Author Topic: Celebrations Thread  (Read 368164 times)

KatieSSS

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Re: Celebrations Thread
« Reply #100 on: March 27, 2013, 10:08:12 AM »
Just increased my retirement contribution by 1% at work! That will make for an extra $450 a year in contributions. I am now saving a total of 6% of my salary (pre-tax) in addition to the 12% my employer contributes.  I was able to do this by decreasing the amount of pre-tax money that goes on my transit card. I discovered I wasn't using all of the transit money every month, so by bring that amount down I had room to increase my retirement contribution!
"I dislike the fact that I have to be at my job at least 40 hrs a week. My time on this Earth is limited, and I want to be able to spend more of it in accordance with my priorities and desires. That is the main reason I want to be FI." = EarlyQuit, MMM poster

Emerald

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Re: Celebrations Thread
« Reply #101 on: March 28, 2013, 12:33:13 PM »
Dumped Verizon yesterday.  Will dump Direct TV tonight. 

happy

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Re: Celebrations Thread
« Reply #102 on: March 29, 2013, 01:14:14 AM »
Just crossed another 50k level on my net worth ladder! Yay!
And crossed under a 10k level on the mortgage ahead of projections! Yay!
Bank interest per month on my mortgage  is now less than one of my fortnightly repayments! Yay!
Doing my little mustachian victory dance :)
Journalling at Happy Aussie Downshifter

marty998

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Re: Celebrations Thread
« Reply #103 on: March 29, 2013, 06:02:10 AM »
That sounds a lot like me....my monthly interest fell below a my fortnightly repayment a month ago. However I don't think it means anything, 'cept for the warm fuzzy feeling of knowing you are making progress at hacking away at the beast.

jpo

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Re: Celebrations Thread
« Reply #104 on: March 29, 2013, 07:07:47 AM »
Hit 100k net worth according to Mint!

happy

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Re: Celebrations Thread
« Reply #105 on: March 29, 2013, 05:44:16 PM »
Congratulations JPO!
Yeah Marty I agree it doesn't "mean" anything....just another of my arbitrarily decided subgoals I created in order to get that warm fuzzy feeling.......I do like the fact that of my regular mortgage repayments I'm paying more down than the bank is sucking back off me.
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chardog

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« Reply #106 on: March 30, 2013, 09:21:16 PM »
My last day at w*rk was Thursday - at a not extremely young, but still respectable ER age of 48. :)  Not bad for public sector service required to earn a pension (and additional mustachian investments)

I decided to bike commute over 20 years ago.  Over 50,000 miles and many other mustachian decisions later the MMM community helped me determine that it was time to ER.
 
The MMM community are kindred spirits I did not know of until recently.  The site and forum have helped confirm my past, current and future choices.  The future is indeed bright.  Lots of wonderful experiences planned for hiking, biking, kayaking, snowboarding, etc.  Plab to visit Arkansas, Oregon, Alaska and Wyoming this summer. 

If any fellow members of the MMM community find yourselves in Austin, I would be happy to join you for a bike ride (on or off road)
"Bicycling is a big part of the future. It has to be. There is something wrong with a society that drives a car to work out in a gym."
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Adventine

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Re: Celebrations Thread
« Reply #107 on: March 31, 2013, 01:52:16 AM »
Tomorrow, April 1, 2013, will mark four years since I started working full time. In 2009, I didn't have a cent to my name. I didn't have a bank account. I didn't even know how to open a bank account!

Today, my expenses/net worth spreadsheet hit a magical number. A symbolic milestone that 2009 Me hardly dared consider possible. It just seemed so far away. It seemed like I would have to make some superhuman sacrifices to get to that number.

Fast forward to 2013 Me, with a savings rate of 60% and about 10 years away from FIRE. Still not completely free from self-doubt or fear.

But I've definitely got a lot more confidence in the future and in my ability to shape my life according to my desires.

chardog

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Re: Celebrations Thread
« Reply #108 on: March 31, 2013, 09:44:34 AM »
Tomorrow, April 1, 2013, will mark four years since I started working full time. In 2009, I didn't have a cent to my name. I didn't have a bank account. I didn't even know how to open a bank account!

Today, my expenses/net worth spreadsheet hit a magical number. A symbolic milestone that 2009 Me hardly dared consider possible. It just seemed so far away. It seemed like I would have to make some superhuman sacrifices to get to that number.

Fast forward to 2013 Me, with a savings rate of 60% and about 10 years away from FIRE. Still not completely free from self-doubt or fear.

But I've definitely got a lot more confidence in the future and in my ability to shape my life according to my desires.

