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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!๐Ÿ”ฎ

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.

Increased Income

March 5th, 2022 at 06:05 am

We are experiencing a staffing crisis at the hospital so we got offered a 10% retention incentive to commit to a stay a year. That's a much bigger raise than we see at any other time. Add that onto my step increase due in 3 months & it's a nice increase in income. Almost $1k a month. We are also awaiting the results of a salary survey which we hope will bring an additional adjustment. 

I'm not on the schedule yet at my new job. I'm still in training mode. Actually more like orientation mode as I'm just trying to get through the online trainings. Tomorrow I think I will actually get to start training on the bench. I'm told that the job isn't stressful at all, which is nice to know. Everyone has been very nice.

I unexpectedly already got paid this Friday. For some reason I thought my paycheck would be on the opposite Friday for this new job. It's always a pleasant surprise to get an unexpected deposit in your bank account.

The market remains down. I'm not worried about it, but as I mentioned earlier it would have been nice to hit that $1 million mark in my TSP before everything started dropping. It was sooo close. My one fund that hasn't dropped significantly is my high dividend yield fund which I bought at the end of September.

Net Worth $1.257 million 

Happy New Year! ๐ŸŽ†

January 1st, 2022 at 09:57 pm

Happy New Year! I wish you and yours happiness & health in 2022. I meant to post at least once in December, but with the busyness of the holidays time got away from me. ๐ŸŽ„ 

I celebrated a birthday last month. I celebrated by going out to lunch with my parents. They rarely eat out since the pandemic began & with Omicron I doubt they'll be doing it again anytime soon. ๐ŸŽ‚ 

My sisters came home for Christmas. It was so good to see my niece & nephew for the first time since Christmas 2019.  My younger sister flew home, while my older sister & her family drove from Virginia. We had an outdoor Christmas Day gathering with extended family. For once I was thankful for a warm Christmas! The high was 80 degrees here on Christmas Day. โ˜€๏ธ 

I leave Wednesday for Nashville. There's a 40% chance of snow there on Thursday. I'm looking forward to my trip. I ordered some KN95 masks to wear. While I wore cloth masks in New York & was fine, with this new more contagious variant I thought it would be good to get more effective masks. Where we are going is requiring vaccination for entrance & I'm thankful for that. ๐Ÿ˜ท 

I did my budgeting this morning since it's the first of the month & year. Nobember & December were high-spending months. I appreciate the cash my parents have me for my birthday & Christmas. My investments grew over $56k last month. I placed a trade for $6k to my IRA today. I was going to do $500 monthly contributions, but got inspired to go all in today. ๐Ÿ’ฐ

I get an annual raise of 2.2% in the new year & I will get a step increase in June. I have increased my retirement contributions to meet the $20.5k limit this year. I decreased my FSA contributions & I hope I don't regret that. It's always a gamble as you never know what will happen. I appreciated when they allowed us to change our allocation mid-year. 

Net Worth $1.388 million 

Inverstments $1.340 million

Happy Thanksgiving! ๐Ÿ๐Ÿฆƒ๐Ÿฝ

November 28th, 2021 at 04:24 pm

I see the website has been upgraded in my absence. I like what I see so far!

I hope you had a Happy Thanksgiving. Ours was quiet as usual. We continued our new tradition from last year of Rock Cornish game hens instead of turkey, along with ham, cornbread dressing, carrot soufflé, and my homemade cranberry sauce. I usually do the fresh snap beans with potatoes & bacon, but my dad said to just cooked the stir-fry veggies we had in the freezer. Fine by me! Everything was delish & I'm eating my leftovers today. ๐Ÿ—๐Ÿ–๐Ÿฅ•

My last two paychecks have had OT on them & that adds up quick. I'm always surprised by how much of an impact it has, but at a rate of 1.5 pay plus the shift differentials, it is significant. Much better than my pay when I had two PRN jobs. Work is about to get busier as my lab manager retires at the end of the year & I am the assistant lab manager. 

I traveled for the first time since 2019! My friends & I met up with my sister in New York. We had a great time. We saw 4 shows, ate great food, & did a ton of walking. ๐ŸŽ๐Ÿš–๐Ÿ—ฝ

I have two more trips booked: Nashville in January & Maine next fall. ๐ŸŽธ๐Ÿช•๐Ÿฆžโ›ต๏ธ It is also my parents' 50th anniversary this summer so we may do a family trip.

