This last week had us paying an extra large payment on the first mortgage

which was a Christmas gift to all of us. We are finally under the $60,000 mark for the combined total of both mortgages, hoping to drop it more this week. We are getting close enough to the end of the first mortgage that even our minimum payments put a major chunk against the principal. That helps make those teddy bears dance more on the countdown calendar for certain.

I was very thankful both my men are good about cooking and helping with clean-up because Wednesday I came down with the crud and they ended up doing a lot of the Thanksgiving cooking and cleaning. I wrote out a schedule of what to do when, did what I could of the more complicated tasks and they handled everything else. Including all of the clean-up. That was wonderful.

This weekend we did almost all of our Christmas shopping, no we didn’t go to the stores, we went to the computers, lists in hand and shopped the sales. I didn’t feel like leaving the house for some strange reason. I know cyber Monday is today, but we wanted to simply get it done. I’ve got a few small things to purchase locally for stockings and such, but we are pretty much finished with our Christmas shopping.

Now to just get the cards made and out, and the tree up. We are all in a major Christmas spirit this year and have been watching the sappy Christmas shows since the first of November, although carols have not hit our stereo yet, probably this week. LOL!

We are finally getting around to estate planning

We met with a lawyer today…wow lots of decisions to make for contingency planning, but it’s been worth it!

I had thought for a while that it was only needed when you had a lot of money to pass along, but with a 4 year old, it’s imperative.

It also helped us find some finanial issues! Reporting all of our bank balances made me realize we have way too many :). I’m an out of sight out of mind person, so kept tiny amounts in various accounts thinking I wouldn’t spend it when it is inconvient..but it really makes no sense at all, so I’ll be combining some accounts. And, most importantly, when my husband went to confirm the amount of life insurance we have for me through his company, his benefits said “waived”! When he changed positions this past May, the HR person said it would all carry over. Apparently there was a glitch and it didn’t!!!! Since it was only like 1.50 a month, he hasn’t noticed that they hadn’t been taking it out. Ugh!!! More reason to read those pay stubs very carefully every month!!!