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Archive for April, 2016

Garbage disposal & bathroom faucets....

April 27th, 2016 at 06:39 pm

Almost done the budget for May. Some expenses we are looking to do in the house, replace the garbage disposal and fixing our bathroom faucet with new water lines. I found a handy man who live nearby (labor charge $225)...No DIY! I'm looking around $400 that include new garbage disposal & 4 waterlines replacement.
In June, our dog Yogi needs major teeth cleaning, (I mean he needs it bad) about $1100.00 Seems expensive so we are shopping around.

420 - MILESTONE!!!

April 21st, 2016 at 04:47 am

Yup...pretty exciting happened today. (Normally don't celebrate much) BUT

After updating all our accounts [total asset - liabilities]....we reached [$504,927.79 in Net Worth]. Its also the first time, our investment/retirements is more than our home value.

Its like being HIGH in the SKY TODAY! Woohoo!!


Loss 8 pounds; another 7 to go by Friday!

April 11th, 2016 at 02:43 am

We leave for San Diego trip Friday 3AM...(8-9 hour drive) So i'm just trying to squeezed as much pounds to lose before we hit the road. Run 5 miles this morning.

Its a short weekend trip but enough exposure we limit our expenses. Everything has been paid for except for gas. We rented a beach house with other friends, to help cut the cost & food. Our budget for this trip is $500. It was 8 years ago last time we were in San Diego..can't wait!!!

April's Progress Savings/Retirement

April 3rd, 2016 at 12:08 am

April is starting well. We fully funded my ROTH (Vanguard $5500) for 2016 & Xmas fund ($2500). The next phase of focus are retirements, car fund, savings/home renovation for the remainding year.

While we continue to add extra principal payment, we have severals big items coming up 1) our two dogs need teeth cleanings, 2) looking for a decent treadmill, 3) kitchen renovation. Not exactly sure how much this will cost, but we are hoping to cash flow most of the cost (once we have bidders), except the kitchen which we have set up fund on monthly basis. We need treadmill because of our allergy. I love running but on 'hot days' its tough to get outdoor. So we're hoping to find one soon. Our kitchen needs new garbage disposal and new dishwasher. But DW wants to redo the kitchen & the bathroom. Im guessing we need to tackle the kitchen first. Once we the know the cost and how much to spend, we can start funding it more aggressively, if necessary we can redirect the car fund to renovation fund.

We've been going back in forth for several weeks whether to increase my wife's 403(b) & 457 contributions. Right now it set up at 8%, but we finally decided to increase to 10%. Our goal this year is to sock away a total of $28,937.77, or 15% gross income, excluding our State & UC mandatory public pension contributions.

April's Savings:
1) Car Fund - $3,600
2) X-Mas Fund $2,500
3) 529 Plan - $400
4) Savings/Renovation $1,300

Retirement Contributions:
5) ROTH - $5,500
6) 457 Deferred - $4,000
7) 403b - $1,836.80
8) 457 UC - $282.40
9) CALPERS - $1,368.00
10) UC RET - $1,836.80

Contributions
Savings: $7,800.00
Retirements: $14,824.00

YTD Total Combined: $22,624.00