Author Topic: Celebrations Thread  (Read 1186305 times)

zeli2033

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Re: Celebrations Thread
« Reply #1800 on: September 06, 2018, 06:49:19 AM »
Congratulations, SquashingDebt! Nice job!!

SwordGuy

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Re: Celebrations Thread
« Reply #1801 on: September 06, 2018, 07:32:30 PM »
I now have 3 different properties providing rental home income.  :)
Expect to have 4 within 1 to 3 months.

Will

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Re: Celebrations Thread
« Reply #1802 on: September 06, 2018, 09:05:34 PM »
Big week for me - between a 3-paycheck August and my annual profit-sharing check and bonus check, I:

- hit $50k net worth
- paid off my last student loan!!!!!!!
- am opening my first Roth IRA this weekend

Why Roth?

SquashingDebt

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Re: Celebrations Thread
« Reply #1803 on: September 07, 2018, 06:17:26 AM »
Big week for me - between a 3-paycheck August and my annual profit-sharing check and bonus check, I:

- hit $50k net worth
- paid off my last student loan!!!!!!!
- am opening my first Roth IRA this weekend

Why Roth?


I make too much money to fully (or at all?) deduct traditional IRA contributions.

nereo

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Re: Celebrations Thread
« Reply #1804 on: September 07, 2018, 07:25:01 AM »
Mini celebration;  Student loans gone!
I had been holding on to them because they were subsidized during my PhD and then the rates were so low (sub 2%) until the Fed started raising rates. 
BUt they just broached 4% and by all accounts are heading higher so I sold some shares that I had put aside for that purpose and nixed them.

Honestly I'm of mixed feelings on this - sad to see my investment account drop by $17k but nice to have that monthly payment eliminated.  It probably would have been smarter to keep them for another 9 months but the cash was there and now its done and there's no reason to look back.

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Re: Celebrations Thread
« Reply #1805 on: September 07, 2018, 07:25:16 AM »
Solar panels were installed on the house yesterday!

I am so so so happy.  The county did a "group buy" deal, so while we didn't DIY, we got a discount on the panels and an industrial rate on the install.  I am so glad my frugalness has allowed me to splurge on something like this. The people doing the program said we were one of the few people who didn't also do the paperwork for a loan.  My neighbors (all with so many fancy things that it is tough to not want to keep up with the Jones's) all declined to join the program because those who looked into it said it was "way too expensive".  We have a 5 year payback period on it.  For things that I can spend my money on, clean energy seems like a great one!

The treehugger in me just can't stop smiling.
The spendy-pants in me is thinking "hmmm...now I could get the Leaf..."  (But that's not going to happen...)

I'm a red panda

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Re: Celebrations Thread
« Reply #1806 on: September 07, 2018, 07:25:52 AM »
Mini celebration;  Student loans gone!
I had been holding on to them because they were subsidized during my PhD and then the rates were so low (sub 2%) until the Fed started raising rates. 
BUt they just broached 4% and by all accounts are heading higher so I sold some shares that I had put aside for that purpose and nixed them.

Honestly I'm of mixed feelings on this - sad to see my investment account drop by $17k but nice to have that monthly payment eliminated.  It probably would have been smarter to keep them for another 9 months but the cash was there and now its done and there's no reason to look back.

Congrats!!!

nereo

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Re: Celebrations Thread
« Reply #1807 on: September 07, 2018, 10:52:36 AM »
Solar panels were installed on the house yesterday!
Awesome. 
We are stuck renting for the foreseeable future, so we haven't been able to install solar like we'd really like.  Pity, because right now the incentives in my state are pretty favorable, but set to expire.
Glad you are doing it!

SwordGuy

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Re: Celebrations Thread
« Reply #1808 on: September 08, 2018, 07:22:09 AM »
Just finished renovating a rental property and put it up for rent.   We have a prospective tenant applying for it already!

OtherJen

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Re: Celebrations Thread
« Reply #1809 on: September 14, 2018, 06:09:56 AM »
Someone suggested that I might want to share the following here, especially since I can't share it with off-line friends:

As of yesterday, husband and I have paid off just over $10,000 of home improvement/auto loan and credit card debt since last November. We have $2500 left on the low-interest auto loan, and then we'll just have the mortgage (~$56,000).

