Mid Year Update

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So somehow 2017 is half over. Lets look back on the goals we set on New Years and see if we’re on track so far.

  1. Don’t Take on Any New Debts: Check! So far we’ve only reduced our debt and not taken any new debts on, even despite an unforeseen $800 medical bill.
  2. Recommit to Mint: Meh. This one is about 50:50 so far. I definitely started out the year with more excitement about Mint, and its kind of tapered off since then. Taking this mid year review to reinvigorate!
  3. IMG_3089Pay Off the Van: Check! And a big Wooooooo!!!!!!! We now have NO car payments and both of our cars are totally paid for. I’m not sure if we’ve ever done this as a couple, and it feels so good. Now that $191/ month is going back into the home renovation account that we dipped into to make this happen since there have been huge delays in getting our boiler replaced. After that, it’ll go into the debt snowball towards my remaining student loans.
  4. IMG_3088Student Loans: At the beginning of the year my goal was to get my total student debt under $10,000, which I’ve done so check!! I hate my student loans so much; I have such a bitterness towards them. Especially after I looked back over my transaction history and saw that when I initially started paying them off in 2010, almost my entire payment was going to just interest. Seriously like $113 of a $140 payment. Just interest. Just for the sole privilege of having a loan. If you follow me on Instagram you know that I’ve paid off Mohela completely and my total student debt is now at $7,915.
  5. Remodel the Bathroom: Nope. I can’t. Believe. How long its taking to get this boiler replaced. We seriously started this process in the fall. Almost zero progress has been made so far. We needed to pour a concrete slab in the basement to put the thing on, then we have to have someone upgrade the electrical panel, and then the guy will come out and do it. Not to mention the weather had to be above 50* for a certain number of days so the concrete will cure. The slab is now poured and set, which is something, but we’re still waiting for an electrician. So I guess we’ll sit on this one for a while. Which makes me crazy because the plumber didn’t even give us a rough estimate, so we don’t have a good idea how much money we need to keep on hand to pay for this. We had budgeted and saved $10,000, but when we told him that he laughed and said “no way, not that much.” So now I feel like we have some extra money hanging around that we could be using for something else. So the whole bathroom project is probably going to be pushed to next year, since literally nothing can happen until the old heating system is out and the old chimney is removed.  Sigh.

 

So I feel confident about where we’re at for the halfway point this year. The only thing we’re stalling out in is the bathroom project, and that has a lot of moving parts that aren’t just financial. I can’t wait to see where the next 6 months takes us.

Spring at the Bailey’s

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Spring is in full swing here at the Bailey’s! There is so much going on here I haven’t had a lot of time here to post much at all, and I’ve been mostly using Instagram, but I’m trying to get better with that.

IMG_3353Preschool and kindergarten are winding down and we’re getting dates for move up ceremonies and back packs full of completed workbooks and projects. Abby will be in pre-kindergarten next year (basically the same thing as preschool) because of her December birthday, and I can’t believe it but Sam will be in first grade. When he started preschool I was a “My Baby is Growing Up” mess. Kindergarten I was ok. Now he’s a “grader” and I’m a mess again.

The weather here has been on and off hot and sunny followed by cold and rainy. We’ve been having so much fun doing outside things on the hot days. The other day I bought an 8 foot kiddie pool (not a budget friendly purchase but one that will definitely get lots of use). We’ve also done mini golf, IMG_3335lunches at the lake since there’s no charge for admittance for another few weeks, and visited the playground near our house that no one is ever at.

The rainy days have been for spring decluttering and working my side hobbies like crochet and Poshmark. Poshmark has been pretty dead this month but crochet actually picked up a bit so that’s nice. As far as decluttering, I’ve tackled our bedroom closet and the kid’s playroom (again). Jeff is working on a beautiful shelving unit for the playroom complete with reading bench that I can’t wait to install.

IMG_3422We’ve been participating in a No Spend May challenge with intermittent success. We have a couple of events that call for gift giving this month. Especially Mother’s Day and my sister’s High School Graduation, and of course some (not really) mandatory summer purchases like a float vest for Ben for when my mom opens her pool, summer shoes for all three kids after striking out at the consignment shop, the kiddie pool, and a dress for myself for the grad parties we have this month, which I actually got on sale for $9.99.

We’ve faltered a few times with our spending ban, but earlier this month I was still ableimg_3428.jpg to pay off my Mohela student loans and making some awesome progress with my next debt, a different student loan through Navient. At the beginning of the month it was at $3,220 and 7.25% interest, which is 2% higher than my next highest student loan. As we sit it’s at $2,800, and Jeff got some travel reimbursement through work, and all of that $245 is going right towards this loan. I’m really hoping to be able to pay this off by the end of the summer, and then I’ll be down to ONE student loan! I can’t believe it.

Last but definitely not least, the most exciting news for the season is that we’ve decided to have a family vacation next year! I’ve written about a previous family vacation before here. Other than over nights and day trips, we’ve never had a family vacation. If you follow me on Instagram, you know that growing up, I was used to week long camping trips and trips to the beach every summer. We had a camper and then bought a bigger one, went to amusement parks, ate out and did whatever we wanted. My parents were also drowning in credit card debt that they remortgaged the house three times to cover, became upside down on their mortgage, eventually divorced and last I checked, there are foreclosure proceedings beginning for my childhood home (my dad still lives there and we haven’t spoken since 2011 due to his alcoholism and other poor choices that I won’t go into).

