Author Topic: Celebrations Thread  (Read 654385 times)

Freckles

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Re: Celebrations Thread
« Reply #1050 on: July 10, 2015, 05:39:04 PM »
Congratulations, Erica!  I'm sure it's a wonderful book and I'm going to pre-order it, too.  I'm glad to learn it triple-helps you.

Mrs.LC

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Re: Celebrations Thread
« Reply #1051 on: July 11, 2015, 10:38:33 PM »
Congratulations on the book Erica! Hope it does well for you.

aetherie

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Re: Celebrations Thread
« Reply #1052 on: July 13, 2015, 09:11:51 AM »
I also placed a pre-order :)

Erica/NWEdible

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Re: Celebrations Thread
« Reply #1053 on: July 13, 2015, 08:31:33 PM »
Congratulations on the book Erica! Hope it does well for you.

Thank you Mrs. LC!

Congratulations, Erica!  I'm sure it's a wonderful book and I'm going to pre-order it, too.  I'm glad to learn it triple-helps you.

I also placed a pre-order :)

Thank you so much Freckles and Aetherie! I'm blown away/humbled/grateful for the # of pre-orders from the MMM community. I don't want anyone screwing up their financial goals to impulse buy my book, but I'm so thankful for the support. <3

Rural

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Re: Celebrations Thread
« Reply #1054 on: July 14, 2015, 04:18:53 AM »
Congratulations on the book Erica! Hope it does well for you.

Thank you Mrs. LC!

Congratulations, Erica!  I'm sure it's a wonderful book and I'm going to pre-order it, too.  I'm glad to learn it triple-helps you.

I also placed a pre-order :)

Thank you so much Freckles and Aetherie! I'm blown away/humbled/grateful for the # of pre-orders from the MMM community. I don't want anyone screwing up their financial goals to impulse buy my book, but I'm so thankful for the support. <3


No guilt on that front; it'll save me more than I spend because I'll pick up one or two good ideas and implement them for years. Plus at some point a new recipe will be more interesting than going out.

aetherie

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Re: Celebrations Thread
« Reply #1055 on: July 14, 2015, 05:23:05 AM »
Thank you so much Freckles and Aetherie! I'm blown away/humbled/grateful for the # of pre-orders from the MMM community. I don't want anyone screwing up their financial goals to impulse buy my book, but I'm so thankful for the support. <3

I used a gift card, so my financial goals will not be screwed up! (Not that $19 would do that anyway.) I expect this will be the best impulse buy I make all year.

Basenji

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Re: Celebrations Thread
« Reply #1056 on: July 14, 2015, 06:11:49 AM »
Ooh, temptation. Erica, that book looks awesome. Well done!

PARedbeard

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Re: Celebrations Thread
« Reply #1057 on: July 14, 2015, 09:44:45 AM »
Congrats Erica!

Cookie78

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Re: Celebrations Thread
« Reply #1058 on: July 15, 2015, 10:07:21 AM »
Why have I never discovered this thread before?!

Congrats Erica!
Congrats everyone else!

Today I calculated my net worth at 500,000! I get such a rush from every purchase I make towards buying my freedom, much more than any rush I get buying things/stuff/crap I don't need, like I used to get.

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Re: Celebrations Thread
« Reply #1059 on: July 15, 2015, 12:46:12 PM »
Just found MMM not quite 2 weeks ago and I put some of the principles in practice this week. I've brought my breakfast & lunch to work all week, so I've saved $15.00 on breakfast and $50 on lunch. I gave up my $1 unsweetened tea from McDs so that saved another $5.20. So just taking 5 minutes each morning produced $70.20 in savings!

I've also changed to a reduced parking pass which costs .48 cents a week as opposed to 8.65. (Savings of  8.17)

Finally, I've brought my bike to work to commute the daily 3.0 mile (1.5 each way) from the outer lot on campus to my building. So, I've bike 15 miles on my commute and another 7 miles just for fun. I hope to build stamina and in a few weeks so I can extend the commute to 5.0 miles per day and hopefully lose some weight in the process.


Total savings this week from very easy peasy changes is $78.37 and if I can keep it up It will net me $313.48 this month or projected out to $3,761 a year.

I haven't cut the cable yet but plan to this weekend which will give me another $100/month savings and will boost my yearly savings to $4,961! It so amazing to think that 2 small, very low effort changes can save me almost $5 grand a year. I'm on my way...

If you need some advice and motivation, check out the cycling challenges we do every month in my signature. Happy Cycling!!!

Zaga

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Re: Celebrations Thread
« Reply #1060 on: July 15, 2015, 02:54:20 PM »
Why have I never discovered this thread before?!

