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I seem to be failing frugal parenting.  My son spent the entire week telling me how happy he’d be if we could go to the game store so he could spend some of his money.  Tying emotions to shopping is badbadbad.

Live Real, Now was included in four carnivals last week:

Carnival of Financial Planning – Edition #224 at AaronHung.com

Yakezie Carnival – Mardi Gras Edition at Young Adult Finances

Canadian Finance Carnival #76 at Canadian Finance Blog

Carnival of Financial Camaraderie – Rain Man Edition at Thirty Six Months

Thanks to all of the hosts for including my posts.

Get More Out of Live Real, Now

There are so many ways you can read and interact with this site.

You can subscribe by RSS and get the posts in your favorite news reader.  I prefer Google Reader.

You can subscribe by email and get, not only the posts delivered to your inbox, but occasional giveaways and tidbits not available elsewhere.

You can ‘Like’ LRN on Facebook.   Facebook gets more use than Google.  It can’t hurt to see what you want where you want.

You can follow LRN on Twitter.   This comes with some nearly-instant interaction.

You can send me an email, telling me what you liked, what you didn’t like, or what you’d like to see more(or less) of.   I promise to reply to any email that isn’t purely spam.

Have a great week!

Last Friday, my youngest daughter woke me up at 3AM by puking in my bed.  Saturday, my son came down with a fever that we discovered on Wednesday was part of a nasty sinus infection.    Sunday, my wife appeared to catch the flu that she was kind enough to share with me on Tuesday.   Thursday, my youngest caught a horrible cold that’s had her coughing hard enough to feel nauseous.  Only my six-year-old has escaped unscathed.

Live Real, Now was included in the following carnivals recently:

Lifestyle Carnival hosted by Money Master Mom

Carnival of Money Pros hosted by Family Money Values

Carnival of Retirement #59  hosted by Midlife Finances

Yakezie Carnival hosted by My University Money

Carnival of Money Pros      hosted by The Happy Homeowner

Carnival of Retirement #61  hosted by Free at 33

Yakezie Carnival hosted by Debt Black Hole

Carnival of Financial Camaraderie #71 hosted by Debt Round Up

Carnival of Retirement #60  hosted by Master the Art of Saving

Yakezie Carnival hosted by NZ Muse

Carnival of Money Pros hosted by Money Reasons

Lifestyle Carnival hosted by Vanessa’s Money

Carnival of Financial Camaraderie #69 hosted by Savvy Scot

Yakezie Carnival   hosted by The Frugal Toad

Lifestyle Carnival   hosted by Savvy Scot

Carnival of Money Pros hosted by Drop That Debt

Carnival of Retirement #56 hosted by Making Sense of Cents

Y & T’s Weekend Ramblings  hosted by Young & Thrifty

Yakezie Carnival  hosted by The Amateur Financier

Lifestyle Carnival  hosted by Free at 33

Yakezie Carnival   hosted by KNS Financial

Carnival of Money Pros   hosted by The Ultimate Juggle

Lifestyle Carnival  hosted by Blue Collar Workman

Y & T’s Weekend Ramblings  hosted by Young & Thrifty

Finance Carnival for Young Adults  hosted by 20s Finances

Carnival of Money Pros    hosted by Cash Net USA

Carnival of Financial Camaraderie #66 hosted by Vanessa’s Money

Carnival of Retirement #53 hosted by Good Financial Cents

Thanks for including my posts.

Get More Out of Live Real, Now

There are so many ways you can read and interact with this site.

You can subscribe by RSS and get the posts in your favorite news reader.  I prefer Google Reader.

You can subscribe by email and get, not only the posts delivered to your inbox, but occasional giveaways and tidbits not available elsewhere.

You can ‘Like’ LRN on Facebook.   Facebook gets more use than Google.  It can’t hurt to see what you want where you want.

You can follow LRN on Twitter.   This comes with some nearly-instant interaction.

You can send me an email, telling me what you liked, what you didn’t like, or what you’d like to see more(or less) of.   I promise to reply to any email that isn’t purely spam.

