I was planning a trip in April, I was planning to go to Utah, then I changed my mind, and decided on New Mexico, I wanted to go see Meow Wolf, and spend the day wandering around their interactive art installation. So much for making plans, my phone was nice enough to remind me of it though, thanks phone!
I’ve spent the entire month of April working! Except for Easter, which I got off, paid, kinda nice, thanks Sprouts, I’ll take another please.
On the plus side, financially it wasn’t a bad month, I received a bonus for working during a pandemic, stimulus check deposited in a timely manner, and just my regular old paychecks.
I even did my part in stimulating the economy, and still was in the green this month!
I would like to interrupt my regular update on saving money and paying down my house, for a small rant.
I know I am pretty lucky to be working right now, there is an estimate that the unemployment rate is 23%, now that is incredibly high, and scary, there is definitely going to be some long term repercussions of everything that is happening right now, and that’s why I save money.
Saving money, and reducing debt isn’t easy, I know that, I’ve been there, but it is possible, and let me tell you, it’s given me a serious level of comfort in these turbulent times. Even saving a small amount of money can save you a lot of problems, from an article that I recently read, that really, really, pissed me off.
The IRS has had trouble getting money to people quickly because millions of Americans pay for their tax preparation through a baroque system of middlemen.
If you do your taxes online, through H&R Block, it’ll cost you, well it costed me $30, my guy did it, and managed to not pay anything, show off, and my taxes came quickly (kind of, IRS does identity theft now), deposited into my bank account. My stimulus check came the same way, simple, easy, on time, and it cost me six Starbucks coffees.
I don’t want to get too far in depth on the criminal system that I learned about, but please, save money! Even a little helps in the long run.
Now back to our regularly scheduled program.
Now on the the spending!
Holy crap! I’m getting there! I’ve finally got rid of that stupid mortgage insurance, it should reflect in June’s mortgage payment, and I managed to get it below $69,000 which took a little more than my usual extra principle amount, but it was worth it.
I crunched some numbers, because of the mortgage insurance, 37% of my payment was going towards escrow, 32% towards the interest, and 30% towards my principle, ridiculous! I don’t want to pay on this house forever, I have a homestead to buy! After the PMI falls off, it should be roughly 25% going towards escrow.
Food and Dining; $433!
Omg, these people eat a lot of food! Having all these adults that I birthed, in the house, all at the same time, eating everything! has really added to the grocery bill, and I didn’t even realize how much, parasites, all of them, even you Big Berk Brain.
Bills and Utilities; $250
I swear, can anyone turn off a light around here?! Savages I swear, I know I raised them better too.
Pretty much the same on gas, maybe a little less just because I only go to work and back, and I still need to change insurance!
Ya I did my share of stimulating the economy, I finally bought a Goddess Cup that I’ve had my eye on for a while, isn’t She beautiful! Mema Ceramics makes the most beautiful one of a kind mugs and cups, small business, female owned, made in America for you silly FB warriors. I may even end up buying another one, but so I can have a whole collection for when I’m allowed company again.
Because she deserves another shot. My homemade grapefruit and mint shrub mocktail, I should post a recipe, I’ve been making a lot of things, since I have time on my hands.
Health and Fitness $60
This month has also been the month I’ve fallen apart, I don’t know if age is finally catching up with me or what, but it sucks.
My work boots were starting to fall apart, so I bought new ones, off of Amazon since everything is closed, and they were way too heavy, or I was injured prior, either way I ended up with some serious foot pain, that is just now healing, after new shoes and inserts to boot. Not so good for the weight loss challenge, since I haven’t been able to walk! So I ended up having to buy another pair of shoes, and also decided to pick up a vitamin regimen to add to my iron supplements, lordy I am getting old! Even though I do feel slightly better taking a B complex and magnesium, yup, I’m old.
Word of advice, save for a rainy day account, then drop money into a stocks account, it makes the Bear, so much easier to bear, and feel free to give you and me some free stocks, use the link https://join.robinhood.com/dawnr348 . Stocks are risky, and I’m not a financial advisor, so enter at your own risk, I can say I’ve earned $3.52 in dividends for April, not to shabby for an amateur, better than my Betterment RoboAdvisor.
Alright, I have plants to water, have a glorious day, support small businesses, and stay healthy.