I thought I might hit a million dollars by the end of the year in my TSP, but then the market pulled back due to Omicron. It still may hit those elusive 7 figures in 2021, we shall see. 

Yesterday I went to Hobby Lobby & Michael's looking for a Christmas tree. I had thrown my tree out last year as it had seen better days. I got a 7.5 ft pencil tree at Michael's and a tree skirt at Hobby Lobby. Michael's was much less crowded than Hobby Lobby. The pencil tree will take some getting used to, but it's decked out in rose gold, gold, & silver this year. It's a very pretty color combination, if I do say so myself. ๐ŸŽ„

My birthday is next week & I will probably have a quiet dinner with my parents. ๐ŸŽ‚

 

End of Month October 2021

October 30th, 2021 at 03:48 pm

I hate losing a blog just as I'm trying to post it! Ugh.

Friday was the end of the month as far as investing so I've been crunching my numbers already. I'm such a numbers need that I really love this time of month. Mint has my net worth increase for the past 30 days by $118,900. This is incorrect, but I attribute it to having a lot of money moving through accounts & my mortgage being paid off due to selling my condo. I also was having issues updating my credit union accounts last month.

My calculations show a gain of $68,616 for October. it's a good thing to do your own calculations and not just rely on the budgeting apps as they can be wrong. I love my Clever Fox budget planner and am already looking for next year's planner. Last year they were pretty late releasing their products. It seems like they would want them on the market by Black Friday, but choices were limited or even sold out in December last year. 

Yesterday's paycheck was larger due to coming in that one Saturday for a few hours. Next paycheck will be even larger because I picked up some evening hours for OT. Our evening shift differential is 10% and weekends are 25% base, on top of the OT rate. It works out pretty nicely. Also, we have shift incentives because we are so short. I'm happy to have the extra money & to help out.

My trip to NYC Is rapidly approaching. I have missed the city so much. I last visited the summer of 2019. We fly out on Veteran's Day. My sister is taking the train up from DC. We have tickets to 3 shows and reservations at the Met and a couple of restaurants. ๐Ÿ—ฝ๐Ÿš–๐ŸŽ๐ŸŽญ

I have lost 13 pounds in the past month, but I will indulge a little on my trip. I have been pretty strict on plan with the exception of this Thursday when we had our Halloween office party. ๐ŸŽƒ๐Ÿ‘ป๐Ÿ๐Ÿ‚๐Ÿฅณ

How is the weather where you are? Here it finally turned cooled yesterday. I'm glad that my dad gave me some gumbo for my freezer when I visited this weekend! His gumbo is of course my favorite gumbo. ๐Ÿฅ˜

October Check-In

October 23rd, 2021 at 02:10 am

My investments are almost back to the high of September 6th. Today they stand at $1,300,918 which is almost my entire net worth with the addition of my car & cash savings. 

I applied for a PRN position (you knew I couldn't stay away from a second job for long!), but turned it down when they told me the per diem rate, which was the same rate I was paid in 2008. You'd think with all these healthcare shortages that they would up there rate.

This past Saturday I did some OT at my hospital and that rate is more than twice the per diem I was offered. Our ENW supervisor, who is desperately short-staffed, asked me to work as much as I could so it looks like I'll be pulling some OT. One good thing about my promotion is that by losing my supervisory status I can make time and a half overtime, whereas I used to just get comp time. I am always in use or lose territory with my annual leave by the end of the year, so I don't really need to earn more time. 

I am setting into my new apartment. Furniture keeps trickling in & I am doing a little updating in my decor. I had some rowdy upstairs neighbors, but after a few complaints it looks like they have settled down. The leasing agent said she would contact the dad. I guess that worked. It's super annoying to be kept on weeknights by kids who have their daddy to pay their rent. The rest of us have to get to work in the morning!

Budgeting & New Mattress

October 9th, 2021 at 01:28 pm

I took some time this morning to update my budget in Mint. So many categories were obsolete now: homeowners insurance, alarm system, property taxes, student loans (which I paid off over 4 years ago!). Then others needed to be adjuste: mortgage & rent, which more than doubled. 

One of my credit union accounts won't update in Mint, which is frustrating because it's my largest cash account. It is, however, updating in Personal Capital.

