The Money Mustache Community

General Discussion => Welcome and General Discussion => Topic started by: arebelspy on January 25, 2013, 12:06:16 PM

Title: Celebrations Thread
Post by: arebelspy on January 25, 2013, 12:06:16 PM
Use this thread to post your mini-accomplishments so we can celebrate with you!

If you have a bigger accomplishment, feel free to start your own thread in the Share Your Badassity (http://www.mrmoneymustache.com/forum/share-your-badassity/) section of the forums, but for small milestones, things you just want to share with someone, but don't really have anyone to share it with (besides maybe your partner), toss em out there so we can celebrate with you!
Title: Re: Celebrations Thread
Post by: jdoolin on January 25, 2013, 12:49:25 PM
Perfect timing, as I was just trying to find somewhere to post this.

I got approved for a rewards credit card.  It was the Amazon Rewards card that gives you 3 points for amazon purchases, 2 for gas stations (cool), restaurants (won't get much from me there) and office supplies (again, probably not much) and then 1 point for anything else.  My limit is also much higher than I anticipated.

Not a really big deal in and of itself, but it was a minor triumph for me.

See, back in 2003 I got married to someone I shouldn't have (we were never a good match to begin with).  Combine a fairly low salary with someone who flaked out and stopped going to work, a typical overspending consumption attitude (both of us), with high interest credit cards and loans (for an Apple laptop and an engagement ring I had no business purchasing) and a person who felt very little control in her life, and used shopping and spending as a way to feel it.  It's a recipe for not only divorce, but financial DISASTER. **

By the time the divorce was final, my credit was awful and I we both had quite a bit of debt.  I entered a Consumer Credit Counseling and debt consolidation program and in just under 5 years had paid everything off.

I avoided applying for credit cards or loans even after I was finished (I would obviously have not been approved while in counseling).  My credit score was something I just didn't even bother thinking about.

Enter MMM in July of last year.  By August, my wife and I had made big changes and big plans.  I was no longer afraid of my credit score or finances in general.  I checked out my score and it was in the Medium range.  But with our plans to finally purchase a home, we knew I would need to increase my score to get the best interest rate.  So I planned to get a credit card.

I just happened to be on Amazon purchasing a polypropylene shirt for winter outdoor badassity when I saw the offer for the card and thought, "What the hell?"  I applied and got it (and that $50 amazon credit).

I will now use this card Mustachian style, increase my credit and even accumulate some rewards.

** Despite the relationship and financial disaster, we divorced on peaceable terms and I hold no ill feelings toward her.  I hope she finds the happiness that I still feel she deserves
Title: Re: Celebrations Thread
Post by: tmac on January 25, 2013, 01:10:40 PM
Congratulations, jdoolin! Especially for your planned Mustachian use of said card. :)

I have three minor victories to share today:

1) I had to deposit some checks at the bank and rather than use the snow and ice as an excuse to drive the three blocks, I walked.

2) In related transportation news: We currently have 3 vehicles, 2 of which have big dumb stupid loans. This morning, I put the most sellable one out on the front lawn with for-sale signs, and posted free ads at Cars.com and Craigslist. After it sells, we'll use the proceeds (should be several thousand) to pay down the second loan, which we'll then be able to finish paying off within a year.

3) I've finished getting our personal budget set up on YNAB and first the first time feel like I have a grasp of where our variable income is going. Next step: Get the business budget set up, to help that income become less variable.

Title: Re: Celebrations Thread
Post by: marty998 on January 25, 2013, 02:30:09 PM
Gas hot water heating bill: July Qtr: $100.75, October Qtr: $82.49, January Qtr: $64.64

Expected the fall in October bill because the July bill is always high - in winter the water flowing through the pipes is much colder and needs more gas to be heated.

Did not expect the fall in the January bill but thinking about it we did have a heatwave which meant many days the cold water was coming out of the taps warm. So many heat records fell it became a bit of a joke when the weather girls on TV were saying "it's only going to be 39c today".
Title: Re: Celebrations Thread
Post by: ketchup on January 25, 2013, 02:55:48 PM
My recent small victories:

Switched to Platinumtel from T-mobile prepaid.  Was spending $30/month, spent $5 ($10 worth of credit, bought on a special) in first month on Platinumtel.

Did some DIY maintenance on my car. Proved the "free brake check" guys of questionable moral standing wrong. No, I didn't need $800 of brake work done.  I will do free brake work myself, at my leisure.  June, perhaps.

Helped find super cheap (relatively speaking) flights for my girlfriend and her sister when they had urgent family business halfway across the country. (We were able to find flights for $730 round trip for the two of them, Chicago to Phoenix and back, with all of 3 hours notice before the plane took off.)

Started contributing to my 401(k) at the start of the year, maxing out the employer match.  Plan on opening a Roth later this year.
Title: Re: Celebrations Thread
Post by: Xtal on January 25, 2013, 08:31:12 PM
I got a 6.5% raise at my job!
Title: Re: Celebrations Thread
Post by: jdoolin on January 27, 2013, 02:59:34 PM
I got a 6.5% raise at my job!

Nice raise, congrats!

Hey, I just remembered something else that may be appropriate for this thread.

Shortly after I started reading MMM's blog in early July, I started pursuing a new job/career opportunity that practically fell in my lap.  At the time I was happy where I was as a software developer and the new job (a college instructor) didn't pay more, but the schedule was unbeatable.  So I opted to go for it.

Feeling VERY confident and optimistic about my future, primarily due to the influence of MMM's articles, I went into my interview more confident than I ever have.  It was with a panel of 6 interviewers.  I answered questions confidently, always had a smile, spoke with authority and even made some jokes.  As luck would have it, my year and a half as a LINE COOK even impressed and surprised one of the interviewers, who happened to be the head of the culinary department.  They asked me to prepare a 15 minute teaching demo about a feature of Windows 7.  They were impressed that I wasn't going to use Powerpoint.  The laptop they provided was Windows XP.  I mentioned this to them and they began to see if they could find a replacement, until I said, "That's OK, I can work with it.  No biggie." 

But my favorite part was the typical interview question:

"Where do you see yourself in 5 years?"

Without even thinking and as confidently as could be, I answered, "About 5 years from retirement."

The looks I got were priceless.  Raised eyebrows, laughs, big smiles, heads nodding and even a few "Wow, sounds good to me"s.

I got the offer the next day.  I accepted, and the job ROCKS.  :-)

[EDIT]: I'm now teaching my second semester of an Excel course.  I'm using it as a front to teach a little Personal Finance (teaching "across the curriculum", as my wife puts it).
Title: Re: Celebrations Thread
Post by: Self-employed-swami on January 27, 2013, 04:52:06 PM
I just paid off the last thousand dollars on my HELOC that isn't borrowed for investments.

:D
Title: Re: Celebrations Thread
Post by: tmac on January 27, 2013, 05:26:27 PM
I just paid off the last thousand dollars on my HELOC that isn't borrowed for investments.

:D

Nice! I love that feeling.

My victories this week are so minor that if I told non-mustachians about it, they'd think I was nuts to be so pleased with myself.

1) I checked my power bill online today. It will be $24 lower than usual when it arrives and the only change was that I only used the clothes dryer once this month. The rest of the time (at a load per day), I hung the laundry to dry on a makeshift clothesline in the back room.

2) I just finished lining all of the downstairs windows in our ancient house with plastic film. I got a 10' x 100' of inexpensive film at Lowe's and have enough to do all the windows in my house and still have a lot left over for other uses (tarps, drop cloths, etc.). The rooms are significantly less drafty than they had been. I'll do the upstairs rooms this week.

3) Food costs are way down this month -- from ~$1600 (!) to $740.

a) It looks like I'm going to close out the month with a grocery spend of $450 -- down from the previous average of $800 for our family of five. I did one big grocery shop on the first of January (Costco and Aldi, mainly) and since then have only bought a few supplemental things.

b) We had been spending in the area of $800 a month on restaurants as well, before getting serious about our finances a couple of months back. January will be our lowest spend in many years -- $290.

Next on the list: Switch around our cell phone plans for the family (3) and our employees (2 more) to save at least $100/month. The bill at the moment is $450 a month and it kills me to pay it. It's almost as much as our office rent.
Title: Re: Celebrations Thread
Post by: jdoolin on January 27, 2013, 05:33:34 PM
tamara, I don't know that I'd call those victories minor.  Those all add up to ENORMOUS savings over long term.  Though I guess you're right, in that it takes a Mustachian to see the full extent of what you've accomplished.

Keep up the good work!
Title: Re: Celebrations Thread
Post by: Self-employed-swami on January 27, 2013, 05:41:11 PM
I also should have mentioned, that I renegotiated an increase in my charge-out rate :D
Title: Re: Celebrations Thread
Post by: Emerald on January 28, 2013, 11:11:10 AM
1) I got a small raise (2.6%), but I'll take it.

2) I increased my TSP contributions another 2%.