Congrats Erica!
Congrats everyone else!

Today I calculated my net worth at 500,000! I get such a rush from every purchase I make towards buying my freedom, much more than any rush I get buying things/stuff/crap I don't need, like I used to get.
Mine just hit $200K today!  $0 was 3.5 years ago for us.  I'm so looking forward to the $500K milestone!

Cougar

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Re: Celebrations Thread
« Reply #1061 on: July 16, 2015, 11:20:56 AM »
Mine just hit $200K today!  $0 was 3.5 years ago for us.  I'm so looking forward to the $500K milestone!

now thats impressive !

you gotta let us know how you did that, i'd like to do that.

Zaga

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Re: Celebrations Thread
« Reply #1062 on: July 16, 2015, 12:35:28 PM »
Mine just hit $200K today!  $0 was 3.5 years ago for us.  I'm so looking forward to the $500K milestone!

now thats impressive !

you gotta let us know how you did that, i'd like to do that.
Slow and stead, one month at a time.  I started out reading Dave Ramsey just after I got married in 2007.  DH was totally not interested so I just made suggestions and we gradually implemented them.  When we got married we were hugely in debt with less than $20K in retirement funds between us.

DH saw how wonderful it would be to have savings, so we started putting a bit in savings.  This eventually became our 3 month emergency fund.

We had several small annoying debts - 2 cars, 2 credit cards.  Paid these off in a year, $18K total.

He had a debt that was $100K and in collections.  (Today this is our final debt remaining.)  This took over a year to get it back in good standing, I never want to have to avoid the phone because of collection calls again!

Once we were there we started investing at least 15% of our gross income ala Dave Ramsey.  At that point I was just not super comfortable with Dave's investing advice so I started reading investment books from the library until I stumbled on a Boglehead book.  That was a good day!

Since then we've just invested monthly and paid down debt monthly.  Boring stuff.  Auto withdrawals to your 401-K are your friend!  So are automatic payments to your loans!  Each year since 2009 we've added at least $21K to our retirement accounts and paid down debt by an average of $6,700.  During this time we've also used and replenished out emergency fund several times, purchased 2 inexpensive cars with cash, and cashflowed many home improvement projects. 

So yeah, it's not exciting, it's just doing the right things day after day, month after month, and year after year.

ender

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Re: Celebrations Thread
« Reply #1063 on: July 18, 2015, 08:14:42 AM »
Finally our first digit of net worth increased by 1 :)

It was rather depressing seeing 75% of my paycheck go into a 401k a few times recently only to have the market drop about the same (silly Greece!) but I think we might have solidly gone over that hump.

All new savings this year are cash savings and "repayment" to ourselves (we "borrowed" money from the rest of 2015 to pre fund IRAs/401k/tithe etc) so our cash savings will increase rather rapidly for the rest of the year.


Lindy Hop

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Re: Celebrations Thread
« Reply #1064 on: July 23, 2015, 11:32:40 AM »
Long time lurker, but finally had to join. I just finished reading an advanced copy (I'm a librarian) of Erica's book and congratulations! Your personality shines through and it is both inspirational and challenging. Just wanted all your MMM buddies to know how much I enjoyed it. I hope it gets found and reviewed by all the library journals so that lots of copies are bought!

kendallf

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Re: Celebrations Thread
« Reply #1065 on: July 23, 2015, 09:58:49 PM »
Came here to mention a couple of things I'm happy about tonight, and saw the book mention from Erica above -- it's in my Amazon cart.  :-)

I gave myself a huge pay cut today, as I bumped up my TSP contributions to try and max it out again this year.  I have been putting a lot of money into my house renovation and we had some heavy medical expenses this year, so I dropped the contributions down to the match for a while, but now they're back up.. $1k a paycheck for the rest of the year.  :-o

Also, I just used credit card points to pay for most of a round trip flight to Michigan later in the fall, where I'm going to ride the DALMAC ride from Lansing to Sault Ste Marie and spend a couple of days with my daughter, who is at MSU.  Cycling, cheap flights, travel and new sights, and daughter time.  Great stuff!

Tortoise Banker

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Re: Celebrations Thread
« Reply #1066 on: July 24, 2015, 04:13:57 PM »
Yup. Maybe I should change my handle to Tortoise. But you know slow and steady wins the race…..the changes I've made are well entrenched and sustainable

Join the club!

happy

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Re: Celebrations Thread
« Reply #1067 on: July 24, 2015, 08:31:47 PM »
:)

10dollarsatatime

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Re: Celebrations Thread
« Reply #1068 on: July 27, 2015, 08:24:18 PM »
Just submitted my very last student loan payment.  It should finalize on my birthday.  So... Happy birthday to me!  No more student loan payments!