I finally figured out how to add my car value in Personal Capital this morning. It's crazy because the Kelley blue book value today is almost the same as it was when I bought it 5 years ago. Supply & demand, I suppose. I think this is the first time in my lifetime that cars have held their value. Usually they are rapidly depreciating as soon as you drive them off the lot.

My new mattress will be delivered today. Mattresses have become quite expensive, but at least I get interest free payments for 4 years. The furniture will be no payments for one year. I don't expect to pay for that long on the mattress, but will take advantage of the one year payoff for the furniture.

My furniture went from expected delivery in October to full delivery expected in January. I should get some pieces this month. That is one thing that hasn't changed: furniture deliveries getting delayed. They blame it on the pandemic, but I remember prior orders. I'm looking forward to getting my second bedroom & sun room (office) furnished.

My investments for Q3 were up, partly because I invested the profits from the sale of my condo just before the end of the month. Since it's only 5% on my portfolio I decided to try something a little different & invest in Vagaurd's high dividend yield index fund. It's pretty new having began in 2019. It will be interesting having a new fund to follow.

Money Invested from Condo Sale

September 30th, 2021 at 08:18 pm

I was able to transfer the funds from the sale of my condo to my new brokerage account just in time to invest before the end of the 3rd quarter. The proceeds ended up being just 5% of my total investments so I played with the investments just a little rather than sticking to my usual index funds. I still selected an index fund, but not the total domestic stock and total international stock index funds I'm currently invested in for my IRA. 

After living in my condo for 15 years, it's interesting that my equity was such a small amount of my net worth, when I always read that most people's net worth is largely tied up with their home. I'm not anxious to own again, and I've done much better selecting mutual fund investments that investing in my home. That's not to say that I'll never own again, but I always been told that renting was throwing away money. I don't have that perspective now.

Still Purging & Packing

July 24th, 2021 at 05:16 pm

It's amazing what you can accumulate in a home after 15 years. I moved into this home with only the bedroom set I had in my parents' home. I have accumulated so much stuff, some that I didn't buy myself & never used. Such as a silver gravy boat. I don't even make gravy & if I did, I wouldn't serve it in silver! So that has been my life the past 3 weeks. If anything will cure me of my love of shopping it's weeks of having to give things away. ๐Ÿ› 

I hope to get repairs done soon so I can list my condo soon after I move out. It's so hard to find reliable people that follow up. 

My rent will be more than double my mortgage, which I can afford & am okay with. Since I applied 3 weeks ago they have already raised the rent by a few hundred dollars. (On another note I hope I don't regret passing up on the 3rd floor unit with the vaulted ceilings & skylight.)

My 401k rollover has been deposited in my TSP. It was only a little over $1k, but I'm glad to have the money consolidated in my TSP. I was being charged a $1.25 fee for what I'm not sure. It's not much, but I try to avoid any fees.

Stocks were up & down this week, but ended up at a high. My accounts are at an all-time high. 

Investments $1.193 million

Net Worth $1.335 million

Purging & Packing

July 11th, 2021 at 08:33 pm

My weekends now consist of purging & packing. Purging involves dropping off my discarded items to the local charity consignment store. I have packed more books than anything else. I have donated many as well. I bought a CD organizer & have been able to get rid of all of the cases. I just ordered a second one for my DVD's.

Yesterday I got a call from the apartment manager that she should be sending me my lease. After all those papers I signed I thought that I was done. Apparently I have 16 more pages to go through. I think I signed less paperwork when I bought my condo.

I initiated the rollover of the small employee plan from my weekend job. I am consolidating with my TSP. My investments are at an all time high of $1.189 million. Net worth is $1.329 million.

I hope my condo sells quickly. Repairs are coming along. I got a lot done this Monday & it only took him about an hour. Funny story, my handyman turns out to have two degrees as an MD & PA. But he started this business & it's doing so well that it may be his full-time career now. I love seeing people pursue what makes them happy. And it seems to be quite lucrative for him.

Employment

June 5th, 2021 at 05:47 pm

I notice that employers are trying hard to recruit employees. Costco upped their minimum wage to $16 & Wal-Mart has a minimum wage of $11. McDonald's is starting at $10 and is even advertising paying workers daily.  Last time I went to Wal-Mart there were signs advertising $13-21 for overnight stockers. These are really good wages for my area.

It seems employers are going to effectively raise the minimum wage even if the government can't seem to find consensus. And the more they raise their wages the less $15 as minimum wage seems a pipe dream as it once did. I think a split between current minimum wage & $15 should be easy to pass now. 

