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All Things Financial for 2018

    • 2161 posts
    May 16, 2018 9:48 AM PDT
    Glad you were able to post and share LNBee. The little day to day things do impact our overall position more than we realize.
    • 2161 posts
    June 1, 2018 5:47 AM PDT
    We are now at the mid-point month for 2018. It really seems we have just begun this year, and boom, it is almost half way over. I am still trying to keep spending under control and thankful, at this point, to have added no new debt. Simply trying to make do and use what I have on hand unless something essential is needed or there are rock bottom prices that warrant stocking up for the long term. Of course having to adjust for increases in food prices and gasoline costs puts a crimp into things. Moving on...the expenses for the first half of June were paid electronically this morning. An irregular bill for this month is the annual home insurance premium for the rental. That’s over and done with until 2019 so I can check it off the list of things to be paid for this year. One step at the time and goals can be accomplished.
    • 2161 posts
    June 15, 2018 3:21 AM PDT
    I just wrapped up the major financial ins and outs for the month of June. All bills due through the end of the month were transmitted electronically this morning. Money still to go out for gas, groceries, and any minor miscellaneous items, but everything else has been covered.

    In review, meeting my financial intentions for the first half of this year has not been as satisfactory as I had hoped. There is still much work for me to do to get where I want to be financially. Everything continues to be a work in progress. My new mantra is “regroup, reassess and move on”. Time for part 2 of 2018.
    • 1338 posts
    June 16, 2018 9:42 PM PDT
    DH has been working 7 days a week. He said that June & December are big bill months as we have HOA bills due (2 to be exact as our development has 2 HOA's) and other things that I can't remember.

    Some of my bills have gone up, like LTC insurance, DS1's student loans, gas for the car and a pharmacy med. I calculated my income and what my bills are and I don't make enough. I'll need to figure it out if I can possibly cut anywhere, get more hours, sell things on ebay or sell jewelry. This stuff stresses me out.
    • 3850 posts
    June 17, 2018 11:06 AM PDT
    what does the HOA fees cover? that is stressful when bills go up faster then wages
    • 2161 posts
    June 29, 2018 7:13 AM PDT
    Month #7 is almost upon us!! Christmas will be here before we can bat an eye. My July budget has been finalized, and it is looking to be a pretty standard month. The only non-recurring expense is the semi-annual auto insurance policy. All bills for the first half of July were scheduled and paid electronically this morning. My fingers are crossed that nothing pops up unexpectedly that has to be repaired or replaced during July. Just to have a normal, uneventful month would be nice. Moving on!
    • 1338 posts
    June 29, 2018 11:03 PM PDT
    We have 2 HOA's. Plowing the streets, watering common areas/mowing grass of common areas and allowing useage of the gyms is what they cover. They have a 1 million dollar surplus every year and installed solar panels on gyms, remodeled gyms, and throw a picnic for residents.
    • 3850 posts
    June 30, 2018 10:05 AM PDT
    ah here that would be strata hiring companies to do that job if you lived in a condo or townhouse complex. city is the one who looks after it if you live in a house plowing streets etc.

    • 2161 posts
    July 13, 2018 4:14 AM PDT
    All bills for the second half of July were sent out electronically this morning. Hopefully, no financial mishaps for the remainder of the month. There will, however, still be the regular grocery, gas, small miscellaneous purchases to be made. August should be pretty standard since there are no non-recurring bills that are due. Or at least my fingers are crossed that it remains a standard month.
    • 2161 posts
    August 1, 2018 3:41 AM PDT
    Month number eight ... The budget has been finalized and the first half of the August bills were sent out electronically this morning. There are no quarterly, semi-annually or annually “anything” due this month, just the standard expenses. So grateful for that. It will give me time to play catch up with savings for the mega big expenses coming up in December in addition to Christmas. Moving on!
    • 2161 posts
    August 15, 2018 7:07 AM PDT
    August 2018 ✅✅. Another financial month has been checked off for this year for the most part. I finished off the last half of August’s bills by paying everything electronically this morning. There will still be purchases for gasoline, groceries and minor incidentals for the remaining 16 days, but all of the month’s regular expenses have been accounted for and paid.

    Coming up...Thinking ahead to September I know there is the annual automobile inspection, registration and taxes due to be paid. Hopefully, those will be the only non-recurring expenses. Also, it’s time to make some tentative plans for Christmas purchases.
    • 2201 posts
    August 15, 2018 1:29 PM PDT
    I paid all of the bills for August and still have some money leftover. I'm trying to pay off 2 credit cards by October. I am saving all of the rebates from Ibotta to pay for the grandkids Christmas presents.