Author Topic: Celebrations Thread  (Read 339545 times)

dusty

  • 5 O'Clock Shadow
  • *
  • Posts: 85
  • Age: 35
  • Location: Sydney / NFA
Re: Celebrations Thread
« Reply #800 on: November 05, 2014, 11:46:23 PM »
On Saturday 1 Nov 14 I hit the 10 year mark (half way) on my planned 20 years of Military Service.

I have now completed 14 years service, (mixture of Reserve and regular) but this only counts as 10 years of effective service for superannuation purposes.

Anyway, I have my plan and it feels good to tick of this milestone knowing there is a light at the end of my proffesional career.  No plodding along aimlessly to 50, 60 or even 65 years of age for me.

cheers

G-dog

  • Magnum Stache
  • ******
  • Posts: 4254
Re: Celebrations Thread
« Reply #801 on: November 06, 2014, 05:48:56 PM »
I finally took a lot of change I had been collecting long ago and deposited it in the bank - about $280 in change.  I also got check in a class action suit - $30, so almost $300 to the bank!

Not a lot, but it still makes me happy!
How much did that change weigh?

I wondered that too! I was wondering how well weight would predict the cash total. I didn't weigh it, but I would guess it was 10-15 pounds. One bucket was quarters, I bet I can find something online re: weight/coin.

G-dog

  • Magnum Stache
  • ******
  • Posts: 4254
Re: Celebrations Thread
« Reply #802 on: November 06, 2014, 05:53:46 PM »
I finally took a lot of change I had been collecting long ago and deposited it in the bank - about $280 in change.  I also got check in a class action suit - $30, so almost $300 to the bank!

Not a lot, but it still makes me happy!
How much did that change weigh?

I wondered that too! I was wondering how well weight would predict the cash total. I didn't weigh it, but I would guess it was 10-15 pounds. One bucket was quarters, I bet I can find something online re: weight/coin.

Back from the Internet $100 in quarters would weigh 5 lb, I had $190 in quarters, so that's almost 10 pounds there. So closer to 15-17 lbs. with the coin mix.

Gin1984

  • Magnum Stache
  • ******
  • Posts: 4105
Re: Celebrations Thread
« Reply #803 on: November 09, 2014, 04:35:14 PM »
I now have one year's expenses minus health insurance and daycare in my retirement account!  Now for the next 24 years!

Kriegsspiel

  • Pencil Stache
  • ****
  • Posts: 994
Re: Celebrations Thread
« Reply #804 on: November 10, 2014, 03:20:51 PM »
I deadlifted 500 lbs this weekend. I'm not a gifted puller; it took me a long time to crack the 500 lb barrier.

G-dog

  • Magnum Stache
  • ******
  • Posts: 4254
Re: Celebrations Thread
« Reply #805 on: November 10, 2014, 07:22:24 PM »
I deadlifted 500 lbs this weekend. I'm not a gifted puller; it took me a long time to crack the 500 lb barrier.

Whoa! Congratulations, I can't even imagine what this is like! That is serious.

marty998

  • Magnum Stache
  • ******
  • Posts: 4153
  • Location: Sydney, Oz
Re: Celebrations Thread
« Reply #806 on: November 12, 2014, 03:14:26 AM »
Woohoo, scored a 17.5% pay rise today!




Neustache

  • Handlebar Stache
  • *****
  • Posts: 1052
Re: Celebrations Thread
« Reply #807 on: November 12, 2014, 05:59:42 AM »
^^Nice!!! 


Hubby had a review, they told him to expect to be on a management track.  It's nice thinking he can say "no" to that in the future if that's not what he wants to do.  But it was also really nice to know they consider him someone capable of moving down the career track. 

NinetyFour

  • Magnum Stache
  • ******
  • Posts: 4215
  • Location: Southwestern US
  • 391 days until Freedom!
Re: Celebrations Thread
« Reply #808 on: November 12, 2014, 08:24:07 AM »
My celebration for today is that my cash plus investments (retirement funds, Roth, inherited IRA) have exceeded $300,000 this week!

And more reason to celebrate:  my cash plus investments, as of 11/4/14, exceeded $350,000.
My Journal

Countdown to Freedom:  391 days (1 year, 26 days)

arebelspy

  • Administrator
  • Senior Mustachian
  • *****
  • Posts: 24478
  • Age: -999
  • Location: Traveling the World
Re: Celebrations Thread
« Reply #809 on: November 12, 2014, 10:34:40 AM »
My celebration for today is that my cash plus investments (retirement funds, Roth, inherited IRA) have exceeded $300,000 this week!

