tag:blogger.com,1999:blog-54094378354272931692024-03-10T00:42:46.715-08:00South County GirlSouth County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.comBlogger1907125tag:blogger.com,1999:blog-5409437835427293169.post-84651096673142707062021-01-21T04:00:00.003-08:002021-01-21T04:00:07.159-08:002021 Annual Goals<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgESnpXP4k7b5TaazAPsHHMVq2qJzt-1EQ6w4QaFkYt3ycXQrA0U5d6n28r8DcT2qH1Fh8TbNVQSBHa6EvyCxcOcVdhdN6DQ_sCK-8INyJ7R5k-KYy2gCEf8Tl8KMRZUk93sqzsA8ndZ43X/s320/piggy-bank.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="282" data-original-width="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgESnpXP4k7b5TaazAPsHHMVq2qJzt-1EQ6w4QaFkYt3ycXQrA0U5d6n28r8DcT2qH1Fh8TbNVQSBHa6EvyCxcOcVdhdN6DQ_sCK-8INyJ7R5k-KYy2gCEf8Tl8KMRZUk93sqzsA8ndZ43X/s0/piggy-bank.jpg" /></a></div>I've always been the gal to outline and set a goals to provide some direction and accountability with my finances. It makes me feel better to have a plan and something to work towards... so while the internet is being flooded with lots of new year resolutions, here's the run down on our annual goals for 2021.<div><br /></div><div><b>1. Rid ourselves of a car payment. </b></div><div>This marks the 2nd time in my life I've had a car payment. The first car loan I had was for my second car, the Camry I drove into the ground until we replaced it recently with the Subaru Outback "Suby" recently... the car I drove for 13 plus years. I had that loan for one year and busted my butt to pay it off... and we are going to do the same thing in 2021 with the car loan we took out for hub's Forester. I just sleep better not owing money. So despite our 0.99% interest rate, we are gonna make that our number 1 priority. </div><div><ul style="text-align: left;"><li>Our loan was for $18,794.20 when we purchased the car in October of 2020.</li><ul><li>In November, we paid $403.50 ($387.75 Principal / $15.75 Interest) Balance: $18,406.45</li><li>In December, we paid $403.50 ($383.58 Principal / $19.92 Interest) Balance: $18,022.8</li><li>In January, we paid $2117.00 ($2106.26 Principal / $10.74 Interest) Balance: $15,916.61</li></ul></ul><div>In December I got "an extra paycheck" so we tossed the whole thing at the car payment this month. Our plan to eradicate the car loan is to pay $517 a month, apply all of our "extra checks" we get throughout 2021 to principal reductions... Send our stimulus checks to the debt... and other windfalls like the $1100.00 escrow check we got back from refinancing our mortgage... and monthly extra cash we may get that survives the month. We aren't dumping all of our windfalls at once at the car, but rather this month I sent that extra paycheck... next month, i'll send the escrow check in Feb, and then in March we will toss the stimulus checks at it if we haven't needed the funds for something else because by that time we will have filed our taxes and know if we owe or will have a refund, and we will know what to expect for profit share from Hub's work, which had a record breaking year. <br /></div><div><br /></div><div>So without Profit share and possible tax refunds, if all goes according to plan and we send the escrow check, and the stimulus checks over the next few months and with our extra paycheck and $500 a month plan, we should have around $3,000.00 left to pay down at the end of the year... which we hope to eradicate with any tax refund or part of hub's annual profit share check.</div><div><br /></div><div><b>2. Pay our refinanced mortgage like its a 20 year loan instead of a 30 year. </b></div></div><div>When we refinanced our mortgage to lock in a cheaper rate (2.75% instead of 4%), we did not opt for a 20 year or 15 year mortgage because the rate saving was not significant with our smaller mortgage size and it would increase our payment naturally (We were offered 2.65% for a 20 year). Instead by opting for the 30 year loan, but adding additional principal each month like it was a 20 year loan, we now have the flexibility should pandemic conditions change our jobs significantly, to reduce our expenses in the future if need, while reducing our interest rate over all, to allow us to pay down the balance owed much quicker. </div><div><br /></div><div>We refinanced our Mortgage into a 30 year at 2.75%. Our new balance was $152,600.00. Our minimum payment is now $622.98, but we are planning to pay $824 a month instead and treat it like a 20 year mortgage (sending $201.02 extra each month). </div><div><ul style="text-align: left;"><li>In December, we paid $824 (474.29 principal / $349.71 Interest): Balance: 152,125.71 </li></ul></div><div>So our goal for 2021, is to hopefully keep these payments going all year. </div><div><br /></div><div><b>3. 15% deductions for retirement without counting matches and social security</b></div><div>Hubs is already there. We have 15% of his paycheck put into his roth 401a every check, and do the same with his annual profit share check. He gets a 4% match on contributions, also pays into social security on top of that. Since my pension kicks in at 55, we both plan to retire together, so we want to make sure we are putting enough aside to make this a reality. Without matches but counting his social security, hubs put 21% of his income away for retirement. With matches, its 25%.</div><div><br /></div><div>I on the other hand pay 9.5% of my salary to my pension, and don't pay into social security. I get $150 match on my 457 contributions, by putting in $150 a month. This girl does not leave free money on the table, but this $150 a month is about 2-3% of my salary before the match... so I'm a little short of the 15% marker, and since my pension is taxable income and my 457 is a taxable account, we are going to put $118 a month into my Roth IRA, as that should get us near the 15% marker. (If I could employer pension payments as "matches" they put over 9% of my salary away, and then I have the 2-3% matching 457 contribution, so that will put me around the 25% marker as well with matches. </div><div><br /></div><div><b>4. Restore "sinking funds"</b></div><div>Usually with our tax return and profit share check, we restore our savings accounts that we spent money out of over the year. We pulled money out of some of our sinking funds accounts with the car and tile projects last year, so a few need to be topped off:</div><div><ul style="text-align: left;"><li>Vacation Fund: Restore to $1500 | Currently $502.12</li></ul><div><b>5. Evaluate the Emergency Fund and Checking Account Padding.</b></div></div><div>Right now, I moved half our emergency fund to our checking account when we were dealing with the car purchase and home improvement issues so I wouldn't have to worry about paycheck timing and other things. By the end of 2021, I want the emergency fund back in its account, and to have at least a 2,000 buffer in our main checking account so I don't have to worry about when bills hit the account as I've grown accustomed to paying bills early with the money that just kind of sits there, but I also know it can be easier to spend money when you see a larger number in your account. </div><div><br /></div><div>Assuming we both lost our jobs, our bare bones emergency budget would be $3,329.71 a month.</div><div><ul style="text-align: left;"><li>$30 year payment on the mortgage ($622.98); $300 property taxes; 367.50 HOA; $260 gasoline; $50 little dude; $100 non food items; $190 Insurance (car/house/earthquake); $100 utilities (just electric); $65 internet; $400 groceries; $40 cell phones; $834.23 Bronze Kaiser health insurance thru Covered California.</li></ul>Its a no thrills lifestyle because this assumes No money coming in. We drop Little dude from daycare and go on total lock down as we would be living off our savings completely. Now in the real world, Hubs would qualify for unemployment initially, so we would have that as well. I also have over 500 PTO hours at present that would have to be paid out if I lost my job but this is just the outline we have to earmark how much money we should keep liquid if we needed 6 months of paired down expenses. With the smaller mortgage payment after the refinance, a $20,000 emergency fund would still be valid for a bare bones budget.</div><div><br /></div><div>In the real world, if Hubs were to loose his job completely, we can survive on my income if we cut daycare out as I cover the health insurance and we make sure our basic needs (food/Clothing/shelter etc) can be covered on one income cause we are old fashioned folks who don't buy into societies I NEED the latest i-phone mentality. I like to spend my time playing board games and going hiking cause i'm a social homebody at heart. If I lost my job, </div><div><br /></div><div>Now if I lost my job, while hubs and I make a similar income, most of his comes from profit share, which is never guaranteed. So if we talk about his base pay and our savings, we would have a year to figure out our next plan.</div><div><br /></div><div>So by the end of 2021, I'd like 20,000 sitting in our emergency fund and around $3000 in our primary checking account. </div><div><br /></div><div><b>6. If we manage to do all of that, then we would start on any of the following:</b></div><div><ul style="text-align: left;"><li>Buy and build the rest of the living room built ins </li><li>Add a metal deck ceiling/roof for the patio and possibly privacy shades</li><li>Add baseboards back to the house since we don't have those yet</li><li>Upgrade Little dudes closet to one floor to ceiling Ikea Unit to add more storage since he and his clothes are getting bigger.</li></ul></div>South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com2tag:blogger.com,1999:blog-5409437835427293169.post-56382227902302526462021-01-18T04:00:00.001-08:002021-01-18T04:00:02.693-08:00Annual Goals Update from 2020<h3><span style="font-size: medium; font-weight: 400;">We set some goals for the year, and then we had 2020 -- the year of the unplanned EVERYTHING. Which naturally affected the progress on our annual goals... but before I update you all on what we spent for the year (ya, I tracked it), and set some new goals for 2021 and attempt to update the blog regularly again, lets all laugh back at what we thought would happen in 2020 before the pandemic. </span></h3><h3>Put all of our savings accounts we borrowed from back. Emergency Fund: $5,175 & Vacation: $1,500<div><span style="font-size: small;"><span style="font-weight: 400;"><br /></span></span></div><div><span style="font-size: small;"><span style="font-weight: 400;">Well, we managed to get this done by March with extra paychecks and tax returns... and then in October, we had to buy hubs a new to us car... Our amazing mechanic was finally unable to source parts to replace worn out pieces on the car. After a new water pump went in and an oil change in May, we knew that would be our final repair. Our mechanic said "you got between 6 hours and 6-months and it will just die... and when it does, your towing it to a junk yard." So we kept our eyes peeled on SEVERAL different car types and in prices because we didn't have the cash to buy a long term car like we wanted. After test driving several cars, we faced the inevitable. Hubs WANTED a Subaru Forester and I couldn't find a car in our budget range that he actually FIT into that wasn't a Subaru Forester. </span></span></div><div><span style="font-size: small;"><span style="font-weight: 400;"><br /></span></span></div><div><span style="font-size: small;"><span style="font-weight: 400;">We ended up finding a used 2019 one with 9,000 miles on it -- and we bought it 2 days before we would have had to pay the renewal DMV stickers on the Escort -- which was also the same day the car almost didn't start on his way home from work. The Dealer gave us $100 for the old car on a trade in and we forked over $9,000 in cash and have an AUTO LOAN for the balance.</span></span></div><div><span style="font-size: medium; font-weight: 400;"><br /></span></div><div><span style="font-size: medium; font-weight: 400;">I know what your thinking... how could you get a car loan, right?</span></div><div style="text-align: left;"><ol style="text-align: left;"><li><span style="font-size: small;">It's Temporary.</span></li><li><span style="font-size: small;">We planned the payments.</span></li><li><span style="font-size: small;">We CAN pay if off right now if we have to... but this is our 2021 mission. </span><span style="font-size: small; font-weight: normal;"> </span></li></ol><span style="font-size: small; font-weight: normal;">First off, this car loan is temporary. We may have a four year loan, but we plan to have this paid off by the end of 2021. It's </span> $18,794.20 at 0.99% APR for 4 years. <span style="font-size: small; font-weight: normal;">Because we bought used and a base model, we got a very low interest rate (and have good credit), but because of Covid, we didn't want to drain our emergency fund to pay cash right away in case we needed cash... and we didn't want to buy another clunker only to have to replace it in 5 years.</span></div><div style="text-align: left;"><ul style="text-align: left;"><li><span style="font-size: small;"><span style="font-weight: normal;">We plan to remove most of this loan with our tax return, extra paychecks, regular monthly car payments, and our 2021 profit share check from hubs work -- which should be </span><span style="font-weight: 400;">substantial</span><span style="font-weight: normal;"> as they haven't had a year THIS good since before the great recession. His boss also just told us last week that he's getting a 5% raise cause it was such a good year and he's been busting his butt!</span></span></li><li><span style="font-size: medium; font-weight: normal;">Over the course of the LIFE of the loan, we will pay only $382.33 in interest. This was a fee we were HAPPY to pay, to have our savings stay in our account until the profit share check comes in to knock out most of the loan, if not the whole thing. Its a peace of mind fee that we are chalking up to 2020. (it's less than $20 a month in interest right now and it shrinks over time, no joke). </span></li></ul></div><div style="text-align: left;"><span style="font-size: small; font-weight: normal;">Secondly, we controlled the payment. WE TOLD the dealer what the payment would be, and asked how much they needed down to make the payment work. We didn't accept a payment and a 6 year loan or whatever. We</span><span style="font-size: medium; font-weight: normal;"> have regularly been saving over $400 a month towards a new car for several years (first it was mine, then it was saving $9k towards his) -- so we know we can handle that amount on a monthly basis with flex. To keep the payments at $399 and change a month, they needed $9k -- which was what we had saved up at the end of October with hub's extra paycheck. </span></div><div style="text-align: left;"><span style="font-size: small; font-weight: normal;"><br /></span></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-weight: 400;">Third, we could take the $20k in our emergency fund and write a check tomorrow --- but that would make me nervous. I wouldn't sleep right at night, and I listen to my gut on those issues, so our 2021 goals will be eliminating the car payment. </span></span></div><div><span style="font-size: small;"><span style="font-weight: 400;"><br /></span></span></div><div>Start saving for hub's next car.... (ya, kind of bought it already) Meet Tess :)</div><div><br /></div><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBqASlq5xhv8ElJ4Wjic34NAW-gec6PILWhlkENQS9a1u5-3hXcdmJauR_in6m5X0-6wytLKzW0iqIi6TMBCkoVLe9azkuOnGE7EskOjsOwJrWhBY2Tuva1DG-h6cnlSvoobGgea2SJiwO/s2643/IMG_20201012_172140.jpg" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1189" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBqASlq5xhv8ElJ4Wjic34NAW-gec6PILWhlkENQS9a1u5-3hXcdmJauR_in6m5X0-6wytLKzW0iqIi6TMBCkoVLe9azkuOnGE7EskOjsOwJrWhBY2Tuva1DG-h6cnlSvoobGgea2SJiwO/s320/IMG_20201012_172140.jpg" width="320" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Old Car....<br /></td></tr></tbody></table><br /><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4L7p72Qgz9C99bt1EnI-1iZpAmOqmUJAbTuv0vSuNT37prQUBrZc6PdptI3CXWiNNMnH4qBMbf1RjiWZNua6ZGWhd7CZkqRQIRtTOIlMD3C3FX5psNu-KWxt5RdK-GThY7AOmVYh-ntdv/s2048/IMG_20201013_064656.jpg" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1536" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4L7p72Qgz9C99bt1EnI-1iZpAmOqmUJAbTuv0vSuNT37prQUBrZc6PdptI3CXWiNNMnH4qBMbf1RjiWZNua6ZGWhd7CZkqRQIRtTOIlMD3C3FX5psNu-KWxt5RdK-GThY7AOmVYh-ntdv/s320/IMG_20201013_064656.jpg" width="320" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">New to US Car<br /></td></tr></tbody></table><br /><div><br /></div><div style="text-align: left;">Finish painting the interior Doors - Ya'll, this actually happened!</div><div style="text-align: left;"><br /></div><div style="text-align: left;"><span style="font-size: small;"><span style="font-weight: 400;">Just before we did the tile floors, I got everything painted!!!! </span></span></div><div style="text-align: left;"><br /></div><div style="text-align: left;">Seal our Concrete - Yup, our floors got sealed. </div><div style="text-align: left;"><span style="font-size: small; font-weight: normal;">I just posted the re-cap update on that one, but we have sealed floors and tile now... no longer walking on concrete is a step up if you will mind my pun. </span></div><div style="text-align: left;"><br /></div><div style="text-align: left;">Things on hold:</div><div style="text-align: left;"><ul style="text-align: left;"><li><span style="font-size: small; font-weight: normal;">Purchase living room built ins -- and then do base boards: These are on hold as we now have a car payment.... and had to pay almost $8,000 for the new floors in our condo.... So we are cash strapped at the moment and don't spend money unless we have it. </span></li></ul></div></h3><h3><span style="font-size: small;"><span style="font-weight: normal;">After those goals were supposed to be done, our plan was to </span><span style="font-weight: normal;">Jack up retirement to 15% without counting matches and make our mortgage a 15 year term to pay it down faster...</span></span></h3><div style="text-align: left;"><ul style="text-align: left;"><li><span style="font-size: small;"><span style="font-weight: normal;">We changed hub's retirement contributions to 15% at some point during 2020, despite still paying</span></span> $700 a month for daycare cause virtual school half day and weird schedules and no remote options means extended daycare for little dude. But we stopped Roth IRA contributions to my account after 2 months for more flexibility when the car was on the fritz. </li><li>We also refinanced our mortgage to take advantage of better interest rates, so a full post on that is coming soon. </li></ul><div><br /></div><div>So not too shabby from the year we never thought would never end. </div></div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com1tag:blogger.com,1999:blog-5409437835427293169.post-55067325248638078292021-01-13T16:51:00.004-08:002021-01-13T16:51:54.294-08:00The long awaited flooring update post<div class="separator"><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><span style="text-align: left;">Well, if you have been following our </span><a href="http://southcountygirl.blogspot.com/2020/02/floor-update.html" style="text-align: left;">flooring adventures </a><span style="text-align: left;"> you may recall that our slab wasn't sealed in our condo completely... and it was an issue we had to involve our HOA with.</span></div><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><span style="text-align: left;">It took a lot of back and forth with the HOA, and folks coming and going, but eventually the HOA paid for the remainder of our floors to be removed at their expense, and for red guard to be applied directly to the slab throughout the entire unit to act as a moisture barrier.</span></div></div><p></p><p></p><p><br /></p><p><br /></p><p><br /></p>Basically everything but the kitchen and bathroom wasn't sealed. (When they removed the tile in our living room, they found more moisture underneath it, so both bedrooms and the living room were affected). <div><br /></div><div>BEFORE:</div><div><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiI32oxvmz0V9Q9XNw47UHgeG1txSNpUSF4MHUciMIHw93KpxreKXpPZ9nVSB4fhdHyGIZktWK3qaFwLOQymfj4HJX30wlja-hDivaH7_FlmE4Xn8fwwCWaFF5A2i29H6Y6miGGICG8V_Q3/s2048/0719201430a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1536" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiI32oxvmz0V9Q9XNw47UHgeG1txSNpUSF4MHUciMIHw93KpxreKXpPZ9nVSB4fhdHyGIZktWK3qaFwLOQymfj4HJX30wlja-hDivaH7_FlmE4Xn8fwwCWaFF5A2i29H6Y6miGGICG8V_Q3/s320/0719201430a.jpg" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAFfE2nEG_CyGAYnVytJB7VIFHAFaBEgL5F7PzoIzC4rUWEOz_r3v0mLitAkrfEDivfyGozs_DRPzDQpRBCWt0-pCUAT33RqsTVTM1Qo71PJbPy02ZuPhtdZCtioKEkdwcbRwDaujHruK7/s2048/0719201431a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1536" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAFfE2nEG_CyGAYnVytJB7VIFHAFaBEgL5F7PzoIzC4rUWEOz_r3v0mLitAkrfEDivfyGozs_DRPzDQpRBCWt0-pCUAT33RqsTVTM1Qo71PJbPy02ZuPhtdZCtioKEkdwcbRwDaujHruK7/s320/0719201431a.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyQoovzPZcBxCOai39zFPj_FgMHZwWWUQvwWTz_VEmHtDWddKHbebIGVP4PopbtZISJidsylNaQJ4Jrd26H0GP43unUm2M0LyqPSLr__krZLlFTcKYzIjIzmTB9tzrJs5Oz3NMrRU2SfRE/s2643/IMG_20200719_143039.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1190" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyQoovzPZcBxCOai39zFPj_FgMHZwWWUQvwWTz_VEmHtDWddKHbebIGVP4PopbtZISJidsylNaQJ4Jrd26H0GP43unUm2M0LyqPSLr__krZLlFTcKYzIjIzmTB9tzrJs5Oz3NMrRU2SfRE/s320/IMG_20200719_143039.jpg" width="320" /></a></div><br /><div><br /></div><div>DURING RIP OUT:</div><div><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJ9Y_CzZcBepoF9F0rsCMyHut7tL1Il3ai9YSYUC1uaI_sY-8iV5TYO0fTFlUseM6sgmy_BMiwO2F64sryB-VWGpAhCXfRZR94lZ4ixBaT3V0_0WbhkvlTYN9IY_8E7b5b2pc7sUozr7tj/s2643/IMG_20200720_154631.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1190" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJ9Y_CzZcBepoF9F0rsCMyHut7tL1Il3ai9YSYUC1uaI_sY-8iV5TYO0fTFlUseM6sgmy_BMiwO2F64sryB-VWGpAhCXfRZR94lZ4ixBaT3V0_0WbhkvlTYN9IY_8E7b5b2pc7sUozr7tj/s320/IMG_20200720_154631.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNf58zUPdpwdsiTW84QtAFqV5tS3OrGJUqDW_3AUSIx0BLoJKxfEeioY2y8pLvYSnnw9OtEUEHewlb1QnwIqbfIfgLN8VLkmN0GaZIoGbmBPNEywICz1Ivv2EM9Ofxqv9KUoFXQibNbFZF/s2643/IMG_20200720_154737.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1190" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNf58zUPdpwdsiTW84QtAFqV5tS3OrGJUqDW_3AUSIx0BLoJKxfEeioY2y8pLvYSnnw9OtEUEHewlb1QnwIqbfIfgLN8VLkmN0GaZIoGbmBPNEywICz1Ivv2EM9Ofxqv9KUoFXQibNbFZF/s320/IMG_20200720_154737.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5iQFeiXZAbgh1NoWvmpQAqt-L0aY_YVuqRvXIUHeFOsRPXEQTlh90QHcBXmUMoE7N3-mL2MbW8gK4S5-Q2zLL_O0VRW_6jEGdu2zLdpSN2Oo96EWLcbqoNMwsdVV18iBBYxrsyIeW_-K0/s2643/IMG_20200720_154746.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1190" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5iQFeiXZAbgh1NoWvmpQAqt-L0aY_YVuqRvXIUHeFOsRPXEQTlh90QHcBXmUMoE7N3-mL2MbW8gK4S5-Q2zLL_O0VRW_6jEGdu2zLdpSN2Oo96EWLcbqoNMwsdVV18iBBYxrsyIeW_-K0/s320/IMG_20200720_154746.jpg" width="320" /></a></div><br /><div>ADDING RED GUARD (which is actually red)</div><div><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhstlRX6AZfRqJb6ynnA5hWpypT1G-QWbCbZGgJhkF5V4QH4HeTNJbTjX4F4tczYK7OLuPFA3e4sUMYZGwlo1V6Um33-mJKlfE_8cYz4XxY2mB3k2sXGku5lW9WOOxPGlJ_5ASg3-5cEJdC/s2643/IMG_20200723_083758.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1190" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhstlRX6AZfRqJb6ynnA5hWpypT1G-QWbCbZGgJhkF5V4QH4HeTNJbTjX4F4tczYK7OLuPFA3e4sUMYZGwlo1V6Um33-mJKlfE_8cYz4XxY2mB3k2sXGku5lW9WOOxPGlJ_5ASg3-5cEJdC/s320/IMG_20200723_083758.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVmrWeYqmgcgC5gpEqnCtVxRBLNaWAUbIN-BPaAN0kGIeSJdlgro-uht8oS6HGIsf90JXCdeLAvMsD0KcLXVk3oKAd5YFBrto9uDVkW90A_QIHH1YaNbQpdFF7XWejU9LG-4T0zAdBpD_8/s2643/IMG_20200723_083804+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1190" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVmrWeYqmgcgC5gpEqnCtVxRBLNaWAUbIN-BPaAN0kGIeSJdlgro-uht8oS6HGIsf90JXCdeLAvMsD0KcLXVk3oKAd5YFBrto9uDVkW90A_QIHH1YaNbQpdFF7XWejU9LG-4T0zAdBpD_8/s320/IMG_20200723_083804+%25281%2529.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrFXzg8Bm8Yt2VEvEZy1M9u33i6SJI5rkTB6j-xyQG9eBXtKaX5yMKtDdwJGmiVwwof7NU_Xo2A479AM5T-eH_0UluMz4KIwtzlDqY3cUZEWU8sJcyDdoPRIGljbIhZRXSYhMJYkeaoF_G/s2643/IMG_20200723_083820.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1190" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrFXzg8Bm8Yt2VEvEZy1M9u33i6SJI5rkTB6j-xyQG9eBXtKaX5yMKtDdwJGmiVwwof7NU_Xo2A479AM5T-eH_0UluMz4KIwtzlDqY3cUZEWU8sJcyDdoPRIGljbIhZRXSYhMJYkeaoF_G/s320/IMG_20200723_083820.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjO5X4nNM5Tnne3cxxcATjXmeQ1xJo-Ui3PflfcexSD2CHv7kHtEXx4lVWtH6vyApIV6dFPYPkWolHPr_C0LGv5KTIFQLnjVYC_afyXq4dQFeTRUk5f6rTL72mrCV374vVwziYmkFY7WSxI/s2643/IMG_20200723_083918.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1190" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjO5X4nNM5Tnne3cxxcATjXmeQ1xJo-Ui3PflfcexSD2CHv7kHtEXx4lVWtH6vyApIV6dFPYPkWolHPr_C0LGv5KTIFQLnjVYC_afyXq4dQFeTRUk5f6rTL72mrCV374vVwziYmkFY7WSxI/s320/IMG_20200723_083918.jpg" width="320" /></a></div><br /><div>This is where the HOA left the job. In addition to paying to seal our concrete, they installed more drains around the outside of our unit to prevent water from pooling during heavy rains as another stop gap type of fix.</div><div><p>What they didn't cover, was our new floors. The geologist team recommended only professionals install the flooring and only tile be installed in the unit, not carpet, so we had to pay for new floors ourselves. The delay in the whole process came because I'm on the board of directors for our complex, so they had to take several meetings to form a committee to discuss our unit in proper channels without me on the calls, and had to have enough other HOA board members present to make decisions. Eventually the HOA legal team decided that sealing the concrete constituted bare walls, which is the HOA responsibility, so we were not reimbursed for our tile replacement or our hotel displacement for the week it all took place.</p><p>Our homeowners insurance would not cover the flooring because it was only damaged by the HOA ripping it up to fix the issue with the foundation, which can't be covered under our Condo homeowners policy. So a homeowner expense.</p><p>In the end, we paid for new floors from Home Depot. I love our new tile, but it was a second battle to even get our tile materials due to Covid. The store we purchase from promised they would transfer materials from another store that had ample stock, but then they stopped certain types of store to store transfers due to covid and we got stuck in the middle... after 6 or 7 weeks of calling home depot, going in person for updates, and flat out begging to get my materials, it took me crying in the store 3 days before my removal started in front of a slew of people, telling them I'd drive up to the store and get it myself in their home depot rental truck if they would just release the tile to me since I paid for it, for someone to make it happen. (Even then they said I would have to purchase new tile, and have the old tile eventually refunded to me, requiring more upfront costs....) And at the end of the day that idea only died when they realized we would need two trucks to handle the weight of the tile and there was only one of me, all five feet girl determined).</p><p>So in tears, someone called the store and told them to load it and deliver it and by a miracle of God, my tile arrived as they were ripping it out, because I had to use TWO different crews.,.. the HOA crew that did the removal and sealing, and then the home depot install team. </p><p>But in the end, my tile got installed... </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjr9KiTC6Avjooud5nAeMq2lT_aBsSa0w9wZWOjTcTYILJaP41A0TiXrlJpPbM3QokFTB33R6UoXOijQ4zibFRHYcPdpNP4TnrFZW9m8z8zBK8i4wa46XBKqJUvGPez29N7RZ7oT84XNzHw/s2643/IMG_20200724_061916+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1190" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjr9KiTC6Avjooud5nAeMq2lT_aBsSa0w9wZWOjTcTYILJaP41A0TiXrlJpPbM3QokFTB33R6UoXOijQ4zibFRHYcPdpNP4TnrFZW9m8z8zBK8i4wa46XBKqJUvGPez29N7RZ7oT84XNzHw/s320/IMG_20200724_061916+%25281%2529.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdwWvfYiVZB3IKFjI1NiQHGjIoty0mdSy-DU38bOuuj1zfHbW1jFYVTHEXB_z60fwk4dJQzCAgEyqWFuvffk4s3jz2Ts9RoVpR0DgBlthEYq7qocxTjCUb09f-rkh_2b7nNYqcMaTCuOaj/s2643/IMG_20200724_061925.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1190" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdwWvfYiVZB3IKFjI1NiQHGjIoty0mdSy-DU38bOuuj1zfHbW1jFYVTHEXB_z60fwk4dJQzCAgEyqWFuvffk4s3jz2Ts9RoVpR0DgBlthEYq7qocxTjCUb09f-rkh_2b7nNYqcMaTCuOaj/s320/IMG_20200724_061925.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjj-L_JXmDCdJUdbNeZjP-EJ2v2R3Dioc-DapHR4NMJJdHpf5dGUC1HLDfP0AtLYl6Jg3XQd0qdachpdbQm5aSyOzVwsvKpUPnz96vevJU7BIJwY7KClmtS45nXztYQGBuGWlh4Kvq-YLtz/s2643/IMG_20200724_061948.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1190" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjj-L_JXmDCdJUdbNeZjP-EJ2v2R3Dioc-DapHR4NMJJdHpf5dGUC1HLDfP0AtLYl6Jg3XQd0qdachpdbQm5aSyOzVwsvKpUPnz96vevJU7BIJwY7KClmtS45nXztYQGBuGWlh4Kvq-YLtz/s320/IMG_20200724_061948.jpg" width="320" /></a></div><br /><p>And then we had some issues with leveling the concrete so the tile would lay flat in the master bedroom (so we paid more to have that area leveled.). </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1fGyWI8yJYo2V_LBoR3846wQ1c2EMdGxQ3iolZ7-Zq0oAmzGGQEn2T5hi_fHl60YCpRhPLKjQZypxI1DOIKFQ5XtqU-7F8Jtpyi9k6hfJDv3eT9uh_qNDTWsm0LuY-YRYhW-NbSvSeFfK/s2048/0723200915+%25282%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1536" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1fGyWI8yJYo2V_LBoR3846wQ1c2EMdGxQ3iolZ7-Zq0oAmzGGQEn2T5hi_fHl60YCpRhPLKjQZypxI1DOIKFQ5XtqU-7F8Jtpyi9k6hfJDv3eT9uh_qNDTWsm0LuY-YRYhW-NbSvSeFfK/s320/0723200915+%25282%2529.jpg" width="320" /></a></div><br /><p>The crew ran out of materials and forced my husband to leave work and go and buy more materials for leveling to keep the job on time. When I questioned this, the install crew said the company would not let them pick up the mortar bags directly from home depot... which led to more apologies from Home Depot because this was counter to their business practices because they had my card on file for anything that might go wrong like needing another bag of 4 bags of mortar. Unfortunately in the leveling process, we got a bump... all the tiles lines up nicely, no tile to tile shifts, but a little too much leveling material in one spot and our bed rocked really loudly... </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZnW3a47_syDQ4gPoPbMlNaUzIdrAt49EFq9-xwpBIHhHlYHd_R4SMmaTDDBEa0CVzn46dNVwLjdm575xoTfBHzHsGGQM5YgIkxsGesQn7uvUiiS-0CoMiZPkeNHu8bAorIKKxDgSR2JKq/s2643/IMG_20200726_092717+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1189" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZnW3a47_syDQ4gPoPbMlNaUzIdrAt49EFq9-xwpBIHhHlYHd_R4SMmaTDDBEa0CVzn46dNVwLjdm575xoTfBHzHsGGQM5YgIkxsGesQn7uvUiiS-0CoMiZPkeNHu8bAorIKKxDgSR2JKq/s320/IMG_20200726_092717+%25281%2529.jpg" width="320" /></a></div><br /><p>The only solution was to rip out almost the whole room and redo it, but we didn't have enough tile to do that and I worried that might mess up the red guard seal, so they refunded us part of the leveling charges and helped us add some felt tabs to the bed to keep it from rocking. </p><p>It was a miracle our floors got done... but they are pretty and I love them. We still need to do built in cabinets in the living room and base boards (we re-did our closets in the master already), but those are going to wait a bit because we bought hubs a car last year... (Yup, escort finally died).</p><p>But for now, we love having floors and this place feels more finished each year. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7jiOjaTF2zsI8jGkQgMZClLGcy4q1ggUIQqZ0QuPW_41avT-5bpw3kMsdDJ4ld8J3uD5ALEoKHRDHjjPy2ecjLU-iKT3QoXDWMreNuB2CYzDNjtR7f2PGunJzontzl1hK6I-zvKmlmzRY/s972/IMG_20201225_080436-ANIMATION.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="438" data-original-width="972" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7jiOjaTF2zsI8jGkQgMZClLGcy4q1ggUIQqZ0QuPW_41avT-5bpw3kMsdDJ4ld8J3uD5ALEoKHRDHjjPy2ecjLU-iKT3QoXDWMreNuB2CYzDNjtR7f2PGunJzontzl1hK6I-zvKmlmzRY/s320/IMG_20201225_080436-ANIMATION.gif" width="320" /></a></div><br /><p>Tile Flooring install and materials: $7,323.36</p><p>Hotel Stay: $769.02<br />New Toilet: $206.80 (cause you don't install an old one when you have to pay someone to do it)<br />New Hot/Cold Valves: $327.31 (Ya, we tried to undo the appliances and the valves were bad.... so we replaced those as well). </p></div>South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com3tag:blogger.com,1999:blog-5409437835427293169.post-68189024762204393792020-10-27T15:28:00.003-07:002020-10-27T15:28:15.144-07:00Covid 19 in our little bubble<p>Well, just as the world shut down in February, so did my blog apparently, again. But alas, I owe a long overdue update to any of you still around on how we have been managing Covid-19. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9YV8FHjKMqWZ0mmOla8fh6NhphAbiLAQOEzz7uvg-O2LeO1bUc_30EHntxwdiShn5khxJ6YxBWPTwxzlhjurxqUXSCbUQrsUeaTiEvSC85uwR1zK8WXe0jW4vbl4J9yqJUIFhXj29z3qX/s4160/0318201058.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3120" data-original-width="4160" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9YV8FHjKMqWZ0mmOla8fh6NhphAbiLAQOEzz7uvg-O2LeO1bUc_30EHntxwdiShn5khxJ6YxBWPTwxzlhjurxqUXSCbUQrsUeaTiEvSC85uwR1zK8WXe0jW4vbl4J9yqJUIFhXj29z3qX/w200-h150/0318201058.jpg" width="200" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVJ56zbt33wKvPWug_Xf77Tgpe8L-nQmVho7bByGdT0w5CKL2HnT1Z72pkdqV4ZsMSCIDfKZejO5oK99O8-yHhkc0Hw2fG15N3RfLL4iMcxfoLkZbcagVWCi2G3fpaEzYsgC3jzH_6C1x6/s4160/0320201027.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVJ56zbt33wKvPWug_Xf77Tgpe8L-nQmVho7bByGdT0w5CKL2HnT1Z72pkdqV4ZsMSCIDfKZejO5oK99O8-yHhkc0Hw2fG15N3RfLL4iMcxfoLkZbcagVWCi2G3fpaEzYsgC3jzH_6C1x6/w150-h200/0320201027.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjevGI3CbzWYKZNBjDijUJJlZSS41BH8pNAkK58swAWYIp1Bz89mb9unx7vkG8HkHLi3CWw_7646wc6_FQjF7LeqyqAyfUYwihOxV6CKcJLwPocro_XreYoHIc9NXZVqmdlAm6DUlhxV2Ot/s4160/0325201349.jpg" imageanchor="1" style="clear: left; display: inline !important; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="3120" data-original-width="4160" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjevGI3CbzWYKZNBjDijUJJlZSS41BH8pNAkK58swAWYIp1Bz89mb9unx7vkG8HkHLi3CWw_7646wc6_FQjF7LeqyqAyfUYwihOxV6CKcJLwPocro_XreYoHIc9NXZVqmdlAm6DUlhxV2Ot/w200-h150/0325201349.jpg" width="200" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmQ5a6M60YOPZrZT2q0VjE7Dujo9A8HJ1oYzBMKitKgq0F0teurte_duygHTGSX9IB0Wnn43pgeCuccSoCrk4b8P5MuWBgEdIzMl7cgIfmClkeDtqCzelkMixfFTakfFYPBvn9nleCUOA8/s4160/0329201459.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3120" data-original-width="4160" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmQ5a6M60YOPZrZT2q0VjE7Dujo9A8HJ1oYzBMKitKgq0F0teurte_duygHTGSX9IB0Wnn43pgeCuccSoCrk4b8P5MuWBgEdIzMl7cgIfmClkeDtqCzelkMixfFTakfFYPBvn9nleCUOA8/s320/0329201459.jpg" width="320" /></a></div><br /><p><b>Hubs never stopped working.</b> They modified operations at his place of employment and after a brief couple of weeks of rotating three man teams in the building, they switched to a Will Call system and kept things running. Since then, they have let the contractors into the building, but the wear masks, and only the staff can pull things for customers. Surprisingly, his store is set to have the BIGGEST profit year since the great recession. (apparently confining people to their homes makes them yearn for home improvement). </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0kSFtb1P5doourzVeSXo3NHH3IbCAhId4nRW9AhZRiy3uF6-iT1I4rgEeSlt6pPwKE07hrxVJ4A3P26uPecEkBjff4kcUXuIPm4Mn9iRyDNVKLSAgfubUn5OBpRS6bm6Zxcov-s0fBrmX/s4160/0403202134.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0kSFtb1P5doourzVeSXo3NHH3IbCAhId4nRW9AhZRiy3uF6-iT1I4rgEeSlt6pPwKE07hrxVJ4A3P26uPecEkBjff4kcUXuIPm4Mn9iRyDNVKLSAgfubUn5OBpRS6bm6Zxcov-s0fBrmX/w150-h200/0403202134.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYX2KWVpX6u38L1ufDaPIp3AnooONJ3RyjgKNhBhOgQCMzCj0pkAq7OP2l-xZTo-FRkGTvKXrzhmbPKaqzExJt6aAYsv1AhNHazBI_bE4wxW-f7T9YiaIEuzFYFHB6TuNppzFrylujZzfd/s4160/0411201314.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYX2KWVpX6u38L1ufDaPIp3AnooONJ3RyjgKNhBhOgQCMzCj0pkAq7OP2l-xZTo-FRkGTvKXrzhmbPKaqzExJt6aAYsv1AhNHazBI_bE4wxW-f7T9YiaIEuzFYFHB6TuNppzFrylujZzfd/w150-h200/0411201314.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXK3nbxhQJ_KXYB4Vf-_R8VtXHJYQr0VhM15oOCGTevP3RQf3IjMEbnQ-V1ZWTzgeRXVHrtFVpyxIY8CNGRPIlQnwoXcF9aTOl2haCw4dc6vKPeoAZQsUSRccK8rtsfCGbWSoStTE_OuyB/s4160/0415201119.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXK3nbxhQJ_KXYB4Vf-_R8VtXHJYQr0VhM15oOCGTevP3RQf3IjMEbnQ-V1ZWTzgeRXVHrtFVpyxIY8CNGRPIlQnwoXcF9aTOl2haCw4dc6vKPeoAZQsUSRccK8rtsfCGbWSoStTE_OuyB/w150-h200/0415201119.jpg" width="150" /></a></div><br /><p><b>Little Dude's school shut down</b>. Yup, they shut down like all the other schools and since it was pre-school, there wasn't a ton of "homework" to do remotely, so we lucked out seriously. Little dude started kindergarten remotely from a daycare center and has sense gotten to go back to campus for 1/2 days, with 1/2 his classmates. He's horribly loud on zoom, so in person instruction was a HUGE blessing to get back to. Thankfully, I was recalled to work and didn't have to "zoom" from home.