Possible Saturday Job

January 6th 2009

I’ve mentioned before that my Aunt works for Jackson Hewitt. She does my taxes every year, and manages three separate Jackson Hewitt offices.

This year she’s pretty short-handed, and I’m thinking of asking if I can help out on Saturdays (and some Sundays, but not every Sunday). This would be a small extra income, and also get me some experience in the tax/financial bracket.

We’ll see what she says anyway. The extra income would be put towards my fathers loan so perhaps we can get the $5k paid off even sooner than September like I originally anticipated

Obviously I couldn’t work during the week, due to my current full-time job during the day, and my personal activities in the evening.

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Bank Logic

January 6th 2009

So I send two checks from the same account, in the same envelop to be deposited into my account. One to be deposited into my checking account, and the other into a savings account. The amounts are only $100 apart, and like I said, are from the same account.

However the one in my checking will clear on January 7th, but the one in my savings won’t clear until January 12th. The only real difference is that one is going into a checking and the other into a savings. Is there a reason the deposit would take longer into a savings?

Not that it affects my finances at all, I just find it odd that they were sent exactly the same way but one takes longer to reflect on my account.

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Man

January 5th 2009

Some people take hobbies way too seriously

Moving on.

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Horoscope for January 2009 - Start of the New Year

January 1st 2009

My first day of 2009 is being spent going through more boxes, shaking off the dust of 2008 and purging the unneeded items and energy of 2008. Not a bad way to ear-mark the first day of the year.

My natural living magazine that I got today reads my horoscope for January as:

“There are no limits to what you can do in 2009. Work gives way to play in February, when your heart may lead you in a most unusual direction. Strange romantic circumstances could manifest in a variety of ways. Be the fearless pioneer and carve a new path toward your personal destiny.”

And because I find it amusing, my father’s horoscope for January and February:

“Your orderly ways pay off big time in January, as you surf the wild waves of Mercury retrograde. You’re able to spot and anticipate communication glitches wherever they pop up. A magical Valentine’s Day may be in the cards. Use this time to rekindle and old romance or recharge a current one.”

Go dad go!

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The Great Tax Season of 2009

January 1st 2009

It is the start of my current favorite time of year…tax season. I’m surprisingly not being sarcastic here. To me, tax season is like the financial showdown of the year. You get to review how you’ve done for the year, and usually you get your tax money back that you’ve paid through the past year, and hopefully apply it to something that benefits you.

At least that’s how it is for us lower class americans. Upper class probably has less fun with this time of year.

This tax season will be slightly different for me, because I will probably be itemizing some items due to buying a house. Any interest I paid towards my mortgage can be written off in my taxes and considering the beginning of all mortgage payments are mostly interest anyway, this is a good thing. Apparently settlement fees can be written off as well.

I’ve never itemized before, so I’m not entirely sure what to expect. I’m hoping my Aunt can help walk me through the process since she’s the one that always does my taxes because she works at Jackson Hewitt.

I’ll also be writing off my Grove donations this year for the first time. Each year I make a monthly pledge to the Grove, and for 2008 I pledged to donate $30/month. I exceeded my goal, not by much, but I’m just happy to have met it given how this past year has gone. I haven’t quite figured out how it works, but I know I can also write off gas expenses driving to and from the Grove since I am an officer of the Grove. But how do you calculate something like that? I don’t put just enough gas in my car to drive to the Grove and back, I always fill my tank up. Do I have to do some crazy financial equation here that figures out how much I use every time I drive down and calculate that with how many times I actually did go down? I’ll have to talk with Will about that.

So a couple thousand in interest payments for the house, a small amount written off for the Grove, the $7500 first time home-buyers tax credit, and then my usual qualifications of head of the household and 1 dependent…. I’m predicting between $8-$10k back. Hopefully closer to the latter, but I don’t like getting my hopes up.

This money is allotted for:

• $5900 towards paying off the mustang, most likely less because I’ll be asking for a pay-off quote
• $300 towards paying off 3 more people who donated money towards our down payment
• $1500 towards my dads loan (or whatever is remaining up to $1300)
• And the remaining balance towards the final people who donated money towards our down payment.

With the car paid off, I will be adding $320/month towards my dads loan, for a total of $500/month payment (plus any extra money I get throughout the year) we’ll be using to snowball my dads loan. I suspect it to be completely gone in September, where I will change our snowball payment of $500/month to dads medical bills which (I believe) is only $1300, so that will be taken care of in December.