This seems unreal. I was raised to assume that people always had debt. Several of my good friends currently have scary debt. It's so freeing to learn that "normal" doesn't mean "good" or "inevitable."

SwordGuy

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Re: Celebrations Thread
« Reply #1810 on: September 14, 2018, 07:09:18 AM »
Someone suggested that I might want to share the following here, especially since I can't share it with off-line friends:

As of yesterday, husband and I have paid off just over $10,000 of home improvement/auto loan and credit card debt since last November. We have $2500 left on the low-interest auto loan, and then we'll just have the mortgage (~$56,000).

This seems unreal. I was raised to assume that people always had debt. Several of my good friends currently have scary debt. It's so freeing to learn that "normal" doesn't mean "good" or "inevitable."


@OtherJen , yeah, you!

OtherJen

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Re: Celebrations Thread
« Reply #1811 on: September 14, 2018, 07:17:07 AM »
Someone suggested that I might want to share the following here, especially since I can't share it with off-line friends:

As of yesterday, husband and I have paid off just over $10,000 of home improvement/auto loan and credit card debt since last November. We have $2500 left on the low-interest auto loan, and then we'll just have the mortgage (~$56,000).

This seems unreal. I was raised to assume that people always had debt. Several of my good friends currently have scary debt. It's so freeing to learn that "normal" doesn't mean "good" or "inevitable."


@OtherJen , yeah, you!

Thanks! Stay safe this weekend!

jengod

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Re: Celebrations Thread
« Reply #1812 on: September 16, 2018, 03:19:21 PM »
~$5,000 cap gain + dividend posted in investment account. seems like real money!

Manchester

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Re: Celebrations Thread
« Reply #1813 on: September 21, 2018, 05:52:56 AM »
I've been an MMM poster for a year now and I wanted to share my experience with anyone who's interested in this type of thing.   This is a celebration of both my wake-up call and the support I've received from you all (especially the race to 10k thread).


A year ago I'd just got back from Vegas for my sisters wedding.  In a place where money is thrown around like it means nothing, it couldn't have meant more to me.  You see, I'd just returned my expensive, flashy car at work.  I was paying over £500 per month to drive the thing.  It went back the day before I'd left.  I had a burning hole in my pocket.  A new car meant a new insurance policy, a deposit.  I knew my friends were speculating as to why I'd gone from a top spec Audi to a basic V/W without a bell or whistle in sight.  I felt embarrassed. 

Worse than this,  I had no savings, no investments.  I received my pay cheque and it would be gone, with nothing to show before the next.  I wasn't necessarily stupid with money (other than the car, face punches are welcome on that one).  I'd saved over £20k by the time I was 21.  I'd invested it into a property with my childhood sweetheart.  The equity we've built in the property in the past 2 and a half years was more than I earned in a year!   But that doesn't help you when you have what seems like a mountain of debt snowballing in your bank account.  No, I wasn't stupid, I just wanted to live like all my friends did, who earn good money but live at home with mum and dad.  I had no other choice than to rack up a few thousand £'s worth of debt on my credit card.  The 17.99% interest rate was nothing compared to the shame associated to asking my family for a loan.

I knew it was a ridiculous position to be in.  I wasn't' earning bad money, my girlfriend had a brilliant job!  The only thing preventing us from financial security was ourselves.  I used excuses like 'well we had to go to Vegas, it was my sister's wedding!!' 'I have to stay at Caesar's so I'm around my family, the cheaper hotels are too far away!'.  Another great one was 'Yeah the car is expensive, but when you're driving a 700 mile round trip for work it's important to be in something comfortable'.  Myself and my S/O had serious arguments about money.  I flat out refused to ask family for help.  My pride wouldn't allow it.  I clung on to a persona of a young man who'd done well for himself.  I wanted people to perceive I was wealthy and doing better than my school friends.  My favourite compliment was 'How on earth can you afford that car at your age'.  The truth was that I couldn't.