Have a great weekend!

It’s been one heck of a spring summer for my family, financially speaking, and it turned out to be a bit more than we had budgeted for.

Here’s what we’ve done on top of our regular spending, so far:

• Remodeled both of our bathrooms(at the same time!) ($6000-ish)
• Summer camp for two kids ($500)
• Swimming lessons for three kids ($350)
• Replaced the entire air conditioning system in my car ($1600)
• Finished paying for our current round of ballroom dancing lessons($400)
• New mattress on our bed($1200)
• My wife is off work for the summer.   Part time and sporadic hours when it’s not the school year.

Taken in reverse order…

Mattress

The wire frame on our mattress broke.   I wish that was a complement to my prowess, but nothing was happening when it snapped.   Sleeping with a jagged piece of steel poking you sucks, to say the least.

Dancing

Ballroom dancing is something my wife and I both enjoy, and it’s good exercise, so we decided to keep it up.  We are officially in training for competition-level dancing, but now that our favorite place to dance is closed, we may not continue.  The lessons are paid for through next spring, though.

Air conditioner

My A/C system “grenaded”.  Basically, the insides decided to disintegrate and go flowing through the rest of the system, mucking it all up.   And making the car undriveable.    On the plus side, this hard-to-find leak I’ve been ignoring in favor of annual $75 A/C recharges is fixed, now.

Swimming, not dying

My youngest kids have never had swimming lessons and my oldest isn’t a strong swimmer.   Helping my kids not drown is a good thing.

Camp

We put the down payment on camp back in February, then promptly forgot about paying for the rest of it until the deadline hit.   I paused while typing this to add it to my budget so I don’t forget for next year.

The remodel

We had, at one point, $9500 set aside for the remodel, but I raided that account a few times if we went over on our monthly spending.   Then, when we got the estimate, we neglected to include one of the subtotals together when we agreed to it, so the job cost more than I was expecting from the start.  We still got a great price, though.

Until the tub surround didn’t come in a color we liked and could get in less than 6 weeks.  So, we upgraded to porcelain tile.

And the ceiling started peeling.

And we decided to get nice fixtures, so it would be a bathroom we loved enough to demonstrate physically, for years to come.

And we noticed the basement bathroom floor tiles were loose.

So much money just poured out of my credit card.

At the moment, we have approximately $8,000 on our credit cards.   That’s the highest balance we’ve carried in years.   This month was the first time I’ve paid interest on a credit card since August 2012.

What’s our plan for the credit cards?

• I get a $500 bonus every month.   Getting this bonus is almost entirely under my control.
• We gave our renters(two of our closest friends) a good introductory rent until their current lease expires.   Their rent triples at the end of the month.
• I stopped paying double mortgage payments.
• We have some money in our emergency fund.
• We should have about $1000 left in the remodel account when the job is finished.

That’s $1500 as an immediate payment, plus about $2300 per month on top of our normal spending to pay off the cards.

That means we’ll be down to about $4300 in two weeks.   When my wife gets her first full paycheck at the end of September, we’ll have the cards paid off.

Then comes the challenge of catching back up on the mortgage.   Until yesterday, we were projected to pay off our house on December 1.   Our current balance is $4660, with a mandatory monthly payment of $470.58.  That’s about 10 months of payments.   We were making an extra $520 interest payment each month, which brought it down to the December payoff date.   For the next 3 months, we’re only going to be paying roughly the minimum, which means we’ll have to pay a bit over triple for November and December to be done with it this year.

I think we can do it.

How do we avoid this in the future?

With our renters paying full rent now, our goal is to pretend Linda isn’t getting paid when her work picks up again in September.  We want to save or invest everything she makes, on top of the current savings.    Not all of that will be long-term, and not all of it will be spendable.  That saving will include things like braces for the younger kids, vacations that are more than just long weekends, and maxing out both of our retirement accounts.

That should still let us pad out our emergency fund to 4 months of expenses by spring, which is a pretty good cushion for us.

I hope.  I haven’t done the math.