Once all those are clear, I alone will be putting my $320/month into the remaining down payment loan. I believe they have an ING account, so this will be an easy transfer. I don’t want dad to have to pay anymore debts, so he’ll be completely debt free at this time. Any tax money or excess money I get will go towards the down payment loan until it is gone, which I expect it to be fully paid off in 2010.

After that, all that is left is the mortgage in 2010. At that time I’ll be saving up at least 6 months worth of expenses into savings and enough money to buy my next car in cash. And slowly adding more and more to my mortgage payment so it’s paid off faster.

Some items I’m going to have to start preparing for taxes:

• Roth IRA Statement for the Year to show interest gained
• 401k Statement for the Year to show interest gained
• All of my ING Account statements for the year to show interest gained, though they deliver their own 1099 tax forms at the end of January (Total Interest: $186.87)
• W-2’s that I’ll get in February
• Bank account information (routing # + account #) for the direct deposit
• Settlement fee information for buying the house
• January mortgage statement to show interest paid in 2008 for writing off, as well as whatever form it is that the lenders send out that show this as well.
• Bring my own statement from Microsoft Money for all accounts, just in case there are any questions or additional things I can write-off that I don’t know about

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The Longest Year in Review I’ve Ever Done - 2008

December 31st 2008

December 2007: “He keeps a little pad of paper nearby with words on it that he’s asked me how to spell, so he can spell them again later.”
December of last year was actually rather stressful for me due to the Grove elections. There was a lot of drama surrounding the elections because someone who I thought was a friend and whom I always supported had started a campaign against any new people becoming Senior Druid. Instead they were adamant about only past Senior Druids becoming Senior Druid again. This only lit the fire under me more to run and prove them wrong. In addition to this, I found out a few select people thought if I did become Senior Druid, I would be more of a tyrant of the rules and regulations than anything else. Which I hope I’ve proven them wrong in the last year, despite my vigilance.

A quote from a restricted entry of my journal from January 2008:
“My problem is mainly with, if you fully devote yourself spiritually to a Grove or the vision of that Grove, it shouldn’t matter whether you are leadership. That shouldn’t be the deciding factor on whether or not you support or retain your membership.”

My father, however, had a very emotional Christmas, which I was able to capture on video to save for all time.

January 2008: “So tax season is upon us, and I expect a decent amount back in taxes. ”

January was spent doing a lot of reflections on my finances over the last 2 years. I did a lot of work on my genealogy, was supposed to work on a website for a famous percussionist which turned sour, and had an old account identity thefted which was fortunately caught before any damage was done. We also got a call from the lawyer for our old property that said they were definitely going to be selling it but that we had first dibs.

February 2008: “The Digerati Life asks How did you get interested in Personal Finance? *rolls up her sleeves*”

February was another month of financial fun with my tax return coming in, our washing machine going up and me purchasing a new one, the appraisal for the old house coming in at $200k, me refinancing my auto loan, and dad ending up in the emergency room for a bad allergic reaction.

I also attended the Washington and Baltimore Pagan Leadership Conference for the first time, and though I got to do some networking, was extremely bored.

March 2008: “So I got the prescription from the eye doctor, but they did not include the Pupil Distance, so I had to measure that myself (after much google searching to make sure I would be doing it correctly).”

March was somewhat stressful. My uncle had a bad chainsaw accident, and not long afterwards his wife had a major heart attack. I attended the Ecumenicon Conference and posted an unbiased and open review (not negative, mind you), and was openly blasted by the leader of the Conference for it. But March had it’s good moments as well as I started planning what to do with the upcoming Economic Stimulus, and I won an award at work for one of the websites I worked on at the Addy’s. I also got to spend time with the Vice Arch-Druid during his Southeastern tour of the ADF Groves. We were able to have a lot of good conversations and got to know each other on a more real level.

April 2008: “I received a reply to my offer on the house from the lawyer (I only called them Tuesday, so this is pretty quick).”

In April I made an offer of $100k for our house, hoping that they would accept since the house was condemned and the only thing of value being the land. I received an immediate reply of “No.” I then wrote a letter offering $150k. This is essentially when the games had begun, but I wouldn’t know how awful things would get until later.

We planted potatoes, I had a birthday cookout of steamed crabs and drumming with some of my closest friends, we killed a lot of rabbits. I attended the Trillium Festival and had a good time as always.

