Happy New Year everyone!!!! Susan actually made it until midnight this year!!! We watched Ratatouille and are now watching Harry Potter and the Order of the Phoenix.
Solitaire for the month: +3000
Monday, December 31, 2007
Sunday, December 30, 2007
Today
So, its been a couple of weeks. I kind of got tired of just posting solitaire post so I quit doing it for a couple of weeks to decide what I wanted to do with this blog. I'm still not sure. But I figured I would type about something today.
A major thing has happened in the last couple of weeks. The biggest one is we are now well below the 40K mark on the house. We are actually below the 35K mark now adding in the January paycheck. Something major happened once we got below the 40K mark. Something simply clicked, like we can do this!!! I talked to Susan about it a bit yesterday and she agreed, there was a psychological change at the first number going from a 4 to a 3. Maybe its because when we started with my debt, that was around what we started with. We were above the 40K mark, but not by much, and we got rid off all that debt in less than a year (closer to 7 months). Maybe, that is one of the reasons things changed.
To give you a little bit of an idea, let me tell you about the end of December budget. Susan and I went through the budget again, and reduced all of our weekly expenditures (which are: grocery money, household money (wal-mart type stuff), date money (for Susan and I to be able to do out to eat, see a movie, etc.), Greg stuff money (money we get that we can spend on whatever), Susan stuff money, and then the montly clothing money. By taking a simple 5 dollars a week from all of these categories, we freed up another 100 a month to send to the mortgage.
With the last raise that Susan got, and my surprise raise (none of my bosses have yet told me that I was getting a raise), we are now sending 3000 a month to the mortgage on top of the normal 604 dollar mortgage payment. Yes, we are managing to send more to Chase each month than my bring home pay. That's a very comforting thought when it comes to when we have a baby and Susan won't be working anymore. Not only will we be able to easily live off my income (sans solitaire) but we will also still be able to send money to retirement.
I have also sat down and made a new spreadsheet showing our net worth. Its a rather interesting process seeing those type of numbers and think about how negative we were and how much in the positive we are now. I'm actually keeping up with 3 numbers overall. The total net worth, net worth not including home equity, and then net worth not including home equity and without including Susan's IRA. There are reasons I'm keeping up with it like that.
Net Worth: Self explanitory, what we are worth overall including everything. Kind of have to track this one.
Net Worth w/o the House Equity: The reason I keep up with this one is for retirement. I don't see us ever having a house that is less expensive than the one we are currently in. That would mean that we can't really count the house equity toward our retirement fund.
Net Worth w/o the House or Susan's IRA: The reason I want to keep up with this number is to see where we stand as far as being able to retire early. I don't know if we will do this (right now, the numbers say no), but depending on outside sources of income, this might be a reality one day. Of course, the thing with IRAs is that you can't start drawing on them until you are 59 1/2. So if there is even a small possibility to be able to retire before then, we will have to have enough money generating interest without this account.
So where do we stand. The numbers look like this. I could only go back to October 2007 because of various factors....
October 2007: Net Worth: 99,586.35
Net Worth w/o House: 64,258.18
Net Worth w/o House or IRA: 25,568.75
November 2007: Net Worth: 109,210.03 LM: +8.81%
Net Worth w/o House: 67,961.87 LM: +5.45%
Net Worth w/o House or IRA: 29,641.71 LM: +13.74%
December 2007: Net Worth: 118,128.32 LM: +7.55%
Net Worth w/o House: 65,552.32 LM: -3.68%
Net Worth w/o House or IRA: 28,763.82 LM: -12.23%
As of right now, the Net Worth w/o House and Net Worth w/o House or IRA should not vary very much. Considering we are putting ANY extra money that we come up with to the house, the Net Worth number is going to be the only thing that is going to change the most. After we do get rid of the mortgage though, the other numbers will have a bigger impact. The other thing to consider is how I get these numbers. I decide to take the numbers from the 1st of every month. The accounts involved are our checking account, savings account (for small, short term emergencies), Vanguard Money Market Account (for tax payments and longer term emergencies, will also be used to build up our next car purchase and our next house purchase), our Home Equity (assuming our house is worth 95K then subtracting what we owe on the mortgage), and Susan's IRA. Once we do start purchasing more equities, once we finish with the mortgage, I will include other accounts. I'm also thinking about going ahead and breaking down Susan's IRA number into the 3 funds that are actually contained within that account.
Anyway, this has gotten to be a long post. I think I will start talking more and more about our finances and forgetting about posting results from solitaire and poker on here. I will post monthly stats for solitaire, but that is probably about it.
Ideas for next post:
Why we decided to pay off the mortgage instead of investing the money.
A major thing has happened in the last couple of weeks. The biggest one is we are now well below the 40K mark on the house. We are actually below the 35K mark now adding in the January paycheck. Something major happened once we got below the 40K mark. Something simply clicked, like we can do this!!! I talked to Susan about it a bit yesterday and she agreed, there was a psychological change at the first number going from a 4 to a 3. Maybe its because when we started with my debt, that was around what we started with. We were above the 40K mark, but not by much, and we got rid off all that debt in less than a year (closer to 7 months). Maybe, that is one of the reasons things changed.
To give you a little bit of an idea, let me tell you about the end of December budget. Susan and I went through the budget again, and reduced all of our weekly expenditures (which are: grocery money, household money (wal-mart type stuff), date money (for Susan and I to be able to do out to eat, see a movie, etc.), Greg stuff money (money we get that we can spend on whatever), Susan stuff money, and then the montly clothing money. By taking a simple 5 dollars a week from all of these categories, we freed up another 100 a month to send to the mortgage.
With the last raise that Susan got, and my surprise raise (none of my bosses have yet told me that I was getting a raise), we are now sending 3000 a month to the mortgage on top of the normal 604 dollar mortgage payment. Yes, we are managing to send more to Chase each month than my bring home pay. That's a very comforting thought when it comes to when we have a baby and Susan won't be working anymore. Not only will we be able to easily live off my income (sans solitaire) but we will also still be able to send money to retirement.
I have also sat down and made a new spreadsheet showing our net worth. Its a rather interesting process seeing those type of numbers and think about how negative we were and how much in the positive we are now. I'm actually keeping up with 3 numbers overall. The total net worth, net worth not including home equity, and then net worth not including home equity and without including Susan's IRA. There are reasons I'm keeping up with it like that.
Net Worth: Self explanitory, what we are worth overall including everything. Kind of have to track this one.
Net Worth w/o the House Equity: The reason I keep up with this one is for retirement. I don't see us ever having a house that is less expensive than the one we are currently in. That would mean that we can't really count the house equity toward our retirement fund.
Net Worth w/o the House or Susan's IRA: The reason I want to keep up with this number is to see where we stand as far as being able to retire early. I don't know if we will do this (right now, the numbers say no), but depending on outside sources of income, this might be a reality one day. Of course, the thing with IRAs is that you can't start drawing on them until you are 59 1/2. So if there is even a small possibility to be able to retire before then, we will have to have enough money generating interest without this account.