So badass that you are figuring this out at an (I assume) young age.
"Bicycling is a big part of the future. It has to be. There is something wrong with a society that drives a car to work out in a gym."
- Bill Nye, the science guy

chardog

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Re: Celebrations Thread
« Reply #109 on: March 31, 2013, 09:46:45 AM »
Tomorrow, April 1, 2013, will mark four years since I started working full time. In 2009, I didn't have a cent to my name. I didn't have a bank account. I didn't even know how to open a bank account!

Today, my expenses/net worth spreadsheet hit a magical number. A symbolic milestone that 2009 Me hardly dared consider possible. It just seemed so far away. It seemed like I would have to make some superhuman sacrifices to get to that number.

Fast forward to 2013 Me, with a savings rate of 60% and about 10 years away from FIRE. Still not completely free from self-doubt or fear.

But I've definitely got a lot more confidence in the future and in my ability to shape my life according to my desires.

So badass that you are figuring this out at an (I assume) young age.

April No Fool day! :)
"Bicycling is a big part of the future. It has to be. There is something wrong with a society that drives a car to work out in a gym."
- Bill Nye, the science guy

maryofdoom

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Re: Celebrations Thread
« Reply #110 on: March 31, 2013, 10:09:40 AM »
Another celebration for me: we got the check in the mail from the husband's terrible life insurance policy. I asked him what he wanted to do with it, since it's his own money that he saved up. He said, "Can we put it in my Roth IRA?"

One fully-funded Roth IRA for 2013, coming right up!
I was a fairy princess once. Everything was so nice and peaceful...until one day when it all went HORRIBLY WRONG.

Adventine

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Re: Celebrations Thread
« Reply #111 on: March 31, 2013, 08:39:38 PM »
Tomorrow, April 1, 2013, will mark four years since I started working full time. In 2009, I didn't have a cent to my name. I didn't have a bank account. I didn't even know how to open a bank account!

Today, my expenses/net worth spreadsheet hit a magical number. A symbolic milestone that 2009 Me hardly dared consider possible. It just seemed so far away. It seemed like I would have to make some superhuman sacrifices to get to that number.

Fast forward to 2013 Me, with a savings rate of 60% and about 10 years away from FIRE. Still not completely free from self-doubt or fear.

But I've definitely got a lot more confidence in the future and in my ability to shape my life according to my desires.

So badass that you are figuring this out at an (I assume) young age.

April No Fool day! :)

Just turned 24. Thank you :)

clutchy

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Re: Celebrations Thread
« Reply #112 on: March 31, 2013, 09:20:22 PM »
Several decent celebrations recently.

1. Got a free toilet iphone from my mother in law; fixed it.

2. renewed our cell contract, sold iphone 5 for a handy $350 net, basically just reduces our contract cost.

3. Implemented a substantial savings plan that puts 42% of my income into savings investments automatically and ALL overtime gets booked to investments savings.  Last check was 57% saved.

4. testing a new budget with the wife.  This one is pretty shaky since March was the first month.  It appears to be slowing spending but it's not there yet.

5. committed to fully funding my Roth every year.  Wrote the check for 2012 just this last week.

6. Passed, so far, 3 out of the 4 sections for my CPA license.(should be studying instead of typing...)

WestCoastGirl

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Re: Celebrations Thread
« Reply #113 on: April 04, 2013, 01:25:36 AM »
I've been out of grad school and working for 5 months. I've been hooked on this site for 3 weeks. I get so energized by the people here.

1. I switched jobs from a 1hr commute each way to a >7km cycle, landed my dream job & I make ~15% more while working fewer hours

2. Reduced iphone bill from $65 to $30.

3. Emptied savings to pay off my student loan in full today (I still owe my parents some money, but with no interest)

4. Switched RRSP to low cost index funds via a discount broker

5. Started handcycling to work with a rental & now trying to diy modify my bike to make commuting permanent

6. New rule for social drinking/gatherings - one beer or one appy (not both & never dinner)

7. Finally using craiglist for selling, not buying.



Jenga

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Re: Celebrations Thread
« Reply #114 on: April 04, 2013, 07:51:19 AM »
I just paid off the last little bit of the Consolidation Loan I co-signed for my Brother-in-law, and I am officially, completely, totally debt-free for the first time since college!

Now I can concentrate on Saving!  :D


daymare

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Re: Celebrations Thread
« Reply #115 on: April 04, 2013, 09:55:01 AM »
A few things:

1) Switched from my Verizon contract to a no-contract MVNO.  Prior bill was $100/month on a 2-year contract (which work paid for), current bill will be $30/month for WAY more minutes/texts than I need, and enough data to get by.  I'm really excited to have more freedom and the ability to go to an even lower/cheaper plan (ie, $12/month or pay-as-you-go) if I so desire.

