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June Look Back / July Look Ahead

July 7th, 2014 at 04:55 pm

The look back/look head is just my way to try to keep myself on track with my saving and spending. I have an Excel spreadsheet I love for tracking my debt paydown but it doesn't translate well to saving and spending; I find I'm more about words than numbers for those areas.

The good news for June was that my $625 client bill finally got paid! (I posted about it in my last 52 Week Mega Savings Challenge update.) I still haven't received the $200 refund from the physical therapy place, so I'll need to give them a call.

Our vacation went well, I made turtle brownies for the reunion that were a big hit so now I'm "in" with the family (this was the first time I'd met most of them, and only the second or third time for the rest). The critters didn't give anyone too hard of a time, which means they'll probably be allowed back if we try to get away together again.

The air conditioner at the rental is working perfectly (knock wood!) so hopefully it won't need replacement this year. I've started diverting the money I had saved for that to the other repairs that are needed. I had a good talk with the tenant, too, and we're on the same page about what needs to be done and spacing it out a bit so that it's not too much of a financial burden in any one month.

Our garden is in and already doing better than last year, which is promising. Still not as well as some of the more experienced gardeners', but we're still learning. (We're also trying to be less chemically inclined, so for example while lots of people use Sevin dust, we're using diatomaceous earth.) My biggest thrill is that a few of the tomatoes I started from seeds seem to be coming along. Of course the day we were planting the seed pods got all mixed up, so I have no idea what variety they are! Most of the seeds I started were heirloom, so if we end up with tomatoes I should be able to figure out what kind they are from their appearance.

On the financial front, I paid off $2,398 in debt, paid $810 in interest, and diverted my extra $149 from my avalanche card to the small balance I posted about a while back, so that card is now Paid In Full! Yippee! Smile One less payment to make, and an additional $23 a month to avalanche!

Oh -- Social Security apparently paid attention to the letter I sent in May, and at the end of June finally requested back all of the deposits they'd made to my MIL's account. (It looks like the money hasn't actually left the account yet, but I do see the request.) Government efficiency at its finest!

The first half of this month is focused on my career, for a change. My boss wants me to take a licensing exam, so this week I'm in review classes and then take the test next week. It's apparently a very intense test, and a significant number of people don't pass it the first time, so I'm nervous about it but also open to the fact that I might need to retake it. (I'm not sure if that's going to be more or less helpful to my studying, but it is what it is at this point!)

Once I pass this exam, there's another that's a bit lower-key, and then I've been told I'll get a bonus and an increase in pay. (We'll see how that shakes out, of course!) The long outlook is that once I'm licensed, I'll be able to take over (buy out) the business when my boss retires/dies/becomes disabled, which is a win-win all the way around. Not that I'm hoping for anything to happen to him, but he's 82 years old (but in excellent health) so it's definitely something he's thought about.

At any rate, the rest of July should be pretty laid back; it's a slow time at work and nothing much going on socially or with the family except my mom's birthday at the end of the month. I'm looking forward to having some time to relax again!

1 Responses to “June Look Back / July Look Ahead”

  1. creditcardfree Says:

    Congrats on your debt pay off in June! Paid in Full always feels good.

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