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A blog to help me document my journey out of debt.Ceejay74's Personal Finance Blog
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Financial impacts of COVID (good & bad)

May 12th, 2020 at 10:55 pm

Hey, have you heard about this pandemic thing? :-)

The weirdest thing about this whole thing is that more than anything in my lifetime -- more than the great recession, more than the tsunami a few years ago, more than even 9/11 -- I know nearly every person in the world is affected by and thinks about COVID-19 nearly every day. We're all having the same moment in history, but every person's situation is slightly different. So all I can really comment on is how it affects me personally.

Mentally and physically, that's a whole story on its own; it's taking its toll of course. I'm just going to focus on all the financial things that have changed for me since early March when this really hit my world.

The bad:

- Salary. NT has been given a small temporary pay cut, equivalent to last year's pay raise, but other than that our incomes remain miraculously intact. We're all working from home at our office jobs. (AS has had her lowest 6 weeks of income ever, weirdly, since she started being an independent contractor, but it has nothing to do with the pandemic. She just got paid early for a bunch of things in the first quarter and is working on a lot of things now that she either already got paid for or will get paid for later.)

- Groceries. The schools used to provide 3 or 4 lunches per week for the girls, plus breakfast and snacks if they needed them, so our grocery bill has gone up. Liquor store spending has increased too, but that's mainly because we used to drink at shows etc. and that got calculated differently. I don't think we're drinking more than before; in fact it might be a little less for me at least.

- Technology. When it became clear the kids would be distance learning for a while, we decided we couldn't take turns on our computers forever, so we bought them each a refurbished Chromebook. Not a huge expense but one we wouldn't have made for a couple years, probably.

- Dependent care flex spending. We allocated $5K pretax for child care that was going to be used for summer camps/care. Well, the first summer camp has just notified us that it won't be happening this year, and we expect some or all of them to follow suit. Well, I've already had nearly $1700 withheld from my paychecks, and the current policy is that the money is use it or lose it. So unless I find a workaround, I might lose it. Two possible solutions: 1) I wonder if my old daycare lady, who is one of the most cleanliness-focused people I know, would take two older kids for a week or two. It'd give everyone in the house a much needed break and I could use some of my use-it-or-lose-it money. I may check with her at some point. 2) I heard from a co-worker that I could potentially move that money into my medical flex spending account. We haven't exhausted our current flex spending but it's possible we could over the course of the year, plus I believe you can carry over a few hundred into next year. We'll see.

- The UK flat. Early this year (January or February), we decided that Brexit had settled down enough to list our flat for sale, so our management company gave our renters notice. Little did we know what was about to take over. This is the last month they'll be paying rent, but our estate agents aren't allowed to do viewings, so our place is essentially sitting on the market. If we don't sell it soon, we'll have to start covering mortgage payments, utilities and association dues out of savings. We asked for advice and our management company said they could list it for rent simultaneous with it being for sale, so we're going for that. We have enough money in UK savings to cover expenses for probably a couple years, but hopefully it won't come to that!

The good:

- Regular house expenses. Since we can't really use them, we've been saving money on bus passes, carshares, ride-sharing and house-cleaning. I haven't stopped my bus pass being taken out of my paycheck, A) because it's a pain to stop and start it and B) it's a relatively small expense that supports our public transit system, but NT, AS and the kids haven't needed bus passes in a while. Most of those were reimbursed by NT's work so it's not much of a savings. The house cleaning was over $200 per month, so that has been more of a benefit to us.

- Stimulus money. Obviously that's been a benefit to us. We decided since we didn't really need it, we'd spread it around. So we've spent most of it helping nonprofits, artists, local and small businesses, etc. Some of it benefits us, such as local restaurant delivery, CDs, and gift cards to places we intend to go back to when they reopen, but some of it is just benefiting society as a whole. But anyway, it's made it easy to make the decision to give back to the community.

- Going out/shows. I had quite a few shows booked that were canceled, and I got most of them refunded. A few I had them keep the money for when the show got hopefully rescheduled, and a couple I donated the amount to the venue or artist. So I didn't see a big material benefit but I suppose I saved some money. (even though I'd much rather have the shows!)

- Child care. Once I realized summer camps would likely not happen, I canceled the remainder of my dependent care flex spending contributions. That will bring about $3300 (pretax, so less than that once it's taxed) back into our budget for the year. And if I do find summer care options, I have the $1700 set aside, which I'm no longer counting on getting back, so that will feel like something extra for free at this point.

