Author Topic: Celebrations Thread  (Read 404747 times)

jengod

  • Pencil Stache
  • ****
  • Posts: 769
Re: Celebrations Thread
« Reply #1500 on: March 03, 2017, 07:14:47 PM »
I finally got my $75 payment for a freelance article I wrote several months back. The woman I'd been working w disappeared and was replaced so if took a loooong time to process the invoice.


Sent from my iPhone using Tapatalk
Waste is lost profit made visible. #zerowastehome #permaculture

Etlav5

  • 5 O'Clock Shadow
  • *
  • Posts: 3
Re: Celebrations Thread
« Reply #1501 on: March 03, 2017, 08:45:36 PM »
I handed in my resignation letter yesterday.  I have been telling my boss I can't work unplanned OT because I have to get my baby from daycare.  He keeps making me work late anyway and said yesterday that it would not change.  My passive income exceeds my expenses, so I pulled up my already-drafted-and-waiting letter and emailed it in.

I feel relieved, and nervous.

What a great FU money story.

KMMK

  • Handlebar Stache
  • *****
  • Posts: 1356
  • Age: 40
  • Location: Edmonton, AB, Canada
    • Your Life Money Coaching
Re: Celebrations Thread
« Reply #1502 on: March 04, 2017, 09:55:04 PM »
DH got his tax refund and became debt-free (except mortgage) for the first time in 10 years today. I'm very glad he had mostly fixed his financial situation before we met.

NinetyFour

  • Magnum Stache
  • ******
  • Posts: 4448
  • Location: Southwestern US
  • 273 days until Freedom!
Re: Celebrations Thread
« Reply #1503 on: March 05, 2017, 04:53:16 AM »
DH got his tax refund and became debt-free (except mortgage) for the first time in 10 years today. I'm very glad he had mostly fixed his financial situation before we met.

AWESOME!!!
My Journal

Countdown to Freedom:  273 days

chaskavitch

  • Stubble
  • **
  • Posts: 125
  • Age: 31
  • Location: Fort Collins, CO
Re: Celebrations Thread
« Reply #1504 on: March 05, 2017, 06:29:16 AM »
We got rid of our cable TV last month, which will save us about $70/mo.  All we ever did was complain about commercials anyway, so it's a doubly good thing.

Also, my tIRA at Vanguard just got above $10,000, so I qualify for Admiral pricing.  Now all of my accounts are super inexpensive!  Yay VTSAX!  This was the last one lingering down below that value because it was a rollover from a PERA account from grad school, and I was only putting money into the Roth IRA and ignoring the traditional.

This is a good year for us so far!  Last week I got a promotion that comes with a 13% raise, so I'm going to up my 401k contributions from 14% to 17% (at least, maybe more if DH doesn't mind).  AND DH got a new job today, with a $10,000 raise, a chance for a 10% bonus every year (historically 5%), and a 401k option that will match 4% after a year.

Zetus lapetus, this is a REALLY good year.  We just reached $100,000 in our retirement accounts :)  And DH opened his 401k - he was originally going to start off at 5% to ensure his 4% match (3% match at 100%, then 50% up to 4% total), but he upped it to 7%, then 8%, then said "aw, screw it, let's just start at 10%."  Yay!

sw1tch

  • Stubble
  • **
  • Posts: 231
  • Age: 32
  • Location: Omaha, NE.. for now
Re: Celebrations Thread
« Reply #1505 on: March 06, 2017, 07:01:47 AM »
Congratulations, Sw1tch!!  This is awesome!

Thank you!

Here's my rough numbers at the beginning of each year:
2015: 236,000 (included estimated house value at beginning of year but sold it mid-year 2015)
2016: 338,000
2017: 474,000
Current: 515,000

Definitely worth celebrating!  I just wish I had started sooner, but as I always say: better late than never.
<|> My Strava <|>

I, sw1tch, will become a millionaire!

Izybat

  • Stubble
  • **
  • Posts: 181
Re: Celebrations Thread
« Reply #1506 on: March 13, 2017, 05:10:24 PM »
My husband just got a job offer that includes a 10k sign-on bonus and a 59% pay increase!

bigchrisb

  • Pencil Stache
  • ****
  • Posts: 914
Re: Celebrations Thread
« Reply #1507 on: March 13, 2017, 06:28:36 PM »
My net invested assets (non-house, non-super) went over $250,000 the past week.

