Friday, April 24, 2015

Credit Score

Apparently I'm rocking a 787 credit score based on information on file with Experian.

Since Costco's AMX will be going bye bye in a year, when I was in the bank cashing my paycheck, I got stuck talking to a personal banker because I also needed to order some more checks for our account...

Despite wanting to get in and get out, while he was processing my check order, the banker mentioned that they have an identical card with no annual fee so I went ahead and applied. When it came in the mail, it also came with a slip showing my credit score... 787.

Not bad folks, not bad at all :) 

It also reminded me I need to pull my free credit reports from all three agencies, and get my husband to do the same.

Monday, April 20, 2015

Yeah for emergency funds

Somehow my time sheet was messed up and I was only paid me for 40 hours... instead of 40 hours worked and 40 hours of leave... so my paycheck was 1/2 of what it should be....

Just another thing I have to deal with today when my husband goes back to work :(

Now I have to drive down there with my newborn baby to pick up a manual check, then go to the bank and deposit it... 

Thankfully we have extra money in our checking accounts and an emergency fund if need be... But its just so annoying because I already have a lactation appointment on Monday and really don't want to have to drag my baby all around town on Monday when he's just 2 weeks old.

Friday, April 17, 2015

Mortgage Update April 2015

Principle paid down: $339.08
Interest: $330.88
Additional Principle: $0.00
New Balance: $105,541.52

The pay off date is June 2033. 

If I continue to pay the minimum on my loan, we will end up paying a total of $69,410.24 in interest over the course of our entire loan... Before our refinance, we would have paid $116,404.23 in interest.

Getting the Keys...

It took me $7,057.08 to get the keys to my condo and then I spent another $17,672.29 to remodel and repair it... In short, I was -$24,729.37 in the hole on day one...
  • In 2009 I got the First Time Home buyer's Credit giving us $8,000.00. I also got to write off some of the property tax I paid in addition to taking the standard deduction. This gave us an extra $90.10... but then I had to pay an Electrician $95.00 to fix an outlet... We also got a refund from my botched tile job that gave us another $1,265.00.
  • In 2010 I saved $1,087.00 on my federal taxes and $461.00 on my State taxes from itemizing my homeowners expenses. (This is what I received ABOVE what I would have gotten back with just the standard deduction).
  • In 2011 I spent $12.97 at home depot and $72.29 on a kitchen door. When we subtract those costs from what we saved by living in our condo instead of renting, we came out ahead $494.04 (See Mortgage Update + Condo Costs December '11 for that break down.) We also received a small $70 refund check from over paid closing costs. We didn't Itemize our taxes in 2011.
  • In 2012 we finished our Kitchen/Laundry door which cost us $103.24.. We also replaced both our glass slider doors which cost us $2,957.00... and repaired our dryer for $81.42....It ended up being $3,383.47 cheaper to OWN our condo than to rent an apartment on a monthly basis, (See Housing Costs 2012 for the break down) so even after we subtract the windows and other minor repairs, we still came out ahead $241.81 by owning our condo instead of renting...
  • In 2013 we got $52.53 back from challenging my property taxes in 2012. I also refinanced our condo, costing us $447.00 up front for our home appraisal... but we got a check back at closing for $747.20 and a check from my old escrow account for $489.74... We also got to skip a mortgage payment too! In addition, they automatically lowered my property tax value, giving us a check for $86.77.. and we saved $5,191.81 by NOT renting a place (see Housing Comps 2013)!! Additionally we ITEMIZED our taxes in 2013, saving $702.45 on a federal taxes and $503.74 on our State Taxes. (This is what we would have owed had we not had our property to write off).
  • In 2014 we did a few home repairs totaling $976.00... but even with those factored in, we still saved $3,119.04 living here instead of renting an apartment. We also saved an additional $377 by itemizing and writing off our property taxes and interests.
All of that "math" leaves us $2,292.14 in the hole. If we assume our home is worth at least what we paid for it ($120k), we have $14,458.48 in equity...