3)  I've freed up extra money to put towards my mortgage (only debt).  I'm currently on track to pay it off in around 10 years.
Title: Re: Celebrations Thread
Post by: Orvell on January 28, 2013, 11:25:46 AM
Great thread idea!
Bring on the little victories, for it is them that win the war. :)

1. Finally eligible for my company's 401K and am putting in 10%
2. So far keeping my expenses under 1K/mo and thus hitting and sometimes exceeding 50% savings. (Up from last quarter, when I started keeping track, which averaged around 48%)
3. I also lined my old, single pane apt. windows with cling film (or as I like to call them, window condoms)
4. Even with feeding my girlfriend a few dinners and a breakfast or two, I'm projecting $100 this month for food. That might rise a few bucks, time will tell.

It's fun to see everyone's small victories. Keep 'em coming! :D
Title: Re: Celebrations Thread
Post by: James on January 28, 2013, 12:30:57 PM
figured out how to connect my pellet stove to a wall thermostat so I can turn it down at night and while we are away.  Required quite a bit of internet research and splicing into the wires, but it works!
Title: Re: Celebrations Thread
Post by: Phoebe on January 28, 2013, 01:21:36 PM
We hit $300K in networth this month!! 
Title: Re: Celebrations Thread
Post by: SunshineGirl on January 28, 2013, 01:24:58 PM
Decided over the weekend to do drip irrigation and landscaping ourselves, which will be a savings of several thousand dollars.

Our shovel-happy 12-year-old son has already dug one of three tree holes. He'll also dig the line for irrigation.

It feels really good to have a DIY project after many years of hiring things out. It's because of this site that I steered us toward this route.
Title: Re: Celebrations Thread
Post by: frpeebles on January 28, 2013, 09:44:13 PM
93 MPG up from 23MPG for my work commute.

(http://imageshack.us/a/img90/7271/0123132352.th.jpg) (http://imageshack.us/photo/my-images/90/0123132352.jpg/)

I've also cut $200/mo out of the bills between gas, electric and car insurance.

Also: Hi. First post.
Title: Re: Celebrations Thread
Post by: kolorado on January 29, 2013, 08:46:51 AM
What a happy thread! I love it!
Victories this month:
-Menu planned every single day and spent only $290 on food for my family of 5
-reduced the heat settings to 64* during the day and 60* at night so we are now back at pre-kid levels(I have to remind the kids to put on their socks and sweatshirts constantly though or they turn into human icicles)
-sold over $100 worth of books, dvd's and games online
-spent only $14 in my Home/Health/Grooming budget category which is super hard for me as the category includes kitchen gadgets/tools/decor and that stuff is tempting and pricy
-Am currently taking three online classes on Finance, Personal Finance and Nutrition for Health and Disease Prevention. All have fairly obvious financial implications and benefits. :)
-Am regrowing a new head of celery from a stump. It may be small savings but it's so neat that it works!
Title: Re: Celebrations Thread
Post by: jpo on January 29, 2013, 08:52:52 AM
Turned in a form at work to put 100% of my bonus into my 401k. Person who turned in the form before me put 0%.
Title: Re: Celebrations Thread
Post by: The Taminator on January 29, 2013, 09:08:29 AM
My step-brother installed my new kitchen cabinets for free. Well, I had to feed him and make sure there was a steady supply of beer. The signage at Ikea said their installation charges "start at $99 a cabinet." I have 13 cabinets so this is significant savings. And the cabinets were on sale, a savings of $20 per linear foot.
Title: Re: Celebrations Thread
Post by: Self-employed-swami on January 29, 2013, 09:52:17 AM
93 MPG up from 23MPG for my work commute.

(http://imageshack.us/a/img90/7271/0123132352.th.jpg) (http://imageshack.us/photo/my-images/90/0123132352.jpg/)

I've also cut $200/mo out of the bills between gas, electric and car insurance.

Also: Hi. First post.

How did you do this?!
Title: Re: Celebrations Thread
Post by: atlantalee on January 29, 2013, 10:39:45 AM
Congrats to everyone on their accomplishments. Very impressive!

Just found MMM in December and have made several steps in the right direction:
Hoping my next accomplishment will be biking to work one day per week.
Title: Re: Celebrations Thread
Post by: tkaraszewski on January 29, 2013, 10:49:42 AM
93 MPG up from 23MPG for my work commute.

(http://imageshack.us/a/img90/7271/0123132352.th.jpg) (http://imageshack.us/photo/my-images/90/0123132352.jpg/)

I've also cut $200/mo out of the bills between gas, electric and car insurance.

Also: Hi. First post.

Hah, beat you!

(http://farm9.staticflickr.com/8336/8427755298_84902f89c0.jpg)

But really this isn't as frugal as it looks when you consider the cost of the car.
Title: Re: Celebrations Thread
Post by: Paul der Krake on January 29, 2013, 11:42:33 AM
Is this a Tesla? If so, I hate you. But there's an oil light! I'm so confused!
Title: Re: Celebrations Thread
Post by: tkaraszewski on January 29, 2013, 12:44:30 PM
It's a chevy volt.

Edit: frpeebles car is a 1st gen Honda insight, mine is a chevy volt.
Title: Re: Celebrations Thread
Post by: frpeebles on January 29, 2013, 12:50:13 PM
How did you do this?!
Moderate careful driving/efficient car.

Hah, beat you!
[image]
But really this isn't as frugal as it looks when you consider the cost of the car.

Mine was pretty inexpensive. Right in line with MMM's $5k suggestion. The goal is 100mpg but there are three different speed zones on the highway section of the commute and I don't hold up traffic and I don't draft.

Is this a Tesla? If so, I hate you. But there's an oil light! I'm so confused!

First gen Insight. http://en.wikipedia.org/wiki/Honda_Insight
Title: Re: Celebrations Thread
Post by: jpluncford21 on January 29, 2013, 12:54:49 PM
Fixed my dryer this week. All it took was a $20 part!
Title: Re: Celebrations Thread
Post by: Vahla on January 29, 2013, 03:44:29 PM
[EDIT]: I'm now teaching my second semester of an Excel course.  I'm using it as a front to teach a little Personal Finance (teaching "across the curriculum", as my wife puts it).
Everything thing your post was awesome but this is the best part!
Title: Re: Celebrations Thread
Post by: tmac on January 29, 2013, 03:51:21 PM
I just switched from my iPhone to a pay-as-you-go phone (with my contract SIM inserted), for a monthly savings of $30. I still have the iPhone which I will either sell or just use as an iTouch.
Title: Re: Celebrations Thread
Post by: Iron Mike Sharpe on January 30, 2013, 11:52:28 AM
Bought a townhouse last week.  Had been saving up money for a big down payment, closing cost and furnishing budget for a while.  I'm 40 and had been living with a friend for a while for dirt cheap.  But, I want to get back in the dating scene again and living in a slum apartment where your bedroom is the size of a prison cell AND has the furnace in it was not going to cut it.

I had also come to the realization last year that I was nowhere near preparing myself to retire or even retire early.  I had been playing around with spreadsheets to see how I could get to retirement sooner.  I came up with a minimum figure to save each year to allow me to retire in 15 years when my mortgage is paid off.  My mortgage, insurance, taxes and utilities for this townhouse should fall into this new budget I have.

One cool thing about this place is that the previous owner had been very anal retentive regarding the upkeep.  While the place is only 8 years old, they had put in awesome new hardwood floors (both my agent and the inspection guy said they would love to have those floors in their houses), upgraded the 1/2 bath with custom tile and a pedestal sink, and installed better cabinets.  They had added a lot of insulation in the attic too.  The current owner was around during the inspection and said they added one round of insulation and it reduced energy costs by 25% and then added a second round that decreased them by an additional 9%.  My inspector showed my photos of the attic and there appeared to be ski slope sized mounds of insulation.  He said the current owner had gone way overboard up there, but if I went up there with a rake and evened things out a little better I could probably decrease energy costs slightly more.  He said normally he can find at least one small thing wrong in every house he looks at like a leaky faucet or a stuck window, but he found nothing wrong in this house.  Score!

While I am not within biking range of work still (12 miles each way, but it is via a highway and crosses a major river with no bike path), at least I am cutting 4 miles each way from my commute.  And it is a less congested route so less stop and go driving.   

Also am moving from a city with a 1% city income tax to one without.  And it is a lower crime city so auto insurance will drop big time too.

And it appears that I overbudgeted for furnishing my house by a few thousand which I can then add the money I don't spend into my home maintenance/repair budget and my savings budget for a replacement car.

Currently driving an inefficient Grand Prix (at 23/MPH or so).  Want to buy a used Prius.  I think my plan of attack should be to keep driving the Grand Prix while it runs fine.  Once I start having to put expensive repairs into it, then make the switch. 
Title: Re: Celebrations Thread
Post by: kendallf on January 30, 2013, 01:23:52 PM
I just fixed my 94 Lexus SC300; it had a bad alternator.  Net cost: $0.

I work on all of our cars; I haven't paid anyone for repairs in the last 20 years other than a couple of specialized things like alignments and a trans rebuild or two.  My family just takes it for granted; cars break, Daddy fixes it, we keep driving.  :-)

About 2 years ago, I replaced all of the accessories on it (alt, A/C compressor, PS pump) with used parts from a lower mile car due to what turned out to be a bad crank pulley; I kept all of the old parts in the attic.  Went up there today, pulled down the old greasy alternator, checked it at the parts store just to be sure it was working, and R&R'ed it. 