Nice one Marty!  Next goal $500k?

As for me, I paid off a balance transfer credit card this month.  With the mortgage fully offset, means I now have no lumpy payments each month.  My income is now split just between current living costs and padding the stash.
« Last Edit: March 13, 2017, 06:31:10 PM by bigchrisb »

annastashia

  • 5 O'Clock Shadow
  • *
  • Posts: 2
Re: Celebrations Thread
« Reply #1508 on: March 18, 2017, 12:29:29 AM »
Hi, new to the forum but a lurking Mutstachian for almost a year now. Just wanted to say hello and share my joy and relief at having fully paid off one CC, with 1.5k left on the other. Inspired by MrMoneyMustache's articles! Woohoo!

Trifele

  • Pencil Stache
  • ****
  • Posts: 616
  • Location: US
Re: Celebrations Thread
« Reply #1509 on: March 18, 2017, 03:34:22 AM »
My husband just got a job offer that includes a 10k sign-on bonus and a 59% pay increase!

Izybat that is awesome!!  There should be a "Mega Celebrations" thread for something like that!

Trifele

  • Pencil Stache
  • ****
  • Posts: 616
  • Location: US
Re: Celebrations Thread
« Reply #1510 on: March 18, 2017, 03:35:46 AM »
Hi, new to the forum but a lurking Mutstachian for almost a year now. Just wanted to say hello and share my joy and relief at having fully paid off one CC, with 1.5k left on the other. Inspired by MrMoneyMustache's articles! Woohoo!

Welcome Annastashia!  And great, great job slaying that CC.  Onward!!

DieHard_772

  • Bristles
  • ***
  • Posts: 267
  • Location: California
Re: Celebrations Thread
« Reply #1511 on: March 18, 2017, 12:36:13 PM »
Modest gains, but fun:

--I changed the pipe below our sink, thus making the sink work again so we can use it.
We RENT, and I haven't usually done things like that, but wanted to give it a try.  Perhaps a little rehearsal
for one day owning?

--HSA up around $750, in its third month.  Woo hoo!

--My wife started investing about six months ago.  She had stayed away from it since 2008, breakthrough!

--My sister is getting into Mr Money Mustache.  This is awesome!

annastashia

  • 5 O'Clock Shadow
  • *
  • Posts: 2
Re: Celebrations Thread
« Reply #1512 on: March 18, 2017, 09:06:01 PM »
Hi, new to the forum but a lurking Mutstachian for almost a year now. Just wanted to say hello and share my joy and relief at having fully paid off one CC, with 1.5k left on the other. Inspired by MrMoneyMustache's articles! Woohoo!

Welcome Annastashia!  And great, great job slaying that CC.  Onward!!

Thank you!

Trifele

  • Pencil Stache
  • ****
  • Posts: 616
  • Location: US
Re: Celebrations Thread
« Reply #1513 on: March 19, 2017, 08:06:34 AM »
Modest gains, but fun:

--I changed the pipe below our sink, thus making the sink work again so we can use it.
We RENT, and I haven't usually done things like that, but wanted to give it a try.  Perhaps a little rehearsal
for one day owning?

--HSA up around $750, in its third month.  Woo hoo!

--My wife started investing about six months ago.  She had stayed away from it since 2008, breakthrough!

--My sister is getting into Mr Money Mustache.  This is awesome!

Those are some great gains DieHard!  Love that your sister is into it.  I let my brother know about MMM some years back, and he went all-in and actually FIREd two years ago!  He's loving life these days.

morethanconquerors

  • 5 O'Clock Shadow
  • *
  • Posts: 1
Re: Celebrations Thread
« Reply #1514 on: March 19, 2017, 11:58:42 AM »
Made my FINAL student loan payment last Thursday!!! Paid off $44,000 in less than 2.5 years.

Trifele

  • Pencil Stache
  • ****
  • Posts: 616
  • Location: US
Re: Celebrations Thread
« Reply #1515 on: March 20, 2017, 04:43:37 AM »
Made my FINAL student loan payment last Thursday!!! Paid off $44,000 in less than 2.5 years.

Welcome aboard morethanconquerors!  That is quite a first post. Congratulations!  I remember my last student loan payment too.  It's a huge milestone!

