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Six Good Things

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Jana Says and Surviving and Thriving have started a trend with posts about the half dozen good things happening in their lives.  Since complaining is easy, and I do a lot of it, I loved the idea of just being thankful.  Here are my six specific good things right now… 1. Our daughter is kicking me now! I don’t have to use the fetal heart monitor every night to assure myself that our baby is chugging along.  Now I just have to lean over while sitting down.  That move squishes her apartment space and pisses her off, so I get a few solid kicks telling me to sit the hell up.  So not only is she kicking, but she is spunky like her momma.  I love it. 2. Upcoming Trips Before I hit the waddling stage of pregnancy, I’m fitting in a few last trips without my own kid in tow.  That means getting to work out the details for a quick weekend adventure with my bestie, Dee, and my adopted niece via Airbnb. Dee and I have used Airbnb twice already and it has been fantastic.  Once in 2016 to stay in a big RV at Canyon Lake so … Read more

Our New Car Streak Continues…

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I’ll file this post in the category “because having a baby isn’t expensive enough”… Know how I mentioned that my husband and I prefer to buy new or nearly new cars, ride them into the ground, and start over?  Well, I might not have been crystal clear that our definition of “riding them into the ground” is a bit lazy.  We like to ride them for 9-10 years and move on when the first big repair pops up so we don’t have to handle the little car errands that tend to happen in a vehicle’s “second life”.  My Car For example, my 2005 Chevy Aveo only had 63,000 miles on it in 2014 when I sold it, but it was going to need a new engine in a year or two because of how crappily that car was made.  I sold it on Craigslist for $3400 and bought a new 2013 Honda Fit for $16,400 drive out on a 5 year loan at 0.9% (no money down).  I still have 13 payments or so left on it.  Our savings accounts are making 1% by themselves, so I don’t feel the need to rush on paying off the remaining loan. Hubby’s … Read more

Expensive Week – Now Brainstorming Money-Making Ideas with a Baby…

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It’s been an expensive week.  I’m officially brainstorming ideas for a baby-related side hustle. We Bought a Car Hubby’s 2007 Prius decided that anti-lock brakes weren’t necessary for its existence last Tuesday.  While technically true, isn’t helpful for a couple having a baby.  It made it a nice 178,000 miles and could go further with a $2100 repair.  But I’ll leave that to the next lucky owner. We waived the white flag and bought hubby a new 2017 Prius for $28,250 drive-out at 0% interest for 72 months last Wednesday.  Not a bad deal, but not a world-ending, amazing one either.  All of that happened within 24 hours though, so I’m not going to kick myself.  At least I’m efficient, LOL. Genetics Testing is Trying to Give Me a Heart Attack But then, a few hours later into Wednesday evening, I login to Liberty Healthshare and see that Progenity, the genetic blood testing company that our doctor had us use for me in December, had submitted around $25,000 in charges.  Liberty recalculated that down to around $5000 but said it wasn’t eligible. I freaked the frick out.  Not only because a blood test could possibly run us $5000 but also … Read more

Why Planning for Retirement Shouldn’t be a Headache

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As many of us are approaching the realization that we have not exactly got a solid plan for our retirement in place, it should go without saying that those with the most foresight among us are likely to be one step ahead. Factoring in a number of considerations, things can sometimes appear to be overwhelming in terms of planning where we will be and what we will have once we hit retirement age. Yet, how many among us truly understand what we will need once we have said goodbye to our working days? Are we prepared in any way for the various scenarios which could affect us when we reach the age where we should be enjoying our hard-earned resting years? For a number of people, the answer is no. Simply starting to devise a plan which will bring us comfort and clarity as we approach retirement can help, but can also prove tricky. WealthTrace, the retirement planning software I recently purchased has revolutionized the way I am planning for my later years. Quite simply, prior to using WealthTrace’s software, I was bogged down with information to the point that I left my files and calculator in the study for … Read more

Explore the Benefits of Pet Insurance with Health IQ

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Many people know how important health insurance is, but have you considered the value of making sure everyone in your household has coverage? Your children are probably already included under your current plan, but what about your pets? Dogs, cats, and any other pets can get sick unexpectedly, whether they develop a disease, need surgery, or swallow something they shouldn’t have. Pet insurance can help you pay for veterinary costs related to these issues, and this insurance can give you peace of mind knowing that if your pets get sick, you’ll be able to afford their sick care. Selecting a pet insurance policy can be as complicated as finding health insurance for everyone in your family. Each policy will offer to cover a certain percentage of costs after deductibles, and the amount you must pay in deductibles before insurance coverage begins will also vary. Regardless, many people can find a number of excellent reasons why their pets would benefit from pet insurance. Some people never consider health insurance for their pets, but that oversight can be a costly mistake. Whether you need to keep up on vaccinations or you move to a new city and have to update your vet … Read more

Please Don’t Be Fully Financially Dependent on Someone Else

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For anybody new, I’m 20-21 weeks pregnant as of right now.  I’ve been blogging about personal finance, budgeting, and my life in general here since February 2010.  And I just joined a few mommy Facebook groups in the last few weeks to help myself prepare for what is coming and to start building support networks since only a couple of our friends have kids.  Main New Mommy Group Topics Here is what I’ve figured out by just looking around the mommy group posts every day: 1.  Sleep is HUGE.  Sleep training versus just holding them versus whatever is like THE TOPIC, always.  I’m leaning towards a steady routine so they get used to a process, but obviously, there are dozens of ways to handle sleep time and you do whatever works for you, boo boo. 2.  Lack of partner support is sadly also one of the top topics.  Like depressingly prevalent.  For the record, I’m with anybody who says that partners don’t babysit their own kids while a mom takes a break.  It’s called taking care of your kid.  I get that we pregnant women have the breast milk and whatnot.  But that doesn’t mean the entire raising process of … Read more

7 Questions to Ask Before Buying Your New Home

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One of the biggest financial commitments that anyone can ever make in life is probably buying a house. Apart from searching for the kind of house that you may have envisioned for such a long time, it is also important to be practical in making this kind of decision. Searching for a new home can be a tedious task. It may take a lot of your time and wear you out looking for the right one. And even though you do those things, there’s still a big chance that you may end up missing a few points. Despite this, you need to make sure that you have looked through every option. That way, you are assured that you won’t encounter any problems once you move in. Questions to Ask Before A Home Purchase To help you out in deciding to buy a house, here are a few questions to guide you. How long has the house been on the market? You should know how long the house has stayed on sale, because this could be a big hint of what the actual situation is. A property that stays long in the market may have some issues that prospective home buyers … Read more