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Home > Going Down is My Going Forward: Year-To-Year Surmisings
 

Going Down is My Going Forward: Year-To-Year Surmisings

September 2nd, 2013 at 08:24 pm

The only progress I seem to be making is decreasing my debt.

My assets value (stocks, CDs, bonds, precious metals) have increased in the past twelve months by 0.5%. Mostly because one CD gets $25 added to it monthly, and the bonds always go up.

I have six-figure debt, so reducing it by 9.7% annually is not terrible, but that and the big uptick in home market value appreciation are making me look good. I don't have cash flow, I have cash drip.

What we spent money on:
$31.07 - fill up car gas tank for 464 miles. We finally input our gas costs, so the Pious computer can display how much we spend from point A to point B. Five kilometres = 25 cents.

$47.94 - one of our supermarkets is closing. The savings aren't all terrific: some amazingly bloated prices, like $6.32/lb for frozen berries (get real); 30% off $11 bottles of Rao's pasta sauces. No thanks to that! We did save on bagged cereals, the baking soda, and wines; I'll come back for stewed and diced canned tomatoes. I'm sad about the market closing: it was part of a northwest Washington state chain, and now no supermarkets in our county, the most populous one in the state, exist.

$20.75 - Value Village thrift store: kid needs some rugged shirts for Peninsula trip in November; DH selected some gaudy Hawaiian shirts. Filler paper.

$24.55 - apparently lost book. What I remember is taking it to a library (probably the wrong system). And my child's overdues. The overdues will come from his account.

$31.93 - acid reducer BOGO. two packs jerky, two jars preserves, olive oil and super glue.

Maybe I won't have to buy anything this week other than next year's local "green" coupon book, if even that. I'd like to pay some of the credit card balance, and stash some $ into the tot's savings account.

I cannot refinance our vehicle loan, even though the rates have dropped a half-percent from what they were earlier this year, because we've had our loan only seven months. I don't feel like extending our mortgage another two years for a mere fifty-dollar per month saving. We're saving $44 more than last year because we no longer rent an instrument and a router.

The good stuff:
Paid more than 18% of our mortgage in two years! Spotted a quarter on the floor of the closing supermarket.
Received a free automated car wash courtesy of my auto dealership.
Made personal edition of LUSH's well-loved "Ocean Salt" scrub with ripe avocado, coconut milk, Dead Sea Salts, witch hazel and lemon juice. Shoulda used lime... saved $$.

1 Responses to “Going Down is My Going Forward: Year-To-Year Surmisings”

  1. rob62521 Says:

    Progress is progress and sometimes you have to concentrate in one area to get it underway before doing everything else.

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