Author Topic: Celebrations Thread  (Read 852891 times)

grantmeaname

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Re: Celebrations Thread
« Reply #1900 on: February 13, 2019, 03:35:06 PM »
WOW! Every word of that is seriously badass. Congrats :)

Trifele

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Re: Celebrations Thread
« Reply #1901 on: February 14, 2019, 04:07:19 AM »
^+1.  Hope you will post more in the future @oxide23 !

okonumiyaki

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Re: Celebrations Thread
« Reply #1902 on: February 17, 2019, 02:51:32 AM »
My wife is cancer free, and I just handed in my notice!

Trifele

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Re: Celebrations Thread
« Reply #1903 on: February 17, 2019, 04:05:30 AM »
Huge congratulations @okonomiyaki !!!  Good luck to you both!

Freckles

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Re: Celebrations Thread
« Reply #1904 on: February 17, 2019, 09:25:40 AM »
My wife is cancer free, and I just handed in my notice!

Wow, that is something to celebrate! Congratulations to you both.

JanetJackson

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Re: Celebrations Thread
« Reply #1905 on: February 19, 2019, 11:58:44 AM »
Somehow I never noticed this thread before. 
Since digging my heels in harder on frugality, career, business, and finance the last 2-ish years:

>My student loans are almost gone.
>I got my savings rate to a consistent 40-50%.
>I got a 7% raise at my Day Job in year one, then got a promotion this year.
>I grew my side business and doubled my gross income from this side hustle business.
>I'm closing on a house next Thursday (750sq ft, good options to house-hack).
>Although she's had a few stumbling blocks, my amazing resilient rescue dog remains cancer-free after 2017 treatment.


Thanks for reading. <3
It's been a hard few years, so I needed to celebrate. 
Gotta admit, I don't know if there's enough focus on how hard it is to live a forward-focused FI/RE (I'm neither, just a frugal person hoping to have a funded lifestyle change in a few years) life.  Accomplishments are worth celebrating because they're hard.

diapasoun

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Re: Celebrations Thread
« Reply #1906 on: February 19, 2019, 01:24:22 PM »
Hell yes, JanetJackson. <3

Chrissy

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Re: Celebrations Thread
« Reply #1907 on: February 19, 2019, 02:08:52 PM »
Wow, that's amazing, JanetJackson!  Way to go.

haflander

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Re: Celebrations Thread
« Reply #1908 on: February 19, 2019, 03:26:23 PM »
Paid off my stupid car loan and then immediately updated my signature below and posted here :) Absolutely zero debt...not yet settled enough for a mortgage at this point. Paid off student loans in Feb 2018. Next up: finish funding a very healthy and conservative EF/FU fund by March due to no $ going to debt. THEN I can finally start the journey of opening a Vanguard account and investing.

Finished funding my EF/FU fund to 17500. I preferred a very big number for several different personal reasons. If only used for expenses in case of unemployment, I'd imagine I could live off this alone for 6 months or more. I'll keep this in the same online "high yield" savings account for now, currently at 2.25%. I'd also use this for any normal emergencies such as car repair, injury, vet costs. Another reason I wanted a high # is that I will consider dipping into it for bigger purchases. Paying for a used car in cash (not planned, but in case of accident), or a down payment for a house. Maybe even wedding expenses or a honeymoon, although I don't want to count chickens before they hatch (not engaged). I'd use the EF/FU fund for any of the above instead of a CC, and then pay myself back up to 17.5 instead of paying interest on a CC or other loan.

I don't ascribe to DR's snowball method, but the past year has felt very similar in terms of financial success hastening the next goal, having an exponential effect. I started this EF/FU fund with only 5k in April 2018, so sent 12k to savings alone in 10 months. Paying off the SL and car loan just left more $ available to save.

Next, I want to cash flow some important things that were previously delayed before then starting the investing journey. Car maintenance (tires, brakes, alignment) and vacations (TBD, maybe 1 domestic and 1 international).

