Change from end of 2014: 1.75% increase
I’m working away at Swagbucks to earn a bit of extra money for household, Little Bean, and dog things we need. Feel free to join using my referral link if you like!
I didn’t anticipate having any reason to be pleased pulling together this first of the month net worth summary, but I forgot that my CDs with Ally pay out once a year, so hey! Nice little addition to the bank accounts.
Had reason to be extra grateful for our health insurance coverage. Not only does it cover all of my prenatal related visits, not only are all the OB nurses much nicer than I expect them to be (I don’t know why I always expect them to be a little mean), the prescription side for the unfortunate plague of spots added up really fast. One prescription would have cost $128! Instead I paid $10.
That’s not to say ALL of them are competent, as I discovered to my chagrin one weekend, but by and large we do ok with the HMO.
Even with one unplanned burst of generosity, we managed to keep Christmas gift costs down to around $300. This is, I’m pretty sure, a little better than we’ve done in previous years that included last minute panic shopping.
We haven’t been exchanging gifts between ourselves but in the tradition I started last year, I did treat us to another batch of stocks. Of course, I spent a great deal more on that than, say, $300 for a physical gift but it’s one part of one aspect of our nest egg.
LB’s nest egg/spending cushion is perking right up: 6,538.34 to date!
Miscalculations: I made a large payment against the mortgage principal at the end of 2014. We do this every year but cash flow was lower than usual so the lump sum was correspondingly lower. I forgot that the second property tax payment was still coming due this January, though, whoops … What that means is I scraped together a large sum and threw it at the mortgage and left exactly enough for the next month’s regular bills but not enough for the large property tax. I hate digging into savings but it had to be done.
This does come at a bad time of course, I’ll soon be on half salary over the span of several pay periods so unfortunately things will be squeezed for a while yet. For the first time, I find myself thinking PiC’s bonus, expected sometime in the spring, will be awfully handy to bring us back up to a respectable balance.
Our December Side Money
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As we are more homebound, life revolves around just a few things and everything takes on a surreal sort of haze. Being days away from any life change, whether it’s a job loss, moving, starting a new job, I often wonder aloud what the big deal is REALLY. It’s a poor coping technique, trying to convince myself that change isn’t something to be stressed over.
I like pillows. I like lots of pillows. I like pillow fortresses, pillow moats, pillow rafts, cushions that shore up pillow structures, stuffed plushies that substitute for pillows in a pinch. This isn’t a revelation or anything… I just really like them.
My family continues to frustrate me from afar. I know I can’t change him but I will admit that there was a small part of me that hoped my dad would care enough, if not about me, then about the future grandchild (of which there may only ever be one) to suggest he’d be open to making any changes in how he lives his life. Perhaps smoking a little less, perhaps even just thinking about positive changes that would make it safe for LB to visit. As things stand, he wouldn’t even for a split second consider cutting back on smoking or doing anything about his utterly crap living conditions that include my unpredictable Trainwreck of a sibling I’d never trust around a helpless creature. So I shrug and move on with my day knowing that I can’t do anything about it.