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Budget Tune-Up: Tightening Our Belts Starting in June
Our vacation house is coming along! We are working on renovations, and we have a garage full of furniture waiting to be put together. As I shared in my weekly newsletter, the appraisal came in lower than we hoped. A lower appraisal meant that we had to sink a lot more cash into the deal than we hoped. (The cash we used was from the cash-out refinance on the home we rent out.) Since we lost so much of our cash, we had to pay for renovations and furniture using our credit cards. Now we are in need of a major Budget Tune-Up to get ourselves on track for … Read More
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Financial Goals: What Are Mine?
For those of you who have been reading this blog the past couple months, you know I’ve been craving “novelty and progress.” It led me to read a book about financial independence. Then there was this big decision for our family. Through it all, I’ve been wondering, “What are our financial goals?” It seems to me that Matt and I will have a much harder time reaching our goals if we don’t really know what they are!
We sat down to flesh them out together. Here’s what we came up with:
Our Financial Goals
- We want to live in a home that feels like a sanctuary and
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Locking in a Great Mortgage Rate
We are definitely in the final stages of our moving countdown! And I’m trying to keep things as stress-free as possible (since my work as an administrator during COVID has been stressful enough for everyone in our family). The more I work in advance and get things down ahead of time, the less stress I feel. This week was all about locking in a great mortgage rate.
We are building our home with KB Home, and they have their own mortgage lending company. Those folks have been working with us for months to try and get our business. However, in the 60 days leading up to the closing, we … Read More