HappierAtHome

  • Walrus Stache
  • *******
  • Posts: 6085
  • Location: Australia
Re: Celebrations Thread
« Reply #1516 on: March 20, 2017, 06:33:35 AM »
My net invested assets (non-house, non-super) went over $250,000 the past week.

Congrats Marty!!

Dicey

  • Walrus Stache
  • *******
  • Posts: 5352
  • Age: 59
  • Location: NorCal
Re: Celebrations Thread
« Reply #1517 on: March 20, 2017, 08:13:53 AM »
Made my FINAL student loan payment last Thursday!!! Paid off $44,000 in less than 2.5 years.

Welcome aboard morethanconquerors!  That is quite a first post. Congratulations!  I remember my last student loan payment too.  It's a huge milestone!
+ 44k!
I did it! I have a journal!
A Lot Like This
And hell yes, I am still moving confidently in the direction of my dreams...

TravelJunkyQC

  • Bristles
  • ***
  • Posts: 439
  • Age: 30
  • Location: Québec City, Canada
Re: Celebrations Thread
« Reply #1518 on: March 20, 2017, 11:38:57 AM »
Although I don't like getting a big tax refund since it means I gave the government a free loan for the year, our situation is just complicated enough (my partner is doing a Phd, we both own condos, mine is on the market, etc), that adjusting witholding for the past year wasn't feasible. This being said, we just finished doing our taxes and will be receiving 7,100$ back. Yay! We're buying a piece of land, so this helps with the down-payment :)

DieHard_772

  • Bristles
  • ***
  • Posts: 267
  • Location: California
Re: Celebrations Thread
« Reply #1519 on: March 20, 2017, 04:28:52 PM »
Made my FINAL student loan payment last Thursday!!! Paid off $44,000 in less than 2.5 years.

Holy $#@ that is awesome...
Congrats

Zaga

  • Handlebar Stache
  • *****
  • Posts: 1401
  • Age: 37
  • Location: North of Pittsburgh, PA
Re: Celebrations Thread
« Reply #1520 on: March 21, 2017, 04:51:23 PM »
Final student loan payment scheduled for my next pay in 2 weeks.  Woot!

Sibley

  • Handlebar Stache
  • *****
  • Posts: 1905
  • Age: 31
  • Location: Chicago, IL
Re: Celebrations Thread
« Reply #1521 on: March 22, 2017, 08:11:09 AM »
Found a house!
Put offer in!
Offer accepted!
Home inspection scheduled.
Mortgage stuff started.
Insurance quotes in process.

I'm really excited - and the house is $134k, 4 bed, 2 bath, 1750 sq ft (planning on parents moving in with me soonish, and this house will work for that). I LOVE this house :)

Freckles

  • Magnum Stache
  • ******
  • Posts: 2834
  • Location: Portland, Oregon, USA
Re: Celebrations Thread
« Reply #1522 on: March 22, 2017, 09:33:36 AM »
A four bedroom, two bath house for $134K? Surely not in Chicago?

I may be baffled by those numbers, but, congratulations!

Sibley

  • Handlebar Stache
  • *****
  • Posts: 1905
  • Age: 31
  • Location: Chicago, IL
Re: Celebrations Thread
« Reply #1523 on: March 22, 2017, 11:43:52 AM »
A four bedroom, two bath house for $134K? Surely not in Chicago?

I may be baffled by those numbers, but, congratulations!

Northwest Indiana. Same job, different commuter train. Plus MUCH lower taxes and overall COL, and the state has an actual budget.

Freckles

  • Magnum Stache
  • ******
  • Posts: 2834
  • Location: Portland, Oregon, USA
Re: Celebrations Thread
« Reply #1524 on: March 22, 2017, 12:39:00 PM »
Super congratulations, then!

MoMan

  • 5 O'Clock Shadow
  • *
  • Posts: 71
  • Location: S.W. Houston, TX
Re: Celebrations Thread
« Reply #1525 on: March 27, 2017, 08:55:38 AM »
It's been a good couple of weeks for this mustachian. My wife and I have been in purge mode this spring. Just had our annual yard sale and really cleared out a bunch of crap, and even got a little spending cash. Listed my mountain board on CraigsList. The buyer was super happy and enjoying it on the beach (with his kiteboarding kite). Win win.