As for my own wages, the President has proposed a 2.7% raise for federal employees, which would be nice. If I get a promotion that will be a nice bump on top of that raise with another step increase to come in a year's time. I won't be making 6 figures, but I'll be close enough with working just one job.

My investments are up $8k this week. I hit $1.3 million net worth and $1.165 million in investments. I should hit $15k in savings this month before I quit my second & third jobs. I already sent off my resignation letter for my weekend job at the hospital. 

 

May 2021 Review

May 30th, 2021 at 01:57 pm

The market is closed Monday so I can make my end of month review for May now. I am at an all time high in my investments. I close the month of May with $1.158 million in investments and a net worth of $1.292 million. I was able to add an additional $2k to savings in addition to my regular $500 monthly contribution. Next month I hope to hit $15k in savings.

I plan to work my additional jobs through June then just work my full-time job. I may pick up another job in the future, but I have no plans for that at the time. 

Coast FIRE

May 23rd, 2021 at 02:43 pm

I follow the FIRE community a lot. There are so many different FIRE communities, but one I follow is the Coast FIRE community. It's basically when you save a certain amount that allows you to no longer have to save anymore to be able to retire when you want. My age is 57. It's the earliest I can retire & get my health insurance benefits. If I retire earlier I don't get the health care benefits. I also get a social security supplement until I reach 62.

I found this Coast FI calculator that says that I am at about twice my Coast FI number. It doesn't take into account my pension or social security. I put in $40k as my annual expenses & that's generous. I spend approximately $3k a month now. That includes $1k to savings (Roth IRA & emergency fund) & my mortgage.

I should no longer have a mortgage when I retire or have to contribute to savings. My TSP comes out of my paycheck so I don't included that in my expenses which I budget based off of my take home pay from just my full-time job, not my additional income from my two other jobs. I want to make sure when I quit my other two jobs (in the next month or two) that I don't start racking up credit card debt again. I even have money budgeted for travel on just that income. I can't live without travel!


I hear some people say that they still save in retirement. I would probably be able to do that as well, but it wouldn't be intentional for me unless there was a tax advantage.

Here's a link to the calculator:

https://walletburst.com/tools/coast-fire-calc/

Another Late Night & Storms

April 24th, 2021 at 06:32 pm

I worked another late, stormy night with bad weather. There were tornado warnings & my mom texted to see where I was. I told her I was at work & she told me that I should stay there for a while. I told her that I had my co-worker there (I always work alone except for last night) and we were going to be there a few more hours. I ended up leaving after 2 a.m. and he was hoping to be gone within the hour. The rain was pretty heavy, but not nearly as bad as the storm a couple of weeks ago. 

My co-worker was doing a big batch run (almost 200 patients) on the PCR analyzer while I was doing smaller runs on the quicker, but smaller capacity analyzer. They want me to come in again this afternoon/evening. We are staying so busy because we contracted with a film company. We are testing the entire cast & crew multiple times a week for COVID-19. Great for my cash flow, but I'm a little tired. I also have a 12 hour shift at the hospital tomorrow.

We had a quiet, but nice lab week at the clinic. I was talking to my manager about how event planning isn't my forte. She felt the same, but we got it through it successfully. On the career front, I qualified for an interview for a potential promotion. I owe a lot of people my thanks in the entire messy, complicated process. Our biannual lab next inspection has been scheduled & I'm looking forward to getting past that successfully. 

My investments are at an all time high. I don't know where things will go from here with the changes being proposed, but I'm just chugging along & staying the course. I continue to vacillate between staying or selling my home. I am consistent about wanting to move forward on a few needed repairs, though they may wait until work is a little more settled.

Investments $1,143,270

Facebook Market Sales

April 17th, 2021 at 12:48 pm

I'm going to spend some time this week changing my candles for sale by delivery only to offer shipping. A potential buyer mentioned that you can ship 4 large candles for $22 flat rate shipping. I think it would help me move my inventory a lot quicker. I went to the post office & picked up a large priority shipping box. I packed 4 large candles to make sure that they would fit well with plenty of packing material to minimize breakage. They are insulated pretty well.

I have been paid 6 times already this month. Two paychecks to go. Income surplus is nearly $4,000 now. That will be a nice deposit to savings. $500 to my IRA on Thursday & $750 to my TSP yesterday. 