So where do we stand. The numbers look like this. I could only go back to October 2007 because of various factors....
October 2007: Net Worth: 99,586.35
Net Worth w/o House: 64,258.18
Net Worth w/o House or IRA: 25,568.75
November 2007: Net Worth: 109,210.03 LM: +8.81%
Net Worth w/o House: 67,961.87 LM: +5.45%
Net Worth w/o House or IRA: 29,641.71 LM: +13.74%
December 2007: Net Worth: 118,128.32 LM: +7.55%
Net Worth w/o House: 65,552.32 LM: -3.68%
Net Worth w/o House or IRA: 28,763.82 LM: -12.23%
As of right now, the Net Worth w/o House and Net Worth w/o House or IRA should not vary very much. Considering we are putting ANY extra money that we come up with to the house, the Net Worth number is going to be the only thing that is going to change the most. After we do get rid of the mortgage though, the other numbers will have a bigger impact. The other thing to consider is how I get these numbers. I decide to take the numbers from the 1st of every month. The accounts involved are our checking account, savings account (for small, short term emergencies), Vanguard Money Market Account (for tax payments and longer term emergencies, will also be used to build up our next car purchase and our next house purchase), our Home Equity (assuming our house is worth 95K then subtracting what we owe on the mortgage), and Susan's IRA. Once we do start purchasing more equities, once we finish with the mortgage, I will include other accounts. I'm also thinking about going ahead and breaking down Susan's IRA number into the 3 funds that are actually contained within that account.
Anyway, this has gotten to be a long post. I think I will start talking more and more about our finances and forgetting about posting results from solitaire and poker on here. I will post monthly stats for solitaire, but that is probably about it.
Ideas for next post:
Why we decided to pay off the mortgage instead of investing the money.
Saturday, December 15, 2007
December 14, 2007 Results
As the survival tournament goes on, actually got up to the 120 level today, stuck for now...
Solitaire: +150
Poker: -8.50
Solitaire: +150
Poker: -8.50
Wednesday, December 12, 2007
Monday, December 10, 2007
December 9, 2007 Results
Another good day in the Survival Tournament.
Solitaire: +250
Poker: -11
MLB Powerpro Baseball was pretty darn cool, but I don't think its good enough to actually buy this time around, maybe the next release. Its defenitely a pretty good baseball engine, the weird thing was the soap opera mode. Basically you lead a life as a college student and have to decide between practicing, studying, dating, and sleeping. It was pretty funny....
Solitaire: +250
Poker: -11
MLB Powerpro Baseball was pretty darn cool, but I don't think its good enough to actually buy this time around, maybe the next release. Its defenitely a pretty good baseball engine, the weird thing was the soap opera mode. Basically you lead a life as a college student and have to decide between practicing, studying, dating, and sleeping. It was pretty funny....
Sunday, December 9, 2007
December 8, 2007 Results
Good day in solitaire thanks to the Survival Tournament, not such a good day for poker.
Solitaire: +200
Poker: -42
Solitaire: +200
Poker: -42
Saturday, December 8, 2007
December 7, 2007 Results
Well the Survival is back, but not exactly how I wanted it. This time around, the Survival is only a 25K survival instead of the 50K survivals they have been having. That makes me very sad...... but hey, at least its a survival and it should end a lot quicker than the last several.
Solitaire: +50
Poker: +47
Solitaire: +50
Poker: +47
Friday, December 7, 2007
December 5, 2007 Results
Pretty dang good day, mainly because the big tournament ended.
Solitaire: +200
Poker: +2.50
Solitaire: +200
Poker: +2.50
Tuesday, December 4, 2007
December 4, 2007 Results
Can't crack the 180 person 4 dollar tournament for nothin'!!!!
Solitaire: +50
Poker: -4.40
Can't decide if I like the Wii version of Fifa 08 or not. It was semi-decent, but its really the same game from last year with just a different control scheme.... Mario Galaxy is pretty cool though, as is Mario and Sonic at the Olympic Games. Those have both been added to the Christmas list.
Solitaire: +50
Poker: -4.40
Can't decide if I like the Wii version of Fifa 08 or not. It was semi-decent, but its really the same game from last year with just a different control scheme.... Mario Galaxy is pretty cool though, as is Mario and Sonic at the Olympic Games. Those have both been added to the Christmas list.
Monday, December 3, 2007
Sunday, December 2, 2007
December 1, 2007 Results
No good tournaments going on in solitaire:
Solitaire: +50
Poker: +0.50
Will probably be a zero in solitaire tomorrow :-(
Solitaire: +50
Poker: +0.50
Will probably be a zero in solitaire tomorrow :-(
Saturday, December 1, 2007
Mortgage Payment
Just made the house payment that is due on January 1, 2008. Got to be an extra 2,229.30. That took another 9 months off the original payoff amount.
Beside that, not much changed:
Original Mortgage Payoff: June 2018 - minus 9 months
Official Mortgage Payoff: August 2009 - stayed the same
Dream Mortgage Payoff: August 2008 - Up one month
The dream mortgage payoff should go back down once we get some solitaire checks in. One of those checks is on its way in the total of 950 dollars.
So after taking into account December's paychecks, the new imaginary balance on the mortgage is:
42,219.
Yep, 44K and 43K gone!!! I love being able to take off ks everytime we get paid.
Beside that, not much changed:
Original Mortgage Payoff: June 2018 - minus 9 months
Official Mortgage Payoff: August 2009 - stayed the same
Dream Mortgage Payoff: August 2008 - Up one month
The dream mortgage payoff should go back down once we get some solitaire checks in. One of those checks is on its way in the total of 950 dollars.
So after taking into account December's paychecks, the new imaginary balance on the mortgage is:
42,219.
Yep, 44K and 43K gone!!! I love being able to take off ks everytime we get paid.
Friday, November 30, 2007
Wednesday, November 28, 2007
November 27, 2007 Results
Not that much progress today, as it takes a while for the 100 people to enter the 100 people tournaments....LOL
Solitaire: +50
Poker: 0
House imaginary balance: 44,781
Solitaire: +50
Poker: 0
House imaginary balance: 44,781
Tuesday, November 27, 2007
45K Gone
And in further developments, the 45K mark is now gone :-)
That makes 6 marks off the board this month, so a little bit better than normal. I was hoping to get to this point by the end of the month to be able to have a shot of having the balance of the mortgage be below 40K before the end of the year, so going into 2008 we will owe something in the 39K range.
That makes 6 marks off the board this month, so a little bit better than normal. I was hoping to get to this point by the end of the month to be able to have a shot of having the balance of the mortgage be below 40K before the end of the year, so going into 2008 we will owe something in the 39K range.
November 26, 2007 Results
Another good day in the solitaire world. They have switched over to the 100 player tournament, so I've been doing fairly well again.
Solitaire: +200
Poker: -11
Solitaire: +200
Poker: -11
Sunday, November 25, 2007
November 25, 2007 Results
Solitaire: +250
Poker: +57
Did fairly well in the 100K tournament on PokerStars today. Finished 311th. Should have held off and gotten another 19 dollars for my trouble, but oh well. AJ suited ran into AA. Not a good match up. Did catch 2 clubs on the flop, but didn't get the ultimate suck out....oh well...