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghPQWwTJcfMWOWr04bhJskILvYhZqmh3AAzqp4hTTTNCfLzt1enhF3FFnw6arnGrqVVazs3xsZaCgpzvZ7tVI7tgtGtoxGOY3Q93hP_EdhIVyQUH9p7NJi2cGd_HWqzxoytPB9RS-Zsc77/s4160/0510201433.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghPQWwTJcfMWOWr04bhJskILvYhZqmh3AAzqp4hTTTNCfLzt1enhF3FFnw6arnGrqVVazs3xsZaCgpzvZ7tVI7tgtGtoxGOY3Q93hP_EdhIVyQUH9p7NJi2cGd_HWqzxoytPB9RS-Zsc77/w150-h200/0510201433.jpg" width="150" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAs31Nm9BkcbqHE453oMI6zHx3mu2QxNZBvbBBDs6d_5pxgJTZoBwhyphenhyphen59TQdQqY48hUipmV4B4itcBgQH8qidueeNsC2KA0rge19DSHOuKvK67HdhtNy7du4ag0wGInrSIkgcxxuV2fUiN/s4160/0510201225.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3120" data-original-width="4160" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAs31Nm9BkcbqHE453oMI6zHx3mu2QxNZBvbBBDs6d_5pxgJTZoBwhyphenhyphen59TQdQqY48hUipmV4B4itcBgQH8qidueeNsC2KA0rge19DSHOuKvK67HdhtNy7du4ag0wGInrSIkgcxxuV2fUiN/w200-h150/0510201225.jpg" width="200" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbI45z0ve4sfJJG3BUg52Wg8k7Lcl4kcIcKkvXQybameigdb6TH4-_uFkNvUYOZpDPvoA3w3ntsvQYigRHNEPSATRHWPgOriIVhRE3-1rhZY0DeOCo87emvl6TvEJFeIQ8gPHxWB4yV-xw/s4160/0524201344.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3120" data-original-width="4160" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbI45z0ve4sfJJG3BUg52Wg8k7Lcl4kcIcKkvXQybameigdb6TH4-_uFkNvUYOZpDPvoA3w3ntsvQYigRHNEPSATRHWPgOriIVhRE3-1rhZY0DeOCo87emvl6TvEJFeIQ8gPHxWB4yV-xw/w200-h150/0524201344.jpg" width="200" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOk7r7ITt_MyqoYj2Q5jZDPsrg57b5-na8kyTB9aZH41EaYUMnNB58eeQzdKf6QC6FFG_s1U8h-elI_PXpCu8iGBThvFAqDBqyara7627uKjw2gveShBvodVOucly86oneiBx7PeyIuNDY/s4160/0718200847.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOk7r7ITt_MyqoYj2Q5jZDPsrg57b5-na8kyTB9aZH41EaYUMnNB58eeQzdKf6QC6FFG_s1U8h-elI_PXpCu8iGBThvFAqDBqyara7627uKjw2gveShBvodVOucly86oneiBx7PeyIuNDY/s320/0718200847.jpg" /></a></div><br /><p><b>We found ways to help others. </b>I can't sew very well -- but I can cut a mean fabric square. In fact, I cut 962 panels for a sewing group to turned them into masks for first responders and members of the community before I went back to work... and we organized food drives, drove meals on wheels, and took care of the community.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXqC4nE-Ahu6bQr4jX-QDoDFJ8ItLc55kmMn7sHeAM1PhToR9H_tkWhNs1eA4dDeH3twl4H8zPry0mIy0b5esjiXi7YIIBC_emhJDgAdOF1fU9ZW3pl58Yj-5j6_k32c6B5Q2LpOYInc7G/s4160/0416202109.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="3120" data-original-width="4160" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXqC4nE-Ahu6bQr4jX-QDoDFJ8ItLc55kmMn7sHeAM1PhToR9H_tkWhNs1eA4dDeH3twl4H8zPry0mIy0b5esjiXi7YIIBC_emhJDgAdOF1fU9ZW3pl58Yj-5j6_k32c6B5Q2LpOYInc7G/w200-h150/0416202109.jpg" width="200" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgs8sxt7Kj5nTnQFLXwA0ZRNtdLnd_AEQ5RWZ1qJB0DdkMMEMgY6OWN3uhYE9288zv9ayswUhnVmsxyazKTPqpsTXzhz10otUvPjdD-G_NunrBheT6NPLlZhWlDjpKlF5dfvR5p9-mSsbAq/s720/FB_IMG_1588455542849.jpg" imageanchor="1" style="clear: right; display: inline !important; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="606" data-original-width="720" height="168" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgs8sxt7Kj5nTnQFLXwA0ZRNtdLnd_AEQ5RWZ1qJB0DdkMMEMgY6OWN3uhYE9288zv9ayswUhnVmsxyazKTPqpsTXzhz10otUvPjdD-G_NunrBheT6NPLlZhWlDjpKlF5dfvR5p9-mSsbAq/w200-h168/FB_IMG_1588455542849.jpg" width="200" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSgW61OaBPBEMTk1Xl9s6VRq3P88aHWvHG1PP_9gXgAQxD2lNkwYJaFHB_sKO8_7TGsgPw2XgxbEpW_HuUcL6617MOVFB5Z7UiRSj1qubDExnsMn3c00jbcSU6UaYyoQohCmjk5f5zRGMy/s4608/IMG_20200829_102831.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4608" data-original-width="3456" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSgW61OaBPBEMTk1Xl9s6VRq3P88aHWvHG1PP_9gXgAQxD2lNkwYJaFHB_sKO8_7TGsgPw2XgxbEpW_HuUcL6617MOVFB5Z7UiRSj1qubDExnsMn3c00jbcSU6UaYyoQohCmjk5f5zRGMy/w150-h200/IMG_20200829_102831.jpg" width="150" /></a><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyCgyy4fLPTEzlgEa134xCgioZ58ZAd9e5scvkQ0M2blnQjCiMDUu6Cqcis7SN4e75jCnGS-mIE5iagCselJhQfPYoTVibjemYB8oVCB9JeACwZ1XzZiBdbFkM6LZla-tiT8Ey9iVFi2aX/s720/FB_IMG_1589687907796.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="540" data-original-width="720" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyCgyy4fLPTEzlgEa134xCgioZ58ZAd9e5scvkQ0M2blnQjCiMDUu6Cqcis7SN4e75jCnGS-mIE5iagCselJhQfPYoTVibjemYB8oVCB9JeACwZ1XzZiBdbFkM6LZla-tiT8Ey9iVFi2aX/s320/FB_IMG_1589687907796.jpg" width="320" /></a></div><br /></div><p></p><p><b>We also got creative in our small space. We managed to go "camping" in the living room for hubs birthday, and find creative ways to eat and work that were "fun." </b></p><br /><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNSefGWC-085FRSjbZEnPMA7J2DT1oqlbMN6p0VYFsKvUQwDfOOOGcRR827wDYhRb8QMQ4qPjXog_2bHG5b7v21VGUn0D9yBsHJr_stZZgXbmiZ7qZMompAlBefFInRDNIyjfiTdurjRLn/s4160/0422201136.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3120" data-original-width="4160" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNSefGWC-085FRSjbZEnPMA7J2DT1oqlbMN6p0VYFsKvUQwDfOOOGcRR827wDYhRb8QMQ4qPjXog_2bHG5b7v21VGUn0D9yBsHJr_stZZgXbmiZ7qZMompAlBefFInRDNIyjfiTdurjRLn/w200-h150/0422201136.jpg" width="200" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxhnmuPlyyYgtTDbJ-EfH9ng1l3nS5iOmha7F1P02r4Tbu-XIR-tNaiAoPOy76rmW3gcQewH8Hj-GqiCoXPnhM4Qk1PLxMjODHWUBB01Ysomoi0KMO5LOin1iSaLwv1p2yEwue-eeF34is/s4160/0421201224.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3120" data-original-width="4160" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxhnmuPlyyYgtTDbJ-EfH9ng1l3nS5iOmha7F1P02r4Tbu-XIR-tNaiAoPOy76rmW3gcQewH8Hj-GqiCoXPnhM4Qk1PLxMjODHWUBB01Ysomoi0KMO5LOin1iSaLwv1p2yEwue-eeF34is/w200-h150/0421201224.jpg" width="200" /></a> </div></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzH8as3yhZWJnC4FWSFTEfgWcE7cs0Jsha6zVN61HrNGqyFsFtbTYNFAbeqn2Ihr03Ro0dpsH8k2As24X922dad8FxwRQ9r0dHxbK-4QMn6u-3q3ueKmdeQiVrjvAWBt_cjzWyIpRzE74W/s4160/0425201725.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3120" data-original-width="4160" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgzH8as3yhZWJnC4FWSFTEfgWcE7cs0Jsha6zVN61HrNGqyFsFtbTYNFAbeqn2Ihr03Ro0dpsH8k2As24X922dad8FxwRQ9r0dHxbK-4QMn6u-3q3ueKmdeQiVrjvAWBt_cjzWyIpRzE74W/w200-h150/0425201725.jpg" width="200" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_yNmhcjUPfK24Njm8iuifuYSyP8fOtX3PcGabZOf57ZdbQk4E6hrgojBdE1kXw4tU8PaTypRwdtDS8x5zz7FjSbnMLIlSCbK3YYBbwS-sea5-zZ2_-XfDkwaCFGtHilzATxFcDxexHkT6/s4160/0430202043a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_yNmhcjUPfK24Njm8iuifuYSyP8fOtX3PcGabZOf57ZdbQk4E6hrgojBdE1kXw4tU8PaTypRwdtDS8x5zz7FjSbnMLIlSCbK3YYBbwS-sea5-zZ2_-XfDkwaCFGtHilzATxFcDxexHkT6/w150-h200/0430202043a.jpg" width="150" /></a></div><br /><p><b>My center shut down, but opened quickly.</b> The first few weeks being at home and not knowing what was going on was really difficult. Luckily for me, we got creative with necessary work for a few weeks, and the Governor deemed Tennis as a safe activity. Despite closing down March 17 and dealing with a mess in April with part time hours and work justifications, we re-opened our tennis center on May 8, and I was back in the office full time keeping 1 center open by cleaning, disinfecting, and running a Skelton crew where we did it all and got creative to make it work. It was rough closing and then opening the next day and if it weren't for the YMCA daycare centers, I don't know how we would have made it through. I stayed at that location until last month, when we reopened my center for limited services. We are currently taking it a week at a time, addressing demand, and eventually preparing to return more operating hours as we are able.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbv7QUQ0QAv25Pck34Y7pYqXw2pEfyAs5oZyUs1PKhDI0PNZuAfSjvT_sU6SRa8EH8KTvvn6EY1mxjRxgNLCLXsHTKnPCOsCfu6qgfqYa8XuNOxWCnZpPSbCwj1-JNFjXebQnjMr6-79AO/s4160/0719201430.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="3120" data-original-width="4160" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhbv7QUQ0QAv25Pck34Y7pYqXw2pEfyAs5oZyUs1PKhDI0PNZuAfSjvT_sU6SRa8EH8KTvvn6EY1mxjRxgNLCLXsHTKnPCOsCfu6qgfqYa8XuNOxWCnZpPSbCwj1-JNFjXebQnjMr6-79AO/w200-h150/0719201430.jpg" width="200" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-NGAjigiIahNqPXkHBF9W-1-6jytWqN3DKxy2O3_PZ08tlG3fgp3jLyMpr7hvnZsvN_AklFszXHEszGnLQ5dUEu_F6zG46F8N5G4tFJGs1bb85eEcUGj-7BeO-4iUG9q2zQPqCYDPakm_/s4160/0719201431a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3120" data-original-width="4160" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-NGAjigiIahNqPXkHBF9W-1-6jytWqN3DKxy2O3_PZ08tlG3fgp3jLyMpr7hvnZsvN_AklFszXHEszGnLQ5dUEu_F6zG46F8N5G4tFJGs1bb85eEcUGj-7BeO-4iUG9q2zQPqCYDPakm_/w200-h150/0719201431a.jpg" width="200" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfFCTonc8lfkTIm1zjunbNgPy1gIVBs8Z6aUSYO1A8UOzJc5-kPENUfIyNY3rgNY7n34mb2uiYypq8TY8PBNz_PbgIANOoRkPBMr8WuooeZKSr4pCBrN0LEwejyrSZMDu7o1JjbYiyfG_J/s4160/0721201513.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfFCTonc8lfkTIm1zjunbNgPy1gIVBs8Z6aUSYO1A8UOzJc5-kPENUfIyNY3rgNY7n34mb2uiYypq8TY8PBNz_PbgIANOoRkPBMr8WuooeZKSr4pCBrN0LEwejyrSZMDu7o1JjbYiyfG_J/w150-h200/0721201513.jpg" width="150" /></a></div><br /><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><b>We Survived home improvement... </b>Yup, a whole flooring post is in the works recapping what happened, as we are still waiting on final decisions with our HOA on who pays for what. </p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOhS2Rnrs_-RhQdZpiVbOwGS-lWscsMdqXSEjVDcV_e4UEdWQhBazK2QDt2UmZgJ-nGwWK4rxIZdCefOkUEhnKxD2zI6QNgfIlAAkzmjnlR-eeRm0zgDGgr2ZE4Rn_1oW3buhFdIp_ilp6/s4160/0817200643.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOhS2Rnrs_-RhQdZpiVbOwGS-lWscsMdqXSEjVDcV_e4UEdWQhBazK2QDt2UmZgJ-nGwWK4rxIZdCefOkUEhnKxD2zI6QNgfIlAAkzmjnlR-eeRm0zgDGgr2ZE4Rn_1oW3buhFdIp_ilp6/w150-h200/0817200643.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjccXPGiqY99g9Jbufmf0NOSh04pUxCUW0hYDQtMjPL0kJTtPSuBKf4y8HcPzDaaIvCxIH9Y2ifzm7vs8NEX7Hi2iy7-fXC3cYUx3aRaHJ0hJuwXdgUluypzUMwumKV5Qw3FJCsiD10-pFY/s4000/IMG_20200913_111422.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4000" data-original-width="3000" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjccXPGiqY99g9Jbufmf0NOSh04pUxCUW0hYDQtMjPL0kJTtPSuBKf4y8HcPzDaaIvCxIH9Y2ifzm7vs8NEX7Hi2iy7-fXC3cYUx3aRaHJ0hJuwXdgUluypzUMwumKV5Qw3FJCsiD10-pFY/w150-h200/IMG_20200913_111422.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhF57mD1rk8Iq6DocHc32TRCYf-05dStXKjNQoD8WfLrRkpL5eJVgqgOnnlDJSDu6j7nWXla6fE7nH0kWbGOTmkbB8n3z30y3TT9nXAry9UguEQNQmegBb55gsVJFf9ahxWuEdu0uaN_WKk/s4160/0814200928.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhF57mD1rk8Iq6DocHc32TRCYf-05dStXKjNQoD8WfLrRkpL5eJVgqgOnnlDJSDu6j7nWXla6fE7nH0kWbGOTmkbB8n3z30y3TT9nXAry9UguEQNQmegBb55gsVJFf9ahxWuEdu0uaN_WKk/w150-h200/0814200928.jpg" width="150" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRJWkhEucPfUP3Kd8g2FSWh6fI3ETUOZSn1mfnHYMyBhUYZHA5RSJ6_RWM-0W147vjtCTpNqjSPHdpzZDQhM4U4VwBRgjmjCByz4x_4FG4VixKW84pxkjscCgUYvtlh37vVgKpZKzoi4S-/s4000/IMG_20200930_190155.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="3000" data-original-width="4000" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRJWkhEucPfUP3Kd8g2FSWh6fI3ETUOZSn1mfnHYMyBhUYZHA5RSJ6_RWM-0W147vjtCTpNqjSPHdpzZDQhM4U4VwBRgjmjCByz4x_4FG4VixKW84pxkjscCgUYvtlh37vVgKpZKzoi4S-/s320/IMG_20200930_190155.jpg" width="320" /></a></div><br /><p><b>Emotionally, 2020 has been rough --but not without hope. </b>Along the way, I felt the love of my heavenly father, reassuring us we would be okay. From double rainbows on a rough day, to finding over 20 four leaf clovers in a grass patch by our front door, when I needed those reassuring moments, they came... and I'll be forever grateful for them. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxGC-YAzgCi2Qk_5kbntLI9hUHHPUCqZXXA__rAWwDFxJ06wDKhaUazIrEzcX1F63Ys2SMCt1Q45ca20wxhZ6tB-7rKOTa9nfd2Sf8H6DGoSC4Q8eSFKrlY3NsjotA__18532hKcIxNBUe/s4160/0315201605.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxGC-YAzgCi2Qk_5kbntLI9hUHHPUCqZXXA__rAWwDFxJ06wDKhaUazIrEzcX1F63Ys2SMCt1Q45ca20wxhZ6tB-7rKOTa9nfd2Sf8H6DGoSC4Q8eSFKrlY3NsjotA__18532hKcIxNBUe/w150-h200/0315201605.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtRk51XueeNkDY1S3btYyfPTU2ewyEs0w6IQeSDQj84bjKEFDm63QX6QtOwcqSX5VPNClLpAv2canFmR1g94S1dHWpYXEBx0bCReXxSrOzxEokAL7DrJGxy8NRq37WVdDZoMc973gMh6mD/s4160/0315201603.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtRk51XueeNkDY1S3btYyfPTU2ewyEs0w6IQeSDQj84bjKEFDm63QX6QtOwcqSX5VPNClLpAv2canFmR1g94S1dHWpYXEBx0bCReXxSrOzxEokAL7DrJGxy8NRq37WVdDZoMc973gMh6mD/w150-h200/0315201603.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjL9qZ4aQzePsBxbyVS0LgCjoG_8136BCj6FhixHEjgqdN9Jl-jzCTFFn6E4AKOXonpiMRBsH6F5rPQYnfEHxoPRJ9MeSlWNi88rn3h7cGSxNuvsNsCivjJ2J7dRgz2hX4JImf0klwTXC9Z/s4160/0319200728.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4160" data-original-width="3120" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjL9qZ4aQzePsBxbyVS0LgCjoG_8136BCj6FhixHEjgqdN9Jl-jzCTFFn6E4AKOXonpiMRBsH6F5rPQYnfEHxoPRJ9MeSlWNi88rn3h7cGSxNuvsNsCivjJ2J7dRgz2hX4JImf0klwTXC9Z/w150-h200/0319200728.jpg" width="150" /></a></div><br /><p>When our Bishop called to see if we were laid off, could make our mortgage payment, or needed assistance, we got to tell him we would be alright because we did the things we were asked to do when times were more certain. At first he didn't believe us, but by the second check-in call, he realized we would whether this storm. We know we are extremely fortunate to have been able to be as prepared as we were for the unknown.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOxxqOIISTfEkLGa1Q4VxZ7BLIyPAyBt2sCO2WhUIaauVdURFI3IxxuZ2oJKS1w9lr5Bgf87Aw64RwsgxcBSUHCYVSU0de_CXHtW8b2Ml_tO4yDwAjsdI8Pkr1k_k2ckPz5GzToReF5MyX/s2048/0410201914_HDR.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1536" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOxxqOIISTfEkLGa1Q4VxZ7BLIyPAyBt2sCO2WhUIaauVdURFI3IxxuZ2oJKS1w9lr5Bgf87Aw64RwsgxcBSUHCYVSU0de_CXHtW8b2Ml_tO4yDwAjsdI8Pkr1k_k2ckPz5GzToReF5MyX/s320/0410201914_HDR.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhcEyc7zn94urZbNloDLIcV-flbnnjZ988jSoFUUdmVOjfkgx3WOznCnSmOZN0Y6Qcb-fgu9wugowtPsiJ2AyvDV-t2Zn6x9b6jSD9zPWmYG7jXad0usE77kGFM0T0YGFZGONj-ZqxNdJRU/s1195/USER_SCOPED_TEMP_DATA_MSGR_PHOTO_FOR_UPLOAD_1586725188389.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="720" data-original-width="1195" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhcEyc7zn94urZbNloDLIcV-flbnnjZ988jSoFUUdmVOjfkgx3WOznCnSmOZN0Y6Qcb-fgu9wugowtPsiJ2AyvDV-t2Zn6x9b6jSD9zPWmYG7jXad0usE77kGFM0T0YGFZGONj-ZqxNdJRU/s320/USER_SCOPED_TEMP_DATA_MSGR_PHOTO_FOR_UPLOAD_1586725188389.jpeg" width="320" /></a></div><br /><p><b>Society Changed. </b>We waited in line with masks on to enter grocery stores, and banks with lines wrapping around the buildings.... We got close to running out of toilet paper before we found more and hub's boss ordered in bulk for the business, offering rolls to employees if they got in a bind.... We did our best to stay apart from the rest of the world -- including birthdays. Before car drive-bys, lawn signs, and door drops were a "thing" -- we celebrated with the power of three in our home, making the most of what we could. </p><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0HY6kpJTBntCQESx7K4zIyliIv0__e0tKZwd-fwh0GFezPfMHJYUQA5OF6tweIkhC2j9T6l_b22Ui_IyxsDC_s9gVXxUqEh2hlA53UqxZ_lJyvttU-w68Z42PF8gu39M4n3jvVULfQ__M/s2048/0424201152.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1536" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0HY6kpJTBntCQESx7K4zIyliIv0__e0tKZwd-fwh0GFezPfMHJYUQA5OF6tweIkhC2j9T6l_b22Ui_IyxsDC_s9gVXxUqEh2hlA53UqxZ_lJyvttU-w68Z42PF8gu39M4n3jvVULfQ__M/s320/0424201152.jpg" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4eLEyHuzedYj_nZ4_FAAiw6L5i-cE9wGnZpnG938kRnMIjDbLq-g0TUBjBcJK999Q0JYcxXYoWpkhiyhu98eFUm-4JFxhJy0rS2EWiunczaS5fGWY6f_8ZyTSo_XGpvIGT_A3DnwMY9Z5/s2048/0510201251.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1536" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj4eLEyHuzedYj_nZ4_FAAiw6L5i-cE9wGnZpnG938kRnMIjDbLq-g0TUBjBcJK999Q0JYcxXYoWpkhiyhu98eFUm-4JFxhJy0rS2EWiunczaS5fGWY6f_8ZyTSo_XGpvIGT_A3DnwMY9Z5/s320/0510201251.jpg" /></a></div></div><br /><p><br /></p><p><b>Our priorities changed. </b> Nothing like a pandemic to teach you about what matters most right? Well, weren't immune to that. </p><p>I made some BIG health changes.... I realized I needed to get serious and reached out to a health coach to get to the bottom of why I couldn't loose weight. 5 months later, and I've lost 38 lbs on my five foot self, so I'm about 5 lbs shy of my pre-pregnancy weight without access to a gym... and the best thing is, I can MOVE again. My migraines are gone... I don't need naps, and I have balanced energy. The downside and upside is that I have had to replace every single piece of clothing in my closet as a result... and if you have every had to buy clothes without access to a dressing room since they are all closed due to a pandemic, it can be pretty darn stressful... especially when you need to do it every 6 weeks after you loose another 10 lbs.... So I'm getting really good at eyeballing sizes, lol.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxGwQGsyN_MkTMy2Iipzu4NLWlqQ9-VjHOYU2-t3YzEdqcxbv351OwiY35eLpf2sGjCxDltsJ3jFLYoR7dYzNQQBkxktPDZrS5Ud_eZ81x-5NuBtAcC5mvgh-ktGi7OEgfv2U0qwgtfLg2/s2048/IMG_20201001_162600.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1536" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhxGwQGsyN_MkTMy2Iipzu4NLWlqQ9-VjHOYU2-t3YzEdqcxbv351OwiY35eLpf2sGjCxDltsJ3jFLYoR7dYzNQQBkxktPDZrS5Ud_eZ81x-5NuBtAcC5mvgh-ktGi7OEgfv2U0qwgtfLg2/w150-h200/IMG_20201001_162600.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEih7awNGVXGdXj0mZ3Qoro75SyVqE_WGGGvvfa8UivBb6s-LmAZwxUm6juL64R1Sv9HZGdOlbZAny8_iDjeyNFeILXx4_9-Kx-EQTGGBkm1e6IOUxYZgFN2sdiP2R666nSBxlhfsc9ZFKGk/s2048/IMG_20201011_092848.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1536" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEih7awNGVXGdXj0mZ3Qoro75SyVqE_WGGGvvfa8UivBb6s-LmAZwxUm6juL64R1Sv9HZGdOlbZAny8_iDjeyNFeILXx4_9-Kx-EQTGGBkm1e6IOUxYZgFN2sdiP2R666nSBxlhfsc9ZFKGk/w150-h200/IMG_20201011_092848.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHYzYKAJ0GIJTgV-2i_uw02iZpWjVsC-91Jwt6v19K6nPD3twX2415XK9HzXY35Dp-gYwzGmSWCu8l5Weeg4USeqjz43aE6YbsuPTuiMfqrHsukeo2J2hnH6u3xUfCscPGj05zxD4_i8Qu/s2048/IMG_20201016_164312.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1536" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHYzYKAJ0GIJTgV-2i_uw02iZpWjVsC-91Jwt6v19K6nPD3twX2415XK9HzXY35Dp-gYwzGmSWCu8l5Weeg4USeqjz43aE6YbsuPTuiMfqrHsukeo2J2hnH6u3xUfCscPGj05zxD4_i8Qu/w150-h200/IMG_20201016_164312.jpg" width="150" /></a></div><br /><p>We also measure time differently. Weekends don't feel long enough, and time off is valued since its more difficult to manage and I know more about what I enjoy working on and what feels more like a chore.</p><p> We spend more time outside as a family, but I also have made a point to carve out time for individual self care, which was practically non-existent before. I've learned to say no more often too. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2J137w1oY6iH5pxw392-CI6VWKOzZmGVjwoj1GZYs8xwm2iojq_QsbX9K557YbTpwZlDuiuD1TvFDz8gxXVRB1M1bJeYq7t-YdGFeDhMJQ5v02O5MXmtpUFBcUlp6nIHcvilWFyI_kenM/s2643/IMG_20200607_110845.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1189" data-original-width="2643" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2J137w1oY6iH5pxw392-CI6VWKOzZmGVjwoj1GZYs8xwm2iojq_QsbX9K557YbTpwZlDuiuD1TvFDz8gxXVRB1M1bJeYq7t-YdGFeDhMJQ5v02O5MXmtpUFBcUlp6nIHcvilWFyI_kenM/w400-h180/IMG_20200607_110845.jpg" width="400" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkCdaLh1ZNUSJRizS1zd1l0deulNXCu1wIiU7UmVLz8Hi2JguEjqAuacwXZDpDJVSikjmn2q44RcxiYKiN5naXNJkyKbqVuYAlM7UBWOUZju7Czmnl6z39D_bZRK6f7gnY7pSCDv8L9sA-/s2048/IMG_20200607_112759.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1536" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkCdaLh1ZNUSJRizS1zd1l0deulNXCu1wIiU7UmVLz8Hi2JguEjqAuacwXZDpDJVSikjmn2q44RcxiYKiN5naXNJkyKbqVuYAlM7UBWOUZju7Czmnl6z39D_bZRK6f7gnY7pSCDv8L9sA-/s320/IMG_20200607_112759.jpg" width="320" /></a></div><br /><p><b>We didn't go to church for 8 months... </b>and now, we only go every other week as they split the congregation in half. Masks are mandatory, there is no singing, just instrumental music, we do a shorter service, and ushers seat everyone 6 feet apart in both directions, blocking off pews and rows to ensure social distancing. Heck, we even park every other car in the lot, use one entrance and a separate exit, and they clean the building afterward each group is through with the service.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbGoH__13YXnCuAv86T-y263odqRDvQtIn4YAKgfP4R58vfonCIdZYyZXupXJnHcMAEjLTKxCpf4K-i72XqaTVthNPo_hB3ClOxksMYL3iV5aWo79TTxWfd0_XM1PIZIxvysVXvEqatqsS/s2643/IMG_20200624_055102.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1189" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbGoH__13YXnCuAv86T-y263odqRDvQtIn4YAKgfP4R58vfonCIdZYyZXupXJnHcMAEjLTKxCpf4K-i72XqaTVthNPo_hB3ClOxksMYL3iV5aWo79TTxWfd0_XM1PIZIxvysVXvEqatqsS/s320/IMG_20200624_055102.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTRM3t9E_QprjroGTkQpL28oERZCAX_Fo7ur9Ma8nrUfocqsZkQMBzkujZjCylxOZi_zvIEdCrhHtNnfC5Iu32UnGZM-lDGjZJEiqCPbRs1gthK0rtqix2yenY6_s3RO5deYQ_aggvfbUq/s2643/IMG_20200628_092652.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1189" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTRM3t9E_QprjroGTkQpL28oERZCAX_Fo7ur9Ma8nrUfocqsZkQMBzkujZjCylxOZi_zvIEdCrhHtNnfC5Iu32UnGZM-lDGjZJEiqCPbRs1gthK0rtqix2yenY6_s3RO5deYQ_aggvfbUq/s320/IMG_20200628_092652.jpg" width="320" /></a></div><p>Towards the end of summer, our immediate family began to gather together for outside stuff because the separation was just too hard and they were ready (we were the riskier ones in the bunch, having to work outside the home with little dude at a daycare). My Sister and Brother in law are working from home, caring for their kids, my mom lives alone and helps them with their kids a couple days a week, but they said it was time, so this has been our concession. Still, we keep it to a minimum. </p><p>Halloween will be an at home event this year. Costumes and a candy scavenger hunt while we do movies and some crafts. We carved pumpkins for the first time too early, but they lasted 2 days or so and looked cool. Thanksgiving will be a trio event as my sister will be hosting more family on her husband's side, and we are staying home. Christmas will be immediate family only at my mom's house (sister, bro in law, her two kids, my mom and us most likely -- and we won't stay all day either). </p><p></p><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgE5LrZaHH0KYCJtBKbgIC1z0TqYO7Ora9oRf0If_z5c0jh57LZsulw9qtuC3zBAvFAiLnFp5slHZ5F9FvaVrQmsCd2HWZK-4_ubgwpqJZbrAsASuBIQ6RawGOaLCbRsEjxJnz94CmdS42/s4000/IMG_20201018_151550.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4000" data-original-width="3000" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgE5LrZaHH0KYCJtBKbgIC1z0TqYO7Ora9oRf0If_z5c0jh57LZsulw9qtuC3zBAvFAiLnFp5slHZ5F9FvaVrQmsCd2HWZK-4_ubgwpqJZbrAsASuBIQ6RawGOaLCbRsEjxJnz94CmdS42/w150-h200/IMG_20201018_151550.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwQk3mi8plkpsw_JiNSTDlVpaUtDwmz9br24XLBr_4HWX5Jifk-D_K9Voo2-ULNA53rLON1Cl21Vt8269VdhwjO6HHJ4KFm30UyGPJ2LpsAy_nwlGeXpSE1rXpEoH3LgzKt7WSI_Ek-3pW/s4000/IMG_20201018_125623.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4000" data-original-width="3000" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwQk3mi8plkpsw_JiNSTDlVpaUtDwmz9br24XLBr_4HWX5Jifk-D_K9Voo2-ULNA53rLON1Cl21Vt8269VdhwjO6HHJ4KFm30UyGPJ2LpsAy_nwlGeXpSE1rXpEoH3LgzKt7WSI_Ek-3pW/w150-h200/IMG_20201018_125623.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEix78ciFAprUAhFkUEWEMBju4i-LM35R05VOGffaidL3pF_EpCAg84qrJVm5s1zwk-RY_9lVO29z4ya5g7ymwbh9XiQDbJPv87Xw1Kis1SsBvO3RQkTTVvZllEXFIqDzpIPoNZZEOqucz6U/s4000/IMG_20201018_132602.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="4000" data-original-width="3000" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEix78ciFAprUAhFkUEWEMBju4i-LM35R05VOGffaidL3pF_EpCAg84qrJVm5s1zwk-RY_9lVO29z4ya5g7ymwbh9XiQDbJPv87Xw1Kis1SsBvO3RQkTTVvZllEXFIqDzpIPoNZZEOqucz6U/w150-h200/IMG_20201018_132602.jpg" width="150" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><b>California is on Fire. </b>Yup, as I write this half our church boundaries have been ordered to evacuate, and little dudes school and daycare are closed due to the ash in the air. There are road closures too close for comfort by our home, and so we did something we didn't think we would in 2020 after everything else the year gave us ... we pulled important documents and packed go-bags with the basics. It made me really evaluate what I could live without if a fire were to run through and take away everything. Thankfully we remain in our home for the time being, with sleeping bags and a duffle of clothes by the door if we have to go... but fire season in 50 mph winds is no joke. <p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOHq614gxFEHt5TI0NH_o5SFQ-vtZx2zUcK__51xIJh8DV3jlYSjnG8dupAjymJwSVQjFUQjqR27m6MzftYSTqFlZgg7Ksy-uwL2xf5sNlk2ymn-T7mfS_g12tYH0Yjx-g1GiMLw9cfoZ_/s2643/IMG_20201026_191541.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1189" data-original-width="2643" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOHq614gxFEHt5TI0NH_o5SFQ-vtZx2zUcK__51xIJh8DV3jlYSjnG8dupAjymJwSVQjFUQjqR27m6MzftYSTqFlZgg7Ksy-uwL2xf5sNlk2ymn-T7mfS_g12tYH0Yjx-g1GiMLw9cfoZ_/s320/IMG_20201026_191541.jpg" width="320" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYev4H-YN-bFmK1d8TIXxBJjNvXOQVFSyriy7wx9hhA7IihRPUF9hhTWnMZJobz-49I2yjkGjMenN5ePR7550oU17pjBJtLzaI8dYi4F0msUqD3koLMMEdkQ8ebLNgWrk-XKBuBuZfBSio/s2048/IMG_20201026_210418.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1536" data-original-width="2048" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYev4H-YN-bFmK1d8TIXxBJjNvXOQVFSyriy7wx9hhA7IihRPUF9hhTWnMZJobz-49I2yjkGjMenN5ePR7550oU17pjBJtLzaI8dYi4F0msUqD3koLMMEdkQ8ebLNgWrk-XKBuBuZfBSio/s320/IMG_20201026_210418.jpg" width="320" /></a></div><br /><p>We have 65 days left for 2020. I'm not sure what else we can endure, but we will meet it when it shows up because we are resilient... 2020 is the year you put on your pants despite the "zoom attire" and get in the trenches and come out better then before. </p>South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com2tag:blogger.com,1999:blog-5409437835427293169.post-90889847971920905552020-02-25T07:16:00.000-08:002020-02-25T07:16:07.723-08:00Floor updateSo, we stopped ripping up our own flooring after we noticed our carpet getting damp in our bedroom in June of 2019...We contacted the HOA... They sent out a plumber to determine there wasn't a slab leak...<br />
<br />
After the plumber, they sent us a rock and soil specialist who just looked through our property and recommended we have a second plumber rule out a slab leak because his methods would be expensive... So the HOA sent a second plumbing company to the property, and again confirmed we don't have a slab leak.<br />
<br />
A lot of delays around the holidays go by and the carpet continued to get damp in our master bedroom.... So the HOA dispatched the rock and soil expert back out to our property to drill 2 cores.... and now we are the proud owners of concrete that has been drilled through.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7UaQ5JQd1jT2Je0rsu2pL019Zh-lBXMmxNa62zT6mTU8JuwROnEBQk-f_JdT5MF5906dNWCotPs7i1LPvyiggckB2a-o_Tr0xj3jFLNO4mL_uyjiszxdg1qEGlNC35dw1PORlyoUnAuVW/s1600/0225200644a.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7UaQ5JQd1jT2Je0rsu2pL019Zh-lBXMmxNa62zT6mTU8JuwROnEBQk-f_JdT5MF5906dNWCotPs7i1LPvyiggckB2a-o_Tr0xj3jFLNO4mL_uyjiszxdg1qEGlNC35dw1PORlyoUnAuVW/s320/0225200644a.jpg" width="240" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtQ2_TQY4nr0CP-_C6Nde18sCZyCZKuBZsOs-BA_n5OxPiAQL3dZi4kWiaNi1TWaYRR3nqelC5TCX5dyzCpcmH9qwKQ-DNCqy9EIGskFtUcJajfxEW07Tov-ziRPPVTE47h5_-9vE3474h/s1600/0225200644.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtQ2_TQY4nr0CP-_C6Nde18sCZyCZKuBZsOs-BA_n5OxPiAQL3dZi4kWiaNi1TWaYRR3nqelC5TCX5dyzCpcmH9qwKQ-DNCqy9EIGskFtUcJajfxEW07Tov-ziRPPVTE47h5_-9vE3474h/s320/0225200644.jpg" width="240" /></a></div>
<br />
They filled them back in when they were done, but they needed soil samples to make sure the soil under us was draining well (it is)... and the wanted to check to see if we had a moisture barrier under our floor or not... (which we do and don't have ... proving i've been right all along).<br />
<br />
The picture on the right is in our kitchen. The chose to drill here because we didn't have flooring they would have to rip up to access a sample site. This area has a barrier, and has almost fully dried up as they did this hole 5 days ago. <br />
<br />
On the Left is our toddler's bedroom where we found tons of standing water underneath the tile when we removed it in January of 2019, and contacted the HOA... This is the room where we regularly need to sweep efflorescence powder that comes up from the concrete in the corners of the room, (another thing the HOA is aware of). Notice how the patch is still brown.... its not fully dried and cured.<br />
<br />
That's because they never put a moisture barrier in this room... and they didn't pull a core sample from our bedroom, where the carpet is that gets damp, because they would have had to pull back our carpet and we had other areas they could test.<br />
<br />
The rock and soil specialists are running tests on the core samples they pulled, but their diagnosis is that our floor was not properly sealed, which explains the dampness we have experienced.<br />
<br />
<ul>
<li>It probably also explains our dogs allergies.... </li>
<li>my allergies (my entire life I've never needed an inhaler until we move here)... </li>
<li>my husbands allergies... which got worse when we moved here, including hives and facial swelling... </li>
</ul>
<br />
So now we wait and the geo-rock specialist is going to contact some contractors to see if there is an after market product they can apply to the concrete to seal it... if not, I don't know what the next steps are. <br />
<br />
But I have a feeling i'll be contacting my homeowners insurance...South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com2tag:blogger.com,1999:blog-5409437835427293169.post-11682074897036628732020-02-07T04:30:00.000-08:002020-02-07T04:30:06.849-08:00Annual Goals 2020<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXY9b-pRnXGt7_bp1XrEza64VYTgxnIb7jF8AXU6rXxheoRHBOitR2VyVJApVJeGRiuDaiiOoRqgrXhdRVw4j85r12j2gnZYuR7GsAKYDwo-ZSDO_TT1NkaXymLNks_vYpsS9PZ4bIFp4k/s1600/download" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="211" data-original-width="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXY9b-pRnXGt7_bp1XrEza64VYTgxnIb7jF8AXU6rXxheoRHBOitR2VyVJApVJeGRiuDaiiOoRqgrXhdRVw4j85r12j2gnZYuR7GsAKYDwo-ZSDO_TT1NkaXymLNks_vYpsS9PZ4bIFp4k/s1600/download" /></a></div>
It's been a year since we made <a href="https://southcountygirl.blogspot.com/2019/02/2019-annual-goals.html">our annual financial goals for 2019</a>, and its time to check in on these and see how we did... and set goals for 2020!<br />
<br />
We broke our goals up in three categories:<br />
<ol>
<li>Things that don't cost us money</li>
<li>Things that cost us money</li>
<li>Long term goals</li>
</ol>
<b>1. Be more purposefully with our spending</b>. When I was going through <a href="https://southcountygirl.blogspot.com/2020/01/what-we-spent-in-2019.html">what we spent in 2019</a> I didn't have any bad gut check reflexes that we spent too much or on the wrong stuff. I feel great about the purchase of our Subaru, even though it was a year earlier then planned, and made a mess of all of our other annual goals for the year. This is how I like to feel at the end of the year, not guilty about what we spent. Sure there were things we purchased last year that don't have a place in our home now, but we realized by buying a cheaper item, what we really needed to "get the job done," and then spent funds on that to make things easier. In terms of <b>tracking our finances with more detail </b>we ended up with more un-categorized receipts by the end of the year, but we also spent more money over all. I also added more categories to itemize, and with the year we had, i'm not going to beat myself up about it.<br />
<br />
<b>2. Replenishing our savings accounts</b> (vacation, expansion of 6-month EF, new car fund), all of these were initially completed, and then we drained accounts to come up with an extra $10,000 to pay cash for our Subaru, a decision I don't regret one bit. Despite the bigger car, I get better gas mileage then I did in my old camry and we finally all fit in a car without feet kicking us. We were able to put back the money we "borrowed" from our Medical, Pup, and electronic accounts already, while cash flowing through the holidays... but we still need to put cash back into our expanded EF, and the vacation fund. We would have made more progress, but we took things one step further with my last raise and began <b>regularly adding more money</b> to our mortgage payment on a monthly basis, paying it down as if it were a 20 year mortgage, instead of a 30 year mortgage. We have a habit of doing this when we hit year two of a property, even though we aren't done with our renovation. <b>As for 15% going to Retirement, </b> we kept this going strong and counted employer matches to get us there.<br />
<br />
3. We had hoped to finish <b>painting </b>interior doors and trims, <b>remove all of our tile</b>, get our stuff into <b>storage</b>, to <b>put in new flooring</b>, and figure out how to <b>fix the kitchen</b> so that we could get a second pantry and more shelves and match all the doors.... take our stuff out of storage... build the rest of the built ins and install our base boards and paint them... But... since we cash flow repairs and realized the kitchen cabinet expansion would need to go in first before the floors, we got the tile out of the dinning room area, gave the kitchen a face-lift with a second pantry, floating shelves, swapped some cabinets for drawers, and put new doors on everything that are solid construction and easy to clean. WE LOVE IT.... but that's all we got done this year because in the process of removing our tile, we noticed our bedroom carpet getting wet in the summer where our chair protector plastic mat was placed. After 2 plumbers came out and confirmed no slab leak, we had a few meetings with the HOA, and their lawyers.... and a geologist taking a walk through of our place..... The result is that our concrete might not be properly sealed, and the HOA lawyer has determined that this is their responsibility to fix... which means they may be on the hook to rip out all of our flooring at their expense, and seal the concrete. We would then file a homeowners claim on our insurance to replace our baseboards and flooring. SO, due to this discovery, we stopped ripping out our own flooring after this was reported in June to our HOA...<br />
<br />
<b><span style="font-size: large;">So what are we going to do in 2020??? Well, A LOT </span></b><br />
<span style="font-size: large;"><br /></span>
I'm determined to actually finish the first 6 things by summer... and i'm a motivated gal right now, because the finish line is practically here. <b> So here's hoping for a smooth process.</b><br />
<br />
<ol>
<li>Put all of our savings accounts we borrowed from back. </li>
<ol>
<li>Emergency Fund: $5,175</li>
<li>Vacation: $1500</li>
<ol>
<li>We sold some of my extra PTO hours back in January, and we have an extra paycheck week in January as well, so we are hoping to do some serious denting on these numbers by the end of the month.</li>
<li>Tax returns are coming around the corner, and I think we are on par for a refund based on my initial numbers, which will help, and hopefully get these back and stocked up before profit share time.</li>
</ol>
</ol>
<li>Begin saving money up again to replace Hub's car once initial funds are set up. We hope to do 10,000 a year for 3 years so he can get something he will have for the next 10 years. We won't get 10k this year, but we will start it back up, with the idea that in 4 years, his car is replaced. </li>
<li>Finish painting the interior doors before new flooring goes in, cause its easier to do now when we know all the flooring is getting ripped up...</li>
<li>Get our concrete floors sealed, and figure out what I have to do to file a homeowners claim for new floors... Which means eventually moving all of our stuff out into storage since we don't have a garage, getting the floors sealed... and then navigating install of new flooring through my homeowners policy... and getting all of our stuff back from storage... and you know... hopefully staying in our condo while all this takes place.</li>
<li>Purchase living room built ins and install them on new flooring, which is our last inside project!</li>
<li>Do baseboards if home policy won't cover their install... and paint them.</li>
</ol>
<br />
<b>After those goals are done, we plan to do the following to set us up well for our futures:</b><br />
<ol>
<li>Jack up retirement to 15% without counting matches. </li>
<ol>
<li>How are we going to do this? We will be done paying for preschool/daycare in September. Little dude starts Kindergarten at the public school and the city runs a low cost after school program on campus until 4:30 or 4:45, when Hubs will pick him up... which means we only have to manage summer camps now!</li>
</ol>
<li>Jack up the mortgage repayment to equal a "15 year" loan when we are done paying for Preschool.</li>
<ol>
<li>This place isn't our forever home, that one will include space to garden and a garage... so we want to pay down our loan for the increased equity. </li>