The chaotic/confusing

- Travel. I booked 4 air trips and one road trip in February; two have been canceled and the other three are severely in doubt. For the one air trip I had to cancel so far, the airline had a deal where I got a credit I can use for two years. I'm wondering if I can get actual refunds if others are canceled. I'm not sure, but I guess even if I can't, they'll probably give us credits we can use later, so when travel is eventually allowed again, we'd be able to book a few trips using credits. So it hasn't helped our current cash flow but it may make vacations a lot cheaper next year if all these get canceled. (One was a trip to England for about $5K, the others were smaller/cheaper trips.)

- Summer camps/care. We do a thing where we use five different places to provide summer care, which gives the kids a lot of variety and keeps them from getting bored. However it's thrown planning (both money and logistics) into chaos.
*One place has canceled camps outright -- they're offering online courses but not for entire weeks, of course. We're getting a refund from that.
*Another is taking a wait-and-see approach for now -- they may try to go on or go virtual, but they're not making decisions and not requiring parents to make decisions yet.
*Another place is going to try and go on but with current social distancing guidelines, need people to commit to 9 straight weeks or nothing. We had signed up for weeks here and there. We have travel in the middle of the summer that we're not sure is getting canceled. We have weeks at other camps that we're not sure are getting canceled. They want us to make this decision by Monday, but there are so many other things in play it feels impossible! But we have to -- if we want our money back we need to cancel by the 18th, if we want the 9-week thing we need to sign up by the 18th. The kicker is of course, there's some chance the state will say no summer camps allowed at all, and all this scrambling will be for nothing.
*We're still waiting to hear from two more camps and trying to decide about travel booked in July and August.

There are so many big and little impacts but those are the main financial ones I can think of right now.

April & May 2020 debt payments

May 11th, 2020 at 07:12 pm

I only got halfway through recording my April payments last month, so my spreadsheet was mixed up and I couldn't tell what I'd recorded. So I'm just going by March debt totals to see how much we paid in April and May combined.

US Mortgage: $1,541
UK 1: $378
UK 2: $80
UK 3: $84

In total, we paid $2,083 of debt in April and May.

Current household debt:
US Mortgage $370,357
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,311
UK Mortgage 2 $5,968
UK Mortgage 3 $6,285
---
TOTAL DEBT $419,921

April 2020 net worth update

May 1st, 2020 at 03:36 am

Wow, I see that for the first time...ever? I forgot to record my debt payments for the month. Oh well. I'll do two months' worth when I do May's mortgage payments. If I even remember to. Heh. Time is weird these days.

Anyway, let me do my net worth update before I forget THAT too!

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,254
NT's Roth IRA: $39,397
AS's trad. IRA: $19,582
AS's Roth IRA: $58,914
AS's SEP IRA: $42,088
CJ's 401(k): $126,862
CJ's Roth IRA: $43,474
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,124,735

Debts:
US Mortgage $371,129
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,503
UK Mortgage 2 $6,048
UK Mortgage 3 $6,369
---
TOTAL DEBT $421,049

Current Estimated Net Worth: $703,686

March 2020 estimate: $671,958

Change in net worth: +$31,728

Summary: We lost $85K total value in February and March, and gained almost $32K here, so we're about $53K off from our pre-pandemic high.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

March 2020 net worth update

April 1st, 2020 at 03:31 pm

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $75,245
NT's Roth IRA: $35,213
AS's trad. IRA: $17,852
AS's Roth IRA: $52,913
AS's SEP IRA: $34,803
CJ's 401(k): $126,862
CJ's Roth IRA: $38,910
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,093,962

Debts:
US Mortgage $371,898
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,689
UK Mortgage 2 $6,048
UK Mortgage 3 $6,369
---
TOTAL DEBT $422,004

Current Estimated Net Worth: $671,958

February 2020 estimate: $726,548

Change in net worth: -$54,590

Summary: Last month we lost $31K, $54K this month, $85K total so far. We're about where we were last May. Repeating my mantra: buying low, buying low, buying low...

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

March 2020 debt payments

March 9th, 2020 at 05:28 pm

A little late reporting this; March is birthday madness in our family and we had three birthdays this past week -- which equalled three nights of family celebrations and three friend parties, so six nights of celebrating over eight nights! Oh, and one was a sleepover, so technically we partied seven out of the past nine days. Super glad the next birthday-related activity isn't for a couple weeks so we can all recover!

All our mortgage payments hit:
US Mortgage: $767 to principal
UK Mortgage 1: $185
UK Mortgage 2: $38
UK Mortgage 3: $41

That's $1,031 total put toward debt this month.