Poker: +57
Did fairly well in the 100K tournament on PokerStars today. Finished 311th. Should have held off and gotten another 19 dollars for my trouble, but oh well. AJ suited ran into AA. Not a good match up. Did catch 2 clubs on the flop, but didn't get the ultimate suck out....oh well...
November 23, 2007 Results
Solitaire: +200
Poker: 0
Nice to have the 5 dollar / 100 dollar payout game back....
Now where is that Survival????
Poker: 0
Nice to have the 5 dollar / 100 dollar payout game back....
Now where is that Survival????
Friday, November 23, 2007
Another Mortgage Payment
So we got the next Paypal in a lot more quickly than I had expected, so I got to pay another mortgage payment today. Today's payment was 1304.05.
What this does for the numbers:
We have now paid 9639.84 towards the mortgage this month with 9036.36 extra going straight to principal. Kind of funny to think that we have paid off 1/5th of what we owe on the mortgage in one month. I keep on telling Susan that I don't know how much longer this will last and she keeps telling me that it just keeps "happening", doesn't it? LOL I guess she does have a point. For the last 3 months I keep saying there is no way, and every month we keep on paying more than we did in the previous month.
Original Mortgage Payoff: February 2019 - minus 7 months
Official Mortgage Payoff Date: August 2009 - Stayed the same
Dream Mortgage Payoff Date: July 2008 - Stayed the same
Not too bad of a month, not bad at all. All I can say right now is....c'mon Survival Touranment!!!!
What this does for the numbers:
We have now paid 9639.84 towards the mortgage this month with 9036.36 extra going straight to principal. Kind of funny to think that we have paid off 1/5th of what we owe on the mortgage in one month. I keep on telling Susan that I don't know how much longer this will last and she keeps telling me that it just keeps "happening", doesn't it? LOL I guess she does have a point. For the last 3 months I keep saying there is no way, and every month we keep on paying more than we did in the previous month.
Original Mortgage Payoff: February 2019 - minus 7 months
Official Mortgage Payoff Date: August 2009 - Stayed the same
Dream Mortgage Payoff Date: July 2008 - Stayed the same
Not too bad of a month, not bad at all. All I can say right now is....c'mon Survival Touranment!!!!
Tuesday, November 20, 2007
Mortgage payment
Got to pay another 1377.07 to the mortgage yesterday. That brings the extra paid this month to 7732.32. Not too bad, still wish I would have won that Survival Tournament!!!!
Original Mortgage Payoff: July 1, 2019 - Down 6 months
Official Payoff Mortgage Date: August 1, 2009 - Down 1 month
Dream Payoff Mortgage Date: July 1, 2008 - Down 1 month
Finally got the dream payoff back down to July again!!!!
Original Mortgage Payoff: July 1, 2019 - Down 6 months
Official Payoff Mortgage Date: August 1, 2009 - Down 1 month
Dream Payoff Mortgage Date: July 1, 2008 - Down 1 month
Finally got the dream payoff back down to July again!!!!
Sunday, November 18, 2007
November 16 and 17, 2007 Results
Hmmm
Solitaire: 0
Poker: +11.50
At least the poker account is above 200 again.
Solitaire: 0
Poker: +11.50
At least the poker account is above 200 again.
Friday, November 16, 2007
2008 Goals
Its getting fairly close to the end of the year so I'm thinking its time to go ahead with the 2008 goals or goal even....
The big one is to finish paying off the house by August. I'm saying by August because as of today, we have right at 46,000 left. I'm figuring, depending on the tax situation, that we should have 10K left in the Vanguard account to send to the mortgage which brings the balance down to 36,000. So 36K, we should be able to do at least 4K in extra payments a month, that's 9 months. One month left to go in 2007, so 8 months in 2008, August...tada!!!! If WW keeps their schedule on Survival Tournaments, there should be either 4 or 5 more Survival Tournaments left. If I keep on doing as well in them as I have been (averaging right around 4000 per tournament), that would be 16K in just Survival Tournaments. Add that to the other 2000 minimum we have been sending in extra payments per month (comes out to 18K), those 2 things add up to 34K, so only 2K left to come up with....LOL maybe I should be shooting for July. As long as we get it done in 2008, I will be VERY happy!!!! To think, that this time next year we will be done with the mortgage is a wonderful thought!!!!
Second goal is to have the Vanguard account at least at 30K by the end of the year.
That's it for the financial goals so far for 2008. I'm sure these will have to be readjusted at some point (hopefully upward).
The big one is to finish paying off the house by August. I'm saying by August because as of today, we have right at 46,000 left. I'm figuring, depending on the tax situation, that we should have 10K left in the Vanguard account to send to the mortgage which brings the balance down to 36,000. So 36K, we should be able to do at least 4K in extra payments a month, that's 9 months. One month left to go in 2007, so 8 months in 2008, August...tada!!!! If WW keeps their schedule on Survival Tournaments, there should be either 4 or 5 more Survival Tournaments left. If I keep on doing as well in them as I have been (averaging right around 4000 per tournament), that would be 16K in just Survival Tournaments. Add that to the other 2000 minimum we have been sending in extra payments per month (comes out to 18K), those 2 things add up to 34K, so only 2K left to come up with....LOL maybe I should be shooting for July. As long as we get it done in 2008, I will be VERY happy!!!! To think, that this time next year we will be done with the mortgage is a wonderful thought!!!!
Second goal is to have the Vanguard account at least at 30K by the end of the year.
That's it for the financial goals so far for 2008. I'm sure these will have to be readjusted at some point (hopefully upward).
November 14 and 15, 2007 Results
Didn't play too much Wednesday and didn't play at all Thursday.
Solitaire: 0
Poker: 0
Solitaire: 0
Poker: 0
Wednesday, November 14, 2007
Random thoughts
So here it is, midnight again and for the second night in a row I'm not sleeping too well. It wasn't that big of a deal yesterday because I didn't have to go to work, so I could sleep in a little. Tonight, its a problem. I'm going to try to go back to sleep after I type this, but just thought I would type a little to try to help the sleep thing.
Boy how I wish the mortgage was done. We are getting so close, down to 46.1K now.....but it really does feel like this is taking a while. I haven't gotten any good Paypal in recently, so there has been any activity actually going to Chase. Chase still shows the balance at 50.8K. I'm now waiting on 2175 from solitaire to come in and have another 400 dollars in the checking account waiting to send once there is enough in the account to send a decent payment. I don't know why I'm getting impatient with this, I just am. The solitaire is going as good as it has been and that is probably why. I shouldn't say that, it has been going as well, its just not as easy as it use to be. I lost the final round of the survival tournament, AGAIN, so that probably has something to do with the down turn that is about to happen. I'm going to lay off the solitaire for a couple of days, just play the daily tournament and the one card tournaments and that's about it. Time to make a small amount of money on tournaments that I win everytime I play them.....
