Wednesday, March 25, 2015

Bump over the months...

12 weeks
I still get a kick out of my early "progress" pictures...

It's weird to see how thin my face was back at week 12... I can't wait for some of this bloat to work its way off me to see if I can get to "normal" again... Which should be interesting in and of itself since I had been loosing weight like crazy before I got pregnant :) (I mean I think I was smaller and in better shape when I got knocked up then I was at my wedding)!

Today though, I'm especially grateful that I snapped a few pictures in the same "Sunday" dress over the course of my pregnancy... In hindsight, I wish I'd taken a couple more, but I'm really glad I did a few early pictures in this dress when my other clothes still fit fine because I now have these three "journey" pictures that are cool to look at and see how much he has grown over the months from 12 to 25 to 39 weeks! It really gives you something to look at!

25 weeks
I'll be really happy with myself if I can get back to my  before pregnancy starting weight when all is said and done. I'm giving myself a year to do it since it took 9 months to change my body to accommodate my son and I'll need to recover after he comes before I can ease back into it... but if I go beyond that, and continue to improve my health, more power to me but I remember just feeling so fit and alive and able to move and do things at that weight... and this week its like that motivation to move and go and push myself just magically came back.

For weeks and months I haven't really cared all that much as I've been trying to grow a healthy baby inside me but something about this week has made me crave being able to be active like I used to.

(Maybe that means he's coming soon????)

(We can only hope so at this point because SCB is getting a little anxious and keeps telling him to get out of "mama's" belly each morning.)

39 Weeks
I know I certainly can't wait for the swollen ankles and the pregnancy aches and pains to go away. You have no idea how "interesting" it is to get out of bed in the morning or put shoes on... or shave your legs... but I'm lucky that my husband will help me with all three if I ask him to - and with no judgements at all.

Most days I just sit down and hold out my shoes and he comes over and helps me put them and my toe socks on (my sport short toe socks help keep my swelling at bay better than my regular socks do). Although I still *can* put them on by myself, he knows its not very comfortable and steps in like a champ.

I'm actually pretty darn grateful that I've had a pretty mellow pregnancy.  Some people aren't so lucky. I like to think its because Eli wants a brother or a sister down the line and he knows his dad is more likely to make that happen now that this one has been "easier" than those of other people around him at work.

When I tell people at work that my baby is due on Friday they look at me like I'm a mad crazy woman for still coming to work everyday... But for the most part I just sit at work and do things on a computer, so I would much rather sit there and wait then at home and know its one less day I'll get to spend with him before I have to go back to work.  

My sister called me up earlier in the week when I posted my week 39 photo because she was shocked at how wide I was -- in her words, "you look like your going to topple forward -- but its like only in your belly! The rest of you looks great!" -- (which is an actual compliment from my sister in some way...)

But its all about "photo" angles. I have some pictures where I look just like a big fat bloated bus because I'm "looking down" at the camera which is a bad angle for anyone let alone the almost full term pregnant lady :) But I'm okay with those "bad" photos too because pregnancy isn't always that glamorous... I just won't post those ones on facebook or my blog :)

2 days to go!

Monday, March 23, 2015

Mortgage Update: March 2015

Principle paid down: $338.03
Interest: $331.93
Additional Principle: $0.00
New Balance: $105,880.60

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 $14,119.40 in equity...

Leaving us a profit of $11,827.26 after 5 yrs & 6 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 $3,241.01 to live in our condo, instead of $5,214.00 to live in the apartment.
  • Mortgage: $2,355.82 (P&I, property taxes)
  • Extra Mortgage Principle: $0.19
  • HOA: $885.00
 For a total savings of: $1,972.99

Friday, March 20, 2015

My husband is awesome

So the other day after I "vented" to you wonderful strangers (Its amazing how much better you feel just by typing out your feelings sometimes....) I came home and my husband was already scrubbing the tub...

without me asking....

and he not only made us dinner for the night... he didn't even ask me to help. I got to sit on my duffer and pet the dog and relax on the couch.

I knew I had to come clean so I told him I vented on the blog a little that morning about needing help and he just chuckled and agreed that he could tell I was having a rough morning that day.

I love him.

Wednesday, March 18, 2015

This just feels like the longest week...

I'm getting worn out. This post is going to be a vent and I just need it... so if your looking for uplifting happy things, just scroll down and look at his cute room instead....

I have 9 days left until his due date, but my body isn't showing any signs that he's coming out and i'm starting to get depressed over the idea of an April baby and me getting bigger... especially since we have had this horrible heat wave the past 4 days :( and i'm swollen and I feel like a bus....

That and I have been acting like a "normal" person and not super me the last couple of days in an effort to take it easy... which means I keep asking South County Boy to either help me do things like dinner (which means we haven't really been cooking because he won't cook one of my recipes and looks for an easy way out)... or I'm having to relying on him to do the basics (like laundry and cleaning the bathroom)...  and it hasn't happened.

