Wednesday, February 25, 2015

Emergency Fund Update!

Looks like we are going to make our annual goal for our Emergency Fund thanks to our Tax Return! We just dumped it into our Emergency Fund to get that done a month early. It feels so awesome to know that tomorrow when SCB's paycheck hits the bank account, we will send over the $150 or so the EF needs to be at 6 full months with baby padding expenses!

Its a nice relief to know that we will have a good cushion of cash before the baby gets here... and our hospital fund will have $1,000 in it to cover our medical expenses.

I still need to do my hospital bag, but I got a couple more days left this month to do it!

Monday, February 23, 2015

Got to see my baby today

I went in for my regular appointment and my little guy was moving around while the doctor was just listening to his heart beat and I got to hear his little baby hiccups... Which are totally adorable by the way.

After a swab test, my doctor had thought my baby was head down based upon feeling him... but after he was doing some kind of a cervix check he wasn't sure... which meant I got to see my baby because he called for the ultra sound machine.

I don't know about other mom's but I get excited to hear my doctor call for the machine because it means I get to see my baby and nothing makes me happier than watching him just hang out in there. I wasn't even thinking something might be the matter, I was just like "score, I get to see him again!"

So I got to see his head and his heart beat like crazy... I even got to see his cool skeletal structure. It was pretty epic since the last time we got to see him was his gender reveal ultrasound.

I'm happy to report that he apparent he still has room to move around and my fluid levels are good and despite my size and weight gain, my doctor isn't thinking he's going to be a huge baby since he still has room. 

Oh Happy Day! #32 days left, 35 weeks and counting!

Friday, February 20, 2015

Wednesday, February 18, 2015

So not my day....

I spent Sunday night sleeping on the couch again because I could not get comfortable... So needless to say I eventually slept, but not amazingly so... What I lacked in quality was made up in quantity as I think I didn't really get up to start my day until 8am... We think my sleeping problems come on nights were we eat too close to bed time and we haven't been able to help me "walk and digest" around the park... those tend to be the nights I end up on the couch. Hopefully recognizing that will help keep me sleeping on the bed where quality sleep can be achieved.

So naturally, Monday started off rough.

When I finally got up and moving around for the day, I tried to walk Roxy around the park... but had to come home after a single lap because I was out of breath... Apparently that happens when you have 30 something days left in your pregnancy.... I was wheezing trying to get up the stairs (Thankfully by mid day it was all gone, but I digress...)

I had huge plans that day to try and cook four different dinners (most of which to toss in our freezer before the baby gets here)... and I needed to be able to focus. As I was working on the first one, I almost slipped in the kitchen because I stepped in water...

Yup... My dish washer started leaking today...

And if that's not bad enough, while preping meal two for the crock pot, I roasted some peppers for a recipe and forgot to wear gloves when peeling and handling them (normally I don't need to because they are mild peppers)... but since my hands are so dried out with the season and my pregnancy my hands and fingers burned for at least 2 hours. The only relief to make the stinging go away was soaking them in water... but as soon as I took them out, it came back.... I tried dish soap and water, olive oil than washing.... using rubbing alcohol..... then some ice packs...

After about 2 hours it finally went away. It would flair up occasionally during the course of the night, but it wasn't anything too upsetting.

All in, I would say today was a no good very bad day.... but at the end of it, I had 3 of the 4 meals planned (4 was a little ambitious), I got Elias's bed made (I washed his bedding in baby soap and laid out the few premie and newborn hand me down outfits we have for him that are now also washed) and I got another load of his clothes in the dryer...

I managed to clean and do all the dishes as I went along (hense using the dishwasher twice in one day-- the pots and pans are still there for SCB to do, but I rinsed them off after using so they will be easier for him to clean up)....

and I got my kitchen floor cleaned too.

My freezer received about 20 some spinach bites (we ate a few out of the oven because we couldn't resist), 8 serving of my green enchilada soup (3 are in the fridge to get us through a dinner later this week and one lunch for me), then we had enough Korean beef and broccoli to feed us dinner and a lunch for me... and one more dinner this week too which is good since we are going down to San Diego to the temple mid week for my friends sealing so its nice to know that I have meals already done for us to just heat and eat.

