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So you increased your net worth by at least 14k in one month and also took responsibility for the overages. Well done DCB that's stellar work 
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Apr 29, 2015 22:32
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DogsCantBudget posted:2) Medical: I paid off all existing medical bills, but wife tweaked her back and needed to go see a chiro a few times which put us over by a bit. Hopefully she will be better soon. This is probably opening up a can of worms, but chiropractors are mostly bullshit based on quack science. Go to a physical therapist or just rest your back/ice it if it's not bad.
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Apr 29, 2015 23:02
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Inept posted:This is probably opening up a can of worms, but chiropractors are mostly bullshit based on quack science. Go to a physical therapist or just rest your back/ice it if it's not bad. Refuse to start that argument. It works for us...It didn't work for you. It's ok. World won't end if we disagree.
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Apr 29, 2015 23:12
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How do you collapse the top black part where the available to budget / overbudget status is? I have clicked everywhere I could think.
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Apr 30, 2015 01:49
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dreesemonkey posted:How do you collapse the top black part where the available to budget / overbudget status is? I have clicked everywhere I could think. Click the "Available to Budget" text.
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Apr 30, 2015 03:23
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anitsirK posted:Click the "Available to Budget" text. Thank you, apparently I'm a dumbass.
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Apr 30, 2015 12:52
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So, the closing is still in somewhat of a nebulous state. They fixed the numbers, but now getting the closing date set with them is getting to be impossible. But hopefully it will happen. Also, we are doing good this month on budget. We went 300 under out total travel allotted amount(we had 1k saved, and spent ~700) yay. No crazy expenses this month planned except for the closing(i have a 2k check sitting at home waiting to be cashed once they tell me when the gently caress the closing is happening). We made a tactical decision to take that out of our e-fund, as we feel we can pay it back pretty quickly. Just got paid today. Putting 2k into the emergency fund so bringing it basically back to where it was. Currently just at over 11k. DogsCantBudget fucked around with this message at 19:30 on May 14, 2015 |
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May 14, 2015 19:25
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Closing happened this afternoon after much hemming and hawing. Good news/Wierd news: Good news, cost 1300 less then I expected. I put that 1300 back in savings. Only 2500 left to go to fully fund our e-fund(not saying I can't add more to it...just to get it to 15k)! More Good news: Mortgage payment went down ~300$ a month and interest went down .5%. Some Wierd/hiccups: My Good Faith Estimate did not match my HUD-1 by more then 10% in section A, line 4. I thought this was a number that wasn't allowed to change. Can anyone advise me what to do here? I think i in theory may have lost another 800$ here. Other thoughts: Wife and I really want to put a back deck/porch on the house. Right now our back porch is a 5x10 concrete slab that we can barely fit our grill on. Adding a deck would definitely add value to the house, without raising appraised value. I have some folks coming out for estimates which I expect to be 2-3k.  Please discuss
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May 16, 2015 02:05
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DogsCantBudget posted:Good news/Wierd news: A bunch of good news there. Clearly you have some refinancing that has gone on and improved your cashflow and interest payments. A deck would add to your quality of life and contribute a little to property value. Like everything else budget for the work to the deck. Be aware that the quotes are likely to be time limited and may change if you delay significantly.
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May 16, 2015 06:16
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Maybe make a patio yourself out of pavers/stones? More work but much cheaper.
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May 16, 2015 06:19
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Having something to put the grill on a few more feet away from the siding would be a big improvement in safety as well. You're probably right about appraisal value regarding closing, but do of course realize that this drat city likes to raise our assessed value by the yearly homestead cap whenever possible and that it's separate from appraisal. And based on the recent selling prices for homes, I doubt I'll have evidence to refute the tax rise despite putting literally $0 last year into improving my home.
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May 16, 2015 07:04
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Inept posted:Maybe make a patio yourself out of pavers/stones? More work but much cheaper. HOA won't approve this...ever. Devian666 posted:Like everything else budget for the work to the deck. Can I delay the E Fund building by a month and just pay it with the money I would have used towards the E Fund in June? I'd rather not wait a year for it. I do already have ~725 in the Home Improvement fund
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May 16, 2015 14:10
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Why wouldn't they approve a patio? It would look better than a raised deck... If your house wasn't on grade a raised deck would be fine, but that isn't the case.
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May 16, 2015 14:41
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SiGmA_X posted:Why wouldn't they approve a patio? It would look better than a raised deck... If your house wasn't on grade a raised deck would be fine, but that isn't the case. Cuz it doesn't meet community standards. To be honest, I wouldn't want it anyways. I want a wooden deck
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May 16, 2015 17:25
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DogsCantBudget posted:Cuz it doesn't meet community standards. To be honest, I wouldn't want it anyways. I want a wooden deck "Want" being the key word there. I personally wouldn't delay an emergency fund or slow down on debt repayment just for a deck you suddenly want.