And more reason to celebrate:  my cash plus investments, as of 11/4/14, exceeded $350,000.

Dang, 50k in 8 months is pretty darn good!
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

NinetyFour

  • Magnum Stache
  • ******
  • Posts: 4215
  • Location: Southwestern US
  • 391 days until Freedom!
Re: Celebrations Thread
« Reply #810 on: November 12, 2014, 12:35:29 PM »
My celebration for today is that my cash plus investments (retirement funds, Roth, inherited IRA) have exceeded $300,000 this week!

And more reason to celebrate:  my cash plus investments, as of 11/4/14, exceeded $350,000.

Dang, 50k in 8 months is pretty darn good!

Thanks!

I haven't calculated my savings rate for a while, but for Jan - Aug of 2014, it was 79%.  Amazing what a high savings rate can do for one's account balances!

My Journal

Countdown to Freedom:  391 days (1 year, 26 days)

10dollarsatatime

  • Bristles
  • ***
  • Posts: 436
  • Age: 32
  • Location: Utah
Re: Celebrations Thread
« Reply #811 on: November 12, 2014, 02:44:50 PM »
Paid off another Student Loan... 3 more to go.  Sometimes I wish I could go back and bitch slap 21 year old me... ;)

TrulyStashin

  • Handlebar Stache
  • *****
  • Posts: 1027
  • Location: Mid-Sized Southern City
Re: Celebrations Thread
« Reply #812 on: November 13, 2014, 01:07:01 PM »
My Roth brokerage account at USAA just topped $30k! 

I'm very excited about this as my contributions since 2010 when I opened it have totaled only about $13k.  I've picked all the stocks and it feels great to use my brain this way.   In June, 2013, I held my breath as I watched it creep close and then overrun $20k. 

Today, it crossed the $30k line.  Snoopy dance!!!!

Total, I have $74k in retirement assets.  I know that's WAY behind, compared to many here, but it's a huge achievement for me.   I'm looking forward to crossing the $100k line, maybe in 2015.
I refinanced my student loans with SoFi and dropped my interest rate from over 7% to 3.9%.

2Birds1Stone

  • Magnum Stache
  • ******
  • Posts: 2638
  • Age: 29
  • Location: New York
  • CFO
Re: Celebrations Thread
« Reply #813 on: November 18, 2014, 08:29:30 AM »
I joined these forums about 2 months ago and since then my eyes have been opened on so many levels regarding savings rate, income, and just happiness in general.

I realized that being in my late 20's I have plenty of time for a career change so I started looking right around the time I joined here, I found a position I was VERY interested in, applied, and have been interviewing for the past month. Yesterday I received an email requesting a background check release waiver, professional references, and proof of employment/salary. I don't want to get too excited prematurely but all of my close friends and parents believe that I am about to receive an offer.

After doing some homework even on the low end of the pay scale it should be a 25% increase to my current pay within the first year. With much more room for growth than my current career.

I will update when(if) I get an official offer -_-
"A small house can hold as much happiness as a big one." - Fortune Cookie

58 Months Till FIRE Journal - Stop by, or stay a while.....
http://forum.mrmoneymustache.com/journals/fit-finance-when-two-seemingly-unrelated-worlds-colide/

Gin1984

  • Magnum Stache
  • ******
  • Posts: 4105
Re: Celebrations Thread
« Reply #814 on: November 18, 2014, 12:32:50 PM »
Paying off my husband's grad loans ($17,000)  today!  All money transferred in, and it is going down!  We are paying off his undergad ones next month!