My daughter came home just as I was finishing, looked at it kind of matter of factly, then got in it and drove off to gym.  Heh.
Title: Re: Celebrations Thread
Post by: Bill76 on February 01, 2013, 08:32:38 AM
Found a new parking garage at work, for a savings of $30/month!  Plus, now I get a nice walk each morning and afternoon, since I'm not parked right across the street anymore.  I'm not quite badass enough to bike 21 miles each way on 4-lane highways, and mass transit isn't an option where we live.  Moving isn't really an option either (we'd have to give up our chickens and acreage to move into town), so I'll take this small victory for now.
Title: Re: Celebrations Thread
Post by: frugalman on February 01, 2013, 08:55:54 AM
I love this thread, thanks so much, Arebelspy!
If you can contact MMM directly, we so NEED the ability to reply to a reply, so a particular reply can be a thread in and of itself.  On the forums as well as on MMM's main posts.
A nice to have, along these lines, would be a +1 like for replies..
Thanks for all you do, Arebelspy!

P.S. I paid off my mortgage in December.  I own my main home free and clear, and owe $90k on my second home (a vacation home that may become our primary residence in a year or two) so that is my recent celebration.
Title: Re: Celebrations Thread
Post by: arebelspy on February 01, 2013, 09:15:41 AM
No need to thank me, I don't do much, I just enjoy being a member of this community.  :)

If you can contact MMM directly, we so NEED the ability to reply to a reply, so a particular reply can be a thread in and of itself.  On the forums as well as on MMM's main posts.
A nice to have, along these lines, would be a +1 like for replies..

All that sort of stuff is limited by the capabilities of the forum software.  The best way to do the former is to just start a new thread and quote the post you were replying to (and link back to it) when starting your new discussion.
Title: Re: Celebrations Thread
Post by: kisserofsinners on February 01, 2013, 02:13:14 PM
My net worth as of January is more than my $50k income. Before MMM my lifetime most saved was $1000.
Title: Re: Celebrations Thread
Post by: sheepstache on February 04, 2013, 06:31:01 PM
Got a nice little brochure from Vanguard letting me know I'm a Voyager member now.
Title: Re: Celebrations Thread
Post by: sheepstache on February 04, 2013, 07:17:11 PM
Oh also, this is a cause for celebration and fellow finance-heads might get it more than others.  I asked my mother, as delicately as I could, if she needed any money because she's been out of work for like two years after a merger.  And she had sold her house and moved out to the middle of nowhere for the job when she still had it so opportunities were few and far between.  And she didn't have much of a work history and I knew when she and my dad got divorced that they each had substantial credit card debt and I'd never been totally clear how that got handled.

I got back a whole answer about how she took advantage of the market being up to cash out enough of her 401k to pay off her mortgage and the rest of her expenses until she's old enough for SS and pension will be covered by the remaining 401k and her side hustle.  Oh and she got long-term-care insurance in case she gets Alzheimer's like her mother.

Considering I'm an only child and my spouse is an only child, this was incredibly good news to find out that she's taken care of.  So its not badassity because I had nothing to do with it, but it is cause for celebration.
Title: GOING BACK TO WORK PART TIME
Post by: chatsc on February 06, 2013, 06:26:42 AM
I asked for another year off to stay home with my kids, but they said no.  I negociated for 3 days a week.  Not the victory I wanted, but a hell of a lot better than 5 days a week....
Title: Re: Celebrations Thread
Post by: ladycygnus on February 06, 2013, 04:45:19 PM
Just finished paying off one of the smaller high interest student loans. This makes over 30K paid off with only 7k left in one more low interest loan. That and given some large inflow I'll get soon I'll be completely done by May of this year!
Title: Re: Celebrations Thread
Post by: chatsc on February 07, 2013, 06:00:15 AM
received a lump sum from work (sev pay) and put it on my mortgage.  watched my mortgage amortization go down 3 years in the blink of an eye....very rewarding.
Title: Re: Celebrations Thread
Post by: mustachecat on February 07, 2013, 06:31:42 AM
So much awesome in this thread! Congrats, all. Super inspiring.
Title: Re: Celebrations Thread
Post by: martynthewolf on February 07, 2013, 06:32:39 AM
I've not spent a penny in or out of work so far this week and I plan not to until valentines day. The only thing I have paid for is petrol which was £43.01. It's really nice to see my bank balance staying stationary. Especially with only a couple of weeks to pay day when I will reduce my debt burden by just over £300.
Title: Re: Celebrations Thread
Post by: tmac on February 07, 2013, 10:31:02 AM
I start a new job next week. It's half-time, and I only have to go into the office one morning a week. The money will go first into increasing our food and clothing budgets slightly ($50/each), and the remainder will build buffers in our personal and business accounts.
Title: Re: Celebrations Thread
Post by: kendallf on February 07, 2013, 08:05:37 PM
Fun to read these.  :-)

Mint.com just saved me money again; I learned about it from MMM and so far it's saved me somewhere over $250/month!

I have been keeping our landline phone, mostly so I have a number to give for bills/purchases, and I have had it on Vonage for several years.  Mint flagged this and had an affiliated offer for another VoIP product.  That got me comparing online; I ended up going with another product (NetTalk), so Mint didn't get the affiliate sale, but I'm still grateful for the prod to check out other options.

My Vonage account, with taxes and fees, was $37/mo; the NetTalk will be ~$30/year ($53 initial hardware purchase that included a year's service).  It all adds up!
Title: Re: Celebrations Thread
Post by: HelloHuey on February 14, 2013, 07:07:53 AM
I recently found a killer deal on some mountain bike wheels through a holiday sale, and I grabbed the opportunity by the horns.  I was able to purchase six sets of these wheels via my promotional 0% interest, 1% cash back credit card, and I proceeded to sell them on ebay over the course of about two months.  I was able to make just over $100 per set, while still offering the cheapest price on ebay at the time!  I immediately paid the balance on my credit card and invested my 33% return on investment elsewhere.

So happy to be able to find constructive ways of making money and giving other people reasonable deals at the same time!
Title: Re: Celebrations Thread
Post by: jdoolin on February 15, 2013, 01:14:37 PM
Biked in the rain and snow for the first time today.  It wasn't planned, but I didn't care.  It was about 32-34F, so hovering right above freezing, and a little breezy.

I stopped at a store and still had the helmet on, and some guy says, "Did you ride a bike today?  That's your bike out there?"

Me: "Yes sir."
Guy: "Are you crazy?"
Me: "No, I'm just a badass."

It actually got a few laughs from a few passers by.  :-)
Title: Re: Celebrations Thread
Post by: Emerald on February 15, 2013, 06:45:57 PM
I got a major work schedule win this week.  Starting in May, I'll be working a 4 -10 work week.  I'll have to work every weekend, but that also means I'll get extra pay for holidays, Sundays and Nights.  Plus I'll save almost a tank of gas a month only commuting 4 days/week.   WIN!
Title: Re: Celebrations Thread
Post by: icefr on February 15, 2013, 08:05:37 PM
In the last two months, I've knocked $600 out of my budget. We'll see how the actual spending breakdown ends up, but I'm pretty happy about this. My required monthly cash flow was sitting around $3,800 for a SINGLE person. (That includes travel and everything, including renewing my passport and driver's license and my mortgage.) I've now got it down to $3,000-3,200/month. Still a bit high for a single person, but much better. And if the mortgage was gone, that means I'd only be spending $2,000/month. Progress!
Title: Re: Celebrations Thread
Post by: norvilion on February 18, 2013, 11:54:33 AM
Replaced my own brakes and rotors for the first time- most of that time was spent on one stubborn bolt that wouldn't loosen for anything. Finally got it moving after spending 20 minutes working at it with a breaker bar.

