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Ballot Sent!

October 4th, 2020 at 04:37 pm

It turned out I could not drop off my ballot until October 19. Since I didn't want to wait that long, I took it to the post office. I decided to go to the post office in a neighboring suburb where parking is easy and which is near my favorite burger place! I spent $10 on a drive-thru lunch, a nice diversion. It gave my car a little exercise, too.

Variables are at 7%.

In response to Lots of Idea's good comments, I decided that putting the full $300 extra on my mortgage each month was probably not warranted, since, at my age, even with extra payments, I will probably have to move before I can pay it off. I looked at a few mortgage calculators and can't find a good deal for switching to a fixed rate. Maybe because I have less than $60K to pay off? The fees, too, are prohibitive. For the time being, I'll raise my payment from $350 to $400, which will make me feel like I'm doing something to mitigate the interest, and it will give me some extra cash to do the things I need to do around the house.

My other plan is to win the lottery. Haha, just kidding, I hardly ever buy a ticket.

GS1 had a baseball game at 8 this morning, but DS forgot to put it on the calendar, so when I woke up at 7:30, it was already too late. It was a playoff game, and they haven't won any in this season, so it was probably the last game.

It's another cold day, but a warm-up is expected this coming week -- I can hardly wait!

I never heard anything about the window washing being redone, so I'm going to ask DS to put the storms back up. Truthfully, when the boiler is on, it will be so hot in here I don't need storm windows, but I might as well store them in the windows instead of dragging them down to the storage unit. Anyway, the windows look sort of weird without them.

5 Responses to “Ballot Sent!”

  1. Lots of Ideas Says:
    1601833540

    I’m glad you are going to budget some money towards your ‘wants’
    I bet your sons would say the same! You are so generous with your family.
    And much of what you want to do will actually add to the resale value of your home, so a good investment too,

  2. terri77 Says:
    1601897762

    My mom received her ballot Saturday, but my dad is still waiting on his. Same last name, same household.

  3. rob62521 Says:
    1601940787

    Wonder why you have to wait so long to turn in your ballot. Downstate in our city, you could return it the same day you received it.

  4. LivingAlmostLarge Says:
    1602005581

    Okay I'm going to run for cover but after making my suggestions. What is your current interest rate? And you owe less than $60k. What about moving on a 0% CC BT and see if you can't pay it off within the 18 months? And then roll the balance again? Or do it with a portion and pay off say $20k that way? Keep doing it and saving some money on interest.

  5. CB in the City Says:
    1602018037

    Don't run for cover! Your suggestion is a good one, but I am in the lower income class, so it would be unfeasible. Most of my income must go to living expenses; that's why I track it so carefully.

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