A week ago, I finally mustered up enough motivation to tear into my car's dashboard to fix my car stereo. I knew it was an easy fix, but to get to the stereo that I installed a few years ago, you have to remove a bunch of interior trim. But a couple of hours spent on a nice Sunday was worth it: I was hating my daily commute even more than usual without music or radio. Score.

That same Sunday, I was daydreaming aloud to my wife about my favorite distraction: retirement. I mentioned my plan to ride my bike a lot, and she called me out: "Why do you need to wait until retirement?" Dammit, she's always right. So last Monday after work I got back on and rode 10 miles. I followed that up and repeated it Tuesday, Wednesday and Thursday (Friday the weather didn't cooperate). Must make it part of my routine once again. And I think I'm there.

Tuesday evening, I finally listed our 1994 ski boat on Craigslist. I really lowballed it, which had the consequence of generating a LOT of interest fast. Once I had about 8 people who wanted it, I took the ad down. Anyway, I sold it Saturday!! Yes! What a total fucking relief. I'm more excited about ending the damned monthly storage facepunch fee ($100/mo) than I am about collecting on the sale. Still, its $1,000 towards our taxes. (Actually $900--we went out to celebrate Saturday night). Now I need to list my older sailboat and my old windsurfing equipment. I'm on a roll!

And yesterday I was pretty productive: made yet another delicious batch of breakfast burritos. I make about 60 of them at a time. Wrap in foil and freeze. When I wake up, toss one in the toaster oven while I go for my morning walk. By the time I get back, shower and make my lunch for the day, the burrito is ready to eat. I probably spend 90 minutes or so every 2 months. And I'm guessing they cost about a buck each to make.

Oh, I also cleaned our storage room yesterday. Wife was super impressed.

Plus, last Friday was bonus day! I'll probably use some of it for a car repair and let the rest of it sit in savings as CYA cash. We have a bigger emergency fund, but the savings is quicker to access if I'm about to be overdrawn (I don't keep much cash in my checking account).

So that's it. Today's Monday and I'm feeling pretty good about myself.
"He is richest who is contented, for content is the wealth of nature."

beach2133

  • 5 O'Clock Shadow
  • *
  • Posts: 7
  • Location: Twin Cities
Re: Celebrations Thread
« Reply #1526 on: March 31, 2017, 01:06:59 PM »
Just hit 50% Home Equity.  $119,113.02 to go!
90.93 payments of $1500!
81.56 payments of $1650!

thunderball

  • 5 O'Clock Shadow
  • *
  • Posts: 36
Re: Celebrations Thread
« Reply #1527 on: April 01, 2017, 04:01:02 PM »
Turned in the cable box this morning.  Finally we are internet-only and will save ~$1,000 per year.
Having fewer programming choices feels oddly liberating!

Cherry Lane

  • Pencil Stache
  • ****
  • Posts: 623
  • Location: Virginia
Re: Celebrations Thread
« Reply #1528 on: April 01, 2017, 04:07:55 PM »
Turned in the cable box this morning.  Finally we are internet-only and will save ~$1,000 per year.
Having fewer programming choices feels oddly liberating!

Good for you!  I haven't been able to bring myself to do this yet.   It's only been on the list for ~1.5 years.

Trifele

  • Pencil Stache
  • ****
  • Posts: 616
  • Location: US
Re: Celebrations Thread
« Reply #1529 on: April 03, 2017, 02:54:12 AM »
Turned in the cable box this morning.  Finally we are internet-only and will save ~$1,000 per year.
Having fewer programming choices feels oddly liberating!

Good for you Thunderball!  Between the $ savings and the freedom from advertising, you will not regret it. 

Chairman

  • 5 O'Clock Shadow
  • *
  • Posts: 36
Re: Celebrations Thread
« Reply #1530 on: April 03, 2017, 08:17:02 AM »
DW and I joined the Two-Comma Club in investible assets this year. Then we bought a house. So summing up assets and liabilities, our net worth is about the same but our liquid assets have taken a $350k hit. Not sure if that means we are still in the club or not. (Actually, even if we count home equity in our net worth, we're temporarily out of the club because the purchasing and closing costs take us just below $1m again; but we should catch up again soon.)