After we get done with the mortgage, the plan is to setup a rather large emergency fund in the Vanguard account, enough that if for whatever reason something happens at work, we don't have to worry about it. Once that is done, I will probably be a lot happier at work. It will be nice having that security of knowing we have money in the bank and we don't owe anything. We are living on less than 2500 dollars a month now, and with 50K in the bank, it would go a very long way. Then when we actually buy that first mutual fund, that's going to be a very nice day, not to mention the day we pay cash for the next car, and then again when we pay cash for the next house. Kind of hard to imagine having that kind of money on hand, but that is defenitely where we are headed. It will be a countdown to 5 million at that point. I'll be happy with 2 million, but right now 5 million is the goal. That would provide 20K in interest a month even at 4% interest, if we can't live off of that, something is defenitely wrong or gas has gotten way more expensive than it is right now.
Not that I'm not happy now, just there is yet another big project on the way. One that will be the biggest yet. It would appear, no final actual confirmation yet, that the grant we wrote for is probably going to be approved to the tune of 12 million dollars. And, of course, Dr. G calls me tonight and says guess what, you are going to be in charge of it. I don't want to be in charge of it....LOL. Its going to be a royal pain getting this network setup. I know a lot of the hurdles I'm going to face at UMC, I can't imagine the hurdles I will face in Rural Hospital, Mississippi. This will probably entail a medical record for the entire state on the network as well. Good thing All Scripts has been started, guess I need to check to see how that is going. Its probably about to go from beta to full blown implementation.....
We got Rayman 2 today. Its pretty fun. Just doesn't seem to flow like the first one though. Maybe it will later on, we only played it for about 4 hours tonight. The bunnies in the real world back drops is rather strange. And there are bunnies EVERYWHERE. There is no way you could shoot them all.
Ok, I have to stop rambling now and head back to bed. Hopefully I won't wake Susan up. If I do, honey I love you!!!!
Boy how I wish the mortgage was done. We are getting so close, down to 46.1K now.....but it really does feel like this is taking a while. I haven't gotten any good Paypal in recently, so there has been any activity actually going to Chase. Chase still shows the balance at 50.8K. I'm now waiting on 2175 from solitaire to come in and have another 400 dollars in the checking account waiting to send once there is enough in the account to send a decent payment. I don't know why I'm getting impatient with this, I just am. The solitaire is going as good as it has been and that is probably why. I shouldn't say that, it has been going as well, its just not as easy as it use to be. I lost the final round of the survival tournament, AGAIN, so that probably has something to do with the down turn that is about to happen. I'm going to lay off the solitaire for a couple of days, just play the daily tournament and the one card tournaments and that's about it. Time to make a small amount of money on tournaments that I win everytime I play them.....
After we get done with the mortgage, the plan is to setup a rather large emergency fund in the Vanguard account, enough that if for whatever reason something happens at work, we don't have to worry about it. Once that is done, I will probably be a lot happier at work. It will be nice having that security of knowing we have money in the bank and we don't owe anything. We are living on less than 2500 dollars a month now, and with 50K in the bank, it would go a very long way. Then when we actually buy that first mutual fund, that's going to be a very nice day, not to mention the day we pay cash for the next car, and then again when we pay cash for the next house. Kind of hard to imagine having that kind of money on hand, but that is defenitely where we are headed. It will be a countdown to 5 million at that point. I'll be happy with 2 million, but right now 5 million is the goal. That would provide 20K in interest a month even at 4% interest, if we can't live off of that, something is defenitely wrong or gas has gotten way more expensive than it is right now.
Not that I'm not happy now, just there is yet another big project on the way. One that will be the biggest yet. It would appear, no final actual confirmation yet, that the grant we wrote for is probably going to be approved to the tune of 12 million dollars. And, of course, Dr. G calls me tonight and says guess what, you are going to be in charge of it. I don't want to be in charge of it....LOL. Its going to be a royal pain getting this network setup. I know a lot of the hurdles I'm going to face at UMC, I can't imagine the hurdles I will face in Rural Hospital, Mississippi. This will probably entail a medical record for the entire state on the network as well. Good thing All Scripts has been started, guess I need to check to see how that is going. Its probably about to go from beta to full blown implementation.....
We got Rayman 2 today. Its pretty fun. Just doesn't seem to flow like the first one though. Maybe it will later on, we only played it for about 4 hours tonight. The bunnies in the real world back drops is rather strange. And there are bunnies EVERYWHERE. There is no way you could shoot them all.
Ok, I have to stop rambling now and head back to bed. Hopefully I won't wake Susan up. If I do, honey I love you!!!!
November 13, 2007 Results
Another good day for solitaire, probably the last for a while.....
Solitaire: +400
Poker: +20
Solitaire: +400
Poker: +20
Tuesday, November 13, 2007
November 12, 2007 Results
Yesterday are the days I remember why I love Worldwinner so much....
Solitaire: +800
Poker: -11
Solitaire: +800
Poker: -11
Monday, November 12, 2007
47K
Yep, 4 days later, 47K is GONE!!!! Solitaire has been very good today, cashed out 500 so far today, so that has lead to the 47K mark being gone very quickly. I like it, I like it a lot!!!!
November 11, 2007 Results
Wooohooo, a dang good day in solitaire, and not too bad in poker.
Solitaire: +300
Poker: +42
The poker was in the Sunday 100K tournament with an 11 dollar buy-in. I made it to 800 out of 17,000 people.....
Solitaire: +300
Poker: +42
The poker was in the Sunday 100K tournament with an 11 dollar buy-in. I made it to 800 out of 17,000 people.....
Sunday, November 11, 2007
Friday, November 9, 2007
End of Year 1 on WW
So I missed the first anniversay on WW by 2 days, it was November 7th...whoops. But I just pulled the numbers. I cleared just over 72K during the first year. Not too bad for playing solitiare. Probably won't ever have another year quite as good as that one, but hey, it defenitely helped getting out of debt and now paying off the mortgage. Just probably isn't going to look too good on the taxes, but oh well.
November 8, 2007 Results
Solitaire: +100
Poker: -2
Yes Benji, still on the losing streak in poker, 2 more 5 dollar games with only a 3rd to show for it.
Imaginary Mortgage Balance: 47,837
Poker: -2
Yes Benji, still on the losing streak in poker, 2 more 5 dollar games with only a 3rd to show for it.
Imaginary Mortgage Balance: 47,837
Thursday, November 8, 2007
48K
48K gone!!!! Another 1000 out the door. Only 47K more.....we are getting there. 3000 marked off the board this month.
Wednesday, November 7, 2007
Tuesday, November 6, 2007
Doctor
Have to go to the doctor today...blah!!! I have 2 moles that I want to get looked at. I'm probably just being paranoid, but I would rather be safe than sorry....
November 5, 2007 Results
Another day, more profits :-)
Solitaire: +110
Poker: 0
Good to be in the positive again. I'm on the last step of getting the solitaire account to 500, so the profits from this 100 person tournament have been pretty good. Just withdrew the 70 for the 450 step, once it gets to 500, I'll take out 80 more and then just start keeping 500 in the account.