2) Got in to grad school!  Going to a top program to do my PhD, and have really reasonable stipend of 31K.  The best part is I'm committed to continuing to max out my Roth, and I think I can totally do it!

3) Am taking a few months off before school starts to enjoy life, good weather, and write a book.

BlueBird

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Re: Celebrations Thread
« Reply #116 on: April 04, 2013, 04:49:55 PM »
I love this thread!  It's so motivational!

Our victory this week was paying off a credit card (0% interest) that we had to use for an emergency.  I'm so excited about it that I've been doing a lot of dancing around the house and jazz hands....

KatieSSS

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Re: Celebrations Thread
« Reply #117 on: April 05, 2013, 11:58:18 AM »
These are small, but I consider them celebrations:

1) Learned how to make home-made hand lotion with an avocado

2) Bought hair conditioner for 30 cents!
"I dislike the fact that I have to be at my job at least 40 hrs a week. My time on this Earth is limited, and I want to be able to spend more of it in accordance with my priorities and desires. That is the main reason I want to be FI." = EarlyQuit, MMM poster

kkbmustang

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Re: Celebrations Thread
« Reply #118 on: April 07, 2013, 09:34:39 AM »
I just sold a headboard on Craigslist in less than 24 hours. I bought it 3 years ago on a wicked sale for $150. I just sold it for $150.

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Re: Celebrations Thread
« Reply #119 on: April 11, 2013, 05:05:00 AM »
Found the exact pair of shoes I needed (suitable for work, cool enough for social events, well-made) on clearance for $20!

SMMcP

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Re: Celebrations Thread
« Reply #120 on: April 12, 2013, 04:39:58 PM »
Just got the lowest electric bill I've ever had and have lived in this house for 6 years. Rates have gone up over the last year too.

SMMcP

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Re: Celebrations Thread
« Reply #121 on: April 12, 2013, 04:41:52 PM »
I just sold a headboard on Craigslist in less than 24 hours. I bought it 3 years ago on a wicked sale for $150. I just sold it for $150.

Zero cost of ownership for 3 years - that is great!

olivia

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Re: Celebrations Thread
« Reply #122 on: April 13, 2013, 09:23:43 AM »
Just cancelled my cable ($130/month, RIDICULOUS) with little argument from my husband (who LOVES TV) and I just cancelled my CrossFit membership ($175/month) since I will now be biking 5 miles round trip to work.  So we'll have $305 a month less in expenses.
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arebelspy

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Re: Celebrations Thread
« Reply #123 on: April 13, 2013, 09:26:55 AM »
We just closed on a house purchase yesterday that we've had in escrow since December 2011.   It was a long wait, but worth it.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
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Another Reader

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Re: Celebrations Thread
« Reply #124 on: April 13, 2013, 10:08:17 AM »
Sounds like the short sale from hell.  But you got it at the 2011 price, so it was worth the wait!

arebelspy

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Re: Celebrations Thread
« Reply #125 on: April 13, 2013, 10:23:25 AM »
Sounds like the short sale from hell.  But you got it at the 2011 price, so it was worth the wait!

Yeah, it was an ordeal.  We didn't get it at the original price, unfortunately, because the bank does their own appraisals (BPOs) and counters, but we did end up with a really good deal regardless that I'm quite happy with.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

Rural

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Re: Celebrations Thread
« Reply #126 on: April 13, 2013, 05:45:55 PM »
Called to complain about a "change of service" fee on my first internet bill for the new house (it was put there because when I called to check on when our install might be, the rep told me about a better deal and switched us ... before the service was installed. That's not a change, and I told them so.

The rep today waived that fee ($5, but still) and told me we still weren't getting the best deal, which is $44.99 instead of $59.99 for "best effort" DSL. It's still a ripoff, but it's the only high-speed internet available to us (one benefit of living in the boondocks; you're grateful when you can get something other than dial-up). She waived the new change of service fee, too.

So I saved $15 a month or $180 a year today. Furthermore, my husband's comment was, "Good, send an extra $15 a month to the mortgage." I won when I married him, too.

kendallf

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Re: Celebrations Thread
« Reply #127 on: April 17, 2013, 05:12:56 AM »
How about an "I avoided stupidity" post?  I'm a car guy; that is probably the one glaring hole in my past expenditures before starting to come round to MMM ways.  For the past month, I have been tempted to buy another project car that's been advertised on Craigslist.  I even called up and talked to the guy about it. 

