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Archive for October, 2012

First Mortgage Payment & BiWeekly Payments

October 3rd, 2012 at 07:06 am

We made our first mortgage payment and signed up to start the biweekly payments instead. I wanted to get that started ASAP since we have the money now. This will ensure one extra payment a year without us feeling it and it'll be easier to budget for. I like win-win situations! I am hoping to put more towards it after our credit cards and medical bills are paid off, but doubt we'll be able to. I think we'll have to seriously look at replacing our car (we only have one) at that point. It already has over 140k miles on it and those others debts won't be paid off for two years.

Next thing to do is research oil heat. I have never had it before and have to figure out how that servicing works. I also need to get a quote for a solar roof. I am going to get quotes from Solar City and Sunergy.

Over $100 in undexpected expenses & MyPoints Gift Cards Redeemed

October 3rd, 2012 at 07:00 am

Just thought I'd check in. We have had quite a few unexpected expenses which I am not happy about. 2 $40 speeding tickets from the cameras on the side of the road. (I told hubby to slow down.) $30 extra on the cell bill due to texting, ugh. We need to figure out the free apps for texting. I am sure one will work on my husband's phone. I hate that we have to pay for texting. We already pay $10 for him to have 500 texts. The other expenses are just the last of the moving expenses showing up, like a $20 utility transfer bill, etc. I don't think they should charge me for that, but whatever.

On a happier note, I always redeem my MyPoints for gift cards at this time of year to use for Christmas. I haven't really been using MyPoints as much, so most of these points were leftover from last year I think. I was able to get $20 to Chili's for my brother's Christmas gift and $25 to Olive Garden for my mother-in-law. I currently have $5 in Amazon credit and am only about 50 Swagbucks away from another $5. I expect to get about $10 more in Amazon credit before Christmas which will help.

Oh and we received our full security deposit back + $47 in interest from renting our condo. Yeah! My husband and I each got a little spending money, then the rest went to tithing, fixing the car and to bulk up our emergency fund a bit.