Tag: Finances

A Detour in the Journey

February 08, 2018

Hey Everyone,

Life throws those curveballs that can either make or break a person. I have to break it to you that unfortunately the Dopey Challenge has been slightly changed. I’m taking a slight detour and postponing the finale until January 2022. You read that correctly; two years later than the original goal.

This decision was not made lightly. With any journey, it is a good thing to make sure that it is feasible for everyone involved. The reason why is mainly financial. It just isn’t going to be financially possible.

2018 is so that Husband can finish College

2019 and 2020 are to pay off debts.

2021 is to save for this journey

2022- Dopey Challenge

With the postponement of this journey, there is more opportunity to save for a grand adventure. Plus, on the good side, the boys will be 8 and 10 so they can do the 5K and possibly the 10K with me (or at least Monster can) and Husband can run the Half Marathon with me.

I have more time to train properly with more running, eating, and sleeping. All three things I absolutely love to do anyway, but I want to make sure I don’t hurt myself. More time to prepare my body for the rigorous stress it’s going to endure.

Another plus is that my niece and her guardians are going to plan on coming with us as well in 2022. In a house full of males it would be nice to have a manicure/massage with another female or two. . . All the possibilities.

Not giving up, just another detour.

See you on the other side!

 

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January 2018 Update

January 2018 Update

February 1, 2018

Hey Everyone,

I can’t believe that 1/12 of the year is already over. Seems like yesterday that it was the stroke of midnight welcoming in a brand new year with lots of things to accomplish. While there have been many strides forward during this month to kick off the 2018 year, there have been a couple setbacks.  As with any journey we keep pushing through to reach the finish line.

Husband and I reevaluated our financial situation for this upcoming 2018 year, especially since he is losing his GI Benefits in May and we needed to figure out how to pay for his summer classes and then the last semester of college for him. At first, it was going to be so constricting that we would have been having absolutely no room to breath, not even a penny could be squeezed out anymore.

After our conversation, we found some breathing room with him filing his FASFA for his last semester early. We just needed to figure out how to pay for the last three weeks of the current semester, summer classes and books for those times Which would have still caused it to be tight but breathable. Another windfall came as well in the form of my in-laws. Goodness, I love them. They kinda knew that with the loss of the GI Bill that we were going to have some difficulties so they gave us some money to finish paying the last three weeks of this semester, and then books for the summer. Now we just need to put aside money for books for the last semester at the University of Nevada, Reno. Much easier to come up with $500-$750 for books than an extra $6,000+.

We celebrated a whole year of braces for me, a successful eye surgery for Monster, and I even got a small promotion at work, and Husband is working on a promotion at his job. We even dropped my youngest down to two partial days at daycare to cut some daycare costs.

With all this stress and more “free time” since there isn’t as much overtime at my job at the moment (still an extra 12-20 hours a week, but less than what I did during OEP) I’ve been able to hit the streets more often. During the month of January, I’ve accumulated 36 miles under my feet. Yup, only 36. Those miles certainly feel fantastic right now. I’m only 7% accomplished with my goal of 500, but I’m slow and steady. I do not want a medical bill to worry about during this year. That can wait for a time of never.

January 36-500 miles

How about you? Did you accomplish any of your 2018 goals? Was it as hard as you thought it would be? Tell me in the comments.

Also, whoever can guess correctly the number of running miles completed by the end of February will get a special gift from me. Give me your best guess. Who knows? You might be a winner.

See you on the other side.

A Good Twist In the Journey

A Good Twist In the Journey

January 14, 2018

Hey Everyone,

So on Thursday night Husband, boys and I had dinner with Husband’s mom (MIL), step-dad (FIL), and brothers (BIL1 and BIL2). A get together is not a big deal because it is a very close-knit family that randomly has get-togethers like this, I would say every one-to-two months. Thursday was a little different.

Looks like MIL and FIL are moving all the way across the country to Tennessee in 2019. 2,316 miles away. None of us were really surprised because they had been talking over the last couple of years about the possibility of going and what would need to be done to accomplish that goal and other stuff. What surprised me was that they are going to divide their property into four equal parts and give them to Husband, his brothers and another person in FIL’s family. 8.25 acres each.

That was a major twist. A good twist in this journey.

Since that night Husband and I have been having serious discussions about the possibility of moving to TN with them. We would need to start getting our stuff together and paying down debt to save for putting up a house on the land if we decide to do it. Either way, though the land is there if we use it, or not.

Another great thing is that my job moves with me, so I don’t have to go through the awkward stage of moving to a new place and also looking for work. Unfortunately, depending on when we depart is on if Husband will have to go through the same song and dance. Finding an accounting job in TN shouldn’t be too difficult? We shall see when we cross that bridge.

What do you think? Have any of you ever move cross country? What would be some advice for us? Look forward to seeing some responses.

See you on the other side.

Car Update

January 04, 2018

Hey Everyone,

So in September, I was in a car accident. Both my boys were in their car seats. Everyone involved was okay. Thank goodness. I couldn’t imagine what would have happened if they had been hurt. It was only the car that was totaled.

What happened was it was during evening rush hour and we were on our way to the gym to do swim lessons and my training. Everything was stop and go, and the vehicle in front of me stopped suddenly and well. . . the car didn’t exactly stop at the same time. The other person’s vehicle barely had a scratch on it, the bumper came off. And they were super nice and understanding.

We couldn’t drive the car safely anymore. Since Husband had been with his brother at the time (BIL1), BIL1 drove both of them to the accident and so that Husband could drive the car straight to our house until we could find an alternate solution for the vehicle.

Over the next day or so Husband and I were very upset with what had happened because we couldn’t afford to replace the vehicle, make a down payment or make monthly payments, or so we thought.

I called my friend, Mediocre Supermom, and her husband,  Mr. Smith to see what the best options would be for a car replacement. Husband and I know almost nothing about cars and we’re not going to go to Husbands parents for help. I’ve known Mr. Smith since I was like 6 years old, he’s like an older, bigger protective brother so I trust him to help us find a vehicle.

In the end, we got the same exact color, make, model, year and mileage as our old one. I know, super original, but like I said, we know almost nothing about cars and knew we couldn’t afford to have a large monthly car payment so we went back to what we knew, Ford Taurus.

Mediocre Supermom and Mr. Smith loaned us the down payment, which we are paying back to them in monthly installments. The vehicle loan amount came out to be reasonable monthly installments with low % interest, $117 for 36 months at 3.5% interest. And since I constructed my spreadsheet in Excel for my bi-weekly paychecks I was able to calculate what we could do to pay everything down as fast as possible in 2018. It is expected that we are finished paying off Mediocre Supermom and Mr. Smith in February and finish paying off the vehicle in May.

Next time we need to get a new vehicle, we are going to get a large down payment and research what safety features we want to be included. Because while this is a great vehicle. 2005 is getting a little older and so maybe we can upgrade to 2015 model, that fits in with our budget, and not have it be out of desperation to get a replacement.

I am so grateful for having amazing friends. We wouldn’t be able to make it without their friendship and support. Especially on this crazy journey.

See you on the other Side.