Last night I sat myself down and gave myself a couple of face punches: I'm not debt free.  I have cash set aside but it's reserved for the house renovations I'm doing.  I have running, driving vehicles for every member of my family.  I have two other project cars, bought before my MMM awakening, that have to be completed.  We're moving in a few months and I have to find room for the previously noted non-mobile project cars..why on earth would I add another?

It all sounds so absolutely stupid to have even considered the purchase when I write these things down.  Rationalization is a powerful thing though, and I can spout a range of justifications that were running through my mind.  Enough.  I hope that I've exercised my frugality muscle and gotten it a bit stronger.
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Mazzinator

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Re: Celebrations Thread
« Reply #128 on: April 18, 2013, 08:20:34 PM »
This month I..

Made my own laudry detergent.
Cut the going out to eat budget..again..(i know, this shouldn't even exist..but dh is slowly coming around..)
Didn't buy any meat..trying fish instead..
Upped the debt repayment to 23% gross
Changed withholding allowances.
Learned more about the IBR plan for possibly changing SL to this plan.
Moved $10k of SL to 0% CC with 0 fees. Maybe moving $10k more???

I need all the celebrating i can get at this point ;-)
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misstache

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Re: Celebrations Thread
« Reply #129 on: April 19, 2013, 11:01:15 PM »
Today I thought about going to the Friday Market, but then decided not to because I knew if I went I would just buy sugary snacks.

So I went home and made some real lunch instead!

Yay!

SMMcP

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Re: Celebrations Thread
« Reply #130 on: April 20, 2013, 04:16:47 PM »
I bought an indoor digital antenna for my TV so I can cancel cable.  It works great!  Getting lots of channels.  I'm going to the Comcast store to turn in my cable box today.

Dancin Mustachian

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Re: Celebrations Thread
« Reply #131 on: April 20, 2013, 08:56:24 PM »
This month we have:
Used our tax return to get a deep freeze and buy a quarter cow from a local grass-fed rancher co-op.
Also put some toward a CSA for our veggies.
Working on dropping our weekly grocery trips down to an eventual (hopeful) total of $25 a week. This will put us under the $300 a month mark for all of our food for 3 people.
We're also working on switching our phones. I'm estimating a change from $190 a month to less than $50 a month. It's tricky, because we don't have 4g here, so we can't do freedompop. (and all VoIP)

Ms. Doodles

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Re: Celebrations Thread
« Reply #132 on: April 21, 2013, 12:30:49 AM »
We recently accomplished one of our 2013 goals:  We hit our initial 50K retirement fund! 

frugalman

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Re: Celebrations Thread
« Reply #133 on: April 21, 2013, 06:54:19 AM »
I love the small accomplishments as much as or more than the big ones. Keep them coming! You are all very inspirational to me.  I am 63 years old and even though it is far too late for me to retire early, this blog has made me far more conscious and deliberate about my spending choices.  We have a better plan as a result, which we are executing with MMM fervor. By continuing after retirement with conscious and conservative spending choices, we'll have plenty of money to travel and see our country and the world, which is our dream and goal.

P.S. our iPhones are now on Air voice, service is excellent and we have gotten used to not using cellular data. Total cost is $20 a month, thanks MMM and I. P. Daley.
« Last Edit: April 21, 2013, 07:02:59 AM by frugalman »

chatsc

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Perfect morning
« Reply #134 on: April 22, 2013, 11:47:52 AM »
I just had the perfect morning.  Had coffee and breakfast at home.  Brought my 3 kids to a national museum (for free because it is earth day).  Found the best free 3h parking spot ever.  Ate a bagged lunch in the cafeteria.  My middle kid stole a quarter from a teenager and refused to give it back. 

a lovely free morning.  well, actually we are up 25 cents.

jexy103

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Re: Celebrations Thread
« Reply #135 on: April 23, 2013, 01:14:15 PM »
I'm new here and just found this thread. I love it!

DH and I both opened and maxed out our Roth IRAs for 2012 last week!

Last night I received the PIN for my new 401(k) at work and went in to change the default allocations (which was 100% bonds). 