Susan and I have also been playing in the Family Feud Survival Tournament. We are actually up to level 7 at the moment, so not too bad!!!
Solitaire: +110
Poker: 0
Good to be in the positive again. I'm on the last step of getting the solitaire account to 500, so the profits from this 100 person tournament have been pretty good. Just withdrew the 70 for the 450 step, once it gets to 500, I'll take out 80 more and then just start keeping 500 in the account.
Susan and I have also been playing in the Family Feud Survival Tournament. We are actually up to level 7 at the moment, so not too bad!!!
Monday, November 5, 2007
Mortgage update
Ok, here are the latest numbers on the mortgage, haven't posted this in a bit, so I thought I would go ahead and do it.
Real balance: 50,826.84
Imaginary balance: 48,260.00
Still hoping to pay this off in either April, or May, depending on the tax situation which we should know more about in either February or March....depending on the tax situation, we might be able to pay off the last 10,000 with a payment coming from the Vanguard account. It will be sad to see the Vanguard balance that low again, but it will come with a paid off house, so that's defenitely not a bad thing!!!
Real balance: 50,826.84
Imaginary balance: 48,260.00
Still hoping to pay this off in either April, or May, depending on the tax situation which we should know more about in either February or March....depending on the tax situation, we might be able to pay off the last 10,000 with a payment coming from the Vanguard account. It will be sad to see the Vanguard balance that low again, but it will come with a paid off house, so that's defenitely not a bad thing!!!
November 3, 2007 Results - PROFITS!!!
Yeah, finally back on the winning ways. I'm trying to build up the solitaire account to 500 so that I can stop moving money back and forth, but I'm taking out bits along the way.
Solitaire: +130
Poker: -9.90
Solitaire: +130
Poker: -9.90
Friday, November 2, 2007
November 1, 2007 Results
Not much happening in Solitaire. I have hit another brick wall it would appear. I need to just let it happen instead of thinking about it....
Solitaire: 0
Poker: 0
Not a good way to start a new month....
Solitaire: 0
Poker: 0
Not a good way to start a new month....
Thursday, November 1, 2007
Mortgage Payment Again
Got to pay another big chunck of the mortgage today. Another 2925 was sent to Chase, this was the money from the Survival Tournament. This brings the extra for this month up to 6355.23.
Original Payoff House Date: January 2020 - Down 12 months
Official Payoff House Date: September 2009 - Down 1 month
Dream Payoff House Date: August 2008 - Even
Dream payoff still didn't go back down to July... I just don't understand...LOL
Original Payoff House Date: January 2020 - Down 12 months
Official Payoff House Date: September 2009 - Down 1 month
Dream Payoff House Date: August 2008 - Even
Dream payoff still didn't go back down to July... I just don't understand...LOL
Wednesday, October 31, 2007
October 30, 2007 Results
Another day, another day of no profit. Can't say no profit, I made money, but it was just the money I had lost the day before...LOL
Solitaire: 0
Poker: -11
Solitaire: 0
Poker: -11
Tuesday, October 30, 2007
Mortgage Update
Haven't had one of these in the last couple of weeks, but of course we got paid last night.
After paying the extra from the paychecks and some Paypal that had found its way into the CU account, we were able to pay another 3430.23 extra on the December payment. We also received a notice today that the big payment from the Survival tournament came into the Paypal account so there should be another payment by the end of the week that will kick the extra over 6000. Not bad in a month that we had so many extra expenses that we were worried we wouldn't be able to send that much extra.
Back to last month though, we sent an extra 8534.85 to the mortgage as well as the regular payment. It the 3rd highest amount of debt we have paid off since March (when I started keeping track).
Ok, for the dates:
Original Payoff House Date: January 2021 - Down 16 months
Official Payoff House Date: October 2009 - Down 1 month
Dream Payoff House Date: August 2008 - Up 1 month
The Dream Payoff House Date went up one month because its set at 6000 extra a month and we've only been able to pay what we had in the CU account at the moment. Hopefully, with the next Paypal coming very soon, that will go back down to July 2008.
After paying the extra from the paychecks and some Paypal that had found its way into the CU account, we were able to pay another 3430.23 extra on the December payment. We also received a notice today that the big payment from the Survival tournament came into the Paypal account so there should be another payment by the end of the week that will kick the extra over 6000. Not bad in a month that we had so many extra expenses that we were worried we wouldn't be able to send that much extra.
Back to last month though, we sent an extra 8534.85 to the mortgage as well as the regular payment. It the 3rd highest amount of debt we have paid off since March (when I started keeping track).
Ok, for the dates:
Original Payoff House Date: January 2021 - Down 16 months
Official Payoff House Date: October 2009 - Down 1 month
Dream Payoff House Date: August 2008 - Up 1 month
The Dream Payoff House Date went up one month because its set at 6000 extra a month and we've only been able to pay what we had in the CU account at the moment. Hopefully, with the next Paypal coming very soon, that will go back down to July 2008.
October 29, 2007 Results
Ok, another not so good day in solitaire. I made back the losses earlier in the day, but didn't make any money overall. I made more in poker yesterday than I did in solitaire, not good!!!
Solitaire: 0
Poker: +11.50
Imaginary Mortgage amount: 50,836
Solitaire: 0
Poker: +11.50
Imaginary Mortgage amount: 50,836
Monday, October 29, 2007
November Goal
Ok, all the personal financial blogs I have been reading have been saying that you need monthly goals. So my goal for this month is to get the mortgage balance down to 45K. Right now its in the 50.9K range, so that would be another 5,000 off. That would be about 2800 in solitaire winnings, hopefully that will be possible. Hopefully, I will win the last round of the Survival and then I will just blow it out of the water and we will be below 40K before the end of the month....LOL
October 28, 2007 Results
Just a blah day yesterday, only made 50 dollars in solitaire:
Solitaire: +50
Poker: 0
Imaginary mortgage balance: 50,911
Solitaire: +50
Poker: 0
Imaginary mortgage balance: 50,911
Sunday, October 28, 2007
51K
Yep, Igot to mark the 51K off the board today. That makes 10 mark offs this month :-) We are now sitting in the 50K and haven't been able to get rid of 10K of the mortgage this month. Defenitely not too bad.
October 27, 2007 and October 28, 2007 Results
We were up at Susan's parents house this weekend so I didn't get a chance to play that much this weekend so not too good of results.
October 27:
Solitaire: 0
Poker: 0
October 28:
Solitaire: +50
Poker: -20
Imaginary balance: 50,984
October 27:
Solitaire: 0
Poker: 0
October 28:
Solitaire: +50
Poker: -20
Imaginary balance: 50,984
Friday, October 26, 2007
October 26, 2007 Results
Another decent day in the solitaire world.