Fearthebait

  • 5 O'Clock Shadow
  • *
  • Posts: 21
Re: Celebrations Thread
« Reply #1531 on: April 04, 2017, 01:10:54 PM »
Just hit 1000 miles on my car that I have owned for 3 1/2 months. Down from my previous 800 miles per month that I used to drive. I usually will backpack to work and plan out all my errands to happen once per week, if not once bi-weekly. Once my bike/Grocery trailer is ready, I can cut another 6-8 miles per week off my vehicle mileage.

jordanread

  • Walrus Stache
  • *******
  • Posts: 5843
  • Age: 32
  • Location: Colorado Springs
  • Live Long, Live Free, Drop Dead
    • Frugal FIRE Show
Re: Celebrations Thread
« Reply #1532 on: April 04, 2017, 01:32:25 PM »
Just hit 1000 miles on my car that I have owned for 3 1/2 months. Down from my previous 800 miles per month that I used to drive. I usually will backpack to work and plan out all my errands to happen once per week, if not once bi-weekly. Once my bike/Grocery trailer is ready, I can cut another 6-8 miles per week off my vehicle mileage.

Well done!
Join the cycling challenge!
Get in shape in 2017!
Frugal FIRE - Episode 2

"Mustachians rarely sit back and let things happen to them. Mustachians go out and happen to things."

Camp Mustache Canada - Sold Out Already!!

Dollar Slice

  • Handlebar Stache
  • *****
  • Posts: 2033
  • Age: 40
  • Location: New York City
Re: Celebrations Thread
« Reply #1533 on: April 07, 2017, 10:51:33 AM »
Just got access to a 401(k) plan for the first time in a number of years. There's no company match so I was expecting a shitty plan - and it's kind of shitty in that there is a .9% fee taken off the top... but! There are Vanguard admiral funds! *happy dance* The tax savings will be huge for me as I'm in NYC and paying local/state/fed with just the standard deduction.
...it's not at all alarming that people have started quoting me in their siggy lines.

Izybat

  • Stubble
  • **
  • Posts: 181
Re: Celebrations Thread
« Reply #1534 on: April 13, 2017, 06:52:40 PM »
Boom! Just sent the final payment on one of our credit cards. That's the third debt we've paid off since January. Only two more to go. I love the snowball method! (And random extra money getting thrown at us doesn't hurt.)

happy

  • Magnum Stache
  • ******
  • Posts: 3350
  • Location: NSW Australia
Re: Celebrations Thread
« Reply #1535 on: April 14, 2017, 09:18:23 PM »
Wow, some outstanding efforts here, well done everyone.
Journalling at Happy Aussie Downshifter

Rural

  • Magnum Stache
  • ******
  • Posts: 4120
Re: Celebrations Thread
« Reply #1536 on: April 15, 2017, 07:05:24 AM »
Turned down a promotion that would have increased compensation by about 25% and made my life a misery. No regrets, no angst. I wouldn't have minded the money, but we don't need it.

Cherry Lane

  • Pencil Stache
  • ****
  • Posts: 623
  • Location: Virginia
Re: Celebrations Thread
« Reply #1537 on: April 15, 2017, 03:32:18 PM »
Turned down a promotion that would have increased compensation by about 25% and made my life a misery. No regrets, no angst. I wouldn't have minded the money, but we don't need it.

Yes!  Prioritizing happiness over income.  Good for you!

Chairman

  • 5 O'Clock Shadow
  • *
  • Posts: 36
Re: Celebrations Thread
« Reply #1538 on: April 16, 2017, 09:14:15 AM »
Just realized we hit 100k in the 401k last week.

Chippewa

  • Magnum Stache
  • ******
  • Posts: 3457
  • Age: 44
  • Location: In the Poppy Fields
    • stupid debt
Re: Celebrations Thread
« Reply #1539 on: April 16, 2017, 10:27:50 AM »
Debt fell under the $70K mark
Networth hit the $50K mark

blog :: stupid debt or journal

damnedbee

  • 5 O'Clock Shadow
  • *
  • Posts: 29
Re: Celebrations Thread
« Reply #1540 on: April 21, 2017, 01:01:28 PM »
Investments hit $250,000 this week! Grow, little dollars, grow!

