HomeUncategorized1+2+3=4
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GrayDog
GrayDog
8 hours ago

Well at least your house is paid off!
So you got that going for you.
Which is nice.

azlibertarian
azlibertarian
6 hours ago
Reply to  GrayDog

Don’t get me wrong….paying off your house (or other debt) is Yuuuge. I remember what an accomplishment I felt when the principal paid against our mortgage was greater than the interest. And when we finally made that last payment, the weight lifted off of you is hard to describe.

But when you own your home, if that home declines in value, that loss is all yours.

azlibertarian
azlibertarian
6 hours ago

I feel your pain, my friend. We’ve had a very expensive (for us) six months too.

Today the IRS and Arizona Department of Revenue got their slices of my hide. Together, it was nearly 8 Large. My withholding hasn’t been right in some time, but this year the bill was more than usual, although the additional was expected. The financial planner has us transitioning some of our IRA money into Roth IRA which means that the amount shifted from one bucket to another is now taxable income and the Taxman must be paid. I’ve posted this before, but this week it seems apt again…..the 1040 Blues.

Additionally,

  • Our home was built in 2018, but the lovely Mrs. azlib has complained about an odor in the house for some time. So we had the ducts cleaned and a guy come in with fancy schmancy floor scrubber and clean our tile floors. The 2 companies did good work, but it was just short of 2 Large.
  • Like many in AZ, our landscaping is largely gravel. It settles after a while and the full coverage that you used to have just doesn’t exist any longer. So, the lovely Mrs azlib found a place that (finally) had gravel close to our color and size. Twenty tons and a landscaping crew later and I was out 3 Large.
  • Last month, as we pulled out of the driveway on our way to Tucson to see the grands, we saw that the car had a flat tire. We unloaded into the truck and had to start tire shopping. The car was due new tires….we’d talked about it…it was just a matter of deciding which month to do it. Events decided for us. $1200.
  • We had to put a cat down. Mrs. azlib loves her animals and we’ve spent much of the last year acting as a veterinary hospice for the cat and the chihuahua (doing OK at the moment, all things considered, but the congestive heart failure will get her soon enough). The cat finally had a very bad weekend and we called in the Pet Terminator. I think that he’s got a pretty good gig going on: He’s a vet who makes housecalls to put your pet down at home, as comfortably as possible. With the cremation, I think it was $800.
  • We have a piece of land in eastern AZ which is in a HOA community. Anyway, the HOA panicked itself about a bark beetle infestation developing and they decided that any affected trees need to be taken down toot-suite, or else the beetles will turn all the trees into standing dead trees. $1200 for a couple’o yah-hoos with a chainsaw and a large truck.

I am the son of high-school graduates, and I fully realize the position in which I find myself. Every 4-, 5-, or 6-weeks we were spending $2-4000 more than we normally spend. I am fortunate….extremely fortunate….that I can afford these extra expenses, but as I say that, they’re still hard to stomach. They mean that the Bucket List Travel that Mrs azlib wants to get to will have to be put off until next year. And as we’ve seen with our cat and dog, we don’t know how many “next years” that we have remaining.