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Showing content with the highest reputation since 09/17/2020 in all areas

  1. 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 t
    9 points
  2. September was a good month, even though I spent a bit on new furniture and still haven’t gotten my desk, or the reimbursement for it. I need to get the desk and send my boss a picture before I can be reimbursed, and it was ordered (and paid for) in August but it’s shipping internationally and still hasn’t arrived! But wow, it feels good to just be able to buy the thing with savings and not even have to worry about floating it on a card while I wait for reimbursement! In happier news, it was 3 pay month in Sept, and I’ve got over $7k in my EF now! I was actually just shy of that miles
    6 points
  3. Quick update to anyone who reads this ... I've decided to just post bi-weekly on Fridays after payday instead of weekly, since we'll see more movement in our account on those days. For this past Friday though, no snow was thrown, we are quite a bit below our buffer and will most likely be in the same situation next week as well after payday, but will update then to let everyone know how we're doing. I've not been able to make as much as we're dealing with some family issues right now.
    5 points
  4. Well, it's about four years later, and we did hit $150k in retirement! "Life" certainly has happened but everything is performing well which helped get us here. I wanted to do another break down: $31,288 in my Roth $42,386 in dh's Roth $9,323 in old IRA $69,720 in my 403b $152,717 total I also have $4.951 in my HSA. Mortgage is $38k right now.
    4 points
  5. 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
    4 points
  6. I keep track of yearly totals in all of those accounts. It's encouraging to see growth year after year. Even in a down year where things stay pretty flat, usually the next few years do more than make up for it and that mortgage will be gone in no time. Great work!
    3 points
  7. Just keeping track of balances so I can look back: $35,012 in dh's Roth $ 8,856 dh's old IRA $28,837 my Roth $65,034 my 403 b Total: $137,739 Mortgage $44k Looking forward to the end of 2021, would love to hit $155k in retirement and end the year with $22k owed on the mortgage. Once the 2021 Roths are filled, I would love to go hog wild on the mortgage and knock it out, then go back and fill the 2022 Roths since we have until April 15th, 2023. Biggest projects that are next on the list are adding an egress window/window well to the g
    3 points
  8. I am so sorry you won’t get to see your brother this Christmas, Delilah. This situation is really tough. the Airbnb was a budget killer- plus plane tickets... it has occurred to me that my BF and I could spend a week at a nice all inclusive instead, but damn I miss my family. Also, given the current situation, we can’t. I am glad to have $ in my travel sinking fund but it is sad to see the balance of that account go from “ready to book my big trip to Peru” to “I guess Peru is next year.” But again, given everything I can’t book that trip now anyway. So the trip to see my family is bo
    3 points
  9. Welcome back. Best wishes as you work to achieve each of your goals.
    2 points
  10. That's the plan! It's 0% offer ends in September but goal is to just pay it off in full ASAP and not use it again. It was good while it lasted but its APR is astounding (26%!). I had it for 18 months and used it for balance transfers when possible so it worked out ok but now it needs to leave.
    2 points
  11. Nice job! Dang, the 14 day Airbnb sounds like a budget-killer. Good for you preparing so early and paying CASH!! Way to go on the EF!
    2 points
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