Solitaire: +175
Poker: 0
Going to start putting the imaginary mortgage balance on here as well (just an FYI about this if you start doing the math, we send 10% of everything we win to a Vanguard account for taxes. This will probably raise back to 33% once we get the statement back from the accountant and what he wants us to do):
Imaginary Mortgage Balance: 51,029
Solitaire: +175
Poker: 0
Going to start putting the imaginary mortgage balance on here as well (just an FYI about this if you start doing the math, we send 10% of everything we win to a Vanguard account for taxes. This will probably raise back to 33% once we get the statement back from the accountant and what he wants us to do):
Imaginary Mortgage Balance: 51,029
Thursday, October 25, 2007
October 24, 2007 Results
Waiting on opponent on the 2000 dollar game, will be for a while...
Solitaire: +100
Poker: 0
Solitaire: +100
Poker: 0
53K and 52K
Forgot to mention that with the survival tournament winnings, both 53K and 52K went out with a flash. We are down to 51,210 as of this morning :-)
Wednesday, October 24, 2007
October 23, 2007 Results
Very nice results from yesterday and finishing up the Survival Tournament.
Solitaire: +2700
Poker: 0
Solitaire: +2700
Poker: 0
Tuesday, October 23, 2007
Survival
Well, the Survival Tournament is now over for me. Yes, its only half way but I'm done. I manged to make it to the 2000 level the first half of the tournament so I'm done with the tournament, I just have to wait for the second half for someone to come and play me. I'm happy in the regard that I have taken away 3900 so far from this tournament and can possibly win 2000 more. I'm sad in the regard that I have to wait for the next Survival Tournament now.....
DDR
Ok, if you haven't ever played Dance Dance Revolution, I have to say, YOU DON'T KNOW WHAT YOUR ARE MISSING!!!! I had seen DDR before, but have never even come close to thinking about playing it. Then, I read a blog about losing weight playing DDR, and mentioned it to Susan. She said, why don't we go pick it up for the Wii tonight. So we did. We played that thing all night long except for the brief break to watch How I Met Your Mother and The Big Bang Theory (funniest show ever!!!). After those were over, we ended up taking turns dancing until 11:30pm. I can't wait to get home!!!! It is a blast!!!!
October 22, 2007 Results
Not a good day in solitaire, but not a bad day either. I'm stuck at the 120 level again, so that's a good thing :-)
Solitaire: +150
Poker: 0
Solitaire: +150
Poker: 0
Monday, October 22, 2007
Sunday, October 21, 2007
54K
Yep, 2 days later, 54K is gone!!!! I love me a Survival Tournament, and this would be why :-) That and some other one card tournaments have made for some very nice profits the past couple of days. Its looking more and more like we can be done with the house by May, if not even April.
October 20, 2007 Results
Another good day in the Survival and I actually placed in two poker tournaments, a first and a second :-)
Solitaire: +350
Poker: +25
Solitaire: +350
Poker: +25
Saturday, October 20, 2007
October 19, 2007 Results
Any day of Survival Solitaire. Not as good as yesterday, but some of the other tournaments paid off well.
Solitaire: +225
Poker: -11
Solitaire: +225
Poker: -11
Friday, October 19, 2007
55K
Well, I was able to mark 55K off the imaginary list today. With the 175 in Survival money that has been won today, the imaginary balance left on the mortgage is now in the 54K range.
Woo!!!
Woo!!!
New plan
Ok, Susan and I have a new plan once the house is paid off....
1. We will fund the Vanguard Money Market account until it hits 40K.
2. Put the next 30K in 3 index/mutual funds at a rate of 10K a piece. Funds yet to be determined.
3. Put 50K more in the Vanguard Money Market account in preperation of purchasing a new house.
4. Put the next 30K in 3 more index/mutual funds at a rate of 10K a piece. Funds yet to be determined.
5. Put the next 50K in the Vanguard Money Market account in preperation of purchasing a new house. We are able to purchase the house whenever we want after this step.
6. Continue to buy index/mutual funds or increase the funds that we currently hold.
1. We will fund the Vanguard Money Market account until it hits 40K.
2. Put the next 30K in 3 index/mutual funds at a rate of 10K a piece. Funds yet to be determined.
3. Put 50K more in the Vanguard Money Market account in preperation of purchasing a new house.
4. Put the next 30K in 3 more index/mutual funds at a rate of 10K a piece. Funds yet to be determined.
5. Put the next 50K in the Vanguard Money Market account in preperation of purchasing a new house. We are able to purchase the house whenever we want after this step.
6. Continue to buy index/mutual funds or increase the funds that we currently hold.
October 18, 2007 Results
Someone finally played my 250 dollar Survival game. I ended up winning by a good bit. Then came the 750 dollar game. Unfortunately, I ended up losing it by a good bit...LOL. The good news is that the tournament is only a 1/4th of the way over and I've already won 698 dollars on it. Not too bad.
Solitaire: +300
Poker: 0
Solitaire: +300
Poker: 0
Thursday, October 18, 2007
Survival News
And in Survival News, I'm still stuck at the 250 level. Since its bowling night, I might still be stuck there tomorrow...LOL
Investing
Susan and I have been on the phone with each other for the past hour or so talking about investing. What kicked it off was a question she had about justifying paying off the mortgage instead of investing the money. From what I can tell, since we are paying off the house so fast, we are saving just about the same amount of money in interest than we would if we would have invested that money instead. And, in fact, I don't really care about that. I care more about knowing that the house we are living in is ours!!!! It really is more of a security thing than anything else. If someone could show me where we could make 20,000 dollars more if we invested the extra money instead of paying off the house now, I would have to tell them that isn't really worth it. It really is worth 20K to me knowing that I own my house and the mortgage company can't come simply take it away.
Then we started talking about the different funds and how they work. We really are looking at doing index funds and trying to figure out exactly what the numbers mean. Like when it says the fund has made 8% over the past 10 years, does that mean it has made 8% ever year over 10 years or that it has made a total of 8% in 10 years. Very confusing. I'm really thinking its the average of 8% for 10 years, but I really need to do more research. I think they really do a lot of the same things the computer industry does, make it so alien to everyone else, that you really do have to have an expert to make this stuff make any sense. Maybe we really do need to go sit down with a financial adviser...I don't know....
Then we started talking about the different funds and how they work. We really are looking at doing index funds and trying to figure out exactly what the numbers mean. Like when it says the fund has made 8% over the past 10 years, does that mean it has made 8% ever year over 10 years or that it has made a total of 8% in 10 years. Very confusing. I'm really thinking its the average of 8% for 10 years, but I really need to do more research. I think they really do a lot of the same things the computer industry does, make it so alien to everyone else, that you really do have to have an expert to make this stuff make any sense. Maybe we really do need to go sit down with a financial adviser...I don't know....
Mortgage update
Got in enough Paypal over the past couple of days and the 300 dollar refund from Reed Realty to pay another 1468.77 to Chase this morning. This brings the month to date total to 8534.85 that has been sent to Chase. They can't be very happy with us this month.
So here are the new dates:
Original Payoff House Date: May 2022 - Down 6 more months
Official Payoff House Date: November 2009 - Down 1 month
Dream Payoff House Date: July 2008 - Down 1 month
Getting closer and closer. The new official balance is down to 57,388.06.
So here are the new dates:
Original Payoff House Date: May 2022 - Down 6 more months
Official Payoff House Date: November 2009 - Down 1 month
Dream Payoff House Date: July 2008 - Down 1 month
Getting closer and closer. The new official balance is down to 57,388.06.