Leaving us a profit of $12,166.34 after 5 yrs & 7 months!

For 2015, we will again assume our monthly mortgage payments are going to be a wash since it's cheaper to OWN our home then to RENT an apartment. (Check out Housing Comps 2015 for how we figured that one out). So far in 2015 we spent $4,328.02 to live in our condo, instead of $6,952.00 to live in the apartment.
  • Mortgage: $3,147.83 (P&I, property taxes)
  • Extra Mortgage Principle: $0.19
  • HOA: $1,180.00
 For a total savings of: $2,623.98

Wednesday, April 15, 2015

Having a baby (part 2)

It was now 6 am in the morning on Saturday and I had just had 2 beautiful hours of rest thanks to the wonderful Epidural.

The doctors/midwife kept me on Pitocin and attached to the monitors. Ever few hours they would come and re-check me for any signs of progress. It seemed like such a slow battle. I'd either be a little more dilated or a little more thinned at each check up, so they would add on another 2 hours of monitoring.

Despite a constant epidural medication, the "pressure" they kept describing that was "normal" was anything from and I was in pain. I get pressure, I know what that feels like, but this was horrible. I cried a little bit and they gave me a booster for the epidural. Once that hit, I was in bliss for another hour, which told me that I was right and it was pain and not the expected "pressure" they told me to expect.

The monitors they were using were unable to gauge how strong my contractions were, so they put the internal one back in. Around 11 am a nurse told me the baby's heart rate wasn't looking so good and just put me on oxygen without really explaining anything to me...

So of course I panicked. A couple of friends were in the room with us at the time dropping off food for my husband and I tried not to cry too much in front of them, but once they were gone I called for the midwife. She kindly explained what the nurse had not. Apparently hard contractions sometimes deprive the baby of oxygen so periodically putting me on it gives him a boost. If my baby were in danger, 8 people would be in the room, not a nurse hooking me up and leaving me alone. She took me off the oxygen at that point and I calmed down and my husband played some music for me to breathe to...

Around 2 in the afternoon they put me back on oxygen... and kept it on...

a little later I then developed a fever... because there was an infection...

I got another boost of the epidural to help with the pain...

and while the midwife thought my pelvis was a good round size to deliver a 7-8 lb baby, my body wasn't progressing anymore. At 6pm I had dilated to a 9 but my cervix wouldn't thin anymore so she called for a doctors opinion and I told her before she left I wouldn't fight a C-Section, I just wanted a healthy baby.

The doctor came in and offered me the C-Section. I was prepped and ready to go in 30 minutes. SCB got his scrubs on and since the epidural was well placed he would get to hold my hand through the procedure once things were ready.

Thankfully I was with a room full of happy women who were playing upbeat music in the operating room -- which really calmed me down because I'm a happy bubbly person and it made the cold operating room easier to manage on my own because they wouldn't let me husband in until they were just about ready to begin. 

The medication numbed more than it should and the ceiling tiles buzzed, I had double vision, and my lips tingled so they were simultaneously waking and numbing my body.

King of the Selfie :)
I didn't shake on the table and I held my husband's hand. He got to see our little boy when he was cleaned up and they placed him on me briefly afterward to show him to me while they finished stitching me up.

I lost a lot of blood...

Too much in fact. Any more and I would have needed a blood transfusion.      

Our baby had also pooped inside me and had that in his amniotic fluid which was the likely cause of my earlier infection and fever.

But he was here, he looked healthy and he was mine...

My birth went nothing like planned. I wanted freedom of movement, my husband coaching me through everything and instead I got bed confinement, 28 hours of labor and a C-section...

But I got my baby... and that's what's important. My husband and I had discussed what we wanted to have happen if our "plan" didn't work and I'm so glad we did. We took classes and paid attention to both natural and C-section delivery. I had talked to friends who did both and I think it made it easier for me to accept.

