Author Topic: What month is your "good" month?  (Read 8940 times)

snshijuptr

  • Stubble
  • **
  • Posts: 147
  • Age: 33
  • Location: Southern California
What month is your "good" month?
« on: February 04, 2015, 04:26:28 PM »
Historically February is always a banner month in our house, financially. We usually spend WAY less than we would expect from a combination of less days, the AMEX Costco check, and the end of the holidays, and we tend to get extra money. This year we already got a reimbursement from our escrow and my boss offered me a pay raise. I feel like February is always a good month financially.

Is it the same for others? Do you have a different month that rocks financially?

2Birds1Stone

  • Walrus Stache
  • *******
  • Posts: 5763
  • Age: 1
  • Location: Earth
  • K Thnx Bye
Re: What month is your "good" month?
« Reply #1 on: February 04, 2015, 04:29:10 PM »
January for me. Get employer contribution to HSA, have gift cards to spend vs earnings.

ncornilsen

  • Pencil Stache
  • ****
  • Posts: 911
Re: What month is your "good" month?
« Reply #2 on: February 04, 2015, 04:30:30 PM »
Feb.
-ESPP shares become available
-late January Bonus
-Tax Returns

frugalecon

  • Pencil Stache
  • ****
  • Posts: 557
Re: What month is your "good" month?
« Reply #3 on: February 04, 2015, 04:48:58 PM »
I have two extra good months per year because I get paid biweekly, so two months out of the year I get three pay checks.

A whole extra pay check to blow on extra stuff!

Just kidding...

netskyblue

  • Pencil Stache
  • ****
  • Posts: 634
  • Location: Midwest USA
Re: What month is your "good" month?
« Reply #4 on: February 04, 2015, 05:59:19 PM »
January.  I'm always most committed in January. 

Zikoris

  • Magnum Stache
  • ******
  • Posts: 3601
  • Age: 33
  • Location: Vancouver, BC
  • Vancouverstachian
Re: What month is your "good" month?
« Reply #5 on: February 04, 2015, 06:37:47 PM »
We tend to spend less in the winter overall, January through April. Last year February was our best month ever at $1183 total spending. We'll see for this year.

acorn

  • Bristles
  • ***
  • Posts: 370
Re: What month is your "good" month?
« Reply #6 on: February 04, 2015, 07:53:41 PM »
January and February
- Annual clean out of pantry and freezer. Buy little to no groceries
- Gift cards from christmas
- Only 28 days in feb =)

mustachianteacher

  • Stubble
  • **
  • Posts: 204
Re: What month is your "good" month?
« Reply #7 on: February 04, 2015, 07:59:21 PM »
September is usually pretty awesome, closely followed by February. September is a super busy month at work, and there are no birthdays or major holidays that cost money, and February is just so nice and short. :-)

Davids

  • Pencil Stache
  • ****
  • Posts: 973
  • Location: Somewhere in the USA.
Re: What month is your "good" month?
« Reply #8 on: February 04, 2015, 08:40:38 PM »
I guess March because that is when we get our bonus.

MoneyCat

  • Handlebar Stache
  • *****
  • Posts: 1752
  • Location: New Jersey
Re: What month is your "good" month?
« Reply #9 on: February 04, 2015, 08:48:29 PM »
February is a good month because I get two paychecks for fewer days plus I still have some gift cards left over from Christmas.  I also enjoy July and August, because those are my furlough months from teaching and I use money I saved all year for bills, so everything I make from my summer jobs goes towards investments.  I think this summer I'll work for Leapforce to make some extra money to put toward my student loans.

dunhamjr

  • Stubble
  • **
  • Posts: 242
  • Age: 44
  • Location: Kent, WA (Seattle)
  • mustachian in training est. July 14
Re: What month is your "good" month?
« Reply #10 on: February 04, 2015, 10:42:58 PM »
December and January.
Yearly performance bonus shows up in December.
January is when merit increase hits plus my RSUs vests.

NICE!

  • Pencil Stache
  • ****
  • Posts: 687
  • Location: Africa
Re: What month is your "good" month?
« Reply #11 on: February 05, 2015, 02:37:37 AM »
February/March.

The damage done by holiday spending/travel is sustained in Dec/Jan. As a result, January is usually a chill/relaxed month without a ton of crazy spending. Couple this with the possibility of a tax refund (had a very small one last year, owed a small amount of money a few years ago), and you have a recipe for banner months in Feb/Mar.

