Friday, August 31, 2012

Monthly Update

Pay off student loan - 24.2% (Down .2%)
Roth 2012 - 64.7% (Up 3.4%)
Pay back savings - disability insurance - Done!  Woohoo!
Pay back savings - plumbing - 3.4%
Tires - 0%

I slacked off on the Roth contributions and skipped a payment on the student loan (I was ahead a month or two) so that I could concentrate for a moment on my savings.  I don't think I'll continue that trend.  I'm thinking back to normal Roth contributions and whatever's left can go to savings.  I do have some purchases to make in September, a chair for the living room and an opportunity came up to have help refinishing my hardwood in the office.  It looks like I can get most of that out of my monthly cash flow so hopefully no impact on funding the Roth.  While I hate to spend the cash right now, I'm super exciting because these items have been on the list for a few years and it will be nice to have them taken care of.

Friday, August 3, 2012

Monthly Update

Pay off student loan - 24.4% (Up .4%)
Roth 2012 - 61.3% (Up 9.2%)
Pay back savings - share from CSA - done!  Woohoo!
Pay back savings - disability insurance - 41.3%
Pay back savings - plumbing - 0%
Tires - 0%

Ouch, it was a painful month.  Started with a call to the garage door man to fix my ailing garage door.. followed by a call to the plumber to replace a 35 year old water heater (heh) and a leaky faucet that may have been even older.  That resulted in a call to the city who brought out their ditch witch.  And ended with a call to someone to patch the hole left by the plumber.  At least I think that's the end.  The bills are just starting to trickle in and I'm sort of in the dark as to if there will be a present from the city.  So I raided my house savings account and may have to snitch some more.

The troubling spot for me is always whether to pause my Roth funding to replace the $$ I used because I have this limited window to make 2012 contributions.  On the other hand I don't want to get in the habit of take-take-take from savings and never stopping to put it back.  I think I must push pause on the Roth at least for a bit and go back to cash savings.

So that's where I'm at.  I was literally just thinking of a do-it-yourself refinishing the hardwoods in the office but that's another couple of hundred I don't need to spend right now.