I signed up to this forum and decided to make a change. 

I started posting in the race to 10k thread.  It seemed like a good place to start.  My goal was to graduate by December 2018.  I immediately cut back on some luxuries, we started buying own-brand foods, less nights out, no new clothes and we saw the benefits quite quickly.  I was out of debt by December!  I'd even found an old pension pot I'd contributed too whilst working a part time job when I was younger (see, I'm not that stupid with money).  However the major issue was that I had no savings.  I knew if SHTF I'd have to rack up credit card debt again and the cycle would re-start.  A week before Christmas my girlfriend received a call, she'd been made redundant with no severance package.  She loved the job, it felt like a real kick in the teeth and we'd been put on the back foot.


She immediately sought new work, but it took time.  Over 4 months in total.  She's a very strong person, but she'd had a bereavement just before Christmas as and combined with a medical issue she had a really tough start to 2018.  Thankfully she'd managed to save a bit prior to being made redundant.  My N/W stagnated.  It's so frustrating to feel like you're living frugally, but not see the benefit.  I just kept on telling myself that I'm in a better position than I would have been had I not started this.

I drifted behind my targets.  The thought of graduating that 10k thread by December 2018 was fading, fast.  We got to April and BANG, everything changed.  My S/O received a job offer paying good money, the hard work I'd put in at work paid off and I got a pay rise + a new pension contribution scheme.  My first thought was to get to 3 months worth of living expenses saved.  I'd done that by June. 

This past year my N/W has increased by £9,483.  I have £0 owed on credit cards.  My pension is 6 times the size it was this time last year.  I've started a side hustle that's generated over £1k already.  If SHTF today, I'd have over 6 months worth of money to live on. 

I can't stress how different I feel today compared to last September.  I truly know that driving a nice car and wearing nice clothes offers no form of happiness.  It offers an ego boost that only the insecure rely on.  I know most of the people reading this will look at my £8k N/W and laugh, some of you have probably earnt that in the last week alone, but that £8k was unimaginable a year ago.  The support and focus I've received from this forum has been fundamental to reaching that.  I can assure you all that I WILL hit £10k by December.  From there, who knows. 

That financial worry in September 2017 was worth every penny.  It's led me here and from here I've learnt that I can buy happiness, just not in the same way that most people think. 

Thank you so much.




NinetyFour

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Re: Celebrations Thread
« Reply #1814 on: September 21, 2018, 06:11:41 AM »
What an awesome turnaround!!!

zeli2033

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Re: Celebrations Thread
« Reply #1815 on: September 21, 2018, 07:44:23 AM »
Manchester, your journey is awesome!! As a fellow poster in the net worth to 10k thread, I can attest to how encouraging that thread is, including watching you consistently keep at it.

Way to take the time and to have the perspective to celebrate the 180 degree turnaround. December graduation is right around the corner :)

Trifele

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Re: Celebrations Thread
« Reply #1816 on: September 21, 2018, 08:26:05 AM »
Just awesome @Manchester!  Your grit is paying off.  And you have the best NW graph of anyone on the forum.  :)

Glenstache

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Re: Celebrations Thread
« Reply #1817 on: September 22, 2018, 10:26:12 AM »
Thanks for posting that @Manchester. That turnaround is really something to celebrate. Looking forward to seeing you hit that 100k mark next!

Trifele

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Re: Celebrations Thread
« Reply #1818 on: September 22, 2018, 10:48:55 AM »
~$5,000 cap gain + dividend posted in investment account. seems like real money!

This is great @jengod!  Congrats on the nice batch of real money that your little green workers churned out!

jengod

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Re: Celebrations Thread
« Reply #1819 on: September 22, 2018, 05:08:37 PM »
~$5,000 cap gain + dividend posted in investment account. seems like real money!

This is great @jengod!  Congrats on the nice batch of real money that your little green workers churned out!

They're good little guys LOL!

BeautifulDay

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Re: Celebrations Thread
« Reply #1820 on: September 23, 2018, 07:54:44 AM »
That financial worry in September 2017 was worth every penny.  It's led me here and from here I've learnt that I can buy happiness, just not in the same way that most people think. 