NinetyFour

  • Magnum Stache
  • ******
  • Posts: 4215
  • Location: Southwestern US
  • 391 days until Freedom!
Re: Celebrations Thread
« Reply #815 on: November 18, 2014, 02:40:54 PM »
Nice work!!  Must feel great!
My Journal

Countdown to Freedom:  391 days (1 year, 26 days)

DeSteeg

  • 5 O'Clock Shadow
  • *
  • Posts: 6
  • Location: Denver, CO
Re: Celebrations Thread
« Reply #816 on: November 19, 2014, 02:16:31 PM »
We've been reading and following this blog for ~ 1 1/2 years now.  In the spring we still had ~ 30K in student loans to pay off (completed), and last week our net worth hit $125K

Pretty darn excited about the future! :D

NinetyFour

  • Magnum Stache
  • ******
  • Posts: 4215
  • Location: Southwestern US
  • 391 days until Freedom!
Re: Celebrations Thread
« Reply #817 on: November 19, 2014, 02:27:18 PM »
Congrats on killing those student loans!!  Awesome!
My Journal

Countdown to Freedom:  391 days (1 year, 26 days)

2Birds1Stone

  • Magnum Stache
  • ******
  • Posts: 2638
  • Age: 29
  • Location: New York
  • CFO
Re: Celebrations Thread
« Reply #818 on: November 22, 2014, 06:17:06 AM »
Got the job!!!

*Happy dance*
"A small house can hold as much happiness as a big one." - Fortune Cookie

58 Months Till FIRE Journal - Stop by, or stay a while.....
http://forum.mrmoneymustache.com/journals/fit-finance-when-two-seemingly-unrelated-worlds-colide/

myrax

  • 5 O'Clock Shadow
  • *
  • Posts: 90
Re: Celebrations Thread
« Reply #819 on: November 22, 2014, 05:21:36 PM »
My husband and I paid off all of our student loans yesterday!!! When we met we were about $100k in debt combined, and in less than three years we are debt free! We celebrated with a rare treat of takeout and boxed wine :)

Dee18

  • Handlebar Stache
  • *****
  • Posts: 1112
Re: Celebrations Thread
« Reply #820 on: November 22, 2014, 07:55:25 PM »
My daughter received her first college acceptance letter yesterday, with a $110,000 scholarship offer, bringing the annual tuition down to $ 5,000....well within our 529 budget!

BZB

  • Stubble
  • **
  • Posts: 225
  • Location: Houston, Texas
Re: Celebrations Thread
« Reply #821 on: November 23, 2014, 05:56:36 AM »
I am celebrating a change in mindset. I went to Cost Plus World Market the other day to buy an advent calendar for little BZB, the kind with chocolates.
This store is filled with tempting items, especially around Christmas. I normally would have bought many things, as "stocking stuffers" but instead I left the store with only the one thing I wanted. Just looking at all the stuff was enough for me.
Another example is I can go to Target and just buy the one thing I came there for.
This change means more to me than reaching a savings goal.

pachnik

  • Handlebar Stache
  • *****
  • Posts: 1372
  • Age: 52
  • Location: Vancouver, BC
Re: Celebrations Thread
« Reply #822 on: November 23, 2014, 08:58:06 AM »
I am celebrating a change in mindset. I went to Cost Plus World Market the other day to buy an advent calendar for little BZB, the kind with chocolates.
This store is filled with tempting items, especially around Christmas. I normally would have bought many things, as "stocking stuffers" but instead I left the store with only the one thing I wanted. Just looking at all the stuff was enough for me.
Another example is I can go to Target and just buy the one thing I came there for.
This change means more to me than reaching a savings goal.
+1 to this, BZB.  This is excellent -especially at this time of year when the stores are jammed with things.  And besides, keep this up and you will reach savings goals.  :)

MandyM

  • Bristles
  • ***
  • Posts: 496
  • Location: Lexington, KY
Re: Celebrations Thread
« Reply #823 on: November 25, 2014, 08:44:31 AM »
I have hit my (fairly lofty) savings goal for 2014, a full month early. Plus, I found out that I will get a bonus in December ($7K). The company usually gives out our bonuses in March, so this is about 3 months early - 3 months in extra earnings in my Vanguard fund!
"Freedom lies in being bold." -Robert Frost

Credaholic

  • Stubble
  • **
  • Posts: 224
  • Location: Seattle
    • Credaholic
Re: Celebrations Thread
« Reply #824 on: November 25, 2014, 12:58:55 PM »
My daughter received her first college acceptance letter yesterday, with a $110,000 scholarship offer, bringing the annual tuition down to $ 5,000....well within our 529 budget!

Congrats to you and your daughter!! She's clearly on the road to great things, would love to hear your secret :)
Addicted to maximizing my credit score and credit card rewards, and making it through mommy-hood as cheaply as possible.