CoffeeAndDonuts

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Re: Celebrations Thread
« Reply #1909 on: February 19, 2019, 07:48:43 PM »
Awesomely good stuff @JanetJackson, @oxide23, @okonumiyaki!

Especially the Saab stuff. I've owned 5.

Drawn here myself after meeting this morning with the major shareholder of the company that we combined with. We had a couple things to chat about that could only be fairly understood if I put it all out there - namely that they needed someone in my position but that I wasn't the right person and that despite my attempts to signal as such, it may have been missed. Further, that the conditions that I'd find enjoyable long term make make me unemployable not just there but everywhere.

It was a really hard series of things to say and admit about my own interests and limitations after two decades building and selling a business. The simple grace shown by the major shareholder in calmly listening was amazing and relieving.

I feel so much weight lifted by merely having cleared the air. We've got some work figuring out how the next year goes but we're doing so in good faith.

There's no discrete change today but it's a big and necessary step nonetheless.

Thanks for listening... We're not sharing the changes in my role for another 2-4 months and the future beyond that is murkier yet but closer than ever to a change that's been a long time coming.

CoffeeAndDonuts

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Re: Celebrations Thread
« Reply #1910 on: February 19, 2019, 07:51:27 PM »
Internet timeout...duplicate post. So sorry!
« Last Edit: February 19, 2019, 07:55:26 PM by CoffeeAndDonuts »

CoffeeAndDonuts

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Re: Celebrations Thread
« Reply #1911 on: February 19, 2019, 07:46:35 PM »
Internet timeout...duplicate post. So sorry!
« Last Edit: February 19, 2019, 08:00:45 PM by CoffeeAndDonuts »

Glenstache

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Re: Celebrations Thread
« Reply #1912 on: February 22, 2019, 05:52:40 PM »
Rolled over the odometer on the combined retirement accounts today. I only made it $56 past that row of zeroes, so I expect that market fluctuations will take it back down (and up) again by my next contribution but it still feels like a good waypost on the way!

dougules

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Re: Celebrations Thread
« Reply #1913 on: February 25, 2019, 11:40:56 AM »
Rolled over the odometer on the combined retirement accounts today. I only made it $56 past that row of zeroes, so I expect that market fluctuations will take it back down (and up) again by my next contribution but it still feels like a good waypost on the way!

Congrats!

If it does go back down, all the better because your next purchase will be cheaper. 

CindyBS

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Re: Celebrations Thread
« Reply #1914 on: March 04, 2019, 05:08:38 PM »
I started a new job last week after being out of work for 2.5 years!! 

I had to quit my job to care for my teenage son when he got cancer in 2016.  He is doing much better and has been well enough for me to return to work. 

It is nice to get out of the house and not be a full time caregiver anymore.  The money won't hurt either. :-)   We still managed to save 1/3 of our income when he was sick, and we project FIRE will only be delayed by 2 years because of this. 

zeli2033

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Re: Celebrations Thread
« Reply #1915 on: March 04, 2019, 05:45:33 PM »
I started a new job last week after being out of work for 2.5 years!! 

I had to quit my job to care for my teenage son when he got cancer in 2016.  He is doing much better and has been well enough for me to return to work. 

It is nice to get out of the house and not be a full time caregiver anymore.  The money won't hurt either. :-)   We still managed to save 1/3 of our income when he was sick, and we project FIRE will only be delayed by 2 years because of this.

Congratulations!!!! That's fantastic news after taking time away to care for your family. And how awesome to have been able to save and still be on the path to FIRE!

SwordGuy

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Re: Celebrations Thread
« Reply #1916 on: March 04, 2019, 08:57:53 PM »
We're finishing up the work we need to do on Rental #4 tomorrow.  We'll have a carpet cleaning company come in and then rent it out.  (Or, worse case, put it up for rent and contract for some new carpet before it gets occupied.)

Yeah!

dougules

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Re: Celebrations Thread
« Reply #1917 on: March 05, 2019, 09:05:58 AM »
I started a new job last week after being out of work for 2.5 years!! 