Zaga

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Re: Celebrations Thread
« Reply #1069 on: July 28, 2015, 06:04:17 AM »
Just submitted my very last student loan payment.  It should finalize on my birthday.  So... Happy birthday to me!  No more student loan payments!
Congrats!  I can't wait to join you!

iamlittlehedgehog

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Re: Celebrations Thread
« Reply #1070 on: July 30, 2015, 06:34:58 AM »
Just submitted my very last student loan payment.  It should finalize on my birthday.  So... Happy birthday to me!  No more student loan payments!

That is so great! It's gotta feel like a breath of fresh air!

DaKini

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Re: Celebrations Thread
« Reply #1071 on: July 30, 2015, 02:26:36 PM »
Great! This month we had a new record with 47.4% savings rate (of take home pay). Ok, there was some small vacation-money from my employer however even accounting for that the rate is still very good.
Usually we get around 34% in average over the last 2 years - and this in germany with two kids and only a single income :)

iamlittlehedgehog

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Re: Celebrations Thread
« Reply #1072 on: August 04, 2015, 08:51:34 AM »
We payed off our first credit card in 8 weeks! We slammed about $150 on it a week and just closed it. Plan on having a card cutting ceremony tonight :)
We can't brag about this to anyone other than my Mustachian family but it feels good and finally feels like we have some momentum to paying off our debt!

Congrats! That's awesome.

Did you actually close the account yet? It's usually best practice to leave the account open with zero balance, since average age of accounts is a large component of your credit score.

Thank you! Hopefully we can knock it the next one this quickly too :)

We went ahead and closed it. It is actually my DH's CC and his credit score is high enough it can take a hit and we have no credit dependent purchases anytime soon, and this was a pretty low limit card (maybe 2k?) so the impact on our total utilization ratio is pretty minor. We intend to keep my card open then later down the line open one with better benefits. This card had almost zero rewards and we only opened it because our 12 year old moodle slipped a disc and had emergency vet bills (we are working on an emergency fund too)

WE HAVE PAID OFF THE LAST CREDIT CARD *happy dance*
2 months ahead of schedule. We'll be leaving this one open because it has decent perks. In total we paid off somewhere around 3k of credit card debt in 3.5 months (which is huge for us, we don't have a very high take home pay)
Next goal: paying off the Honda Fit by the end of February, we have about 4k left on it.

stacheasaurus

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Re: Celebrations Thread
« Reply #1073 on: August 04, 2015, 01:43:45 PM »
Just reached $0 NW (thanks student loans... blech)!!  I'm out of the hole, everything's looking up from here

iamlittlehedgehog

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Re: Celebrations Thread
« Reply #1074 on: August 04, 2015, 02:08:08 PM »
Just reached $0 NW (thanks student loans... blech)!!  I'm out of the hole, everything's looking up from here

Woot! It's all uphill from here!

couponvan

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Re: Celebrations Thread
« Reply #1075 on: August 06, 2015, 07:03:58 PM »
Just reached $0 NW (thanks student loans... blech)!!  I'm out of the hole, everything's looking up from here

CONGRATULATIONS!!! I love hearing about people reaching $0. Next stop $1K, $10K, and beyond!!

bittheory

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Re: Celebrations Thread
« Reply #1076 on: August 07, 2015, 02:41:38 PM »
I am on schedule to max out my Roth IRA contribution this year, and am contributing 5% + 3% match to my employer's SIMPLE plan. My wife and I  have been adding approx $200 additional principal every month to our rental property and are on schedule to have that mortgage paid off in 15 years.

I also freelance occasionally on the side, and with every check I receive, I challenged myself to contribute half of it into Vanguard and my daughter's 529 plan, then save half for year end taxes. I've been good about doing it so far, and have saved almost $2K for my daughter's education this year alone and it's only August.

Check2400

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Re: Celebrations Thread
« Reply #1077 on: August 07, 2015, 04:49:46 PM »
After getting married in June and moving in with the misses, I have my house rented out, and received my first rental payment this week.  As if having an extra ~20,000 a year isn't enough, while listing the home I found out that it had appreciated somewhere in the neighborhood of 25% in total value over the course of 2 years.  If it keeps up at that pace, I'm making as much on appreciation as I am on rent!

