I signed all the paper work on Friday so the refi is officially done. The new budget looks really good and I start the new payments on the house in July. I hope since the same people are carrying the loan, I can pay a little early and get one month ahead on the payment. I’m working that idea of paying at least on month ahead on my re-occurring bills, so that even if the banks shut down for a couple of weeks or a month. I will have a at least a 30 day buffer to make plans and figure out what to do just in case! I was a bit complacent until Cyprus happened and I thought about how I would pay my bills if I had no access to my accounts. How do you pay your bills if you can’t write a check, use a debit card or pay over the internet via an auto- pay? I can pay a few smaller bills via cash by going into the local office but most bills are auto pay or go over the internet. If you have to pick and choose which bills to get ahead on I would choose the ones that you can’t pay locally first and then the ones on auto pay even if they are local. Late fees can add up very fast and you don’t need to deal with that in the middle of a banking/financial crisis!
I have splurged a bit on a few items I have wanted, but didn’t seem critical. I ordered the little Zodi propane hot shower with battery pump for just $90.00 at Sportsmansguide.com. True Value Hardware store has the big 5 gallon Igloo drink cooler for $19.95 so I got another one for cold/ice water to go along with the one I will use as a Hot water storage tank if the grid goes down for a few days or more. I took that plain little tap for granted until my water test last year and I will do everything I can to make moving and using water as easy as possible! Water is one of the most critical items for survival and I think many people in the USA just assume there will always be safe, clean drinking water on demand. Almost every disaster we have seen in the last few years has proven that idea to be untrue.
I’m trying to discipline myself on spending. For me that has been a bit difficult as I have held back on spending because of my budget. I feel as if I hit the lottery with just the small bit of cash I now have and did not plan how to spend. I don’t think I have spent my money foolishly and I got plenty to show for what I have spent. It is all to easy to get carried away on getting stuff until you have spent all my cash. I suppose it shows why having a credit card is terrible for me, as I would keep spending until I was forced to stop! So I put a bit of cash back for emergencies and got a few “want to have” items. No more spending for me until I get my check in June and see how the new budget works out.