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May 16, 2015 20:09
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Make a goal for yourself before you purchase the deck. I'd say 4 month e fund and pay down all debt that has interest>5% or could depending on probationary period.
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May 16, 2015 20:20
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SiGmA_X posted:Why wouldn't they approve a patio? It would look better than a raised deck... If your house wasn't on grade a raised deck would be fine, but that isn't the case. Never underestimate the pettiness of HOA boards. If they've convinced themselves that poor people have patios and rich people have decks, then there will be no patios in the neighborhood regardless of whether they're visible or not.
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May 16, 2015 21:35
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SlapActionJackson posted:Never underestimate the pettiness of HOA boards. If they've convinced themselves that poor people have patios and rich people have decks, then there will be no patios in the neighborhood regardless of whether they're visible or not. I must be such a poor. I installed a 400 sq ft patio myself out of pavers and was $1100 all in including truck and plate tamper rental. Looks way nicer than my neighbors' deck.
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May 16, 2015 23:17
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SlapActionJackson posted:Never underestimate the pettiness of HOA boards. If they've convinced themselves that poor people have patios and rich people have decks, then there will be no patios in the neighborhood regardless of whether they're visible or not. Dogs, how's your lots grade? Bloody Queef posted:I must be such a poor. I installed a 400 sq ft patio myself out of pavers and was $1100 all in including truck and plate tamper rental. Looks way nicer than my neighbors' deck. SiGmA_X fucked around with this message at 00:05 on May 17, 2015 |
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May 16, 2015 23:58
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I'm guessing you went ahead (or are going ahead) with getting the deck, so at least post pictures if it's done and tell us how much you actually spent or plan on spending.
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May 25, 2015 14:44
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ObsidianBeast posted:I'm guessing you went ahead (or are going ahead) with getting the deck, so at least post pictures if it's done and tell us how much you actually spent or plan on spending. Not yet, but have submitted paperwork. I'll post pics when/if I have something....
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May 26, 2015 13:36
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 Let's talk about May and then June. May Overages: Phone - Wife and I each got new cellphones. This will increase out cell phone bill by about 30$ a month, but we've had the same phone for over 3 years, so it was time to upgrade. I bought a new case for it online(an otterbox), thus the 37.98 overage. I probably could have split this out to Spending money/restaurans Groceries: We ate out less, leaving 52$ in a budget that I already had reduced from its normal 400, so over 100$ less, so significantly less actually Pet Care: One of the pups is getting old, and his teeth have started to bother him. We have had to start mixing wet food into his diet to supplement the dry food, or else he doesn't eat:( Poor pup. However, we found a cheap source for Wet food that we liked at Costco(top 3 ingredients are meat based, which is key when purchasing dog food!) Underages: Fuel - I seem to consistently spend way less on gas then I budget for. In future, after June, I think I'll bring that budget down to 100 and see how that goes Restaurants- See above Spending Money: A lot of smaller spending money expenses, but I managed to stay under this month. I think it's the first month I've pulled that off. June June should be a pretty low spend month. I'm actually travelling to Europe for business for 2 weeks which means we'll have minimal expenses(I hope) while I am gone. A couple things of note for right now: 1) Mortgage payment and HOA dues are at 0. I was running this budget a month ahead, but reconciling it every month was becoming a pain. I will be making a payment of 1400 even though with the recent refi my payment went down to 1100. Why? Because I'd rather pay this down a bit faster, and as such the 1400 will end up going completely to principal. Obviously HOA dues are gonna happen no matter what. They have already been paid. 2) Car insurance. This was actually 895 but I already had ~291 saved from previous savings. In future I'll plan ahead for this and have set up a recurring 100$ withdrawal monthly from my account to make the hit less painful in future. A 600$ hit hurts more then a 200$ hit. Not much more to say for monthly analysis. Let's talk retirement though. Value as of today is ~72k, and has grown(from what I can see) by 10k in the last 4 months(that includes contributions, so not sure if this is actually good return or not? I really need to analyze this better). 
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Jun 1, 2015 15:57
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Looking noice Dogs! I'm glad you're updating your thread.
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Jun 1, 2015 16:55
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You blew your budget by nearly $1000. You did a lovely job in May. A budget is nothing if you don't stick to it.
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Jun 1, 2015 19:12
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n8r posted:You blew your budget by nearly $1000. You did a lovely job in May. A budget is nothing if you don't stick to it. If he had money rolled over from April it would lead to what we're seeing. I don't see any red so I don't think he broke the budget, but instead used rollover categories. But I don't know for sure.