Woo multiple income streams!

chemgeek

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Re: Celebrations Thread
« Reply #1078 on: August 11, 2015, 07:26:02 AM »
I can't really share this with real live people so I wanted to post here :)

This time last year ( Aug 12 actually) I posted my case study. Since then, we've paid off all my student loans (over $17,000), saved another $25,000 for a house downpayment, added $14,000 to my husband's 401k, 2500 into my IRA. That means we "saved" about $61,000 over the last year. We started at 72k net worth and we just passed the 150k mark. Keeping our eyes on the prize month to month has sometimes been difficult, but seeing what we did over a whole year is really awesome and motivating. Onto year 2!

SavingMon(k)ey

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Re: Celebrations Thread
« Reply #1079 on: August 11, 2015, 07:41:30 AM »
And off she goes! My wife, that is, riding to work for the first time this morning! My riding and suggesting finally rubbed off on her, and she bought a city bike this weekend. It's only 2.5 miles for her, and she will be able to do it on most days (at least while the weather is nice; I'm not sure how cold hardy she'll be). It only took 4 years...

Basenji

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Re: Celebrations Thread
« Reply #1080 on: August 11, 2015, 07:53:52 AM »
I can't really share this with real live people so I wanted to post here :)

This time last year ( Aug 12 actually) I posted my case study. Since then, we've paid off all my student loans (over $17,000), saved another $25,000 for a house downpayment, added $14,000 to my husband's 401k, 2500 into my IRA. That means we "saved" about $61,000 over the last year. We started at 72k net worth and we just passed the 150k mark. Keeping our eyes on the prize month to month has sometimes been difficult, but seeing what we did over a whole year is really awesome and motivating. Onto year 2!
Well done!

onehair

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Re: Celebrations Thread
« Reply #1081 on: August 12, 2015, 12:03:38 PM »
I just got word from the Credit Union that my loans are on track to be paid off by late fall!! That will free up $50-100 to return to my paycheck and be apportioned out to savings... Also the $1231 tax bill I was worrying I had to pay in full the IRS agreed to let me pay it in installments yay!!


frugalJD

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Re: Celebrations Thread
« Reply #1082 on: August 14, 2015, 11:32:59 AM »
Following the past 8 months of craziness at work, I recently received a nice annual increase (8%), plus a $6k spot bonus.  Very grateful for that, it's been a tough year so far.  Now, I just received a verbal offer for a new job, which brings a 5% pay increase and is closer to home. 

Now the tough decision time comes.  I'm going to talk to my boss and boss' boss today to see if they would be willing to match the offer to keep me here.  Wish me luck!

-JD

flan

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Re: Celebrations Thread
« Reply #1083 on: August 18, 2015, 10:21:53 PM »
This is the smallest mini-accomplishment, but I've just invested in a $18 Tweezerman tweezer to replace my previous dependency on $18/month eyebrow threading.

Eliminating one recurring expense at a time...

FiveSigmas

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Re: Celebrations Thread
« Reply #1084 on: August 19, 2015, 12:16:39 AM »
I just rented out my parking space! Fewer wasted resources + income for me = double-yay.

This is only a mini-celebration, as I'd actually rented it out in years past, but when my last tenant left I found demand to be waning*, and due to laziness I just let the spot sit dormant.

* A double-whammy: an influx of young, carless folks in the building meant a smaller potential clientele and more competition on the supply side. Darn my mustachian brethren!

Tortoise Banker

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Re: Celebrations Thread
« Reply #1085 on: August 19, 2015, 05:04:14 PM »
Got an unexpected mid-year 20% raise!  Increased my auto-investments by 20%!

grantmeaname

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Re: Celebrations Thread
« Reply #1086 on: August 20, 2015, 03:10:03 PM »
My visa finally went through and I finally left for London. I put a deposit down for a beautiful, cheap flat today, and I start my ridiculously awesome job and badass bike commute Monday! Everything's coming up Millhouse!

plainjane

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Re: Celebrations Thread
« Reply #1087 on: August 21, 2015, 06:05:29 AM »
Commuted into work on my bike for the first time this morning.  I look forward to the day that my legs barely register the "hill".

cautiouspessimist

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Re: Celebrations Thread
« Reply #1088 on: August 24, 2015, 11:24:32 AM »
My visa finally went through and I finally left for London. I put a deposit down for a beautiful, cheap flat today, and I start my ridiculously awesome job and badass bike commute Monday! Everything's coming up Millhouse!

Well, that all sounds fantastic. Don't forget to update us!

BDWW

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Re: Celebrations Thread
« Reply #1089 on: August 27, 2015, 05:24:10 PM »
Hit 15mph average on my 20 mile round trip commute yesterday. Upped my 401k contribution prior to the birth(due Oct 24th) of our first, figuring it's easier to budget if I never see the money to begin with. 
Trying to up my bike commute to 3 days a week, at 2 currently, but it's a bit hard to be motivated on Monday mornings :).