It almost looks like the person who had the car before me had never changed them in the car's life o_o;
http://img.photobucket.com/albums/v467/norvilion/OldBrakes_zpsc98951f6.jpg (http://img.photobucket.com/albums/v467/norvilion/OldBrakes_zpsc98951f6.jpg)
Title: Re: Celebrations Thread
Post by: frpeebles on February 19, 2013, 01:06:01 AM
Those look like they wore well. Shouldn't complain!
Title: Re: Celebrations Thread
Post by: Nancy on February 19, 2013, 06:33:57 PM
Increased my 401K contribution by 17 percentage points! I decided to delay my student loan payoff date (by a few months) in order to build up more in my 401K.
Title: Re: Celebrations Thread
Post by: tmac on February 19, 2013, 07:23:11 PM
I started a new half-time job today (added to the 1/4-time job I have with our family business). It'll add about $1000 to our net income.
Title: Re: Celebrations Thread
Post by: startingover on February 19, 2013, 08:19:18 PM
Today was my first day off in my new 4 -10 hr. shifts.  I got up early and ran all my errands, and looked at my bills to see how I could save a little.  Not much, however, I did get the 4/10s and the other 25 employees did not!  I will start making money next week.  Today I saved by not spending what I shouldn't!  I wanted a donut or chips so bad at the grocery store, but held out!! 
Title: Re: Celebrations Thread
Post by: jenstill on February 22, 2013, 08:19:36 AM
I am brand new to this community and even this idea of not living as a Sukka Consumer (that still cracks me up every time). So, for many of you these are probably no-brainers, but for the first time in my life, I no longer have cable TV (savings $39.96/month) and I just canceled the voice mail on my telephone line. Turns out my telephone has an answering machine in it, so I just figured out how to use that instead at a savings of $7/month, and canceled the telephone line wire insurance plan through Fairpoint (savings of $4.99/month). Also, since I started reading all of these posts about 3 weeks ago, I have spent a grand total of $68 on groceries for a family 5 + 1 very large dog and we've eaten out zero times. Before MMM, I averaged $150/week for groceries + 2-3 lunches out per week. We didn't stop eating obviously (3 teenagers!), but instead I've been looking to the things I already had in pantry and freezer, planning ahead, and cooking at home rather than running out to buy new stuff all the time or grabbing a pre-made meal. We ran out of milk last week and I didn't buy any for 3 whole days. We drank water instead. No one died. So far, so good!
Title: Re: Celebrations Thread
Post by: Zaga on February 22, 2013, 08:56:32 AM
Love this thread!

Last week, even with paying over $200 of mom's bills (we've taken over her utilities) we stayed within our weekly budget!

I've also been making my own bread weekly and it's great.

Finally this year should be a banner year for adding to our retirement funds, doing better than ever so far!
Title: Re: Celebrations Thread
Post by: arebelspy on February 22, 2013, 09:08:55 AM
Love this thread!

Last week, even with paying over $200 of mom's bills (we've taken over her utilities) we stayed within our weekly budget!

I've also been making my own bread weekly and it's great.

Finally this year should be a banner year for adding to our retirement funds, doing better than ever so far!

Awesome!

Also, mini-celebration for you personally.  Happy Birthday!
Title: Re: Celebrations Thread
Post by: Zaga on February 22, 2013, 09:14:27 AM
Hee hee, I didn't see the little cake by my age!  Thanks!
Title: Re: Celebrations Thread
Post by: Nords on February 23, 2013, 07:02:24 PM
I learned today that The-Military-Guide.com (IP address 66.147.244.145) shares Bluehost rack space with MrMoneyMustache.com.

Unfortunately I had to learn that because I couldn't access either website for nearly 24 hours.  Fortunately Bluehost can actually spell "tracert" and was able to prove that it was Hawaiian Telcom's DNS problem.  After an argument with Hawaiian Telcom's script reader tech support, they believed me and fixed it.

I initially tweeted and e-mailed Bluehost.  It never in my life would have occurred to me to phone them up.  However when a fellow blogger suggested doing so, Bluehost had a live human on the phone within 90 seconds.  Dealing with Hawaiian Telcom was a little different-- two separate phone calls, both on hold for 15+ minutes, they finally called back 12 hours later.  And then they argued with me.

It's been a while since I've had to unleash my inner geek, but long ago I made a promise to only use those powers for good.  Hopefully Hawaiian Telcom really did fix the problem and I'll really be able to post this!
Title: Re: Celebrations Thread
Post by: mm31 on February 23, 2013, 10:20:37 PM
Just cut cable, saving around $71/month. We've been using a raspberry pi computer running raspbmc and xbmc to watch our favorite shows and are satisfied with it.

Next up: our cell phone bill! I've been looking at ting since my cell phone usage is minimal
Title: Re: Celebrations Thread
Post by: sheepstache on February 24, 2013, 01:09:47 PM
Made $225 freelance side work last week.  Due to make another $350 this week.

After hemming and hawing a long time, checked in with Eastern Mountain Sports about a rain shell I bought 3 years ago that has been disintegrating in the lining.  I "exchanged" it for a 40% discount on the next model up which they say won't have that problem.  Of course, could just be slick salesmanship since the next model up is twice as much but that means I effectively got back 80% of my purchase price for the original coat, so I'm going to be optimistic and focus on that.  And the fact that my coat doesn't make me look like a homeless person anymore.

Opened brokerage account at Vanguard (now that I'm Voyager and don't have to pay yearly fee) to purchase my first etf.
Title: Re: Celebrations Thread
Post by: Parkertom on February 24, 2013, 04:12:26 PM
Just came across this blog around the first of the year. Spent the next week or so reading every post from start to finish. I am not nearly as badass as most here. We are at a 40% savings rate. Mortgage interest kills us, but we are looking into how we can move to a less expensive home in the near future. Anyway, my celebration was finding a free bike trailer on freecycle today. Works perfectly! Will help me bike more for trips to the store and to take my son along.
Title: Re: Celebrations Thread
Post by: ScienceRules on February 25, 2013, 06:39:13 AM
I got my first manuscript accepted!
Title: Re: Celebrations Thread
Post by: jpluncford21 on February 25, 2013, 06:51:09 AM
I've been wanting to get into home brewing for some time. A  neighbor sent me a link to a linging social deal that included a complete kit, an ingredient kit, and a coupon for $25 off another ingredient kit...all for $76. That's about $100 less than what I could find it for anywhere else; and, I ran the numbers after ordering my second kit and I am already coming out ahead using a conservative # of $7/six pack! Plus, my wife and I get to enjoy another hobby together. Thought that was a small, but great win to post here!
Title: Re: Celebrations Thread
Post by: JessicaRed on February 26, 2013, 04:17:11 PM
I only stumbled across MMM two days ago....but I've already made a crazy excel spreadsheet of my projected income (only just starting career at 26, currently 75k in debt) where I can show myself an estimate of where my future stash will be year after year, factoring in taxes and with 4% compound interest/added growth. Then I did formulas to show what kind of income I could pull from the finished stash depending on the interest rate.

Pretty freaking thrilled to see that I could retire by 40! Just wish I'd known of this MMM philosophy earlier!
Title: Re: Celebrations Thread
Post by: startingover on February 26, 2013, 05:45:05 PM
Way to go ScienceRules on that manuscript!! 
Title: Re: Celebrations Thread
Post by: Nords on February 26, 2013, 10:41:37 PM
We replaced our 15-year-old solar water heater tank with a new solar water heater tank.  The old tank was only $125 (Craigslist!) but it had a number of design deficiencies and I made some rookie mistakes back then.  The new one is much better tech, and now I'm a much better tech too.  I've spent the last few days doing a little prep and pre-assembly, but today was the day that we put our hot water out of commission and swapped tanks.  Luckily ("the harder I work...") everything went great, the hot water is back in service, and tomorrow I can spend a couple more hours neatening & insulating the piping runs.  The new tank's efficiency means that we'll use less electrical pumping power to store hot water at a higher average temperature for even longer.  It's probably only 10 KWHr/month, but then our net electricity use is usually under 50 KWHr/month. 

I got my first manuscript accepted!
Congratulations, and now the real fun starts!
Title: Re: Celebrations Thread
Post by: ScienceRules on February 27, 2013, 04:21:17 AM
I got my first manuscript accepted!
Congratulations, and now the real fun starts!

Thanks Nords and StartingOver! Yup, back to the lab...
Title: Re: Celebrations Thread
Post by: jpo on February 27, 2013, 10:38:44 AM
Due to a last-minute contribution to max out my HSA for 2012, I not only saved on my taxes but also am now able to invest within my HSA!
Title: Re: Celebrations Thread
Post by: daymare on March 03, 2013, 04:30:02 PM
The assets in my retirement account just passed 40K!  This is at 23, after working for 1.5 years.  This makes me happy :)
Title: Re: Celebrations Thread
Post by: Khao on March 03, 2013, 05:39:43 PM
Just started freelancing a bit doing websites, software and IT help for some guy. Received my first $200 and this guy has plenty more work for me on the way! My side-gig will make my stash grow a lot working at $40/hr.
Title: Re: Celebrations Thread
Post by: c on March 03, 2013, 07:00:07 PM
For the entire month of Feb I cooked all meals from scratch and took breakfast and lunch to work every day. I did not go to a single restaurant or bar. I honestly don't think I can the same of any other month in the 21 years since I moved out of my parent's house.
Title: Re: Celebrations Thread
Post by: jeepbraah on March 04, 2013, 09:12:14 AM
Finally invested in some I bonds.
Title: Re: Celebrations Thread
Post by: bigchrisb on March 04, 2013, 10:03:48 PM
Managed to re-work my investment loans to drop my interest bill by over $500/month.  Some pay-down and further re-structuring planned between now and 30 June to try to bring the saving to in excess of $1000/month.  Hopefully I get to claim a celebration again then!
Title: Re: Celebrations Thread
Post by: nancylee on March 08, 2013, 07:57:49 AM
Hi all,
Just paid of my one credit card, had almost $500 on it!!!

In two weeks, I am paying off my other credit card. My husband is paying off his motorcycle next month, then we are going to "snowball" that money to our ATV (we use it for plowing, not for fun, we have a very long driveway, we live in very rural NY) and that will be paid by Jan 2014. Then the extra from the motorcycle and ATV we are going to put towards my car. We have a boat we owe $$ on, we are putting it for sale this spring.

