A Dime at a Time

Navigating life and finances

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More Spending Money, Saving Money

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I forgot about another expense I took care of yesterday.  It was for a bunch of lab work I had done with my physical from a few months ago.  Unfortunately, the gal at my doctor’s office that drew my labs sent them to be processed at the hospital rather than to Quest, which would have been cheaper.  I’m not one who frequents my doctor’s office all that often, but I think she was fairly new.  Anyhow, the bill was for $377.  I paid via our Discover and submitted the claim to our FSA.  I made the full payment to our credit card, and it will be back to a zero balance come Monday.  I could have our FSA pay the bill directly, but by paying it via our Discover, I get 1% back.  This morning I see that the claim was already approved, so we should have our money back within a week or so. [Read more…]

Spending Money, Saving Money

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It sure has been an expensive month so far.  My brakes weren’t the only thing that needed fixing.  It turns out my car also needed a new caliper, hubs, and wheel bearing.  Some parts were under warranty, but when all was said and done, I still had a $532 bill.  Yikes.  Some good news is that I did leave the shop with a coupon for a free oil change.  The business owner was kind enough to write it for synthetic since that is what we used before, and he made the coupon valid until the end of 2020.  He gave me this for helping out with setting up their Christmas tree.  Not like I didn’t have the time during my three-hour wait! Lol [Read more…]

What day is it?

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The past week was an odd one, leaving me at times, wondering exactly what day it was!  Hubs managed to make it home late last week Tuesday, just before the first snowstorm hit.  I wasn’t sure his flight would even happen, as my phone was pinging with alerts.  Thankfully, he made it home.  Had his flight been scheduled for Wednesday, it wouldn’t have happened as no one was coming in or going out of our small airport. [Read more…]

Budget Blessing

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We have a new addition to add to our budget, and this one is a blessing!  I am pleased to announce the birth of our newest grandson!  He was born yesterday, making his appearance a week earlier than expected. From the pictures, he looks a lot like his sibling, with blond hair and blue eyes. [Read more…]

Figuring out 2020 Finances

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Thank you all for the words of wisdom from my last post.  They were spot on.  I am also revealed to hear that what I am experiencing is normal!  I really do believe that the “let down” feeling after getting out of debt isn’t given near enough attention.  Honestly, I never even saw it coming! [Read more…]

Life after Debt

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It has now been a month since we paid off our last debt.  I’m not quite sure why, but right now I feel like I’m in a strange spot with a mixed bag of emotions.  While I’m still thrilled to be debt-free (minus the mortgage), I feel like I’ve lost my mojo.  I have spent the last week or so trying to figure out why.  My hunch is it isn’t just one attributing thing. [Read more…]

Goodbyes are never easy

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Rest easy, Old Boy.

Hi everyone.  Although I’ve been absent from my blog since doing my virtual debt-free scream, I am not saying goodbye to blogging.  Hubs and I still have a long way to go on our journey, and writing has helped keep us on the straight and narrow.  Sadly,  the goodbye was to our furbaby who had been with us for almost 16 years.  For a lab-mix, he certainly lived a good long life.  Letting him go didn’t come easy, but we knew that Winter would be a struggle for him.  So, difficult as it was, we had him put to sleep. [Read more…]

We are DEBT-FREE (minus the mortgage)!!!!

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Hey friends, we did it!  With the exception of our mortgage, we are officially debt-free!  I’m still having some computer issues, so this post will again be brief.  I did, however, want to pop in and share a couple of screenshots.  The first one is what we paid during the previous billing cycle.  Wow, is that ever a lot of money.  All I can say at this point is never again!

This second screenshot is from our new statement.  I’m not sure why they didn’t charge us interest.  When I read the fine print, it looked to me that we would incur some, hence paying the extra $30.  I’ll leave it for another month and then request it back.  I guess I’m paranoid, and I don’t want to take any chances of having any new debt!

I’ll be heading out of town next week for a few days to see family and get my computer back up and running safely.  If for some reason I’m not able to pop back in (the computer I’m using right now is super slow), I’ll be back to posting in a week or so.  Thanks for all the encouragement you have given me on this journey!

 

 

Still Waiting ~ Brief Update

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Not quite the update I was hoping to give, but our zero balance screenshot should be coming very soon.  I think the closing date of our Visa is today, so the next statement should be here before the end of the week.  The payment has posted, so that’s a good thing!

I’ll keep this brief as I’m having some computer issues.  I’m not entirely sure what is going on, but my browser keeps wanting to redirect me elsewhere.  It gives me a search bar, but one that says it isn’t secure.  After speaking with my daughter, she said to shut it down and change all my passwords (using a different pc) and she would figure out what is going on with my primary computer when I see her later this month.  Thankfully I do have another computer, but man is it ever slow!  Ugh, technology is so hard to keep up with, especially the older I get.

Thanks for hanging in there with me while I get through this minor blip.

Almost

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It has been quite a week.  Along with still trying to adjust to the med change for my RLS, I also came down with a nasty cold.  Since I likely caught it from the kiddo I care for, I worked through it. I was thankful that the worst of the days were the days I was off.  I’m still not 100%, but the worst of it is behind me. [Read more…]

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