G-dog

  • Magnum Stache
  • ******
  • Posts: 4254
Re: Celebrations Thread - hitting one million!
« Reply #825 on: November 25, 2014, 06:38:55 PM »
Barring a downward shift in the market, I will hit $1M investment/cash/401k by Nov. 30, 2014.
Boy, am I happy and thankful:
That I started saving/investing like my parents taught me as soon as possible (even though I had no idea what I was doing!)
That when I finally started my 401k at my current employer, I went all in for max contribution (even though I didn't know anything about allocating, fees, etc.)
That my current employer had Vanguard managing the 401k (see gpfees comment above)
That I found MMM about one year ago (better late than never)  - which was the wake up call and kick in the pants I needed to learn more, start my personal investment account and stop holding so much cash
Thanks to everyone that posts great tips, offered suggestions or answered questions, and challenged my assumptions.


NinetyFour

  • Magnum Stache
  • ******
  • Posts: 4215
  • Location: Southwestern US
  • 391 days until Freedom!
Re: Celebrations Thread
« Reply #826 on: November 25, 2014, 06:43:23 PM »
Congrats!!  That's awesome!!
My Journal

Countdown to Freedom:  391 days (1 year, 26 days)

G-dog

  • Magnum Stache
  • ******
  • Posts: 4254
Re: Celebrations Thread
« Reply #827 on: November 25, 2014, 06:59:30 PM »
Congrats!!  That's awesome!!

Thanks! I get kind of giddy thinking about it! And can't share this with anyone at work ( my sharing will be in the form of a resignation notice).  After the giddy, I want a face punch for being a sukka for too long and for not educating myself or taking more control earlier. 

2Birds1Stone

  • Magnum Stache
  • ******
  • Posts: 2638
  • Age: 29
  • Location: New York
  • CFO
Re: Celebrations Thread
« Reply #828 on: November 30, 2014, 07:20:22 AM »
As of December I will be able to switch to a HDHP with HSA account vs the PPO I have had for the past 5 years.

Small victory =)
"A small house can hold as much happiness as a big one." - Fortune Cookie

58 Months Till FIRE Journal - Stop by, or stay a while.....
http://forum.mrmoneymustache.com/journals/fit-finance-when-two-seemingly-unrelated-worlds-colide/

rocksinmyhead

  • Handlebar Stache
  • *****
  • Posts: 1525
  • Location: Oklahoma
Re: Celebrations Thread
« Reply #829 on: December 01, 2014, 08:05:56 AM »
As of December I will be able to switch to a HDHP with HSA account vs the PPO I have had for the past 5 years.

Small victory =)

Me too! I wasn't sure if I was going to be able to but I found out a couple weeks ago that my preferred birth control will still be covered at zero cost so I went for it. Should be a good financial move for me, and I'll take all the tax-sheltered savings I can get!

Ferrisbueller

  • 5 O'Clock Shadow
  • *
  • Posts: 74
Re: Celebrations Thread
« Reply #830 on: December 01, 2014, 08:21:39 AM »
Hi all
Great to hear all the success stories on here.
With my Nov pension contribution family net worth passed $750,000 for the first time. Bout half is home equity but still I feel like a quiet celebration. I've ignored wife's fantastic defined benefit pension.
I estimate $1M net worth in 3 years , just before I reach my 47th birthday, according to my spreadsheet and conservative assumptions.
Happy Christmas to One and All !

FB

Gin1984

  • Magnum Stache
  • ******
  • Posts: 4105
Re: Celebrations Thread
« Reply #831 on: December 02, 2014, 11:17:33 AM »
Hi all
Great to hear all the success stories on here.
With my Nov pension contribution family net worth passed $750,000 for the first time. Bout half is home equity but still I feel like a quiet celebration. I've ignored wife's fantastic defined benefit pension.
I estimate $1M net worth in 3 years , just before I reach my 47th birthday, according to my spreadsheet and conservative assumptions.
Happy Christmas to One and All !

FB
Congrats!

wberkgal

  • 5 O'Clock Shadow
  • *
  • Posts: 15
Re: Celebrations Thread
« Reply #832 on: December 02, 2014, 12:19:17 PM »
I finally completely retired yesterday. Turned in laptop and badge! Whoo-hoo! Thank you MMM and forum for giving me confidence that this is the right path. I'm so excited about our future path.

