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Wedding Woes
kvruns
member
Cinco de Mayo on WEDNESDAY
in Wedding Woes
Good morning. I know Cinco de Mayo is an American not a real holiday. But I think there are usually some deals at restaurants
Re: Cinco de Mayo on WEDNESDAY
I plan to go in once a week or so now that my busiest season is starting so I can get some more focus time, especially if the office remains pretty quiet.
It's a colder day today, but the sun is back!! I'm making enchiladas for dinner tonight.
We went to our Scouts meeting at the library and when we got in there, DefConn asked for his library card so he could go 'shopping'.
SSDD otherwise. Hoping DH feels like a new man after getting some rest.
THEN i got a phone call that a kiddo in G's classroom tested positive for COVID so he is now home with us likely for 2 weeks. H has a huge presentation tomorrow to prep for and this is my busiest week of the quarter. Not that it's ever good for anyone to get COVID but yikes this week is just the worst timing. We're going to get him tested again poor thing (even though my recent test was negative) since he's been stuffy and sniffly since last weekend - no fever though. UGH i'm ready for this pandemic crap to be done!!!!
They have other days with great specials and I am excited to go back. On Wednesdays, it is all you can eat tacos and all you can drink margaritas for $24. On Sundays, they have a brunch buffet for only $16 and you can add bottomless mimosas for another $10. Two of the things on their brunch menu were chorizo frittatas and "avocado toast", but with tortillas instead of bread.
As such, we probably aren't doing anything for Cinco de Mayo. Which is just as well. It started pouring rain last night and will be horrible weather all day. My dog Izzy was afraid, so I didn't get a very good night's sleep because I kept giving her snuggles. But now I am super tired! At least tomorrow and through the weekend, it's supposed to be sunny and great.
Edited to add: @Casadena, that is a horrible start to the day! I hope it goes smoother from here. Good luck to G. Hopefully his test comes back negative. But that is awful timing he needs to stay home this week, while you and your H are so extra busy.
@mrsconn23 I legit felt like I had the flu after my second Moderna shot. I had a low grade fever, chills, body ache, and no appetite for about 48 hours after my shot. Two days later I woke up feeling absolutely fine.
Another day of crappy weather. WFH today, which is terrible for my motivation. We do 3 days in office, 2 days at home (W/F) but I think I'm going to start going into the office on Wednesdays to keep me accountable.
We did get her a PCR test because she and DH had the sniffles and both were negative but the school does not accept a negative PCR as allowing her to return. I respect the caution but am glad she was diligent last week. Freedom is back!
I need to get something for Chiquito's tutor today. It's teacher appreciation week and she can be credited SO MUCH for his progress. I can't ignore it and she deserves a beer bouquet.
DH told me he talked to his dad about BIL's upcoming visit and I'm HUGELY grateful that he's set the tone that we really feel strongly that we are not really warm to the concept of the visit out here turning into a multi-stop visit increasing viral exposure, that we're REALLY not OK if they're not vaccinated and we do have to consider the health of our two unvaccinated kids. While they *should* be fine if they get covid, it also could make for huge problems if they get it up to and including a rather expensive vacation we have planned.
DH and I have taken many precautions throughout Covid, haven't even gone to church except 1 time for an intimate funeral and are diligent about mask wearing for us and our kids. We're traveling with vaccinated people to a location diligent about masking. I am apprehensive that this turns into a family blow-up.
We made an agreement that mothers day/fathers day isn't going to be an "oh let's give fancy gifts!" kinda deal. More lowkey and as if BK gave it to us.
{side note - we did this because mothers day in May, fathers day in June, M's bday in July, our anniversary in August and my bday in September}
I'm currently hunting to see if I can find a matching shirt for M & BK, because I found a shirt for BK in Ghostbuster logo. Plus I'm getting M a BBQ cleaner. Not a bristle one - it's a neat wood one that as you use it, it burns the rails into it.
M is getting his #2 today, Pfzier, so we’ll figure out if we’re getting together (hopefully for Mexican food) tonight all on how he feels. I’m sure I’ll have mexican food for lunch here at work anyway.
I get my tax return basically tomorrow {direct deposit}
I'm debating on putting what's basically 60% towards my student loan - which would drop it by 60% also.
Then I could manage to get the rest down in about 6-ish months.
Downside - I'd only have a small towards savings.
Upside - student loan gone. And what I was paying towards that, could go to something else {unfortunately not savings yet - I have other things to pay off}
Thoughts?
Also - would you put the typical student loan payment towards the higher debt, or lower debt?
I've been sleepy all week. I think it's because I'm finally getting decent sleep and that bank has been overdrawn for awhile. No big news really, just trying to work hard and relax at home.
What I don't put towards student loan, would be into savings. I've hit savings a bit recently, so I even a small amount would be great.
Sounds amazing @short+sassy
Hugs @levioosa
My cinco de mayo pet peeve is when Trumpers wear sombreros and go big celebrating. As someone who’s never chanted about building walls, however, I’m looking forward to the enchiladas I have ready to go for later- half topped with salsa verde and half queso blanco. Everything is made but the cheese sauce which can’t really be made in advance.
Edit bc TK posted this before I was finished
I assume your student loan has a fairly low interest rate. Especially if some of the other debt you mention is credit card debt.
Dave Ramsey's "snowball" method for paying off debt is pretty wise. If you haven't already heard of it, here is the gist of how it works (I'm making up numbers):
--Student loan - 7% interest - min. payment $100 -- balance $5,000
--'CC 1 -- 20% interest - min. payment $50 -- balance $3,000
--'CC 2 -- 15% interest - min. payment $30 -- balance $2,000
You have $200/month extra to put toward debt (after already meeting minimum payments).
1. Make minimum payments on student loan and 'cc 2. Put extra money toward 'cc1 debt because it has the highest interest rate, ie $250/month toward paying this 'cc down.
2. Once 'cc1 is paid off, do the same thing for 'cc 2. Now you have $280/month to pay it down.
Rinse and repeat until your debt is paid off.
But don't put paying down debt faster, ahead of having a healthy savings and contributing to a retirement plan. Money has a huge time value, especially if you are talking about decades. $100 put into a retirement plan today for someone who is 30, will have 35 years to exponentially increase. The longer people wait to start, the harder it is because they have lost that value of time.
Though you also don't want decades of paying 15-20% on perpetual credit card debt, lol. That's when time works against you.
The biggest takeaway is people should be mindful of their spending and their budget. Income consistently outpacing spending, even if it isn't by a lot at first, can move mountains.
But my debts are {approx amounts}
Loan 1 - $3,000
Loan 2 - $9,000
Keep up the good work! It's always so satisfying to get a chunk of money and knock out more debt and/or bulk up savings.
Nothing much else going on. H and I are supposed to go to visit his sister this weekend (she lives at the beach.) MIL decided to go also. For some reason she decided to fly here and ride with us on the 5 hour road trip, rather than just fly to SIL's town. Traveling with MIL is a nightmare, and she constantly fights with SIL. H and I had a conversation last night about the reality that I'll still need to work quite a bit there, and how would he feel if I begged off. I'm surprised, but he was really supportive of me staying behind. I'm still on the fence, leaning toward staying here, but FOMO.
Good luck to your FI. I'm sorry to hear he some bad things going on with his health.