And I was told again that the lawyer could not go below $175k for our house, the nieces and nephews wouldn’t budge at all. But the lawyer also said they would not be doing anything to the house without talking to me first, which later I found out was a big fat lie.

May 2008: “Our technician just left from installing our Comcast Triple Play so we now have their phone service. Here’s to saving $400/year.”

May was busy with all sorts of things. I attended the Baltimore Herb Festival, I attended another Sweatlodge, I started preparing things financially for buying our house. I even broke a molar accidentally and had to get that fixed in June.

June 2008: “Many purchases these days are a waste. They are simply people buying things they don’t need with money they don’t have to impress people they don’t like.”

Very few good things about June. I taught a workshop on lazy environmentalism at the Grove, which went over well due to my smartass approach. I was also able to get some genealogy information from my mother, after struggling for so long to get -anything- from her. I also participated in a massage oil workshop and got to make my own oils, which turned out fantastic with a mixture of patchouli and vanilla.

The biggest thing, however, is receiving the eviction notice to be out in 30 days because the estate “hadn’t heard from us on whether we were interested in the property.” Despite them telling me earlier that they’d talk to me before doing anything. Hell I had already made plans to try and buy it for $175k.

July 2008: “If there was one fear in my life that was the most scary for me, it’s feeling like I can’t support myself or my father. And when that fear is abruptly shoved in your face, it’s like living a nightmare. And that’s what this is, a nightmare.”

This really encompassed the majority of my July. I mean I cried. I cried a lot for the first week. And almost instantly I buckled down and we moved an entire farm in 25 days. I was exhausted, my father was exhausted and created another ulcer on his leg due to all the moving. This month was the start of hell. I literally had to come to terms with my worst fear in life of not being able to support my father, and figure out a way around it (and did).

It was as if a switch had been turned off, and the house no longer felt like ours. It was strange to be around, strange to sleep in. And scary not to know where we’d be living.

We started looking at other houses after deciding not to waste the money on a condemned one. I didn’t bother telling the lawyer either, I let them figure it out on their own. They did eventually send people to do drive-by video tapings while we were moving. I sat there and watched them, the assholes. We plowed up all the crops because dad said he wasn’t leaving anything for those bastards. We took all the livestock to auction, except a select few we’ve been keeping at my uncles up in Orrtanna.

I sold one of my broken down trucks with a blown engine for $500 cash, which helped with the moving process, and my frustration with realtors began to grow. We moved in with my Aunt and lived out of suitcases for the next two months. I started making mortgage payments to myself so I could adjust my monthly finances accordingly (not to mention have 2 months mortgage payments saved up for emergencies).

August 2008: “Dad and I went to drive-by two cabins yesterday (since I can’t get my realtor to schedule anything.”

August was sort of a tease when a mysterious $25,000 got deposited into my bank account, which I later found out was just a bank error. I had all sorts of plans made up immediately with that money though, just in case. Most of the month was spent looking at houses and researching the mortgage and home-buying process. I learned -tons- over the next few weeks, and made sure to document it for other first time home-buyers to make it less scary. I also had to redo my 5-year plan to involve this new nightmare. We made a bid on our house and just in time as someone else bid the very next day, and at a higher amount.

September 2008: “Dad and I settled on the new house today. It was actually very painless, and the previous owners are super cool.”

During September I was feeling pretty comfortable with the whole housing ordeal. On the last day of the month we settled and the house was officially ours. We were getting used to living with my Aunt and my outlook on the whole situation really made a turn for the best. I got a raise at work and my dad and I were finally feeling settled down from the move, despite still being homeless.

October 2008: “I’ve noticed I’m more disoriented in the mornings now because my usual routine is different.”

October was spent getting settled into our new house. We unloaded our storage trailer, finally got beds and furniture, started getting utilities and bills set up at the new place. I was in awe at how much I love dishwashers now, and we started realizing how perfect everything came out after our tragedy. We couldn’t have found a more perfect place at a more perfect price. I was excited to make my first mortgage payment.

November 2008: “The weirdest thing I’ve noticed about the house that I’m having difficulty getting used to, is the space.”

