@EvanDeSimone @andnowlights I took both your names in vain below. You're welcome. #SAVE1THING indeed.
I know for a fact there are multiple readers who would take over 1 Thing to make it keep happening (myself included, but also @EvanDeSimone and @andnowlights above... I can personally testify that all three of us tend to have our week revolve around this site's recurring features). Don't discontinue it! Talk at one or more of us. My 1 Thing was to renew my flood insurance. DONE! For $390 I have a year of coverage at a bit below the max allowed coverage.
@andnowlights That's awesome progress! You say you've had a bad couple of months in budgeting, but haven't you just paid off nearly 20% of it in the first two months of working on it? (Not to dispute your own assessment of your finances, of course, just to say, give yourself some credit because you guys are awesome at paying down your debt)
@Sloane I have not yet been on one, despite living an hour away for the last 7 years! I am excited (and pleased that the FL state parks is now in charge of the park and keeping many of the traditional attractions).
@pterodactylish Silver Springs State Park, near Ocala, FL! It's a nice park that recently bought & took over the formerly for-profit park next door, so there are nice new cabins and a canoe trail they reopened in October that hasn't been open to the public since the 1870s and at least one geocache that is only accessible by canoe. Basically, everything I love (except the internet, but it's good to take a break from that sometimes, I'm told).
Sounds like a fun weekend! Honeymoon starts tomorrow. I guess I'll try to break down what I expect to spend on that, hmm? It's Saturday-Thursday, so not exactly weekend-length, but this is the most useful place for me to budget for this. I already paid for accommodations for Saturday-Wednesday so that's done. Tonight we'll get groceries so we don't have to eat out the whole time ($75). I expect to need at least two tanks of gas ($70). I also expect we'll spend $25 for fancy baked goods and stuff on our drive down, $40 in random snacks and stuff we forgot over the five days, $80 on two dinners out, $20 in random drivethru indulgences between hikes, $20 for miscellaneous canoe launch points and the like, $25 for a glass bottom boat tour, and $30 on going to see the Lego movie on whatever day is the coldest and rainiest. So that gives me: $360. Hopefully not too much more! I tried to overestimate on most stuff. We have a park pass and borrowed a canoe from friends, so basically all of our outdoors adventures are free, and the cabin at Silver Springs is paid for ($594 paid back in October). Really if we can pull this off for under $1k total I'll feel pretty good about stuff.
Main card (8.99% apr) and Joint card (9.99% apr): 1/29 balance: $0! 2/27 balance: Still 0! Or within a few bucks of it, anyway, if some automatic payment has gone through today (not sure) Citi card (0% apr until February 2015): 1/29 balance: $3,069.07 2/27 balance: $2,768.72 (In keeping with my goal of being under $3k in total credit card debt by this checkin. Next month: $2,500 or less in total?) Car loan (some awesome low apr): 1/29 balance: $15,149.46 2/27 balance: $14,480.22 (Includes the March payment so this won't go down next month. I’ve paid down $7,511.32 plus interest since June 2012, and am on track to pay it off October 2017, a little earlier than the December 2017 date originally planned.) Savings goal: 1/29 balance: $5,316.22 2/27 balance: $6,260.26 and adding $470/pay period. This is the highest it's been since I started reading the Billfold and doing these checkins! I had only $400ish in it last January. If I can keep from touching it until September I will hit my $10k in savings by age 30 goal. So, yeah: next week is my honeymoon, which already has accommodations paid for and shouldn't be TOO expensive, but probably won't be cheap either. No other immediate expensive plans but you just never know. March is kind of a big blank outside of next week which often leads to overspending. I'm hoping I can still meet my savings and debt payoff goals, though, and maybe stick with some of the good habits I've been exercising the past 2-3 months.
OHHHH MAN I just finished the first draft of the thing I keep wanting to make my Work 1 Thing (since July!) but keep not listing because I knew I couldn't actually finish a draft that day. My impending performance review was a serious motivator. Now the work has barely begun but at least there's SOMEthing I can point to now.
@Stina True! And your comment made me feel a lot better about it, so thank you. She was a friend before she was a tenant (she was close with my ex-husband when he and I bought this place), but ultimately it's a business relationship. It's just hard to tease apart my sympathy for my friend from my need to keep the business relationship going smoothly.
I emailed my tenant to say she has to pay me her March rent by March 15 even if her financial aid doesn't come through after all (which it might not). I didn't feel great about it, but I just realize I need to put things in writing and give actual deadlines or there's a chance I'll end up paying to house a third person. (I also kind of think she was just not going to tell me that her aid hadn't come through and hope that I didn't notice she didn't pay rent, maybe, and that makes me feel icky. She did that in September and only brought it up a week or two into the month in a breezy "I'll get you money when I can!" way.) I really didn't want to have to do that.