<li>That way when we sell, we can roll over the money to help pay for another home. We hope our next purchase will be our last... but depending on where we want to retire, it might not be. But we are hopeful that we will be able to move when we can still enjoy our time in the place and hopefully have around 10 years there to make the buy/sell worth it. SO paying it down now, we give us more flexibility and a 4% return, which is better then we would get parking funds in a savings account.</li>
</ol>
</ol>
<div>
<br /></div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-38563028104716001502020-01-31T04:30:00.000-08:002020-01-31T04:30:04.078-08:00January 2020 Mortgage Update<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcrZj4iu2d57dCRGlauDsb9UZ7RyBcYyk4bzL8mhduEgBS9na6WEiDpQm1YecAviGY-Jnob1m5PFPuvQA24AXSycgRHGmxk0qIXI3k-7zUqm7TyZAdXdPWUesppD1E__mCfZ1DlUu0TCEC/s1600/home.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1024" data-original-width="683" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcrZj4iu2d57dCRGlauDsb9UZ7RyBcYyk4bzL8mhduEgBS9na6WEiDpQm1YecAviGY-Jnob1m5PFPuvQA24AXSycgRHGmxk0qIXI3k-7zUqm7TyZAdXdPWUesppD1E__mCfZ1DlUu0TCEC/s320/home.jpg" width="213" /></a></div>
Current Mortgage Balance:$150,983.63<br />
<br />
Payment: $763.86 + $205.14 additional principal<br />
Total principal paid: $464.86<br />
Interest paid: $504.14<br />
<br />
Total interest paid on the new loan to date: $16,147.77<br />
Estimated Value: $337,089*<br />
<br />
*<i>Until the improvements are finished, we are keeping the value at our property tax level because no one likes an unfinished project.</i><br />
<i><br /></i>
Before making this payment, our mortgage payoff date was January 2047... But by paying an extra $205.14 this month, our pay off date moved up to December 2046. That $205.14 we tossed out the mortgage this month just saved us $795.24 in interest payments over the life of our loan.<br />
<h2>
Getting The Keys</h2>
If your just catching up with our house buying and selling story, you'll want to check out <a href="http://southcountygirl.blogspot.com/2017/07/single-bedroom-condo-sale-specs.html">the re-cap post on our 1 bedroom condo.</a> <b style="font-family: "times new roman";">Our starting profit from the sale of our condo was $181,691.35. </b><span style="font-family: "times new roman";">From there, we purchased a 2 bedroom condo in the same complex. Our very extensive down payment came from the profits we rolled over from the sale of our first place.</span><br />
<div>
<div style="font-family: "times new roman";">
<ul>
<li>Down payment: $164,000 (100% profit from our first sale)</li>
<li>Inspection: $300</li>
<li>Admin/Origination charges: $899</li>
<li>Processing Fees: $495</li>
<li>Appraisal: $410</li>
<li>Flood Cert: $11</li>
<li>County taxes: $46.78</li>
<li>Endorsement Fee: $25</li>
<li>Recording Grant Deed: $9</li>
<li>Recording Trust Deed: $57</li>
<li>Notary Fee: $175</li>
<li>Messenger fee" $25</li>
<li>Archiving fee: $80</li>
<li>E-Document fee: $100</li>
<li>Escrow fee: $798</li>
<li>Lenders title insurance: $357</li>
<li>Sub escrow Fee: $37.50</li>
<li>Recording fees: $150</li>
<li>Home Owners Insurance: $400</li>
<li>Prepaid Interest $140.24</li>
<li>HOA Dues (June) $93.33</li>
<li>HOA Dues (July) $350</li>
<li>HOA Processing Fee: $50</li>
<li>Lender Credits +$6.40</li>
<li>Seller Credits +$1,200</li>
<li>Escrow Refund +$572.85</li>
<li>Refund from INS on old place +$159.91</li>
</ul>
<div>
<div style="margin: 0px;">
<b>Money spend to move: $167,834.96.... </b><b>Remaining Profit from original sale: $14,589.16</b></div>
</div>
</div>
<div>
<div style="margin: 0px;">
<div style="font-family: "times new roman";">
We got the keys and the same day we moved in, we also started to remodel. (Yup, after the boxes were out of the u-haul, we ripped out our master bedroom closet the same day as it was broken and jenky as all get out!)... Here's what we have spent so far on the remodel.</div>
<ul>
<li>Washer/Dryer, fridge, delivery, install & dryer hoses<span style="white-space: pre;"> </span>$2,054.87</li>
<li><span style="font-family: "times new roman";">Stove, microwave, delivery, install, and stove plug + Plug labor</span><span style="font-family: "times new roman"; white-space: pre;"> </span><span style="font-family: "times new roman";">$1,055.13</span></li>
<li><span style="font-family: times new roman;">Reverse Osmosis System <span style="white-space: pre;"> </span>$233.53</span></li>
<li><span style="font-family: times new roman;">Tv Mount - Living Room<span style="white-space: pre;"> </span>$135.00</span></li>
<li><span style="font-family: times new roman;">USPS address change <span style="white-space: pre;"> </span>$1.00</span></li>
<li><span style="font-family: times new roman;">Bathroom shower rod, curtain, hooks, tub fixtures<span style="white-space: pre;"> </span>$234.47</span></li>
<li><span style="font-family: times new roman;">Windows / Slider door deposit<span style="white-space: pre;"> </span>$690.03</span></li>
<li><span style="font-family: times new roman;">Portable wire racks (3)<span style="white-space: pre;"> </span>$118.22</span></li>
<li><span style="font-family: times new roman;">3 Ceiling Fans<span style="white-space: pre;"> </span>$382.52</span></li>
<li><span style="font-family: times new roman;">Laundry Hose Connector<span style="white-space: pre;"> </span>$7.52</span></li>
<li><span style="font-family: times new roman;">Paint Samples, Keys, Impact Driver Accessories. tile samples<span style="white-space: pre;"> </span>$60.48</span></li>
<li><span style="font-family: times new roman;">Tools to remove nails from Cement and boards<span style="white-space: pre;"> </span>$27.95</span></li>
<li><span style="font-family: times new roman;">Electrical Parts<span style="white-space: pre;"> </span>$1,213.23</span></li>
<li><span style="font-family: times new roman;">Electrical Labor<span style="white-space: pre;"> </span>$1,850.00</span></li>
<li><span style="font-family: times new roman;">Ikea Bathroom + Toy Chest<span style="white-space: pre;"> </span>$1,266.78</span></li>
<li><span style="font-family: times new roman;">Paint Prep supplies and ceiling paint<span style="white-space: pre;"> </span>$214.28</span></li>
<li><span style="font-family: times new roman;">Drywall Costs<span style="white-space: pre;"> </span>$1,380.00</span></li>
<li><span style="font-family: times new roman;">Heater Repairs<span style="white-space: pre;"> </span>$1,146.94</span></li>
<li><span style="font-family: times new roman;">Painting Supplies<span style="white-space: pre;"> </span>$340.62</span></li>
<li><span style="font-family: times new roman;">Home Depot Supplies (Bathroom /shower) supplies<span style="white-space: pre;"> </span>$77.98</span></li>
<li><span style="font-family: times new roman;">Tub resurface<span style="white-space: pre;"> </span>$500.00</span></li>
<li><span style="font-family: times new roman;">Paint, Door Measure<span style="white-space: pre;"> </span>$124.72</span></li>
<li><span style="font-family: times new roman;">Home depot Vents and Spray paint<span style="white-space: pre;"> </span>$54.07</span></li>
<li><span style="font-family: times new roman;">Window coverings / Curtains/Rods<span style="white-space: pre;"> </span>$320.42</span></li>
<li><span style="font-family: times new roman;">Windows / Sliders /Final<span style="white-space: pre;"> </span>$6,210.27</span></li>
<li><span style="font-family: times new roman;">Paver stones, 2 plants, plastic sheeting<span style="white-space: pre;"> </span>$130.25</span></li>
<li><span style="color: blue; font-family: times new roman;"><i>*2017 Tax savings (Federal) <span style="white-space: pre;"> </span>-$1,125.00</i></span></li>
<li><span style="color: blue; font-family: times new roman;"><i>*2017 Tax savings (State)<span style="white-space: pre;"> </span>-$768.00</i></span></li>
<li><span style="color: blue; font-family: times new roman;"><i>**2017 "living in our condo savings" 6 months<span style="white-space: pre;"> </span>-$4,715.50</i></span></li>
<li><span style="font-family: times new roman;"> Home depot / CED - odds and ends <span style="white-space: pre;"> </span>$38.48</span></li>
<li><span style="font-family: times new roman;"> Ceiling Paint <span style="white-space: pre;"> </span>$24.49</span></li>
<li><span style="font-family: times new roman;"> Wardrobe, kitchen table, bed frame (Deliver $59) <span style="white-space: pre;"> </span>$1,215.09</span></li>
<li><span style="font-family: times new roman;"> Ikea (hinges, end table, storage cubes) <span style="white-space: pre;"> </span>$187.41</span></li>
<li><span style="font-family: times new roman;"> fix bathroom shower handle / Coat hook <span style="white-space: pre;"> </span>$28.45</span></li>
<li><span style="font-family: times new roman;"> Front door and interror doors <span style="white-space: pre;"> </span>$2,468.17</span></li>
<li><span style="font-family: times new roman;"> New shower + install +Fixtures <span style="white-space: pre;"> </span>$7,740.00</span></li>
<li><span style="font-family: times new roman;"> Water Shut Off <span style="white-space: pre;"> </span>$150.00</span></li>
<li><span style="font-family: times new roman;"> City Permits - Shower <span style="white-space: pre;"> </span>$170.50</span></li>
<li><span style="font-family: times new roman;"> Tools for tile removal <span style="white-space: pre;"> </span>$181.78</span></li>
<li><span style="color: blue; font-family: times new roman;"><i>**2018 "living in our condo savings" 12 months<span style="white-space: pre;"> </span>-$7,227.33</i></span></li>
<li><span style="color: blue; font-family: times new roman;"><i>*2018 Tax savings - State <span style="white-space: pre;"> </span>-$594.60</i></span></li>
<li><span style="font-family: times new roman;">Another 3 Ceiling fans <span style="white-space: pre;"> </span>$258.50</span></li>
<li><span style="font-family: times new roman;">Grinder tool<span style="white-space: pre;"> </span>$34.41</span></li>
<li><span style="font-family: times new roman;">Air compressor, air hammer/chizzle / oil / tile removal supplies <span style="white-space: pre;"> </span>$339.77</span></li>
<li><span style="font-family: times new roman;">Hall curtains and rod <span style="white-space: pre;"> </span> $ 50.86 </span></li>
<li><span style="font-family: times new roman;">Chizzle, grinding dust shroud, wheel<span style="white-space: pre;"> </span>$80.56</span></li>
<li><span style="font-family: times new roman;">Living Room cabinets part 1<span style="white-space: pre;"> </span>$543.06</span></li>
<li><span style="font-family: times new roman;">Kitchen Cabinets - reborn cabinets<span style="white-space: pre;"> </span>$7,655.00</span></li>
<li><span style="font-family: times new roman;">Home Depot -- sink faucet<span style="white-space: pre;"> </span> $ 218.70 </span></li>
<li><span style="font-family: times new roman;">Sink install <span style="white-space: pre;"> </span>$253.00 </span></li>
<li><span style="color: blue; font-family: times new roman;"><i>**2019 "Living in our condo Savings" 12 months <span style="white-space: pre;"> </span> -$9,148.35</i></span></li>
</ul>
<div style="font-family: "times new roman";">
<b>*</b><i>When we file our taxes for the year, I always factor in what our return would be BEFORE our mortgage expenses are entered in, if we can itemize. For 2017, we were able to write off over $7,000 and the amounts listed in the chart above are just the amount we got back from our mortgage and property tax deductions, and the sale of our condo which had some deductible fees and what have you. For 2018, we only saved on our state taxes, not having enough deductions to itemize our federal return. </i></div>
<div style="font-weight: 400;">
<div style="margin: 0px;">
<b><br /></b></div>
</div>
<div>
<div style="margin: 0px;">
<i>**We also track how much cheaper it is to be homeowners vs. renters. Our <a href="http://southcountygirl.blogspot.com/2017/07/housing-comps-2-bedroom.html">2 bedroom housing comps </a>tell us that to rent a 2 bedroom for the first 6 months would cost us $13,156 verses $8,440.50 to be homeowners (That's 6 months of Mortgage payments, Prop Tax, HOA, and Earthquake insurance expenses since our Homeowner insurance was purchased in escrow.) So that's how we get our $4,715.50 "living in our condo savings" for 2017. For 2018, we used the same numbers and the difference was $7,227.33. For 2019, we used these factors in <a href="https://southcountygirl.blogspot.com/2019/01/2019-housing-comps-2-bedroom.html">2019 Housing Comps</a>, and saved $9,148.35.</i><br />
<i><br /></i>
<b style="font-family: "times new roman";">Amount we are currently in the hole for: $3,300.57 </b>and were still making improvements slowly, because we pay cash for improvements and generally do one big thing each year. 2020 is the year of the floors, which will complete our renovation, allowing us to put in the built in cabinets in the living room and finally be done!<br />
<br />
We also have <b>$186,105.37 in equity, </b>if we assume the property tax value of our unit is accurate at <b>$337,089</b>. If we were to sell our condo today after 6% commission fees and another $4,000 in closings costs, (plus the amount we are in the hole for) we would walk away with<span style="font-weight: 400;"> </span><b>$158,579.46</b><span style="font-weight: 400;"> </span>verses the <b>$181,691.35</b><span style="font-weight: 400;"> profit </span>we had before we bought this place.<br />
<br />
So we are $23,111.89 away from truly breaking even on this property and recouping all the funds we have spent on improving our new home. I think within the next 2-3 years, we will fully break even on this investment since the cost of apartment living is so high in comparison, and this should be our last spend-y year on improvements. </div>
</div>
</div>
</div>
</div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-53236581614580437132020-01-24T04:30:00.000-08:002020-01-24T04:30:12.837-08:002020 Housing Comps - 2 bedroom<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigNhLSSE7j9OwwkrXOB_8gSNlje_fVfObdCWLTBrd6S5VnzIZp61idcmqxCWNizfH-SEl-nAc5PWqxsdQAreE-rMylIxaQVSeTfIPezU2ZT2mIZSD1Tx_sNjKnqcRNBSNGmS70A_4oKV4S/s1600/Picture1.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1140" data-original-width="1332" height="273" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigNhLSSE7j9OwwkrXOB_8gSNlje_fVfObdCWLTBrd6S5VnzIZp61idcmqxCWNizfH-SEl-nAc5PWqxsdQAreE-rMylIxaQVSeTfIPezU2ZT2mIZSD1Tx_sNjKnqcRNBSNGmS70A_4oKV4S/s320/Picture1.png" width="320" /></a></div>
Each year we pick a benchmark property to compare the cost of living difference between owning a condo and renting an apartment in our general area. As I mentioned in my previous posts (<a href="https://southcountygirl.blogspot.com/2019/01/2019-housing-comps-2-bedroom.html">2019 Housing Comps</a>, and <a href="https://southcountygirl.blogspot.com/2017/07/housing-comps-2-bedroom.html">Housing Comps - 2 bedroom</a>), we have been hypothetically using my old apartment complex that I used to live in as a benchmark property for many years.<br />
<br />
Last year, I was finally able to get a quote for rent for a unit in our actual complex. Since I like to talk full disclosure, the rent for these two places, one year ago was $1,700 and $1,875 a month, with the pricier unit closer to our actual living conditions. Both of these units are owned by private individuals, have no AC, are on the top floor, and have a no pets policy. I've also been flat out honest that I would not rent in this association for various reasons:<br />
<br />
<ul>
<li>Parking is not ideal. No carports, or garages, or assigned spaces. We get two passes, and while we can always get parking in our complex and have never had to street park, sometimes its far if you get home late.</li>
<li>There are no amenities (pool, gym, etc)</li>
<li>There is no AC in the units. It's all portable ones or small wall units and rentals just don't bother with them.</li>
<li>Rental units also have no upgrades and are stuck with original infrastructure, including backwards windows which are not efficient and do nothing for sounds, so higher utility bills and lots of neighbor noise. </li>
</ul>
<br />
<b>You might ask why we would OWN a place we wouldn't rent:</b><br />
<b><br /></b>
Well, quite frankly, it is within our budget and will ultimately makes us enough $$$ to afford a detached home down the line, and we picked an ideal location right next to the tot lot for our kid. He can play while I cook and I can watch, see and hear him play with his neighbor friends while i'm prepping dinner.<br />
<br />
Also, as the OWNERS we can modify the floor plan to suit our needs (AKA built ins for more space, tearing out closets, fixing flooring, replacing appliances, etc.)... and we can improve the property with new doors and windows for security, more comfortable temps and less noise from neighbors....<br />
<br />
All of that combined makes the short commute to my work (15 minutes, no freeways), proximity to a public park (We have direct access via a residential staircase), etc worth it.<br />
<br />
Even more so, when I hated our bathroom shower even after re-surfacing the tub, we replaced it and now Hubs doesn't have to duck to shower at a full 6 foot 5 (find an apartment that will do that), and I can soak in a deeper tub at the end of a long day.<br />
<br />
<b>2020 Housing Comps</b><br />
Being a natural "shopper" I did browse the internet again in search for comparable housing situations, and again landed on the same decision to keep this apartment complex we have been using as our comparable unit. Now, this apartment is not in the city we live in, but it is commutable distance to all of our jobs and I have actually lived there and would rent in this area again, so I think that makes for a valid comparison tool. I also think using the same association as a benchmark for all these years really does sink in how much housing costs have risen.<br />
<br />
In 2017 when we "moved" from the 1 bedroom to the 2 bedroom we "rented" for $2,061. In January of 2018, the rent went down to $2,015, and we decided to "lock in" a 2 year lease and kept figures the same for both 2018 and 2019. For 2020, surprise, surprise, rent has risen again. We always pick the smallest 2 bedroom floor plan and the cheapest priced unit despite the fact that these often are on the 3rd floor overlooking major roads.<br />
<br />
We don't include electric bills below since we'd have to pay for those at either place and both units had electric stoves, but my HOA fee includes water, gas, and trash so those will be listed in the apartment costs. Security and Pet deposits were already paid in hypothetical 2017 ($400.00 + Pet Deposit $400.00), and these are refundable if you live there for 2 years, so if we ever "move apartments" we get this cash back. We will also assume the Washer and Dryer we "hypothetically bought" in 2012 (7.5 years old), will continue to function, thus eliminating the need for the coin operated laundry rooms at the apartment complex.<br />
<br />
I'm keeping the mock utility bills the same as last year, when I upped them to factor in 3 people living there versus just me and pricing from 9 years ago.<br />
<br />
<b>Costs Associated with Apartment: </b>Monthly:<br />
<ul>
<li>Trash: $20 a month</li>
<li>Water: $100 a month</li>
<li>Gas: $50 a month</li>
<li>Rent: $2,120 a month</li>
<li>Renters Insurance: $15 a month</li>
<li>Pet Rent: $35 a month</li>
</ul>
<br />
Total: $2,340.00 x 12 months = $28,080<br />
<br />
<b>Costs Associated with our condo: </b>Monthly:<br />
<ul>
<li>Mortgage: $764.00</li>
<li>HOA: $367.50</li>
<li>Property Taxes: $288.00 </li>
<li>Homeowners & Earthquake Insurance: $51</li>
</ul>
<br />
Total: $1,470.50 x 12 months = $17,646.00<br />
<br />
Owning my condo is $10,434.00 cheaper than renting, and that's before the $3,000 in equity I gain through just making the minimum payments on our loan.<br />
<br />
<b>How is my mortgage so cheap for a high cost of living area? </b><br />
Well, I bought a dump of a condo at near the bottom of the market 11 years ago, renovated it, and held onto it for 8 years before <a href="https://southcountygirl.blogspot.com/2017/07/single-bedroom-condo-sale-specs.html">I SOLD IT</a>. We then turned around and dropped $160,000 from the sale of the first place and used it as our down payment to help us buy <a href="https://southcountygirl.blogspot.com/2017/07/two-bedroom-condo-sale-specs.html">our new fixer-upper</a>... to keep the costs down. So this has been smart decisions for the past 11 years.<br />
<br />
We are living and renovating it bit by bit and doing what we can ourselves while also paying others for their expertise since we have a four year old along for the ride. We have spent a lot more on repairs and remodel since we bought the unit, but I cover those in our periodic mortgage updates as we journey to get out of the hole, and into profit on this purchase.<br />
<br />South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-34464789739650100242020-01-17T11:46:00.000-08:002020-01-17T11:47:29.981-08:00What we spent in 2019<div class="separator" style="clear: both; text-align: center;">
</div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0wRkHEmMdu3X191rRJ2ERUcwRHjK8tSWw8aM9VPTDCaObBvpd5SqNHn3jCU4UX3QvTgbZpjYWPO72jM0IV_BW0MjPmsNYXVDscogNIbdPhdTuSVFk9j16sQ9WTVdzvBgbEET7HXGMfB5c/s1600/0607191910-ANIMATION.gif" imageanchor="1" style="clear: right; display: inline !important; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="730" data-original-width="972" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0wRkHEmMdu3X191rRJ2ERUcwRHjK8tSWw8aM9VPTDCaObBvpd5SqNHn3jCU4UX3QvTgbZpjYWPO72jM0IV_BW0MjPmsNYXVDscogNIbdPhdTuSVFk9j16sQ9WTVdzvBgbEET7HXGMfB5c/s320/0607191910-ANIMATION.gif" width="320" /></a>It never fails, at some point in the year I just stop blogging consistently, try and catch up, and then life comes and gets busy. We had a wonderful 2019 and despite not posting I still tracked out finances. It was an expensive year large in part to a new to us car... and a mini kitchen remodel.<br />
<br />
Below is our 2019 Summary:<br />
<br />
<b><br /></b>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiM708EtuCQ1qXn4qyUZ42TanOfgRXeBebe5428FRfgdJHj7HO9i9_XmSckTOkBL1H90-ZrW9ps77uhN1O8SYK25ac2KOiVYjzv591DWFWJqFJ6mF1k6oyiRsycEdp83-QfoqrGnu9GVelu/s1600/0704191215.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiM708EtuCQ1qXn4qyUZ42TanOfgRXeBebe5428FRfgdJHj7HO9i9_XmSckTOkBL1H90-ZrW9ps77uhN1O8SYK25ac2KOiVYjzv591DWFWJqFJ6mF1k6oyiRsycEdp83-QfoqrGnu9GVelu/s320/0704191215.jpg" width="320" /></a><br />
<b>Church Tithe/fast offerings/Giving: </b><br />
<ul>
<li>We believe in the blessings that come from giving and living on less than you make. As a result, we tithe 10% of our income to our church, and additionally provide a monthly "fast" offering to help provide food and necessities to those who may not be able to put a meal on the table. We don't do this for the tax write off (last year we took the standard deduction), but rather because we have felt the blessings and happiness that come from this decision.</li>
<li>I also fund-raise throughout the year for the American Cancer Society, and when we find a need that touches our hearts, we may also contribute to those things as well. </li>
</ul>
<b>Groceries: $4,747.99</b><br />
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNeUymApomqx2iBH5wim1jus3KGEOOmf11b9ysYkR6jMwaFeydu5OfnpCYqVC55pi68Dw6GtWjCY-91C73nnHArGTQiGWvzVCDgRwcuEhikUovf_orcQYPTPTCGmwGF0K3fy3AirWbILLe/s1600/0720190941b.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNeUymApomqx2iBH5wim1jus3KGEOOmf11b9ysYkR6jMwaFeydu5OfnpCYqVC55pi68Dw6GtWjCY-91C73nnHArGTQiGWvzVCDgRwcuEhikUovf_orcQYPTPTCGmwGF0K3fy3AirWbILLe/s320/0720190941b.jpg" width="320" /></a>
<li>Sometimes this included non-food items like paper towels, other times not. </li>
<li>Average $395.67 a month</li>
</ul>
<div>
<b>Eating Out: 1,500.79</b></div>
<div>
<ul>
<li>Sometimes includes going out and doing things. </li>
</ul>
<div>
<b>Doing Things I tracked separately: 243.26</b></div>
</div>
<div>
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBNfqHF3RFqqzWkRFILBlwfzX30TofTVJfsUr77Pyo2C_uKw1utFuZOQzSkF8GbpDU3n4zzu-Ks2lueCDFTvPDgwiTNo25-GOO742kBjskFHtHAWhVSFC68aibKYcssXt_uP6obbI9VYAB/s1600/0803191113c.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBNfqHF3RFqqzWkRFILBlwfzX30TofTVJfsUr77Pyo2C_uKw1utFuZOQzSkF8GbpDU3n4zzu-Ks2lueCDFTvPDgwiTNo25-GOO742kBjskFHtHAWhVSFC68aibKYcssXt_uP6obbI9VYAB/s320/0803191113c.jpg" width="239" /></a>
<li>These I started tracking separately at some point:</li>
<li><table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: none; font-family: Calibri; font-size: 11pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="73"></col><col width="188"></col></colgroup><tbody>
<tr style="height: 21px;"><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":34.35}" style="background-color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$34.35</td><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Frozen 2 movies"}" style="background-color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Frozen 2 movies </td></tr>
<tr style="height: 21px;"><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":11.81}" style="background-color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$11.81</td><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"consession snacks"}" style="background-color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px; vertical-align: bottom;">concession snacks </td></tr>
<tr style="height: 21px;"><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":14.95}" style="background-color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$14.95</td><td data-sheets-value="{"1":2,"2":"Discovery Science Center"}" style="background-color: white; border-right-color: transparent; font-size: 12pt; overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Discovery Science Center</td></tr>
<tr style="height: 21px;"><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":21.49}" style="background-color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$21.49</td><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"starwars movie"}" style="background-color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px; vertical-align: bottom;">star wars movie </td></tr>
<tr style="height: 21px;"><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":21}" style="background-color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$21.00</td><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Chuck E Cheese"}" style="background-color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Chuck E Cheese </td></tr>
<tr style="height: 21px;"><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":84.66}" style="font-size: 12pt; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$84.66</td><td data-sheets-value="{"1":2,"2":"OC Fair"}" style="font-size: 12pt; overflow: hidden; padding: 0px 3px; vertical-align: bottom;">OC Fair</td></tr>
<tr style="height: 21px;"><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":55}" style="font-size: 12pt; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$55.00</td><td data-sheets-value="{"1":2,"2":"4th of July fair"}" style="font-size: 12pt; overflow: hidden; padding: 0px 3px; vertical-align: bottom;">4th of July fair</td></tr>
</tbody></table>
</li>
</ul>
</div>
<div>
<b>Automobiles: $7,013.69</b></div>
<ul>
<li>Gasoline: $2,711.16</li>
<ul>
<li>Escort Gasoline: $1,612.86</li>
<li>Camry/Subaru Gasoline: $1,098.30</li>
<ul>
<li>$489.64 was subtracted for my work driving that was reimbursed.</li>
</ul>
</ul>
<li>Car Washes: $36</li>
<li>Toll Toads: $30</li>
<li>Smog: $69.75</li>
<li>Camry Registration: $136</li>
<li>Escort Registration: $125</li>
<li>Car Insurance: $1,458.39</li>
<li>Repairs/Maintenance: $2,583.39</li>
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj75IFfO0xNfiLiGEKWgD2U2FZ6xSjr0fcPEtqyHFtxbOq6i4L2adwTvCkVem31pvAUcbUFLrk486RImpMTpnsH7kyH8B10GLL_0dBahVY5QLaWuyw6b9kiCfGOYLIbIelkY7RMxXy3a8Jy/s1600/0823191951-ANIMATION.gif" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="548" data-original-width="972" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj75IFfO0xNfiLiGEKWgD2U2FZ6xSjr0fcPEtqyHFtxbOq6i4L2adwTvCkVem31pvAUcbUFLrk486RImpMTpnsH7kyH8B10GLL_0dBahVY5QLaWuyw6b9kiCfGOYLIbIelkY7RMxXy3a8Jy/s320/0823191951-ANIMATION.gif" width="320" /></a>
<li>Escort: $980.69</li>
<ul>
<li><span style="background-color: white; font-family: "roboto" , "robotodraft" , "helvetica" , "arial" , sans-serif; font-size: 13px; white-space: pre-wrap;">Back up switch, Oil change, fuel filter change, fuel injector tune up, AC fix, oil change and flushes, AC repair Again (still not working and not repairing further)</span></li>
</ul>
<li>Camry: $1,466.70</li>
<ul>
<li><span style="background-color: white; font-family: "roboto" , "robotodraft" , "helvetica" , "arial" , sans-serif; font-size: 13px; white-space: pre-wrap;">1 tire, front breaks, new battery, oil change and filters, starter, driver side mirror, leaks and oil change.</span></li>
</ul>
</ul>
</ul>
<div>
<b>"New" Car: $30,212.45</b></div>
<div>
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMw8heV6duz2rtnuw3x4nYIMlwuXnxaHq3yzoCuNaAeTAzXk2Koeq56Qmq5AY7QIHjjLhMMLNyGsxSk4mC9uUYrlKcOlJicVsPzzG5dON-hTgbU_4oB0hysR6p8sBLDt8EDB1KEZQhveYy/s1600/0823191951i.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMw8heV6duz2rtnuw3x4nYIMlwuXnxaHq3yzoCuNaAeTAzXk2Koeq56Qmq5AY7QIHjjLhMMLNyGsxSk4mC9uUYrlKcOlJicVsPzzG5dON-hTgbU_4oB0hysR6p8sBLDt8EDB1KEZQhveYy/s320/0823191951i.jpg" width="320" /></a>
<li>We paid cash and replaced our Camry with a 2019 "new to us" Subaru Outback that was rocking less than 8,000 miles. It has an extended warranty. We love it. It gets car washes. </li>
<li>Registration was included in the purchase price above.</li>
</ul>
<div>
<b>Clothes: $1,4651.99</b><br />
<ul>
<li>Me: $852</li>
<li>Hubs: $426.55</li>
<li>Little Dude: $373.44 </li>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNjL05x14mMRahCpOE-2aMJpSZCqafhtdzrn5pK2D0dOgVyQTlQg5hH4ul6HU6dj66JlpktJAqET4LKO8azg7IjBb9rsVvzeLVR1NiWp9YPLyI38cGOKLaPAA55IuLu5feChzY1a28oc4E/s1600/0824191058.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNjL05x14mMRahCpOE-2aMJpSZCqafhtdzrn5pK2D0dOgVyQTlQg5hH4ul6HU6dj66JlpktJAqET4LKO8azg7IjBb9rsVvzeLVR1NiWp9YPLyI38cGOKLaPAA55IuLu5feChzY1a28oc4E/s320/0824191058.jpg" width="320" /></a></div>
<ul>
<li>We do a clothing swap with my Sister in Law. We get her boys hand me down things, then return them for her youngest, and then they will likely head up to my other sister in law who's expecting a baby dude. </li>
<li>We usually need to buy a few pants or odds and ends that work better for climates, but its awesome to not build from scratch. </li>
<ul><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjc72VKyQvGQxIdkGH5S60aqb_ucD7vivuwA-RbppG_dBq-Ew2ymPsSwdVXyQ4pDFSi9XbykTJiRJka6y18rDEn6my9plgk1xqa2EUEEUOX4jkyhoNZtRfqAk3Avz6kiD679WS_qNzVjc3t/s1600/0826191835a.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjc72VKyQvGQxIdkGH5S60aqb_ucD7vivuwA-RbppG_dBq-Ew2ymPsSwdVXyQ4pDFSi9XbykTJiRJka6y18rDEn6my9plgk1xqa2EUEEUOX4jkyhoNZtRfqAk3Avz6kiD679WS_qNzVjc3t/s320/0826191835a.jpg" width="320" /></a>
<li>$23.68 flip/flop pool shoes (2 pairs)</li>
<li>$17.51 5 pairs of pants (Goodwill-4) (Walmart 1)</li>
<li>$17.18 Socks (2 bags)</li>
<li>$20.78 underwear</li>
<li>$5.36 shirt$42.33 PJ's (4 pairs Summer)</li>
<li>$38.00 Ties</li>
<li>$52.25 Mittens, Jacket, snow pants, boots for our Snow day!</li>
<li>$12.83 ?</li>
<li>$105.52 Black Friday shopping for underwear and PJ's next size up</li>
<li>$38.00 ?</li>
</ul>
</ul>
</ul>
</div>
</div>
<div>
<b>Gifts: $1,880.54</b></div>
<div>
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhO4ihyXlYYkYU2lRhntTweZ2VLPawmiSjAAyBGtNqdImYUm25SupEhT2kmRa5icIPEZmQOmO9AjXu2jOve_NbK4uSrdpWLFYm6h9ebhYiGFcXN5gePCt_E8Nc-O1CR7AIJTeC3ApIPxW8z/s1600/0828191153.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhO4ihyXlYYkYU2lRhntTweZ2VLPawmiSjAAyBGtNqdImYUm25SupEhT2kmRa5icIPEZmQOmO9AjXu2jOve_NbK4uSrdpWLFYm6h9ebhYiGFcXN5gePCt_E8Nc-O1CR7AIJTeC3ApIPxW8z/s320/0828191153.jpg" width="320" /></a>
<li>Our Christmas total is here for all our spending on family, friends, and each other. Since our birthdays are about 6 months away from Christmas, we tend to spend a good amount on each other because its usually a list of delayed things we want that we held off until the holiday sales. I got exciting things like kitchen mats and an aero garden i'm loving,.... hubs got some video games, but also practical things like a jerky gun and good sweat pants. </li>
<ul>
<li>Christmas: $1,583.72.</li>
<ul>
<li>Little Dude: $291.81</li>
<li>Me: $436.65 (fantastic things including kitchen mats, and an aero garden)</li>
<li>Hubs: $545.91 (Video games, jerky guns, drones, clothes, hiking stuff, etc.)</li>
<li>Extended family: $460.65</li>
</ul>
</ul>
<li>Other gifts: $296.82 </li>
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR35NylUJS2EhhRaFs2y_sKIpBMuY1nTtG145qM5oxSlct9YVcWIjVuYC8L70ZArs1zRreHZih7GCkXqQRBXskBJxVu6KNDwl_uUJH4LbvIl6M_dMCoEb5hSmS5cxypz4VIo0RvqqMOEfe/s1600/0828191641c.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR35NylUJS2EhhRaFs2y_sKIpBMuY1nTtG145qM5oxSlct9YVcWIjVuYC8L70ZArs1zRreHZih7GCkXqQRBXskBJxVu6KNDwl_uUJH4LbvIl6M_dMCoEb5hSmS5cxypz4VIo0RvqqMOEfe/s320/0828191641c.jpg" width="320" /></a>
<li>There were a lot of $20 here, $20 there work events that aren't recorded here... I'm bad with tracking cash, which is why I try not to use it.</li>
<li>I also didn't categorize our internal birthdays here either, they went to general spending, so next year i'll mark them as gifts, so this was just present for friends parties, mother's day, and cousin birthday parties.... </li>
</ul>
</ul>
</div>
<b>Little Dude: $1,439.91</b><br />
Big expense here was our attempt at swim lessons... We got floating down and that was about it. We stopped and will try again at another place when we aren't paying for daycare/preschool.<br />
<ul><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4k7pzxSqE_iKKbUyH9_sCl8UYwMYJbWdGqrHjaYIrYbeMzewdk6AZNtigOZe9X-N-TRN1oTGJRsiyuR0PuHghJjIMnzZtVadH-UtyawPb7uCuDekvNAjw5ZhAUOFIiXnHScmHrux2dyQ_/s1600/1005191655_Burst07-ANIMATION.gif" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="548" data-original-width="972" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4k7pzxSqE_iKKbUyH9_sCl8UYwMYJbWdGqrHjaYIrYbeMzewdk6AZNtigOZe9X-N-TRN1oTGJRsiyuR0PuHghJjIMnzZtVadH-UtyawPb7uCuDekvNAjw5ZhAUOFIiXnHScmHrux2dyQ_/s320/1005191655_Burst07-ANIMATION.gif" width="320" /></a>
<li><span style="background-color: white; font-family: "calibri";">$ 12.49 </span>Birthday Present</li>
<li></li>
<li><span style="background-color: white; font-family: "calibri";">$ 8.62 </span>Rubble Truck (Goodwill)</li>
<li><span style="background-color: white; font-family: "calibri";">$ 226.34 </span>pull ups + overnight undies</li>
<li><span style="background-color: white; font-family: "calibri";">$ 9.69 </span>(2) mini coloring books; String and animals pack </li>
<li><span style="background-color: white; font-family: "calibri";">$ 42.74 </span>Friend Presents x 2</li>
<li><span style="background-color: white; font-family: "calibri";">$ 2.14 </span>valentines for class</li>
<li><span style="background-color: white; font-family: "calibri";">$ 63.16 </span>Poop Helpers (6)</li>
<li><span style="background-color: white; font-family: "calibri";">$ 23.99 </span>Back up "hobbes"</li>
<li><span style="background-color: white; font-family: "calibri";">$ 33.15 </span>Last minute toy, decorations, and desserts for school class party</li>
<li><span style="background-color: white; font-family: "calibri";">$ 22.57 </span>Hats and party favors</li>
<li><span style="background-color: white; font-family: "calibri";">$ 57.32 </span>Walmart (Cake, Birthday outfit, wrapping paper)</li>
<li><span style="background-color: white; font-family: "calibri";">$ 36.61 </span>Balloons</li>
<li><span style="background-color: white; font-family: "calibri";">$ 3.32 </span>Target</li>
<li><span style="background-color: white; font-family: "calibri";">$ 2.50 </span>kite and a water blaster</li>
<li><span style="background-color: white; font-family: "calibri";">$ 14.91 </span>Swim Toy / Glider</li>
<li><span style="background-color: white; font-family: "calibri";">$ 43.09 </span>Booster Car Seat for hubs car</li>
<li><span style="background-color: white; font-family: "calibri";">$ 40.92 </span>Goggles for Swim lessons</li>
<li><span style="background-color: white; font-family: "calibri";">$ 10.00 </span>Water beads</li>
<li><span style="background-color: white; font-family: "calibri";">$ 17.24 </span>small pool / water deck shoes</li>
<li><span style="background-color: white; font-family: "calibri";">$ 630.00 </span>Swim lessons</li>
<li><span style="background-color: white; font-family: "calibri";">$ 5.37 </span>clogs</li>
<li><span style="background-color: white; font-family: "calibri";">$ 8.60 </span>glow sticks</li>
<li><span style="background-color: white; font-family: "calibri";">$ 5.39 </span>confetti cannon</li>
<li><span style="background-color: white; font-family: "calibri";">$ 2.12 </span>pinwheel</li>
<li><span style="background-color: white; font-family: "calibri";">$ 21.51 </span>poppers pack</li>
<li><span style="background-color: white; font-family: "calibri";">$ 1.05 </span>balloons</li>
<li><span style="background-color: white; font-family: "calibri";">$ 60.30 </span>Books at the fair</li>
<li><span style="background-color: white; font-family: "calibri";">$ 24.78 </span>School pics</li>
<li><span style="background-color: white; font-family: "calibri";">$ 9.99 </span>Movie on You Tube </li>
</ul>
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmfvkJ13fy_QeJ7sAza6ZnycHdoYLcOKLBYLq-fF0CWSRkv6mRdFJRfAd_eHvUsAIqVcgcDhTFeMlF7qEcvkISR9n11aGVzrIyLFtaT6C3VYn4lxvZ3k2pkWlujowKXUfTDPROD01-zc1y/s1600/1026191910b.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmfvkJ13fy_QeJ7sAza6ZnycHdoYLcOKLBYLq-fF0CWSRkv6mRdFJRfAd_eHvUsAIqVcgcDhTFeMlF7qEcvkISR9n11aGVzrIyLFtaT6C3VYn4lxvZ3k2pkWlujowKXUfTDPROD01-zc1y/s320/1026191910b.jpg" width="320" /></a><b>Daycare/Preschool: $10,3025.00</b><br />
