So thankful it’s the end of the day. My day job was busy with meetings. Then night job steady with customers and a decent amount of tables. Not really busy, but steady. Now my feet hurt, I’m tired and over people. So over people. Just two more days of work and I’ll get a day off. Yay.
Finally got my new mortgage amount for next year. It’s going down $300/month. Seriously insane but it went up over $300 last year so it kind of make sense. My homeowners insurance dropped drastically and so did my property taxes. So this time my escrow had an overage. With the tax laws that changed hopefully it won’t go up or down drastically anymore and just stay normal.
So, this means I’ll have $300 “extra” per month. I debated it some more and I think instead of paying extra towards stuff I’ll save it to begin. Until I have enough to pay for CFI lessons upfront knowing that Alex will be doing that sometime this spring. Ideally, I could save $1,000/month until I have to start paying that. This will be dependent on Alex starting to support himself and his dad sending me money he owes me from past stuff and paying half of Alex’s ongoing expenses I pay.
After CFI is paid or saved for I will then start paying more on my car to pay it off faster. Then I’m back to debating. I learn towards combining the extra $300 to my $400 car payment which would give me $1,000 a month to put towards Alex’s car with his payment added in. Once that’s paid off I’ll just have the house and never-ending student loans.
So, after both cars I think I’d then like to save a decent chunk of money again. Thennnnnn start working on my student loans. Mine aren’t bad. It’s the Parent Plus ones for Alex that are awful but he’s supposed to pay those off himself. Hopefully, he’ll get his CFI done, rack up his 1,000 hours and be ready to go commercial in 2 years or less. Until then though I’m sure I’m going to have to help.
I feel like I’ve got a basic plan figured out but I’m sure I’ll be thrown some curve balls and random expenses I hadn’t planned on. I’d say I can have a 2-5 year plan to be out of payment debt for the most part AND have a decent emergency fund saved. I just need to budget a little more, not spend the “extra” money that comes up, etc.
That can be my New Years Goal. Because for December I still maintain I’m going to Vegas and having a great time. 20 more days. I’ve paid some already and Nick will be giving me his half sometime this month. I get my quarterly bonus and extra bonus next week and I’m absolutely using that for the trip. I’m so excited. I can’t wait. Skydiving. The Grand Canyon. Cirque du Soleil. Food. Dessert. Drinks. Hockey Game. It’s going to be amazing and will so push me out of my comfort zone. I need this in my life. Badly.
Now I better sleep as morning will come fast. So thankful for no doubles tomorrow. Though I need to spend the evening cleaning the house so it might Z well just be a work night.
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