Wednesday, October 17, 2007
October 17, 2007 Results
Played a bit of poker, didn't do to well , that's what happens when your pocket aces go down to pocket eights all in when an 8 hits on the river. Yes, that was a WAAAA!!!
Survival Touranment is still going on, I got to play 2 games in it today, was stuck until mid day at 50, made it to the 120 level, got stuck there until about 9pm, won that level, now I'm stuck at the 250 level.
Solitaire: +175
Poker: -11
Survival Touranment is still going on, I got to play 2 games in it today, was stuck until mid day at 50, made it to the 120 level, got stuck there until about 9pm, won that level, now I'm stuck at the 250 level.
Solitaire: +175
Poker: -11
October 16, 2007 Results
Survival tournament continues in Solitaire. I'm stuck at the moment at the 50 dollar level.
Solitaire: +150
Poker: 0
Solitaire: +150
Poker: 0
Tuesday, October 16, 2007
House and Marriage
So we are actually starting to get pretty close to the end for the debt. The imaginary amount left on the house is now down to 55,824 after yesterday's solitaire and we had the deposit back from the beach house that we rented for our Anniversary, which was a nice surprise in the mail yesterday. I figured it would take them close to 2 months to send it back, and it only took them less than 2 weeks. If any of you want to rent a beach house in the Ft. Morgan / Gulf Shores area, I would highly recommend Reed Realty. They were super nice and answered any questions we had very quickly. To say the least, we had a great time. Hopefully, the next trip will be to Disney, but I'm sure we will have another weekend down at the coast first.
We had planned on going to Disney in April, but with it looking like we can possibly pay off the house in either April or May, I voted to postpone the trip again. I just can't imagine having to save for another trip with us being so close to being done with the house. Not to mention that I really want to be able to enjoy Disney completely debt free. That will be one great day. :-)
The other thing we have started to talk about is what we are going to do with the money after we are done with the house. We are planning to buy another house sometime, maybe in the 150K range so we don't have to write that big of a check. The other thing we are planning on doing is starting to invest. From reading other blogs and a couple of millionare books, it looks like we are going to be doing some mutual funds and maybe look at buying into the different index funds at Vanguard. Susan and I are still in the planning phase for that, but since we normally take a good 6 months to decide on any major purchase anyway, so the time between now and payoff will be used to decide exactly what we want to do with the money.
More to come later....
We had planned on going to Disney in April, but with it looking like we can possibly pay off the house in either April or May, I voted to postpone the trip again. I just can't imagine having to save for another trip with us being so close to being done with the house. Not to mention that I really want to be able to enjoy Disney completely debt free. That will be one great day. :-)
The other thing we have started to talk about is what we are going to do with the money after we are done with the house. We are planning to buy another house sometime, maybe in the 150K range so we don't have to write that big of a check. The other thing we are planning on doing is starting to invest. From reading other blogs and a couple of millionare books, it looks like we are going to be doing some mutual funds and maybe look at buying into the different index funds at Vanguard. Susan and I are still in the planning phase for that, but since we normally take a good 6 months to decide on any major purchase anyway, so the time between now and payoff will be used to decide exactly what we want to do with the money.
More to come later....
October 15th Results
It was the beginning of the Survival Tournament and that usually means pretty good results.
Solitaire: +400
Poker: 0 (Didn't play any due to Survival Tourney)
Solitaire: +400
Poker: 0 (Didn't play any due to Survival Tourney)
Monday, October 15, 2007
Survival Tournament
Its that time again!!! Its Survival Tournament time again in the Solitaire Rush. Hopefully I will do as well as I have been doing in them. It would be nice to pay another 3000 on the house after just one tournament and a couple of weeks.
In imaginary news, after doing the November budget and seeing that we can send another 1293 to Chase after we get paid October 30th, the imaginary mortgage balance is down to 56,349. Not too shabby. Hopefully before the end of this tournament, that will be down in the 53K range. Very nice :-)
In imaginary news, after doing the November budget and seeing that we can send another 1293 to Chase after we get paid October 30th, the imaginary mortgage balance is down to 56,349. Not too shabby. Hopefully before the end of this tournament, that will be down in the 53K range. Very nice :-)
October 14th Results
Played in a rather large 11 dollar tournament on PokerStars, 11 dollar entry fee, top payout was well over 18,000. I ended up in 873 but made 55 dollars off of it, so a nice 44 dollar profit. So my poker account is back over 200 dollars again...LOL
Solitaire: +225
Poker: +44
Solitaire: +225
Poker: +44
Sunday, October 14, 2007
October 13, 2007 Results
Well blah, not too good of a day, but it is what it is. Pretty much just stayed even in solitaire and poker.
Solitaire: 0
Poker: +2.50
Solitaire: 0
Poker: +2.50
Saturday, October 13, 2007
October 12th
Decent day in Solitaire. Not so much in poker.
Solitaire: +100
Poker: -22
Yep, here we go on the down swing on poker. Sad when you go all in with an AK and someone calls you with 87, flop comes AK8....I thought great flop, just don't get another....oh wait, there's the turn, yep 8. Now that sucks!!!!
Solitaire: +100
Poker: -22
Yep, here we go on the down swing on poker. Sad when you go all in with an AK and someone calls you with 87, flop comes AK8....I thought great flop, just don't get another....oh wait, there's the turn, yep 8. Now that sucks!!!!
Friday, October 12, 2007
House and such
So I'm getting excited that we are actually starting to get close to paying off the house. Excited enough that I have postponed the trip to Disney again.... The imaginary total (call it this because it includes the solitaire money won, but that hasn't been paid to us yet) is down below 58K today. It hit the 57Ks this morning when I was able to take out another 100 on the solitaire.
This really has me excited, and I'm also really excited about the possibility of getting a million in the bank. Yep, forget everything else, let's just skip to the million. Don't get me wrong, there is going to be celebrations all along the way, but as soon as we hit that first million, and I have no doubt we will, that will be a very good day. And then we hit the 2nd and 3rd million, that will be even better. If we can get that 3rd million in less than 20 years, I will be very very happy and will be able to retire. I have no idea if we are going to be able to make this happen, but for some reason, I truely believe we will. Just think, 3 million in the bank, 5% intrest....net 150K a year. And for what, for doing absolutely nothing, just letting money sit in an account :-)
This really has me excited, and I'm also really excited about the possibility of getting a million in the bank. Yep, forget everything else, let's just skip to the million. Don't get me wrong, there is going to be celebrations all along the way, but as soon as we hit that first million, and I have no doubt we will, that will be a very good day. And then we hit the 2nd and 3rd million, that will be even better. If we can get that 3rd million in less than 20 years, I will be very very happy and will be able to retire. I have no idea if we are going to be able to make this happen, but for some reason, I truely believe we will. Just think, 3 million in the bank, 5% intrest....net 150K a year. And for what, for doing absolutely nothing, just letting money sit in an account :-)
October 11, 2007
Another good day on Solitaire. I'm really liking the tournaments with low entry fees, lots of people, and some pretty good pay outs.
