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Archive for January, 2014

Auto Loan Deteriorating!

January 25th, 2014 at 10:12 am

The Auto Loan regular payment posted yesterday and bring it down to:

Regular Payment: $321.70
Amount to Interest: $6.12
Principle: $315.58
Total Remaining: $1,647.64

Loan Details:
2010 Honda Civic LX 4 Door Sedan
Loan Origination Date: 12/2011 $14,300
Loan Length: 48 Months

Currently at month 26 of loan, therefore, we are 22 months ahead!!

Will be paid off by month 30 (at most!), or 1.5 years (at least) early!

It's that time again...

January 21st, 2014 at 11:56 am

...the time of year I get a letter ready to send to Wells Fargo Home Mortgage Escrow Division. Our property is split, City and Town, our taxes are as follows:

City Property Tax
City School Tax
Town Property Tax
Town School Tax

How they are paid out of escrow:

City Property Tax - Quarterly Installments
City School Tax - Bi-Annually Payments
Town Property Tax - Paid in Full
Town School Tax - Paid in Full

The only one I have an issue with every year is the City Property Tax disbursement, as the City charges an installment fee to pay in such manner. The first year they gave me no problems, the second and third years they gave me a bunch of bull, but in the end, I've always gotten it back. In my opinion, I should not have to ask every year; either they pay in full or they automatically refund my money!

This year it will be $33.06.

Gas and Electric Bill

January 14th, 2014 at 10:39 am

We are budget billed on our gas and electric provider, still using less than previous owner as our budget bill was set-up using their average 12 months. We pay the budget amount every month, but the meters are read every two months.

I logged on our account and noticed the meter has been read, and I compared it to same time last year:

Electric:
2014/01/10 703kWH $139.76
2013/01/09 731kWH $137.64

**Average daily cost for billing period was $2.1838/ day.
**Average cost of energy purchased was $0.06605/ kWH.

Gas:
2014/01/10 226CCF $314.09
2013/01/09 232CCF $320.02

**Average daily cost for billing period was $4.9077/ day.
**Average cost of energy purchased was $0.56027/ CCF.

Using less, however, obviously, it appears electric was cheaper the previous year for the same period.

In addition, it appears we could have done even better in the gas department if it wasn't for the Polar Vortex!

Saving Money

January 12th, 2014 at 04:50 pm

DW surprised me the other day and mentioned she signed up for a a Chase Freedom card with $200 bonus after spending $500! I had mentioned it two months ago to her, but thought she forgot, but she surprised me! How the spend went down in one weekend:

1. $110 in medical expenses. 100% reimbursed from employer, already received the checks and deposited.

2. $55 auto maintenance. Oil change and NYS yearly inspection for DW's car.

3. $210 for a book for one of my classes. The other class book was purchased last semester and is used again. 100% reimbursable from my employer under tuition reimbursement.

4. Now we came across an App a couple weeks ago called Boxed. It is very similar to our Sam's Club, BJ's, but we never renewed our Sam's club membership as we only went twice a year for bulk paper goods, and I hated how you had to pay a membership fee and could not use a our Visa Card as credit, only debit. Well Boxed doesn't have everything as the Sam's Club, prices are pretty much identical, but has everything we need or would buy, plus it is a new App, adding items almost daily. We figured we were really low on all those items so we gave it a try. We figured we had no other large regular expenses coming up to use the card, so we put together a $200.05 order. With that being said, we effectively paid $0.05 for the whole order, most likely none as the other items above will equal more than $0.05 in rewards! In addition, it was free shipping on orders over $75, and will be arriving in two business days!

Of course once the statement closes and points are awarded, we will take the $200 statement credit and pay the remainder in full!

Mortgage and Auto Loan Get a Happy New Year!

January 1st, 2014 at 06:56 am

Sent $115.00 extra to mortgage principal and $275 extra to auto loan principal!

Both 'thousand place' digits changed, even though it was intentional! Haha!

Sitting at:

Mortgage - $167,998.42
Auto Loan - $1,994.11

In addition, the 'ten thousand' digit changed on our total debt, which is just the two added together, also intentional, which is why I took advantage of this whole "unique" situation!

Total Debt - $169,992.53

Happy New Year!