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Archive for February, 2014

Expensive Weekend (Partially by Choice)

February 24th, 2014 at 02:37 pm

This post isn't the most frugal post, something that I was hoping to put off for a bit longer, but was eventually going to do in the near future.

Our kitchen appliances, I've blogged slightly regarding these aging relics (a couple of them anyway) in the past, are being replaced.

Stove (Electric): Circa 1985, has been giving us issues since we purchased the home in 2010. We put some money in it to keep it going (replaced a few of the exposed burners), but when you are down to 3 out of 4 burners, things can get annoying. When you use the oven and the smoke detector goes off, things get annoying. I did a massive cleaning on it last year, but no avail to mitigate the issues. We are going to have delivery haul away.

Fridge: Circa 1998, has been making a funny loud noise at times for the past 3 years, cools and freezes well, not the most energy efficient, does not maximize and utilize the space well. We are going to attempt to sell on craigslist for around $150. If no go, our electric company will recycle and pay us $50 for it, as well as haul it away.

Dishwaher: Circa 1998, not the quietest model, cleans satisfactory if you rinse most food off dishes before placing them in. Will attempt to sell for $50 on craigslist.

Microwave (Over-the-Range): Circa 2008, not really anything wrong with it, obviously the newest appliance in the kitchen, but we will attempt to sell to family (a couple people interested) for $100.

Well that's the back story, the new story is expensive, and we only got mid-grade items.

Fridge: Samsung, Stainless Steel, we only had two options for the style we wanted for the space requirements. We ended up with a french door, bottom freezer model. Cost: $1,619.00!! Oh my!! Really!? Get this, it was the same cost as the next size up, only in America.

Stove (Electric): Samsung, Stainless Steel, nice 5 burner, flat top, convection. Lets see how the "steam clean" feature actually works, pretty skeptical. Cost: $967. Eh, not bad, but still pricey.

Dishwasher: Samsung, Stainless Steel, 6 cycles, hard food disposer (no filter to clean!), quiet 47dBs, stainless steel tub. Cost: $599.

Microwave: Samsung, typical over-the-range style, controls low on door for easier access, ceramic interior (same inside material as oven). Cost $319.

Total after before discounts and tax: $4,607.84
Total after tax and discounts: $3,857.84
- $220 Chase rewards
- $385 Reimbursement from work
- $300 C.U. Rewards
- $250 NYS Tax Refund
- $532 FED Tax Refund

= out-of-pocket $2,170.84

Not horrible considering, but $329.16 under budget ($2,500 budget) that we wanted to spend on them.

Escrow Frustration, It Has To Go!

February 18th, 2014 at 01:33 am

I've blogged before regarding how our mortgage escrow company pays our City property tax in Quarterly Installments, but the City charges an installment fee to utilize that method. I usually have to go through hoops to get them to reimburse me as it is not our problem or choice they do so. Well, yet again, 4th year in a row they continue to do their "normal" practice. I called them up and it wasn't pretty needless to say, I've had enough. They finally blamed it on the "tax authority" and gave me the contact info as according to them, the "tax authority" requests the taxes be paid in such manor. Well, it is our money in that account, not theirs, I say how the money is spent!

Anyway, I'm tired of it, the mortgage will be going quickly as humanly possible. We had already made a goal of at least $50/mo. toward the mortgage for 2014, we want to escrow ourselves, I am tired watching their every move like a hawk.

Extra payments so far this year:
Jan = $115.00
Feb = $165.00
Mar = $310+$750(tax refund)+$300(CU Cash Rewards)

Auto Loan Gone!

February 3rd, 2014 at 04:03 am

While all of my social network was posting and commenting on who the are going to bet on for the Super Bowl, we did something better, with guaranteed 'returns', used my "extra" paycheck and away it went, along with the auto loan!

The only debt we have is our Mortgage!

We officially own both vehicles:

2007 Honda Civic Si Sedan (PIF: 11/2011, 11 months early, on 60 month loan)
2010 Honda Civic LX Sedan (PIF: 2/2014, 22 months early, on 48 month loan)