I had to quit my job to care for my teenage son when he got cancer in 2016.  He is doing much better and has been well enough for me to return to work. 

It is nice to get out of the house and not be a full time caregiver anymore.  The money won't hurt either. :-)   We still managed to save 1/3 of our income when he was sick, and we project FIRE will only be delayed by 2 years because of this.

Good news on three fronts!  I can't imagine what a relief that is. 

We're finishing up the work we need to do on Rental #4 tomorrow.  We'll have a carpet cleaning company come in and then rent it out.  (Or, worse case, put it up for rent and contract for some new carpet before it gets occupied.)

Yeah!

Congrats.

onlykelsey

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Separation Agreement
« Reply #1918 on: March 13, 2019, 11:24:20 AM »
Sort of a bittersweet thing, but I got my separation agreement signed this week and will officially be a divorced single mom in a couple weeks!  My ex is not an evil man, but I am very glad we are (about to be) not married anymore.  Onward and upward!

diapasoun

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Re: Separation Agreement
« Reply #1919 on: March 13, 2019, 12:03:29 PM »
Sort of a bittersweet thing, but I got my separation agreement signed this week and will officially be a divorced single mom in a couple weeks!  My ex is not an evil man, but I am very glad we are (about to be) not married anymore.  Onward and upward!

Bittersweet indeed, but I hope that you're feeling a lot lighter and more excited about the future!

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rebel_quietude

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Re: Celebrations Thread
« Reply #1920 on: March 18, 2019, 04:11:38 PM »
First - @CindyBS . You are a total badass. Wow, I am in awe.
Looking forward to seeing you and your family to pwn it like the superheroes you are.

onlykelsey - good luck starting a new, footloose and joyful chapter!

Also- after ten years of saving to my IRA and taxable brokerage, I'm finally Voyager Select client at Vanguard. It's the little victories!


onlykelsey

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Re: Celebrations Thread
« Reply #1921 on: March 19, 2019, 07:38:56 AM »
First - @CindyBS . You are a total badass. Wow, I am in awe.
Looking forward to seeing you and your family to pwn it like the superheroes you are.

onlykelsey - good luck starting a new, footloose and joyful chapter!

Also- after ten years of saving to my IRA and taxable brokerage, I'm finally Voyager Select client at Vanguard. It's the little victories!

Congrats!  Had to look that up.  It looks like I am currently just a "Voyager Client", and will remain one as I'm about to pull money for a down payment.  Are you going to talk to one of their CFPs?

couponvan

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Re: Celebrations Thread
« Reply #1922 on: March 20, 2019, 03:02:46 PM »
I turned in my resignation!! 3/29/19 will be the start of what I am calling a "smoke break" on the way to FIRE! I'm giving myself through September to see if I like smoking so much I fan the FIRE and make it permanent. Puns intended!

(Popularly known as a SAHP since the DH is still working and we have 2 kids at home....However they are high schoolers, and don't really need me to stay at home.)

happy

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Re: Celebrations Thread
« Reply #1923 on: March 20, 2019, 03:31:37 PM »
I wrote my letter of resignation and retirement recently too! Feels great :)

onlykelsey

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Re: Separation Agreement
« Reply #1924 on: March 21, 2019, 04:16:09 AM »
Sort of a bittersweet thing, but I got my separation agreement signed this week and will officially be a divorced single mom in a couple weeks!  My ex is not an evil man, but I am very glad we are (about to be) not married anymore.  Onward and upward!

Still waiting on the stamped paperwork, but a new celebration is that I am about to accept a job earning ~45% what I do post-tax, because at 900K and 32 I don't need to work like this anymore.  I'm sure single parenting will fill up a lot of my newly free time, but I'm so, so excited for a change.

dougules

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Re: Celebrations Thread
« Reply #1925 on: March 21, 2019, 04:25:39 PM »
I wrote my letter of resignation and retirement recently too! Feels great :)

Wow.  I'm jealous.
« Last Edit: March 21, 2019, 04:28:25 PM by dougules »

SwordGuy

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Re: Celebrations Thread
« Reply #1926 on: March 21, 2019, 07:44:10 PM »
Have started teaching metalworking and enameling classes again.  Just got two new students.  :)

Suelavie

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Re: Celebrations Thread
« Reply #1927 on: March 22, 2019, 02:20:13 PM »
Congrats all !