And I also received our first "Mock Bill" last night for our new housing complex. They pay the electricity, but if you use too much, they charge you for the 'excessive' portion, and if you don't use a lot (compared to everyone else), they'll credit you a portion of the savings. Last night's Mock Bill showed that we would have received a $50.86 credit! Our 3-month grace period will be up at the end of April, so we should receive a credit in June for May's low electricity usage. At $50/mo, that's $600 a year back in our pockets!
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« Reply #136 on: April 23, 2013, 03:59:38 PM »
Howdy folks, new here..so figured I would just let y'all know where I am at from the start lol.   Lets see, all cars paid for, primary house paid for, rental property paid for, currently acquiring second rent house, 3 college educations currently being saved for (1 done , 2 at 34 % funded)
Stash primarily 401 around 350k..just chillin.  Considering bailing out pretty soon in favor of part time work.  Works lots of overtime.lol

madgeylou

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Re: Celebrations Thread
« Reply #137 on: April 23, 2013, 05:32:27 PM »
My bike and I finally (pant pant) made it up the giant hill (huff puff) to my house. It wasn't pretty, but we made it.
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marty998

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Re: Celebrations Thread
« Reply #138 on: April 24, 2013, 06:06:57 AM »
a very small celebration for me...I swapped my usual garlic bread purchase for bananas at the supermarket today.

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Re: Celebrations Thread
« Reply #139 on: April 24, 2013, 03:00:49 PM »
My bike and I finally (pant pant) made it up the giant hill (huff puff) to my house. It wasn't pretty, but we made it.

Awesome! I remember that feeling when I first started commuting.

FiveSigmas

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Re: Celebrations Thread
« Reply #140 on: April 24, 2013, 08:47:11 PM »
My bike and I finally (pant pant) made it up the giant hill (huff puff) to my house. It wasn't pretty, but we made it.

Fantastic! You must feel on top of the world (maybe in more ways than one!).

dfields

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Re: Celebrations Thread
« Reply #141 on: April 24, 2013, 09:02:54 PM »
I hit 100k net worth today (beat it by $40).

Also this last weekend I rode a bike for the first time in 5 years. Did some errands, still working up to commuting with it.

madgeylou

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Re: Celebrations Thread
« Reply #142 on: April 25, 2013, 04:57:26 AM »
Congrats, dfield!

And thanks for the encouragement, yolfer and FiveSigmas. I am feeling pretty proud and a little sore :)
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frugalman

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Re: Celebrations Thread
« Reply #143 on: April 25, 2013, 06:43:21 AM »
I ran 5k on the treadmill this morning in 30 minutes flat (6.2 mph, 3.1 miles).  Then, I walked another mile in the remaining 15 minutes (4.0 mph, 4.0 incline).  Not bad for a 63 year old office worker who weighed 275 pounds 3 years ago (I'm down to 205 now).  I'm on the treadmill for 45 minutes M-F or 5 days a week.  This habit started when I read the book Younger Next Year, which suggests we all do 4 days a week of brisk cardio for 45 minutes and 2 days a week of strength training for 45 minutes.  One day a week off.  I do feel younger!

FriendlyLibrarian

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Re: Celebrations Thread
« Reply #144 on: April 27, 2013, 06:32:36 AM »
Yay for being able to brag about this somewhere, sadly family and friends would not understand the significance or would think we're rubbing their noses in it.
According to mint.com, my husband and I now have positive net worth. Yay! We do still have debt that we're tackling; student loans are evil, evil I say! BUT, we have enough assets to cover our debt, if in some horrible situation we need to liquidate everything.
I LOVE my job, but that doesn't mean I can't retire before 65, right?

bigchrisb

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Re: Celebrations Thread
« Reply #145 on: April 28, 2013, 09:28:26 PM »
Hit $1,000,000 in net worth.  While its an imaginary line in the sand, its still a psychological milestone! 

happy

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Re: Celebrations Thread
« Reply #146 on: April 29, 2013, 02:43:36 AM »
Congratulations Big Chris, that is very exciting.  Our society does seem to value that 1 million demarkation line, so celebrate! You've achieved so much for someone in their 30s.
Journalling at Happy Aussie Downshifter

dbm

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Re: Celebrations Thread
« Reply #147 on: April 29, 2013, 06:40:08 AM »
Congratulations Frugalman.

The first 5k is the hardest.  Once you get past that it's onto 10k's and a half marathon!

Keep up the good work!

frugalman

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Re: Celebrations Thread
« Reply #148 on: April 29, 2013, 11:02:17 AM »
No 10k or half marathon for me (unless maybe I lose another 20 pounds).  But I did 4.1 miles again this morning in 45 minutes, 3.1 running 6.2 mph in the first 30 minutes, 1.0 miles walking it home at 4.0 mph in 15 more minutes. The exciting thing is, it's getting a little easier every week!  I think I'll push it up until I can run the whole 45 minutes at 6.2 mph.  That might take a year.  After that, maybe add 0.1 mph every month until I either look like MMM or drop dead trying..

kkbmustang

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Re: Celebrations Thread
« Reply #149 on: April 29, 2013, 02:21:26 PM »
Cancelled home phone, DirectTV and reduced monthly internet charge. Savings = approximately $120/month. Next up: cell phone coverage.