Latestart's Personal Finance Blog

I read the blogs however I forget to blog.

My net worth has been increasing and debt has been decreasing.

I went on vacation.  Ended up getting ill.  Somewhere along the way I came down with Covid. I rarely get sick or take time off because I am sick..  I missed 2 full days.  Just starting to feel normal just no engergy.  

Have not checked in lately.

Currently my retirement is above 200,000.00.  Hoping it stays that way.

I have paid pff my Helco.  At this time my only debt is my mortage of 48,264.44.

Current net worth is 279,384.55 

Not much going on.  Still payig down debt and contributing to retirement. 

I had a few days off at the beginning of this week.  Did little day trips with my sister.  Visited some cousins.  Did a lot of walking.

Still contributing to retirement funds although it is tough watching the total value go down.  Working on paying down debt and saving a bit outside of retirement.

Wow I did not realize I have not posted since April.

Just plugging along paying down debt and saving for retirement.

My car is paid off.  Just had the brakes fixed.  So happy I was able to cover the amount with my car repair/replacement fund.  

Going to have a short stacation in September  It will just be nice to have a few days away from work.

I finally filed my taxes.  I am such a procrastinator.  

Just working on paying down debt and saving for retirement.

Not much going on in my life.  Just plugging along paying down debt little by little.  Saving a few dollars and adding to 401 k and roth Ira.

Just plugging along.  Glad retirement balance went up this month.  Net worth increased by over 10,000.00 in the month of January.  Working on paying down debt and saving for retirement.  

Happy New Year.

My new worth in 2022 went down by around 20,400.  Hoping this trend will turn around in 2023.

Merry Christmas to all my Saving's Advice Family and have a Super Sunday to those who do not celebrate. 

It is very cold with some snow.  Hard to figure out how much snow actually fell since there has been much blowing of snow.

I have been busy learning my new job.

There is a lot to learn.  

Still plugging away at debt and trying to save more for retirement.

I have been unhappy at my job for some time.  I have found a new position and will be starting on September 12.  I will be taking an overnight trip with my sister between jobs.

Yesterday was my birthday.  My DF and I took a short out of town trip  Just plugging along.  

Wow cannot believe I never entered my June update.  

Hit all three goals for June.

Late in month to post July goals.  My steps have been down lately.  

Went on my first job interview in over 11 years.  Did not get the job.  Will keep looking.

Hit step and water goal.  Weight remained the same.  Missed debt payoff amount by around 6.00.

June goals. Net worth up about 700.00 since April 30th.

Step 225,000.

Average 45 ounces of water a day.

Payoff 585.00 of debt.

Lose 2 pounds.

Lowered debt payoff amount because I am cutting back on the extra amount I pay on one of the debts to put those funds towards the new tires I need.

Refridgerator was delivered on time.  Slowly refilling the refridgeraor and freezer since all the food had to be thrown out.

Work has been crazy busy.  Many changes.  Having difficulty figuring out which project to work on.  As much as I dislike looking for a new job it might be time.  

Well my refridgerator is not working.  New one will hopefully be delivered on Wednesday.  Will be an interesting few days.  

I do not really celebrate Mother's day.  I have no children and my Mother passed away on Mother's day. Happy Mother's day to all the Mothers and Grandmothers.

Glad it is May.  April was just not a good month.   

Many changes happening at work.  As much as I hate job hunting it might be time.  

Net worth is down over 19,000.00 since the begining of the year.  Most of this is due to stock market.  Hope the slide stops soon.  I will work on what I can control like paying down debt.

How did I do on April goals.

Hit step and water goal.

Missed debt payoff by less than $2.00

Missed weight loss goal, but moved in correct direction.

May goals

Step goal 232,500

Average 44 ounces of water a day.

Lose 2 pounds.

pay down another 600.00 of debt. 

Life will never be the same.  My brother-in-law died suddenly Wednesday night.  My heart is broken.  I cannot imagine the pain my sister and her children (boys 24 and 21) are feeling.  

March Goals:

March goals

1. Pay down debt by 570.00 

2. Check in 2 times

3. Average 40 ounces of water a day

4. Step count of 210,000

5. Maintain weight

Failed on the check in twice.