The Eli Stock Up Now Includes:
  • 2 dozen whole wheat banana nut muffins (for me)
  • 1 loaf of banana nut bread (for SCB)
  • 8 servings of green enchilada soup
  • 20 spinach bites
  • 20 homemade turkey meatballs 
  • 1 extra loaf of homemade bread if it makes it till my next baking day on Monday.
I'm hoping later this week or even this weekend I can make a double batch of pesto cream cheese turnovers for a meal and for the freezer... and then I want to stock up on homemade bread, broccoli and tomato soups, smoothie ingredients, and a few other things. I'm also hoping to do a freezer meal party at my friends house on the 1st to help prepare, but I won't know what meals she's planning and if we will eat them until later this week.

So I say by the end of everything, the day was salvaged... especially since it looks like my dishwasher isn't leaking anymore... I think the door seal was just off for some reason because the second load didn't leak at all...

Monday, February 16, 2015

Apparently having a baby isn't a qualified status change...

for my husband...

My HR department told me I can't make my health insurance a "family" plan when the baby comes... I can add the baby... but not SCB because its not a status change for HIM.

I'm soooo P.O.'d.

If we had known we would have put him on at the beginning of the year or done our research sooner....because part of the perk of putting the baby on Kaiser was that the whole family would have awesome healthcare for the same take home pay... which would be worth paying all the extra money for piece of mind...

Instead I read, on the paperwork a list of qualified status changes where you can make changes to your health choices outside of open enrollment... and having a baby is on there... so I assume that means we can make changes and add and delete family members to have the best situation for our family.

As much as I want the baby on Kaiser, I think I might try and really look into finding a doctor I like with my husbands insurance since he apparently needs to find one anyway.


(If anyone on the internet can prove this wrong, I'd love you to pieces).  

Friday, February 13, 2015

February Mortgage Update

Principle paid down: $336.97
Interest: $332.99
Additional Principle: $0.00
New Balance: $106,218.63

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 $13,781.37 in equity...

Leaving us a profit of $11,489.23 after 5 yrs & 5 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 $2,154.00 to live in our condo, instead of $3,476.00 to live in the apartment.
  • Mortgage: $1,563.81 (P&I, property taxes)
  • Extra Mortgage Principle: $0.19
  • HOA: $590.00
 For a total savings of: $1,322.00

Wednesday, February 11, 2015

Feb Bump Update

33 Weeks Folks! I feel like we are in the home stretch here with around 40 days to go until my "due date"... which depending on how he feels, could mean I'm waiting 8 weeks or 4 weeks to meet him if he's late or early.

I've had a couple days of swollen ankles (Because I spent a few days on my feet working a couple events and having a baby shower...) but thankfully it hasn't been painful... and I'm glad I still have my running shoes since those are nice an comfortable since I buy them bigger than my "street" shoe :)

I'm still sleeping okay... but I've had a few nights were I've positioned myself too low (not elevated enough), and I've woken up gagging and coughing on stomach acid....  which is not something I wish upon anyone.

Other than all that, things have been going pretty well. We finished all our baby prep classes, completed our Kaiser hospital tour, and we are getting into baby prep mode.

I've started to batch cook some food specifically for our freezer to make life for SCB a bit easier when he has to feed "us" 3 meals a day for a few weeks while I'm recuperating after delivery. I made 2 dozen whole wheat banana nut muffins that I will put directly into the freezer as breakfast aids so I'm not living on cereal.

I am hoping to make a list of things that SCB can make for me for breakfast, lunch and dinner where he just has to pair items together or take something out of the freezer and heat it up so he's not just staring at food, wondering what to do with it... After all, he lives for the simple and most of my recipes would overwhelm him if he were to make them from scratch so I'm going to try and give him as much help as I can while I can do it.  

Baby Swag!
My sister threw me a baby shower over the weekend with my mom at her place. It went really well and my friends, some people from church, etc. all had a pretty good time.

All I can say is diaper raffles are awesome... We got a few cases of them which made SCB really happy! We also have a changing table we got from my old babysitter that we need to move over from my mom's house to our condo... but we need to wait until next weekend when my sister's fiance can bring it over in his truck.

All in all, this little guy felt really loved over the weekend.  He has so many clothes and we still have more hand me downs to go through that are in a box, but thankfully they are all different sizes so we don't have to worry about everything being infant sized! He already has a selection of 3 month, 6 month, 9 month, 12 month... even some 18 to 24 month pieces. (all the 6 month plus clothes are living under his crib in some under the bed storage containers for now and we are just keeping the infant to 3 months and 3-6 month clothes in his wardrobe.

We're still putting things away and sorting through all of his stuff so we can make a list of duplicates to return and things we still need to pick up, but I'm feeling better about his arrival now that our classes are done and we have some of the basics!