I feel like all I ever post here about is new house related, but I guess that makes sense seeing as the house is all I think about and also costs a lot of money. Today - friends are in town and will be stopping by to see the house and go out to eat. We're trying to get a feel for the restaurants nearby, so that'll mean fancy tacos or pizza - $40 if we split it by couple, $80 if my husband wants to buy for everyone. Saturday - shopping with my mom because my parents generously offered to buy us a fridge ($0). Trip to Home Depot for relatively little things - $50. We'll have to eat lunch at some point, although my mom might pick that up as well, but $15 to be safe. Cleaning/mowing the front yard/painting samples on walls - free! Husband's parents are coming over to see the house again, so maybe dinner out with them (they'll pay). Sunday - Doing whatever we didn't get around to on Saturday. I'll try to push for lunch and dinner back at the apartment - I can see us easily falling into the mindset that we need to eat out all the time because we're at the house, but we have a perfectly stocked kitchen at the apartment, and the two places are only 20 minutes apart. Optimistically estimating $15, just because we'll probably go to home depot again. Oh, and probably some sort of grocery run, so +$40 for that. Total: $160-$200
We just bought a house, so now it's time to move our saving plan from "everything goes towards the house" to actually having distinct savings goals. In terms of debt, the plan is to be much more aggressive with the student loans starting next month. So: Savings goals $6300 - Emergency fund (6 months of mortgage) July total: $967 $infinity - Travel fund We haven't taken a vacation that isn't based around someone's wedding since our honeymoon (and I guess technically that vacation was based around our own wedding) so this is to take some sort of fun trip. Goal is $150/month + extra when possible July: $593 Debt payments Student loans June: $20158 July: $19857
Friday - dinner groceries ($13) Saturday - decluttering ($0), lunch out to escape clutter ($7), late night froyo even though it was way to cold for anything frozen ($8) Sunday - more groceries, but not everything we needed ($14) Estimate: $45, total: $42. I'll take it!
I totally get sticking with a big carrier, but I want to put my experience with prepaid phones out there just in case someone finds it useful. I pay $40/month through net10 for 2.5 gigs of data on at&t's network, and I've got a perfectly serviceable galaxy s3. There were two hoops to jump through: I had to buy my phone outright (thank you ebay) and I had to spend about 20 minutes on the phone to get picture messaging to work. The cost savings is great though, and after 6 months my husband and I recouped the cost of having to buy unlocked phones. YMMV, but it was easier than I expected to switch.
No big plans for this weekend, so hopefully I'll be able to keep it low spend Friday - Dinner groceries/discount wine ($10) Saturday - Decluttering ($0), lunch out because decluttering ($7?) Sunday - Driving to see parents ($8 gas, free lunch), grocery store again ($20) Total - $45 This is my first estimate and it's made me realize how much I don't plan out my weekends, so we'll see how it goes!
@readyornot in my case, I didn't really give it a whole lot of thought when I started saving - I started making money and my dad went with me to fidelity so that it wasn't just sitting in my checking account. My investing/savings went like this: 2009-2011 - bought the target date mutual fund that the fidelity guy recommended 2012-mid 2013 - Bought index funds after doing some research on mutual fund fees Late 2013-now - transfered cash into the account to have all the house savings in one place but didn't invest. We knew we were going to be buying this year, and didn't want to get hit with short term taxes or unexpected market changes. For me, it wasn't worth selling all of our investments until we needed them, because the market seemed fine, but it seemed a little pointless to take the risk of buying new stuff once we had our timeline for buying a house figured out.
@Amanda M. Thanks! We're super excited :)
My one thing has escalated since my last goal of doing laundry- today I need to sell all of the investments in my house fund because we're buying a house in a week and a half! I started the account in 2009, so it's a little bittersweet to be emptying it out, but definitely more sweet than bitter because house!
We started looking for a house last weekend, and oddly enough that's about the same time that we stopped doing anything other than the most necessary chores. So! My first ever 1 Thing is to, at a minimum, move my clean laundry to the closet rather than the floordrobe. Bonus 1 Thing: clean out the cats' water fountain.
@themikey After watching a few episodes of the cat whisperer, I bought our cats one of those seemingly magical feather toys, and it is actually pretty magical. My one cat used to be too timid to play because the other cat would steal her toys, but now she's coming out of her shell and both cats go crazy for it. On the other hand, the cat whisperer does sell "Spirit Essences" from his website that claim to contain energy-based ingredients, so there might still be a little fraud going on :/