I just began this week a super list of all the ways I can think of to reduce spending or get back some money.

More than 60 ideas, a large majority of them coming from this forum.  I will attack the items of the list one by one. 

Today, I recovered almost 500$ of "Boni-dollars"from Credit Cards that I finally put in my RRSP, after years of doing anything with them.

It is so exciting! (my list includes "Categories", "Action required", "Required Level of effort", "Frequency of required effort", "Level of impact on comfort", "Level of risk" and then the cool colums: "Monthly saving", "Annual Savings", "10 years Savings")

Yeah!
« Last Edit: March 22, 2019, 02:23:04 PM by Suelavie »

arebelspy

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Re: Celebrations Thread
« Reply #1928 on: April 10, 2019, 05:36:13 PM »
Today I hit 100 days in a row of doing my daily habits/routines that I implemented a few months back.
We are two former teachers who accumulated a bunch of real estate, retired at 29, spent some time traveling the world full time and are now settled with two kids.
If you want to know more about us, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (rarely) blog at AdventuringAlong.com. Check out our Now page to see what we're up to currently.

nereo

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Re: Celebrations Thread
« Reply #1929 on: April 10, 2019, 05:42:34 PM »
Today I hit 100 days in a row of doing my daily habits/routines that I implemented a few months back.
Congrats!  What are your new daily habits and routine?

Cherry Lane

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Re: Celebrations Thread
« Reply #1930 on: April 10, 2019, 06:52:31 PM »
Today I hit 100 days in a row of doing my daily habits/routines that I implemented a few months back.

Good for you!  It's been a year or so since I've made a real effort at this.  I should get back to it.

arebelspy

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Re: Celebrations Thread
« Reply #1931 on: April 10, 2019, 07:42:35 PM »
Today I hit 100 days in a row of doing my daily habits/routines that I implemented a few months back.
Congrats!  What are your new daily habits and routine?

Various things like: 10 minutes Meditation, 20-30 minutes fiction reading, 20-30 minutes nonfiction reading (books, not Internet), small workout, extra pushups, gratitude journal, some sort of "work" for the day, etc. I also have some bi-weekly and monthly habits on there. (And a few things I put in just to remind me/track, like daily multivitamin.)

I use the Android app "Loop - Habit Tracker". Totally free, open source, no ads, and very simple/usable design. I'm a fan.
We are two former teachers who accumulated a bunch of real estate, retired at 29, spent some time traveling the world full time and are now settled with two kids.
If you want to know more about us, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (rarely) blog at AdventuringAlong.com. Check out our Now page to see what we're up to currently.

MonkeyJenga

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Re: Celebrations Thread
« Reply #1932 on: April 10, 2019, 08:08:38 PM »
Today I hit 100 days in a row of doing my daily habits/routines that I implemented a few months back.
Congrats!  What are your new daily habits and routine?

Various things like: 10 minutes Meditation, 20-30 minutes fiction reading, 20-30 minutes nonfiction reading (books, not Internet), small workout, extra pushups, gratitude journal, some sort of "work" for the day, etc. I also have some bi-weekly and monthly habits on there. (And a few things I put in just to remind me/track, like daily multivitamin.)

I use the Android app "Loop - Habit Tracker". Totally free, open source, no ads, and very simple/usable design. I'm a fan.

Ooohh I'm gonna celebrate my fancy new phone that has room for more than 1 app at a time by trying this out myself!

MommyCake

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Re: Celebrations Thread
« Reply #1933 on: April 29, 2019, 04:48:10 AM »
Recently I gave notice at my stable government job because I've been unhappy for several years.