<ul>
<li>ummmm ouch, and welcome to Southern California. We had $5,000 deducted from my work paychecks to go into an account to pay for daycare/childcare, trying to get the best bang for our buck and forked over the rest since there wasn't a better way to do it. </li>
</ul>
<b>Doctors/Dentists/Medical: </b>Before I break this down, we have fantastic, EXPENSIVE, insurance through my work. Like, when Little dude was born, it cost less than $400 for an unplanned c-section and extended stay in the hospital, good. It's basically a $15 co-pay for everything.<br />
<ul>
<li><b>Little Dude: $411.91</b></li>
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5euOqXBi-r9DTEhw1I7aUD_BI9qws-qvY-U4HJeSYHl2wbpDhk0i7VKiqS-Ftwi7U6h00QS9ENnALb1ytrz_uwPyqjmr_maKrtt_OXSTlO6EHUjgCkdBS3nVgCwgSGSqhOHocvoxQp1K6/s1600/1030190905f.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5euOqXBi-r9DTEhw1I7aUD_BI9qws-qvY-U4HJeSYHl2wbpDhk0i7VKiqS-Ftwi7U6h00QS9ENnALb1ytrz_uwPyqjmr_maKrtt_OXSTlO6EHUjgCkdBS3nVgCwgSGSqhOHocvoxQp1K6/s320/1030190905f.jpg" width="239" /></a>
<li>Lots of ENT appointments over tubes falling out and if we should put them back in. With the Doctor suggesting a delay for swim lesson basics, his body adjusted to life without tubes and now his hearing is fine!</li>
<li>Cavities: Little dude had two cavities likely because we didn't use toothpaste with him because he didn't like it. Now, he had graduated from starter toothpaste to fluoride cause he spits and doesn't swallow it, and flosses. The dental bill was $211, half of all his medical costs. </li>
</ul>
<li><b>Hubs: $638.11</b></li>
<ul>
<li>Major one here was the $374.94 we paid for (3) pairs of prescription glasses, and the $60 Costco membership we bought, just to get him glasses. We also spent $145 at the dentist.</li>
</ul>
<li><b>Me: $311.87</b></li>
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifjWDm2Ejr0CeCQTFlqAPwsd7woJgtudAVMFHvh8X2KvtxBKc1m4c7Sq6-9Y5SvPPp9txLZKmir-5I70-xtR9HpQV0_YONYC_nKD3Kl4SlvAnY2ld3n_BLrGmhFA96JB14aI7VDNEN2ff9/s1600/1102191010b.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="900" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifjWDm2Ejr0CeCQTFlqAPwsd7woJgtudAVMFHvh8X2KvtxBKc1m4c7Sq6-9Y5SvPPp9txLZKmir-5I70-xtR9HpQV0_YONYC_nKD3Kl4SlvAnY2ld3n_BLrGmhFA96JB14aI7VDNEN2ff9/s320/1102191010b.jpg" width="179" /></a>
<li>This would be my two dental cleanings this year ($80 each), and me fracturing my foot in October and living on crutches and a walking boot for a month, and my Physical Therapy appointments. I've come along way. </li>
</ul>
</ul>
I think in 2021 i'm going to open a heath HSA account through my work since hubs will need glasses, and we know we will have all three dental visits each year. Now that I have tracking data, I can get a good idea on how much we should put in a HSA to start getting some tax benefits, and I learned that we can roll over $500 from year to year if we don't use it up, so even if I just start with $500, that would likely get used.<br />
<b><br /></b>
<b>The pup: $700.00</b><br />
<ul>
<li>Exciting things like kibble, treats, and grooming visits get her nails cut and her fur washed. </li>
</ul>
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmfnmYjVWrxSmTD2ZKR3HZcZ6cemzkrxJ4ZvGn5PsGlkXjUFpFxDHWelf7eQHH_3IUatPq5qo5tYCu4Ebu8tcBWPC5ZevFqMIzK1a4tgqZtQMTS3SbWhnDYQgqiCI3WFvgdM5jEErnAybg/s1600/1129191345.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmfnmYjVWrxSmTD2ZKR3HZcZ6cemzkrxJ4ZvGn5PsGlkXjUFpFxDHWelf7eQHH_3IUatPq5qo5tYCu4Ebu8tcBWPC5ZevFqMIzK1a4tgqZtQMTS3SbWhnDYQgqiCI3WFvgdM5jEErnAybg/s320/1129191345.jpg" width="320" /></a><b>Internet: $787.88</b><br />
<b><br /></b>
<b>Propane for our grill: $57.96</b><br />
<b><br /></b>
<b>Electricity: $752.00</b><br />
<b><br /></b>
<b>Streaming Services: $101.70 </b><br />
<b><br /></b>
<b>Audible: $231.92</b><br />
<b><br /></b>
<b>Cell phones: $306.21</b><br />
<ul><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvuoe98vwLACQFzEhqJdzMSwkYKD4GKeGnofzBdpVPaDmXl6pccuvvmtv55gz7Ux72fP1xc8IhJ6u6t414gArWKdUc28zo2VDV-3DVwaBNmiO9LZK49BwFvLvE9e5QSdA1CPIDaDvmJ5lA/s1600/1206191805.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgvuoe98vwLACQFzEhqJdzMSwkYKD4GKeGnofzBdpVPaDmXl6pccuvvmtv55gz7Ux72fP1xc8IhJ6u6t414gArWKdUc28zo2VDV-3DVwaBNmiO9LZK49BwFvLvE9e5QSdA1CPIDaDvmJ5lA/s320/1206191805.jpg" width="320" /></a>
<li>We use trac phone and have 2 cell phones. We didn't replace our phones this past year, but mine is getting to the point where the internal storage (only 16 gigs) makes programs not run that are helpful because I can only move so much over to the SD card... so 2020 will likely be the year of replacement phones.</li>
<li>We usually just buy phones through Trac Phone, but since they are all limited to only 16 gigs internal memory, and this is the main issue/problem we have been having, we are considering buying phones with more internal support, and then porting over our phone numbers and getting a service chip for them. </li>
<ul>
<li>Minutes for my phone: $144.87</li>
<li>Minutes for hubs phone: $108.34</li>
<li>SD card: $53.00</li>
</ul>
</ul>
<div>
<b>Fun Money: $760.00</b></div>
<div>
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtAmp33cKQIMU_ZZcKWRmYyEcp3O7PRpgVZijMdSAQZOaQmuFMCUwLFoV1zojky-Rsw7jJ1k8WZ05Pklp5MeHiveYK7DJ7C-vu17P_YkbetSzVYJ8lYk_1VEPdsotZWXTKyHP2jS3VqrdK/s1600/1215191848.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtAmp33cKQIMU_ZZcKWRmYyEcp3O7PRpgVZijMdSAQZOaQmuFMCUwLFoV1zojky-Rsw7jJ1k8WZ05Pklp5MeHiveYK7DJ7C-vu17P_YkbetSzVYJ8lYk_1VEPdsotZWXTKyHP2jS3VqrdK/s320/1215191848.jpg" width="320" /></a>
<li>Usually we get $40 each, a month, to spend on small things without talking to the other person about it. We halted automatic pocket money when we bought a new car because we had to pull funds out of non-car accounts since we found the car for us a bit earlier then planned and still paid cash, so the math won't add up to $80 a month for the whole year, and we both agreed on this plan since the holidays were coming up and we typically stop buying stuff so we have ideas for presents, lol. </li>
</ul>
</div>
<div>
<b>Vacation: $604.90</b></div>
<div>
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIMq3uX-oghOXtVyRMK4CBMwjBop0iuTcVtxYNCbl0lOfxeVLl3THzT3hFUDVSTGoWtQ3UCmFlmLm2qk6u2mfxypf4yZ0h5NWiQTvq49Dy1yTBfNob_PhA02URi_QKUkn_ahc6R_Z1q-n_/s1600/1218191814.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhIMq3uX-oghOXtVyRMK4CBMwjBop0iuTcVtxYNCbl0lOfxeVLl3THzT3hFUDVSTGoWtQ3UCmFlmLm2qk6u2mfxypf4yZ0h5NWiQTvq49Dy1yTBfNob_PhA02URi_QKUkn_ahc6R_Z1q-n_/s320/1218191814.jpg" width="239" /></a>
<li>One trip to Utah to visit family. We would have gone twice, but since we bought the new car, Hub's parents came to see us for thanksgiving!</li>
<ul>
<li>$91 odds and ends</li>
<li>$332.30 Food and anniversary dinner</li>
<li>$181.60 gas and transportation</li>
</ul>
</ul>
<div>
<b>Housing: $28,380.34 ($18,946.48 before reno stuff)</b></div>
</div>
<div>
<ul>
<li>Property Taxes: $3,450.65</li>
<li>Homeowners Insurance / Earthquake Insurance: $643.00</li>
<li>HOA Fees: $4,410.00</li>
<li>Mortgage:$10,442.83</li>
<ul>
<li>This includes $1,274.83 in additional principal we paid down. </li>
</ul>
<li>Renovation: $9,433.86</li>
<ul>
<li>$1,235.80 on 3 more ceiling fans, grinder and tile removal supplies, hall curtains and rod to enclose the laundry/storage area, a new kitchen sink faucet and install of said faucet. </li>
<li>$543.06 at Ikea to start some of the living room built in cabinets.... </li>
<li>$7,655.00 from Reborn Cabinets</li>
<ul><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0JyY9k4fHcYHYO9oJAJXWPdUUWjdoYMBkGfPVLNZTj-DGlniylu1yoFEHSQBilpXvF7bg3S0fDnERbzpvkeBgmDy8mXetx359xJ0BgJvYMaiomweVVMUjHyIeYrbnB3uWwS9jJlar2yKY/s1600/1221191858.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0JyY9k4fHcYHYO9oJAJXWPdUUWjdoYMBkGfPVLNZTj-DGlniylu1yoFEHSQBilpXvF7bg3S0fDnERbzpvkeBgmDy8mXetx359xJ0BgJvYMaiomweVVMUjHyIeYrbnB3uWwS9jJlar2yKY/s320/1221191858.jpg" width="240" /></a>
<li>This was to change all the doors on our kitchen cabinets, add a second pantry, changing some cabinets to drawers, adding some weight bearing open shelves by the window, and just over all, add a bit more function to our kitchen. We also removed a cabinet that was just in the way and served no real purpose. (the one we had to take the doors off of just so I could use it). We did the best bang for our buck on the job. It wasn't everything we wanted, but I couldn't justify $2k for a box around the fridge just to extend that cabinet at the top, lol. We went this route because it would allow us to KEEP the current granite counter tops, which was an expense we didn't want to incur on this property, and we knew we couldn't IKEA this with the current counter top placement. </li>
</ul>
</ul>
</ul>
</div>
<br />
<b>Hiking and Tree Hugging: </b>We like the great outdoors. It's our thing... so it gets its own category. We also shop at REI because we love the ability to try out gear in different circumstances and see if it works for us, or it doesn't. We actually returned a lot of gear this past year because I wasn't happy with a lot of stuff... Packs the rubbed bad on longer hikes... sleeping bags that kept my feet cold cause there was too much dead air in the footbox because it was too long for my short self... things like that. So with that being said.... REI, Take my money:<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOiqk93L-qldgyFT-s7J_rIn9U7BhIlsqzPfZyZFxHFadqddXtzOqCME-3OmcJuoYS1IMruslKowhOTo9ZjjbyWO9OltYgI5_oPFnCQX0im9romtOw0TqB5sRaAwsWOAl2hLQkLfveKt1X/s1600/1225190750c.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="1184" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOiqk93L-qldgyFT-s7J_rIn9U7BhIlsqzPfZyZFxHFadqddXtzOqCME-3OmcJuoYS1IMruslKowhOTo9ZjjbyWO9OltYgI5_oPFnCQX0im9romtOw0TqB5sRaAwsWOAl2hLQkLfveKt1X/s320/1225190750c.jpg" width="320" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpRiV8x9mPM1wBolmFOECFTmwh5kVS4RLxdDEXypoCSGBPWs_m0cGm53cthg636m06Sel34XzWrW4pyvO6KwEJQWaSYEacMT_8nDMSaS1WoeraLvW4QUSYu1LCn3Pwg4N4SpeMYOE58qNP/s1600/1218191905a.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpRiV8x9mPM1wBolmFOECFTmwh5kVS4RLxdDEXypoCSGBPWs_m0cGm53cthg636m06Sel34XzWrW4pyvO6KwEJQWaSYEacMT_8nDMSaS1WoeraLvW4QUSYu1LCn3Pwg4N4SpeMYOE58qNP/s320/1218191905a.jpg" width="240" /></a><br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br />
<br /><br />
<div>
<ul>
<li>$ 62.30<span style="white-space: pre;"> </span>hiking food (trail mix, dried fruit, jerky, wipes, smart water bottles, snacks, trail head expenses</li>
<li>$ 204.56<span style="white-space: pre;"> </span>Micro Spikes (2); bottom base layer for SCG</li>
<li>$ 207.50<span style="white-space: pre;"> </span>REI (Shewee, Buff, Socks, Liners, Underwear x2, trowel, dry sacs x2)</li>
<li>$ 240.12<span style="white-space: pre;"> </span>Micro USB cables (3 pack); Bluetooth speaker; Womens Merino wool base layer; 2 Tick removing tweezers; pack towel; BRS stove; fixed blade knife with sheath; sawyer filter + screw on coupling; Men's exofficio underwear;</li>
<li>$ 99.90<span style="white-space: pre;"> </span>Possum Merino Wool Gloves (2)</li>
<li>$ 7.80<span style="white-space: pre;"> </span>Leukotape</li>
<li>$ 24.80<span style="white-space: pre;"> </span>hiking wallet, 2 water bottle clips</li>
<li>$ 32.08<span style="white-space: pre;"> </span>Gaiters for Hubs</li>
<li>$146.29<span style="white-space: pre;"> </span>REI (Women's Exofficio underwear; hotlips; Toaks Pot; 2 inflatable pillows -sea to summit) </li>
<li>$ 155.50<span style="white-space: pre;"> </span>Quilt -- used</li>
<li>$ 288.00<span style="white-space: pre;"> </span>Tent -- used</li>
<li>$18.27<span style="white-space: pre;"> </span>crocks</li>
<li>$ 60.00<span style="white-space: pre;"> </span>Thru Pack hip belt/fanny pack</li>
<li>$ 54.54<span style="white-space: pre;"> </span>Hyperlight food bag</li>
<li>$ 208.84<span style="white-space: pre;"> </span>cables, go pro-, power bank, hiking underwear x2 hubs,</li>
<li>-$54.16<span style="white-space: pre;"> </span>Hiking Hat, small items</li>
<li>$ 25.93<span style="white-space: pre;"> </span>Hiking "cookie" bars; OTC Meds</li>
<li>$ 17.84<span style="white-space: pre;"> </span>Trail magic</li>
<li>$ 982.41<span style="white-space: pre;"> </span>20 degree women's bag; Bottom and top base layers; Smaller hiking briefs; 2 sleeping pads - therm-a-rest Neo Air Xlite; 2 ice axes; Fleece boys hoodie---yup, i fit in the kids jacket better than the women's)</li>
<li>$ 156.02<span style="white-space: pre;"> </span>Dry sack (2); New Hat that does fit better; buff; kids water reservoir; piezo igniter</li>
<li>$ 53.88<span style="white-space: pre;"> </span>Teva Sandals</li>
<li>$ 193.05<span style="white-space: pre;"> </span>Osprey Eja 58 Pack - Women's</li>
<li>-$193.05<span style="white-space: pre;"> </span>RETURN OF PACK</li>
<li>$64.51<span style="white-space: pre;"> </span>Hip pack for hubs.....</li>
<li>$90.25<span style="white-space: pre;"> </span>2 pairs of pants / insect repellent</li>
<li>$ 54.95<span style="white-space: pre;"> </span>Cheap River Country back-packing tent (to see if we like a trecking pole set up)</li>
<li>$ 44.29<span style="white-space: pre;"> </span>small hiking odds and ends (sunblock, new water bottles, travel sized items, etc)</li>
<li>$ (322.16)<span style="white-space: pre;"> </span>REI Return - My REI Co-op Joule 21 sleeping bag</li>
<li>$ 292.91<span style="white-space: pre;"> </span>REI - New sleeping bag (shorter!); Hat for hubs, snow stake</li>
<li>$ (106.54)<span style="white-space: pre;"> </span>REI Return - Hub's old day pack REI Coop Train 40</li>
<li>297.28<span style="white-space: pre;"> </span>REI - Kids sleeping bag, bag temp guage, air mattress pump, Osprey Stratoes 36 - Hubs</li>
<li>$ (129.25)<span style="white-space: pre;"> </span>REI Return - Hubs Ice Axe</li>
<li>$ 349.96<span style="white-space: pre;"> </span>different Ice axe, Overnight pack for hubs, axe covers, leashes.</li>
<li>$ 66.61<span style="white-space: pre;"> </span>Zpacs (food bag); wallet</li>
<li>$ 109.64<span style="white-space: pre;"> </span>Trowel; (2) 4 litr dry Sac; (2) 13 L Dry Sac</li>
<li>$ 14.55<span style="white-space: pre;"> </span>(2) Odor proof barrier bags</li>
<li>$ 56.56<span style="white-space: pre;"> </span>Merino Wool Top - Me</li>
<li>$ 56.56<span style="white-space: pre;"> </span>Merino Wool Top - Hubs</li>
<li>$19.39<span style="white-space: pre;"> </span>Sock Liners</li>
<li>$ 70.57<span style="white-space: pre;"> </span>Shade tent / and Chair</li>
<li>$ 299.52<span style="white-space: pre;"> </span>Family Tent - REI</li>
<li>$ 17.21<span style="white-space: pre;"> </span>camping pillow for Eli</li>
<li>$ 775.05<span style="white-space: pre;"> </span>the triplex</li>
<li>$ 118.08<span style="white-space: pre;"> </span>REI - Car camping items; shorts for hubs, eye glasses cord, (3) hiking undies on clearance</li>
<li>$ 77.52<span style="white-space: pre;"> </span>steppers, knife</li>
<li>$ 30.48<span style="white-space: pre;"> </span>(1) hiking bra; (1) hubs hiking underwear</li>
<li>-215.45<span style="white-space: pre;"> </span>Sleeping Pad return</li>
<li>-43.05<span style="white-space: pre;"> </span>Return pad blow up device</li>
<li>$ 29.99<span style="white-space: pre;"> </span>All Trails</li>
<li>$ 50.14<span style="white-space: pre;"> </span>REI- Yeti Tumbler</li>
<li>$69.96<span style="white-space: pre;"> </span>Hub's Tevas</li>
<li>$ 67.77<span style="white-space: pre;"> </span>Yeti, lid, stickers</li>
<li>$ 150.72<span style="white-space: pre;"> </span>Big Ag Mat / Pump </li>
</ul>
<b> Total: $5,450.44 ($4,698.37 after our credit card rewards)... </b><br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdibvHzbLEHvNrwfLxgXi6G3Y2O1Vu62oWLXVQwK_r61oYq7yYOSH1LJEtZucEVzO-72jnhStCcN2AlrKX_YSX7yST-dY5tcPi6kebTyqQOQXgtFgZpVkdq0rBO5BCbGNSB46DKB8Tr65n/s1600/1228191057a.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="1184" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdibvHzbLEHvNrwfLxgXi6G3Y2O1Vu62oWLXVQwK_r61oYq7yYOSH1LJEtZucEVzO-72jnhStCcN2AlrKX_YSX7yST-dY5tcPi6kebTyqQOQXgtFgZpVkdq0rBO5BCbGNSB46DKB8Tr65n/s320/1228191057a.jpg" width="320" /></a>Now you know what birthdays and Mother's Day / Father's Day gifts were all about.... and why this gets its own category... and it also included a $775 ultra light back packing tent, which was hubs 1 year without Soda Bet Prize... which probably saved us that much money on dental work, no joke. And we got a family tent since little man is camping age, which helps now for vacation and travel land!<br />
<br />
<b>Discretionary: This is everything else folks: $5,414.98</b><br />
<br />
<ul><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIhB1CA32wSJY4EOV4nov-nXkjYVkAlj34tJXKq6RW3KP5I2KXeek_gp5BI11tUCxEvDMUv3ca-QqaOdEdIKoeLx6e_bOc-8rFQWwVrdEIrS-TBQXiA7ZMeh2KETzedBx7JXxm2inHZRdd/s1600/1224191651.webp" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="250" data-original-width="188" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIhB1CA32wSJY4EOV4nov-nXkjYVkAlj34tJXKq6RW3KP5I2KXeek_gp5BI11tUCxEvDMUv3ca-QqaOdEdIKoeLx6e_bOc-8rFQWwVrdEIrS-TBQXiA7ZMeh2KETzedBx7JXxm2inHZRdd/s1600/1224191651.webp" /></a>
<li>$281.49 TP, deodorant, shampoo, conditioner, etc.</li>
<li>$419.59 Kitchen and house items, like laundry soap, trash bags, ant spray, sponges, etc.</li>
<li></li>
<li>$10.74<span style="white-space: pre;"> </span>New years poppers</li>
<li>$160.55<span style="white-space: pre;"> </span>Ikea area rug</li>
<li>$ 79.98<span style="white-space: pre;"> </span>Turbo Tax</li>
<li>$ 7.45<span style="white-space: pre;"> </span>Postage</li>
<li>$ 4.30<span style="white-space: pre;"> </span>vday cards</li>
<li>$ 8.42<span style="white-space: pre;"> </span>gorilla tap, velcro dots</li>
<li>$136.53<span style="white-space: pre;"> </span>Make up sale (lip colors, gloss, and foundation)</li>
<li>$ 59.99<span style="white-space: pre;"> </span>Home depot cacti</li>
<li>$ 971.31<span style="white-space: pre;"> </span>Switch, controllers, games, etc</li>
<li>$ 74.22<span style="white-space: pre;"> </span>Easter Baskets</li>
<li>$ 25.90<span style="white-space: pre;"> </span>Ear buds (2 pack)</li>
<li>$ 8.59<span style="white-space: pre;"> </span>Home Depot - utility knife</li>
<li>$ 16.74<span style="white-space: pre;"> </span>Card / Car Sun Shade</li>
<li>$ 29.46<span style="white-space: pre;"> </span>Clip on sunglasses</li>
<li>$ 4.30<span style="white-space: pre;"> </span>Chapstick</li>
<li>$ 32.31<span style="white-space: pre;"> </span>Watch band, sink stopper</li>
<li>$ 28.00<span style="white-space: pre;"> </span>2nd Alexa</li>
<li>$ 58.07<span style="white-space: pre;"> </span>Eco dot holders, (3) pack of arm sleeves for sun coverage; chizzle</li>
<li>$ 6.22<span style="white-space: pre;"> </span>Home Depot - AC Padding</li>
<li>$ 10.75<span style="white-space: pre;"> </span>steering wheel covers</li>
<li>$ 35.27<span style="white-space: pre;"> </span>Cables and a quick charge wall port</li>
<li>$ 11.16<span style="white-space: pre;"> </span>Book</li>
<li>37.18<span style="white-space: pre;"> </span>Power surge strip, etc</li>
<li>$ 73.97<span style="white-space: pre;"> </span>Cables and HDMI switches for living room </li>
<li>$ 195.00<span style="white-space: pre;"> </span>American Cancer Society Donation</li>
<li>$ 52.86<span style="white-space: pre;"> </span>Cactus pots, flowers, etc.</li>
<li>$ 100.00<span style="white-space: pre;"> </span>food containers, webcam, splatter guard, CD</li>
<li>$ 73.83<span style="white-space: pre;"> </span>kickstarter</li>
<li>$ 10.00<span style="white-space: pre;"> </span>tablet holder for road trip</li>
<li>$45.9<span style="white-space: pre;"> </span>Harbor Fright</li>
<li>$ 43.08<span style="white-space: pre;"> </span>Giant games</li>
<li>$ 28.95<span style="white-space: pre;"> </span>Tram Ticket</li>
<li>$ 8.00<span style="white-space: pre;"> </span>Tram charge?</li>
<li>$ 18.29<span style="white-space: pre;"> </span>Car wipers</li>
<li>$ 103.86<span style="white-space: pre;"> </span>Home Depot</li>
<li>$ 141.68<span style="white-space: pre;"> </span>Halloween Costumes</li>
<li>$ 14.95<span style="white-space: pre;"> </span>Star Dew Valley</li>
<li>$ 234.54<span style="white-space: pre;"> </span>Costco (Freezer items, halloween costume couple tops, random stuff)</li>
<li>$ 9.67<span style="white-space: pre;"> </span>Silver Hair Spray</li>
<li>$ 19.49<span style="white-space: pre;"> </span>Halloween Candy</li>
<li>$ 13.81<span style="white-space: pre;"> </span>Can of Air(2)</li>
<li>$ 27.74<span style="white-space: pre;"> </span>Bbq replacement part</li>
<li>$ 40.00<span style="white-space: pre;"> </span>bread bags, roku mount, hot sauce</li>
<li>$ 27.94<span style="white-space: pre;"> </span>CD Case, Squeeze bottles, spatulas</li>
<li>$ 379.25<span style="white-space: pre;"> </span>ikea stuff for Little dude's room</li>
<li>$ 65.06<span style="white-space: pre;"> </span>Stuff to re-fluff the couch</li>
<li>$ 6.45<span style="white-space: pre;"> </span>Bath Hair Remover drain tools</li>
<li>$ 88.26<span style="white-space: pre;"> </span>Laundry basket, stocking suffers</li>
<li>$ 622.54<span style="white-space: pre;"> </span>TARGET ???????</li>
<li>$ 332.66<span style="white-space: pre;"> </span>WALMART ???????????</li>
<li>$ 118.68<span style="white-space: pre;"> </span>AMAZON ??????? </li>
</ul>
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkvDw8-pDZYwhyphenhyphenujpkVuDCa1FVDOOL79TI1JxhQ_euwR17pfBE9CExb1JdzujSoFo4KzMcJq-nxt89CN8fWYmF8L-UsEO_Bv-got7rSjYJ2G32xErb6e9rv2YE5XEzfvczyNPvcC3fmggP/s1600/DSCN0734.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1184" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkvDw8-pDZYwhyphenhyphenujpkVuDCa1FVDOOL79TI1JxhQ_euwR17pfBE9CExb1JdzujSoFo4KzMcJq-nxt89CN8fWYmF8L-UsEO_Bv-got7rSjYJ2G32xErb6e9rv2YE5XEzfvczyNPvcC3fmggP/s320/DSCN0734.JPG" width="320" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjndSzBlJsULBeK8JaVSyIuUtJMU6puqDW52GH-KH9atFBLRvvNquKDlzJrUGgAHLkzIUOqPDYLz8CQB0u4tOv4eC55RzsnvLJm5HlmuUA_O_NbASdekMcBWJNq1YuAYRopzx9gl1Qeq-gK/s1600/1228191024a.webp" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="250" data-original-width="188" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjndSzBlJsULBeK8JaVSyIuUtJMU6puqDW52GH-KH9atFBLRvvNquKDlzJrUGgAHLkzIUOqPDYLz8CQB0u4tOv4eC55RzsnvLJm5HlmuUA_O_NbASdekMcBWJNq1YuAYRopzx9gl1Qeq-gK/s1600/1228191024a.webp" /></a></div>
<div>
<br /></div>
<div>
<br /></div>
<br />
<br /></div>
<style type="text/css"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}</style><br />
--><style type="text/css"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}</style>--><style type="text/css"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}</style>-->South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-91974052962479577372019-09-27T07:14:00.001-07:002019-09-27T07:14:22.867-07:00We bought a new car...<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifzd9MotWCU5cyB6Em8ML9ZvPn2wNIrUk9nQducqYe87fSP1WjWhVgOyHcBAtvxk50umPfnNESAd_0RhL_VaTf6_rPSRgg_l0tg7MimmWBLfdPNswOq5D6aCTRp51k_-HR7CYr46kaJMzV/s1600/0130180716.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" data-original-height="900" data-original-width="1600" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifzd9MotWCU5cyB6Em8ML9ZvPn2wNIrUk9nQducqYe87fSP1WjWhVgOyHcBAtvxk50umPfnNESAd_0RhL_VaTf6_rPSRgg_l0tg7MimmWBLfdPNswOq5D6aCTRp51k_-HR7CYr46kaJMzV/s320/0130180716.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">We Kept this one!!!</td></tr>
</tbody></table>
It's been a busy summer at our house, and with fall officially here, I found the time to log-in only to realize "its been awhile" since I posted.... and we have had a lot of big money changes happening in September because we decided to buy a car... (yes you read that right).<br />
<br />
"Stitch," the blue camry I drove for 13 years (after buying it used) was recently sold for $600 cash, and was replaced with a yet to be named "new to us" 2018 Subaru Outback with 7,200 miles on it with a kick butt warranty.<br />
<b><br /></b>
<b>So why did we buy a new car a year before we planned to?</b> Because last year we faced over $3,500 in maintenance on the camry, and the car was only worth around $1200 on the private market... but since we are cash for cars kind of people, and wanted more time to save, we paid it vowing it would be the last year we would do major repairs on the car. No exceptions.<br />
<br />
So, when I went in for an oil change this month, and paid another $230 to fix a leak and get the oil changed, we were given an estimate of another $1,000 to repair yet another thing on the car that had died. (This year already we paid $450 for a new starter -- it was the original one--- ... and I had to pay $160 for a new driver side mirror cause someone clipped my parked car and drove away-- so "Stitch" had a black mirror on its blue car when we sold it).<br />
<br />
Given the fact that the car was safe to drive sans the repair (Mechanic said we could probably put it off 3-6 months before it would NEED fixing for safety), we took a moment to think smartly.<br />
<ul>
<li>The Camry needed an oil change every 3,000 miles because it burned oil like no ones business.</li>
<li>The Camry had two ... yes two not valid in California Catalytic Converters... (but it could pass smog/omission levels...)</li>
<li>Burned oil every time it turned on out the tail pipe a little...</li>
<li>Hard started to make a new noise at times not related to the needed repair above...</li>
<li>Had more miles on it than the Escort, (140,000 vs. 120,000)</li>
<li>And was the car we primarily drove as a family, so we were in it often... and felt each time little dude would kick one of us with his growing legs.</li>
</ul>
<div>
So we decided, to not pay $1,000 to fix the Camry and would take the less popular decision to instead, keep the 2003 Ford Escort. Our mechanics know parts are hard to find for it, but when I went through the list above with them, and told them we didn't care how Frankenstein his car got if it ran since the Escort just had a check up and was given a clean bill of health, had lower miles, and had no issues with major car components or indicators of issues, we decided to making it strictly a commuter car and bounce the Camry. </div>
<div>
<br /></div>
<div>
I had a Friday off work, and despite knowing we were fond of a Subaru Outback from a previous test drive, I didn't want to pay above $30,000 for the sticker price on a car.<br />
<br />
So I hit 4 dealerships in a single day BY MYSELF.<br />
<br />
We had a list of safety features we wanted since we would (baring a car accident or act of god), essentially be picking Eli's first car if we traditionally keep it 13-15 years and it had been a LONG time since I upgraded. Things like back-up cameras are apparently standard now... which is awesome.<br />
<br />
I hit Toyota, Honda, and Mazda, in addition to going back to the Subaru dealership to re-test drive an Outback. I wanted all the cars looked at in one day so the preferences were there and I could rank them, and see what was standard, and what trim line I would have to purchase with a combination of features to get what I wanted.</div>
<div>
<br /></div>
<div>
At the end of the day, I sat in the Outback and was sold. Some of the other cars felt "cheap quality" (Mazda), the Honda would force us to by a trim package with a sunroof and extra nav we didn't want (No garage or carport means no sunroof... hubs worked in a carwash for a long time), and while I was liking the Rav 4... the back seat was at a weird angle and felt too inclined. -- because yes, I sat in every seat in the car, with the engine running, felt the AC, pushed the seats all the way back to get a feel for what it would be with hubs driving, and then made the larger salesmen sit in the seat to see how much room THEY had north of 6 feet. :) </div>
<div>
<br /></div>
<div>
So we knew we wanted a Subaru Outback... Only problem was they didn't have any used 2018-2019 cars with the features we wanted... or they didn't when we went in to the dealer previously....</div>
<div>
<br /></div>
<div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgE8EMU-63vhg01iDKljw8DYZ-yrhwoQJjOa5EJ6ENCXMOhWjCGVc0mVS9IhetUSWH5x2FeBxYimGUuS4gRbYzEqECUKckGetWozRBoq9y_eN8ZYj57vZpHayuWP99npN1-mEEVs7wTmElE/s1600/0921191353.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgE8EMU-63vhg01iDKljw8DYZ-yrhwoQJjOa5EJ6ENCXMOhWjCGVc0mVS9IhetUSWH5x2FeBxYimGUuS4gRbYzEqECUKckGetWozRBoq9y_eN8ZYj57vZpHayuWP99npN1-mEEVs7wTmElE/s320/0921191353.jpg" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
That Friday, on their lot was a 2018 with 7,200 miles... and all the safety features we wanted, in a car with cloth seats, no sunroof, and a heavy duty floor mat in the back... It also wasn't a push button start, which was something I wasn't quite ready to get behind yet. So it was perfect.<br />
<br />
For those of you who don't know, most Subaru's are still on the road after 10 years, so in order to find a certified used one, you are basically looking at lease returns or rentals and hoping for low mileage. We knew with the new 2020 models hitting the lot (and that you never really want to purchase the first year of new upgrades because there will be kinks that need to be worked out), if we didn't want to buy a NEW car, now was really the time... and this car was going home with us. <br />
<br />
After some sweet negotiating skills, we got it for $26,195, $1200 below their sticker/offer price. The negotiating alone is almost a whole blog post on itself because they had sold this car on paper, but someone else drove off the lot in a different car.... and my interest in this car was the only reason they cause the mistake they made 15 days ago.... (lets say someone got a serious "chew-out" session) and their dealership only made a couple thousand dollars off us as I got a peak at their profit loss screen on the car. <br />
<br />
They not only gave us the remaining time on the original 3 year 36,000 mile warranty.. (so free oil and service for 2 years), since it was certified used, it came with an additional 7 year 100,000 mile warranty. Since cars now have multiple computers on them and i'm a pretty low mileage driver (less than 12k a year), we elected to pay $1500 to extend the 3 year 36,000 mile warranty covered items to match the 7 year, 100,000 coverage. So basically everything on the car besides basic wear and tear is covered for 6 more years.<br />
<br />
After taxes, registration, and the added insurance, we wrote a check for just over $30,200.00<br />
<br />
We didn't have $30,000 in our car fund, but we moved some money around and depleted some of our additional "non-bill" related savings such as our $1500 vacation fund, $1000 technology/phone fund, $1000 medical/doctor savings, and $1,000 from our Roxy fund... and emptied our slush fund.... and pulled $4500 from our emergency fund...<br />
<br />
<ul>
<li>We pulled from the emergency fund because Hubs is unexpectedly getting a $2k company bonus out of no where??? AND we had added 2k to it this year, so it was like reversing that deposit... and we will replace $600 back into it from the sell of the camry. </li>
</ul>
We should also be able to replenish the funds soon because we have enacted a very strict spending policy between now and the end of the year (sans Christmas). We are on "gas and groceries" cycle and are avoiding stores, Amazon, and Walmart like its the flu... or cancer...<br />
<br />
But we have a new to us car now that runs, and its super fun and exciting to drive it every day! And I have absolutely no guilt over the purchase, which is, in fact AMAZING!<br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghB_-N0nVAWXcfljohI0coBZ2uA2hs0C_12NPh1vwnZg8px-Hs_lYfqz6yy6bOBwrL0XvlVfWKsC93MtXnTsF7tLhe5zf-nAlGH4MHVvWN6DoEGMRiS4EpCtnvmNK28MsOST_BALpgqgiX/s1600/0921191357_Burst01.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghB_-N0nVAWXcfljohI0coBZ2uA2hs0C_12NPh1vwnZg8px-Hs_lYfqz6yy6bOBwrL0XvlVfWKsC93MtXnTsF7tLhe5zf-nAlGH4MHVvWN6DoEGMRiS4EpCtnvmNK28MsOST_BALpgqgiX/s400/0921191357_Burst01.jpg" width="400" /></a></div>
<br />
<br /></div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com2tag:blogger.com,1999:blog-5409437835427293169.post-1758586560552069282019-07-01T04:30:00.000-07:002019-07-01T04:30:04.723-07:00More Tile RemovalNow that it isn't so rainy (it has been such a wet year that we have had to put some home improvement tasks on hold because we didn't really have a place for little dude to chill), we finally set aside a weekend for home improvement. AND MORE TILE REMOVAL!<br />
<br />
<br />
In an effort to not make the house a huge dust blob, we put up plastic...<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkm0W0S7feWWBf39EQcXCKskfME2Z0pk6yVvZgJLRqcJs1L8r4g908gROwQpyEyktOzc8yap6XzGMji6Dtt8L9kp0mhCju3f2K1a51Yt8yHjfMp2pCgLEAO8mr_aUbBEMaHEKxm5nvOuMz/s1600/0601190959.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgkm0W0S7feWWBf39EQcXCKskfME2Z0pk6yVvZgJLRqcJs1L8r4g908gROwQpyEyktOzc8yap6XzGMji6Dtt8L9kp0mhCju3f2K1a51Yt8yHjfMp2pCgLEAO8mr_aUbBEMaHEKxm5nvOuMz/s200/0601190959.jpg" width="112" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4Q46eTYzGTPsF2GrKMB1ikn2Hbch003ejmG2alIK0q4TNzCEBEVDKY_pMj0FHKbHZjOwH-FOZVmcLexRbT1j0raUXvj5oZkQEw-zUXDYGjT1O3eFXKq6JgaGm7yy8XigWS_35MkqZFXuc/s1600/0601191000b+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4Q46eTYzGTPsF2GrKMB1ikn2Hbch003ejmG2alIK0q4TNzCEBEVDKY_pMj0FHKbHZjOwH-FOZVmcLexRbT1j0raUXvj5oZkQEw-zUXDYGjT1O3eFXKq6JgaGm7yy8XigWS_35MkqZFXuc/s200/0601191000b+%25281%2529.jpg" width="112" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifgitNkcnhpSpkErD8VkBUqOJ4Oh-24H85GDqZEeMe1Zyi8vG8RITGOTgeztkCX_VLyQjULdxhuxelwaH-ODhplP7j4_AqByxDJA5Jtm4FMcxPNeu-0mV6_EhJZkPEbLcHN_vXWMe-dKjJ/s1600/0601191000.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifgitNkcnhpSpkErD8VkBUqOJ4Oh-24H85GDqZEeMe1Zyi8vG8RITGOTgeztkCX_VLyQjULdxhuxelwaH-ODhplP7j4_AqByxDJA5Jtm4FMcxPNeu-0mV6_EhJZkPEbLcHN_vXWMe-dKjJ/s200/0601191000.jpg" width="112" /></a></div>
<br />
<br />
But we learned if hubs ran any type of fan at all, you know, so he wouldn't be in hot box ... the plastic fell down. But we had our hearts set on 4 1/2 rows of tile in the kitchen area.<br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMBPLBuoDlL9kMAjVmJlya-VRiy-bPAWZ1zY2FEM4xgWmX_Y7EONNjKrlIFVcIbWt3WmafZYZRYFl2WI-eerWKdbTJCj1p5yvAlDAr6VXiDe7gJcvgHXTXuQwVikmfeehOa8m16lNzlhbx/s1600/0601191000a+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMBPLBuoDlL9kMAjVmJlya-VRiy-bPAWZ1zY2FEM4xgWmX_Y7EONNjKrlIFVcIbWt3WmafZYZRYFl2WI-eerWKdbTJCj1p5yvAlDAr6VXiDe7gJcvgHXTXuQwVikmfeehOa8m16lNzlhbx/s320/0601191000a+%25281%2529.jpg" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
It pretty much took several hours, convinced us we should buy more tools, and we spent the next week or two getting the thin set chipped up, but behold, less tile. </div>
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZAnxkIQSIas2w3YjiquN6z9yl54aSKcW94eZIn5j7Ara-NIGDIBEQATDjEzZcAS3hP5lYyL0hk6f2ypDhJJPdm3tz-FelSrJsLxB9lgDQuL8EYsfBAYz0FXY-VtWmZXP5hbt0-yvNEZxM/s1600/0623191502.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="937" data-original-width="703" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZAnxkIQSIas2w3YjiquN6z9yl54aSKcW94eZIn5j7Ara-NIGDIBEQATDjEzZcAS3hP5lYyL0hk6f2ypDhJJPdm3tz-FelSrJsLxB9lgDQuL8EYsfBAYz0FXY-VtWmZXP5hbt0-yvNEZxM/s320/0623191502.jpg" width="240" /></a></div>
<span id="goog_1683784050"></span><span id="goog_1683784051"></span><br />
<br />South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com3tag:blogger.com,1999:blog-5409437835427293169.post-70766578646122511842019-06-25T04:00:00.000-07:002019-06-25T04:00:04.247-07:00June Mortgage 2019 Update<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPYUaQ2LUgYETQ6-qDuHAuQTYwqEHDEqb-a_7V9qDsM2muC4l49jqnmize2Yj2xGhnMzAKu0BMhQ0_jM_tFucJEYLrYZp2nNS_5nYg3UN_9bv4_94PYmIuw09DhKNvf7X-CNw0IWRFuqAk/s1600/paint++can.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1024" data-original-width="1280" height="256" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPYUaQ2LUgYETQ6-qDuHAuQTYwqEHDEqb-a_7V9qDsM2muC4l49jqnmize2Yj2xGhnMzAKu0BMhQ0_jM_tFucJEYLrYZp2nNS_5nYg3UN_9bv4_94PYmIuw09DhKNvf7X-CNw0IWRFuqAk/s320/paint++can.jpg" width="320" /></a><br />
June marks our 2 year anniversary in our new condo. Since the home improvement projects are still lengthy and on-going, I've been getting a little antsy, just paying our standard mortgage payment every month.<br />
<br />
We pretty much have just been tossing a few extra pennies on each mortgage payment to get us to a nice round number... (and we have only managed to reduce our final mortgage payment by a whopping $97.00.<br />
<br />
But that all changes next month.<br />
<br />
I'm getting a very healthy annual raise this year because I've been working my butt off and instead of inflating our lifestyle, we are going to start accelerating our mortgage repayment plan.<br />
<br />
With the first condo, it took me being in the place a little over 3 years before I was able to refinance, eliminate the MIP, and jump on the "20 year" mortgage bandwagon. <br />
<br />
This time around, we aren't going to do a refinance and pay someone to lock us into a higher payment with a likely higher percentage rate. Nope, this time around we are just going to start adding enough money onto our mortgage payment every month to get us to what a 20 year mortgage would look like with our current loan balance. (I love online calculators)<br />
<br />
So instead of $764.00 a month, it will be $969.00 a month.... starting next month... which will basically wipe out my raise after tithing and it feels like its the right thing to do with our money, which makes me happy.<br />
<br />
<ul>
