Wednesday, November 30, 2016

Mortgage Update for November

$25, 405.  1 year and 5 months to go.  I waited until the last day of the month to make my extra payment because I couldn't decide if I was going to do $1,000 or $600 this month.  Jimmy-dog's vet bill was $450.  I also had the opportunity to get the timing belt and water pump replaced in my PT Cruiser for $650, less than half the amount it was quoted to me.  Since the car was 10k miles over the recommended maintenance time and I had heard that a broken belt usually kills the engine permanently, I decided to get it done even though the financial timing isn't the best.  So, that's negative $1,100 for November.  I have $600/month budgeted for these kinds of expenses.  Then, I had the opportunity to host a tiny house in my yard for one month.  (Details to come later) That's a positive $300 for rent.  To make up the difference between -$1,100 and +$900, I only paid an extra $1,000 instead of my usual $1,200 for the mortgage.  Now I can move on to trying to balance December.       

8 comments:

Lizzie@her MFW Homeworld said...

You are doing really well. Life does get in the way but still you are getting there. well done

Anonymous said...

Looking forward to hearing about hosting the tiny house!
-Lee in Texas

Anonymous said...

I am looking forward to the tale of the Little House, along with pics!!!

You pay off those houses with amazing speed. November is always a bad month for me - property taxes and home insurance. I hate to spend more than I make

Daizy said...

It does, it does. I hope it doesn't get in the way as much next year.

Daizy said...

I can't believe it actually worked out. I just need some time to write the post.

Daizy said...

I better get with it and write the story soon. I left everyone hanging. November and December are terrible months for my finances. And then It takes until February to recover!

Dave said...

Another fine example of why it's a good idea to build into your budget a cushion or surplus to handle these things. I have had some unexpected expenses throughout 2016 and my built-in budget cushions protected me from having to make some (slightly) more extreme moves or decision.

Daizy said...

Yes, I am fortunate to have enough padding in my budget for flexibility during these situations. Now, if only I would stop seeing every sale as an excuse to buy myself a present. Wants and needs. Sometimes I blur the line.