June 2017 Net Worth:+$2,790

Unexpected money found in May:

Interest earned on checking/savings accounts: $11.05

Refunds: $7.99 on a recalled toy for our son

Husband's travel stipends:  $110

Birthday money (30!): $100

Money Highlights of May:

We're finally close enough to paying off PMI that I reached out to our lender to see the process.  Silly me thought it would be simple: "Hey!  We did it! Take it off our bill!"  Our lender was more like, "Lol. No."  They want a $400-$700 appraisal to remove PMI. If we let it fall off naturally, we will pay $588.90 in PMI if we wait it out until August 2018 so we're still kicking around what we want to do about it.

I moved 2 months of our emergency fund to a harder to get bank account.  It was falsely inflating out checking account and we were spending more than we normally would have because the money was in the account.  We're giving up a little bit of extra interest because our checking account is 2.7% but we're more than making it up by not over spending.

I called AT&T and mentioned that our internet bill was creeping up over the last few months and wanted to see if there were any promotions that I was missing.  They dropped our bill by $15 a month for the same level of service and no additional contract after a 5 minute phone call.  I'm routing the savings to our brokerage account through an automatic transfer with everything else we've cancelled.  It's now up to $107/month from cancelling subscriptions and negotiating services down.  It's not saving money if it's just sitting in our checking account and getting spent on diapers and groceries later.

We went to my husband's hometown to see his folks this weekend.  Since we had willing babysitters, we snuck out for a margarita at our favorite Mexican place in town.  We had a good talk about what our goals even are.  I've been so focused on getting a game plan together that I kind of forgot to figure out our why.

Our plan for the rest of 2017:

Put the search for a duplex to live in/rent out on hold
Get our house realtor ready regardless on when we decide to list it
Pay off the car
Max out as much as we can in our IRA's for 2017
Add 1% to my 403b contributions at work to reach 15%
Plan our vacation for the week when day care is closed this fall

Until next time!

18 Years and 1 + months to go.

I wrote this post with my son sleeping on my lap. It's hard to imagine life 18 years from now.