Thankful

There is so much to be thankful for this time of year; every moment of each year really.  As I sit and write this and reflect on the many joys I am thankful for I witness the natural world unfold before my very eyes.  I’m greeted by a warm and welcoming sun. Continue reading

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Why I Fired My Bank

Recently, after doing business with a large, well-known financial institution for several years, I decided to end our relationship.  One of us wasn’t living up to the others expectations.  So, after ten years of banking at the same place I decided to move my accounts elsewhere.  To fully understand my decision, I need to give you a little background. Continue reading

Homeownership Costs Reduced, Again

I’ve been very fortunate with the experiences I’ve had with buying my first foreclosure property and all of the savings in housing costs that came with it.  Honestly, I think the decision to purchase this property ranks a close second to my decision to pay off all my debt a few years ago.  The difference in cash flow alone has been huge.  Last week I received my property tax bill and was delighted to find that it had been lowered from last years bill by a little over $600.00.

When I covered housing costs in a previous post, it’s easily noticeable that  property taxes were by far my biggest expense in homeownership, to have this expense reduced is a trend in the right direction.

To be fair, I also need to report that I had an increase in my insurance premium for the year by $169.00.  This reduces the overall savings gained from the reduced property tax, but is still an overall savings in my favor.  I’m currently looking at options to have my insurance premium reduced.

A short and sweet post today, just trying to get back into the groove of writing.  There is still much I want to share…