My goal is to be debt free in 3 years, and mortgage free in 5 years. This, from being one who never thought about debt as prison up until a few weeks ago.

Yay!!!
Nancy from NY
Title: Re: Celebrations Thread
Post by: teacherman on March 08, 2013, 03:04:35 PM
Ok I know this is small beans, but I just cancelled my AT&T internet service after making a deal with my friend (neighbor) to share wifi. Fck you ATT!!!!
Title: Re: Celebrations Thread
Post by: startingover on March 09, 2013, 01:52:43 PM
So who's going to get a "like" button on this forum!! 
Title: Re: Celebrations Thread
Post by: mm31 on March 11, 2013, 01:06:09 AM
Cut our energy bill in half this month. Hate winter, can't wait for summer (I never need AC)
Title: Re: Celebrations Thread
Post by: aclarridge on March 11, 2013, 08:47:08 AM
Hi all,
Just paid of my one credit card, had almost $500 on it!!!

In two weeks, I am paying off my other credit card. My husband is paying off his motorcycle next month, then we are going to "snowball" that money to our ATV (we use it for plowing, not for fun, we have a very long driveway, we live in very rural NY) and that will be paid by Jan 2014. Then the extra from the motorcycle and ATV we are going to put towards my car. We have a boat we owe $$ on, we are putting it for sale this spring.

My goal is to be debt free in 3 years, and mortgage free in 5 years. This, from being one who never thought about debt as prison up until a few weeks ago.

Yay!!!
Nancy from NY

Just looking through these and this sounded most impressive! Keep it up and don't rest on your laurels :)

Awesome work everybody else as well!

Mini-celebration for me - switched my wife off her phone plan to pay-as-you-go like mine, we should be running at about $10-15/month now each.

Also, weaseled my way into getting my work to pay for my gym membership (well, really just took advantage of their wellness program) which should save me about $1000 in gym fees and some fitness equipment I'll buy this year.
Title: Re: Celebrations Thread
Post by: wepner on March 13, 2013, 04:14:32 AM
I'm a millYENaire!!! Sure a million yen is only 10,000 dollars but I've only been working in Japan for a little over a year (and have only been following my finances cloesly since January).

I've still got work to do but I'm saving more of my money every month so I'm feeling good about e direction things are going.
Title: Re: Celebrations Thread
Post by: jenstill on March 14, 2013, 05:33:56 AM
It's extremely expensive to heat this 120-year old house in a Vermont winter; I've only lived here a year but the average heating has been $1150 per month in winter just to try and keep it at 62 degrees. This caused me to get behind for the first time in my life on my heating & electric bills and was very stressful, not to mention physically uncomfortable the couple times we ran out of oil and I couldn't pay for more. Due to implementing some things I've learned here and a medium-sized tax refund, I paid off one small credit card, one large one (large to me: $2000), plus got caught up on my heating oil and electricity bills this month!

I've also begun planning to do some work over the (short) summer that should pay off next winter like adding insulation, replacing a couple of old windows, and hopefully installing a pellet stove. After reading through the DIY threads, I feel sure I can do most, if not all, of this myself and am excited to get started!
Title: Re: Celebrations Thread
Post by: maryofdoom on March 15, 2013, 08:56:21 AM
I finally got the husband to call the life-insurance company that's been soaking us for $60 per month and surrender his policy. Which means that we will shortly be obtaining about $5,800 that we can use to max out his Roth IRA for 2013 and also freeing up $60 more per month to go to the mortgage this year.

Up next: destroying our cell phone bill.
Title: Re: Celebrations Thread
Post by: snshijuptr on March 16, 2013, 04:47:58 PM
Yesterday I finished my PhD! Of course now this means I'm unemployed. Oh well I'm going to enjoy my time with my daughter and minimize our belongings in the hope that my husband and I will get one of the jobs we've both been applying and interviewing for.

Next steps: Get jobs and move in with my parents while we save to put 20% down on a home.
Title: Re: Celebrations Thread
Post by: Jon_Snow on March 18, 2013, 07:24:22 PM
Lots of things to celebrate lately - hot on the heels of my wife's large company bonus, we are soon to receive a 5k tax refund.

Also, my wife and I have agreed that I am going to "retire" from my current job during the Spring of 2014... so I am now in a 1 year countdown to a new life and to becoming a new man. Melodramatic? Perhaps, but I am serious about making positive changes to not only myself, but my marriage, my family, and the world at large. My job has been my primary focus in my life the last 23 years, and I am ready to change this.

One. More. Year.
Title: Re: Celebrations Thread
Post by: snshijuptr on March 19, 2013, 12:19:06 PM
After about a year of having a bag of dried pinto beans, I just figured out how to pressure cook the beans! This actually makes dried beans feasible. My daughter loves beans, and I've been wanting to learn to cook with beans more often.
Title: Re: Celebrations Thread
Post by: startingover on March 19, 2013, 12:54:03 PM
Way to go Jon_Snow and snshijuptr!  My Man and I are working on our retirement too.  We will get there!  As far as learning to cook new things, snshijuptr, I am baking bread and learning how to make bagels and syrian bread.  We live down the street from a butcher and bought a ton of ground deer meat.  (it's half the cost of hamburger) I'm learning how to cook it in a bunch of different ways.  Chili is getting old, and we are tired of that.  Today I'm making meatballs with sauce.  Does anybody have any recipes for ground?
Title: Re: Celebrations Thread
Post by: Mama Minou on March 19, 2013, 09:10:42 PM
These are great!
I've paid off 13% of my remaining mortgage since January 1.
Title: Re: Celebrations Thread
Post by: Dancin Mustachian on March 20, 2013, 02:21:50 AM
Our Mini Mustachian just hit his first grand!!! Pretty impressive for only being 8 months old. We're deciding on how/where to start investing it now.

In other news, my husband and I are ahead enough on our budget that we have the first third of April's bills in the bank. That's by date, not amount, so it's actually most of it. By the end of March we might even have all of April's bills, if not all of the budget ready to go.

YNAB + MMM= Fuck Yeah!
Title: Re: Celebrations Thread
Post by: lifejoy on March 20, 2013, 08:55:15 PM
I am in emergency debt repayment mode, and have 2-4 jobs to make it happen! In addition to limiting my spending and maximing my savings/investments.
Title: Re: Celebrations Thread
Post by: clarkai on March 20, 2013, 09:03:28 PM
I have learned to like lentils.
Title: Re: Celebrations Thread
Post by: madgeylou on March 21, 2013, 10:05:03 AM
we're selling our hoooooooouse <insert obnoxious cabbage patching here>

i can't wait to be a renter again! yippee!

also, i made my niece a teepee and, at her birthday party when i gave it to her, got an order for another. that's $100 for doing some fun and easy sewing on a saturday afternoon. maybe i can start a small cottage teepee industry.
Title: Re: Celebrations Thread
Post by: kdms on March 21, 2013, 11:29:49 AM
Way to go Jon_Snow and snshijuptr!  My Man and I are working on our retirement too.  We will get there!  As far as learning to cook new things, snshijuptr, I am baking bread and learning how to make bagels and syrian bread.  We live down the street from a butcher and bought a ton of ground deer meat.  (it's half the cost of hamburger) I'm learning how to cook it in a bunch of different ways.  Chili is getting old, and we are tired of that.  Today I'm making meatballs with sauce.  Does anybody have any recipes for ground?

Lasagna?  Sausage patties?  Meat pie/tourtiere/meatloaf?  It's the only red meat we eat here, and we've found it to be pretty versatile.  Anything you use ground beef for I'm pretty sure you can also use venison (there might be exceptions)...just remember the much lower fat content and compensate accordingly, either by adding something (like pork) to increase the fat content, or cooking it for less time so it doesn't dry out.  Or here's a thought...mix it with spices and a binding agent of some sort (egg, maybe?), flatten it out, and dry it into jerky for snacks?  Google will be your best friend for recipes.  :)
Title: Re: Celebrations Thread
Post by: jdoolin on March 23, 2013, 02:01:23 PM
My wife and I paid off the last of the credit card debt today!  It was several thousand as of about 6 months ago.

Now we're going to furiously save a 20% downpayment for a home.  Should take about 8 months to save enough for what we're looking for.
Title: Re: Celebrations Thread
Post by: Zaga on March 23, 2013, 03:02:15 PM
We did 2 little things today, one that saved us quite a bit of money!