SaintM

  • Guest
Re: What month is your "good" month?
« Reply #12 on: February 05, 2015, 04:04:05 AM »
Every month that there is air to breathe is a good month in my world.

boarder42

  • Walrus Stache
  • *******
  • Posts: 7848
Re: What month is your "good" month?
« Reply #13 on: February 05, 2015, 06:34:04 AM »
all months are good months.

But i get a bonus in December
I get my Company ESOP contribuition in March
We find out our share price increase in April
we get our new shares with the money from march in May

First quarter ESOP dividend April
Second quarter July
3rd quarter october
4th quarter December

I do my charity event for the Boys and Girls Club in July

If the market has an amazing month any month thats a good month.
If the market has  a bad month any month thats a good month (ie my purchasing power increased so i get more shares)

you can find good in every month

oinkette

  • Stubble
  • **
  • Posts: 195
  • Age: 42
  • Location: New York
  • Well behaved women rarely make history.
Re: What month is your "good" month?
« Reply #14 on: February 05, 2015, 01:53:15 PM »
January

  • I get an escrow check back, if any.
  • 1st three pay day month of the year (for us biweekly folk)!
  • I at least know what my refund will be, even if I don't get it until February or March
  • I get to use up all the gift cards I got for Christmas instead of using my own cash. I usually ask for practical stuff (Target, gas, etc.) or stuff I can't quit (Starbucks).

galliver

  • Handlebar Stache
  • *****
  • Posts: 1871
Re: What month is your "good" month?
« Reply #15 on: February 05, 2015, 02:17:34 PM »
I was surprised that it was October, even though it was my and bf's birthday-month! Perhaps I tend to crack down before the holidays...February runs a close second (cracking down *after* the holidays, haha). I was going by net income by month over past 3 years in Mint (only goes back to Sep 2011, my earnings as an adult go back one more year). Excluded the sizeable fellowship deposits I got last March and the previous September, since that was a one-time thing.

PEIslander

  • Stubble
  • **
  • Posts: 168
  • Age: 58
  • Location: Prince Edward Island, Canada
Re: What month is your "good" month?
« Reply #16 on: February 05, 2015, 02:34:16 PM »
all months are good months.

January - It's a new year!
February - Valentines Day gets me twitterpated
March - Spring Break!
April - My bride & I have our Birthdays
May - Winter is almost over! (I live in Canada)
June - Birds return our Island to nest
July - Summer finally arrives! (again - I live in Canada)
August - Time to drink beer in the sunshine listening to Bob Marley
September - Kids return to school
October - Harvest time. mmmm - pumpkin pie
November - Great hiking weather
December - First "Snow Day"...
« Last Edit: February 05, 2015, 02:36:08 PM by PEIslander »

ShoulderThingThatGoesUp

  • Magnum Stache
  • ******
  • Posts: 3057
  • Location: Emmaus, PA
Re: What month is your "good" month?
« Reply #17 on: February 05, 2015, 02:40:31 PM »
Get my peformance raise in April.

FarmerPete

  • Bristles
  • ***
  • Posts: 346
Re: What month is your "good" month?
« Reply #18 on: February 05, 2015, 02:45:11 PM »
Since I follow the "Budget on last month's income" the month after a triple paycheck month or an excessive amount of on-call time are great.  I tend to put that excess 100% towards savings.

BlueMR2

  • Handlebar Stache
  • *****
  • Posts: 2008
Re: What month is your "good" month?
« Reply #19 on: February 05, 2015, 02:49:10 PM »
May.

For whatever reason, that's the one with the best income/expense ratio.  Apparently I just have the least number of bills due then as we don't do anything different on purpose that month.  :-)

madgeylou

  • Handlebar Stache
  • *****
  • Posts: 2391
Re: What month is your "good" month?
« Reply #20 on: February 05, 2015, 03:58:31 PM »
february -- that's when ESPP comes through and the last few years i've been work-traveling for a lot of feb so my expenses are covered
april -- raises and bonuses come through
august -- 2nd ESPP round comes through and RSUs vest / can be sold

this year august is going to be spendy, though, cos we're moving cross country.

Terrestrial

  • Bristles
  • ***
  • Posts: 294
Re: What month is your "good" month?
« Reply #21 on: February 05, 2015, 08:01:28 PM »
April. no doubt. 