Now he "did" laundry on Saturday... but its still in all the baskets...  which really gets under my skin because its a huge pet peeve of mine and I hate pulling out wrinkled clothes every morning because I already feel like a big fat cow, and then to put on wrinkled clothes and not be able to take a bath because the tub needs to be cleaned and I can't do it because of the cleaners and the bending over just makes for a bad Wednesday morning. This after the week where we bought 3 more laundry baskets so each "person" will have their own "clean basket" so he can sort the laundry into piles when he pulls it out of the dryer because he knows only my stuff "needs" to go away... and it still didn't happen. Its still in the basket and it will take him 5 minutes to put it away...

My problem is I don't want to bug and nag him because I know he's excited to meet his son and is just trying to keep things together... and he's not used to being me and him and the mess and the other stuff doesn't bug him like it affects me but I can't function in chaos... It depresses me... but I don't want to be the wife who nags her husband either because I'm chock full of hormones and it will turn into a cry fest where he will feel guilty and then I'll feel guilty and then we will just sit with one another and feel better comforting the other...  but then nothing will get done around the house and it will be a cycle of rinse and repeat with more tears and frustrations....

At the same time, I feel like its my fault too because on Monday, I actually enjoyed my day off from work (because, yes, I'm still working 40 hours a week with a crazy woman boss who doesn't get that i'm 10 months pregnant and wants me to not only train people to do my job while i'm gone, but to do my job 4 months out because she can't function without me)....  so on Monday, I decided to relax...

Sure, I still cleaned the kitchen, unloaded and reloaded the dishwasher, vacuumed the house, finished making my husband's hobbes hat for the hospital, went to lunch with two friends, went to my doctors appointment and then put my feet up for 2 TV shows because it was 90 degrees out... But because I didn't make bread, go grocery shopping, or put a meal on the table and a few other things everything is out of wack for this week...

Monday, March 16, 2015

Baby Room Tour :)

I've still got my glider in our bedroom and Eli has a swing and a rock n' play in the living room for the time being.... along with his changing table, but South County Boy finished up our little guys room! We saved some of the banners from my work baby shower to put up on his walls for the moment so they weren't so bare and uninviting.

He gets to rock the teddy bear bed sheets :)

We put up a little toy bag on the other wall, but we'll need
to space it out a bit more so they don't hang down so low.

View from the hall way :) his extra clothes
are all vacuum sealed under his bed by size
everything under 6 months is in his wardrobe.
We can also fit a clothes hamper on the
other side of his crib.

My hubby put in 2 corner shelves near the switches for his sound
machine and a couple of little decorations (including the cool
name his brother made for our son).
 11 days to go!

Friday, March 13, 2015

I has the best co-workers ever :)

My co-workers gave me a baby shower for our little bundle last week and we are still standing in awe of their generosity.

Between the shower my sister through for me and the gifts and the gift cards from my work shower, we are basically all stocked up and ready to go with essentials and we still have $120 in gift cards for after he is here and we have a better idea of what he will need based on how delivery goes and if he is allergic or sensitive to certain things.

We didn't go crazy with every baby item out under the son, but we were able to get a few perk items that will make life so much easier for me during my maternity leave.

Other than paying for some items for our hospital bag and some nursing bras that we bought this month in a big trip to Walmart, we haven't had to spend a lot of money on our little one because there have been so many generous friends and family members who have blessed us with hand me downs and gifts...

Its such a wonderful feeling to know how well our baby is loved by everyone :) it's truly touching :)

We even saved 2 of the banners from the shower to hang in his room since they are Calvin and Hobbes :)

14 days to go.

Wednesday, March 11, 2015

More free Money!

We got our Costco Rewards AMX check in the mail to the tune of $296.84. We happily spent the money back at Costco marking our first 2 cart purchase of our married existence...

What did we buy?

We decided to stock up on some food... and easy to prepare/already prepped items to make transitioning from a family of 2 to a family of 3 easier come meal time... and a ton of disposable plates, cups, etc so we won't have to do dishes for a while with the new baby.

  • $114.16 on food and groceries...
    • Organic Natures Path Granola, 2 boxes of frozen chicken sandwiches, Fiber one granola bars, 1 box of frozen tilapia, organic ground beef, 2 jars of natural raspberry spread/Jam, 2 pack of chunky peanut butter, 2 pack of cooked chicken breast strips, double box of honeynut chex cereal, bananas, sharp cheddar block and a thing of California rolls for hubby's lunch that day.
  • $11.99 on OTC allergy pills
  • $169.13 on paper goods and once a year items.
    • Kitchen sponges, disposable cutlery, disposable bowls, 2 boxes of the gallon freezer sized zip-locks (8 total), 1 box of the quart sized freezer zip-locks (4 total), red solo cups, TP, Venus razors, deodorant 6 pack, disposable plates.
All of that was covered under our rebate check and we now have a full freezer of food for when the baby arrives and no dishes to worry about cleaning!

But that's not how we filled two Costco carts. We spent $287.16 of SCB profit share check getting the following:
  • 6 pack of canned air for computer cleaning: $19.10
  • Exrgen Temporal thermometer: $32.07
  • New office chair: $86.39
  • New Camera and Memory Card: $151.16
We wanted a simple camera before the baby arrived and since we have never actually purchased a chair for our computer desk, we found a really comfortable non leather one that breathes so you don't stick to it when its hot... and we can actually raise the arm rests and push the chair in and walk by it if the bed isn't up! I'm in love with it already and its made pregnancy more comfortable :)