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Archive for December, 2012

My Birthday Wish Came True!

December 22nd, 2012 at 03:20 pm

Today is my 55th birthday...(aaahhhh). I have been very sick for the past 9 days, but have still managed to work most days at least part of the day.

The last two years have been pretty much a free for all financially (as have the last two months). So I was hoping to talk to DH about finances, planning and him helping me out in the budget department in 2013.

We have been married over 34 years and I have done EVERYTHING pertaining to our finances. I love reading about saving money articles, grew up with very frugal parents, but I have not been that great at translating that into wealth. We have done okay muddling through, just think if we had a plan and stayed on the same page??

I take as much of the blame since I have a strong fabric addiction and have a hard time not buying for our sweet granddaughter.

But this morning, after DH made me breakfast, I paused the DVR'd Project Runway and told DH I wanted to talk to him about something. This always immediately makes him put up walls, but I asked him if he would be willing to help me with the planning and execution of a money plan.

I had gotten an Email from YNAB with their updates and now that I have a mini Ipad I think that I will be better about entering transactions. However, with DH doing 95% of food and household shopping, it was imperative he be on board.

Well guess what? He is!! I am so happy. It will mean upgrading to Version 4 and getting the apps for our mini Ipads, but I couldn't be happier or more relieved. We are going to make a reasonable budget and I took half the blame for our current overspending (last months and this month's AMEX bills have totaled over $9,000). No more impulsive fabric buying for me!

My daughter and granddaughter are back on the East Coast with my son-in-law for his deployment, so I am having a stress free Christmas. Along with being sick, nothing is really expected of me! I am watching Lifetime movies, drinking tea and juice and fooling around on my laptop!

Merry Everything! Hope everyone is having a happy holiday season.

An update

December 1st, 2012 at 10:58 am

I am in Temecula again. My daughter suffered a miscarriage and DSIL is deploying again so I am here helping with granddaughter and packing. My husband and oldest daughter were here for Thanksgiving. My 83 year old mother was having some medical issues so I chose to stay home with her.

Dh and I chose to give our usual Toys for Tots donation to a single mom at my work. I tried to do it anonymously but she figured me out. She told me she literally had no idea how she was going to get her boys gifts. My husband won a $150gift certificate to Target at a local college basketball 50/50 thing. I was planning $300 to coworker so I added $150 to the anonymous card. I then wrote a check to Toys for Tots for $100 at Target. So that leaves Feed the Children, local soup kitchen and local animal shelter to round our Christmas giving.

I cannot believe how much my granddaughter learned in her 3 months at St. Jeane's. Even her coloring is better. She is staying in the lines well.

Okay this was supposed to be quick since typing on my mini. IPad . Supposed to be Dh's gift but I ordered wifi only so Herold me to keep it for myself.

Decided on 30 year refi at 3,30 which is in the works. With daughter and granddaughter moving up with us again for deployment our costs will go up for food and utilities, but probably no more than monthly preschool was costing. We may enroll her locally once DSIL deploys since they will go to North Carolina to visit before actual deployment.

My job duties have expanded to human resources manager. Boss' back is getting worse so I am handling a lot of day to day management of the assisted living facility. I am very blessed even with our present family sadness.

Once Christmas is over I plan to sit down with DH and come up with our financial plan. Actually before so we are ready for the new year. Need to transfer his traditional IRA to a Roth before we jump over the cliff!

My work 401k is through an ins company and I do not plan on participating. Our will and trust is ready to sign as soon as I get home. At almost 55 we are finally getting it done. We need to up Dh's contribution as my salary covers our Roth contributions, granddaughter's private school tuition and the rest on paying down the mortgage.

My fibromyalgia is a bit worse with winter but DH is picking up the slack at home and we have a housekeeper come once a month to heavy clean. It is worth the $100 each month. DH told mehewould rather have the added income though we both tend to be nostalgic about how great it was when I stayed home for the two years.

Lots of entries to read, granddaughter thinks mini IPad is hers. Excuse typos....this keyboard is small!