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Jun 1, 2015 19:17
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I count at least 11 categories where he spent more than he budgeted.
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Jun 1, 2015 19:22
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n8r posted:I count at least 11 categories where he spent more than he budgeted. Can you clarify? I'm not debating you on the point, I'm just confused.
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Jun 1, 2015 19:33
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There are 11 line items (maybe more?) where the negative number is larger than the budgeted number.
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Jun 1, 2015 19:36
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n8r posted:There are 11 line items (maybe more?) where the negative number is larger than the budgeted number. Most of those lines are likely because he had money left over in those categories the previous month because he spent less than he budgeted.
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Jun 1, 2015 20:14
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He's overspending categories. Note that the earlier May screenshot showed $6700 in outflows:  Also why is there a $236 hobbies budget? Is this a budget or is this just coming up with the number you plan on spending this month.
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Jun 1, 2015 21:58
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Refresh please: why is the efund at 0?
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Jun 1, 2015 22:10
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SiGmA_X posted:Refresh please: why is the efund at 0? EFund is at 0 because as I find money to put in there I do. Note that the budget that n8r posted just before you also had it 0'd out. For reference there is ~12500 in there right now. I do plan/hope to fill it by end of June. n8r posted:He's overspending categories. Here's a handy spreadsheet identifying where I went over/under. Note that E-Fund 2k is over, but thats because as I said "I am throwing what I can in there, hence 2k"  You are right in that it stated 6700 in outflows, but I had 8039. The 6700 did not take the 2000 into the E-Fund into account, so in theory not only did I blow 6700 away, but I was down closer to 6039 in outflows...so under budget by 670$?
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Jun 1, 2015 22:26
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Just checked the mail. Got my escrows from my old mortgage back. 2k. Yay! Cashed the check and spent it on a scuba drysuit that I have been wanting cuz it's extra money for the month that I wasn't planning on.
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Jun 1, 2015 23:37
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DogsCantBudget posted:Just checked the mail. Got my escrows from my old mortgage back. 2k. Yay! Cashed the check and spent it on a scuba drysuit that I have been wanting cuz it's extra money for the month that I wasn't planning on.  Not sure if you're serious or not, so good job!
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Jun 1, 2015 23:46
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Inept posted:
That one is likely to be serious. Despite some over category spending dogs overall accumulation of net worth seems to be on track.
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Jun 2, 2015 00:48
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DogsCantBudget posted:EFund is at 0 because as I find money to put in there I do. Note that the budget that n8r posted just before you also had it 0'd out. For reference there is ~12500 in there right now. I do plan/hope to fill it by end of June. Overall, nice job. I'm sure I could nitpick, but you're saving a lot more and not vastly over spending. Big turnaround from a year ago. Where is the deck in the budget? Maybe I'm missing it, I'm on my phone still (loving work / month end close  ) but it looks like there is only $125 in the Home Improvement budget.
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Jun 2, 2015 01:53
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Devian666 posted:That one is likely to be serious. Despite some over category spending dogs overall accumulation of net worth seems to be on track. Windfalls shouldn't be spent on random bullshit. That's one of the basics of budgeting. He could have put that money toward his deck or new house or whatever.
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Jun 2, 2015 02:40
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Inept posted:Windfalls shouldn't be spent on random bullshit. That's one of the basics of budgeting. He could have put that money toward his deck or new house or whatever. We all know dogs is breaking the windfall spending rule, and some minor infringements on the budget (this used to be worse). However emergency fund and net worth accumulation are on track, which is why I give dogs some leeway. If you go back to the expensive hobby part of the thread you'll see where a few people bailed out of this thread, and where I started looking at where this is all heading. Don't expect a strict BFC approach from me in this thread.
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Jun 2, 2015 03:31
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Inept posted:
Glad to disappoint some of you...I wasn't. I took that check, cashed it, and sent a matching check off towards mortgage principal. I do want a new drysuit, but I need to figure out when thats happening and would probably discuss it here first. SiGmA_X posted:Where is the deck in the budget? Maybe I'm missing it, I'm on my phone still (loving work / month end close The deck's not quite here yet, and I'm figuring out timing. It might come in this month, might be next month.
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Jun 2, 2015 03:49
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Look at you being an awesome badass dogs. Have you figured out how much longer you have to stick to this budget for to hit the goals you wanted to hit? With you being on track toward everything where does that eventually put you to be able to afford more of the fun things like the scuba lessons and more extravagant vacations?
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Jun 2, 2015 03:54
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