1.  I made homemade buns while making my weekly bread, they are great!
2.  Our reclining love-seat was broken on the one side, it would recline but not un-recline.  We turned it over today, found the problem, and bought the $0.70 part and fixed it.  Much better than getting DH a new recliner!  He's now happily sitting on the couch with his doggy watching a movie.
Title: Re: Celebrations Thread
Post by: LizzyBee on March 23, 2013, 05:21:36 PM
I thought my husband and I were frugal before I found this blog, and relatively speaking I guess we were compared to most of our friends. Since we already saved 45% of our income before finding MMM, I wasn't sure where we could cut out expenses even more. Further, I wasn't sure my husband would go for whatever plan I schemed up. After presenting my husband with some of the ideas on this blog, we decided to:

1. Cancel Netflix (savings $8/mo)
2. Reduce our car insurance coverage (savings of $50/mo)
3. Reduce our healthcare coverage and start an HSA (savings of $50/mo which accounts for the additional $100/mo towards the HSA)
4. Switch phone plans in August when our contract expires (savings of $75/mo)
5. Negotiate for better rates for internet (savings of $15/mo)
6. Reduce our personal spending allowances from $300 each to $200 each

That's a total of $398 a month! The biggest success was getting my husband excited about all of these changes. He's even proposed a few more like reducing the amount of coffee he drinks from his fancy espresso machine.
Title: Re: Celebrations Thread
Post by: Jon_Snow on March 23, 2013, 05:34:33 PM
Renewed our tiny mortgage for another year. Managed to get our rate reduced to 2.7%. Our mortgage is now $268 monthly. We can't bring ourselves to pay it off when rates are this low. Alot of Canadian REITS  are paying in excess of a 6% return, so we feel better about putting our money there. Things are really on track...
Title: Re: Celebrations Thread
Post by: mm31 on March 25, 2013, 01:14:57 PM
Finally off Verizon. We are both on Ting now, anticipating our bill to be around $40/month, down from $120.
Title: Re: Celebrations Thread
Post by: Accidental Miser on March 25, 2013, 01:27:52 PM
Just broke 200k net worth on mint.com!!
Title: Re: Celebrations Thread
Post by: kdms on March 25, 2013, 01:36:42 PM
I just successfully replaced the blower motor resistor in my jeep - we've been without heat for (an embarassing amount of time).  Literally took 8min from start to finish.  Next up: figuring out why we only have heat when the car is actually moving.  :D
Title: Re: Celebrations Thread
Post by: frugalman on March 26, 2013, 02:40:45 PM
We've moved our iphones off of Verizon at $149/mo onto Airvoice at $20/mo total.  No data, I can live without that for $120 a month.  I get more work done too because I'm not constantly checking my email and facebook (and I can't get those at work).

Also did a little DIY this past weekend, moved a light fixture, hung a mirror, hung a wall cabinet in our cabin's master bathroom.  It felt good to DIY, this is definitely not my strong suit, but just bringing the tool bag and some patience and it eventually got done.  I'm proud of me!
Title: Re: Celebrations Thread
Post by: mm31 on March 26, 2013, 10:46:22 PM
Just sold my iphone for a cool $200. Should pay for about 5 months of phone service on ting
Title: Re: Celebrations Thread
Post by: KatieSSS on March 27, 2013, 10:08:12 AM
Just increased my retirement contribution by 1% at work! That will make for an extra $450 a year in contributions. I am now saving a total of 6% of my salary (pre-tax) in addition to the 12% my employer contributes.  I was able to do this by decreasing the amount of pre-tax money that goes on my transit card. I discovered I wasn't using all of the transit money every month, so by bring that amount down I had room to increase my retirement contribution!
Title: Re: Celebrations Thread
Post by: Emerald on March 28, 2013, 12:33:13 PM
Dumped Verizon yesterday.  Will dump Direct TV tonight. 
Title: Re: Celebrations Thread
Post by: happy on March 29, 2013, 01:14:14 AM
Just crossed another 50k level on my net worth ladder! Yay!
And crossed under a 10k level on the mortgage ahead of projections! Yay!
Bank interest per month on my mortgage  is now less than one of my fortnightly repayments! Yay!
Doing my little mustachian victory dance :)
Title: Re: Celebrations Thread
Post by: marty998 on March 29, 2013, 06:02:10 AM
That sounds a lot like me....my monthly interest fell below a my fortnightly repayment a month ago. However I don't think it means anything, 'cept for the warm fuzzy feeling of knowing you are making progress at hacking away at the beast.
Title: Re: Celebrations Thread
Post by: jpo on March 29, 2013, 07:07:47 AM
Hit 100k net worth according to Mint!
Title: Re: Celebrations Thread
Post by: happy on March 29, 2013, 05:44:16 PM
Congratulations JPO!
Yeah Marty I agree it doesn't "mean" anything....just another of my arbitrarily decided subgoals I created in order to get that warm fuzzy feeling.......I do like the fact that of my regular mortgage repayments I'm paying more down than the bank is sucking back off me.
Title: Retired this week - 20 years of bike commuting.
Post by: chardog on March 30, 2013, 09:21:16 PM
My last day at w*rk was Thursday - at a not extremely young, but still respectable ER age of 48. :)  Not bad for public sector service required to earn a pension (and additional mustachian investments)

I decided to bike commute over 20 years ago.  Over 50,000 miles and many other mustachian decisions later the MMM community helped me determine that it was time to ER.
 
The MMM community are kindred spirits I did not know of until recently.  The site and forum have helped confirm my past, current and future choices.  The future is indeed bright.  Lots of wonderful experiences planned for hiking, biking, kayaking, snowboarding, etc.  Plab to visit Arkansas, Oregon, Alaska and Wyoming this summer. 

If any fellow members of the MMM community find yourselves in Austin, I would be happy to join you for a bike ride (on or off road)
Title: Re: Celebrations Thread
Post by: Adventine on March 31, 2013, 01:52:16 AM
Tomorrow, April 1, 2013, will mark four years since I started working full time. In 2009, I didn't have a cent to my name. I didn't have a bank account. I didn't even know how to open a bank account!

Today, my expenses/net worth spreadsheet hit a magical number. A symbolic milestone that 2009 Me hardly dared consider possible. It just seemed so far away. It seemed like I would have to make some superhuman sacrifices to get to that number.

Fast forward to 2013 Me, with a savings rate of 60% and about 10 years away from FIRE. Still not completely free from self-doubt or fear.

But I've definitely got a lot more confidence in the future and in my ability to shape my life according to my desires.
Title: Re: Celebrations Thread
Post by: chardog on March 31, 2013, 09:44:34 AM
Tomorrow, April 1, 2013, will mark four years since I started working full time. In 2009, I didn't have a cent to my name. I didn't have a bank account. I didn't even know how to open a bank account!

Today, my expenses/net worth spreadsheet hit a magical number. A symbolic milestone that 2009 Me hardly dared consider possible. It just seemed so far away. It seemed like I would have to make some superhuman sacrifices to get to that number.

Fast forward to 2013 Me, with a savings rate of 60% and about 10 years away from FIRE. Still not completely free from self-doubt or fear.

But I've definitely got a lot more confidence in the future and in my ability to shape my life according to my desires.

So badass that you are figuring this out at an (I assume) young age.
Title: Re: Celebrations Thread
Post by: chardog on March 31, 2013, 09:46:45 AM
Tomorrow, April 1, 2013, will mark four years since I started working full time. In 2009, I didn't have a cent to my name. I didn't have a bank account. I didn't even know how to open a bank account!

Today, my expenses/net worth spreadsheet hit a magical number. A symbolic milestone that 2009 Me hardly dared consider possible. It just seemed so far away. It seemed like I would have to make some superhuman sacrifices to get to that number.

Fast forward to 2013 Me, with a savings rate of 60% and about 10 years away from FIRE. Still not completely free from self-doubt or fear.

But I've definitely got a lot more confidence in the future and in my ability to shape my life according to my desires.

So badass that you are figuring this out at an (I assume) young age.

April No Fool day! :)
Title: Re: Celebrations Thread
Post by: maryofdoom on March 31, 2013, 10:09:40 AM
Another celebration for me: we got the check in the mail from the husband's terrible life insurance policy. I asked him what he wanted to do with it, since it's his own money that he saved up. He said, "Can we put it in my Roth IRA?"

One fully-funded Roth IRA for 2013, coming right up!
Title: Re: Celebrations Thread
Post by: Adventine on March 31, 2013, 08:39:38 PM
Tomorrow, April 1, 2013, will mark four years since I started working full time. In 2009, I didn't have a cent to my name. I didn't have a bank account. I didn't even know how to open a bank account!

Today, my expenses/net worth spreadsheet hit a magical number. A symbolic milestone that 2009 Me hardly dared consider possible. It just seemed so far away. It seemed like I would have to make some superhuman sacrifices to get to that number.

Fast forward to 2013 Me, with a savings rate of 60% and about 10 years away from FIRE. Still not completely free from self-doubt or fear.

But I've definitely got a lot more confidence in the future and in my ability to shape my life according to my desires.

So badass that you are figuring this out at an (I assume) young age.

April No Fool day! :)

Just turned 24. Thank you :)
Title: Re: Celebrations Thread
Post by: clutchy on March 31, 2013, 09:20:22 PM
Several decent celebrations recently.

1. Got a free toilet iphone from my mother in law; fixed it.

2. renewed our cell contract, sold iphone 5 for a handy $350 net, basically just reduces our contract cost.

3. Implemented a substantial savings plan that puts 42% of my income into savings investments automatically and ALL overtime gets booked to investments savings.  Last check was 57% saved.