In two weeks I will be starting a new, lower-paying position that I think I will love. 

zeli2033

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Re: Celebrations Thread
« Reply #1934 on: April 30, 2019, 08:00:45 AM »
Today I paid off our Student Loan Balance. It took 14 months to pay off ~63k. So grateful we found MMM!

We are officially debt free!

couponvan

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Re: Celebrations Thread
« Reply #1935 on: April 30, 2019, 01:27:54 PM »
Today I paid off our Student Loan Balance. It took 14 months to pay off ~63k. So grateful we found MMM!

We are officially debt free!

CONGRATULATIONS!!! It will feel good every year from now on out when people complain about their student loans while driving a fancy car sipping a Starbucks.  Or at least that's how DH and I feel.

Trifele

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Re: Celebrations Thread
« Reply #1936 on: April 30, 2019, 02:26:39 PM »
Congratulations on your new job @MommyCake!  Wishing you lots of happiness in the new role.

@zeli2033 -- Congrats on killing the student loans!  You will fly light and free after this. 

:)

zeli2033

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Re: Celebrations Thread
« Reply #1937 on: April 30, 2019, 03:50:31 PM »
Thanks, @couponvan and @Trifele! We feel lighter already :)

dougules

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Re: Celebrations Thread
« Reply #1938 on: April 30, 2019, 04:06:56 PM »
Today I paid off our Student Loan Balance. It took 14 months to pay off ~63k. So grateful we found MMM!

We are officially debt free!

It feels good, doesn't it?

BobTheBuilder

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Re: Celebrations Thread
« Reply #1939 on: May 04, 2019, 12:59:11 PM »
I just wanted to celebrate that the physics in my last MRI experiment for my ph.d. thesis worked out exactly as I assumed, the data looks almost too good to be true.

Although I am still writing on this chapter, I am thrilled. That work nearly got the best of me. But so happy it was not all in vain. I can map a dynamic process with the time resolution of method a) and the dynamic range of method b), combining the strenghts and elimating the weaknesses of each method. 
« Last Edit: May 04, 2019, 01:00:57 PM by BobTheBuilder »

SwordGuy

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Re: Celebrations Thread
« Reply #1940 on: May 04, 2019, 01:34:52 PM »
I just wanted to celebrate that the physics in my last MRI experiment for my ph.d. thesis worked out exactly as I assumed, the data looks almost too good to be true.

Although I am still writing on this chapter, I am thrilled. That work nearly got the best of me. But so happy it was not all in vain. I can map a dynamic process with the time resolution of method a) and the dynamic range of method b), combining the strenghts and elimating the weaknesses of each method.

And don't forget to patent it if you can.

BobTheBuilder

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Re: Celebrations Thread
« Reply #1941 on: May 05, 2019, 10:00:59 AM »
I just wanted to celebrate that the physics in my last MRI experiment for my ph.d. thesis worked out exactly as I assumed, the data looks almost too good to be true.

Although I am still writing on this chapter, I am thrilled. That work nearly got the best of me. But so happy it was not all in vain. I can map a dynamic process with the time resolution of method a) and the dynamic range of method b), combining the strenghts and elimating the weaknesses of each method.

And don't forget to patent it if you can.

I like your thinking! And the A-Team reference!

SwordGuy

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Re: Celebrations Thread
« Reply #1942 on: May 05, 2019, 10:12:33 AM »
I just wanted to celebrate that the physics in my last MRI experiment for my ph.d. thesis worked out exactly as I assumed, the data looks almost too good to be true.

Although I am still writing on this chapter, I am thrilled. That work nearly got the best of me. But so happy it was not all in vain. I can map a dynamic process with the time resolution of method a) and the dynamic range of method b), combining the strenghts and elimating the weaknesses of each method.

And don't forget to patent it if you can.

I like your thinking! And the A-Team reference!

I'm in the Vanguard of science student career advisors.  My fees are only 0.04% of your royalties. :)

okcisok

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Re: Celebrations Thread
« Reply #1943 on: June 22, 2019, 11:36:15 PM »
Went from a net worth of about $20,000 two years ago, to just rolling over to $80,000 yesterday! I found the Frugalwoods and MMM and Donna Freedman, and made a lot of lifestyle changes. Including taking a lower-paying but less stressful job. So I've managed to save more in the last two years than I did in the last ten, all while making less money!