Annie-Blake

  • Guest
Re: Celebrations Thread
« Reply #833 on: December 02, 2014, 07:54:25 PM »
-PAID OFF OUR CAR LOAN!!! (used our managed fund money to do this..and a few days later the share market lost $30 billion..we are in Australia)

-finally after never having one, we have a budget..it has taken 2 months to get it right...very happy

-now that we have a budget, we have big financial goals to work towards.  We are on track to pay off our mortgage in 6 years.  Our interest rate is 5.2% (this is a good rate for Australia and very low for us!) and our balance is $292,000 (average house price in my city is around $480,000)

feeling refreshed and happy. Thanks MMM for your advice, you have really inspired me and put us on the right track.

jordanread

  • Magnum Stache
  • ******
  • Posts: 4936
  • Age: 31
  • Location: Colorado Springs
  • Live Long, Live Free, Drop Dead
    • Frugal FIRE Show
Re: Celebrations Thread
« Reply #834 on: December 03, 2014, 06:32:03 AM »
I finally completely retired yesterday. Turned in laptop and badge! Whoo-hoo! Thank you MMM and forum for giving me confidence that this is the right path. I'm so excited about our future path.

OUTSTANDING!! Congratulations. You should definitely start a journal in that section so we can see how it goes.
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!!

RMD

  • Stubble
  • **
  • Posts: 158
  • Location: Overland Park, KS
Re: Celebrations Thread
« Reply #835 on: December 03, 2014, 02:05:58 PM »
FINALLY crossed the $300,000 barrier!  Not NW- investments (401ks, IRAs) only!  And when I look we went up $25K from early June to now.  Not bad!  We're actually almost to $310,000.  I thought we'd never cross $300,000...it felt like forever!

1967mama

  • Handlebar Stache
  • *****
  • Posts: 2100
  • Age: 50
  • Location: Canada
Re: Celebrations Thread
« Reply #836 on: December 03, 2014, 02:32:17 PM »
Cancelled our Amazon Prime membership today, just 3 days before the auto-renewal date. This was the first year at the $99 rate and there were very few times where I couldn't have waited until I'd collected $35 in my cart to get the free shipping. Feels really good to find another way to cut a little more of our expenses down!

Edited for typo

SporeSpawn

  • Guest
Re: Celebrations Thread
« Reply #837 on: December 04, 2014, 11:12:43 AM »
I made the top five on the eligibility list for my Alameda job!

This one's still quite tentative, but Alameda goes by a "top five" selection process, meaning they choose from among the top five candidates (not necessarily in any order). I made number 4.

What happens now is entirely up to the department itself. Likely, a new string of interviews will take place (which is going to be rough since it'd mean having to travel the full length of the country to attend... with no guarantee for hiring, but, hey, them's the breaks). The department may go ahead and choose from among the list anyway without further interviews.

It goes without saying, I am on pins and needles. These next few weeks will be hard. But however things go, it's a sign that my resume and interviewing experience are doing their job.

Gin1984

  • Magnum Stache
  • ******
  • Posts: 4105
Re: Celebrations Thread
« Reply #838 on: December 04, 2014, 01:00:43 PM »
So the raise I did not think my union got for me, they did.  They wrote it in such away not to just benefit the lowest income among the grad students but everyone.  Sadly most of this will be eaten up by the health care increase, but $100 is still a raise!

Ferrisbueller

  • 5 O'Clock Shadow
  • *
  • Posts: 74
Re: Celebrations Thread
« Reply #839 on: December 07, 2014, 10:44:54 AM »
Thanks Gin1984

I hope it's Bombay Sapphire

YTProphet

  • Stubble
  • **
  • Posts: 191
Re: Celebrations Thread
« Reply #840 on: December 08, 2014, 11:37:17 AM »
I got offered a new job that comes with a $25,000 raise! Woot woot! And it will allow me to change my commute from 30 miles to 3 miles!

arebelspy

  • Administrator
  • Senior Mustachian
  • *****
  • Posts: 24478
  • Age: -999
  • Location: Traveling the World
Re: Celebrations Thread
« Reply #841 on: December 08, 2014, 12:03:40 PM »
I got offered a new job that comes with a $25,000 raise! Woot woot! And it will allow me to change my commute from 30 miles to 3 miles!

Nice!  Double win!
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

craiglepaige

  • Pencil Stache
  • ****
  • Posts: 526
  • Location: Ohio
Re: Celebrations Thread
« Reply #842 on: December 09, 2014, 06:33:50 AM »
It's been 2 weeks since I started reading the forum and a little bit over one since I registered, in this two weeks I've done the following:

1) Raise my 401k contribution from 5% to 10% - will like to get up to 25% by the end of 2015.  also started a ROTH at 2% to see how it goes and then add to it.

