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Progress on May debt goal, etc.

May 1st, 2015 at 03:48 pm

The UK mortgage payments and our 0% credit card payment hit.
UK1: $223 to principal
UK2: $48
UK3: $50
CC: $104

All told, that's $424 down, $76 to go on the May debt goal. I underestimated what our minimum payments would be this month, so we'll easily surpass that with the student loan payments at the end of the month.

NT's had a stomach bug for a couple days, so I don't think anything's been done about the $900 we owe the UK management company for the additional renovation expense. We should figure it out soon, because we don't want the renovation to be held up. Our only two options are to ask his mum for money or ask the management company if they can wait a week or two (whenever AS receives some more freelance income) and then wire it over once we have the funds.

I guess a third option would be to take out some reserve line funds in the US and wire it over, but at the 29% interest rate, I really want to avoid that if possible.

No sign of our Noodles yet. Frown We have signs up around the neighborhood, and NT looks for him at least twice a day.

I had a follow-up budget meeting with my second friend I'm helping. She was unable to stick to the plan we laid out, so she's going to try cash only for her fun money and see if that helps her control her spending. She's also got some homework; to apply to have her student loan payments lowered now that she's single, check on her credit card interest rates, and see if she can put her gym membership on hold without penalty. I've also added a weekly reminder to check in with her to my calendar because she says being accountable to someone might help.

Yesterday was payday. I managed to pay off $2000 of the reserve line funds I borrowed, so there's just $1850 left, plus some interest. I'm using the money that's usually there because we're ahead on our bills; I still need to get escrow and property tax money back from the duplex refi in order for it all to work out. I just emailed our broker to make sure he's on top of it.

In good news, the condo mortgage company found my funds and applied them to that mortgage, so it's gone. I just checked the original duplex mortgage and it's also paid off. So, even though everything still feels chaotic, things are still moving along. I thought May would be the month I started to find out what the new normal felt like, but now I'm thinking it'll be more like June. Oh well. Getting there!

5 Responses to “Progress on May debt goal, etc.”

  1. snafu Says:

    I admire your ability to track all these avenues in income and disbursements, keep so many balls up in the air at the same time and added pressure of missing pet. Hat's off to you, I'm frozen in limbo trying to figure out how to manage furniture outside, hourly guys ripping out carpet on three levels, ordering the correct amount of new flooring, getting it delivered when needed and getting a team to lay the new flooring I desire.

    I totally do not have a place to store 2K board feet of hardwood, can't stop rain and feel flummoxed at every step in the process.

  2. ceejay74 Says:

    Thanks...I am seriously burnt out, but trying to keep it all together until things get sorted. I don't know what to do about the inspection and the "basement unit" issue. I want to just turn that over to NT and AS and let them and our downstairs neighbors decide. I'm ready to start offloading some of the money management responsibilities.

  3. FrugalTexan75 Says:

    I hope Noodles turns up really soon!

  4. kashi Says:

    I really hope Noodles turns up soon! Did you have him microchipped? If so, did you change the microchip address after you moved? You might want to let nearby animal humane societies and pet rescues know too.

  5. ceejay74 Says:

    Thanks guys. We (stupidly) didn't get him microchipped when we moved here, even though the new cat is chipped. He was taking ages to even get up the courage to go onto the porches, so we thought we had time. But he is licensed and has a tag on his collar.

    We've posted on several shelters' websites (including Animal Control) and lost-pet Facebook pages, and on Craigslist. We also check "found cat" listings in all those places every day or two.

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