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Archive for April, 2022

Bad Habit

April 29th, 2022 at 07:58 am

I've gotten in the bad habit of waking up in the middle of the night, in which case I end up on my phone, like now.

Still no retention bonus on our checks. I believe that once is goes through the process that we will get retroactive payments, which will be nice. We were under the impression that it could happen a lot quicker than it actually has so that leaves people feeling frustrated. 

I'm still not quite sure how I would like to allocate this money. I am saving $1,000 cash monthly already. I'm not sure that I want a lot of cash on hand, but at the same time I feel like my cash reserves are minuscule compared to my investments. Perhaps I should keep building it for a future car purchase? It's either that, or fund the brokerage for a home purchase.

In hindsight I do have a little regret about front-loading my IRA in January, right before the market started tanking. Maybe next year I'll go back to monthly contributions. If only we had a magic ball to predict these things!🔮

Heavy Spending Month so far…

April 21st, 2022 at 07:41 pm

This month has had some big spending due to work expenses, most of which as being reimbursed for our laboratory's recognition week. I also paid the first installment of next season's theatre tickets.

I'm excited about the season which includes: Six, Moulin Rouge, To Kill a Mockingbird, Lion King, Tina, Pretty Woman, Jesus Christ Superstar, and Fiddler on the Roof. I passed on the season option of How the Grinch Stole Christmas. I've seen it before (as I've seen many of these shows) and the holidays are busy enough as is. If the Christmas show was White Christmas I probably wouldn't pass it up. I love that movie. ☃️ 

Our Easter was nice & quiet filled with good food and beautiful spring weather. I love this time of year before it gets crazy hot. I am trying to think of a getaway before the temps start rising. I would say Maine, but we already have our trip to Maine booked for this fall. I am looking forward to it, rustic as the trip may be. I have been wanting to visit Maine for a while. Maybe I will venture further north, like Quebec. 🇨🇦 

We have not yet received our retention incentive, but I continue to work overtime and my PRN job. This month is also a 3 paycheck month, so yay! I'm not making any big money moves right now, but I may get back to adding to my brokerage account for a future home purchase. Right now it stands at $75k.

 

Q1 March 2022

April 9th, 2022 at 03:00 pm

I can't recall if I've been using my car value in my net worth as does Mint, but when I calculate it myself I never do.

Investments $1,271,591

Cash $14,888 

Total $1,286,479

Net Gain from February $29,318

My gains include my contributions which are $800 to my TSP every two weeks & $1,000 to my cash savings monthly. The TSP is going to open up an investment window this summer, but I am planning on sticking with their low cost options. I am big on low cost index funds & I don't plan on changing that strategy anytime soon.

We still haven't received the 10% retention incentive on our checks, but I've been training on my PRN job steadily, which means most Saturdays. So there's still some extra income coming in.