Investments $1,142,785

 

So Many Hours

April 10th, 2021 at 03:52 pm

It's 10 o'clock in the morning & I'm just waking up. I didn't getting home until after 4 this morning, after getting caught in a horrible storm. So thankful to have made it home okay. I left & it was raining, but not horribly. By the time I got halfway home I had little to no visibility due to driving rain coming in waves, lights were going out as I drove putting everything in complete darkness, & the winds were terrifying: knocking traffic lights askew & debris across the road. I was shaking & praying the whole time. When I got out of my car I could barely see to unlock my door & I got drenched from head to toe in a matter of a few seconds.  Still thanking God that I made it home safely. I never want to experience something like that again.

I worked so late last night (or rather this morning) because my third job picked up a major client. Just when I thought things would be slowing down due to vaccinations, I learn that not only is the Covid testing picking up, but also we will be getting mass collections. I worked every weekday except Good Friday & this Thursday and still made over 55 hours. That's the most I've made since I got hired a year ago & had to put in training hours. Thankfully I didn't pick up many hours at my second job. The only thing keeping me at my second job at this point is that I genuinely like the people. 

I'll definitely have a nice chunk of change to send to my savings this month. I get 8 paychecks this month! My checking balance is at over $11k as I continue to have surpluses in my budget. My goal is to keep it at least $5k to avoid fees. As much as work I can't outwork my investments! They continue to grow. This week was a good week for the market, though Friday ended a little down. It's exciting to see people meeting big goals. I saw a few people become TSP millionaires this week. I know I'll get there, too. 

Today I'll stay mainly close to home, cleaning up around my home. I'll also stop by to visit with my parents. Tomorrow I'll meet up with several girlfriends to celebrate a friend's birthday. It's my first social gathering in over a year. The birthday girl is staying two hours away, so we're splitting the distance and meeting up at a street fair in a city an hour away. We wanted to stick to something outdoors for safety, though I think most if not all of us have now been vaccinated. I hope the weather cooperates! 

Net Worth: $1,248,369

 

 

Net Worth

April 6th, 2021 at 04:14 pm

Just an update since the market has been hot:

Net Worth $1,240,980

Investments $1,115,243

April Foolโ€™s! Q1 Review

April 2nd, 2021 at 04:15 pm

Well, my April Fool's was fun because I hit $1.1 million in investments! On to the next milestone.

Investments Quarter 1 2021 Review:

Balance December 31, 2020: $1,023,303

Balance March 31, 2021: $1,087,545

Growth/Loss: +$64,242

Contributions: $6,000

Gain/Loss: +$58,242

Savings:

December 31, 2020: $2,814.15

March 31, 2021: $6,319.03

Contributions: $3,5000

Interest: $4.88

Net Worth: $1,227,452

 

Gift from Mom

March 19th, 2021 at 11:17 am

My mom gave me an expected gift of $3,500! She said that she didn't want me to feel left out because I didn't my qualify for a 3rd stimulus. She is going to give me another $1,500 at a later time. It was such a sweet & unexpected gift. I truly am blessed. I have no plans for the money at this time.

I have all my expenses & income for the month & I only ended up in the red by about $141 not including the gift. Again, I wrote checks for my federal & state taxes totaling $1,410. I will mail them later. Happy to have an extra month to pay federal taxes!  

So close to $1.1 million in investments.

Net Worth: $1,211,800

Investments: $1,099,951

Happy St. Paddy's Day!

March 17th, 2021 at 12:03 am

Happy (early) St. Patrick's Day & may the luck of the Irish be with you! I've been reminescing on my trip to Dublin a little over 4 years ago. It was a great, but too short trip. I would like to go back & see the Irish countryside.

My goal was to have one thing done to my home each month & I've done nothing this month. I will reach out to some awning companies to get quotes. An awning is something that I've needed for 15 years now! I think it will cost less than my painting based on quotes I received a few years ago, but everything goes up in price, of course.

I really have blown through my FSA this year with my shoulder problems. It makes me all the more eager to sign up for an HSA eligible plan for next year. I have seen some progress. The worst of my symptoms will take longer to resolve of course. I had an appt with my primary care doctor today & I definitely need to get back to my lower carb eating. I'm disappointed that I have regained what I lost last summer & fall. Plus I'm not making as much progress in my Lyra classes & I attribute it to the extra weight. It makes moving around in the hoop harder!