-Bonus hits.
-Receive my new allocation of company shares, stock gets revalued on the shares I already own (generally up), receive my profit distribution dividend.
-Occasionally get a tax refund around this time (though not always and often it's not a game changer, i manage to balance pretty well most years).
-Is sometimes a 'three paycheck' month for either me or my wife (i budget on 2 paychecks/month for each of us...the 4 extras per year are savings/vacation/large expense extras).

This thread started to get me excited...april in a good year can be a solid 5 figures more boost to investments/net worth than a normal month will be, and judging by last year's financials, it's going to be a good april :).  I just noticed this April will also be a three paycheck month to boot!
« Last Edit: February 05, 2015, 08:03:33 PM by Terrestrial »

aspiringnomad

  • Pencil Stache
  • ****
  • Posts: 893
Re: What month is your "good" month?
« Reply #22 on: February 05, 2015, 10:03:43 PM »
December, easily for me. Annual bonus plus it's usually a three paycheck month.

pdxvandal

  • Bristles
  • ***
  • Posts: 311
  • Location: Earth
Re: What month is your "good" month?
« Reply #23 on: February 06, 2015, 12:44:31 AM »
December. Spending is slightly higher due to the holidays, but year-end/quarterly dividends were 3k for the month. Plus, I have a side job in the winter in addition to regular job.

worms

  • Bristles
  • ***
  • Posts: 375
Re: What month is your "good" month?
« Reply #24 on: February 06, 2015, 12:47:20 AM »
February and March, as property tax here is on a ten month collection schedule giving two 'free' months at the end of the financial year.

arebelspy

  • Administrator
  • Senior Mustachian
  • *****
  • Posts: 28260
  • Age: -999
  • Location: Seattle, WA
Re: What month is your "good" month?
« Reply #25 on: February 06, 2015, 02:35:58 PM »
All of them are good months.

All months are the same, actually, besides April, where we pay a bunch in taxes.  They're all good though.
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 three 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.

ChaseJuggler

  • Stubble
  • **
  • Posts: 124
Re: What month is your "good" month?
« Reply #26 on: February 06, 2015, 03:12:56 PM »
August. I'm a teacher, so I get paid 10 monthly checks per year.

I get a full check for only working half of August. But I get no check for working half of June.

Unique User

  • Pencil Stache
  • ****
  • Posts: 656
  • Location: NC
Re: What month is your "good" month?
« Reply #27 on: February 06, 2015, 03:58:36 PM »
I guess March because that is when we get our bonus.

ditto.

Mother Fussbudget

  • Pencil Stache
  • ****
  • Posts: 831
  • Age: 58
  • Location: Indianapolis, IN
Re: What month is your "good" month?
« Reply #28 on: February 06, 2015, 05:13:20 PM »
Usually any month with 31 days, with the first  on Mon-Tues-Weds = 23 work days. 
Consultants work on a billed-hours basis, so more days at work means a bigger paycheck. 
This year only JULY fits the bill - Jan, Mar, Jun, Oct, Dec are 22 day months (after holidays).

But I got an escrow check last week, pre-paid a month on the mortgage, and the credit-card game is going well (thank you FrequentMiler!) so... February?

Oh, no... wait.  Marshawn didn't get the ball... worst month EVER!  ;-)

Kaydedid

  • Stubble
  • **
  • Posts: 218
Re: What month is your "good" month?
« Reply #29 on: February 06, 2015, 08:49:33 PM »
August - harvesting garden like mad and eating from meat purchased in May, so grocery costs are negligible.
Utilities are really low despite canning- too busy to use electronics, plus no heat and just a few fans running for cooling.
Out-of-pocket healthcare maxes have been reached, so one of our biggest expenses has been covered.

BlueHouse

  • Magnum Stache
  • ******
  • Posts: 3331
  • Location: WDC
Re: What month is your "good" month?
« Reply #30 on: February 07, 2015, 12:21:49 PM »
I'm usually in the red until May/June.  (from a business cash-flow perspective). 

In December, I zero out the company bank account for tax purposes (dividends to my personal account), then in Jan I have to loan money to the company to cover payroll, taxes, and profit sharing.  So Jan-Mar are cash-flow challenges until I can pay myself back the loan I received. 

I'm a red panda

  • Walrus Stache
  • *******
  • Posts: 8009
  • Location: United States
Re: What month is your "good" month?
« Reply #31 on: February 07, 2015, 12:31:24 PM »
December is really our only hard month. There is just a lot of obligation spending going on, and then there is a lot of impulse buying for things we may have wanted all year but are now on a really good sale. 

So all the other months are good ones.