4. testing a new budget with the wife.  This one is pretty shaky since March was the first month.  It appears to be slowing spending but it's not there yet.

5. committed to fully funding my Roth every year.  Wrote the check for 2012 just this last week.

6. Passed, so far, 3 out of the 4 sections for my CPA license.(should be studying instead of typing...)
Title: Re: Celebrations Thread
Post by: WestCoastGirl on April 04, 2013, 01:25:36 AM
I've been out of grad school and working for 5 months. I've been hooked on this site for 3 weeks. I get so energized by the people here.

1. I switched jobs from a 1hr commute each way to a >7km cycle, landed my dream job & I make ~15% more while working fewer hours

2. Reduced iphone bill from $65 to $30.

3. Emptied savings to pay off my student loan in full today (I still owe my parents some money, but with no interest)

4. Switched RRSP to low cost index funds via a discount broker

5. Started handcycling to work with a rental & now trying to diy modify my bike to make commuting permanent

6. New rule for social drinking/gatherings - one beer or one appy (not both & never dinner)

7. Finally using craiglist for selling, not buying.


Title: Re: Celebrations Thread
Post by: Jenga on April 04, 2013, 07:51:19 AM
I just paid off the last little bit of the Consolidation Loan I co-signed for my Brother-in-law, and I am officially, completely, totally debt-free for the first time since college!

Now I can concentrate on Saving!  :D

Title: Re: Celebrations Thread
Post by: daymare on April 04, 2013, 09:55:01 AM
A few things:

1) Switched from my Verizon contract to a no-contract MVNO.  Prior bill was $100/month on a 2-year contract (which work paid for), current bill will be $30/month for WAY more minutes/texts than I need, and enough data to get by.  I'm really excited to have more freedom and the ability to go to an even lower/cheaper plan (ie, $12/month or pay-as-you-go) if I so desire.

2) Got in to grad school!  Going to a top program to do my PhD, and have really reasonable stipend of 31K.  The best part is I'm committed to continuing to max out my Roth, and I think I can totally do it!

3) Am taking a few months off before school starts to enjoy life, good weather, and write a book.
Title: Re: Celebrations Thread
Post by: BlueBird on April 04, 2013, 04:49:55 PM
I love this thread!  It's so motivational!

Our victory this week was paying off a credit card (0% interest) that we had to use for an emergency.  I'm so excited about it that I've been doing a lot of dancing around the house and jazz hands....
Title: Re: Celebrations Thread
Post by: KatieSSS on April 05, 2013, 11:58:18 AM
These are small, but I consider them celebrations:

1) Learned how to make home-made hand lotion with an avocado

2) Bought hair conditioner for 30 cents!
Title: Re: Celebrations Thread
Post by: kkbmustang on April 07, 2013, 09:34:39 AM
I just sold a headboard on Craigslist in less than 24 hours. I bought it 3 years ago on a wicked sale for $150. I just sold it for $150.
Title: Re: Celebrations Thread
Post by: artistache on April 11, 2013, 05:05:00 AM
Found the exact pair of shoes I needed (suitable for work, cool enough for social events, well-made) on clearance for $20!
Title: Re: Celebrations Thread
Post by: SMMcP on April 12, 2013, 04:39:58 PM
Just got the lowest electric bill I've ever had and have lived in this house for 6 years. Rates have gone up over the last year too.
Title: Re: Celebrations Thread
Post by: SMMcP on April 12, 2013, 04:41:52 PM
I just sold a headboard on Craigslist in less than 24 hours. I bought it 3 years ago on a wicked sale for $150. I just sold it for $150.

Zero cost of ownership for 3 years - that is great!
Title: Re: Celebrations Thread
Post by: olivia on April 13, 2013, 09:23:43 AM
Just cancelled my cable ($130/month, RIDICULOUS) with little argument from my husband (who LOVES TV) and I just cancelled my CrossFit membership ($175/month) since I will now be biking 5 miles round trip to work.  So we'll have $305 a month less in expenses.
Title: Re: Celebrations Thread
Post by: arebelspy on April 13, 2013, 09:26:55 AM
We just closed on a house purchase yesterday that we've had in escrow since December 2011.   It was a long wait, but worth it.
Title: Re: Celebrations Thread
Post by: Another Reader on April 13, 2013, 10:08:17 AM
Sounds like the short sale from hell.  But you got it at the 2011 price, so it was worth the wait!
Title: Re: Celebrations Thread
Post by: arebelspy on April 13, 2013, 10:23:25 AM
Sounds like the short sale from hell.  But you got it at the 2011 price, so it was worth the wait!

Yeah, it was an ordeal.  We didn't get it at the original price, unfortunately, because the bank does their own appraisals (BPOs) and counters, but we did end up with a really good deal regardless that I'm quite happy with.
Title: Re: Celebrations Thread
Post by: Rural on April 13, 2013, 05:45:55 PM
Called to complain about a "change of service" fee on my first internet bill for the new house (it was put there because when I called to check on when our install might be, the rep told me about a better deal and switched us ... before the service was installed. That's not a change, and I told them so.

The rep today waived that fee ($5, but still) and told me we still weren't getting the best deal, which is $44.99 instead of $59.99 for "best effort" DSL. It's still a ripoff, but it's the only high-speed internet available to us (one benefit of living in the boondocks; you're grateful when you can get something other than dial-up). She waived the new change of service fee, too.

So I saved $15 a month or $180 a year today. Furthermore, my husband's comment was, "Good, send an extra $15 a month to the mortgage." I won when I married him, too.
Title: Re: Celebrations Thread
Post by: kendallf on April 17, 2013, 05:12:56 AM
How about an "I avoided stupidity" post?  I'm a car guy; that is probably the one glaring hole in my past expenditures before starting to come round to MMM ways.  For the past month, I have been tempted to buy another project car that's been advertised on Craigslist.  I even called up and talked to the guy about it. 

Last night I sat myself down and gave myself a couple of face punches: I'm not debt free.  I have cash set aside but it's reserved for the house renovations I'm doing.  I have running, driving vehicles for every member of my family.  I have two other project cars, bought before my MMM awakening, that have to be completed.  We're moving in a few months and I have to find room for the previously noted non-mobile project cars..why on earth would I add another?

It all sounds so absolutely stupid to have even considered the purchase when I write these things down.  Rationalization is a powerful thing though, and I can spout a range of justifications that were running through my mind.  Enough.  I hope that I've exercised my frugality muscle and gotten it a bit stronger.
Title: Re: Celebrations Thread
Post by: Mazzinator on April 18, 2013, 08:20:34 PM
This month I..

Made my own laudry detergent.
Cut the going out to eat budget..again..(i know, this shouldn't even exist..but dh is slowly coming around..)
Didn't buy any meat..trying fish instead..
Upped the debt repayment to 23% gross
Changed withholding allowances.
Learned more about the IBR plan for possibly changing SL to this plan.
Moved $10k of SL to 0% CC with 0 fees. Maybe moving $10k more???

I need all the celebrating i can get at this point ;-)
Title: Re: Celebrations Thread
Post by: misstache on April 19, 2013, 11:01:15 PM
Today I thought about going to the Friday Market, but then decided not to because I knew if I went I would just buy sugary snacks.

So I went home and made some real lunch instead!

Yay!
Title: Re: Celebrations Thread
Post by: SMMcP on April 20, 2013, 04:16:47 PM
I bought an indoor digital antenna for my TV so I can cancel cable.  It works great!  Getting lots of channels.  I'm going to the Comcast store to turn in my cable box today.
Title: Re: Celebrations Thread
Post by: Dancin Mustachian on April 20, 2013, 08:56:24 PM
This month we have:
Used our tax return to get a deep freeze and buy a quarter cow from a local grass-fed rancher co-op.
Also put some toward a CSA for our veggies.
Working on dropping our weekly grocery trips down to an eventual (hopeful) total of $25 a week. This will put us under the $300 a month mark for all of our food for 3 people.
We're also working on switching our phones. I'm estimating a change from $190 a month to less than $50 a month. It's tricky, because we don't have 4g here, so we can't do freedompop. (and all VoIP)
Title: Re: Celebrations Thread
Post by: Ms. Doodles on April 21, 2013, 12:30:49 AM
We recently accomplished one of our 2013 goals:  We hit our initial 50K retirement fund! 
Title: Re: Celebrations Thread
Post by: frugalman on April 21, 2013, 06:54:19 AM
I love the small accomplishments as much as or more than the big ones. Keep them coming! You are all very inspirational to me.  I am 63 years old and even though it is far too late for me to retire early, this blog has made me far more conscious and deliberate about my spending choices.  We have a better plan as a result, which we are executing with MMM fervor. By continuing after retirement with conscious and conservative spending choices, we'll have plenty of money to travel and see our country and the world, which is our dream and goal.