<li>This change will make our base annual costs around $18,300 a year (before home improvements) when we add in property tax, insurance, and HOA fees.... which is still $8,430 <a href="https://southcountygirl.blogspot.com/2019/01/2019-housing-comps-2-bedroom.html">cheaper than renting </a></li>
</ul>
<br />
I tossed a few extra dollars onto our June payment to celebrate this welcomed change!<br />
<b><span style="font-family: inherit;"><br /></span></b>
<b><span style="font-family: inherit;">Current Mortgage Balance: $154,200.63</span></b><br />
<ul>
<li><b><span style="font-family: inherit;">June Payment:$808.83</span></b></li>
<li><b><span style="font-family: inherit;">Principal paid:$293.85</span></b></li>
<li><b><span style="font-family: inherit;">Interest paid: $514.98</span></b></li>
</ul>
<br />
<br />
<b><span style="font-family: inherit;">Total interest paid on the new loan: $12,582.46</span></b><br />
<br />
Estimated Value: $330,480.00*<br />
<br />
*<i>Until the improvements are finished, we are keeping the value at our property tax level because no one likes an unfinished project.</i><br />
<h2>
<span style="background-color: cyan;">Getting The Keys</span></h2>
If your just catching along with our house buying and selling story, you'll want to check out <a href="http://southcountygirl.blogspot.com/2017/07/single-bedroom-condo-sale-specs.html">the re-cap post on our 1 bedroom condo.</a><br />
<div>
<br /></div>
<b style="font-family: "times new roman";">Our starting profit from the sale of our condo was $181,691.35. </b><span style="font-family: "times new roman";">From there, we purchased a 2 bedroom condo in the same complex. Our very extensive down payment came from the profits we rolled over from the sale of our first place.</span><br />
<span style="font-family: "times new roman";"><br /></span>
<span style="font-family: "times new roman";"><style type="text/css"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--></style></span><br />
<br />
<br />
<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: none; font-family: Calibri; font-size: 11pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="376"></col><col width="97"></col></colgroup><tbody>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Starting Profit"}" style="background-color: #ccffcc; border-color: rgb(0, 0, 0); font-weight: bold; overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Starting Profit</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":181691.35}" style="background-color: #ccffcc; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); font-weight: bold; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$181,691.35</span></td></tr>
<tr style="height: 17px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"New Purchase"}" style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> New Purchase </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" style="border-bottom-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Down Payment"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Down Payment</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-164000}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$164,000.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Wire Transfer Fee ($30 fee waived)"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Wire Transfer Fee ($30 fee waived)</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":0}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$0.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Inspection"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Inspection</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-300}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$300.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Admin Fees (Origination Charges)"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Admin Fees (Origination Charges)</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-899}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$899.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Processing Fees (Origination Charges)"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Processing Fees (Origination Charges)</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-495}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$495.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Appraisal"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Appraisal</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-410}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$410.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Credit Report"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Credit Report</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-32.5}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$32.50</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Flood Cert"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Flood Cert</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-11}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$11.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"County taxes"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">County taxes</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-46.78}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$46.78</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"endorsement fee"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">endorsement fee</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-25}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$25.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Recording grant deed"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Recording grant deed</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-9}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$9.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Recording Trust Deed"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Recording Trust Deed</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-57}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$57.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Notary Fee"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Notary Fee</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-175}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$175.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Messenger Fee"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Messenger Fee</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-25}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$25.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Archiving Fee"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Archiving Fee</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-80}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$80.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"e doc fee"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">e doc fee</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-100}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$100.00</span></td></tr>
<tr style="height: 22px;"><td data-sheets-value="{"1":2,"2":"escrow fee"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">escrow fee</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-798}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$798.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"lenders title insurance"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">lenders title insurance</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-357}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$357.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"sub escrow fee"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">sub escrow fee</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-37.5}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$37.50</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Recording Fees"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Recording Fees</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-150}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$150.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Homeowners insurance"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Homeowners insurance</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-400}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$400.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Prepaid interest"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Prepaid interest</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-140.24}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$140.24</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"HOA Dues"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">HOA Dues</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-93.33}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$93.33</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Hoa Dues"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Hoa Dues</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-350}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$350.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"HOA Processing Fee"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">HOA Processing Fee</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-50}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$50.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"lender credits"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">lender credits</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":6.4}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$6.40</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Seller Credits "}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Seller Credits </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1200}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$1,200.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Escrow Refund from Bank of America"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Escrow Refund from Bank of America</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":572.85}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$572.85</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Refund from Insurance policies"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Refund from Insurance policies</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":159.91}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$159.91</span></td></tr>
</tbody></table>
<span style="font-family: "times new roman";"><br /></span>
<div>
<div>
<div>
<div style="margin: 0px;">
<span style="font-family: inherit;"><b>Money spent to move: $167,834.96.... </b><b>Remaining Profit from original sale: $14,589.16</b></span></div>
</div>
</div>
<div>
<div style="margin: 0px;">
<span style="font-family: inherit;">We got the keys and the same day we moved in, we also started to remodel. (After the boxes were out of the u-haul, we ripped out our master bedroom closet)</span><br />
<span style="font-family: inherit;"><br /></span>
<b><span style="font-family: inherit;">Here's what we have spent so far on the remodel:</span></b><br />
<div style="font-family: "times new roman";">
<style type="text/css"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--></style></div>
<h2>
</h2>
<br />
<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: none; font-family: Calibri; font-size: 11pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="376"></col><col width="97"></col></colgroup><tbody>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Washer/Dryer, fridge, delivery, install & dryer hoses"}" style="background-color: #e5dfec; border-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Washer/Dryer, fridge, delivery, install & dryer hoses</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":2054.87}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); border-top-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$2,054.87</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Stove, microwave, delivery, install, and stove plug + Plug labor"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Stove, microwave, delivery, install, and stove plug + Plug labor</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1055.13}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$1,055.13</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Reverse Osmosis System "}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Reverse Osmosis System </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":233.53}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$233.53</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Tv Mount - Living Room"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Tv Mount - Living Room</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":135}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$135.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"USPS address change "}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">USPS address change </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$1.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Bathroom shower rod, curtain, hooks, tub fixtures"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Bathroom shower rod, curtain, hooks, tub fixtures</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":234.47}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$234.47</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Windows / Slider door deposit"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Windows / Slider door deposit</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":690.03}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$690.03</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Portable wire racks (3)"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Portable wire racks (3)</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":118.22}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$118.22</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"3 Ceiling Fans"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">3 Ceiling Fans</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":382.52}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$382.52</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Laundry Hose Connector"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Laundry Hose Connector</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":7.52}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$7.52</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Paint Samples, Keys, Impact Driver Accessories. tile samples"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Paint Samples, Keys, Impact Driver Accessories. tile samples</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":60.48}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$60.48</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Tools to remove nails from Cement and boards"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Tools to remove nails from Cement and boards</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":27.95}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$27.95</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Electrical Parts"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Electrical Parts</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1213.23}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$1,213.23</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Electrical Labor"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Electrical Labor</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1850}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$1,850.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Ikea Bathroom + Toy Chest"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Ikea Bathroom + Toy Chest</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1266.78}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$1,266.78</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Paint Prep supplies and ceiling paint"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Paint Prep supplies and ceiling paint</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":214.28}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$214.28</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Drywall Costs"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Drywall Costs</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1380}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$1,380.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Heater Repairs"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Heater Repairs</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1146.94}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$1,146.94</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Painting Supplies"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Painting Supplies</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":340.62}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$340.62</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Home Depot Supplies (Bathroom /shower) supplies"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Home Depot Supplies (Bathroom /shower) supplies</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":77.98}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$77.98</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Tub resurface"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Tub resurface</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":500}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$500.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Paint, Door Measure"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Paint, Door Measure</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":124.72}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$124.72</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Home depot Vents and Spray paint"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Home depot Vents and Spray paint</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":54.07}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$54.07</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Window coverings / Curtains/Rods"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Window coverings / Curtains/Rods</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":320.42}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$320.42</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Windows / Sliders /Final"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Windows / Sliders /Final</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":6210.27}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$6,210.27</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"paver stones, 2 plants, plastic sheeting"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">paver stones, 2 plants, plastic sheeting</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":130.25}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$130.25</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"2017 Tax savings (Federal) "}" style="background-color: cyan; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">2017 Tax savings (Federal) </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-1125}" style="background-color: cyan; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$1,125.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"2017 Tax savings (State)"}" style="background-color: cyan; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">2017 Tax savings (State)</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-768}" style="background-color: cyan; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$768.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"2017 \"living in our condo savings\" 6 months"}" style="background-color: cyan; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">2017 "living in our condo savings" 6 months</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-4715.5}" style="background-color: cyan; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$4,715.50</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Home depot / CED - odds and ends"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> Home depot / CED - odds and ends </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":38.48}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$38.48</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Ceiling Paint"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> Ceiling Paint </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":24.49}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$24.49</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Wardrobe, kitchen table, bed frame (Deliver $59)"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> Wardrobe, kitchen table, bed frame (Deliver $59) </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1215.09}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$1,215.09</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Ikea (hinges, end table, storage cubes)"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> Ikea (hinges, end table, storage cubes) </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":187.41}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$187.41</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"fix bathroom shower handle / Coat hook"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> fix bathroom shower handle / Coat hook </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":28.45}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$28.45</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Front door and interror doors"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-size: small;"><span style="font-family: inherit;"> Front door and </span>interior<span style="font-family: inherit;"> doors </span></span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":2468.17}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$2,468.17</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"New shower + install +Fixtures"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> New shower + install +Fixtures </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":7740}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$7,740.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Water Shut Off"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> Water Shut Off </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":150}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$150.00</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"City Permits - Shower"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> City Permits - Shower </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":170.5}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: top;"><span style="font-family: inherit; font-size: small;">$170.50</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Tools for tile removal"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> Tools for tile removal </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":181.78}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">$181.78</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"2018 \"living in our condo savings\" 12 months"}" style="background-color: cyan; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">2018 "living in our condo savings" 12 months</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-7227.33}" style="background-color: cyan; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$7,227.33</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"2018 Tax savings - State"}" style="background-color: cyan; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> 2018 Tax savings - State </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-594.6}" style="background-color: cyan; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">-$594.60</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"3 Celing fans"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> 3 Celing fans </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":258.5}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: top;"><span style="font-family: inherit; font-size: small;">$258.50</span></td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Grinder tool"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;">Grinder tool</span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":34.41}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: top;"><span style="font-family: inherit; font-size: small;">$34.41</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Air compressor, air hammer/chizzle / oil / tile removal supplies"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> Air compressor, air hammer/chizzle / oil / tile removal supplies </span></td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":501.38}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: top;"><span style="font-family: inherit; font-size: small;">$501.38</span></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Hall curtains and rod"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> Hall curtains and rod </span></td><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":3,"3":50.86}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;"><span style="font-family: inherit; font-size: small;"> $ 50.86 </span></td></tr>
<tr style="height: 20px;"><td style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"> </td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Currently in the hole:"}" style="background-color: black; color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px 0px 3px; vertical-align: bottom;"> Currently in the hole: </td><td data-sheets-formula="=SUM(R[-47]C[0]:R[-2]C[0])-R[-49]C[0]" data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":3,"3":3860.20999999997}" style="background-color: black; color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px 0px 3px; text-align: right; vertical-align: bottom;"> $ 3,860.21 </td></tr>
</tbody></table>
<div style="font-family: "times new roman";">
<br /></div>
</div>
</div>
</div>
<div style="font-weight: 400;">
<div style="margin: 0px;">
<b>*</b><i>When we file our taxes for the year, I always factor in what our return would be BEFORE our mortgage expenses drop us into the "itemizing" category. For 2017, we were able to write off over $7,000 and the amounts listed in the chart above are the amount we received back because of our mortgage and property tax deductions... and the sale of our condo and those expenses we could write off. For 2018, we only saved on our state taxes, not having enough deductions to itemize our federal taxes.</i></div>
</div>
<div style="font-weight: 400;">
<div style="margin: 0px;">
<b><br /></b></div>
</div>
<div>
<div style="margin: 0px;">
<i>**We also track how much cheaper it is to be homeowners vs. renters. Our <a href="http://southcountygirl.blogspot.com/2017/07/housing-comps-2-bedroom.html">2 bedroom housing comps </a>tell us that to rent a 2 bedroom for the first 6 months would cost us $13,156 verses $8,440.50 to be homeowners (That's 6 months of Mortgage, additional principal, Prop Tax, HOA, and Earthquake insurance expenses since our Homeowner insurance was purchased in escrow.) So that's how we get our $4,715.50 "living in our condo savings" for 2017. For 2018, we used the same numbers and the difference was $7,227.33. For 2019, we will use these factors in <a href="https://southcountygirl.blogspot.com/2019/01/2019-housing-comps-2-bedroom.html">2019 Housing Comps</a>.</i></div>
<div style="margin: 0px;">
<br /></div>
<div style="margin: 0px;">
<b>So, we are currently in the hole $3,860.21.. and still in home improvement land.</b></div>
<div style="margin: 0px;">
<span style="font-weight: 400;"><br /></span>However, we have $<b>176,279.37</b> in equity, if we assume our property tax value is accurate at <b>$330,480.00</b>. If we were to sell our condo today after 6% commission fees and another $4,000 in closings costs, (plus the amount we are in the hole for) we would walk away with<span style="font-weight: 400;"> </span><b>$148,590.36</b><span style="font-weight: 400;"> </span>verses the <b>$181,691.35</b><span style="font-weight: 400;"> profit </span>we had before we bought this place.</div>
<div style="margin: 0px;">
<br /></div>
<div style="margin: 0px;">
<span style="font-weight: 400;">So we have a ways to go to make this home a worth while investment. For us, having our own room and more space, and being on the bottom unit and closer to the park and play area is worth the </span><b>$33,100.99</b> difference for the time being.</div>
</div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-74372445665101791072019-06-21T11:23:00.000-07:002019-06-21T11:23:16.399-07:00DeJa Vu -- It's raining in our kitchen...At the end of 2018, our Toddler surprised us one night to tell us it was <a href="http://southcountygirl.blogspot.com/2019/02/its-raining-in-kitchen-mom.html">raining in the kitchen</a>... This marked our 2nd incident where our upstairs neighbors decided to do plumbing repairs without properly turning off the boiler. (Incident one was their shower install... incident two was in their kitchen above)...<br />
<br />
And unfortunately, this was in addition to the <a href="https://southcountygirl.blogspot.com/2018/02/slab-leak.html">Slab leak</a> and all the <a href="https://southcountygirl.blogspot.com/2019/02/weve-been-ripping-up-lot-of-tile.html">water we found</a> under the tile in our little man's room... So imagine our our surprise to see this happen AGAIN. Same owner... same renters...<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdeOiveIiV0_iZLtrpEjX7oqQR5BntWTsZGSzFzU68Us9ase_AjxAEfxiySBcTFpoalHRtqcDZt2czIJozOq4I6PKQ5H6n52ZiuJjbMy6E4d9NAgKHExfYE4cuo2Zp2hq721fj9i50ZVod/s1600/0617192224b.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdeOiveIiV0_iZLtrpEjX7oqQR5BntWTsZGSzFzU68Us9ase_AjxAEfxiySBcTFpoalHRtqcDZt2czIJozOq4I6PKQ5H6n52ZiuJjbMy6E4d9NAgKHExfYE4cuo2Zp2hq721fj9i50ZVod/s320/0617192224b.jpg" width="240" /></a><iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.blogger.com/video.g?token=AD6v5dwZVvsmaV1oz5JwO2NFJwvWv8VldQZu_cmeDK9xnvrr6jUCa5YuDjwj0snoyJ4KzQO8M2pLmwBNIInqMZ9djA' class='b-hbp-video b-uploaded' frameborder='0'></iframe></div>
<br />
But this time they decided plumbing repairs should be done at 10 pm at night... Yup, you read that correctly, 10 pm at night. Hubs was doing dishes in the kitchen and saw water leaking down...<br />
<br />
Naturally I went up there to let them know what was going on, and instead of stopping, they continued to do "repairs." So water leaked into my house for 2 hours straight... yup, we couldn't do to bed until Midnight.<br />
<br />
at 10:35 pm the HOA after hours emergency line returned my call, informing me they would dispatch the plumbing company that can turn the boiler off. Ironically, it was the same person I spoke to the last time this happened...<br />
<br />
10:56 pm, HOA calls me back to confirm I have an ETA from the plumber with an arrival time. I inform her that I do not have an ETA and have not gotten a call from the pluming company.<br />
<br />
When the renters "plumber" AKA the homeowners handyman (who apparently does electrical work too... which is just plain scary.. ) tried to ask me to run my water so they could flush stuff out. I had to refuse because it would damage my unit more since the water wasn't turned off in the building! I pleaded again for them to stop working until the water was shut off, but they refused.<br />
<br />
11:20 pm, I got fed up and called the plumbing company directly, and asked for an ETA of arrival since my unit was getting rained on. They tell me I should get a call in 10 minutes from the driver with an ETA.<br />
<br />
11:45 pm, water still coming down and no call from the plumber.... but he shows up 5 minutes later and he told me he didn't call because he was already on the way... this was on the stairwell of the neighbors unit, as he didn't even come into mine.<br />
<br />
12:06 AM the water stops leaking down... we hear lots of pipe cutting noises... but since the water isn't leaking, and since no one is coming to our unit since the problem is above us, we put box fans up in the kitchen facing the ceiling and go to sleep.<br />
<br />
------ Next day ------<br />
<br />
Emails with photos to the HOA .... they dispatch the flood remediation company .... the next day they come to the property, and end up cutting a HUGE hole in our ceiling.... remove all the installation.... and tell us the bad news...<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkBGb3shIxNJfTHTiT9RsUlHEzbpF1Dmh0N0tSj5a8O7lRyjwAfKdkGUUPx0Nhpv4UT1wV1S-uIp9g_PjiXLdI7fLTqq9nWLQL2CMO9RZSgIMi2FTpjHUhb6nVeu9L-aTSmgCYFM0v2q69/s1600/0619191702a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjkBGb3shIxNJfTHTiT9RsUlHEzbpF1Dmh0N0tSj5a8O7lRyjwAfKdkGUUPx0Nhpv4UT1wV1S-uIp9g_PjiXLdI7fLTqq9nWLQL2CMO9RZSgIMi2FTpjHUhb6nVeu9L-aTSmgCYFM0v2q69/s320/0619191702a.jpg" width="240" /></a></div>
<br />
We are going to have to close all our doors and windows for the next 3-5 days, and run the dehumidifiers and super jet fans on constant cycle.... because these pull so much power, they have to disconnect a few appliances...<br />
<br />
Oh ya, and these things radiate heat so your house is going to be a hot box... but because your kitchen is still "accessible" the HOA won't relocate you during the drying out process... even though you don't have AC in your unit.... and you won't be able to talk or hear anything in this area because they are REALLY loud.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzfYcGSVoFax-Fh3Q7sYnAbKrvlDHn80cPAelaFsuUNhiFCVexBECMSgFORYItG0OZt6HwWQMI6V7SwRenQZR-l9PqRv2UZLqI7HNMAbnKu6W4beqjxtbioGSxi-XhxrveqEVOAOZP3mCw/s1600/0619192015.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzfYcGSVoFax-Fh3Q7sYnAbKrvlDHn80cPAelaFsuUNhiFCVexBECMSgFORYItG0OZt6HwWQMI6V7SwRenQZR-l9PqRv2UZLqI7HNMAbnKu6W4beqjxtbioGSxi-XhxrveqEVOAOZP3mCw/s320/0619192015.jpg" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
So, we let it go.</div>
<div class="separator" style="clear: both; text-align: left;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
We ordered take out, barricaded ourselves in the master bedroom and sealed off the hall way so we could at least open a window in one room for fresh air and lower temps to sleep.. and we dealt with it.</div>
<br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-2wn6Hju5GYn0_LIKXPtjVO4JfJtewZPUgMuuZxhQHL_gJpadOMagacvgmNQAKPYZPy7-nD7VoVICUiAwoGP_82UQ6N4RjiL4xTlNlpETIMhIi8-lBjaHp-AH2eTbnWE1dIN0WmS55D3n/s1600/0620191655.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg-2wn6Hju5GYn0_LIKXPtjVO4JfJtewZPUgMuuZxhQHL_gJpadOMagacvgmNQAKPYZPy7-nD7VoVICUiAwoGP_82UQ6N4RjiL4xTlNlpETIMhIi8-lBjaHp-AH2eTbnWE1dIN0WmS55D3n/s320/0620191655.jpg" width="240" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><br /></td></tr>
</tbody></table>
<span style="font-family: inherit;"><span style="text-align: center;">It got up to 93 degrees.... would have been more </span></span><span style="font-family: inherit; text-align: center;">but we lucked out and its be in the mid 60's and </span><br />
<span style="font-family: inherit;"><span style="text-align: center;">raining off and on... and not a typical California June. </span></span><span style="font-size: 12.8px; text-align: center;"> </span><br />
<span style="font-size: 12.8px; text-align: center;"><br /></span>
<br />
The good news was that the technician told me that because the hole was so huge (they had to cut around a can light so its just floating now), if we didn't turn the fans and heaters off they might be able to come by on Wednesday and check the status and remove the equipment before the weekend. so instead of 5 days, it would be Wed Night, 24 hours on Thursday, and hopefully removal by mid-day on Friday.<br />
<br />
I update HOA that i'm booking the inspection for Friday and cross my fingers....<br />
<br />
------- Friday -------<br />
<br />
They come, and we have a 6% moisture level.... anything under 12% is considered dry, so we were like bone dry!<br />
<br />
Now I have to coordinate with the HOA to have the drywall and my can light replaced, and for them to texture the ceiling.<br />
<br />
Apparently we will have to pay for it to be painted and they won't paint it this time (apparently last time they decided to be nice and just pay the guy to paint it, but our new rep isn't going to authorize the painting.<br />
<br />
When the repair company comes, i'm going to ask them to quote me to paint it if i already have the matching paint and see what he will charge me... and if I can get "the landlord" to reimburse me for the costs... cause I really don't want to sand a ceiling down AGAIN... I've spent enough time in a drywall dust mask in this unit already...South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com1tag:blogger.com,1999:blog-5409437835427293169.post-51720843372014831372019-06-06T04:00:00.000-07:002019-06-06T04:00:02.430-07:00Cucamonga Peak<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
<b>I have a new favorite number... and it's 8859... cause that was how high I was when I finished Cucamonga Peak!</b></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqf8R9f7fwyjSQWEhFDyk2OYMTz4JViqlwlPmHfs4kKLpFBNrkWpkhEoYRTXUn8lSUn34k7Hl_g9Qf1W10XKC_Ct3fmmikD7upYNUUbOSReq6xUUfd4-a-8HzGWObGLoWIjHFGfAX1Q0_2/s1600/0518191529a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqf8R9f7fwyjSQWEhFDyk2OYMTz4JViqlwlPmHfs4kKLpFBNrkWpkhEoYRTXUn8lSUn34k7Hl_g9Qf1W10XKC_Ct3fmmikD7upYNUUbOSReq6xUUfd4-a-8HzGWObGLoWIjHFGfAX1Q0_2/s640/0518191529a.jpg" width="640" /></a></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
<br /></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
