Friday, May 31, 2013

Monthly Update

Pay off student loan - 27.6%  (Down .2%)
Roth 2013 - 38.6% (Up 6.6%)
Pay back savings - plumbing - done!
Windows - 7.9% (--)

So my mortgage escrow refund came and I replenished my savings.  It's a good feeling.  Skipped this month's student loan payment 'cause I can.  :)  I'm waiting on a different check this month.  I cashed in some stock that spun off a stock I've owned forever.  I hate managing individual stocks so I dumped it, even though it was kicking butt.  But now I can dump that in my roth when it comes.  Not much else happening, which is good in my book.  Happy summer!

Sunday, May 5, 2013

Monthly Update

Pay off student loan - 27.8%  (Up .4%)
Roth 2013 - 32% (Up 4.4%)
Pay back savings - plumbing - 24.1%  (--)
Windows - 7.9% (--)

Do you ever get that spiraling or downhill feeling? Starting to feel that.  This blog is a great check in for me.

So this month I refinanced the house.  I had been thinking about it but didn't want to go back into a 30 year loan and the rates had just start going up about when I decided I could probably squeeze into a 20 year.  Then my broker hit me up with an offer on a 30 year loan and I figured I may as well since rates were still not much better on 20 year loans..  So I did, and it unfolded while I was on vacation.  The appraisal allowed for the costs to be rolled in.  I don't think I should have done but then I didn't really ask for it to be handled differently so .. feel like I totally slid backward there.  The plan for now is to keep making my old payment so I can regain ground sooner rather than later.

And now my escrow refund is due back anytime.  I should probably pump that into the mortgage but right now I'm very tempted to finish paying back my savings from last year's plumbing incident.  How overdue is that? lol

My Roth was back on target at the beginning of the month but progress is slip sliding also.  I think I'm ahead on my student loan so I might just skip a month and redirect that to the Roth.

Windows are going nowhere and won't this month.  Kitty needs a dental cleaning one of these months..  Still need to sit down and consider where my money's going.  Not ready to go into full blown budget analysis but I do need to see what's up and if there are holes that can be plugged.