Current debt totals:

US Mortgage $371,898
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,689
UK Mortgage 2 $6,048
UK Mortgage 3 $6,369

TOTAL DEBT $422,004

February 2020 net worth update

March 2nd, 2020 at 05:19 am

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,905
NT's Roth IRA: $40,104
AS's trad. IRA: $20,412
AS's Roth IRA: $60,498
AS's SEP IRA: $40,131
CJ's 401(k): $149,001
CJ's Roth IRA: $44,368
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,149,583

Debts:
US Mortgage $372,665
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,874
UK Mortgage 2 $6,086
UK Mortgage 3 $6,410
---
TOTAL DEBT $423,035

Current Estimated Net Worth: $726,548

January 2020 estimate: $757,758

Change in net worth: -$31,210

Summary: Considering the news about the Dow crash and everything, I guess it's good that I've only lost about two and a half months' worth of gains. Will be buying low, buying low, buying low...

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

Vacation spending

February 19th, 2020 at 08:11 pm

We took a short trip to Atlanta this past weekend; the kids had a couple days off work, and we wanted to get a break from the cold and snow. It was only in the 50s and a bit gloomy there, but that felt heavenly to us!

Here's the spending totals for a four-day trip (left Friday night, came back Tuesday afternoon). Travel can really add up for a family of five!
Airfare: $994
Lodging: $655
Checked luggage: $60
Taxis & rideshares: $284
Food & drinks: $947
Tickets (aquarium & music show): $231
Souvenirs & misc.: $223
TOTAL: $3,394

I had a little sticker shock at food and drinks coming to nearly $950, but that basically amounts to $47 per person per day, and when you take into account that most midrange restaurants' entrees are priced around $15, not counting drinks, appetizers, desserts or tips, it starts to make sense! I'm just not used to it because we cook almost all our meals at home.

We just booked airfare and car for our next family trip, which is to UK in August. That came to $5,595, but doesn't include lodging (which NT's family is taking care of for us) nor food/drink/entertainment/gas.

So between the two trips that's $8989 of expenses so far! Nearly half of that was paid in cash; the other half I'm floating in the budget and will gradually make up with AS freelance income and other money that comes in. I'm pretty confident we'll be able to pay for it all without dipping into reno or other savings.

Got a raise/promotion! And general news catchup

February 7th, 2020 at 09:11 pm

As some of you know I've been applying for jobs because my current company was looking shaky, and I've also been contemplating going full-on freelance with AS.

Then a job was posted with my company for a position a half step up from mine. I decided to go for it. There was some confusion and delay, but finally this week I was told I'd gotten the promotion, along with a 10% raise!

I think my company is stabilizing; our results were OK the last quarter of 2019, plus they haven't been giving out promotions and raises for a while, so I take mine as a good sign. I'll still keep an eye on other options, but now I'm feeling better about my current company again.

I won't know my new take-home amount until 2/14. However, I went ahead and bumped up my 401(k) contribution by 1%, and did the same for NT's 401(k) and AS's SEP IRA.

That'll help with our retirement goal, which also gets more ambitious when one of us gets a raise!

Other news:

- We had another meeting with our kitchen designer and it seems like we're on the home stretch of finalizing the design. Once we're done, we can get a detailed quote from our contractor and see if/how much financing we'd need to complete it. Then decide how to handle that.

- We've engaged an estate agent in England and NT's flat will be going on the market soon. Asking price is going to start at 210,000 pounds. We still haven't decided what we'll do with the money if/when it sells; considering all options including U.S. rental property, investing in a stock portfolio, paying down our home mortgage, paying off the kitchen reno, and/or some combination of all that.

- We've started using a professional housecleaning service again, for the first time since we moved into the duplex. It's more expensive than the condo because the square footage is bigger, so we hesitated for a long time (about 6 years I guess!), but we finally concluded it was worth the expense. We are busy all the time and the house just wasn't getting cleaned very well or often. We've had one cleaning so far and it made such a difference!

- AS's freelance business is going exceedingly well, so she's started eliminating some lower-paying jobs and focusing on the most profitable clients.

I guess that's all on the financial front! Maybe I'll do a non-financial update at some point. Life's been busy, plenty of ups and downs but overall very good these days.

February 2020 debt payments

February 7th, 2020 at 08:56 pm

All our mortgages hit:

US: $765 to principal
UK1: $182
UK2: $39
UK3: $40

That's $1,026 toward debt this month!

New household debt balances:

US Mortgage $372,665
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,874
UK Mortgage 2 $6,086
UK Mortgage 3 $6,410

TOTAL DEBT $423,035