2) Canceled my cable service and built a $6.49 antenna that gets about 13 channels. Savings of $118mo.

3) Googled, Bing'd and called around for the best available car/home insurance. I was paying a total of $2719(Safeco Ins.) yearly for this and it's now down to $1227(Grange Ins) - so savings of over $1.5k yearly. (2 cars and a home)

4) Haven't eaten out for lunch last week, nor yesterday and today. I was usually spending over $8 per lunch, so that's another $60+ saved.

5) Only ordered chinese takeout once last week for dinner, as opposed to grabing food on the go or delivery, like we usually did 3-4 times a week. All other meals were done with food which we already had, just took the initiative to use.  Savings of $65 or so.

6) Decided I'm switching from my current wireless carrier(ATT) to Cricket Wireless come late January for a savings of $38mo. From a $73mo 2yr contract to $35mo no contract package. Trying to get my DW to switch from iPhones to Android, so she can also switch over and take advantage of the FREE HTC Desire 510 phone currently advertise - via a VISA mir card.

It seems like I've done a lot but I feel like I'm still behind the 8 ball.  My DW and I have 4 debts at the moment, her 2 student loans, her car and our home. I'm thinking I'll have one the student loans payed off by March, the second one by July and her car by this time next year. I also want to start putting more money into the home principal in order to bring down the debt.

2015 seems like will be a great year for us as we chop down our debt to only our home and continue building our financial nestegg.

THANKS MMM!!!!!!!





-The conqueror will always become a slave to his conquest.
-Don't ever mistake wealth for worth.

rocksinmyhead

  • Handlebar Stache
  • *****
  • Posts: 1525
  • Location: Oklahoma
Re: Celebrations Thread
« Reply #843 on: December 09, 2014, 06:46:49 AM »
It's been 2 weeks since I started reading the forum and a little bit over one since I registered, in this two weeks I've done the following:

1) Raise my 401k contribution from 5% to 10% - will like to get up to 25% by the end of 2015.  also started a ROTH at 2% to see how it goes and then add to it.

2) Canceled my cable service and built a $6.49 antenna that gets about 13 channels. Savings of $118mo.

3) Googled, Bing'd and called around for the best available car/home insurance. I was paying a total of $2719(Safeco Ins.) yearly for this and it's now down to $1227(Grange Ins) - so savings of over $1.5k yearly. (2 cars and a home)

4) Haven't eaten out for lunch last week, nor yesterday and today. I was usually spending over $8 per lunch, so that's another $60+ saved.

5) Only ordered chinese takeout once last week for dinner, as opposed to grabing food on the go or delivery, like we usually did 3-4 times a week. All other meals were done with food which we already had, just took the initiative to use.  Savings of $65 or so.

6) Decided I'm switching from my current wireless carrier(ATT) to Cricket Wireless come late January for a savings of $38mo. From a $73mo 2yr contract to $35mo no contract package. Trying to get my DW to switch from iPhones to Android, so she can also switch over and take advantage of the FREE HTC Desire 510 phone currently advertise - via a VISA mir card.

It seems like I've done a lot but I feel like I'm still behind the 8 ball.  My DW and I have 4 debts at the moment, her 2 student loans, her car and our home. I'm thinking I'll have one the student loans payed off by March, the second one by July and her car by this time next year. I also want to start putting more money into the home principal in order to bring down the debt.

2015 seems like will be a great year for us as we chop down our debt to only our home and continue building our financial nestegg.

THANKS MMM!!!!!!!

Amazing progress!!! Even if it feels like you're behind now, getting down to only mortgage debt in a year's time will be absolutely amazing!

craiglepaige

  • Pencil Stache
  • ****
  • Posts: 526
  • Location: Ohio
Re: Celebrations Thread
« Reply #844 on: December 09, 2014, 06:53:28 AM »
It's been 2 weeks since I started reading the forum and a little bit over one since I registered, in this two weeks I've done the following:

1) Raise my 401k contribution from 5% to 10% - will like to get up to 25% by the end of 2015.  also started a ROTH at 2% to see how it goes and then add to it.

2) Canceled my cable service and built a $6.49 antenna that gets about 13 channels. Savings of $118mo.