Thanks for sharing your story. And congratulations on all the progress. Iím still working on the EF savings and Iím impressed with how quickly you got that in place.

zeli2033

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Re: Celebrations Thread
« Reply #1821 on: October 02, 2018, 09:15:46 AM »
I FINALLY HAVE ENOUGH POSTS FOR MUSTACHE BRISTLES!!!

In less exciting news, we were able to make the largest student loan payment-to-date to the tune of almost $5k. And DH just got a raise and bonus that pull our projected payoff date up by 1-2 months next year, pending how a few other things shake out. Pretty exciting stuff :)

dougules

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Re: Celebrations Thread
« Reply #1822 on: October 02, 2018, 10:51:19 AM »
I FINALLY HAVE ENOUGH POSTS FOR MUSTACHE BRISTLES!!!

In less exciting news, we were able to make the largest student loan payment-to-date to the tune of almost $5k. And DH just got a raise and bonus that pull our projected payoff date up by 1-2 months next year, pending how a few other things shake out. Pretty exciting stuff :)

Congrats.  You've got a little snowball rolling, and it just gets bigger from there. 

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Re: Celebrations Thread
« Reply #1823 on: October 02, 2018, 11:32:27 AM »
I received a job offer today:
  • $3,000 sign on bonus
  • +10% pay bump over current job
  • I hate my current position. I'm very excited about the new job/new company

I'm sitting here grinning all day, knowing I'm about to leave this blackhole. I'm going to sign and send in my formal acceptance tonight.

NinetyFour

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Re: Celebrations Thread
« Reply #1824 on: October 02, 2018, 11:35:22 AM »
I received a job offer today:
  • $3,000 sign on bonus
  • +10% pay bump over current job
  • I hate my current position. I'm very excited about the new job/new company

I'm sitting here grinning all day, knowing I'm about to leave this blackhole. I'm going to sign and send in my formal acceptance tonight.

AWESOME!!  Very happy for you!

SwordGuy

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Re: Celebrations Thread
« Reply #1825 on: October 02, 2018, 02:40:10 PM »
I got to be a teacher's assistant for a workshop at a major arts & crafts school for a week.  Not only did I have a great time, I learned a bunch too.

I've made more enameled pieces in the last month than I've made in the last 7 years.   Close to a hundred are done already and another 135 are 2/3rds done.   They are all simple color samples, but they still completed pieces.    Doing all this practice is dramatically improving my technical skill level.   I'm really excited!

Kay-Ell

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Re: Celebrations Thread
« Reply #1826 on: October 03, 2018, 01:01:40 PM »
I officially adopted my daughter!  She's 4 years old, and has been living with me through foster care for the past 18 months.  Now we are an official, legal, and permanent family! 

IsThisAGoodUsername

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Re: Celebrations Thread
« Reply #1827 on: October 03, 2018, 01:06:11 PM »
I officially adopted my daughter!  She's 4 years old, and has been living with me through foster care for the past 18 months.  Now we are an official, legal, and permanent family!

Congrats!

FamilyGuy

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Re: Celebrations Thread
« Reply #1828 on: October 03, 2018, 01:25:21 PM »
I started renting a room in my townhome.
Was not very optimistic thinking if people would really want to rent in that area. But did put an ad though.
Ten days after, got my first tenant/roommate. He seems to be a good & genuine person. Renting that room for $500 and utilities.

Glenstache

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Re: Celebrations Thread
« Reply #1829 on: October 03, 2018, 02:40:37 PM »
I officially adopted my daughter!  She's 4 years old, and has been living with me through foster care for the past 18 months.  Now we are an official, legal, and permanent family!
Wow. That is just really fantastic. :)

Pencil_Stash

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Re: Celebrations Thread
« Reply #1830 on: October 03, 2018, 02:46:06 PM »
My boyfriend is coming around!  He's terrible with money, but said he "felt bad for buying Subway because I didn't pack a lunch."

