Baby it's been awhile!!

So wow I didn't realize it's been so long since we have posted anything.


We've been very busy here at the WIW household.


School is back and DS-Y has started HIGH SCHOOL! How sad is that my baby is in high school.


DH quit his job he hated so much the past month. While he doesn't have a job right now he does have 2 things in the wings and anticipates he will have one soon. He's only been out of work almost a week now.


We have ONLY one Credit card with just over 11,100.00 left on it, and ONE Car loan with also just over 11,500.00 on it! We won't be paying extra to either of those for now until DH gets another job then we plan to attack the CC until it's below 10,000 and then get the car loan to under 10,000. Then we will focus on the CC only.


Our reasoning is we have no idea how long our car will last it has had a check engine light on for awhile and while the people at the auto store say it's only something in our gas tank, I'd rather be safe and get it down to about what we owe on it. It does also need new tires but I have the money saved up in our car repair sinking fund for those and just haven't gotten to them yet. Especially with DH NOT working right now, we can just drive our other car and leave one at home.


The weather as usual has now turned to our normal horrid winter weather with lots of rain and snow for the next 6ish months.


I think that's it for our update and I'll try to post a bit more often..


ttyl


~Wild Irish Wanderer

June Update

Sooo haven't paid much down in June, I had a health scare and had to pay quite a bit for medical expenses and I expect this month to also have some medical expenses since I have to do my year checkups.


June is a 3 pay check month and I have 6 hours of OT on it, so I'm excited to see how much that one is.


Weather is decent but not that warm also, so no hiking yet..


ttyl


~Wild Irish Wanderer

Paying it doooowwwnnnn.

We paid another $500 dollars to our next debt. !!!




Weather is finally, finally cooperating with our hiking plans, we haven't and won't be able to hike this week of next week due to work obligations but I have a hope that the week after we can..




I'm still working on the Konmari method, I have kitchen mine and hubby's clothing, Living Room and Dining Room done.




Nothing else happening.




~Wild Irish Wanderer

Konmari

I have spoken to the fams and we have decided to try to do the Konmari method.


If you haven't heard of her she is an organizing guru, you go thru your house in categories NOT rooms and pick out things that bring you peace and joy and get rid of the rest. I honestly have already pretty much done this with my clothing now we are going to do it with Hubs and Son's clothing.


I did already do the kitchen..   What a difference that makes!


I did the bathroom!!! And I did the hallway that doesn't have many places to stick stuff  but I got it all done.


Now to convince hubs he doesn't "Need" the boxes the playstation or Xbox came in and we can really, really throw those out....


I have a few days off but we have plans for all day Saturday. I'm going to try to do as much as I can while the hubs sleeps and Son is at school.


Much less whining if it's already gone when they get home and seriously I bet hubs would not even know if I went through his T-Shirts..


I'd love to get rid of 85% of the junk we have in our house and live as minimalistically
as possible. We'll see how that goes with the rest of the household :-)


~Wild Irish Wanderer

Last CC

 Our Last Credit Card to be paid off has $12,656.05 on it, We've paid this months payment and $600 Snowball payment so the balance as of right now is.


$11,813.05


 The interest hasn't hit yet but I know it will still be below $12,000 which is what our goal was. We'd like to have this paid off by May of next year and possibly even April or March.


 By May of next year our car total will be less then $10,000 and we will either do something with it or pay it off completely at this point we haven't decided.


 The weather has been wishy washy here since January so we have not been able to go on any hikes since with husby's new job we don't get that many days off together and when we do the weather isn't cooperating.


That's it for now...


~Wild Irish Wanderer

They tried to raise my interest rate so guess what.......

I logged on to pay the snowball and found out they were raising our interest rate so I did the next best thing, I moved money from savings and paid that sucker OFF !!!


ONE Credit Card to go .....




~Wild Irish Wanderer

Paid More

Just paid another $450.00 to Chase with only $915.71 left on this Credit Card. I seriously have the money in savings and probably will pay this off tomorrow or later today with the savings money. We still have $3,000 in savings because although we follow Dave Ramsey my guts tell me to have more then $1,000 in BEF.


~Wild Irish Wanderer

What's been going on at the household

Another $200 to the Chase Card. We have very very high hopes we will get it paid off at the end of April, If it's not we know it will be paid off by May 6th. I prefer to pay it off in April as it will be 2 full months ahead of schedule.


We have a birthday for a family member in April also, so I'm trying to factor that into our spending also.


Our Anniversary was this month and had to factor in money for that also. 


Now we can just hope for better weather then we have had so we can do some free outside stuff from our bucket list. Between snow, sun and rain it's been very hard to plan anything.


ttyl
~Wild Irish Wanderer

Update

So DH did not get the job he applied for and we are okay with that since he already has a job, it was just an upgrade..


We have $1550 left on Chase Card and although I have enough to pay it off in savings, something else came up that will require some money so we are waiting.


We are thinking about savings up and taking a mini vacation before starting our LAST Credit Card payoff. I'd like to do this and go somewhere warm..


~TTYL


~Wild Irish Wanderer

Tax Refund, Snow and no word on Job yet

So we got our tax refund back today it was abnormally high for us, we usually only get back $500-$1000. This was $5000 so we are going to put it on our Chase card and that will bring the balance down to a tad over $2000 left on this card.


Did I mention this is our Second to LAST Credit Card to pay off, we have paid off 3 others since last year. Small but paid off none the less.


Once this one is paid off we will have one credit card and our car to finish paying off.


On the bright side we have tons and tons of snow!!! It's been very fun to have all this white stuff to play in and although the cats hate it, the dog on the other hand thinks it's so much fun.


We still have not heard anything about husby's interview, we are patiently waiting for a yes or no...


That's it for now..


ttyl


~Wild Irish Wanderer

Job Changes

Nothing really happening here, we are continuing to pay down debt slowly.


We are getting a Tax Refund which will go towards our lowest debt.


Husby still hasn't heard about the job he applied for and after 3 tests he finally had his interview this past week. He already has a job so we aren't too worried about it although it will be a better job all around.


My new position at work has been so much better and I'm much happier in the new space.


We've paid down $1,000 since December of 2016 but....


Husby's work where he is at right now is going to change his days, we aren't happy about it because he will have 3 on and then 4 off and this will cut down drastically on our debt repayment. So on the bright side we are really hoping he gets the new job he applied for. It at least will be 40+ hours per week, with a lot of overtime available. 


So keep your fingers crossed!!!


That's it for this update..


~Wild Irish Wanderer