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Archive for October, 2020

my purchases thus far

October 14th, 2020 at 07:33 pm

It's been an interesting couple of days. I mentioned prime day and I've bought quite a few things.

1. $199 Roomba from Amazon - wasn't on the list but something DH and I have tossed around since covid and we can run it since we are home all the time.

2. Secura Spice Grinder - amazon flash sale $34.95 unsure if I'm keeping this one of the cuisineart one from BBB.

3. Breville Toaster Oven - BBB $319 with $50 credit for future purchase (important for deciding on spice grinder) with 20% coupon

4. HB 12 cup food processor - $50 Target

5. Mini Processor - Target $9.99

Deciding on

1. Slow cooker $39.99 Target Crock Pot Cook and Carry
2. HB 7 qt slow cooker $44.99 BBB (also need 20% coupon)
3. Cuisineart Juicer/blender/processor $199 but also want 20% off coupon
4. 23 and Me $99 or Ancestry $49
5. Cuisinart Spice grinder $39.99 BBB but need 20% off coupon

I'm unsure if I need a juicer/blender/processor combo. I already have a blender though that I do use and I could get rid of and it'd be nice to have a juicer but is it worth the space?

For us it's more a space issue for everything. I am replacing our toaster oven that we use all the time almost daily. Can't wait because the breville is an AIR FRYER. Everyone swears by it. I can't wait for a bigger slow cooker since I use mine at least 1x/week. I use the food processors a lot in general no questions asked I cracked the bowl on my last one and I've been still using it. But waiting until a deal happened.

Q3 and September Wrap

October 6th, 2020 at 10:00 pm

Interesting year. We are up out networth by about $290k. We are down in debt so far by $26k for the year (paid off car loan which was $12k at start of 2020). We drive paid for cars as of this month. Refied our mortgage from 7/1 arm at 3% till 2024 to 27 year fixed at 2.875% for $900. Breakeven point is in 9 months. We plan on sticking it out for 3 years.

Our assets are up $265k for the year between saving and investments. I'm thinking we'll end the year up around $300k if everything goes right.

We ended up moving everything to Merrill Lynch and not going through with our refinance. Instead Chase gave us a too good to be true no cost refi so we stayed with them and they lowered and fixed our rate. But I moved our taxable account and 2 roth IRA to Merrill lynch and now I decided I might as well wait and earn $1000 per account for moving the money and leaving it there for 6 months. Then I'll go back to Ameritrade. I don't like the ML platform and I find it more cumbersome and less updated.

I'm waiting for prime day not necessarily to shop with amazon. But rather see what deals I can get.

things i am shopping for
1. Food processor - need 10 cup/4 cup it's broken and I'm borrowing a neighbors 10 cup
2. Breville Toaster oven - want for the right price
3. large crock pot - need, mine can't easily do a lot of the cooking i'm doing.
4. roomba - want for the right price

these are the things I'm looking for next week. I have no idea if they will be a good deal or maybe I wait until Black Friday. But I definitely need a bigger crockpot. I'm making yogurt now and it's too small for a gallon of milk my 5Qt pot. The food processor well I use it a ton and am borrowing one.

I was going to buy an instapot but a friend said they'd give me theirs since they never use it. Guess I'll get it soon enough!

Funny I never though I'd be the type of person to be waiting and really make a list and think carefully about what I needed. Usually I just don't buy it and if I really want it or it becomes extreme (like my broken dyson vaccuum cleaner) I just go buy it then and there. I needed a vaccuum cleaner and I wasn't going to wait. I went straight to costco and returned the broken one and bought a new one. I use it 2-3x/day and no way can I live without one. Somethings aren't worth trying to live without.