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Cleanup Before the New Year

December 22nd, 2013 at 12:52 pm

This will be a bit of a brain dump.

I appreciate the comments from yesterday's post. It was so long I am surprised you read it until the end! But I had a bit of an epiphany there and kept going with it.

To address one comment- husband is pretty disabled and for a few years that kept me skeptical of having a child. I didn't want to get 100% responsibility due to his injuries.But as it always is when husband wants something he can argue me until he gets it. And he really wanted a child. He's not nearly as useful as a normal functioning human. But because he can't function so well- he can't work- so he's home all day. That gives him time and focus to put all energy to the baby with no other responsibility (except the rentals, but they require minimal hours). So he does about 40% of the baby care. Which is probably more than a man with a full time job does. But that was a good point that we might need to bring in help sometimes. I didn't think of that, but it is a possibility down the road.

In other news- There are a few minor financial things I'm working on.

One of the renters for FIL's property has not paid his portion of the rent for 3 months. FIL had a property manager while we were in California and the manager collected the rent and deposited it. FIL never checked the account, just assumed all was good.

When we moved back to GA we didn't want to manage that property while the baby was coming. Too much already trying to get our properties in order and us settled in.

We just took over property management in December and I followed the bank account to see the rent was not in the full amount every month. It was short $450/month in Oct & November. In talking to the former manager- he said he was told by the tenant they had worked out an agreement with the owner.

So we called the tenant. He's a waiter, claimed business was so slow and he was cut off from his parents. He would get back on track.

Well no December payment and January is due now. So we have to meet with him and his roommates.

Additionally, one of the roommates Dec check bounced.

On Monday I need to work on our health insurance. We have been paying $1500/month, but it was going up to $3000/month in January.

So I found new insurance for $985/month. But when I received the package of info- the deductible is $950 PER PERSON and I thought it was per family. So I'm not excited.

Meanwhile I got a letter from my old insurance saying my bill would be $950/month. Not $3000/month as I thought. So I need to compare coverages on Monday.

My FIL is coming to visit for Christmas, and then right after he leaves- my brother & his family are coming to visit. They have never seen the new house so I'm excited.

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