While before he thought I was crazy and it was too far from the norm to work, now he's starting to see the possibilities! ^_^

NinetyFour

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Re: Celebrations Thread
« Reply #1831 on: October 03, 2018, 02:53:47 PM »
My boyfriend is coming around!  He's terrible with money, but said he "felt bad for buying Subway because I didn't pack a lunch."

While before he thought I was crazy and it was too far from the norm to work, now he's starting to see the possibilities! ^_^

Excellent!!  :)

zeli2033

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Re: Celebrations Thread
« Reply #1832 on: October 03, 2018, 03:27:44 PM »
I officially adopted my daughter!  She's 4 years old, and has been living with me through foster care for the past 18 months.  Now we are an official, legal, and permanent family!
Wow. That is just really fantastic. :)

Agreed!!! Thatís awesome.

JCGreen

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Re: Celebrations Thread
« Reply #1833 on: October 03, 2018, 10:26:12 PM »
I officially adopted my daughter!  She's 4 years old, and has been living with me through foster care for the past 18 months.  Now we are an official, legal, and permanent family!
Wow. That is just really fantastic. :)

Agreed!!! Thatís awesome.

Awesome! Now just wait and see if he ends up more gurgle than you. 😀

11ducks

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Re: Celebrations Thread
« Reply #1834 on: October 14, 2018, 04:04:47 AM »
After setting some ambitious savings and NW goals this year, I was lucky enough to find a second job that worked well with my skillset/hours etc. I'm pretty tired at times but loving the chance to stash away cash and inch that freedom date closer!

I've saved every dollar I've made from my second job, to build a decent emergency fund. This week I passed the $5000 mark! My plan is to get it to $10k (hopefully by the end of the year). If I'm lucky the job will continue into 2019+, and i can use future earnings to boost my investments by $10k+ a year!

apkanne

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Re: Celebrations Thread
« Reply #1835 on: October 23, 2018, 12:46:11 PM »
Earlier this year I decided to apply to a new Project at work, I got the job, and even though it is a lateral move, i received a 10.7% raise. That is the highest i have ever gotten, and it puts me just under my salary goal i wanted to reach by 30, i am 27. Also, the salary put me at my Megacorps reported 'Med' salary for my job type, this is the first time that has happened, which melted away my feelings of being underpaid for the same work.

dougules

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Re: Celebrations Thread
« Reply #1836 on: October 23, 2018, 03:35:37 PM »
Earlier this year I decided to apply to a new Project at work, I got the job, and even though it is a lateral move, i received a 10.7% raise. That is the highest i have ever gotten, and it puts me just under my salary goal i wanted to reach by 30, i am 27. Also, the salary put me at my Megacorps reported 'Med' salary for my job type, this is the first time that has happened, which melted away my feelings of being underpaid for the same work.

Nice.  It's an even bigger percentage jump in your savings rate (assuming you don't change your spending). 

happy

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Re: Celebrations Thread
« Reply #1837 on: November 01, 2018, 02:52:45 PM »
On 6 months long service leave half pay. And maybe I won't have to go back.

couponvan

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Re: Celebrations Thread
« Reply #1838 on: November 01, 2018, 06:01:15 PM »
Got my biopsy back from lymph nodes this week. No cancer! 6 weeks off paid disability leave to recover and 2 extra months FMLA for good measure. For all the ladies out there - schedule those mammograms, and donít skimp there. Cancer treatments are expensive without insurance. My bill so far is $157, for one out of network nurse. Thatís worth its own celebration!!

NinetyFour

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Re: Celebrations Thread
« Reply #1839 on: November 02, 2018, 05:20:18 AM »
So so so happy for you!!!

I am doing annual mammograms.  :)

Glenstache

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Re: Celebrations Thread
« Reply #1840 on: November 02, 2018, 10:40:11 AM »
Got my biopsy back from lymph nodes this week. No cancer! 6 weeks off paid disability leave to recover and 2 extra months FMLA for good measure. For all the ladies out there - schedule those mammograms, and donít skimp there. Cancer treatments are expensive without insurance. My bill so far is $157, for one out of network nurse. Thatís worth its own celebration!!

