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End of Year Collections

December 30th, 2011 at 09:13 pm

Link du Jour:

Text is Otis Redding and Carla Thomas - New Year's Resolution and Link is http://blogfiles.wfmu.org/DY/New_Year_s_Resolution_-_Otis_Redding.mp3
Otis Redding and Carla Thomas - New Year's Resolution

Last payday of 2011. I crash-saved $400 over the past two weeks. That doesn't sound like much, but I also finally brought the VISA card down to a flat zero balance.

Today we bought a framed illustration of SCTV's Dr. Tongue and Bruno (John Candy and Eugene Levy) for $10. It is not in 3-D. This is a $90 markdown from what we saw at Cafe Racer. I wrote to the artist and said I liked it and he sold it to my husband.

Also bought, finally, replacement motorcycle helmet, at about $80 less than I expected to. Yay for girl rider discounts!!

I logged into paypal, and saw that PayPal threatened to close my account within 30 days if I did not accept all-electronic communications. Deadbeats. Through PayPal I will pay for YNAB.

I also put some $$ into each of the savings and chequing account in my other credit union, because I can never remember how they debit me for annual safe deposit box rentals. It occurs to me I could give myself an "allowance" weekly and deposit $ to these accounts for investing, or secret gift money.

Silver was down 22% for the year in 2011. Gold was up.

Today I used my price book for shopping! I forgot one item but I was in a rush so my spouse could use the car.



I am unhappy about the home value and my equity taking a dive over twelve months despite the new roof but it happened to seven properties on my schadenfreude sheet. Californians who remember 2008 are nodding. Sometimes I think of paying enough down on my HELOC to get my equity past 60% but that would mean losing the APR on my money market account, and jeopardizing my ability to pay in cash for my car. I imagine some people my age have worse scenarios. I've paid just 6% of my mortgage in four months (good!) and have paid 38% down of the sale price for the house for 13 years (ugh).

2 Responses to “End of Year Collections”

  1. My English Castle Says:
    1325308511

    I try not to look too hard at housing prices still, Paulette. It's too depressing. Good shopping for you, ma'am!

  2. Jerry Says:
    1325334784

    I agree on the housing prices... you can lead yourself into a depression (or a padded room) by focusing on stuff like that, because it's out of your control. Awareness is one thing, but the best insurance is just to keep paying it down (like you have been doing, obviously!). I wish you lots of continued success in 2012.
    Jerry

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