We started on Saturday morning at 6 am at the trail head and made our way up the mountain. I was rocking just under 30 lbs for our overnight adventure with food and water. My training paid off and I enjoyed the hike to the summit. </div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg8DlkuZKQvYzNB-VVrMPVJuyqLRk23GKnCTg2CplAsLLOMQ6sFc1vvOaULCkBF5rKRojFYqndAbktJz02s87QJXOPsmdSThXcSNSqz1wvaE1LPyMtKM-6OKHrNgLozhsve-Ju5fNP0dBHW/s1600/0518190526.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="937" data-original-width="703" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg8DlkuZKQvYzNB-VVrMPVJuyqLRk23GKnCTg2CplAsLLOMQ6sFc1vvOaULCkBF5rKRojFYqndAbktJz02s87QJXOPsmdSThXcSNSqz1wvaE1LPyMtKM-6OKHrNgLozhsve-Ju5fNP0dBHW/s320/0518190526.jpg" width="240" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKZdcvQL5WV4IL0vXIqaHeRnHdusLrN6Lb_PnjJFZcxWu3H5CDmP_HJ1-rO0NlppFc0A6H9czNs_HO7JJ3uMmLYc7oXOPSD0MllPuprLGDgmJ4-NNm5iGSlBD-lKM6vtKWmrrZ8-Fm72li/s1600/0518190620b.jpg" imageanchor="1" style="background-color: transparent; display: inline !important; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKZdcvQL5WV4IL0vXIqaHeRnHdusLrN6Lb_PnjJFZcxWu3H5CDmP_HJ1-rO0NlppFc0A6H9czNs_HO7JJ3uMmLYc7oXOPSD0MllPuprLGDgmJ4-NNm5iGSlBD-lKM6vtKWmrrZ8-Fm72li/s320/0518190620b.jpg" width="180" /></a></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
</div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
<br /></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
We took ample breaks because my short legs can only go so far, so fast, but i've seen a lot of improvement in my stamina and strength since I started planning for this back in January. We decided to skip Ontario Peak because it was actually a 6 mile add on, and instead Keith back tracked 1/2 a mile to get more water since we weren't heading to Ontario. </div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZRqgQyghgDAqt2tqZf3ObTLSh3n14HxeVEzI2LWcvA0HYYQQOpJl_J-72Q0cLXgeNmVxCFiKQe8-gOiTK9DN9VTXXxaK3YyNScdVwpghalf7GYAXaY6nVjBuoyrrW-TZkDaaceBZTkZpm/s1600/0518190652a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZRqgQyghgDAqt2tqZf3ObTLSh3n14HxeVEzI2LWcvA0HYYQQOpJl_J-72Q0cLXgeNmVxCFiKQe8-gOiTK9DN9VTXXxaK3YyNScdVwpghalf7GYAXaY6nVjBuoyrrW-TZkDaaceBZTkZpm/s320/0518190652a.jpg" width="180" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8OrV2xmvDLGqYe-iVoaSbz9YtjcZPCBMoBz7NVAC79TOf-tWCoDrtOmgBVTvn-sE8y9RAO19_SC6sVfNa5y8BSbBy7yoVi800Z-TpVDJh9rbUo0gCBiXRSfvx_5TSp6jZf9isVDlxwU7w/s1600/0518190916.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8OrV2xmvDLGqYe-iVoaSbz9YtjcZPCBMoBz7NVAC79TOf-tWCoDrtOmgBVTvn-sE8y9RAO19_SC6sVfNa5y8BSbBy7yoVi800Z-TpVDJh9rbUo0gCBiXRSfvx_5TSp6jZf9isVDlxwU7w/s320/0518190916.jpg" width="240" /></a></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSKNdSXaL_wlot40lHTq1ArbtIWeVK959AxqsF1T3O6CVWHsy1SVL_kQ-AkVEobRC0RPNIPdCfOsqDB_veE8XmV787Lsg564aSR0gxONYKDqm66YQtPm96TzeLwQ5UhgUskjmi9nsM0FFT/s1600/0518190922.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSKNdSXaL_wlot40lHTq1ArbtIWeVK959AxqsF1T3O6CVWHsy1SVL_kQ-AkVEobRC0RPNIPdCfOsqDB_veE8XmV787Lsg564aSR0gxONYKDqm66YQtPm96TzeLwQ5UhgUskjmi9nsM0FFT/s320/0518190922.jpg" width="320" /></a></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
<br /></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
We had 1st lunch at the saddle and then ventured to the peak. I carried the extra water in exchange for him going to get it from the river/stream. The trail was clear of snow except for 2 small stretches and the views at the top were spectacular.</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaIKjrDIVujfcsefanwCZug3yDXYYEUOHBG6jMqbkM5P1qoubttWaZ6Bpoem86fKEGcensbJ9EYot886CjZtFOEF_nmcpMjPjDcrvqkWMnYbkNEMS-XujUUpGSoEn5_GD1O05c-QaDpKB-/s1600/0518191028.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaIKjrDIVujfcsefanwCZug3yDXYYEUOHBG6jMqbkM5P1qoubttWaZ6Bpoem86fKEGcensbJ9EYot886CjZtFOEF_nmcpMjPjDcrvqkWMnYbkNEMS-XujUUpGSoEn5_GD1O05c-QaDpKB-/s320/0518191028.jpg" width="180" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibNyBtCGd9Q7gXInT5YiyTcbx2v7JwxmCd7dFCk4imICAXAV1s_t2E1YR8UZy9aKlB98LotAHfkOW9ng9IN9O15Q75Ta70G8BucX_U-2Ccd2GBY2MGBNwh5-46tUOBWf_EmZz5FUYU1BYc/s1600/0518191150.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibNyBtCGd9Q7gXInT5YiyTcbx2v7JwxmCd7dFCk4imICAXAV1s_t2E1YR8UZy9aKlB98LotAHfkOW9ng9IN9O15Q75Ta70G8BucX_U-2Ccd2GBY2MGBNwh5-46tUOBWf_EmZz5FUYU1BYc/s320/0518191150.jpg" width="180" /></a></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
We planned to hike overnight from the start (that was the whole purpose of the trip, my first overnight hike)... however we found ourselves re-thinking that plan when we heard the weather unfortunately was going sour. The storm in the forecast for mid-day Sunday, moved in Saturday evening. We were prepared for cold temperatures and expected, at worst, a sprinkling of snow on Sunday.... instead rain started soon and we knew the temperatures would drop down into the 20's and it was clear we would get much more snow then we expected. </div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiK6eEh0JJ6prB8R20E67fkS9NnU-REXEiyVcm3fm-4m8WI9L9I13Wup7xQU8du5nrjMQviTzmDefdBq3pOPXxI_VwkFRzSff29YGwh2rCebINntmHlgqhxpFiSeY_H5fx7NttAwxi-IVLn/s1600/0518191242.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiK6eEh0JJ6prB8R20E67fkS9NnU-REXEiyVcm3fm-4m8WI9L9I13Wup7xQU8du5nrjMQviTzmDefdBq3pOPXxI_VwkFRzSff29YGwh2rCebINntmHlgqhxpFiSeY_H5fx7NttAwxi-IVLn/s320/0518191242.jpg" width="180" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4bz7kuLBJxbc-LnkWfSpafQAE3vvruOXNG1HMeLtZxF5TpY8PE7H5nnPZp0PKvsVRFBZ81obtfrt8Dx8-KH2IjracxqTt23-wY_IldKgs9hP47UbWuLAHawv16PDrEUaApehOcMIWwg9v/s1600/0518191204.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4bz7kuLBJxbc-LnkWfSpafQAE3vvruOXNG1HMeLtZxF5TpY8PE7H5nnPZp0PKvsVRFBZ81obtfrt8Dx8-KH2IjracxqTt23-wY_IldKgs9hP47UbWuLAHawv16PDrEUaApehOcMIWwg9v/s320/0518191204.jpg" width="180" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOoRlIw81iDqgtD-l2pkv0ZVIdVpSqzN2StGaZYg_ZQB7BBhQAy1oQVvGQPkNQOGhuW0rYbk4_bwN96d62F6anXa_4MzYuRTfImd5R6jM9eaj3RzuNPFll6Ow_PfbOcPwgYRNzcN8GOFyq/s1600/0518191153a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="356" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOoRlIw81iDqgtD-l2pkv0ZVIdVpSqzN2StGaZYg_ZQB7BBhQAy1oQVvGQPkNQOGhuW0rYbk4_bwN96d62F6anXa_4MzYuRTfImd5R6jM9eaj3RzuNPFll6Ow_PfbOcPwgYRNzcN8GOFyq/s640/0518191153a.jpg" width="640" /></a></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
<br /></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
We<span style="background-color: transparent;"> </span><span style="background-color: transparent;">contemplated breaking camp and heading back down to the saddle, but I made the decision that we should stay. It was a hard decision to make, knowing that Keith was anxious to stay, but 5 other tents were with us at the peak and we were set up and dry. Keith was also not in the state to completely get off the mountain that night. </span><span style="background-color: transparent;">The weight of his pack was much heavier than mine and it wasn't carrying well. If we broke camp, we would likely get wet in the coming rain, and our gear would get wet... and then we would have to rely on wet gear to keep us warm for the night at the saddle, and we may have had to hike in the rain, downhill, in the dark....</span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhA6zA2qTqHSdlQC_JNIBA-quRuPywSb-DT-Lv8xR7moj4Vqe8waTTvhwxXQDKfJCJx-bSFXV-SGG8lVjAMseK6qWaZ0fyNNcXNeTyudr5Onc9q9X-pisYA-HqJZEbUvSQLuC-VBtIzjZMH/s1600/0518191523.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhA6zA2qTqHSdlQC_JNIBA-quRuPywSb-DT-Lv8xR7moj4Vqe8waTTvhwxXQDKfJCJx-bSFXV-SGG8lVjAMseK6qWaZ0fyNNcXNeTyudr5Onc9q9X-pisYA-HqJZEbUvSQLuC-VBtIzjZMH/s320/0518191523.jpg" width="180" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaeNbnT-AIay363R7ST9-3maC5SBRW6MsF93JysoYwrbRfsXSmESxvDzfjThVRGK3m3gi1QYhdjn2ndzjiWqnUKVY1w6wfcWjcXCiAyda405Xiyd4rsR-Sq8SabZbSM_p8LyvikTbqhXNM/s1600/0518191522b.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaeNbnT-AIay363R7ST9-3maC5SBRW6MsF93JysoYwrbRfsXSmESxvDzfjThVRGK3m3gi1QYhdjn2ndzjiWqnUKVY1w6wfcWjcXCiAyda405Xiyd4rsR-Sq8SabZbSM_p8LyvikTbqhXNM/s320/0518191522b.jpg" width="320" /></a></div>
<br />
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
So we camped... we prayed... told the other campers we were heading down at first light, and tried to get some sleep on the totally not flat camp slot we set up to help block the wind. I'm not going to lie... </div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
There was some panic when it was still snowing at 3 am and too dark to see really what we were getting into... but then the snow stopped at 4:00 am... and we were able to confirm again that we weren't alone on the peak. Others were camped still. </div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
<br /></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
To calm down, we told ourselves we could always go down in a group if we wanted to wait longer.</div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
We had 3-5 inches outside of out tent. Knowing by 5:30 it would be light out, we began to slowly break camp... re-packing our bags and gear in dry sacks and adding layers for warmth. We still had our emergency back up gear we didn't need to use in the night for warm, and we waterproofed ourselves the best we could to manage any more snow fall that may happen going down the mountain.</div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
It was clear at 5:30 am, that everyone else was still snoozing in their tents, and we could be ready to go only needing to break down our tent. Early snow is better to cross than late day snow and I didn't want to wait an hour or two for the others to wake up and then strike. I said a prayer to myself and told keith with confidence we were heading down now... and he followed my lead.</div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
The trail was covered in snow... and mostly missing. </div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4GkNyI9B8UNPAe3zm73DoXHpecgnlmgTTga-qaFKItsUup_3IHckM9KsbFiWNeUllpLkpRH_pvixfhyphenhyphenMW3sVbYhOqG_nazrb6__Bs-CfmxYYMLGYfjH_2idfDr_NLgp9PEmdvPWHn2Whq/s1600/0519190656a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="900" data-original-width="1600" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4GkNyI9B8UNPAe3zm73DoXHpecgnlmgTTga-qaFKItsUup_3IHckM9KsbFiWNeUllpLkpRH_pvixfhyphenhyphenMW3sVbYhOqG_nazrb6__Bs-CfmxYYMLGYfjH_2idfDr_NLgp9PEmdvPWHn2Whq/s400/0519190656a.jpg" width="400" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
We pulled up the GPS map we downloaded, found our dot and headed off in the direction of the trail. Before leaving I used Snow "texting" to write in the snow "left at 6 am" so the other campers would know we kept our plan. We set our ground rules that we would stick to for safety. I would carve out time markers in the snow when we passed certain sections, so the campers behind us would know where we went and when we passed by when they descended. We would also re-check the trail GPS map, to make sure we were on trail and not on some random patch of dirt and snow every 10-15 minutes, or at a switchback. We both had to agree before making a turn that we thought the trail was the trail and that we confirmed it with the map. The others would likely follow our footsteps, so we didn't want to lead them the wrong way either.</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM68hbW1Cwik0MHijKPOHzRLHtfa6QZzGmfcUTZ_KSyd0Ky2PAedeb-WtLF0QDVX4GT0S3Jm77NT0Clq6upFWWAqwJQHdsaaeRmkX6Pd6nNdAjC0efxRINGGFgyhUt3_LtYZtlze9YKz9d/s1600/0519190603.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM68hbW1Cwik0MHijKPOHzRLHtfa6QZzGmfcUTZ_KSyd0Ky2PAedeb-WtLF0QDVX4GT0S3Jm77NT0Clq6upFWWAqwJQHdsaaeRmkX6Pd6nNdAjC0efxRINGGFgyhUt3_LtYZtlze9YKz9d/s320/0519190603.jpg" width="180" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivqpgs_W2iXzymWPe7uDaUETtrrMPhMw-JPKiVZ2p30Lod6qL8uw4fRW42TVIMoot7L9AcXtUxxGIsqb8lTT8Us4cXKPBPZwhuhgBbjzWIsMSrFCPrkC6jFN3b_gVIsai2AIkE4famFrUU/s1600/0519190654.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivqpgs_W2iXzymWPe7uDaUETtrrMPhMw-JPKiVZ2p30Lod6qL8uw4fRW42TVIMoot7L9AcXtUxxGIsqb8lTT8Us4cXKPBPZwhuhgBbjzWIsMSrFCPrkC6jFN3b_gVIsai2AIkE4famFrUU/s320/0519190654.jpg" style="cursor: move;" width="180" /></a></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
<br /></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
<br /></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
After 30 minutes decent, our fears were behind us. We have experience snow hiking, and we were smart in our preparations. We slept with water and our filter in our sleeping bags so we had supplies that did not freeze overnight... we had dry clean clothes to hike in.... and enough base layers to keep warm... We began to enjoy the trail again and made our decent. (we even scored some trail names).</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjsLrWcE34pRgK7S7IT-_TZ3lPvs65FHdmAHFysugOwe0ykFETiSK4w2yCZrHJcfdqowpoXCpDlDfHLft0a-0mnDWMnCruBQGwZBNPY5-irowlJCYd8YNkb0nhyphenhyphenI-vlQrgsauprNtUkk3_W/s1600/0519190650.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjsLrWcE34pRgK7S7IT-_TZ3lPvs65FHdmAHFysugOwe0ykFETiSK4w2yCZrHJcfdqowpoXCpDlDfHLft0a-0mnDWMnCruBQGwZBNPY5-irowlJCYd8YNkb0nhyphenhyphenI-vlQrgsauprNtUkk3_W/s320/0519190650.jpg" width="320" /></a></div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
At the saddle, the wind turned and the snow was not only on the ground, but sleeting in sections. This confirmed my choice in camping on top of the mountain, because we wouldn't have escaped the snow if we broke camp and camped there.</div>
<div style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
As we descended, we told other hikers attempting to do the trail the current conditions, how many people were ahead of them, and how many people camped at the peak. All were grateful for our steps that would mark the trail, and to know when to turn around if they felt it was sketchy.</div>
<div style="background-color: white; color: #1d2129; display: inline; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-top: 6px;">
<b>First overnight trip is in the bag!</b></div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-37020374289801055792019-06-03T04:00:00.000-07:002019-06-03T04:00:06.834-07:00May spending<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpitSDfG6SdeXAju_rMBzTu2DuoBjZGdUknkQHYHotDmjww-t7YbrfC8XoFSl0asm5gmG41cR72f6YHvieAbFQzDJ6GxZV_uWIVpKMECEgxc2qow9iBPiAwvyEnzDhd2orBTPyIYkdzKvQ/s1600/0504191105_Burst01-ANIMATION.webp" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="141" data-original-width="250" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpitSDfG6SdeXAju_rMBzTu2DuoBjZGdUknkQHYHotDmjww-t7YbrfC8XoFSl0asm5gmG41cR72f6YHvieAbFQzDJ6GxZV_uWIVpKMECEgxc2qow9iBPiAwvyEnzDhd2orBTPyIYkdzKvQ/s1600/0504191105_Burst01-ANIMATION.webp" /></a>With work events, wrapping up birthdays and mother's days, and getting things wrapped up, the blog was a little quiet for May. We hiked Cucumonga Peak and i'll do a re-cap post on that shortly, and we managed to start back up on the home improvement projects!<br />
<br />
But for now: What we spent in May:<br />
<br />
Groceries: 324.80<br />
Gasoline: $295.80<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEja2Z9E0Nm_MBTN9qY0lrdmISH3aO1f9voGUf1pbi-mAdeerxoJDYgA43rWkRDT0cNgSgjwkBkanFij5bXhZAz14TG2_gDAmZ327jzK6kwuAOWrtpJAxRwaRFcRXzlOIuqulUdK3WdtSKjg/s1600/0507191145.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEja2Z9E0Nm_MBTN9qY0lrdmISH3aO1f9voGUf1pbi-mAdeerxoJDYgA43rWkRDT0cNgSgjwkBkanFij5bXhZAz14TG2_gDAmZ327jzK6kwuAOWrtpJAxRwaRFcRXzlOIuqulUdK3WdtSKjg/s320/0507191145.jpg" width="240" /></a><br />
<ul>
<li>Me: $129.48 (after work rebate of $37.82)</li>
<li>Hubs: $166.32</li>
</ul>
<div>
Car Insurance: $694.93</div>
<div>
<ul>
<li>Our 6-month premiums were due.</li>
</ul>
</div>
Eating Out: $187.14<br />
<br />
<ul>
<li>Thankfully the last of the birthday dinners out :) This should go back to normal soon instead of the inflated spending we had in March, April, and May</li>
</ul>
Clothing:<br />
<br />
<ul>
<li>Me: $146.63</li>
<ul>
<li>4 bras. I was desperate for something comfortable and after 3 stores, I finally broke down and went to Nordstroms in the mall, got fitted and walked out happy!</li>
</ul>
<li>hubs: $75.40</li>
<ul>
<li>2 pairs of Nike's from the outlet store. His day shoes had holes.</li>
</ul>
</ul>
Gifts: $93.48<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhW1SWmjF340g1IfQdA2zICvCAq4mZ_PtopQ9q3S7eDQE8SSrSEnu6lqOSHBCsV15Ye9ElHfhxIzfI3awpvI1ZIDDUSuc3Y1XAibO5ilJUIuE-Vvk6_Wcws4hAbU-RarwZtjzTLCUUaCKz4/s1600/0509191218c.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="1184" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhW1SWmjF340g1IfQdA2zICvCAq4mZ_PtopQ9q3S7eDQE8SSrSEnu6lqOSHBCsV15Ye9ElHfhxIzfI3awpvI1ZIDDUSuc3Y1XAibO5ilJUIuE-Vvk6_Wcws4hAbU-RarwZtjzTLCUUaCKz4/s320/0509191218c.jpg" width="320" /></a><br />
<ul>
<li>Few co-workers with baby showers or leaving parties, and my sister's son's birthday party. </li>
</ul>
<div>
Little Dude:</div>
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgirecnzaOFsD8xf8qmUN5vxTKs-siix2HSbyi_ujublWmp2kN6_7j6MoztkzAweNpDEFsIXnPMDs4jbGmDH_k_rZL9E7faZupz9xTkGfZhpn5c1vhOeQTrCJjDds1oaUtCt6quhZJQ_w6l/s1600/0525191201.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgirecnzaOFsD8xf8qmUN5vxTKs-siix2HSbyi_ujublWmp2kN6_7j6MoztkzAweNpDEFsIXnPMDs4jbGmDH_k_rZL9E7faZupz9xTkGfZhpn5c1vhOeQTrCJjDds1oaUtCt6quhZJQ_w6l/s320/0525191201.jpg" width="240" /></a><ul>
<li>$26.93 Pull-ups / Overnight diapers</li>
<li>$14.91 Swim toy / Glider</li>
<li>$22.57 Poop helpers</li>
<li>$5.37 Clogs / non-sneaker shoes</li>
<li>43.09 Booster seat for Hub's car.... little man weighs 40 lbs now.... which is apparently the size of a 6 year old... but his doc said he isn't fat, just sturdy... This model is still got head support and other stuff, but he out grew the seat in hubs's car and this was at aldi's for a steal for a graco!</li>
</ul>
<div>
Tithe / Giving: $770.00</div>
<div>
<br /></div>
<div>
Daycare: $960.00 (Paid a $50 summer fee too)</div>
<div>
<br /></div>
<div>
Doctors: $30.00</div>
<div>
<ul>
<li>Little dude needed two ENT appointments. His hearing test was poor, but since his tubes are out, the doctor wants swim lessons this summer, and then put them back in during the fall. So one visit for a sound test, the other for the doc to postpone until fall. </li>
</ul>
<div>
Dog:</div>
</div>
<div>
<ul>
<li>$37.11 Kibble</li>
</ul>
<div>
Internet: $65.99</div>
</div>
<div>
<br /></div>
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_mxofm8oJ6ufGPAzYdTrREI84i3GTsu_48gMvpeaCMXqfzZrxJuZVl36HN6H7pB4devNZf6mKstRsSTMI0b13EdrNBHnBhWYUgjSJUdv0r2YYwcHcmZOgMSN7leM0ch_963l44PxpcEuM/s1600/0525191420a.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_mxofm8oJ6ufGPAzYdTrREI84i3GTsu_48gMvpeaCMXqfzZrxJuZVl36HN6H7pB4devNZf6mKstRsSTMI0b13EdrNBHnBhWYUgjSJUdv0r2YYwcHcmZOgMSN7leM0ch_963l44PxpcEuM/s320/0525191420a.jpg" width="240" /></a>Housing:</div>
<div>
<ul>
<li>HOA: $367.50</li>
<li>Mortgage: $764.00</li>
<li>Insurance and earth quake annual premiums: $643.00</li>
</ul>
<div>
Renovation: $50.86 -- We bought curtains for the hall laundry room and its the best thing ever!!</div>
</div>
<div>
<br /></div>
<div>
Fun money: $80.00</div>
<div>
<br /></div>
<div>
Audible: $14.95</div>
<div>
<br /></div>
<div>
Netflix dvd: $8.61</div>
<div>
<br /></div>
<div>
Electricity: $23.73</div>
<div>
<br /></div>
<div>
Discretionary: $158.62</div>
</div>
<br />
<div>
<ul><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhlIdtYtSQg4bn4paaji38VHm0lty6WLrGhriV-A3733Lc6el6imSbjEDXI_RoSpkovj4XAmVKK6rK8QD6nWoq8uGI5wZMbz3HnXArDvmth2lGZNO11F4ihqXFp4MFcu-HCwa9ipMgnVYH/s1600/0518191529c.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhhlIdtYtSQg4bn4paaji38VHm0lty6WLrGhriV-A3733Lc6el6imSbjEDXI_RoSpkovj4XAmVKK6rK8QD6nWoq8uGI5wZMbz3HnXArDvmth2lGZNO11F4ihqXFp4MFcu-HCwa9ipMgnVYH/s320/0518191529c.jpg" width="320" /></a>
<li> $ 9.09 <span style="white-space: pre;"> </span> Hygiene items </li>
<li>$ 8.59 <span style="white-space: pre;"> </span> Home Depot - utility knife </li>
<li>$ 16.74 <span style="white-space: pre;"> </span> Card / Car Sun Shade </li>
<li>$ 10.98 <span style="white-space: pre;"> </span> (2) Turnover / ($1) item / 8 count of "mini cho" </li>
<li>$ 29.46 <span style="white-space: pre;"> </span> Clip on sunglasses </li>
<li>$ 4.30 <span style="white-space: pre;"> </span> Chap stick </li>
<li>$ 10.76 <span style="white-space: pre;"> </span>TP</li>
<li>$ 32.31 <span style="white-space: pre;"> </span> Watch band, sink stopper </li>
<li>$ 2.14 <span style="white-space: pre;"> </span> Sandwich bags </li>
<li>$ 34.25 <span style="white-space: pre;"> </span>Kitchen Items (Tongs, Spatula, Soap)</li>
</ul>
</div>
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnWh60PcOKtiyd61y_yFaw1mNf5Z5uY3JBU4zz8Oa1Kl6-anDPd9nk7WUT-3z9-7aWFuLM4eUKXAVSnKXyC_v5qXJH-fYiivkwea87CLKuFCEzvcReQLkn6sYJ1-5IvH6GblStzUmncYa_/s1600/0526191053-ANIMATION.webp" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="250" data-original-width="141" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnWh60PcOKtiyd61y_yFaw1mNf5Z5uY3JBU4zz8Oa1Kl6-anDPd9nk7WUT-3z9-7aWFuLM4eUKXAVSnKXyC_v5qXJH-fYiivkwea87CLKuFCEzvcReQLkn6sYJ1-5IvH6GblStzUmncYa_/s1600/0526191053-ANIMATION.webp" /></a><div>
<b>Hiking: $585.33 after credit card rewards</b></div>
<div>
SO MANY RETURNS THIS MONTH... A lot of our overnight gear we tested out at Cucumonga is getting swapped out. This is why we shop at REI for their awesome return policy. We learned hub's pack was the wrong size for his back, and was just too small for overnights and too large for day trips because it doesn't cinch down, so he swapped it out for the men's version of my day-pack. We also returned my sleeping bag. The extra foot at the bottom of my bag that was just dead air was hard to keep warm in our snowy conditions and we didn't get down to the bags "comfort" 21 degree range, let along survival rating of 7 degrees. So, we researched and found a bag that 6 inches shorter so less dead air in the bottom, a bit warmer at 15 degrees... and as a bonus, it attaches itself to our sleep pad (another problem I had), and is cheaper and was also on sale. Hubs's also swapped ice axes for a heavier one. After using it on a couple of mountains, he needed something bigger for his bigger frame. </div>
<div>
<div>
<ul><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivv6UlQKn-Y8sXjyo5uZU-8YMgQJevbcZPEeP10yw5lAhzFY5X-l7iIeUPHcnR5KK34Xc4hqBf4zj2gERrkl6qWrXc1mda91LuNhqEZTDNP4iPYfoenlpr_yjcRscZYDlV4Mg0BwN5BgXa/s1600/0529191718a.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivv6UlQKn-Y8sXjyo5uZU-8YMgQJevbcZPEeP10yw5lAhzFY5X-l7iIeUPHcnR5KK34Xc4hqBf4zj2gERrkl6qWrXc1mda91LuNhqEZTDNP4iPYfoenlpr_yjcRscZYDlV4Mg0BwN5BgXa/s320/0529191718a.jpg" width="240" /></a>
<li>$ 44.29 <span style="white-space: pre;"> </span> small hiking odds and ends (sunblock, new water bottles, travel sized items, etc) </li>
<li>$ 292.91 <span style="white-space: pre;"> </span> REI - New sleeping bag (shorter!); Hat for hubs, snow stake </li>
<li>$ (322.16)<span style="white-space: pre;"> </span>REI Return - My REI Co-op Joule 21 sleeping bag</li>
<li>$ (106.54)<span style="white-space: pre;"> </span> REI Return - Hub's old day pack REI Coop Train 40</li>
<li>$297.28<span style="white-space: pre;"> </span> REI - Kids sleeping bag, bag temp, air mattress pump, Osprey Stratos 36 - Hubs </li>
<li>$ 349.96 <span style="white-space: pre;"> </span> Ice axe, Overnight pack for hubs, axe covers, leashes. </li>
<li>$ 66.61 <span style="white-space: pre;"> </span> Zpacs (food bag); wallet </li>
<li>$ 109.64 <span style="white-space: pre;"> </span> Trowel; (2) 4 liter dry Sac; (2) 13 L Dry Sac </li>
<li>$ 14.55 <span style="white-space: pre;"> </span> (2) Odor proof barrier bags </li>
<li>$ (129.25)<span style="white-space: pre;"> </span> REI Return - Hubs Ice Axe </li>
<li>$ 56.56 <span style="white-space: pre;"> </span> Merino Wool Top - Me </li>
<li>$ 56.56 <span style="white-space: pre;"> </span> Merino Wool Top - Hubs </li>
<li>$19.39<span style="white-space: pre;"> </span>Sock Liners</li>
<li>$ (164.47)<span style="white-space: pre;"> </span>Credit card rewards</li>
</ul>
</div>
</div>
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiilMXgOX6zs-2Pq3puGD-I2RXEkt_q2AHP4NQD5nbkaoaoo_3PyZYRh8SnJocNGNFX_tAymZ5cI6HbQbOPVcWmxc4aVgpFI9itk81-I7u8iTZSKsJldptULUiY-tcapHeSDD5kT9e8j1Fr/s1600/0527191039c.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiilMXgOX6zs-2Pq3puGD-I2RXEkt_q2AHP4NQD5nbkaoaoo_3PyZYRh8SnJocNGNFX_tAymZ5cI6HbQbOPVcWmxc4aVgpFI9itk81-I7u8iTZSKsJldptULUiY-tcapHeSDD5kT9e8j1Fr/s320/0527191039c.jpg" width="240" /></a>I'm still not sold on my new overnight pack. It might go back to the store. I hiked in it fine on the trip and trained with it a few weeks before, but when I got back and tossed on my day-pack, I felt a world of difference in support. I went with a light pack because I was worried about the weight and it removed some adjustable features and additional padding... and now i'm wondering if I should bite the bullet and get a comfortable carry. </div>
<div>
<br /></div>
<div>
I'm going to put some serious weight in my day pack and do an 8 mile road walk once my pepper spray comes in the mail and then do the same road walk with the overnight pack and compare... </div>
<div>
<ul>
<li>(long story, but apparently my hiking training trail/road walking area is now home to men who decide to try and grab and assault women in broad day light on the path... and she had pepper spray which is how she got away..... so now the one thing I truly enjoyed doing (going on a long walk in the day light) is now even more problematic. This is the one thing I hate about being a woman. Men don't have these problems. They can go out after dark and run, I don't get this luxury. I have to carve out family daylight hours to get to work out, but apparently we can't even go out in the daylight anymore without being armed. I'll have to either walk busy streets and enjoy the trip less with all the car noises (and get honked at and hollered at which is why I preferred the trail), or figure something else out... but I can't go by myself now without pepper spray. </li>
</ul>
</div>
</div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com2tag:blogger.com,1999:blog-5409437835427293169.post-38890385315448508572019-05-07T10:36:00.002-07:002019-05-07T10:36:35.310-07:00April Spending 2019<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpxIhVGd1KDH7zNwkUFwpVVQkW7EoA984gSH1j417gTW5l194Prvew5YOtSIOqPx4Ez7aUjvBFcoq9sBBr8LH_u5z8m7NNUe5k-i3QNajygJmz1Q4P7fxNmzHWVTftmLeNb1zbyhMx3fYG/s1600/0413191248.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="900" data-original-width="675" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpxIhVGd1KDH7zNwkUFwpVVQkW7EoA984gSH1j417gTW5l194Prvew5YOtSIOqPx4Ez7aUjvBFcoq9sBBr8LH_u5z8m7NNUe5k-i3QNajygJmz1Q4P7fxNmzHWVTftmLeNb1zbyhMx3fYG/s320/0413191248.jpg" width="240" /></a>Wow... another month of sheer crazy. We had two birthdays (gift shopping for a third), preparation for our overnight backpacking trip, and I was SUPER busy at work... and the latter always affects our budget as I have to be more practical than anything else and judge time verses money.<br />
<br />
We over spent in some areas, had planned spending in others (but still large numbers), but all in all, no regrets and that's how I like ending a month. After I look over all the spending, if i'm not getting that pit in the stomach "we should have done better" it was a good month. Could we have been more frugal? Sure... but we also had a VERY large profit share check this year and decided we would be purchasing backpacking and hiking gear because 1 year later, we are still enjoying this hobby and now have the gear to hike when we want to hike -- weather be darned!<br />
<br />
Onto the spending:<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0i0x1LjS6zMF_Q2lh1w_Hsl1ufb1Zt6Jx5e7GzxkDMnA0faUiGOjc5Deg1BjsoQm7gA6XIpNpn7dHKRB1OuKzR4ljMjrpGjFcylzcjrU26piqXaA66bWGqUwZvZvxDJwy7DIX6L21vH37/s1600/0413191339-ANIMATION.webp" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="250" data-original-width="141" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0i0x1LjS6zMF_Q2lh1w_Hsl1ufb1Zt6Jx5e7GzxkDMnA0faUiGOjc5Deg1BjsoQm7gA6XIpNpn7dHKRB1OuKzR4ljMjrpGjFcylzcjrU26piqXaA66bWGqUwZvZvxDJwy7DIX6L21vH37/s1600/0413191339-ANIMATION.webp" /></a><b>Groceries: $421.56</b><br />
<ul>
<li>Two birthdays, house guests, and 5 shopping weeks.... that will do it!</li>
</ul>
<b>Gasoline / Auto: $262.50 (Net)</b><br />
<ul>
<li>Hubs: $189.00</li>
<li>Me: $113.04 - $69.54 Work Reimbursement</li>
<li>Tolls: $30.00 -- Auto refill</li>
</ul>
<b>Eating Out: $256.97</b><br />
<ul>
<li>Islands: $50.00</li>
<li>Red Robin: $46.00</li>
<li>Fast food / quick dinners: $160.97 --- blech</li>
</ul>
<b>Clothing:$163.85</b><br />
<ul><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0HLlw0x-30QBf-UC61XYTD9fRw31aF_Yqw4h0Sp2NVwlc_a0jWfnU1nFqm6iq5-1vgflIrSsoonEY4pI08Y2O9TisCpP1MgyjQLLrzhFHgRiSmVSPSMglBUGUwaY8DOVnzZZzPDT0akPA/s1600/0421191134b.webp" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="250" data-original-width="141" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0HLlw0x-30QBf-UC61XYTD9fRw31aF_Yqw4h0Sp2NVwlc_a0jWfnU1nFqm6iq5-1vgflIrSsoonEY4pI08Y2O9TisCpP1MgyjQLLrzhFHgRiSmVSPSMglBUGUwaY8DOVnzZZzPDT0akPA/s1600/0421191134b.webp" /></a>
<li>ME: New workout clothes, sports bras and tops: $119.23</li>
<li>Hubs: button down shirt & gym shorts $44.62</li>
</ul>
<b>Little Dude: $155.47</b><br />
<ul>
<li> $ 33.15 <span style="white-space: pre;"> </span> Last minute toy, decorations, and desserts for school class party </li>
<li> $ 22.57 <span style="white-space: pre;"> </span> Hats and party favors </li>
<li> $ 57.32 <span style="white-space: pre;"> </span> Walmart (Cake, Birthday outfit, wrapping paper) </li>
<li> $ 36.61 <span style="white-space: pre;"> </span> Balloons </li>
<li> $ 3.32 <span style="white-space: pre;"> </span> Target </li>
<li> $ 2.50 <span style="white-space: pre;"> </span> Kite and a water blaster</li>
</ul>
<b>Tithe/Giving: $796.00</b><br />
<br />
<b>Daycare: $910.00</b><br />
<br />
<ul><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRJN7Rj8hFIOPh0TYO1zWiyrg2SVr9DFN6F6yabQfC2b3V-UDHAc49wXfctywM-tSznyjw07HjA6Q-90l8lQWCc51J3WpE_p284EQVj3jpYPXi29FfW3uyRhj2uilQLgmYp7jvpYfp1dMp/s1600/0427191132.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="851" data-original-width="638" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRJN7Rj8hFIOPh0TYO1zWiyrg2SVr9DFN6F6yabQfC2b3V-UDHAc49wXfctywM-tSznyjw07HjA6Q-90l8lQWCc51J3WpE_p284EQVj3jpYPXi29FfW3uyRhj2uilQLgmYp7jvpYfp1dMp/s320/0427191132.jpg" width="239" /></a>
<li>Cause were 5 day "all day" friends</li>
</ul>
<br />
<b>Dr / Dental / etc: $85.00</b><br />
<ul>
<li>My dental co-pay for visit and cleaning</li>
</ul>
<div>
<b>Internet: $65.99</b></div>
<div>
<br /></div>
<div>
<b>Cell phones: $72.68</b></div>
<div>
<ul>
<li>Minutes for me: $36.34</li>
<li>Minutes for hubs: $36.34</li>
</ul>
</div>
<div>
<b>Housing:</b></div>
<div>
<ul>
<li>HOA: $367.50</li>
<li>Mortgage: $764.00</li>
</ul>
<b>Fun money: $80.00</b></div>
<div>
<br /></div>
<div>
<b>Audible: $14.95</b></div>
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjz0ijIL99clFUCHUESA88Zn23H3YgmS3nnBZFi9vYQ6lXSDgpfyEFtaweW1YzL70pr6ddzYHi9lqokFKyE2uFILsRmbuQofNlIwJOH96M3PpA7HzL8jvXXWiWZeiRfKtW7bZfccnUECjDH/s1600/0427191208.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="851" data-original-width="638" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjz0ijIL99clFUCHUESA88Zn23H3YgmS3nnBZFi9vYQ6lXSDgpfyEFtaweW1YzL70pr6ddzYHi9lqokFKyE2uFILsRmbuQofNlIwJOH96M3PpA7HzL8jvXXWiWZeiRfKtW7bZfccnUECjDH/s320/0427191208.jpg" width="239" /></a></div>
<div>
<b>Netflix: $8.61 (DVD Rental)</b></div>
<div>
<br /></div>
<div>
<b>Electricity: $50.09</b><br />
We actually use LESS electricity now that we have an alexa and a few smart plugs. Being able to turn things off by telling "alexa" has actually been saving us money! Hubs might get a few more smart switches, etc. at work so we can time light to come on around 4 pm for roxy, so it isn't on all day to ensure she's not in the dark when there is daylight out.</div>
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-8pyL1MGfGGS8rCnDZdcLUIEAv_ZEfs2LG2bdT4yY233DQm5-TrHRkXVWzGdQwZ_WMyWf5hvnbyUC8RtzxftHHA6ugV2iBrOf5GwKG2XeNWnru4WiwWFVHzxXwNGgwJ8Ob5l1Q-qlC2-D/s1600/IMG_20190428_083702_139.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="851" data-original-width="851" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-8pyL1MGfGGS8rCnDZdcLUIEAv_ZEfs2LG2bdT4yY233DQm5-TrHRkXVWzGdQwZ_WMyWf5hvnbyUC8RtzxftHHA6ugV2iBrOf5GwKG2XeNWnru4WiwWFVHzxXwNGgwJ8Ob5l1Q-qlC2-D/s200/IMG_20190428_083702_139.jpg" width="200" /></a><b><br /></b>
<b>Discretionary: </b><br />
We have decided to take pictures of receipts before we leave the store when we shop together so I can itemize and have a copy of them since we have a lot of, "who knows what" in the budget this month.<br />
<br />
We also planned to purchase a switch this month and games for the new system. This was husbands WANT from profit share and we tied it into receiving it for his birthday since it was a large purchase and far more than we would spend for a birthday and also is our big "tech" purchase for the year since our PC is still going . <br />
<br />
<ul>
<li>$971.31 Switch, controllers, games, and set up stuff</li>
<li>$10.19 <span style="white-space: pre;"> </span> Toilet Paper </li>
<li>$132.89<span style="white-space: pre;"> </span> Walmart? </li>
<li>$ 17.24 <span style="white-space: pre;"> </span> Target? </li>
<li>$ 74.22 <span style="white-space: pre;"> </span> Easter Baskets </li>
<li>$ 25.90 <span style="white-space: pre;"> </span> Ear buds (2 pack) </li>
<li>$ 25.93 <span style="white-space: pre;"> </span> Hiking "cookie" bars; OTC Meds </li>
<li>$ 17.84 <span style="white-space: pre;"> </span>Trail magic</li>
</ul>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhckcjAqm6KpgrHN7AtJK2JW_cn4PgTcN70VEI3oDm4V1sVpAjKxLxxQYne8mI6fV54FzOgnVQcnsJfwHDRmM62JL0-c1rFPnYb9mB2sd4X9o3jkUhtF7CucIDb03XV3XnfY0LSPjOVo_aH/s1600/0414191636-PANO.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="291" data-original-width="1253" height="147" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhckcjAqm6KpgrHN7AtJK2JW_cn4PgTcN70VEI3oDm4V1sVpAjKxLxxQYne8mI6fV54FzOgnVQcnsJfwHDRmM62JL0-c1rFPnYb9mB2sd4X9o3jkUhtF7CucIDb03XV3XnfY0LSPjOVo_aH/s640/0414191636-PANO.jpg" width="640" /></a></div>
<div>
<br /></div>
<div>
<br /></div>
<div>
Hiking:</div>
</div>
<div>
<ul>
<li>$982.41 <span style="white-space: pre;"> </span> </li>
<ul>
<li>20 degree women's bag; </li>
<li>Bottom and top base layers; </li>
<li>Smaller hiking briefs; </li>
<li>2 sleeping pads - therm-a-rest Neo Air Xlite; </li>
<li>2 ice axes; </li>
<li>Fleece boys hoodie---yup, i fit in the kids jacket better than the women's </li>
</ul>
<li>$156.02 <span style="white-space: pre;"> </span> </li>
<ul>
<li>Dry sack (2); </li>
<li>New Hat that does fit better; </li>
<li>buff; </li>
<li>kids water reservoir; </li>
<li>piezo igniter </li>
</ul>
<li>$(34.16) </li>
<ul>
<li>Returned Hat bought last year (Just didn't work for my head/pack)</li>
</ul>
<li>$53.88</li>
<ul>
<li> Teva Sandals </li>
</ul>
<li>$193.05</li>
<ul>
<li>Osprey Eja 58 Pack - Women's </li>
</ul>
<li>$64.51</li>
<ul>
<li>Hip pack for hubs.....</li>
</ul>
<li>$90.25</li>
<ul>
<li>2 pairs of pants / insect repellent (I got smaller)</li>
</ul>
<li>$54.95 <span style="white-space: pre;"> </span> </li>
<ul>
<li>Cheap River Country back-packing tent. We purchased this to see if hubs liked a trekking pole tent set up... since he wants a zpacks tent... and i'd rather pay $55 and let him play with a cheap version before he spends $800 on a tent.... </li>
</ul>
</ul>
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5JmkazYBQJxfAIJ5ADcQuzMwZe9Xz32GB3fUfKQui4VH-gvA2uPVJrW17shgo_I40nNNnERhEaq5jzewDg761r7zq7RDIBbnFDjE8bJ4RaLkPv9EFvQc4P_Z3OahxnmJl4-970YtP6p-0/s1600/0427190905-PANO.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="264" data-original-width="1253" height="134" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5JmkazYBQJxfAIJ5ADcQuzMwZe9Xz32GB3fUfKQui4VH-gvA2uPVJrW17shgo_I40nNNnERhEaq5jzewDg761r7zq7RDIBbnFDjE8bJ4RaLkPv9EFvQc4P_Z3OahxnmJl4-970YtP6p-0/s640/0427190905-PANO.jpg" width="640" /></a></div>
<br />
<br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2CjBnXegyPElBnOpSdqd_us2j0rWQbK-XUX8mrhIq06J9iIVuycgZSvI431PfQzI63IoSK0DFMbePeJj-yqipIunM2OzeXEQHHuinH4P0zmir87wJu0B3IhCB6x2q4WFTQa7A-5sVaL_H/s1600/received_350977892226167.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="851" data-original-width="567" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2CjBnXegyPElBnOpSdqd_us2j0rWQbK-XUX8mrhIq06J9iIVuycgZSvI431PfQzI63IoSK0DFMbePeJj-yqipIunM2OzeXEQHHuinH4P0zmir87wJu0B3IhCB6x2q4WFTQa7A-5sVaL_H/s200/received_350977892226167.jpeg" width="133" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBqBbxLKsWsM2cu2kwJHOLIGG9bXpe-jTK671y8Ev9R0QwAso4SpsEliZlEp5fMOC8V35nSIG7htWzZAxP4h0pt0ILSpIC4Z-gXmUno0eHcKjarmZ4W6qdwn2QK0dbDUwCS_iBWXKYFG_s/s1600/received_378204636369301.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="851" data-original-width="568" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBqBbxLKsWsM2cu2kwJHOLIGG9bXpe-jTK671y8Ev9R0QwAso4SpsEliZlEp5fMOC8V35nSIG7htWzZAxP4h0pt0ILSpIC4Z-gXmUno0eHcKjarmZ4W6qdwn2QK0dbDUwCS_iBWXKYFG_s/s200/received_378204636369301.jpeg" width="133" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQ6licGQLdVy6V-vtr3fCPbMRNJMKzyLBdmqBNZsg2iw2Ie5wH1nuUQR17pP3jY4wyA4HQugPnXt-YU_nqRHnXZwamNPawndndFxrTmuNEhY2bnXE1LCEcMFkoOfZ7JLwzkNPCuNmmz-94/s1600/received_333230840710661.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="851" data-original-width="567" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjQ6licGQLdVy6V-vtr3fCPbMRNJMKzyLBdmqBNZsg2iw2Ie5wH1nuUQR17pP3jY4wyA4HQugPnXt-YU_nqRHnXZwamNPawndndFxrTmuNEhY2bnXE1LCEcMFkoOfZ7JLwzkNPCuNmmz-94/s200/received_333230840710661.jpeg" width="133" /></a></div>
