Paid of the credit card. Paid of a student loan. Then I feel that part of a tooth is missing. I find out a I need a crown - and I've only had the insurance 7 months. They won't cover crowns until a full year. $1300 out of pocket. They let me split it 50/50 … Continue reading There’s Always Another Bill
We have been working on paying off my student loans. I had three - two that are consolidated into a federal loan and one through a private company. The federal loan ones are $24,000 and $9,000. You can't separate payments out for them, and they're in forbearance due to the Covid situation, so we focused … Continue reading Smallest Student Loan Paid Off!
It's THAT time of year, and we had our taxes prepared at our usual preparer's office, with the same person we've been seeing for... 10?... years. We always enjoy seeing her, and she likes us because we always have all the paperwork we need AND we pay quarterly so it's not a big bill. Our … Continue reading Tax Time!
I woke up this morning to my phone chiming. I have it set to ping me if any transaction over a certain size passes through our bank accounts. I had a deposit. I had a deposit from SSA on a day that is not my deposit day. It didn't match any amounts I should have … Continue reading A Good Surprise, I Assure You
I had an interesting conversation with my dad the other day, and I mentioned some of the best decisions I've ever made, ones that have paid forward and paid forward and make my life better today, so here's some musings on that. Warning: It's a long one. The choices: Reading the Dave Ramsey book my … Continue reading The Best Decisions I’ve Ever Made
I'm working with InaWong on cover art for my book, and she's amazing! Here is her DeviantArt commissions page so you can see what other art she's done. So far, she's sent sketch ideas, and I okayed one. Last night she sent a WIP to check on layout. It looks really good! Ya'll, I'M SO … Continue reading Working with a Cover Artist and Angst
Money is a controversial topic that inevitably makes people uncomfortable if you bring it up. No one wants to admit what they don't know or mistakes they made. And it's hard because did we learn to manage or finances from our parents? School? Friends? Not at all? There ARE answers out there, and there are … Continue reading ITJFU: The Financial Diet YouTube Channel
We're allegedly going to be receiving a tax credit from the government. Yes, I get that it's a credit and will affect next year's taxes. We'll have to withhold extra each month to cover it because we're both self employed right now and we withhold and pay quarterly taxes each year. But the question is, … Continue reading We’re Responsible Adults, Really
We just went and picked up my car from the shop AGAIN. Right after we picked up my husband's car! My husband's car's crankshaft belt pulley ate the timing belt cover, but he heard the squealing, stopped immediately, and had it towed before it had a chance to reach the timing belt. There's $700 down … Continue reading In the Shop Again
I know it's common to give cash or useful gifts, but I'm a Downer. When my relatives graduate, I give them THIS BOOK. Dave Ramsey's Complete Guide to Money. (Not an affiliate link.) Why? Because NO ONE talks about money. After High School, you're just left to fumble around trying to pay your bills and … Continue reading What Do You Give Newly Grads?