Saskatchewstachian

  • Stubble
  • **
  • Posts: 140
  • Age: 26
  • Location: SK
Re: Celebrations Thread
« Reply #1541 on: April 21, 2017, 01:55:33 PM »
Paid off my last debt this month (apart from mortgage)!!!! It was a facepunch worthy car that I bought when I got my first big kid job. Had a 30k loan on it at 0% but was only making 75k at the time, ouch.

But the debt is gone now and NEVER coming back for a vehicle purchase. :)

marielle

  • Bristles
  • ***
  • Posts: 475
  • Age: 24
  • Location: North Carolina
Re: Celebrations Thread
« Reply #1542 on: April 21, 2017, 01:59:12 PM »
Paid off my last debt this month (apart from mortgage)!!!! It was a facepunch worthy car that I bought when I got my first big kid job. Had a 30k loan on it at 0% but was only making 75k at the time, ouch.

But the debt is gone now and NEVER coming back for a vehicle purchase. :)

Don't feel too bad, a guy a work makes $12/hour and bought a used truck that will end up costing him $33k. The interest rate is 8.5% because he was 19 and had no credit. He ended up having to get another loan for tires.

Congrats on paying off debt!

BeautifulDay

  • Stubble
  • **
  • Posts: 181
Re: Celebrations Thread
« Reply #1543 on: April 21, 2017, 06:15:48 PM »
So this month we bought a house with 20% down.  The same week our car broke down requiring a $1000 repair.  We were able to pay all of that and still have a little left over in the emergency fund.  It's amazing what you can do when you live below your means!  Gotta replenish that emergency fund some, but we will do that in a matter of months.  Used to think it would take years to save a few months expenses.  Loving our new approach to finances.

Trifele

  • Pencil Stache
  • ****
  • Posts: 616
  • Location: US
Re: Celebrations Thread
« Reply #1544 on: April 21, 2017, 07:24:58 PM »
So this month we bought a house with 20% down.  The same week our car broke down requiring a $1000 repair.  We were able to pay all of that and still have a little left over in the emergency fund.  It's amazing what you can do when you live below your means!  Gotta replenish that emergency fund some, but we will do that in a matter of months.  Used to think it would take years to save a few months expenses.  Loving our new approach to finances.

That is awesome BeautifulDay. Congratulations!

pachnik

  • Handlebar Stache
  • *****
  • Posts: 1500
  • Age: 53
  • Location: Vancouver, BC
Re: Celebrations Thread
« Reply #1545 on: April 21, 2017, 07:48:53 PM »
Debt fell under the $70K mark
Networth hit the $50K mark

Wow!   Well done!

Abooki

  • 5 O'Clock Shadow
  • *
  • Posts: 40
  • Location: on a Safari to FIRE.
Re: Celebrations Thread
« Reply #1546 on: April 21, 2017, 08:24:01 PM »
Just paid off my last credit card payment. $6462  with $2700 payment to student loan debt monster( 55630$ now 52930$) making it  $9162 in 3 months

Discovered FIRE in late Dec thanks to my bf and drove in this January. And I can't imagine life without this mentality and now this community. 

DeskJockey2028

  • Bristles
  • ***
  • Posts: 323
  • Age: 44
  • Aiming for 2028
Re: Celebrations Thread
« Reply #1547 on: April 25, 2017, 10:02:57 AM »
Just tipped over $300k net worth this morning! Next week's mortgage payment and 403(b) contributions should get us a little more firmly over that! Also, I had set a goal for myself to have $118k invested by June - and as of this morning I'm $101 over that. :D

starjay

  • 5 O'Clock Shadow
  • *
  • Posts: 59
  • Location: SE USA
Re: Celebrations Thread
« Reply #1548 on: April 26, 2017, 09:35:23 AM »
Just paid off my last credit card payment. $6462  with $2700 payment to student loan debt monster( 55630$ now 52930$) making it  $9162 in 3 months

Discovered FIRE in late Dec thanks to my bf and drove in this January. And I can't imagine life without this mentality and now this community.

Whoo-hoo! Well done!

Saskatchewstachian

  • Stubble
  • **
  • Posts: 140
  • Age: 26
  • Location: SK
Re: Celebrations Thread
« Reply #1549 on: April 27, 2017, 08:28:30 AM »
Passed the 100k in home equity this month! Bought the house 16 months ago so it feels like great progress! Normal payments had it sitting at ~$99,400 in equity so I put in the extra $600 just so I didn't have to wait until next month to see six digits.