Katagal

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Re: Celebrations Thread
« Reply #1090 on: August 28, 2015, 02:56:53 PM »
I'm celebrating and it's solely due to this terrific website!  I took on board assorted tips and hints gleaned from hours reading through the forum, the best one being minimising your work commute.  An opportunity arose to transfer at same level to a branch closer to home, essentially a 3 kilometre walk up the road from a 9.2 kilometre or 10 minute drive to work.  Now I was due to start at the new branch on September 5 then I get a tap on the shoulder by head honcho to back fill a position for 3 months while someone is recovering from breast cancer treatment, this position is a couple of jumps up the ladder and is a bus ride into the CBD.  Before MMM I would have been thinking of a gadjillion ways to spend the increase in pay on all kinds of consumerist rubbish, now I am salivating over the significant (approx. $200 extra pw) increase into my savings for the next 3 months.

Thanks again MMM and your wonderful contributors!

Kingsmen

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Re: Celebrations Thread
« Reply #1091 on: August 29, 2015, 11:29:31 PM »
I want to share two milestones on my path to FI.  In one day I:
1)  Paid off a $6000 student loan charging 6.8%
2)  Paid off my Honda Civic ($8900 at 3.9% interest)

I must say, it feels good to not have to worry about these monthly expenses and all the interest I would have paid had I made minimum payments for the life of the loans.

Congratulations to all the Mustachians making milestones every day!!!

Bill76

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Re: Celebrations Thread
« Reply #1092 on: August 31, 2015, 07:02:28 AM »
Got a signed contract on selling our rental house after only a week on the market! We never intended to be landlords, but when we moved in 2011 and couldn't sell the old house, we just sort of fell into it. The cash flow worked while the house was occupied (because of a large down payment when I bought the place), but I never would've bought a $170k house to rent for $1300-1400/month.

Once we close (October), I'll pay off the last of our non-mortgage debts and watch the 'stache grow even faster!  We could've paid those debts off sooner, but I didn't want to liquidate our Vanguard funds to do it. :)

fitfrugalfab

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Re: Celebrations Thread
« Reply #1093 on: August 31, 2015, 07:37:04 AM »
My DH and I are purchasing our first home and we were able to stay in the city since we're getting a studio condo. Very excited to move and we're closing in less that 3 weeks!

TooManyGuitars

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Re: Celebrations Thread
« Reply #1094 on: August 31, 2015, 05:15:49 PM »
My company has been over withholding for taxes by way too much for the last couple of years, resulting in massive refunds.  I fixed that, and rerouted the additional $$ into my superannuation account, and now it is maxed out.  :-)

Dollar Slice

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Re: Celebrations Thread
« Reply #1095 on: August 31, 2015, 05:45:38 PM »
I called Time Warner because my internet bill had gone up to $78/mo (for the mid-level 30/5 package!?!) from $66 since my "promotional credit" expired. I called in to see what I could do, and it turned out that they'd upgraded their tiers so I was now in the 200 Mbps range. Downgraded to 50/5 (faster than I had before) and now my bill is supposed to be $58.

I fully expect some sort of billing shenanigans involving losing a credit I didn't know I had, but it will definitely be at least a little cheaper. :-)

Matilda

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Re: Celebrations Thread
« Reply #1096 on: September 05, 2015, 12:49:01 PM »
This is a tiny celebration, but I have taken the first step in paying down our massive CC debt.  Yesterday was my second paycheck, and I made an extra payment towards the worst card.  We have so much to do, but it feels good to have started, at least. 

MsChewieBear

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Re: Celebrations Thread
« Reply #1097 on: September 08, 2015, 08:19:15 PM »
I'm new here, so these accomplishments are very small, but I suppose it's better to have gains than losses!

1. Paid off a $710 loan balance. It had a $286/month payment, so that opens up a lot of room in our budget.

2. Paid off a $150 credit card balance.

3. Added $410 to our emergency fund.


happy

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Re: Celebrations Thread
« Reply #1098 on: September 09, 2015, 06:06:09 AM »
No mustachian achievement is too small for this thread! Well done :)

MsChewieBear

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Re: Celebrations Thread
« Reply #1099 on: September 09, 2015, 10:53:08 AM »
Thank you! Just paid off another debt for $163.49. "Only" 16 more debts left in my snowball (9 of them have balances of less than $800, so although things aren't great, they aren't quite as dire as they sound when I say I have 16 debts left to pay).

I also opened a Roth IRA account for myself and one for my husband. He's leaving his current job at the end of September, so he'll be able to roll his 401(k) right over. I'm self-employed, so I thought a Roth IRA was the best type of account out of all my options.