November is when things started settling down and getting back to normal. We started working on the house by putting up a new chimney. We celebrated our first thanksgiving in the new house, and my sister started a job at 14 (and promptly quit the next day). The most amusing part was the old house started to decline in price below where I had originally offered. But we knew that we were much better off where we are now, still it doesn’t mean we’re not amused

Changes in 2008:

- In March 2008 I had made a blog post about how I wanted to break out of the Christmas Habit of spending lots of money on presents out of obligation. Though I forgot about this “desired experiment”, I did actually participate in it involuntarily since most of our christmas money was put on the down payment for the house. So I only had about half of what I usually do for Christmas in 2008, and though so far Christmas feels very satisfying, it does have somewhat of a sadness attached to it because I was not able to get some people gifts as I would have liked.

- In March I also talked about what I’d like to improve in my personal finance management, and out of the 4 things, I must say I’ve accomplished at least 3 of them. I do not do so many impulse buys anymore. I do pay all of my bills in advance that I can, car insurance being the main one. And I have reduced my monthly expenses to their absolute minimum (though I may re-evaluate this now that we have the house).

- I grew a lot this year, not really voluntarily. The thought of buying a house and everything was so intimidating and out of reach before. Having to buy one because you were about to be homeless is even scarier. Now it just doesn’t seem that bad at all, if you have the discipline to do it. And it really does take discipline, which I think is a good portion of the reason for the recent housing crisis. I know APR’s and predatory lending are a part of it as well, but I just have no sympathy for people who complain about trying to get by every paycheck, but eat carry-out and buy Ipods or video cameras or brand new cars. It really is just all about discipline to live below your means. It’s just that simple.

Plans in 2009:

- Pay off Car by March
- Really delve into the macrobiotic food and being healthier in general
- Go “gun ho” about paying off my dads loan by September or October
- Start teaching my sister more about personal finance
- Finish the Grove Membership Manual
- Put the MUD into Beta testing
- Complete more DIY projects to the house to save money
- Resist impulse buying more
- Cook a larger variety of meals at home (we already eat at home quite frequently, but don’t always have the supplies handy to try new things)
- Do more of the things I enjoy, and less of the things I don’t by cleaning up my todo list
- Invest in myself more, my skills and knowledge to make myself worth more
- One our debt are paid off, put my savings deposit back up to $400/month and increase our monthly mortgage payment
- Do more purging of items and selling off of things I didn’t get a chance to before the move, including my electric guitar and some jewelry
- Read more, which I’ve been improving on slowly
- Get back to our $200/month grocery budget for dad and myself
- Continue to surround myself with people that compliment my values in life, rather than drag me down. Continue to realize that I have every right to be picky about who I want in my life, and surround myself in excellence. “Show me your friends, I’ll show you your future”.

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Whatever

December 30th 2008

Give me a break. If you don’t have the common courtesy to tell someone you’re no longer involved in a project for over a month, then when they find out you’ve just up and left with no word and delete your account because you yourself said you left to other people, you don’t have any right to cry foul. Bitch and moan about how childish it is that your account is gone, tell the world about it, I don’t care.

-You- left.
-You- didn’t tell anyone you left.
-You- have no right to complain that your account is gone because -we- assumed -you- left because -you- said -you- left to other people.

This is exactly the kind of childish made-up bullshit I don’t want on the MUD anyway. I could care less who is admining or building on what MUD with whomever. For you to sit there and bash my game when I have never said a negative thing about yours?

You had every opportunity to email someone that you had left, and if your husband was so active on the MUD he could have sent a tell. His character was deleted because he wasn’t RPing, I imagine because……his wife left the MUD. I have no quarrels with him, I know he can read the forum, I know he -does- read the forum. I’m sure you can read it too through his account, I’m not naive. But I -am- setting the record straight. Why don’t you tell work that you’re leaving and then get upset at them because they remove you from the employee roster.

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Insurance Premium $200 less

December 29th 2008

My 6 month car insurance premium is due in February. In August I paid $546.44 which was supposed to be the 6-month premium for August to February, but it’s looking like I paid $70 extra, so I had a $70 credit on my account.

I just got my statement for February to pay the next 6 months, and they are only asking $341.16 which is $205 -less- because they also give an Auto Dividend which knocked an additional $30 off as well.

Now I put $48 a paycheck away into my account just for my 6 month car insurance premium. That allows me to save up $615 for every 6 month premium (so I’ll have a little excess). That means I’ll have an extra $273.84 in there in January, which I’ll probably put towards my dad’s loan. I’m still trying to decide whether to lower my $48/paycheck payment to myself to account for this new 6 month premium, or leave it as is in case it ever goes up.

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