IMG_3321Anyway, we were sitting looking at adorable lake cabins on the computer the other night, talking about how great it would be to take a real family vacation. We’d have our own place to stay and not worry about noisy neighbors or finding an affordable place to eat. A nice calm lake with no waves and a private beach is perfect for someone like me that is constantly worried about big waves knocking little people over and who’s running in which direction. We could cook our own food and grill out and take the kids out in a canoe. Then we looked at each other and said, you know what? Let’s do it! We’re thinking my loans will be paid off by then, leaving only Jeff’s student loans and the mortgage for debts, and the kids are only little for so long, its time to make some memories! We created a separate savings account, created a ballpark budget and figured out how much per month we would need to save up over 12 months to make it, adjusted our current budget and away we go!

I’m working on a Mid-Year Report type post based on the goals we set on New Year’s, so stay tuned for that! Happy spring!

Weight Loss on a Budget

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My weight is something I’ve struggled with my entire life. Over the past 3 years, I’ve gained and lost over 100lbs (not at the same time).  I wrote another post at the beginning of this particular effort here and here.

I can’t even really blame my pregnancies if I’m being honest. With Sam, I had daily and continuous vomiting and when I got home from the hospital after having him, I was 30lbs lighter than my pre pregnancy weight.

Sam wasn’t nursed, but Abigail and Ben both were. Everyone says breastfeeding helps you lose the baby weight because you use so many calories. But the exact opposite happened for me. It made me hungry. I was ravenously hungry. All. The. Time. And at the time, with other kids running around and a house in remodel-mode, it was just easier and faster for me to open a cabinet and jam four cookies in my mouth than to plan and sit down for a real meal.

And the weight just piled on.

After Abby I gained and lost 60lbs. After Ben I gained about 50. But I had lost it all after Abby and I’m determined to do it again. We know we want more children, and I can’t be packing on 50lbs after every one and not losing it.

On 11/28 of last year, I recommitted to reaching a healthy weight and so far I’ve lost almost 40lbs.

In my pre-budget life I’ve had gym memberships, bought DVD’s, special health pills and shakes and branded foods and bars. I even had a Weight Watchers membership that I paid $20 for monthly and didn’t cancel even after I had lost the weight I wanted. Ugh if I could get a check back for all that laziness.

So here’s how I lose weight now.

IMG_3065Old Trusty, Weight Watchers. A long time ago (we’re talking maybe 10 years) I worked nights at a gas station in town. Actually, I worked pretty much continuously and even when I logged 60 hours a week I’d bring home like $250 and think I was rich. Anyways, my manager (and friend) told me about Weight Watchers and gave me her old paper slider, quick start book and food guide that she had gotten at a meeting years before that.  And its really been such a blessing because even though they’re missing some pages, I still use them to this day. You can still find them on eBay if you search “Weight Watchers Turn Around slider,” or “Weight Watchers Quick Start Guide,” usually for under $20.

Eating regular old food. I never buy into those diet gimmicks anymore. You know the ones. The shakes, drinks, teas, bars, pills, supplements, frozen meal boxes. I’ve tried all that stuff in the past, and you know what? Those things might help you lose weight, and do it fast, but what are you going to do after to maintain? You have to learn how to eat actual food to maintain a healthy weight. Plus they’re so expensive it gives me palpitations.

IMG_3046Hit up some yard sales. The fitness industry in America is a multibillion dollar one. They don’t even have to take our money. If someone with muscles tells us they use something, we’ll open our pockets and dump all our money out for them. Don’t believe me? Watch a few infomercials, they’re on at 3am (usually when you’re up with a sick kid). That in mind, we’re also one of the most obese nations (#8 in the world). So obviously people aren’t using this stuff. And where do they get rid of it for the lowest prices? Yard sales. At every yard sale I’ve been to (Hint: its a lot), theres always a ton of fitness stuff. I suggest getting a couple different weights, maybe some resistance bands and some work out DVDs. I have 3 and 5lb weights and a couple of DVD workouts that I rotate so I don’t get bored.

Use what you’ve got. Right now what I’ve got are two (heavy) kids home during the day, a 2 ton double stroller, and a nice quiet neighborhood with a slight incline. Abby is four, so she doesn’t need to be in a stroller, but I stick her and Ben in it as many times per week as the sun is out now and use it like a resistance cardio. Theres a mile route that I usually walk, and yesterday we went even a little further (though my step counter didn’t log it because I had it in the cup holder of the stroller instead of my pocket. Ugh). I also have a yard that needs a ton of work, a 13 step staircase (free Stair Master in the privacy of your own home) and sometimes a few feet of snow outside that needs shoveling.

My Splurge: I know I know, a splurge?? Yup, after we paid off the van, we splurged on a Beach Body subscription to get more workouts and more difficult ones. Jeff tells me its $41 every 3 months. It’s not an expense that I really like, but I do think its worth it. There are so many different types of workouts I can do something different every night, and they keep me motivated and out of the gym.

I plan on posting more here about getting and staying healthy, but that’s where I’m at right now. I actually have my 1 year postpartum follow up appointment (three months late) early next week, so I’ll really be pulling out all the stops to try and get as close to ideal weight as possible.