April Goals

1. Pay down debt by $600.00

2. Check in 2 times

3. Average 42 ounces of water a day

4. Step count of 215,000

5.  Loose 2 pounds 

I have been out of sorts for quite a while.  Today is the anniversary of my dad's death.  Just trying to chug along.

Here were my February goals:

1. Pay down debt by 560.00 - hit

2. Check in at least 2 times - missed

3. Average 35 ounces of water/decaffinated tea. Hit

4. Step count of 192,000. Hit

5. Maintain weight.  Missed

March goals

1. Pay down debt by 570.00 

2. Check in 2 times

3. Average 40 ounces of water a day

4. Step count of 210,000

5. Maintain weight

Not much going on in my world.  I had my last physical therpy appointment this week.  Arm is progressing however I still have to do exercise everyday.  

Here were my January goals:

1. Pay down debt by 550.00 - completed

2. Check in at twice a month - failed

3. Average 30 ounces of water/decaffinated tea - completed

4. Step count of at least 201,500.- Completed 

5. No weight gain.  Possibly lose a pound or two.  - Completed

Goals for February

1. Pay down debt by 560.00

2. Check in at least 2 times

3. Average 35 ounces of water/decaffinated tea.

4. Step count of 192,000.

5. Maintain weight.

Not much going on in my life. Just plugging along.  

I have not posted much.  I looked back at my goals for 2021 and I did not meet most goals. Did hit the debt goal.

Did get my booster shot on December 10th.  Only reaction was a need for a nap.

My arm is still making slow progress,  Have a couple more PT appointments.  

I am using  monthly goals this year.

Here are my January goals

1. Pay down debt by 550.00

2. Check in at twice a month

3. Average 30 ounces of water/decaffinated tea

4. Step count of at least 201,500.

5. No weight gain.  Possibly lose a pound or two.

Happy New Year Everyone.

The healing of my arm is going slower than I would like.  Well I guess that is part of getting older.  

My days consist of working, having PT appointments twice a week and doing home PT exercises.  I live such the exciting life.   Oh well it could be worse.  I think I making slow progress.

Yesterday was my birthday  Before I broke my arm I had planned to take Thursday and Friday off.  Since I can only work 4 hours a day and feel like I am getting further behind I decided to work Friday. 

 I am doing my home PT exercised at least 3 times a day.  That is one of the reasons it will be hard for me to work a full day.  I need to have at least 2 hours preferably 3 between sets.  It I work a full day it will be hard to space out the workouts.  The comprimise might be to do some work from home in the evening.

I am coming into my busiest time of year.  I see the surgeon on August 24th.  Hope to hear there is no issue with me driving and perhaps working 5 hours a day and I can do the other 2 at home.  I am only supposed to work 7 hour days. 

Long time between posting.  Near the end of June Itripped and broke my dominant arm. The arm needed to be surgically repaired. I had surgery on July 14th, I am currently working half days.  I just do not have the energy to work full time,  

Just plugging along paying down debt and saving a little for retiremet.

I got my second Pfizer vaccine on Satuday.  Had a headache almost immediately after receiving vaccination. Sunday had a low grade fever all day.  Took some Tylenol Sunday before bed and work up feeling good this morning.

Unfortunately one of the plans I had for two weeks after the vaccination will not happen.  I had planned to watch a movie my cousin sent me of my aunts and gradparents with my dad.  He passed away Friday. 

Not much going on.  Work is as stressfull as ever.  I am working on adjusting my attitude stay in the moment and not let my mind wander into all the what ifs.  

Debt repayment is on track to hit yearly goal.  Net worth is continuing to move up.

Weight loss is not going as well as I would like.  However hoping to work on this in the upcoming month.

I really do not have much to say.   This will be my one and only entry this monthl  Will have to try for 3 next month if I want to average 2 a month.

My debts are going down slowly.  Net Worth going up slowly. 

Just plugging along.  I have been going into the office most days.   I work better in my office than I do at home. I will work from home if the weather is questionable.