<br />
<br />
<br />
<div>
<br /></div>
</div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-47191494374712779132019-04-29T04:00:00.000-07:002019-04-29T04:00:13.088-07:00Celebrating accomplishmentsI'm proud to say that 2019 is still remaining the year of hiking. When you see our monthly spending report in a few days, we definitely dropped some serious $$$$ on more gear (due in large part to the glorious profit share check hubs received, so we are able to) and because we also decided that we wanted gear for birthdays and mother's days and father's days to boot... and because of weather... but i'll elaborate on that in our spending report.<br />
<br />
I'm kind of excited to realize that May will mark one year of hiking for us for our family! It seems we have found a way to incorporate exercise, outdoors and family modifications to keep a hobby alive for more than 1 year!!!<br />
<br />
We started in May of 2018 and I thought our tiny hikes were huge feats. I remember being so tired and sore that we just had to lay down and rest the rest of the day, too exhausted to move, and feeling the soreness for a few days that followed at work.<br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9MKyHmSe4bwKsp75gqb4mOSqm_VrnX-lh2pfP12vNTeoijcTemxdFdCoeZOgePBpeqAo-V3zBXl5aC08Fu8XZhhqJsDtpUUibkOWewey-O_xzVrNolsgH_HBKRuDSeoCnRbMOAW3uBjl3/s1600/0603181054.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9MKyHmSe4bwKsp75gqb4mOSqm_VrnX-lh2pfP12vNTeoijcTemxdFdCoeZOgePBpeqAo-V3zBXl5aC08Fu8XZhhqJsDtpUUibkOWewey-O_xzVrNolsgH_HBKRuDSeoCnRbMOAW3uBjl3/s200/0603181054.jpg" width="112" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNHWYmtbZvbOEZaSUNbsgb0ILo0PMt3mYMYD4kDXqEmM9dm7SKIi-vlPumLA_VL1Ia1ESNwBdQYSH-2GU855-JUiP8kZALPQKkwRwDcB0QiBAltMajQMvtZxenov8rWSX8RmspujABIN73/s1600/0528181200.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNHWYmtbZvbOEZaSUNbsgb0ILo0PMt3mYMYD4kDXqEmM9dm7SKIi-vlPumLA_VL1Ia1ESNwBdQYSH-2GU855-JUiP8kZALPQKkwRwDcB0QiBAltMajQMvtZxenov8rWSX8RmspujABIN73/s200/0528181200.jpg" width="112" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgc9UlZewrz7Q6UJkbjLCbmSFyXvD4tQ6duN7_UFtMco_20w2-bKuN8o8zGcPG8qjTl4eK5XiqOKUIkTu241ggXh1HLSwit2rsTYgfZT9ioClzRbahT0iQRzxa2xPJYXKDCwPVVnQmosOgC/s1600/0623180937.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgc9UlZewrz7Q6UJkbjLCbmSFyXvD4tQ6duN7_UFtMco_20w2-bKuN8o8zGcPG8qjTl4eK5XiqOKUIkTu241ggXh1HLSwit2rsTYgfZT9ioClzRbahT0iQRzxa2xPJYXKDCwPVVnQmosOgC/s200/0623180937.jpg" width="112" /></a></div>
<br />
<br />
In January, I decided I would walk 5 miles with no pack on the path near our home, because I realized if I wanted more hikes, I needed to get in better shape. I could give a whole day up to do a short hike and not be able to do anything the rest of the day, and then also needing Sunday to rest too. Laundry and Groceries had to get done too! I remember the path near our house was completely free of people because it was COLD that first day.... and the next week when it rained, I decided I'd still go out and do those same 5 miles and "embrace the suck" as those trail vlogs I was watching always say. <br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7kvfipUsz6XV4EkAzbBKB8JQE3YhJPfkBAv-jjGw1YAyues6-JQ5kPqNc1wl53sUXs4Qm0yxtk5WeOZ1j7xe35JlE-336lbr3y4Zh-4KZp2OqUMwXBg1Zz7XZ6yqMHxAAaEXQTP-s0NkP/s1600/0101190927.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="937" data-original-width="703" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj7kvfipUsz6XV4EkAzbBKB8JQE3YhJPfkBAv-jjGw1YAyues6-JQ5kPqNc1wl53sUXs4Qm0yxtk5WeOZ1j7xe35JlE-336lbr3y4Zh-4KZp2OqUMwXBg1Zz7XZ6yqMHxAAaEXQTP-s0NkP/s200/0101190927.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZusj528lCaLI5cwJuoQSezfhJZAoQhAQKbZh9NVx6hSKg14cMVU8lDna1sMlCm8oEqSB28BJGz6GCWOqLuSFSAmeXKI8fyCUV8hTuSWAgU8ZljpgrgC9aYQblfz5lLtthVhNtD_QVuZDU/s1600/0202191815.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZusj528lCaLI5cwJuoQSezfhJZAoQhAQKbZh9NVx6hSKg14cMVU8lDna1sMlCm8oEqSB28BJGz6GCWOqLuSFSAmeXKI8fyCUV8hTuSWAgU8ZljpgrgC9aYQblfz5lLtthVhNtD_QVuZDU/s200/0202191815.jpg" width="150" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<span style="text-align: start;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<span style="text-align: start;"><br /></span></div>
<div class="separator" style="clear: both; text-align: left;">
Soon those weekend morning got a little busier on the trail as those less crazier than I added to the masses when the weather dried up. Now that I was good with my 5 miles, and able to still get things done around the house after a couple weeks, <span style="text-align: start;">I started adding my pack and just a bottle or two of water.... </span></div>
<div class="separator" style="clear: both; text-align: left;">
<span style="text-align: start;"><br /></span></div>
<div class="separator" style="clear: both; text-align: left;">
<span style="text-align: start;">Then I slowly added more pieces of gear and would occasionally increase the mileage. Hubs would do a little night walking in, in exchange for me getting my morning miles in, and i'd go early and keep it short, using the extra weight to continue to provide more resistance so I could still get back soon enough to re-claim our weekend. Looking back, it was smart I started in the rain when we would be pretty much house bound for the day. My absence wasn't completely missed because we were not itching to leave to go do something in cold and wet weather and I did need more sitting time as my body adjusted to actual exercise. </span>Sometimes it was just light miles as I took little dude with me so hubs could get a break or pop out tile, but I found the time.</div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwIGzB6QSqzuoc-2G2Khprx2ippgkHGQ15CdNDOeDK5IMVdKZuW_h7Lf2UfIqUdFdGm55gYdpRtsP2WB_5eRgBuYBpN7ngVsDJmblQWJOMqTFxdkieORy-lQcjRCW9IOJLYcRt9bD2bgat/s1600/0302190818.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwIGzB6QSqzuoc-2G2Khprx2ippgkHGQ15CdNDOeDK5IMVdKZuW_h7Lf2UfIqUdFdGm55gYdpRtsP2WB_5eRgBuYBpN7ngVsDJmblQWJOMqTFxdkieORy-lQcjRCW9IOJLYcRt9bD2bgat/s200/0302190818.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1kK3grCOgsXWhZx7uy757t0pjuScn5vWf-dq7NV8_cEOa5URLdGBvV0SuYCdE4nMkP43V9vSJMoIXAQFFz5_Eb3Wb0xmTZzFMrV34avwQ8pBhRruegTmfnq8quiPVWq4EDonpQ8LOhhvy/s1600/0105190928.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1kK3grCOgsXWhZx7uy757t0pjuScn5vWf-dq7NV8_cEOa5URLdGBvV0SuYCdE4nMkP43V9vSJMoIXAQFFz5_Eb3Wb0xmTZzFMrV34avwQ8pBhRruegTmfnq8quiPVWq4EDonpQ8LOhhvy/s200/0105190928.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVpeEIeRrtOPEn0JxF0jAqJ3DcBu8rIxXzaTei-MjKCuB6ZeOT-GHeegBeVjsChT4ov3mF07Uprku_GogMQIs31DLRUQZg6EG0noDqBDv1AgV-bbIsRt59pyPX_oNjPEsMnICMXjZyd6tC/s1600/0308191028.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVpeEIeRrtOPEn0JxF0jAqJ3DcBu8rIxXzaTei-MjKCuB6ZeOT-GHeegBeVjsChT4ov3mF07Uprku_GogMQIs31DLRUQZg6EG0noDqBDv1AgV-bbIsRt59pyPX_oNjPEsMnICMXjZyd6tC/s200/0308191028.jpg" width="150" /></a></div>
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
I had told myself before that I would walk more on the weekends, but in 2019 it just stuck, and I think it was because of those few hikes we went on and my desire to do more. Some days we made it a family affair and took the wagon so we could go farther than little dude could walk (which helped both of us get some miles in)... and our little "excursion" family hikes kept the motivation alive when we just couldn't logistically plan a peak... <br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVFAHx4zwTwP2PATIGfOmNMdArCXgIiCjvn3x17_aPuajmK_3LMWBAkgtsvpjBSUlFPLeb1dazSdJy_QdRc0f3K73X-N8j9gfetmQnueCgWA_lJaP2TbHa_3w39Sqr3oBCY5JkSb1md003/s1600/0309190904a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVFAHx4zwTwP2PATIGfOmNMdArCXgIiCjvn3x17_aPuajmK_3LMWBAkgtsvpjBSUlFPLeb1dazSdJy_QdRc0f3K73X-N8j9gfetmQnueCgWA_lJaP2TbHa_3w39Sqr3oBCY5JkSb1md003/s200/0309190904a.jpg" width="150" /></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4_1m4flO5r1s-ta4YsZ8yNNZIJlnXztVdqGyRW8l5hrrn_NL1pIPK7PzjR_MXPlE51kFpe4foQn5Qvlx6-ifPHZy42Mgma7GQFBW2uHuht6Rz17gX4X_CZ-Tdz7kkwEnMh8MYyqbyAmNz/s1600/0330191218c.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4_1m4flO5r1s-ta4YsZ8yNNZIJlnXztVdqGyRW8l5hrrn_NL1pIPK7PzjR_MXPlE51kFpe4foQn5Qvlx6-ifPHZy42Mgma7GQFBW2uHuht6Rz17gX4X_CZ-Tdz7kkwEnMh8MYyqbyAmNz/s200/0330191218c.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHQDCd6yFH4em68ovq5eb0nuzSPpPcfT1pllpbdz9APqZ9HyMkWfXJzhHXRhocmQgvF78UDBjgECDfL_4LGb4bEjaLvjSecjaKwjty_iyDcNfgVkDZKreVl37bruWpLUpwWwmCA9Eq2Yyt/s1600/0223191456a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHQDCd6yFH4em68ovq5eb0nuzSPpPcfT1pllpbdz9APqZ9HyMkWfXJzhHXRhocmQgvF78UDBjgECDfL_4LGb4bEjaLvjSecjaKwjty_iyDcNfgVkDZKreVl37bruWpLUpwWwmCA9Eq2Yyt/s200/0223191456a.jpg" width="112" /></a></div>
<br />
<br />
Fast forward to today, and my weekly road walks are really paying off. The scale might not be moving, but I keep telling myself that I started hiking in size 14 pants... and this month, I had to swap them out for size 8 in the same brand because the 10's i'd been rocking were getting too baggy mid hike and were rubbing unpleasantly... <i>I also had to size down in hiking undies, which was sad because we had finally bought enough for good rotation with our laundry ... but it was necessary so it looks like i'm starting over on the stock up plan cause those things are $24 a pair!)</i><br />
<br />
I even did a solo adventure up a short hike after work one night (one that hubs did solo) The "super bloom was amazing! I have found that I do prefer to hike with people and company than solo on a trail i've never done before, but it was really pretty and not a hike I could take little man with, so I was glad I didn't miss the chance to get up on the Vista Outlook and be in those 12 foot wild flowers. I found I enjoyed some of the solitude, but I was on a time table to get up and back, so not much lingering at the top.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNj6SVyTeHgb1sujkQOyHP6SN_sReMt9dFC-d6U_qrLbomTkVk3jDNDRH0fq_I7MSS1KyUcS7Cq2VEoHH5w7PeB-yPxm_cPuTMr8AwE9SHA4AM1kVn6BeL37-8lHEz9bTvgdGQ_a469IDk/s1600/0419191755_Burst01.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1184" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNj6SVyTeHgb1sujkQOyHP6SN_sReMt9dFC-d6U_qrLbomTkVk3jDNDRH0fq_I7MSS1KyUcS7Cq2VEoHH5w7PeB-yPxm_cPuTMr8AwE9SHA4AM1kVn6BeL37-8lHEz9bTvgdGQ_a469IDk/s320/0419191755_Burst01.jpg" width="320" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaek8dlAOLsP26cBBwjMsxAnuDpjO9stJA3i7-btZUZaNwnC0MTCfbJAhkXe4BePxbJCnzPqeETUYxiz6XLOHGrPiZpQF6btc8sQFwTKIf5S65pDDcaiXJvLyw4HrpcJLzF5bNA3sNKMQF/s1600/0413190922.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgaek8dlAOLsP26cBBwjMsxAnuDpjO9stJA3i7-btZUZaNwnC0MTCfbJAhkXe4BePxbJCnzPqeETUYxiz6XLOHGrPiZpQF6btc8sQFwTKIf5S65pDDcaiXJvLyw4HrpcJLzF5bNA3sNKMQF/s200/0413190922.jpg" width="150" /></a></div>
<br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7W5IMJfRWd5NHCN_hjud4nPZ417oiIukCuk4RtA1yJlWQGf3KG7Klrqyr-zV21RWuwNQwosrGQLrpVwyVlc0zmFe7ag8ox_YnATlg57R8uR6EN_9i1nZhkO_1gxQmceGxVwK6N_lS3Ez5/s1600/0419191629.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7W5IMJfRWd5NHCN_hjud4nPZ417oiIukCuk4RtA1yJlWQGf3KG7Klrqyr-zV21RWuwNQwosrGQLrpVwyVlc0zmFe7ag8ox_YnATlg57R8uR6EN_9i1nZhkO_1gxQmceGxVwK6N_lS3Ez5/s200/0419191629.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpQYrluTKN3pVwELWhDsVS7jNHmKZo9mFHegyZvoRqpWaYOMoUoyd8vupfRemKMB91qvTJXWrAVq8EdDaN6t8PvKJqVHlQVdcuPWNpRdec1hZ8QMMAh2m2NMdQiV88coLkVJP-1OECs4Xl/s1600/0419191723.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpQYrluTKN3pVwELWhDsVS7jNHmKZo9mFHegyZvoRqpWaYOMoUoyd8vupfRemKMB91qvTJXWrAVq8EdDaN6t8PvKJqVHlQVdcuPWNpRdec1hZ8QMMAh2m2NMdQiV88coLkVJP-1OECs4Xl/s200/0419191723.jpg" width="150" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqytChH6Ivt9YM7L7Be9vFaRsxtHnzZu7LOn3EfYmrGblUYW5kDuU1mNav_0Vs6mmGQ_mMKA6htf6h3bZ-GDh-obocGiw2sjprAqhkBzhh_wjzFCxOILWkGehIU9SN7R6b82DwRvviTnic/s1600/0419191709a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqytChH6Ivt9YM7L7Be9vFaRsxtHnzZu7LOn3EfYmrGblUYW5kDuU1mNav_0Vs6mmGQ_mMKA6htf6h3bZ-GDh-obocGiw2sjprAqhkBzhh_wjzFCxOILWkGehIU9SN7R6b82DwRvviTnic/s200/0419191709a.jpg" width="150" /></a></div>
<br />
<br />
So why the look back post? Well, Friday I walked 8 miles with 25 lb back on my back, to break in my new overnight pack in preparation for my birthday present, a double peak and my first overnight adventure with hubs as we bag Ontario and Cucamonga Peak! They will be covered in snow, which is why we had to buy more gear, but we didn't want to reschedule and after our last snow adventure, I kind of like hiking in the cooler temps because i'm still carrying a lot of toddler weight and run hot. If we get out there and its more difficult that we anticipate, we will cut out Ontario, and just do Cucamonga. On our way down, we might hit Ontario on day two as we leave if we need to. I like being flexible as mountain conditions will change vastly between now and then. <br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYL1zqYf0y_312pFwT3f_F_lO0EngMd5SpZZtte0ehc_vuZp-3ggej1cHm6IWkCgzNBVze0DoHjpyYPdI6j0acz9BvZqV8MVatbu06cxjoYDhxvVFtqTGGncr-2Pgz6iM7_aAz3tyo54Qm/s1600/0426191406a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYL1zqYf0y_312pFwT3f_F_lO0EngMd5SpZZtte0ehc_vuZp-3ggej1cHm6IWkCgzNBVze0DoHjpyYPdI6j0acz9BvZqV8MVatbu06cxjoYDhxvVFtqTGGncr-2Pgz6iM7_aAz3tyo54Qm/s320/0426191406a.jpg" width="240" /></a></div>
<br />
So this morning (Saturday as i'm typing this) i'm celebrating the fact that I could still walk after those 25 lbs and 8 miles and function around the house post shower... And today as I write this, my body is perfectly fine. Hubs is actually out hiking Mount Baden Powell in the snow for as his birthday present.<br />
<br />
He wanted to do trail magic for PCT thru hikers, and the bubble is around Baden Powell and that's an alternate for his 6-pack of peaks challenge. Do I wish I was with him, yes, but I've already climbed that mountain in different conditions, and while I will do it again, I wanted him to have his time on the mountain and he was super excited to do trail magic, which is why i got in 8 miles the day before since I had an adjustment day at work from working an event, so I can play with little dude and find the balance to take care of me. <br />
<br />
I also love that i'm not purposefully pointing the camera to find a more flattering angle when I take these selfies anymore and i'm getting more confidence in how much stronger I feel.South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-10352417696449996932019-04-22T07:32:00.002-07:002019-04-22T07:33:01.119-07:00Happy Easter - Ya'll<div class="separator" style="clear: both; text-align: left;">
It's not a real secret that I work for a local city... So I was working Easter weekend. We had over 7,000 people come down to our spring celebration the Saturday before the holiday. </div>
<div class="separator" style="clear: both; text-align: left;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
It was an overcast day and probably perfect weather because it wasn't too hot or too cold. A live band, 3 hour egg hunts, pictures with the bunny, photo booths, carnival games, food trucks, bubbles, and sponsors... it was a big to-do, but also tons of fun. (some far away shots)</div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjf7IMvslSdteNQYakPVQhNFzKNmgR4deW12pAzx0LynP-xRpwdECbTKDVWGcDpDEU8pL-S9jbtc05BoC2tb7fRap5y7QBOYMbuMrO4oRse5rnBwV1LmyE52ltmnnhxzwaFMDYzOX0N7WNA/s1600/0420191040.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjf7IMvslSdteNQYakPVQhNFzKNmgR4deW12pAzx0LynP-xRpwdECbTKDVWGcDpDEU8pL-S9jbtc05BoC2tb7fRap5y7QBOYMbuMrO4oRse5rnBwV1LmyE52ltmnnhxzwaFMDYzOX0N7WNA/s320/0420191040.jpg" width="240" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiw7MEkeqXUXIvkDy22gT7000O-zgPzlK4-h2lb4vdHBBvUWydwc0TE7EoSLZq6Rjz6ZmFNoXv1GhDx0bwYLAPMatatcAGg2a19e-cfIPNHiJwoEyZvH0sZUkZ5HI5sElLxdLbpbu4_2FAd/s1600/0420191038.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1184" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiw7MEkeqXUXIvkDy22gT7000O-zgPzlK4-h2lb4vdHBBvUWydwc0TE7EoSLZq6Rjz6ZmFNoXv1GhDx0bwYLAPMatatcAGg2a19e-cfIPNHiJwoEyZvH0sZUkZ5HI5sElLxdLbpbu4_2FAd/s320/0420191038.jpg" width="320" /></a></div>
<br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
I was exhausted afterward, but could still move! I ended up clocking 10 miles that morning between set up at 7 am, and the final strike at 2:30 pm. Over 25,000 steps by mid-day.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjKVti-icFueOLCa6v9vVAQxwxnOAYcrTB4ZJMoTMe9zcnVPzLwIYXa0V8pTaMGT7O5mGakjCbjn6iMw9l82n6pB-kKUIv9JiBEDR4VGWfRXviRcjpzpzvzcKqStt27gwn7hF0pTadn7A0/s1600/0420191424.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjKVti-icFueOLCa6v9vVAQxwxnOAYcrTB4ZJMoTMe9zcnVPzLwIYXa0V8pTaMGT7O5mGakjCbjn6iMw9l82n6pB-kKUIv9JiBEDR4VGWfRXviRcjpzpzvzcKqStt27gwn7hF0pTadn7A0/s320/0420191424.jpg" width="240" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: left;">
But the real fun, was after the event. Sure hubs took little man down for pictures with the bunny, a quick egg hunt, and some games, but afterwards we met up at a park for a local pot luck and fun with friends from church. The boys loved the hammock we strung up between two trees. We hid some eggs on a hill and had some pot luck picnic snacks... this was by far more "my speed" than the morning before. </div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjL7vjp1U-N3OxtVyFG-w7OawOpbS1MSYnzc71ihvjHGBf7ZnhcHDaEy1YUEAbm9SiqhG1cH1jFloXoMfPDAGAyS_o5KclcWOFBHW5MgOJfOLePe1i6pZUTowMEeNtKL9a61szYkurz_rsV/s1600/0420191752c.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjL7vjp1U-N3OxtVyFG-w7OawOpbS1MSYnzc71ihvjHGBf7ZnhcHDaEy1YUEAbm9SiqhG1cH1jFloXoMfPDAGAyS_o5KclcWOFBHW5MgOJfOLePe1i6pZUTowMEeNtKL9a61szYkurz_rsV/s320/0420191752c.jpg" width="320" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitfRsLCj1QAMRCZDPda8xUPC_FoAKK_hMrq3FZwA1OHmnRpSi12jvsk1RZaQqYwOCZVGOhs4dAoah8t4VCz9F5QopNHtiBpjqCwvS_hqw2lA_Lt_Hg4gW9uS3Gje92oMHkp_7RaMvXsS5U/s1600/0420191807.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitfRsLCj1QAMRCZDPda8xUPC_FoAKK_hMrq3FZwA1OHmnRpSi12jvsk1RZaQqYwOCZVGOhs4dAoah8t4VCz9F5QopNHtiBpjqCwvS_hqw2lA_Lt_Hg4gW9uS3Gje92oMHkp_7RaMvXsS5U/s320/0420191807.jpg" width="180" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjTw5Gy8-oAg3qZy__rK4DGBLm3HpvjHmqwxxKpr_5Ej3x_9BPRp5Q7scl09m2NnDE6ygEcJV2-6Z_Mk77FlvbH08GxAhJAqMvYc8pszwuw1UtjvBr8G08J4SJAngE0hgjFz2jcXzxmGKwH/s1600/0420191810.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="937" data-original-width="703" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjTw5Gy8-oAg3qZy__rK4DGBLm3HpvjHmqwxxKpr_5Ej3x_9BPRp5Q7scl09m2NnDE6ygEcJV2-6Z_Mk77FlvbH08GxAhJAqMvYc8pszwuw1UtjvBr8G08J4SJAngE0hgjFz2jcXzxmGKwH/s320/0420191810.jpg" width="240" /></a></div>
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVsLQDHhkgVNN93p20jpFKExrztAMP1k9n9y0mDKYp-qw-FV1CmuMV5PT0JgJDQtkTEASS3m4pWMFRY_zCoJp9dQ922ZrYq4lHZm9gvwih3dbXW2kzTKEhvwoeN8knE5G7A08q9gXWT4Hk/s1600/IMG_20190420_173528_496.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="888" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVsLQDHhkgVNN93p20jpFKExrztAMP1k9n9y0mDKYp-qw-FV1CmuMV5PT0JgJDQtkTEASS3m4pWMFRY_zCoJp9dQ922ZrYq4lHZm9gvwih3dbXW2kzTKEhvwoeN8knE5G7A08q9gXWT4Hk/s320/IMG_20190420_173528_496.jpg" width="320" /></a></div>
<br />South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-52737552497605633212019-04-18T04:00:00.000-07:002019-04-18T04:00:06.463-07:00April Mortgage Update<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPYUaQ2LUgYETQ6-qDuHAuQTYwqEHDEqb-a_7V9qDsM2muC4l49jqnmize2Yj2xGhnMzAKu0BMhQ0_jM_tFucJEYLrYZp2nNS_5nYg3UN_9bv4_94PYmIuw09DhKNvf7X-CNw0IWRFuqAk/s1600/paint++can.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1024" data-original-width="1280" height="256" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPYUaQ2LUgYETQ6-qDuHAuQTYwqEHDEqb-a_7V9qDsM2muC4l49jqnmize2Yj2xGhnMzAKu0BMhQ0_jM_tFucJEYLrYZp2nNS_5nYg3UN_9bv4_94PYmIuw09DhKNvf7X-CNw0IWRFuqAk/s320/paint++can.jpg" width="320" /></a></div>
Mortgage Balance:$154,742.67<br />
<br />
Payment:$764.00<br />
Principal paid:$247.37<br />
Interest paid: $516.63<br />
<br />
Total interest paid on the new loan: $11,551.67<br />
<br />
Estimated Value: $330,480.00*<br />
<br />
*<i>Until the improvements are finished, we are keeping the value at our property tax level because no one likes an unfinished project.</i><br />
<i><br /></i><i><br /></i><br />
<h2>
Getting The Keys</h2>
If your just catching along with our house buying and selling story, you'll want to check out <a href="http://southcountygirl.blogspot.com/2017/07/single-bedroom-condo-sale-specs.html">the re-cap post on our 1 bedroom condo.</a><br />
<div>
<br /></div>
<b style="font-family: "times new roman";">Our starting profit from the sale of our condo was $181,691.35. </b><span style="font-family: "times new roman";">From there, we purchased a 2 bedroom condo in the same complex. Our very extensive down payment came from the profits we rolled over from the sale of our first place.</span><br />
<div style="font-family: "times new roman";">
<div style="font-weight: 400;">
<ul>
<li>Down payment: $164,000 (100% profit from our first sale)</li>
<li>Inspection: $300</li>
<li>Admin/Origination charges: $899</li>
<li>Processing Fees: $495</li>
<li>Appraisal: $410</li>
<li>Flood Cert: $11</li>
<li>County taxes: $46.78</li>
<li>Endorsement Fee: $25</li>
<li>Recording Grant Deed: $9</li>
<li>Recording Trust Deed: $57</li>
<li>Notary Fee: $175</li>
<li>Messenger fee" $25</li>
<li>Archiving fee: $80</li>
<li>E-Document fee: $100</li>
<li>Escrow fee: $798</li>
<li>Lenders title insurance: $357</li>
<li>Sub escrow Fee: $37.50</li>
<li>Recording fees: $150</li>
<li>Home Owners Insurance: $400</li>
<li>Prepaid Interest $140.24</li>
<li>HOA Dues (June) $93.33</li>
<li>HOA Dues (July) $350</li>
<li>HOA Processing Fee: $50</li>
<li>Lender Credits +$6.40</li>
<li>Seller Credits +$1,200</li>
<li>Escrow Refund +$572.85</li>
<li>Refund from INS on old place +$159.91</li>
</ul>
<div>
<div style="margin: 0px;">
<b>Money spend to move: $167,834.96.... </b><b>Remaining Profit from original sale: $14,589.16</b></div>
</div>
</div>
<div style="font-weight: 400;">
<div style="margin: 0px;">
We got the keys and the same day we moved in, we also started to remodel. (Yup, after the boxes were out of the u-haul, we ripped out our master bedroom closet the same day as it was broken and jenky as all get out!)... Here's what we have spent so far on the remodel.</div>
<div style="margin: 0px;">
<br />
<br />
<table border="1" cellpadding="0" cellspacing="0" dir="ltr" style="border-collapse: collapse; border: none; font-family: Calibri; font-size: 11pt; table-layout: fixed; width: 0px;" xmlns="http://www.w3.org/1999/xhtml"><colgroup><col width="376"></col><col width="97"></col></colgroup><tbody>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Washer/Dryer, fridge, delivery, install & dryer hoses"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Washer/Dryer, fridge, delivery, install & dryer hoses</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":2054.87}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-family: arial; font-size: 10pt; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$2,054.87</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Stove, microwave, delivery, install, and stove plug + Plug labor"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Stove, microwave, delivery, install, and stove plug + Plug labor</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1055.13}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-family: arial; font-size: 10pt; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$1,055.13</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Reverse Osmosis System "}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Reverse Osmosis System</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":233.53}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); font-family: arial; font-size: 10pt; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$233.53</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Tv Mount - Living Room"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Tv Mount - Living Room</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":135}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$135.00</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"USPS address change "}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">USPS address change</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$1.00</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Bathroom shower rod, curtain, hooks, tub fixtures"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Bathroom shower rod, curtain, hooks, tub fixtures</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":234.47}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$234.47</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Windows / Slider door deposit"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Windows / Slider door deposit</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":690.03}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$690.03</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Portable wire racks (3)"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Portable wire racks (3)</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":118.22}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$118.22</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"3 Ceiling Fans"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">3 Ceiling Fans</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":382.52}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$382.52</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Laundry Hose Connector"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Laundry Hose Connector</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":7.52}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$7.52</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Paint Samples, Keys, Impact Driver Accessories. tile samples"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Paint Samples, Keys, Impact Driver Accessories. tile samples</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":60.48}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$60.48</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Tools to remove nails from Cement and boards"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Tools to remove nails from Cement and boards</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":27.95}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$27.95</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Electrical Parts"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Electrical Parts</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1213.23}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$1,213.23</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Electrical Labor"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Electrical Labor</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1850}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$1,850.00</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Ikea Bathroom + Toy Chest"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Ikea Bathroom + Toy Chest</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1266.78}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$1,266.78</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Paint Prep supplies and ceiling paint"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Paint Prep supplies and ceiling paint</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":214.28}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$214.28</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Drywall Costs"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Drywall Costs</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1380}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$1,380.00</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Heater Repairs"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Heater Repairs</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1146.94}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$1,146.94</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Painting Supplies"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Painting Supplies</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":340.62}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$340.62</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Home Depot Supplies (Bathroom /shower) supplies"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Home Depot Supplies (Bathroom /shower) supplies</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":77.98}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$77.98</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Tub resurface"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Tub resurface</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":500}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$500.00</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Paint, Door Measure"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Paint, Door Measure</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":124.72}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$124.72</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Home depot Vents and Spray paint"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Home depot Vents and Spray paint</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":54.07}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$54.07</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Window coverings / Curtains/Rods"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Window coverings / Curtains/Rods</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":320.42}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$320.42</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Windows / Sliders /Final"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Windows / Sliders /Final</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":6210.27}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$6,210.27</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"paver stones, 2 plants, plastic sheeting"}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">paver stones, 2 plants, plastic sheeting</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":130.25}" style="background-color: #e5dfec; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$130.25</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"2017 Tax savings (Federal) "}" style="background-color: #8e7cc3; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">2017 Tax savings (Federal)</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-1125}" style="background-color: #8e7cc3; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">-$1,125.00</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"2017 Tax savings (State)"}" style="background-color: #8e7cc3; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">2017 Tax savings (State)</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-768}" style="background-color: #8e7cc3; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">-$768.00</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"2017 \"living in our condo savings\" 6 months"}" style="background-color: #8e7cc3; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">2017 "living in our condo savings" 6 months</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-4715.5}" style="background-color: #8e7cc3; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">-$4,715.50</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Home depot / CED - odds and ends"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Home depot / CED - odds and ends</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":38.48}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$38.48</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Ceiling Paint"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Ceiling Paint</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":24.49}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$24.49</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Wardrobe, kitchen table, bed frame (Deliver $59)"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Wardrobe, kitchen table, bed frame (Deliver $59)</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":1215.09}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$1,215.09</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Ikea (hinges, end table, storage cubes)"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Ikea (hinges, end table, storage cubes)</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":187.41}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$187.41</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"fix bathroom shower handle / Coat hook"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">fix bathroom shower handle / Coat hook</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":28.45}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$28.45</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Front door and interror doors"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Front door and interior doors</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":2468.17}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$2,468.17</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"New shower + install +Fixtures"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">New shower + install +Fixtures</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":7740}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$7,740.00</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Water Shut Off"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Water Shut Off</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":150}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$150.00</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"City Permits - Shower"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">City Permits - Shower</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":170.5}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: top;">$170.50</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Tools for tile removal"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Tools for tile removal</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":181.78}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$181.78</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"2018 \"living in our condo savings\" 12 months"}" style="background-color: #8e7cc3; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">2018 "living in our condo savings" 12 months</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-7227.33}" style="background-color: #8e7cc3; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">-$7,227.33</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"2018 Tax savings - State"}" style="background-color: #8e7cc3; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">2018 Tax savings - State</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":-594.6}" style="background-color: #8e7cc3; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">-$594.60</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"3 Celing fans"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">3 Celing fans</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":258.5}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: top;">$258.50</td></tr>
<tr style="height: 20px;"><td data-sheets-value="{"1":2,"2":"Grinder tool"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Grinder tool</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":34.41}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: top;">$34.41</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Air compressor, air hammer/chizzle / oil / tile removal supplies"}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Air compressor, air hammer/chizzle / oil / tile removal supplies</td><td data-sheets-numberformat="[null,4,"\"$\"#,##0.00"]" data-sheets-value="{"1":3,"3":501.38}" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: top;">$501.38</td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 20px;"><td style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" style="background-color: #d9d2e9; border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" style="border-bottom-color: rgb(0, 0, 0); border-left-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"></td><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" style="border-bottom-color: rgb(0, 0, 0); border-right-color: rgb(0, 0, 0); overflow: hidden; padding: 0px 3px; vertical-align: bottom;"></td></tr>
<tr style="height: 20px;"><td data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":2,"2":"Currently in the hole:"}" style="background-color: black; color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px; vertical-align: bottom;">Currently in the hole:</td><td data-sheets-formula="=SUM(R[-47]C[0]:R[-2]C[0])-R[-49]C[0]" data-sheets-numberformat="[null,2,"_(\"$\"* #,##0.00_);_(\"$\"* \\(#,##0.00\\);_(\"$\"* \"-\"??_);_(@_)",1]" data-sheets-value="{"1":3,"3":3809.3499999999694}" style="background-color: black; color: white; font-size: 12pt; overflow: hidden; padding: 0px 3px; text-align: right; vertical-align: bottom;">$ 3,809.35 </td></tr>
</tbody></table>
<br /></div>
</div>
</div>
<div style="font-weight: 400;">
<div style="margin: 0px;">
<b>*</b><i>When we file our taxes for the year, I always factor in what our return would be BEFORE our mortgage expenses drop us into the "itemizing" category. For 2017, we were able to write off over $7,000 and the amounts listed in the chart above are the amount we received back because of our mortgage and property tax deductions, and the sale of our condo and those expenses we could write off. For 2018, we only saved on our state taxes, not having enough deductions to itemize our federal taxes.</i></div>