Total won yesterday:
Solitaire: +490 (I must have missed a 10 dollar deposit, really thought it was 500)
Total won yesterday:
Solitaire: +490 (I must have missed a 10 dollar deposit, really thought it was 500)
Thursday, October 11, 2007
October 10, 2007
Pretty good day in solitaire yesterday. I cleared 250 dollars total, this brings the month to date up to 1375. The vacation defenitely did a lot of good as far as the solitaire goes. I can see everything again. I laugh at this statement, but its true. Before the vacation I was having to think about what I was doing when it came to playing the solitaire, now I don't think, I just do. Its pretty nice being back in that place again. Good excuse to take another vacation too.....
I didn't have time to play any poker last night so yesterday's numbers were:
Solitaire: +250
Poker: 0
I didn't have time to play any poker last night so yesterday's numbers were:
Solitaire: +250
Poker: 0
Yeah!!! Mortgage Update
The Paypal made it into the Credit Union account this morning so I was able to send some money to Chase. I sent 100 dollars to the Vangaurd Account (this is where the tax money goes until we have to pay the government) and was able to send the other 905 to Chase. This payment brings the official total down to 58,856.83. Unforunately, the dates haven't changed much, but they are still going down.
Offical Payoff House Date: December 2009
Original Payoff House Date: January 2023
Dream Payoff House Date: August 2008
Offical Payoff House Date: December 2009
Original Payoff House Date: January 2023
Dream Payoff House Date: August 2008
Wednesday, October 10, 2007
Blah
Stayed up way too late again last night watching West Wing. Must get some sleep, and it doesn't need to be at work!!!!
Good thing is I have been able to withdraw 150 so far from WW today after some of the solitaire games closed from last night. I need to remind myself to stay away from the 25 dollar entry fee games, I would have had more if not for that durn tournament!!!!
Still no activity in the Credit Union account so I can't send a payment to Chase. Paypal needs to hurry up!!!
Good thing is I have been able to withdraw 150 so far from WW today after some of the solitaire games closed from last night. I need to remind myself to stay away from the 25 dollar entry fee games, I would have had more if not for that durn tournament!!!!
Still no activity in the Credit Union account so I can't send a payment to Chase. Paypal needs to hurry up!!!
Tuesday, October 9, 2007
Post 2
As of right now, we have an extra 45.45 to send to Chase for an extra house payment. There is another 1000 coming via Paypal in the next couple of days, so hopefully the money will be in the Credit Union account before the end of the week and I'll be able to update the official countdown to pay off Chase day. As of right now, the official countdown date is December 2009. This is based on sending Chase an extra 2000 per month on top of our normal house payment.
If we went back to just paying the normal payment, the payoff would be May 2023, not that would ever happen, it would have to be a very extraodinary circumstance that would make us go back to just paying the regular house payment.
Then, there is the dream payoff, which includes some very serious solitaire playing and winning to where we somehow pay 6000 extra per month on top of our regular house payment. That payoff is August 2008.
Official payoff house day: December 2009
Original payoff house day: May 2023
Dream payoff house day: August 2008
If we went back to just paying the normal payment, the payoff would be May 2023, not that would ever happen, it would have to be a very extraodinary circumstance that would make us go back to just paying the regular house payment.
Then, there is the dream payoff, which includes some very serious solitaire playing and winning to where we somehow pay 6000 extra per month on top of our regular house payment. That payoff is August 2008.
Official payoff house day: December 2009
Original payoff house day: May 2023
Dream payoff house day: August 2008
Solitaire, Poker, and Marriage
Hi. My name is Greg, I'm 34 (actually having to do the math on that one, its tough) live in Mississippi and recently got married to the most perfect woman. Ok, maybe she isn't perfect, she is perfect for me, and that's all that counts. And she has a pup. He's a bad pup though.
After reading some of the money blogs, I thought I might blog a little about myself. So you are probably thinking, what kind of title is Solitaire, Poker, and Marriage. Well, that would be the 3 ways I make money besides work. Now you are probably thinking I am crazy, but its true.
First, solitaire. There is this nice little site called World Winner where you can basically play solitaire against other people (they have a ton of other games as well, I'm just good as solitaire though) and if you are good enough, you can make some money. Don't get me wrong, most people on the site lose money, but so far year to date I've made just over 63,000 playing solitaire. Not too bad considering that is more than I make from work.....
The second doesn't really make me any money, it is just a distraction. Poker is fun, Texas Hold'em to be precise. I just love the game, it can catch my interest very quickly and pull me in. I just don't win any money doing it. I break even, pretty much all the time. I might go for days winning, and then bam, a down turn and there goes the profit.
Third, marriage. I know what you are thinking on this one, there is no way marriage can make you money. I would have to beg to differ, clearly you haven't met my wife. She can make a dollar go further than most humans can make ten dollars go. She really is amazing on the money front. When we first got married, I came into the marriage with nothing to show but 57,083.46 cents in debt. Not a pretty sight. Susan pretty much said, we'll face it together and then we can look at the 78K that she still owed on the mortgage before we got married. So a year later, a lot of Ebay and some solitaire money later, we are completely out of debt and have 59,761.83 left to go on the house. Not too shabby for just having our first year anniversary on September 30th.
So most of my updates will be about the daily results from solitaire, some will be about poker if I actually play any hold 'em on any given day, and then there is the marriage, the best part.
Anyway, so much for the first post.
After reading some of the money blogs, I thought I might blog a little about myself. So you are probably thinking, what kind of title is Solitaire, Poker, and Marriage. Well, that would be the 3 ways I make money besides work. Now you are probably thinking I am crazy, but its true.
First, solitaire. There is this nice little site called World Winner where you can basically play solitaire against other people (they have a ton of other games as well, I'm just good as solitaire though) and if you are good enough, you can make some money. Don't get me wrong, most people on the site lose money, but so far year to date I've made just over 63,000 playing solitaire. Not too bad considering that is more than I make from work.....
The second doesn't really make me any money, it is just a distraction. Poker is fun, Texas Hold'em to be precise. I just love the game, it can catch my interest very quickly and pull me in. I just don't win any money doing it. I break even, pretty much all the time. I might go for days winning, and then bam, a down turn and there goes the profit.
Third, marriage. I know what you are thinking on this one, there is no way marriage can make you money. I would have to beg to differ, clearly you haven't met my wife. She can make a dollar go further than most humans can make ten dollars go. She really is amazing on the money front. When we first got married, I came into the marriage with nothing to show but 57,083.46 cents in debt. Not a pretty sight. Susan pretty much said, we'll face it together and then we can look at the 78K that she still owed on the mortgage before we got married. So a year later, a lot of Ebay and some solitaire money later, we are completely out of debt and have 59,761.83 left to go on the house. Not too shabby for just having our first year anniversary on September 30th.
So most of my updates will be about the daily results from solitaire, some will be about poker if I actually play any hold 'em on any given day, and then there is the marriage, the best part.
Anyway, so much for the first post.
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