Decision Made, or 350

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My Dad only gave me a few pieces of advice over my lifetime. One bit that stuck with me was, “Always stretch yourself when buying a house. Get the most expensive house you can qualify for, because as your income goes up, the payments will get much easier”.

DAD AND ME, 2007

DAD AND ME, 2007

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

This was back in the days of rising wages and rising real estate values, of course.

I took my Dad’s advice when buying both of my houses. I stayed in the first one for 19 years, and by then the payments did seem quite puny.

When I move into my current cottage, the payments were two-and-a-half times my old payment. And I got laid off. And the housing market crashed, taking the value (but not the mortgage) of my current home into the toilet. And even when I got a new job, my wages stagnated for years.

So, after living here for 13 years, I’ve decided to sell my cottage. My home has (finally) recovered its original value, and a little bit more. They say it’s a seller’s market right now, so that will help, too.

To that end, I have to step up my decluttering efforts by an order of magnitude!

No.2 Sis came over last Friday and we slogged deeper into the Studio. We were able to pack up 16 boxes and bags!

3 went home with Sis, 3 went to Goodwill, 6 went into recycling, and 1 went into the garbage.

I also have to take 3 boxes to the thrift store to see if they’ll buy any of it. Whatever they don’t want goes to Goodwill.

That makes 350 bags, boxes and small pieces of furniture cleaned out of the house since January, 2014.

My goal is to get the house on the market by early May! I’ll keep you posted!

Stay tuned…

2016 Resolution Update, March

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I started March with $832 in my Cush Fund (my savings account which provides my tight budget with a little “cushion”).

I had to withdraw $237 for Bella’s vet bill. Oh my Goddess, that vet appointment was so traumatic that I’d pay them another $237 to never have to go back again.

I added $106 of overtime pay and a $50 medical reimbursement to the Cush Fund in March. My final March balance was $751. One step forward, two steps back.

Not to worry, I’ve already received a larger medical reimbursement in April, and I’ll be getting an extra paycheck, too.

piggy bank-1

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

NEW YEAR’S RESOLUTIONS, 2016:

  1. CANCEL ALL CREDIT CARDS EXCEPT NEW 0% AND MY BANK VISA. I paid off all my credit cards except the new 0%, but I haven’t cancelled them yet. Must do!
  2. BUILD UP $1200 EMERGENCY  CUSH FUND. I have $751 in the Cush Fund. I started March with $832, withdrew $237, and added $156 (overtime pay and medical reimbursements).
  3. PAY CASH FOR EVERYTHING. (No new charges). Success!

Stay tuned…

Double-Z Card, or 334

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I made this cute Double-Z card (tutorial here) for my niece’s upcoming 5th birthday.

Double-Z card (2)

I remember my conversation with her on her last birthday. She was pulling out the first instrument, an ear examination thingy, out of her new doctor’s bag.

Me: That helps you look in people’s ears.

Niece: Yes. It’s an otoscope.

Me: Um…I…er…I didn’t know that.

Shown up by a four-year-old.

Anyway, change of subject, I’ve had to rethink my house decluttering attitude a bit. I’ve lately been focusing on how to make money off of my junk (insert dirty joke here) instead of just getting rid of it. That’s led to too much of “I’ll save this and sell it later”.

I’ve decided I must just focus on getting rid of stuff again, and forget about selling it.

I must also admit that I looked on e-bay to try find prices for what I have to sell, and found that my junk probably wouldn’t sell at all. Apparently, my junk is nothing special.

So, I set a goal of getting rid of 30 bags, boxes, etc, in April. No.2 Sis came over Saturday and we played “Hoarders”. I set on a chair, going through boxes, and handing stuff off to her with instructions like, “Keep, donate, garbage, recycling, etc”.

We added 2 more boxes of books to the 4 bags from last week and made a run over to Half Price Books and sold them for $37.

Yes, I know I said I wasn’t going to sell stuff, but this was quick and easy.

We also packed up 4 boxes and 1 bag of donations and dropped them at Goodwill.

2 boxes books.

5 boxes/bags donated.

2 bags recycling.

1 bag garbage.

Total: 10 bags/boxes so far in April, which brings my total to 334 bags, boxes and small pieces of furniture cleared out of the house since January, 2014.

Stay tuned…

p.s. Lest you think this sisterly help is all one-sided, I must inform you that I went to No.2 Sis’ house on Sunday and helped her install kitchen cabinet hardware. It looks smashing!