</div>
<div style="font-weight: 400;">
<div style="margin: 0px;">
<b><br /></b></div>
</div>
<div>
<div style="margin: 0px;">
<i>**We also track how much cheaper it is to be homeowners vs. renters. Our <a href="http://southcountygirl.blogspot.com/2017/07/housing-comps-2-bedroom.html">2 bedroom housing comps </a>tell us that to rent a 2 bedroom for the first 6 months would cost us $13,156 verses $8,440.50 to be homeowners (That's 6 months of Mortgage, additional principal, Prop Tax, HOA, and Earthquake insurance expenses since our Homeowner insurance was purchased in escrow.) So that's how we get our $4,715.50 "living in our condo savings" for 2017. For 2018, we used the same numbers and the difference was $7,227.33. For 2019, we will use these factors in <a href="https://southcountygirl.blogspot.com/2019/01/2019-housing-comps-2-bedroom.html">2019 Housing Comps</a>.</i></div>
<div style="margin: 0px;">
<br /></div>
<div style="margin: 0px;">
<b>So, we are currently in the hole $3,809.35.. and still in home improvement land.</b></div>
<div style="margin: 0px;">
<span style="font-weight: 400;"><br /></span>However, we have $<b>175,737.33</b> in equity, if we assume our property tax value is accurate at <b>$330,480.00</b>. If we were to sell our condo today after 6% commission fees and another $4,000 in closings costs, (plus the amount we are in the hole for) we would walk away with<span style="font-weight: 400;"> </span><b>$148,099.18</b><span style="font-weight: 400;"> </span>verses the <b>$181,691.35</b><span style="font-weight: 400;"> profit </span>we had before we bought this place.</div>
<div style="margin: 0px;">
<br /></div>
<div style="margin: 0px;">
<span style="font-weight: 400;">So we have a ways to go to make this home a worth while investment. For us, having our own room and more space is worth the </span><b>$33,592.17</b> difference for the time being.</div>
</div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-58630886156130519422019-04-15T04:00:00.000-07:002019-04-14T07:59:33.920-07:00Dental Visits!<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfPePS09JG6OQcgww_7aDvDm-YnL1eidAYHE2JKbH09X0uXK6XMArQ6kE40laA6tczZRPTvZcHtbUdgbwhqcnCTwlfQSAAlLsKRrHTWJVvcQIwUoAU9J2XcmspIj6ckCCHcxhnkC226OFh/s1600/0412190925.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="937" data-original-width="703" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfPePS09JG6OQcgww_7aDvDm-YnL1eidAYHE2JKbH09X0uXK6XMArQ6kE40laA6tczZRPTvZcHtbUdgbwhqcnCTwlfQSAAlLsKRrHTWJVvcQIwUoAU9J2XcmspIj6ckCCHcxhnkC226OFh/s320/0412190925.jpg" width="240" /></a></div>
Now that little dude is 4, hubs and my dentist will let him come to their office for dental work.... which is amazing because we couldn't find a pediatric dentist that would take our insurance.<br />
<br />
When little dude got teeth, we went to a dentist because that's what you are supposed to do! I had to pay $50 out of pocket for them to do basically nothing. They showed me how to brush his teeth and told me just to use water. He wasn't a fan of it ... and we had to pay because they didn't take our insurance... after they told us they took our insurance. :/<br />
<br />
It was supposed to be a mishap that the office was going to fix, but 6-months later we ended up having to pay out of pocket AGAIN, only for them to brush his teeth and introduce flossing.<br />
<br />
After multiple calls, I couldn't find anyone that would take our insurance.... so I just stopped making appointments for him for a year..... or two..... and crossed our fingers and figured we would wait until he was older.<br />
<br />
Then we heard about a friend's kiddo that had multiple cavities and got worried.... I made a few more phone calls and still no one would take our insurance.<br />
<br />
So we upped our cleaning game at home. Each morning little dude brushes his teeth with water, while I brush his stuffed tigers teeth.... We made it a game to make sure he got the top and bottom... and we do 10 seconds of "super fast" where he can brush like a maniac for fun. We end it with me checking his tiger's teeth, and then I "check" his by doing a quick brush job myself to make sure there isn't any major build up.<br />
<br />
It was a struggle at first to get him to brush on his own, but once his tiger brushed, so did he.<br />
<br />
At my dental visit I mentioned to our place (I switched to hub's dentist cause they were nicer) that we couldn't find anyone to take him, and they said when he turned 4 they would give it a go and see what they would let him do.... so we did a morning appointment<br />
<br />
IT WAS AMAZING<br />
<br />
Not only did these non-kiddo dentists let him squirt the water squirt-er, "hold Mr. Thirsty" the sucker upper, see the mirror, hold a mirror and watch, but they let him know what they would do before they did it... let him hear their tools, like the electric tooth cleaners.... he picked flavors for cleaners and had a GREAT experience.<br />
<br />
They did a FULL cleaning... on his first visit. There were no stickers, or cartoons on the wall, and it was still awesome for him.<br />
<br />
Since then we have been doing a great job at home, and now little dude lets us floss at home too!South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-59641123663011357722019-04-11T04:00:00.000-07:002019-04-11T04:00:07.377-07:00He's 4...<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZRaVylNGa1cWeKxnQczzuf6i-qXgKrKpPLUaclbLdA2Z7eYZ8Be64Dz2-dV1pasMggVjpf2QgubDPwCf4EI-KMm8MziZSVQ3kCyKVUwLdc266J9CnL6VL0nUVJ4sJ9-8LigRW2Y0vYpnP/s1600/0406191103a.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="937" data-original-width="1249" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZRaVylNGa1cWeKxnQczzuf6i-qXgKrKpPLUaclbLdA2Z7eYZ8Be64Dz2-dV1pasMggVjpf2QgubDPwCf4EI-KMm8MziZSVQ3kCyKVUwLdc266J9CnL6VL0nUVJ4sJ9-8LigRW2Y0vYpnP/s320/0406191103a.jpg" width="320" /></a>Little dude crossed a hurtle this week and entered the world of four... and he did it with style. Since he goes to school now and has more friends, we decided to do a friends plus family birthday.<br />
<br />
We won a BIG AIR birthday party package last year at Relay For Life, so we told little dude he could pick 5 friends to invite from school, plus some family for his party.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjW6F2_9TbW3B3hyphenhyphenPN41eW-CYIZni_ZoDLjYy3bLANdz2ZH7K7Vn6rGnzWV6zoRH8Faa_bYqxijxvsNV8nvqDsvXyZJgQJKy8Q6icN4yQTOEY3EPQbhU_MRruR7V651kMc65wKe6USOGDxY/s1600/0406191131.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjW6F2_9TbW3B3hyphenhyphenPN41eW-CYIZni_ZoDLjYy3bLANdz2ZH7K7Vn6rGnzWV6zoRH8Faa_bYqxijxvsNV8nvqDsvXyZJgQJKy8Q6icN4yQTOEY3EPQbhU_MRruR7V651kMc65wKe6USOGDxY/s320/0406191131.jpg" width="240" /></a>It actually worked out pretty well. There was a bit of confusion at first, but I think everyone had a good time and with work being crazy this year, having an almost "just show up" party was what we needed, considering we didn't have to pay anything for it!<br />
<br />
Sure we had expenses,<br />
<br />
Balloons, decorations, snacks to go with pizza and cake, but we would have spent that to have it at home and instead we got to jump.<br />
<br />
I didn't get to jump as much wince I was wondering around making sure people were okay and doing the check-in time with my family and the non-jumpers who came to visit.<br />
<br />
We picked up a last minute present when Little Dude declared a pokemon birthday out of no where (does not have ANYTHING pokemon...) and it was a good thing we did. We couldn't find the two small presents we picked up for him back in January, so wooohoo for the last minute back up present he loved, and dad getting him pokemon pj's that he wore to his party so he could match the theme.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiF8LtflTww6SYwJdRGlKgM-SeAxczqs05sPIUeX8Bm2ihLxWqO-CYjIuvNWfOze83mjhKMAMfrwoZTTGOQDLMJxxm5L_WNBBqaJJYNNSqQJJlYtz2n4mW9VCPRYP0PMbXIoptjOUTBsIQ1/s1600/0406191202.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="1184" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiF8LtflTww6SYwJdRGlKgM-SeAxczqs05sPIUeX8Bm2ihLxWqO-CYjIuvNWfOze83mjhKMAMfrwoZTTGOQDLMJxxm5L_WNBBqaJJYNNSqQJJlYtz2n4mW9VCPRYP0PMbXIoptjOUTBsIQ1/s320/0406191202.jpg" width="320" /></a>Hubs also enjoyed himself like he was 12 and jumped everywhere. Apparently we are going to have to go back for a date sometime soon cause he had just tons of fun.<br />
<br />
This month might be a little difficult to itemize expense wise because I've learned that when I shop with hubs, things like receipts, just go in his wallet and then disappear before I can write them out or find the time to re-blog it. (but at least all I know where all the Walmart and Target trips come from now, when i'm too tired and hubs pays cause I didn't bring my purse).<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi29f7DsQzYXpZgamVKAnUtGTBSwr02gBtaYwpcWJOBRq8iXQgDx5QoQosJtObRv82Mok9KjBJ-SJDfwnUTKIc1qkJk5hkmCzj6BMbKE2V5ESqj81e6CvYnx3ZsinjoNUDC_iZ8XApMZy4v/s1600/0406191220a.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi29f7DsQzYXpZgamVKAnUtGTBSwr02gBtaYwpcWJOBRq8iXQgDx5QoQosJtObRv82Mok9KjBJ-SJDfwnUTKIc1qkJk5hkmCzj6BMbKE2V5ESqj81e6CvYnx3ZsinjoNUDC_iZ8XApMZy4v/s320/0406191220a.jpg" width="320" /></a>But I digress, and we must go back to adorable and four. <br />
<br />
I swear he gets taller and bigger each and every day. Little dude has a heart of gold, is generous, and loves being around other people. Being his mommy makes me a better person and I love seeing how he can do things now that 6 months ago he couldn't do.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhq9S-6H5A4MzzBlbHZns1fVtR-0abiRk0FvGy7Xr227usWdEXiVutbAGbNl7qqJg0EYykd8F3c0X2iO0UtVZDeEhUTpcrDU2gVpaAet-ABBLS3zI6mEx8dZZ70t1bT_KadpcN_T8hGIBAa/s1600/0406191226c.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhq9S-6H5A4MzzBlbHZns1fVtR-0abiRk0FvGy7Xr227usWdEXiVutbAGbNl7qqJg0EYykd8F3c0X2iO0UtVZDeEhUTpcrDU2gVpaAet-ABBLS3zI6mEx8dZZ70t1bT_KadpcN_T8hGIBAa/s320/0406191226c.jpg" width="240" /></a>He can write his name, count to at least 60 and knows most of his letters (he occasionally gets things like U and N mixed up, cause they look alike, but he's doing great for his first year of pre-school. I'm thinking over the summer we might start doing some sight words with him since he loves books.<br />
<br />
I hope that as you get older, you'll still remember to have fun, enjoy the world around you, and infest the world with your own unique and contagious happiness.<br />
<br />
Get covered in blue frosting, jump with abandonment, and try new things.<br />
<br />
The world is your playground kid, go be shaped by play!<br />
<br />
<br />
<br />
<br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjth6ca6yi_QxAL9c59hs1prIS-GNwQ9TSOY77A0kX2J4nYzLC_VSYliNvDmGWG98gl7nl8IRNG33v6hgICq8n1H0dvbKWu_0t9OHZNIhGcfgVYR0yCp6y46bLK1GcAr8cvUFSXqaUmVBqG/s1600/0406191237.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjth6ca6yi_QxAL9c59hs1prIS-GNwQ9TSOY77A0kX2J4nYzLC_VSYliNvDmGWG98gl7nl8IRNG33v6hgICq8n1H0dvbKWu_0t9OHZNIhGcfgVYR0yCp6y46bLK1GcAr8cvUFSXqaUmVBqG/s320/0406191237.jpg" width="240" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgwdfGZJiT2-RRc-nP4CsMsazraojeWiCJYk80wybzqEgtbmFPWIXV1BNmG6XWAKzYyViwA3Z19qbAhl_0TXK9Zo7w5hN9sBG6hcfjSqg6xuHGJmNUJ8B2SnZXZflrlU7XEhj8kXXeJ6RJ/s1600/0406191233.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgwdfGZJiT2-RRc-nP4CsMsazraojeWiCJYk80wybzqEgtbmFPWIXV1BNmG6XWAKzYyViwA3Z19qbAhl_0TXK9Zo7w5hN9sBG6hcfjSqg6xuHGJmNUJ8B2SnZXZflrlU7XEhj8kXXeJ6RJ/s320/0406191233.jpg" width="240" /></a></div>
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLQilOwd_j_6DP4cifA6euk1YqzU-rze79iarGhJqKSVeue299BMFtvBt4A8TMNGEcQf5LTJ9w_5HPB6c6nBLZD81AIZ5uESP7yb_Tk-LbrNmg_AY9lCHLxYzJLDRCsxBCsWB4-FpJ5CEC/s1600/0406191528.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="1184" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLQilOwd_j_6DP4cifA6euk1YqzU-rze79iarGhJqKSVeue299BMFtvBt4A8TMNGEcQf5LTJ9w_5HPB6c6nBLZD81AIZ5uESP7yb_Tk-LbrNmg_AY9lCHLxYzJLDRCsxBCsWB4-FpJ5CEC/s320/0406191528.jpg" width="320" /></a></div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-47697167360686654032019-04-08T04:00:00.000-07:002019-04-08T04:00:04.587-07:00Dang, I glad we have insurance<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0IfD5k_6Iv5clzn_AXs68YJMNBZ6W258UkY7aLK2OIyfzLPxgBf-eegcTpxcaJOg5eJ4QcjEH5hB3bK-w5C6RekUzivMOj23whnqv9V3CqG7HbjvAQBjYUQjVMD6tbWbLNJCKx2ZVWn25/s1600/0322191201.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0IfD5k_6Iv5clzn_AXs68YJMNBZ6W258UkY7aLK2OIyfzLPxgBf-eegcTpxcaJOg5eJ4QcjEH5hB3bK-w5C6RekUzivMOj23whnqv9V3CqG7HbjvAQBjYUQjVMD6tbWbLNJCKx2ZVWn25/s320/0322191201.jpg" width="240" /></a>I didn't realize HOW expenses an office visit could be. Normally when I go into Kaiser, I never see the "itemized" bill for service, but they forgot to charge me a $15 co-pay for office visit, and had to generate a bill for the month. I saved it to post it up here on the blog, cause i'm that nerd.<br />
<br />
<b>So what am I talking about?</b><br />
<br />
ALT Lab test: $31.00<br />
HPV Detection Lab test: $139.00<br />
Pap Lab Test: $139.00<br />
Office Visit: $205.00<br />
<br />
$514.00 without insurance to be told I was healthy for my every 2 year check up. Thankfully, we paid $15.00.<br />
<br />
<b>Then there was little dude who was "sick"</b><br />
<b><br /></b>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsaLFNeQz66JAGON1uIEPqOc0nDphE-6Ab8kcen-eMQyUnsc9I1-AmIVVoHT-Bm0dDnBUabxT3eyRK0feeoOZwe9A4UCqD_1b0k-ycLbPZIWInKpbcQauvf8HAVepffXP-6i1GCSEzq3h9/s1600/0322191200.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgsaLFNeQz66JAGON1uIEPqOc0nDphE-6Ab8kcen-eMQyUnsc9I1-AmIVVoHT-Bm0dDnBUabxT3eyRK0feeoOZwe9A4UCqD_1b0k-ycLbPZIWInKpbcQauvf8HAVepffXP-6i1GCSEzq3h9/s320/0322191200.jpg" width="180" /></a>Office Visit: $323.00<br />
Extra charge for "urgent care / non appointment" :$100.00<br />
<br />
$423.00 without insurance before prescriptions... and we paid $15<br />
<br />
<b>Office visit to get ENT referral:</b><br />
Office visit with Dr. & appointment: $125.00<br />
<br />
We paid $15.00 ....<br />
<br />
Makes me feel better about those insurance premiums, especially since I didn't get an itemized report from the ENT... who removed his tubes and some wax during his visit..... for $15.00<br />
<br />
.... and then we had the other $15 co-pay when Eli had to go back to the urgent care after his tubes were removed... because there was some "fluids"...<br />
<br />
yup, happy to have insurance.<br />
<br />
<br />South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-7178102173325828572019-04-04T04:00:00.000-07:002019-04-04T04:00:02.490-07:00What we spent in March 2019<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkb1Caq3siqsZoWq3QHxymejTH6JflKr24Y8vQELDTxmsaAVKxXItoHPnqX30YqjPVpiggWCzk5P0hkxslpptPT0lExlOsfNyHxBYCimo-nIuMlmhOhN0Sc_T1sbPewhUIQnqJWXeFVq-Z/s1600/0309190915a.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="937" data-original-width="1249" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkb1Caq3siqsZoWq3QHxymejTH6JflKr24Y8vQELDTxmsaAVKxXItoHPnqX30YqjPVpiggWCzk5P0hkxslpptPT0lExlOsfNyHxBYCimo-nIuMlmhOhN0Sc_T1sbPewhUIQnqJWXeFVq-Z/s320/0309190915a.jpg" width="320" /></a>March was an "interesting" month for us. I was gone for a week on a work conference so our groceries and eating out was way higher than normal as we attempted to make it easy leading up to me leaving, easy while I was gone, and an easy week to return.<br />
<br />
I'm not listing my work expenses here that i'm floating while i'm waiting on getting a reimbursement for work, because that would really skew things even more.<br />
<br />
We did a "profit share" celebration outing and went to see a movie and hit chuck-e-cheese up since we had some family there, bought a lot of hiking gear.... went to a toddler birthday party.... did some doctor and dental visits, and made NO progress on the condo, but we expected that since it was a busy month with my being gone.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEih0KSL1Jeva_T6QH5__xI9tpS9D3XZ5EGYTbeZb-vpP6YyQmLKE_S7UAiRVd_BeKyz-n89PzZK5HFeuBGx5LRaPRBvgBeQvbLtsEljoviPRfzCOmXDZpPthZQNfhUkAexqMxiJibfF4qPa/s1600/0309191016b.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEih0KSL1Jeva_T6QH5__xI9tpS9D3XZ5EGYTbeZb-vpP6YyQmLKE_S7UAiRVd_BeKyz-n89PzZK5HFeuBGx5LRaPRBvgBeQvbLtsEljoviPRfzCOmXDZpPthZQNfhUkAexqMxiJibfF4qPa/s320/0309191016b.jpg" width="320" /></a>We also decided to do some early birthday shopping since we have the family birthdays all over the next 2 months, and some of our "gear" will need a month to "get" to us, because we have decided to do an overnight hike for my birthday, since i'm an experience "gal".<br />
<br />
And it was a 3- paycheck month for me, so we dumped over $1,000 into the car replacement fund!<br />
<br />
<h2>
<b>Alright, so with all that being said, here's what we spent in March!</b></h2>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDuaGbbZEEdtTVaeceifShdtl-Ngw0wh93PvzOY4JA9Dz4iPTgTvq5txjTfLWvTMfzi1zgYXVWDLe9sYtzlKtgJDhO3gg_u4ilTWMUfEVfqKx2DQYGQrzlVK3WZgl6DQWqXHu6S_PJAOnl/s1600/0310190836.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgDuaGbbZEEdtTVaeceifShdtl-Ngw0wh93PvzOY4JA9Dz4iPTgTvq5txjTfLWvTMfzi1zgYXVWDLe9sYtzlKtgJDhO3gg_u4ilTWMUfEVfqKx2DQYGQrzlVK3WZgl6DQWqXHu6S_PJAOnl/s320/0310190836.jpg" width="240" /></a><b>Groceries: $374.55</b><br />
<br />
<b>Gasoline: $276.07 </b><br />
<ul>
<li>Hubs:$163.02</li>
<li>Me: $148.20 -(35.15 work reimbursement) = $113.05 net</li>
</ul>
<div>
<b>Eating Out: $224.64</b></div>
<div>
(Ya, that drive thru thing didn't last long....)</div>
<div>
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg8uXq1rruE2N823gH7IZ8NfeSlK92fVg5233qQg2vpbAVLRY1aBvPpG3m2joVXkkhO677FuY8xP_0IqUmBxlwEGEZ3UkU-frwNV9OFpjAYgE3WwI5uf61RHjqwpWP8na0J66bg8YJO6BTb/s1600/0317191734_Burst18-ANIMATION.gif" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="808" data-original-width="456" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg8uXq1rruE2N823gH7IZ8NfeSlK92fVg5233qQg2vpbAVLRY1aBvPpG3m2joVXkkhO677FuY8xP_0IqUmBxlwEGEZ3UkU-frwNV9OFpjAYgE3WwI5uf61RHjqwpWP8na0J66bg8YJO6BTb/s320/0317191734_Burst18-ANIMATION.gif" width="180" /></a>
<li> $ 23.81 <span style="white-space: pre;"> </span> Chipotle </li>
<li> $ 31.24 <span style="white-space: pre;"> </span> Movie Snacks (Tickets purchased last year) </li>
<li> $ 8.35 <span style="white-space: pre;"> </span> Chipotle (mom was sick) </li>
<li> $ 12.46 <span style="white-space: pre;"> </span> Del taco (Shakes cause mom was sick) </li>
<li> $ 11.09 <span style="white-space: pre;"> </span> Panera Bread </li>
<li>$10.78 <span style="white-space: pre;"> </span> Little Caesars (mom was working) </li>
<li> $ 46.00 <span style="white-space: pre;"> </span> Red Robin </li>
<li> $ 5.11 <span style="white-space: pre;"> </span> Sonic </li>
<li> $ 17.08 <span style="white-space: pre;"> </span> Carls </li>
<li> $ 8.35 <span style="white-space: pre;"> </span> Chipotle </li>
<li> $ 13.11 <span style="white-space: pre;"> </span> del taco</li>
<li> $ 16.80 <span style="white-space: pre;"> </span> Wendys </li>
<li> $ 20.46 <span style="white-space: pre;"> </span> Wendys </li>
</ul>
</div>
<b>Little Dude: $124.33</b><br />
<ul>
<li>$ 21.00 <span style="white-space: pre;"> </span> Chuck E Cheese </li>
<li>$37.68 <span style="white-space: pre;"> </span> Overnight undies </li>
<li>$ 15.02 <span style="white-space: pre;"> </span> poop helpers (2) </li>
<li>$ 26.64 <span style="white-space: pre;"> </span> Friends birthday party present </li>
<li>$ 23.99 <span style="white-space: pre;"> </span> Back up "hobbes" </li>
</ul>
<br />
We found his stuffed tiger that he is super attached to... and bought a "replacement" just in case. If he never needs it, great, if the day comes and he needs Hobbes 2.0, we have it... or he has one for his future little person.<br />
<br />
<b>Daycare: $910.00</b><br />
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjApS6PsFPAyyTh4uvKjnbexqmNFlVzb4bP01HL_v_hdcPNFOFZiIuCv2RIehg5IEN9EQfw5vTehyphenhyphenTt27hNG9k-YkId3xN4mD_2rE6UUsEPBAg8mxKVKpJKXyZu24o5k-VB8WhVqAiYsEa/s1600/0317191815.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="1579" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjApS6PsFPAyyTh4uvKjnbexqmNFlVzb4bP01HL_v_hdcPNFOFZiIuCv2RIehg5IEN9EQfw5vTehyphenhyphenTt27hNG9k-YkId3xN4mD_2rE6UUsEPBAg8mxKVKpJKXyZu24o5k-VB8WhVqAiYsEa/s320/0317191815.jpg" width="320" /></a>
<li>Cause we are a "5-day friend" and an "all day" friend. </li>
</ul>
<b>Tithe/ Church givings: $3,659.00</b><br />
<ul>
<li>A lot larger than usual do to the overwhelming blessing that was profit share :)</li>
</ul>
<div>
<b>Doctors / Dentists / etc: $130.00</b></div>
<div>
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh6cKwedjnSaF4UixIEhqA7cXjO-ieWaORgzVvbKJe0Ee39FZNacnXrL6clWWPguUgt2q8RxIMY2WdBEOdaf1f5MjBd8vsQGYLLVnjVmtPOE0657gYgtlubPO-3vkYR1p7yJJ3QORhinMrY/s1600/0319191904.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh6cKwedjnSaF4UixIEhqA7cXjO-ieWaORgzVvbKJe0Ee39FZNacnXrL6clWWPguUgt2q8RxIMY2WdBEOdaf1f5MjBd8vsQGYLLVnjVmtPOE0657gYgtlubPO-3vkYR1p7yJJ3QORhinMrY/s320/0319191904.jpg" width="240" /></a>
<li>$15.00 Little Dude co-pay</li>
<ul>
<li>ENT office visit, tubes removed</li>
</ul>
<li>$15.00 little dude office visit -- "fluid draining" from tube removal</li>
<li>$5 Eli meds for "fluid draining"</li>
<li>$15.00 Mom co-pay, annual visit and tests</li>
<li>$80.00 Hub's dental cleaning --- yeah no cavities, a first.... Woot Woot for no soda bet!!!</li>
</ul>
<div>
<b>Dog: $429.80</b></div>
</div>
<div>
<ul>
<li>Blood work, vaccines, and visit.... (she is healthy, but fat, so the diet begins)</li>
</ul>
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhsO56loJ2OIINSkgoS24wfmDMTYMGImE1xXzOXBkj0rub8Esx1EECyeFx-MOargWD38crXPB5YxwLM9hR6LoeRTk9-t__NmamMtZUM7yZW6qnbnzcv_7goM28pI6DnO3Vf4ytqhovCd-gj/s1600/0321190744.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="500" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhsO56loJ2OIINSkgoS24wfmDMTYMGImE1xXzOXBkj0rub8Esx1EECyeFx-MOargWD38crXPB5YxwLM9hR6LoeRTk9-t__NmamMtZUM7yZW6qnbnzcv_7goM28pI6DnO3Vf4ytqhovCd-gj/s320/0321190744.jpg" width="180" /></a><b>Internet: $65.99</b><br />
<br />
<b>Fun Money: $80.00 ($40 each)</b><br />
<b><br /></b>
<b>Audible: $14.95</b><br />
<b><br /></b>
<b>Netflix: $8.61</b><br />
<b><br /></b>
<b>Electricity: $67.96</b><br />
<b><br /></b>
<b>Propane: $43.04</b><br />
<ul>
<li>This was for our BBQ. We haven't purchased propane since 2016. I think hubs swapped out 2 canisters. We keep a couple as our emergency fuel in case the power goes out, we can use our small BBQ as a stove if needed since we have an electrical one. </li>
</ul>
<b>Housing:</b><br />
<ul>
<li>HOA: $367.50</li>
<li>Mortgage: $764.00</li>
<li>(property tax not included in mortgage. We drop $285 a month into savings for it.</li>
</ul>
<div>
<b>Discretionary: $176.37</b></div>
<div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgskczDBLglHF92npf10E_ZKIONLqTxdFmba_xVAqKjGd32RTaytmG89MG84pIlRA_rGftXZPKe2zi0OerPJMOaHYD17yIRU84eEYi47oTQaY1muVVPOLGlooYrRFtTs7NihXiH4AkZnNrJ/s1600/0322191235.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgskczDBLglHF92npf10E_ZKIONLqTxdFmba_xVAqKjGd32RTaytmG89MG84pIlRA_rGftXZPKe2zi0OerPJMOaHYD17yIRU84eEYi47oTQaY1muVVPOLGlooYrRFtTs7NihXiH4AkZnNrJ/s320/0322191235.jpg" width="240" /></a><ul>
<li>$ 2.14 <span style="white-space: pre;"> </span> Sandwich bags </li>
<li>$ 7.77 <span style="white-space: pre;"> </span> Target </li>
<li>$ 46.84 <span style="white-space: pre;"> </span> Dog food (2 small bags); tooth paste, toothbrush, headache meds, lego mini build bag, </li>
<ul>
<li>Normally Dog food is sorted out under our pup expenses, but I couldn't find the receipt afterward. </li>
</ul>
<li>$ 59.63 <span style="white-space: pre;"> </span> CED </li>
<li>$ 59.99 <span style="white-space: pre;"> </span>Home depot cacti</li>
</ul>
<div>
<b>Hiking: $1,239.27</b></div>
</div>
</div>
</div>
<div>
Cause gear gets its own category... We know we spent a lot of $$$ on gear, but some of this is birthday presents for some hiking luxury items, like my food cook bag, and my hip belt/fanny pack thing. I'm using a smaller pack for our over nighter in May, so I need to get creative with saving space on the inside of my pack, and the fanny pack attaches to my chest strap for snacks, or my belt if needed. Hubs and I both wanted one, but we figured we'd get one between the two of us and see what is "manageable." </div>
<div>
<ul>
<li>$ 240.12 <span style="white-space: pre;"> </span> Micro USB cables (3 pack); Blue-tooth speaker for hiking; Women's Merino wool base layer; 2 Tick removing tweezers; pack towel; BRS stove; fixed blade knife with sheath; sawyer filter + screw on coupling; Men's exofficio underwear </li>
<li> $ 99.90 <span style="white-space: pre;"> </span> Possum Merino Wool Gloves (2) </li>
<li> $ 7.80 <span style="white-space: pre;"> </span> Leukotape </li>
<li> $ 24.80 <span style="white-space: pre;"> </span>hiking wallet, 2 water bottle clips</li>
<li> $ 32.08 <span style="white-space: pre;"> </span> Gaiters for Hubs </li>
<li> $146.29<span style="white-space: pre;"> </span> REI (Women's Exofficio underwear; hot lips; Toaks Pot; 2 inflatable pillows -sea to summit) </li>
<li> $ 155.50 <span style="white-space: pre;"> </span> Quilt -- UL Reddit Gear Trade (USED)</li>
<li> $ 288.00 <span style="white-space: pre;"> </span> Tent -- UL Reddit Gear Trade (USED)</li>
<li> $18.27<span style="white-space: pre;"> </span> crocks </li>
<li> $ 60.00 <span style="white-space: pre;"> </span> Thru Pack hip belt/fanny pack </li>
<li> $ 54.54 <span style="white-space: pre;"> </span> Hyperlight food cook bag </li>
<li> $ 208.84 <span style="white-space: pre;"> </span> cables, go pro-, power bank, hiking underwear x2 hubs</li>
<li>-96.87 (returned sleeping pads)</li>
</ul>
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEgfUztJdpU4EXIoMRRioZxQygkUuGcEe4HEzllfZHJwr7xQXBLlNqU8YQ4aGRSPf7ysAFRI3AmwEUeWX15h4mivmq-8HQ1X9fyGlR32T3H8OgfGmy-V3iAallfFlZjnuvrpy3vo3RlWky/s1600/0330191040b.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEgfUztJdpU4EXIoMRRioZxQygkUuGcEe4HEzllfZHJwr7xQXBLlNqU8YQ4aGRSPf7ysAFRI3AmwEUeWX15h4mivmq-8HQ1X9fyGlR32T3H8OgfGmy-V3iAallfFlZjnuvrpy3vo3RlWky/s320/0330191040b.jpg" width="240" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYa3VTur7Evpjp9UEda4zPZih0v3JlrxcT9CZSh_hok9yYu_ptKCgt-KfZnHIbH4M8mXXV9FFduiuYpIBjtHepUV1b7wIem1seE5oo1ezxH-bnT3qV63RNHgiyesHz4tRrdsIOLkYkPN5x/s1600/0330191218c.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYa3VTur7Evpjp9UEda4zPZih0v3JlrxcT9CZSh_hok9yYu_ptKCgt-KfZnHIbH4M8mXXV9FFduiuYpIBjtHepUV1b7wIem1seE5oo1ezxH-bnT3qV63RNHgiyesHz4tRrdsIOLkYkPN5x/s320/0330191218c.jpg" width="240" /></a></div>
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdILLXOKPgeV8l5Yltylrbv5FLg8ztCFMMZ69WGmKJHkL6iNfle6GQzVG7Zh3HZUWolztdsp0qB0lxoeMZD4SVjaQnmja01Fy4kRWVs1zO8_Otu6pYDMdj8YLb-hXK_aWfwdq_Pb5MDSqz/s1600/0330191247.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdILLXOKPgeV8l5Yltylrbv5FLg8ztCFMMZ69WGmKJHkL6iNfle6GQzVG7Zh3HZUWolztdsp0qB0lxoeMZD4SVjaQnmja01Fy4kRWVs1zO8_Otu6pYDMdj8YLb-hXK_aWfwdq_Pb5MDSqz/s320/0330191247.jpg" width="240" /></a></div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6k3elQH7R-F25Asg1pnzCClIVK9vqH2rnsJeMOgDnk5oyeMge__XoEXthBkIT8K3zC3Npq2SJjPPBCE1LP69RHwaxHr8Jey79JfT54zVWRSDj6xebHqhyphenhyphennhJe3Nh1d2FgjWtfnQhLWKtT/s1600/USER_SCOPED_TEMP_DATA_media_upload1_1553298303093.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="449" data-original-width="270" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj6k3elQH7R-F25Asg1pnzCClIVK9vqH2rnsJeMOgDnk5oyeMge__XoEXthBkIT8K3zC3Npq2SJjPPBCE1LP69RHwaxHr8Jey79JfT54zVWRSDj6xebHqhyphenhyphennhJe3Nh1d2FgjWtfnQhLWKtT/s320/USER_SCOPED_TEMP_DATA_media_upload1_1553298303093.jpg" width="192" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM7a-aKkSCefXiHaVdnDSm0nwPDU3vXxPg420zwUejM4GEaFk5euPkZRSxz2weC9JqKcWZHzPIYDFrtLgJqGbSNYhoX7iIxKRkeTxX_cyYhOxpLP2_ewSWhvdsegctFXVuGdDl-A3X9BGo/s1600/USER_SCOPED_TEMP_DATA_MSGR_PHOTO_FOR_UPLOAD_1550459929683.jpg_1550459933115.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="535" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM7a-aKkSCefXiHaVdnDSm0nwPDU3vXxPg420zwUejM4GEaFk5euPkZRSxz2weC9JqKcWZHzPIYDFrtLgJqGbSNYhoX7iIxKRkeTxX_cyYhOxpLP2_ewSWhvdsegctFXVuGdDl-A3X9BGo/s320/USER_SCOPED_TEMP_DATA_MSGR_PHOTO_FOR_UPLOAD_1550459929683.jpg_1550459933115.jpeg" width="192" /></a></div>
<br /></div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-82691502751050476902019-04-01T04:00:00.000-07:002019-04-01T04:00:06.515-07:00hiking on a budgetAs most of you know, hubs only has like 4 months left on his no soda bet... and wants a $600 tent as his reward...<br />
<br />
and most of you know that I have also sort of started hiking too (nope, more like addicted to hiking) ... and I want to do an overnight-er with him, and do some local "peak bagging" etc ... but I don't have a bet going on where I get to pick a super lightweight amazing tent and just buy it... and apparently buying me a tent takes away from Hubs working towards a back packing tent for the whole year, so I can't just go to REI or a small "cottage company" and say "take my money" and spend $600 on a tent.....<br />
<br />
Oh ya, and I don't own a sleeping bag due to the vermin that moved into our outdoor closed back in November... so i'm sorely lacking in the ability to sleep outside right now...<br />
<br />
<b>So what does this new trail hugger do?</b><br />
<br />
The UL Gear Trade/Sell Reddit feed.<br />
<ul>
<li>That's right, i'm buying lightly used gear at a fraction of the price. </li>
</ul>
Apparently because it isn't new, my purchasing "used" gear online does not take away from hub's desire to pick anything he wants out from his bet... so I found an amazing loop hole. Instead of fretting and worrying about if I want a single walled DCF tent, 2 walled tent, free standing, semi free standing, treking pole set up, 2 door or one door, vestibule size, etc... I can just look until I find a good deal with a weight i'm willing to work with and voila, just buy it. I'm actually appreciating the removal of a lot of options, because it was making the idea of purchasing a tent truly frustrating because "what if i don't like something about it AND I spent $600 on it.<br />
<br />
Instead, what's available are my options... so I started checking out the posts because this is what you call "THE TIME" to hit the feeds.<br />
<ul>
<li>Early Thru hikers for the PCT, AT, and CDT start dropping out and need to sell gear to have funds for the real world.</li>
<li>Planned Thru hikes might fall through</li>
<li>People can't get permits for the start dates they want or they need to change dates</li>
<li>People freak out about weather conditions and just say, screw it i'm not going...</li>
<li>People are upgrading gear to shed ounces just before they leave (having bought new stuff to use on trail and now need to sell their old stuff so they can have more funds)</li>
</ul>
<div>
It's a good time to frequent the feeds folks. </div>
<div>
<br /></div>
<div>
So, after 4 days of browsing the feeds, I scored a 50 degree down quilt from enlighten equipment for $150 shipped (normally $240.00 with tax and shipping). It's super light weight (10.4 oz).. and is 850 fill treated down... bought a year ago and in really great condition... and perfect for the season of camping we will be doing out here in a warmer so-cal. How'd I get such a good deal on a quilt that is made to last 20 years? </div>
<div>
<ul>
<li>The bag was sized "short/regular." The guy could only sell it to a fraction of the hiking community that was under 5'5 and that means ladies mostly... and outside of California or Arizona (where he lives), a 50 degree quilt isn't as desirable for those thru hiking. They need like a 20 degree bag for current temps right now.</li>
<li>So, this limited him to day hikers and short section hikers... and of those type of hikers, ladies typically sleep colder and will just opt for a warmer quilt because you can just use it as a blanket if needed or stick a foot out if your too hot. </li>
</ul>
So why did I buy a quilt I might have a hard time re-selling?<br />
<ul>
<li>I've never used a camping quilt before, but I've been wanting to try one out for the weight savings since I have such a small frame (length of my back), there really is a limit to what I can carry... </li>
<li>Having to pay $240 for a quilt and not being able to return it if I don't like quilt camping, wasn't really in the cards... </li>
<li>It would be cheaper than a sleeping bag...</li>
<li>It's LIGHTER than a sleeping bag. </li>
<li>I don't really like sleeping like a mummy because I typically sleep warm.</li>
<li>I can always add a light base layer for bed time snoozing if I feel cold... </li>
</ul>
I got it and its in great condition, and I am small enough that I can actually have it cover most of my face if I wanted it to and I can actually mummy it to my person without using the straps if there was a really drafty night.<br />
<br />
<b>I also found a tent... which was a WAY better deal than the quilt.</b></div>
<div>
<br /></div>
<div>
A Big Agnes Fly Creek Platinum... only used for 5 nights... with the footprint.... and the whole thing only weights 35 oz for a SEMI freestanding DOUBLE WALLED tent... and it's a 2 person, so plenty room for 5 foot me, and my gear without an added weight penalty.<br />
<br />
<ul>
<li>New from REI: $549.95</li>
<li>Footprint from REI: $70.00</li>
<li>TOTAL with tax: $668.00</li>
</ul>
<div>
I bought it for $288 with the security protection offered by Pay-Pal. </div>
<div>
<br /></div>
<div>
The only thing I need to do is buy some stakes for it, which I can easily do for $20-$40 depending on how light I want to make them. </div>
<div>
<br /></div>
<div>
I secretly think hubs is eye balling my used gear right now.... </div>
</div>
<div>
<br /></div>
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0tag:blogger.com,1999:blog-5409437835427293169.post-39271935216189734832019-03-28T04:30:00.000-07:002019-03-28T04:30:10.694-07:00Work confrence<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifO_MQkirjHNoVTh7yxwJYjvKPUTB1oWBvhrjn6Eyv2Qm-6iAz1TYAVTpDZuJzcSWgza4sJeR86XVhRZuKX1it-qA1c3N0EJXovoJkI-aJe_FditNeJ-zOgtk8gBYquMaGoQWc8V5hpe1b/s1600/FB_IMG_1553398446463.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="409" data-original-width="720" height="181" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifO_MQkirjHNoVTh7yxwJYjvKPUTB1oWBvhrjn6Eyv2Qm-6iAz1TYAVTpDZuJzcSWgza4sJeR86XVhRZuKX1it-qA1c3N0EJXovoJkI-aJe_FditNeJ-zOgtk8gBYquMaGoQWc8V5hpe1b/s320/FB_IMG_1553398446463.jpg" width="320" /></a>Spent almost a week out in Sacramento at a work conference, and boy am I glad that they are covering the expenses.<br />
<br />
The hotel stay alone was almost $900!<br />
<br />
I have to say there is something about just eating at home that is amazing. I got pretty sick the first night there because I had to eat all three meals OUT when I maybe do once a week out if its been a rough day.<br />
<br />
What surprised me was the looks this statement got. The idea that every meal out might actually make me sick... because I don't do it all the time...<br />
<br />
Needless to say its a week of Salads and Spinach Bites for lunches this week just to get me back to normal, lol.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqKn0p9MxSGtyrCRftif2ie3vG3kIthm5Qrlf0QY18pKY_k2ABcMZ8Hrpjoh3tnpYMp0umIgz3j2rCP0HSKdGrD-uWMgrn-iWWvRL1vRut1zaECUbp2Ft4kBum9soQR_5gAqO35fXTGNRN/s1600/0320190627a.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgqKn0p9MxSGtyrCRftif2ie3vG3kIthm5Qrlf0QY18pKY_k2ABcMZ8Hrpjoh3tnpYMp0umIgz3j2rCP0HSKdGrD-uWMgrn-iWWvRL1vRut1zaECUbp2Ft4kBum9soQR_5gAqO35fXTGNRN/s320/0320190627a.jpg" width="240" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgenwbbns2LJW-2vOEjD-g5G01ebGyijZHCGR8WhBXCx24rJqiKB8jdMYLHXysZL1gXQpy4vIFmw-EkJ0XzIDIiIhAIvgmLRR9Bep3ETQEF5X6nd6X3gIdqkNorNjKcKaLycNcA8NuVo9_x/s1600/0320190649.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="888" data-original-width="666" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgenwbbns2LJW-2vOEjD-g5G01ebGyijZHCGR8WhBXCx24rJqiKB8jdMYLHXysZL1gXQpy4vIFmw-EkJ0XzIDIiIhAIvgmLRR9Bep3ETQEF5X6nd6X3gIdqkNorNjKcKaLycNcA8NuVo9_x/s320/0320190649.jpg" width="240" /></a></div>
<br />
So why did I go to Sacramento?<br />
<br />
I was speaking at our annual state wide conference... Which is a pretty big deal... Cause I did a really good job... and as much as I wish this profession was just about doing a good job... It's also about who knows YOU, not who you know... <i>(you can do great work, but if no one knows your awesome, it's like sticking it under the couch and leaving it there to be covered in dog hair.... forgotten until the annual cleaning takes place, and said toddler re-discovers the lost item too late because the rest of the set is no longer in the house...)... </i><br />
<br />
and after this conference, it's safe to say there are a lot more people out there who know who I am... which is a good thing.... plus I had a lot of fun presenting and I hope to do it again.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyQG-73b5zLj9PBVRg2e4db2u3TA1xphoHks-thYDLRz8hNI_VCsx-6W5Srl3wZLIU6Af3Z6eQ5TjiDxodXqOHgDcph8aaNbMLdD6_SXwjI2Q3F3MSpDRyM_Wwe_xWmAPjkSJemXVPejWp/s1600/IMG950113.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="768" data-original-width="1024" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyQG-73b5zLj9PBVRg2e4db2u3TA1xphoHks-thYDLRz8hNI_VCsx-6W5Srl3wZLIU6Af3Z6eQ5TjiDxodXqOHgDcph8aaNbMLdD6_SXwjI2Q3F3MSpDRyM_Wwe_xWmAPjkSJemXVPejWp/s320/IMG950113.jpg" width="320" /></a></div>
<br />
I think the highlight for me was the gal who came up to me afterward and told me my session made her entire conference worth coming out here... <br />
South County Girlhttp://www.blogger.com/profile/07347142273473958671noreply@blogger.com0