Friday is my last paycheck of the month and I'll end it slightly in the red due to writing checks for my federal & state taxes for a total of $1,410. Next month is a 3 paycheck month. 

Net Worth: $1,209,196

Investments: $1,097,199

 

 

 

Canโ€™t Post Comments Again!

March 12th, 2021 at 05:34 pm

Getting the same error message this morning when I try to comment on blogs.

It's a non-payday Friday. My expenses seem so much lower now that I've paid off my debt. Now I only look forward to paydays because of my TSP contributions.

Did any of you listen to Chris Hogan from the Dave Ramsey show? He left the group this week. Someone had posted a blog from his ex-wife in a group a couple of months ago so I had a little clue that something was amiss. I never expected him to leave, though. I really enjoyed listening to his show. I play their recorded shows on YouTube while working. I hope Chris Hogan lands somewhere else so I can continue to follow him.

Mint has my one year gains as $430,699 so I know it must have been around this time a year ago that the market tanked. My year end 2020 gain was less than half that when everything recovered.

Net Worth: $1,201,959

 

February Review

February 28th, 2021 at 05:45 pm

It looks like we all have the same idea of posting our monthly reviews on the last day of February.

February was a spendy month. I paid $875 for the painting (expensive I know, but few painters are willing to deal with wallpaper & he ended up having to deal with two layers of wallpaper). It took him 3 days of prep before he could paint. I also purchased a few home items: rugs, trash cans, to improve the look & function of my home. I have a list of future home improvements & will try to get something done every month.

I also purchased more clothes last week than I probably purchased in all of 2020. Several tops on sale or clearance in anticipation of doing some job interviews. I am being optimistic, but they will be good purchases for career or when theatres re-open. (I miss attending shows!) The most expensive top was $16 and the least expensive was $8. I bought 5 tops, not including the 3 that I've already decided to return, but haven't yet picked up. A few of the tops have tie-backs so if I lose weight they will accommodate that.

Spring has come to south Louisiana. We now have highs in the 80's. I put my plant outside yesterday. It was one from my grandfather's funeral. I hope I can keep it alive, but I don't have a great track record with plants.

Last week was a good week if you had any investment purchases, with the market down it was a bit of a deal. I didn't have any of my automated contribution scheduled for last week.

Looking forward to this coming week I have my monthly savings coming out on the first, as well as my main credit card payment. I get paid on the 1st, 5th, 15th, & 19th in March. Investment contributions on the 5th, 15th, & 19th. I am on track to max out my TSP & IRA again this year. 

Net Worth: $1,171,458

Happy Valentineโ€™s Day! ๐Ÿ’๐Ÿ’˜

February 14th, 2021 at 09:09 pm

Happy Valentine's Day! Hope you stay warm with your loved ones today. We are expecting a freeze here in south Louisiana in the coming day or so. I have been staying warm inside, doing some laundry & cleaning. Tomorrow is President's Day so I have the day off, other than my initial assessment appointment for physical therapy and a consultation appointment with a painter.

I found a color for my bathroom walls at Sherwin Williams yesterday. It is called Maison Blanche. 

I refreshed my accounts after Friday's market close. My IRA monthly contribution came out early due to the bank holiday.

 

Net Worth: $1,202,264

Unexpected Pay Day

February 12th, 2021 at 05:21 pm

Unexpected pay day! At one of my jobs I am paid semimonthly: on the 1st & 15th, but I guess because it's a bank holiday on Monday I got paid early. I think, the stock market, may still be trading - at least for part of the day. They usually only close all day on major federal holidays.

This long weekend is actually a triple holiday weekend: Valentine's Day on Sunday, President's Day on Monday, & Mardi Gras on Tuesday! Oh, and then it's Ash Wednesday, of course. I should probably consider giving up sweets for Lent. 

Mint sends me notification of various trends. Apparently I'm on a positive cash flow streak, which is why my checking account has continued to grow. I like to keep at least $5k to avoid paying fees.

I am considering paying my credit cards weekly. I know it doesn't make sense if I just pay them off monthly, but I'm feeling a little anxious after having paid off my credit card debt. I don't want to find myself in the same position again.

Next pay day is on the 19th. I am quickly approaching $1.2 million net worth. 

