Welcome to LLNOE Guest!!
You have very limited permissions as a guest. Let me invite you to sign up it's free and then you will see the entire site!
TIP: whatever email address you use to sign up with, make sure its a valid email address. You will need to validate your signup and a verification email will be sent to the email address you provide at signup.
Living Like No One Else is a safe place to get help with your personal finance like budgets, savings, retirement, college planning, paying off your home early. Not getting help with the nuts and bolts but encouragement, help understanding what "gazelle intensity" is al about and how it helps you get out of debt even faster.
All our members at some point have read Dave Ramsey Total Money Makeover*, been through or lead Financial Peace University* (FPU), been to Live Events etc. All our members are here to help you with motivation, keep you on track or just listen. It's a safe place for you. And your welcome! Come join us!
*LivingLikeNoOneElse.com is in no way officially affiliated with Ramsey Solutions. And Financial Peace University, Total Money Makeover, Ramsey Solutions are service/trademarks of Lampo Licensing, LLC.
Well, I'm back again. It's been about 3 years since I last visited here, but about 6 years since my last blog post apparently. What have we been doing since then?
A Recap since 2015 (please see also other two intros for more info about us):
- Still married, celebrated 10 years of marriage Sept 2020
- No kids yet but working on it currently
- Just a cat as well, no other pets yet.
- We are in a rental house right now, will start saving for a house next year (are going for the 100% down plan)
- Still have $20k of debt left to pay off so still in BS2 but that's ok. We're more 'Dave-ish' and that's ok for us.
- DH has remained in same job since 2015 as a bus driver in Seattle. He is very happy where he is and is looking to move up to the next level (Supervisor) by the end of this year. He also volunteers for his union. As far as hobbies goes, has started a successful Minecraft youtube channel, is active in his Discord server, and is looking forward to when we set up the craft room this summer so that he can set up his Lego builds again. He's a lifelong Lego enthusiast, we have half a closet floor to ceiling of boxed legos. He'll get a dedicated shelving unit for legos as well as the tops of 7 shelving units to display his builds.
- I left my job in 2016 to move to another job, and stayed there for 3.5 years. Left in Dec. 2019 to be come fully self-employed. Surprisingly, that worked out very well for us when the pandemic came along as I was already WFH full-time. Thankful we have been able to weather through this storm. Both of us are fully vaccinated as well and are cautiously spending time with family again, inside and outside our home. I keep busy during the day working through Amazon Mechanical Turk and starting my yarn business (building up inventory now).
- Had two surgeries. Gallbladder removed in Feb 2017 and PRK (eye surgery) in Mar 2018. Still experiencing issues with not having a gallbladder (genetic side effect), one of the big reasons I'm not working outside the home. The other big reason is mental health, I was being bullied and teased to the point I'd rather have my cat as my coworker than work with other people, could not deal with stress while potentially pregnant, and would rather be my own boss than deal with the awful BS I've dealt with in my 18 year working career outside the home). Plus staying at home to raise my children will provide a better future for me than continuing to work with difficult people.
- My in-laws are also retired (ages 63 and 64) and are looking forward to potentially traveling with us in future years - they love to cruise. My parents have 20 months before they will retire (ages 68 and 64), looking forward to spending time with grandchildren and working on hobbies. Our siblings are treading water but we all could be doing better.
Goals for 2021:
- Pay off all debt - $20k to go
- Set up craft room
- Continue to build up inventory for an October 2021 soft opening on Etsy
- Go to Disneyland in December if open for out-of-state residents
- Save $10k for future baby/maternity
- Save our Efund 3 months $15k
- Save for DH car - his is on it's last legs, mine is as well but we'll save for that next year most likely
Goals for this week:
- Post next Friday 5/21 with update here
- Fully clean living room
- Any snowflakes earned will go towards my smallest credit card (current balance $1435, 0% interest ending Sept 2021)
Happy to be back. Thanks for reading!
Recent EntriesLatest Entry
I did it! Just transferred the money and I now officially have 3 months expenses in my emergency account. I chose 3 months because that’s the waiting period for LTD if I became unable to work. I have very stable employment (federal government employee in Canada) so its extremely unlikely that I would lose my job without a ton of notice, and I would have priority in hiring for other federal jobs in that case. I have healthcare, and I don’t have a house, car or kids, so that eliminates a lot of possibly pricey emergencies.
That said the overachiever in me wants 6 months just to check the personal finance advice box, so I have a plan in place to build it up to 6 months by the end of 2021.
My retirement is already well planned for - I have a defined benefit pension plan through my work that is mandatory so I am already paying about 12% of my income to. I suppose I could start putting another 3% into a private account, but I think I will prioritize buying a home first. I have about $32k saved for a down payment, but real estate is crazy where I live. Prices are dropping a bit but it’s still $500k plus for anything even close to liveable. So that is my next focus.
I'm working on the budget for next month and things are going to be tight but doable. I may have a yard sale at the beginning of the month. I need to do a big decluttering to see what we actually have, but I think I have enough stuff to put together a small one.
I got the first bill from my ER visit before I had to see the breast health doctors and made payment arrangements with them. $765! Then the other day I got the bill for the doctors, all the tests, etc. etc and it was over $1,000! I need to call and talk to them to see if we can work out something. If nothing else, I can't let those get behind because I may need them again.
Food stamp and Medicaid applications were sent off today so I'm praying hard for those. It's really helped that the schools are giving out lunches 3 days a week and once a week the local church gives out a 20 pound box of fruits and veggies.
Not much of an update, but I figured I'd post one anyway.
I don't know about you, but I'm getting corona-weary. I never thought I'd experience something like this in my lifetime. Previous generations had wars and unrest and uncertainty. I know 9/11 changed so much about how we lived our lives, but this coronavirus feels like it is changing our society on a more personal level. I don't know how long it will be before it peaks in our country, but I do know that how people communicate and interact with each other, for business, leisure, well-being is changing. In a way it feels like we're beginning to look up from our phones and other devices to see each other, and at a time when having the technology and communication network those same phones and devices represent provides a safe way to do so.
DSHome's work is having him work from home a couple of days a week to reduce the number of people in the office at the same time. My office is allowing flexible hours between 6A and 7P plus half-day over the weekend. I don't have work-technology to allow me to work from the house at this point, but they may be working something out to get the right equipment to allow VPN. If that happens, I'll likely do a combo of working from home, working in the office, and taking some annual leave.
Nothing is changing for DSAway as his classes were already online, and he wasn't planning to attend the graduation ceremonies, so if they are cancelled (as they probably will be), he'll not be disappointed or missing out on something he wanted to do.
DH's biggest inconvenience was the closing of the public library. He had a book on hold that he was going to get last Saturday but they sent out the closing notice on Friday after they were already closed. But believe me, he will not run out of things to read based on the stack of books he's been meaning to get to at home.
Because we buy loss-leaders and stock up routinely, we were not part of the "woe is me, I can't find toilet paper" crowd. We had purchased our three-month supply a few weeks ago. We did lay in some extra groceries so we don't have to go into the store / mingle with other people. Restaurants are still open in our area and we agreed to help support them as we can through take-out service a little more than usual. (It's nice to be in BS7 where we can do that.)
What's been interesting to me is how much people are sharing with how to make the most of closed schools through instructional classes, information, etc. Virtual tours, exposure to art and opera and painting and all sorts of things. Businesses stepping in to help sustain their communities even when its costing them what little margin they may have. Big businesses expanding their community outreach.
Anyway, I hope our LLNOE friends stay well and weather this storm successfully. Be safe. Be well.