Monday, April 13, 2015

Having a baby (Part 1)

Its a labor and delivery post... so if you want to skip this one, feel free ... at least we know its a happy ending.

So last Friday my day began at 4 am as I woke up and headed to work to do the early morning 5 am shift. Normally I don't do these shifts anymore, but I had a 2pm "monitoring" appointment at the hospital and didn't want to use my PTO before the baby got here if I didn't have to. (Yup,  41 weeks and I was still working because my doctor was kept telling me at every appointment that my body had not started the labor process. Saturday was going to be me last day at work since i knew worse case I would be admitted Thursday at midnight for a Friday induction.)

So I worked and went to the hospital right afterwards. I checked in and they put me in the chair to check the babies fluid levels to make sure he's was still happy in his temporary home. They wanted a measurement of 5, but I had few areas that were big enough to measure and after some 4's and one 5.2 section that couldn't be replicated, she told me she was going to call my doctor, but would have me go on to the next stage of the test, the heart rate monitoring just in-case.

He was a champ there with a nice strong heart and apparently some of what I thought was him "moving" was actually a contraction or two... but it came down to fluid, and the doctor gave the go ahead to induce me. I was walked across the building after I called my husband at work, and they brought me to my room.

Since my body wasn't doing anything at this point, the doctor advised against the folly balloon and gave me a pill to dissolve under my tongue that was supposed to help thin my cervix. The side effect was contractions, so I had to be hooked up to a baby monitor and a contraction monitor and basically confined to bed for the next 4 hours or so until they came to check on the progress to give me another pill, or to try something else.

Around 7:30 pm I had shown some sign of progress, but had had too many chemical contractions to take the pill again... and while she knew it would be hard, the doctor was able to get the folly balloon in place and they started me on Pitocin. I also got an internal monitor to measure how intense my contractions were.

Before going to the hospital, I had decided I would see how painful labor was before deciding on pain medications, (I didn't need to be a hero if I didn't want to be... but I didn't need to take drugs I didn't need). So going in, I knew the only thing I would take would be the Epidural since the other narcotics could affect the baby.

I told the nice nurses my "pain" plan and told them not to offer me anything unless I had progressed enough to get an epidural. My breathing skills would just need to help get me through. The balloon fell out around 10 pm and I was 4.5 to 5 cm dilated. I hadn't really thinned much, but the balloon did its job. If I wanted an epidural, I could have it now that I was at least 3 cm along... but I didn't need it since the nurse/husband helped me move a chair closer to the bed so I could stand up next to the bed, sit in a chair or lay in the bed. That was all the movement I was allowed since I still had to be attached to all the monitors.

The next step was breaking my water... which is a very "unique" feeling since you are sitting in bed and for me, I had a gusher. My internal monitor also came out, but since I prefered not being in the bed but alternating between standing and sitting, they put back on the original monitors. 

I got checked on a few times, but things got worse. The pitocin and the chemicals made me begin to dry heave and vomit. After a couple of "episodes" I got some anti-nausea medication..... but that still didn't help and after a few more incidents around 3 am I decided it was time for an epidural. I had already been up for over 24 hours that day since I had gone into work for the early shift and I didn't need to be a hero. The problem was the anesthesiologist got called to an emergency C-Section and the back up was on the other side of the hospital helping someone else so I had to wait.

The pain got worse. My legs would involuntarily shake... I cried in between and tried to keep my breathing steady... an hour later, the anesthesiologist came in and between contractions he had me up and running seamlessly.... and I slept for 2 solid beautiful hours. 

Thursday, April 9, 2015

He's Here! Welcome Elias!

Elias Alexander

Born Saturday, 4/4/15 @ 6:50 pm
7 lbs, 8 oz
19 inches long


We made it home, but we are resting after a 28 hour labor that ended with a C-Section. I'll post all the details of my induction later, but for now we sleep :)