Hi! I’m Jennifer from jfersjourney.com. I just started blogging about my journey through marriage, motherhood and life. I’m in my mid-30’s (OMG), married almost ten years now, with a four year old daughter who looks just like me. We also have two dogs and a cat.
We live in Ohio, northwest of Columbus, out in the country. We have just over an acre of land and currently live in a mobile home (3 bed, 2 bath). I work for a large automotive company, in the facilities department. I’ve been with the company for almost eight years now, in my current position for just over two years. I contribute to my 401(k) above my company match, and am fully vested in my pension. And I’m lucky enough to still have 100% company provided benefits.
My husband is a truck driver for a small local company. He is home every day, just long enough to sleep, eat, and say good night to the munchkin.
Our annual income has grown over the years to close to $100,000, we bring home about $6,000/month. Unfortunately, we do have a lot of debt. We have a Honda Pilot, Harley Davidson, and a camper. All of which have monthly payments, which each more than my mortgage payment ($320/month).
- Mortgage Payment $320
- Cell Phone $300 (this includes our internet, along with a friends phone which he pays me $220 every three months)
- Student Loan $182
- Pilot $150/week
- Bike $115/week
- Camper $90/week
- Doctor $25/week (Hospital bills from the munchkin’s ear tubes)
- Daycare $125/week
- Insurance $200 (this includes the house, three trucks, the bike, camper and my wedding rings)
- Electric $120-300 depending on the season
- Propane $105
(Crystal’s Comment: That comes to about $3600 a month on the high electric months when you take into account 52 weeks in a year. Not bad at all when you’re bringing in $6000 a month after taxes, right? I think it’s pretty dang good and want to be there myself, lol.)
Our goals are to pay off either the bike or the camper this year, and the other next year. This will provide us with enough to either pay off the Pilot early, or save it for a down payment on a new-to-us house. And we haven’t decided if we want to put another home on our lot or buy a house in town. We go back and forth with this, but if we stay where we are then we have to follow the zoning regulations which will only allow us to put another single wide mobile home on our land. However, if we move to town, then we will be able to get a larger house with an open floor plan. And then there is the school district issue, hopefully they will still have open enrollment by then if we do decide to move.
I’ve been reading BFS and other financial blogs for the last year or so and finally decided to start my own. It won’t be strictly financial, more family stuff and whatever drama comes up in my life. At the very least, I’ll be able to look back and have a record of all the crazy things that happen in my life.
Crystal’s Comments: I peeked at your site and laughed at the bumper sticker mentioned in one of the posts “I’m nuttier than a squirrel turd” I need that sticker, hehe. Overall, sounds like you have really clear priorities and live below your means, so kudos! I have no idea if anyone cares what I think of their reader profile finance breakdowns but assume I should throw in my 2 cents, lol. Good luck with figuring out your housing situation in the future. And thanks for participating!
If you would like to participate in this series, please follow the guidelines found at BFS Reader Profile and submit your own story. Everyone is more than welcome and you can stay anonymous if you’d prefer. Thanks!
FYI: I worked at a dead end cubicle job from 2005-2011 for about $30,000 a year. I went self-employed in July 2011 and make between $80,000-$100,000 through blogging, a rental home, and professional pet sitting. If you’d like to start your own site (link to my free step-by-step guide), I highly suggest checking out Bluehost (my referral link with a nice discount for you). I even have all of my favorite tools on a resource page – I hope they help you too.
This all gives me the time to be with my aging family members, the flexibility to stay close with my friends and family, and it should help if we finally get pregnant too! Please contact me any time at budgetingfunstuff*at*gmail*dot*com with questions or just to brainstorm! I’d love to help!