3) Googled, Bing'd and called around for the best available car/home insurance. I was paying a total of $2719(Safeco Ins.) yearly for this and it's now down to $1227(Grange Ins) - so savings of over $1.5k yearly. (2 cars and a home)

4) Haven't eaten out for lunch last week, nor yesterday and today. I was usually spending over $8 per lunch, so that's another $60+ saved.

5) Only ordered chinese takeout once last week for dinner, as opposed to grabing food on the go or delivery, like we usually did 3-4 times a week. All other meals were done with food which we already had, just took the initiative to use.  Savings of $65 or so.

6) Decided I'm switching from my current wireless carrier(ATT) to Cricket Wireless come late January for a savings of $38mo. From a $73mo 2yr contract to $35mo no contract package. Trying to get my DW to switch from iPhones to Android, so she can also switch over and take advantage of the FREE HTC Desire 510 phone currently advertise - via a VISA mir card.

It seems like I've done a lot but I feel like I'm still behind the 8 ball.  My DW and I have 4 debts at the moment, her 2 student loans, her car and our home. I'm thinking I'll have one the student loans payed off by March, the second one by July and her car by this time next year. I also want to start putting more money into the home principal in order to bring down the debt.

2015 seems like will be a great year for us as we chop down our debt to only our home and continue building our financial nestegg.

THANKS MMM!!!!!!!

Amazing progress!!! Even if it feels like you're behind now, getting down to only mortgage debt in a year's time will be absolutely amazing!

I can't even begin to imagine what that will be like. It seems like since right after HS, I've had some type of debt :(

My wife and I know this current house is not our "forever" home and when the time comes to sell and buy I want to have a 25% downpayment and have a 15yr mortgage. The plan after that will be to pay the house in less than 8yrs. So I'm hoping that by the time I'm 45yo I'll be completely debt free. That's a nice feeling ;)
-The conqueror will always become a slave to his conquest.
-Don't ever mistake wealth for worth.

Wile E. Coyote

  • Stubble
  • **
  • Posts: 189
Re: Celebrations Thread
« Reply #845 on: December 09, 2014, 08:15:35 PM »
Just completed my annual benefits enrollment and decided to ditch the standard health plan and go with a high deductible and max out an HSA for the first time.  Wish me luck!:)

Knapptyme

  • Stubble
  • **
  • Posts: 158
  • Age: 35
  • Location: Orange Park, FL
Re: Celebrations Thread
« Reply #846 on: December 14, 2014, 10:03:00 PM »
Recently purchased our first rental property and am going through fixing stuff that I haven't done before. It's exciting and empowering.

Installed fridge, stove, microwave, dishwasher, garbage disposal, toilet, rewired switches, patched holes, fixed flooring, fixed leaky faucets, fixed closets, and more. Everything except the garbage disposal and the toilet came from Craigslist or I already had it. I'm tired, but it's a good feeling.

FiveSigmas

  • Bristles
  • ***
  • Posts: 337
Re: Celebrations Thread
« Reply #847 on: December 15, 2014, 12:59:28 AM »
Recently purchased our first rental property and am going through fixing stuff that I haven't done before. It's exciting and empowering.

Installed fridge, stove, microwave, dishwasher, garbage disposal, toilet, rewired switches, patched holes, fixed flooring, fixed leaky faucets, fixed closets, and more. Everything except the garbage disposal and the toilet came from Craigslist or I already had it. I'm tired, but it's a good feeling.

That's fantastic! Congrats and good luck with the rental.

Rosewhipped

  • 5 O'Clock Shadow
  • *
  • Posts: 19
Re: Celebrations Thread
« Reply #848 on: December 16, 2014, 07:31:48 PM »
This year (in August really) I paid off $12,836.67 which was all of my student loans!

Also tonight I made dinner. Tacos!  Which were delicious.  That's a baby step for me, but I minced the garlic AND the onions.  Also made some guacamole with 2 avocados we had.


rocksinmyhead

  • Handlebar Stache
  • *****
  • Posts: 1525
  • Location: Oklahoma
Re: Celebrations Thread
« Reply #849 on: December 19, 2014, 08:17:28 AM »
Last paycheck of the year today, which means I maxed out my 401K for the year for the first time ever!!! The additional $8,000 contributed by my employer's generous matching policy is just the icing on the cake :)