Congrats. That is great news! I'd add in (for ladies and gents) to also get derm exams for melanoma. I picked up a few new surgery scars for lymph nodes and removals this year for that one. Catch it early!

SwordGuy

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Re: Celebrations Thread
« Reply #1841 on: November 06, 2018, 05:29:08 PM »
Rental #3, which I spent the summer renovating, is now rented out.  Hurray!

Dogastrophe

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Re: Celebrations Thread
« Reply #1842 on: November 08, 2018, 12:29:48 PM »
I just placed my first ever trade to purchase an ETF for my RRSP account!

dougules

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Re: Celebrations Thread
« Reply #1843 on: November 08, 2018, 02:23:12 PM »
I just placed my first ever trade to purchase an ETF for my RRSP account!

With any luck the first of many. 

Dogastrophe

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Re: Celebrations Thread
« Reply #1844 on: November 08, 2018, 04:00:13 PM »
I just placed my first ever trade to purchase an ETF for my RRSP account!

With any luck the first of many.

It will be.  We are pulling all $$ out of current high mer mutual funds and going to look after on our own.

Trifele

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Re: Celebrations Thread
« Reply #1845 on: November 08, 2018, 04:36:07 PM »
Rental #3, which I spent the summer renovating, is now rented out.  Hurray!

Congrats @SwordGuy -- this is great!  You and @sammybiker are my heroes.  I'm a groupie and wanna-be landlord.


LD_TAndK

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Re: Celebrations Thread
« Reply #1846 on: November 13, 2018, 04:59:26 AM »
Just wrapped up my second year biking to work:
Biked  Miles   Drove  Percent Biked
Year 1: 18729405178.57
Year 2:21134462888.28
Total:39863867983.44

The bad is I've had several stressful and threatening encounters with drivers (and a police officer) that I've lost sleep over and made me subconsciously view all drivers as potential enemies (good for my safety but bad for my mental health).

The good is I'm in great shape, I've saved about ~200 gallons of gasoline from entering the atmosphere, I've gone from afraid to replace a chain to a competent bike mechanic and I've discovered a new hobby and am part of the local riding club.

dougules

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Re: Celebrations Thread
« Reply #1847 on: November 13, 2018, 11:08:53 AM »
Just wrapped up my second year biking to work:
Biked  Miles   Drove  Percent Biked
Year 1: 18729405178.57
Year 2:21134462888.28
Total:39863867983.44

The bad is I've had several stressful and threatening encounters with drivers (and a police officer) that I've lost sleep over and made me subconsciously view all drivers as potential enemies (good for my safety but bad for my mental health).

The good is I'm in great shape, I've saved about ~200 gallons of gasoline from entering the atmosphere, I've gone from afraid to replace a chain to a competent bike mechanic and I've discovered a new hobby and am part of the local riding club.

Awesome.  I used to bike a lot when I worked closer to home, but I'm a bit further now on not-so-bike-friendly roads.  I've biked a few times when I had to work on a Saturday, but it's a significant effort.  Biking that far also aggravates an illness.  FIRE should reduce my driving quite a bit.  Most of the rest of my life is within a much more bikable circle. 

JCGreen

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Re: Celebrations Thread
« Reply #1848 on: November 17, 2018, 01:45:25 AM »
Hospital financial aid paid all of my bill after insurance! It was a little over $3000 from an ER visit.

I spent about 2 hours collection documents and talking to people. Turns out, my annual salary was just under the limit to qualify (good and bad). It didn't even matter that my HSA had enough money to fully cover the bill. I was originally just trying to get it reduced, as I thought it was a little excessive.  There were a few separate bills for the ER doc and imaging consultant, but they were both about $20, so I just paid it.

Trifele

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Re: Celebrations Thread
« Reply #1849 on: December 07, 2018, 03:23:58 AM »
Today marks my three year anniversary since I was diagnosed with cancer!  Still feeling great and no evidence of disease -- NED, as they say. 

Cheers [raises cup of coffee] to all you other fighters out there, and your supporting family members. I would not have gotten here in one piece if it weren't for my husband, the best man in the world.