My investment income will change, but as of now each month's income would pay my housing costs. That's an incredible feeling, to know that I could lose my job or go to part-time, and I could still have a great standard of living! I stress so much less at work, knowing I don't HAVE TO HAVE this job. But it is really nice to have, to keep beefing up my investments!

dougules

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Re: Celebrations Thread
« Reply #1944 on: June 24, 2019, 10:20:57 AM »
Went from a net worth of about $20,000 two years ago, to just rolling over to $80,000 yesterday! I found the Frugalwoods and MMM and Donna Freedman, and made a lot of lifestyle changes. Including taking a lower-paying but less stressful job. So I've managed to save more in the last two years than I did in the last ten, all while making less money!

My investment income will change, but as of now each month's income would pay my housing costs. That's an incredible feeling, to know that I could lose my job or go to part-time, and I could still have a great standard of living! I stress so much less at work, knowing I don't HAVE TO HAVE this job. But it is really nice to have, to keep beefing up my investments!

Less stress is the best thing money can buy. 

Glenstache

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Re: Celebrations Thread
« Reply #1945 on: June 24, 2019, 05:47:23 PM »
Took advantage of the low interest rates and closed on a house today. Just big enough for what we need, and zero plans to expand to anything bigger in the future. Still a bit of a tough gut check to buy in Seattle, but the price and situation works favorably relative to renting.

hodge

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Re: Celebrations Thread
« Reply #1946 on: June 28, 2019, 08:34:11 AM »
With today's paycheck, I crossed the $200,000 net worth mark! Found MMM in May 2013, when I was fresh out of grad school and had negative net worth from student loans. Salary growth (higher ed) in those years went 34k, 36k, 50k, 52k, 55k, 70k, 72k. Savings rate is currently hovering around 40% -- still a lot of work to do on that front, but it feels good to be making real progress.

nereo

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Re: Celebrations Thread
« Reply #1947 on: June 28, 2019, 11:03:05 AM »
With today's paycheck, I crossed the $200,000 net worth mark! Found MMM in May 2013, when I was fresh out of grad school and had negative net worth from student loans. Salary growth (higher ed) in those years went 34k, 36k, 50k, 52k, 55k, 70k, 72k. Savings rate is currently hovering around 40% -- still a lot of work to do on that front, but it feels good to be making real progress.

Good work!  Now comes the boring part... just keeping on, keeping on, til you hit your FI number.

Trifele

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Re: Celebrations Thread
« Reply #1948 on: June 29, 2019, 04:35:36 AM »
With today's paycheck, I crossed the $200,000 net worth mark! Found MMM in May 2013, when I was fresh out of grad school and had negative net worth from student loans. Salary growth (higher ed) in those years went 34k, 36k, 50k, 52k, 55k, 70k, 72k. Savings rate is currently hovering around 40% -- still a lot of work to do on that front, but it feels good to be making real progress.

Good work!  Now comes the boring part... just keeping on, keeping on, til you hit your FI number.

Great job @hodge!  Nereo's right.  This next part on the journey is weird.  You may have this odd restless feeling, like you're not doing enough.  That's because all the low-hanging opportunities have been grabbed.  The trick at that stage is to sort of forget about the money for a while, and just live your life.  The buckets are filling up; they don't need you to watch them.  :)
« Last Edit: June 29, 2019, 05:00:40 PM by Trifele »

Trifele

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Re: Celebrations Thread
« Reply #1949 on: June 29, 2019, 04:36:57 AM »
Took advantage of the low interest rates and closed on a house today. Just big enough for what we need, and zero plans to expand to anything bigger in the future. Still a bit of a tough gut check to buy in Seattle, but the price and situation works favorably relative to renting.

Fantastic @Glenstache -- congrats!  Right-sizing your housing is one of the biggest moves we can make to optimize finances.