Deployment, Living for TODAY, Positivity, Retirement Journey

An August update.

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I can’t believe a whole month has passed since I’ve posted. I thought August would be a financially quiet month, but alas it was filled with spending – lots of spending – albeit the good kind!

Here’s the breakdown:

  • I booked and paid for a cruise for January with my daughter;
  • I paid extra on our mortgage as we are trying to pay it off as quickly as possible;
  • I purchased a few more items for our Europe trip in a couple of weeks; and
  • At the last minute, my husband and I decided we wanted to surprise our son at the pier when his ship pulls in after a 7-month deployment in a week, so we paid for a flight, hotel, and car rental. I.can’t.wait. πŸ˜‰

To say I spent a lot of money last month is an understatement, but I must say it was all worth it! I truly have not added it up this time. (Perhaps I don’t wan’t to know….)

Even with all of that spending, our networth managed to increase from July by $27,000 (mostly from investments) . We are still on track to retire on time. πŸ™‚

How was your August?

Goal Setting, Positivity, Retirement Journey, Spending

A July Challenge Update….a little late.

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I apologize for this late update, a lot of unexpected stuff came up and my blog fell to the wayside. I closed out July on Saturday, and thankfully it wasn’t as bad as I thought. Spoiler alert: I did not meet my challenge goal.

Let’s just get right to the numbers–

July’s spending:

  • Groceries/Eating Out: $623.00
  • Personal Care: $182.00
  • OTC/Medical: $74.00
  • Clothes & Accessories: $395.00 (hubby bought a few items too!)
  • Gasoline: $32.00
  • Gifts/Spontaneous giving: $352.00
  • Mom &Dad: $80.00
  • Pet: $66.00 (dog food and misc. accessories)
  • Travel (road trips and misc. travel products): $665.00

Total: $2,117.00

I was $1,367 over my goal of $750.00. I can honestly say I do not regret any of the spending. After analyzing the different categories and amounts, I realized that at least $1,000 of the $1,367 overage was for my trip to Italy this September. Planning this trip has sparked so much joy, that I’m not the least bit discouraged from failing this challenge. I’m actually energized and excited for more opportunities to travel, especially in retirement. πŸ™‚

I know some of you were doing the challenge with me, and have been successful! Congrats! Please let me know what you are going to do with all that extra money you saved!

How was July for you?

Budgeting, Impulsive Spending, Retirement Journey, Spending, Weekly Spending Update

July Challenge Update: July 11-17

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It’s been a crazy week for my July challenge. There has been a lot of buying and returning — primarily travel-related and clothing. I will try to be more diligent with my online orders, and hold off purchasing clothes until September. I’m definitely a work in progress as far as online spending.

In other news, I decided to go ahead with the bone stimulator ($2,000) for my foot, because I will try anything before surgery. That will come directly out of our Health Savings Account fund.

An Unexpected expense.

I spoke with my son this week. He is still on deployment and unfortunately got Covid as did most of the sailors on his ship. He told me he was pretty sick for a while but thankfully he is now on the mend. He was vaccinated and boosted, so I imagine he contracted the new variant while in a port. He never asks for anything, but this time he asked for snacks. I was out the door as soon as I ‘hung up’ the phone (as any Mama would do πŸ˜‰ ). $180 later (and worth every penny), a 14x14x14 care package was on its way. πŸ™‚ Included items: Vitamins, Emergen-C’s, cough drops, toothbrush, soups, mac and cheese (add water), cookies, beef jerky, chips, and candy (the non-chocolate variety, as chocolate would melt). It was filled to the brim. He is in a port now, so I hope his package will get to him soon!

An idea of what I sent. πŸ™‚ (via)

Without further ado, here is my July 11-17 spending:

  • Groceries & Eating Out: $51.00
  • Misc.: $3.00
  • Pets: $99.86 (dog food and dog pool)
  • Misc. travel: $99.00 (Travelon backpack/cross body bags)
  • Mom & Dad: $38.00
  • Spontaneous Giving: $180.00

Total spend: $371.86

It is clear that I won’t make my $750 challenge, especially since I’ll need to do a large grocery shop soon. Unexpected expenses will always pop up, and as long as I can keep my usual categories within limits, I’ll still be able to sock a little money into savings.

How was your week?

News outlets, Positivity

An unbiased news source. Finally.

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It’s been a crazy ride since the pandemic, election, and economic woes. The news outlets have been nothing less than fear-mongering, sensationalism, and politically slanted at best. Finding a good news source without all the ‘opinions’ has been challenging, to say the least. To save my sanity, I chose to avoid all news outlets completely. But that’s not good either. I need to stay informed.

Recently I found 1440 Daily Digest. * Their motto reads:

Why 1440?Β The printing press was invented in the year 1440, spreading knowledge to the masses and changing the course of history.Β Guess what else?Β There are 1,440 minutes in a day and every one is precious. That’s why we scour hundreds of sources every day to provide a concise, comprehensive, and objective view of what’s happening in the world.

At first, I was skeptical. Lots of news outlets say they are unbiased, but they aren’t. This news outlet is the real deal. After several weeks, I can honestly say it’s all been ‘just the news’. Once a day it lands in my email, and I can pick and choose what I need and/or want to read. It reports all the news good or bad, without political slant or opinion. They include the ‘need to know’ news stories, sports and entertainment, science and technology, business and markets, world news and politics as well as some ‘feel-good’ stories at the end. They also provide links if you want to delve into news articles further.

Hmmm…concise, comprehensive, and objective news. What a concept.

Check it out here* and let me know what you think.

*1440 just started a referral program to spread the word and these are affiliate links. I have no problem standing behind this news source. πŸ˜‰