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FICO and Other Updates

May 17th, 2019 at 10:38 am

My FICO score was 779 before I purchased my house at the end of March. It dropped to 769 in April, and it just got updated and is back up a little to 774 this month. I'm hopeful that it will get to 800 by the end of the year, although I am not sure how realistic that is.

I have another client at my self-employment (SE) job starting next week. This is good since I wrapped up three clients over the last month. It keeps my average SE hours at about 8-10 each week which is where I want it.

One of the first things I did when I moved into my house at the beginning of April was to start to fix the yard. The house itself was in good condition overall. The only thing I have had to do was fix a couple of sticky doors and replace the kitchen faucet. But the front and back yards were horrible, and I needed to install a fence and take out several shrubs and a few small trees and a lot of overgrowth. I got recommended a handyman who is doing most of this. He is excellent and works for a flat $30/hr. So far in his labor costs and materials/lumber/dump fees, etc., I have spent $3422.43. I anticipate spending at least that much more before the end of the year - there is just so much to do to this damn yard!

Anyway, one of the first things I did after the yard was fenced in was to build three wonderful raised garden beds in an area of the yard that was relatively clear. I then got soil, compost, perlite, and mixed and filled them in. I just planted beans, beets, and zucchini in one of them. I'm going to plant radishes, tomatoes, peppers, lettuce, thyme, thai basil, and maybe eggplant and a couple of other things. Outside of the raised beds, I'm going to grow pumpkin or maybe butternut squash. I also put up a sturdy post trellis for 7 everbearing raspberries. Also have two blueberries. I am vegetarian (ovo-lacto), so I don't have the costs associated with meat which can be so much more expensive. My veggie garden will not only bring me joy, but also will save me money. Next year, I will have chickens. This will help with my egg costs as well. I might also take down two small trees I have in my yard and plant a fig and a plum tree there. We'll see.

For the purchase of my house, I went with a local mortgage broker who was not affiliated with a bank. I really enjoyed working with them, and recommended them to another friend who is also looking for a house. Yesterday, I got a thank you card from them for the referral with a $5 Starbucks gift card. Free coffee treat for me. :-)

Does anyone else count days to payday? I do. I get paid per month on the last day of the month. For ease of accounting, I also take out my monthly pay from my SE job on the same day. This makes payday doubly exciting. Two more weeks to go.:-)

2 Responses to “FICO and Other Updates”

  1. Amber Says:

    I can’t understand my FICO, it keeps dropping as I pay down my CC. Way to go on the SE.

    It’s funny because I need to tackle the front of my house, I’ll start probably next month.
    And yes I count down to pay day lol

  2. LuckyRobin Says:

    I don't know if it is counting, so much as impatiently waiting until payday comes, just because I feel like I make no progress in the in between times. I love gardening and it really does save a lot of money in the long run. You'll probably love having chickens although if your area will let you have them, you might consider ducks. Chickens tear up the yard something awful. If you get one of the quiet breeds like Khaki Campbells or Welsh Harlequins, they are much quieter than chickens throughout the day. Hens cackle constantly.

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