Net Worth: $1,197,166

So much to do

February 10th, 2021 at 11:33 am

Thinking about everything I need to do to get my home ready to sell can be overwhelming so I'm just taking it in stages. I realize that since I filed my 2020 taxes I probably won't be getting the next stimulus due to increased income. But now that I've paid off my credit card debt, my cash flow has greatly improved. I don't plan on touching my growing savings for any of these projects.

Next step is the removal of wallpaper & painting my upstairs bathroom. I got a quote prior to COVID, but it was only good for 30 days. I wasn't super impressed with him because it took days for him to come out then he didn't give me the advance notice he had mentioned, but not many painters are willing to deal with wallpaper so I need to be flexible.

I also need to replace my downstairs bath surround, have the upstairs closets painted with stain kill for past leaks, carpet cleaned, and repair a leak in one of my upstairs bathroom sinks. I've been bad about keeping up with home improvements. One step at a time...

Any bathroom paint color suggestions? I know neutral & lighter is always recommended by realtors.

Net Worth: $1,192,115

Credit Card Debt Free

February 7th, 2021 at 03:23 pm

Not only have I paid off my credit cards, for a short while I actually had a negative balance as I paid more than my balance. I just did my own Dave Ramsey yell at home.

LivingAlmostLarge had another great survey post. I am resharing my answers below for posterity.

My parents retired with 2 pensions. One for 20 years active duty military. They were able to pay all bills with his military income while earning another pension of 20+ years working with the state. They didn’t need that much money in the bank, but working 20+ years without touching their salaries certainly allowed for it. My mom mostly stayed at home until all of us girls graduated high school.

I don’t envision myself retiring early even though I could. I have enjoyed my career & am looking forward to achieving more. I have the age of 60 in mind, which is still plenty young. I will have 30 years with the federal government so a good pension, SS supplement until age 62, and SS after that if it’s still available. I will probably wait until full SS age to withdraw depending on my health. I should have several million in my own retirement accounts as well. I am on track to be mortgage free many years prior to retirement, but I am planning to sell soon. 

Net Worth: $1,180,104

 

 

Parents getting vaccine

January 31st, 2021 at 02:19 am

My grandpa wasn't breathing well this morning. We went to visit him. Other family members dropped in & out. The hospice nurse told us not to stay all day, so we came home. I don't know if she said that for our benefit or his.

My parents are getting their vaccines at Walgreens tomorrow. Not sure if it's the Pfizer or Moderna. My mom mentioned it during a family group video chat & I forgot to ask with all the conversation happening.

With my credit cards paid off I feel like I can take my foot off the gas with all the hours I've been working. I have a big inspection coming up in March so I'm taking February off at the hospital. I'll definitely need more time to get my condo ready as well.

Market has been down, but not horribly so. That GME spectacle was something to witness, for sure.

Net Worth: $1,130,760

Grandpa not doing well

January 26th, 2021 at 11:04 pm

My mom called me at work this morning to tell me that my grandfather wasn't doing well. I left work to take her to the hospital. Though we thought he could have more than one visitor a day since leaving ICU, it's still only one per day. They made an exception today and both my mom & my uncle were able to visit. I still haven't seen him. The would like to arrange a hospice nurse for him. It's so strange because although he is 90, until the last month or so he was so healthy. The last time I took him to a doctor the doctor mentioned to me that he was very thin, but he always been like that. He lost weight so quickly once he started to have issues, and again, he didn't have anything to lose. We just want him comfortable for as long as he has left with us. They took him in for another surgery Sunday, but we don't want them to keep performing surgeries.

In financial news, I have received all of my income documents for the year. Still need to upload a few other statements before my appt. My dad mentioned that I would be able to deduct my charitable contributions last year even if I didn't exceed my standard deduction. That's good. I continued to give to church & the local food bank. I still have a feeling that I will owe.

I think I mentioned that I bought a SodaStream during the Christmas sales. I finally just tried it today. I had bought a couple of zero calorie flavors through Kohl's. I can't wait to try it after it chills. I love my sparkling water & will enjoy being able to make my own. And yay for less waste! 

Net Worth: $1,168,011

 

Pay Increase

January 21st, 2021 at 10:02 pm

I have received my pay stub for tomorrow's paycheck. I received both anticipated pay increases in one check: an annual across the board increase of 1% and my scheduled step increase. The combined increases translated to a 3.9% raise. Not anything to go crazy with, but ever penny counts!

Net Worth $1,166,919

 


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