No Magic Candy Romance For You! (And the Washer, Dryer Saga)

 So yes, day 4 of ghosting. I'd love to say it hurts a little bit less and maybe it does. It has its moments.

I spent the better part of the morning making money moves. Remember how I thought oh, my washer and dryer was delayed because I needed to not feel tempted to change my number because magically the Boy was going to contact me on the third day. NOPE! BIG FAT NOPE.

As it turns out who did contact me was Lowe's and the Credit Card company. Because I locked my card after the purchase I guess when Lowe's went to set up the delivery the card was declined. I'm not sure how that works but probably wait for the charges to go through first instead of pending before locking the card.

I knew that, but oh well. I bought furniture on Wayfair and the appliances on Lowe's within a few minutes of each other. The Wayfair stuff came but Lowe's took its sweet time to finalize the charge.

Anyway, it would be simple just to unlock the card and have them re-run it...butttttttt home girl was like let me try again to get another credit card sign up bonus. So I did one for Wells Fargo. It's not the usual return I would get but I wanted to figure it out in a hurry so I just went with that one. So for a $1k spend, I get $200 back. (I prefer the $500 spend for $200 back, but here we are.)

The outstanding Lowe's balance is $800, and I was approved for the new CC. But it wasn't one of those where they tell you the credit card number right away so I have to wait a week for the card. Womp, womp. 

Obviously that would be way too easy.

I was going to close one of these High Yield accounts with too many hoops today since the interest rate has plummeted from 3% to 1% and you still have to jump through the hoops. But at the last minute I decided to keep it since, for now, I'm still planning to Hoard Cash for FIRE.

This year is only a month in and it's already all over the place. I can't wait to reach some sort of steady state whatever that may look like. I looked at my proposed budget for 2022 and it was almost laughable. 

I think for the most part I'm still going to keep my target spending, but it's more how the savings will land that will be different. For the two paychecks in January, I did 50% to 401k, $1250/pp to my Hub account, and the rest to Hoard Cash for FIRE.