P.S. our iPhones are now on Air voice, service is excellent and we have gotten used to not using cellular data. Total cost is $20 a month, thanks MMM and I. P. Daley.
Title: Perfect morning
Post by: chatsc on April 22, 2013, 11:47:52 AM
I just had the perfect morning.  Had coffee and breakfast at home.  Brought my 3 kids to a national museum (for free because it is earth day).  Found the best free 3h parking spot ever.  Ate a bagged lunch in the cafeteria.  My middle kid stole a quarter from a teenager and refused to give it back. 

a lovely free morning.  well, actually we are up 25 cents.
Title: Re: Celebrations Thread
Post by: jexy103 on April 23, 2013, 01:14:15 PM
I'm new here and just found this thread. I love it!

DH and I both opened and maxed out our Roth IRAs for 2012 last week!

Last night I received the PIN for my new 401(k) at work and went in to change the default allocations (which was 100% bonds). 

And I also received our first "Mock Bill" last night for our new housing complex. They pay the electricity, but if you use too much, they charge you for the 'excessive' portion, and if you don't use a lot (compared to everyone else), they'll credit you a portion of the savings. Last night's Mock Bill showed that we would have received a $50.86 credit! Our 3-month grace period will be up at the end of April, so we should receive a credit in June for May's low electricity usage. At $50/mo, that's $600 a year back in our pockets!
Title: New guy
Post by: Coolbreeze on April 23, 2013, 03:59:38 PM
Howdy folks, new here..so figured I would just let y'all know where I am at from the start lol.   Lets see, all cars paid for, primary house paid for, rental property paid for, currently acquiring second rent house, 3 college educations currently being saved for (1 done , 2 at 34 % funded)
Stash primarily 401 around 350k..just chillin.  Considering bailing out pretty soon in favor of part time work.  Works lots of overtime.lol
Title: Re: Celebrations Thread
Post by: madgeylou on April 23, 2013, 05:32:27 PM
My bike and I finally (pant pant) made it up the giant hill (huff puff) to my house. It wasn't pretty, but we made it.
Title: Re: Celebrations Thread
Post by: marty998 on April 24, 2013, 06:06:57 AM
a very small celebration for me...I swapped my usual garlic bread purchase for bananas at the supermarket today.
Title: Re: Celebrations Thread
Post by: yolfer on April 24, 2013, 03:00:49 PM
My bike and I finally (pant pant) made it up the giant hill (huff puff) to my house. It wasn't pretty, but we made it.

Awesome! I remember that feeling when I first started commuting.
Title: Re: Celebrations Thread
Post by: FiveSigmas on April 24, 2013, 08:47:11 PM
My bike and I finally (pant pant) made it up the giant hill (huff puff) to my house. It wasn't pretty, but we made it.

Fantastic! You must feel on top of the world (maybe in more ways than one!).
Title: Re: Celebrations Thread
Post by: dfields on April 24, 2013, 09:02:54 PM
I hit 100k net worth today (beat it by $40).

Also this last weekend I rode a bike for the first time in 5 years. Did some errands, still working up to commuting with it.
Title: Re: Celebrations Thread
Post by: madgeylou on April 25, 2013, 04:57:26 AM
Congrats, dfield!

And thanks for the encouragement, yolfer and FiveSigmas. I am feeling pretty proud and a little sore :)
Title: Re: Celebrations Thread
Post by: frugalman on April 25, 2013, 06:43:21 AM
I ran 5k on the treadmill this morning in 30 minutes flat (6.2 mph, 3.1 miles).  Then, I walked another mile in the remaining 15 minutes (4.0 mph, 4.0 incline).  Not bad for a 63 year old office worker who weighed 275 pounds 3 years ago (I'm down to 205 now).  I'm on the treadmill for 45 minutes M-F or 5 days a week.  This habit started when I read the book Younger Next Year, which suggests we all do 4 days a week of brisk cardio for 45 minutes and 2 days a week of strength training for 45 minutes.  One day a week off.  I do feel younger!
Title: Re: Celebrations Thread
Post by: FriendlyLibrarian on April 27, 2013, 06:32:36 AM
Yay for being able to brag about this somewhere, sadly family and friends would not understand the significance or would think we're rubbing their noses in it.
According to mint.com, my husband and I now have positive net worth. Yay! We do still have debt that we're tackling; student loans are evil, evil I say! BUT, we have enough assets to cover our debt, if in some horrible situation we need to liquidate everything.
Title: Re: Celebrations Thread
Post by: bigchrisb on April 28, 2013, 09:28:26 PM
Hit $1,000,000 in net worth.  While its an imaginary line in the sand, its still a psychological milestone! 
Title: Re: Celebrations Thread
Post by: happy on April 29, 2013, 02:43:36 AM
Congratulations Big Chris, that is very exciting.  Our society does seem to value that 1 million demarkation line, so celebrate! You've achieved so much for someone in their 30s.
Title: Re: Celebrations Thread
Post by: dbm on April 29, 2013, 06:40:08 AM
Congratulations Frugalman.

The first 5k is the hardest.  Once you get past that it's onto 10k's and a half marathon!

Keep up the good work!
Title: Re: Celebrations Thread
Post by: frugalman on April 29, 2013, 11:02:17 AM
No 10k or half marathon for me (unless maybe I lose another 20 pounds).  But I did 4.1 miles again this morning in 45 minutes, 3.1 running 6.2 mph in the first 30 minutes, 1.0 miles walking it home at 4.0 mph in 15 more minutes. The exciting thing is, it's getting a little easier every week!  I think I'll push it up until I can run the whole 45 minutes at 6.2 mph.  That might take a year.  After that, maybe add 0.1 mph every month until I either look like MMM or drop dead trying..
Title: Re: Celebrations Thread
Post by: kkbmustang on April 29, 2013, 02:21:26 PM
Cancelled home phone, DirectTV and reduced monthly internet charge. Savings = approximately $120/month. Next up: cell phone coverage.
Title: Re: Celebrations Thread
Post by: icefr on April 30, 2013, 04:43:39 PM
I just logged into my Vanguard account. I have my RRSPs and i-bonds entered as "Outside investments". Vanguard has my 401(k), my Roth IRA, an empty Traditional IRA (for backdoor Roth IRA contributions), and a taxable stock investment account. I've been contributing to retirement accounts for almost six years now and only in the last couple of years did I really ramp it up.

The total assets they are displaying is now over $100,000!!! :D

Somehow, this is more exciting than hitting $200,000 in net worth a few months ago because this is all in monetary assets.

Woo!!
Title: Re: Celebrations Thread
Post by: Mazzinator on April 30, 2013, 07:49:19 PM
I helped dh adjust his withholdings, we were sooo stupid (big face punch needed) he already overpaid taxes for this year..and it's only April..

So, when he did this, I started his TSP and now it's maxed..what's even better??? By my best calculation, his net pay should only be reduced by about $400/month..to MAX it out..geez, we are idiots!!!

I debated, over several days, of maxing the TSP vs using that to pay down debt vs Roth ira... Either way, it's soooo much better than letting the big gov hold it for us!!!
Title: Re: Celebrations Thread
Post by: Wyobraska on May 01, 2013, 04:30:55 PM
Hi guys!

I just wanted to let everyone know that I opened up my first taxable Vanguard account today. I already had my Roth IRA thru Vanguard, so adding a second account was a breeze.

I'm currently maxing out my Roth, and was putting $750 a month in a no interest savings account. After finding MMM's blog and doing some reading, I decided my savings account just wasn't cutting it. So I took a chunk of the money in savings and decided to open a new account with Vangaurd. I chose to invest in the Vanguard LifeStrategy Growth Fund -- VASGX. I started with the default $3000 investment, so I wouldn't deplete my emergency savings. Going forward, I'll still put $250 to my savings account for my emergency OH SHIT fund, but the other $500 a month will go into the investment account.

Once my car is paid off, I intend to divert all of those funds to this account as well, but at that time I'll probably add in an REIT in addition to the VASGX fund.

Nice to meet everyone!

- Wyobraska
Title: Re: Celebrations Thread
Post by: matchewed on May 01, 2013, 05:09:11 PM
May is the month where with the aid of an additional roommate, current roommate's GF, I will be able to get my after tax savings rate to 45%. My non-savings budget is at about 1k per month now. That puts my total savings rate, including 401k and match to 60%. About a year ago I was at a 30ish savings rate. Between some dedication and a raise I've been able to move the guess of between 6-12 years until FI a bit closer to the 6 than it used to be.

/little dance

/little love

/getting down tonight

Title: Re: Celebrations Thread
Post by: MrSaturday on May 03, 2013, 01:09:54 PM
Unless there's a big drop in the stock market in the next couple of hours, today will mark the first time I cross into 4% SWR FI territory.  My portfolio will be slightly above 25 times my current expenses.

I'm still a long way from being ready to retire early since I'm aiming for more like a 3.2-3.5% withdrawal rate and planning for higher expenses when I've got more time for travel and hobbies, but I feel like I finally have FU money and that makes me feel a lot more free when I'm grinding away at the desk job.
Title: Re: Celebrations Thread
Post by: FI@2022Jem on May 03, 2013, 04:27:00 PM
Mr.Saturday- That is so exciting!  Any plans to celebrate this occasion or just business as usual?  (and by celebrate I obviously don't mean drop a ton of money ;)
Title: Re: Celebrations Thread
Post by: MrSaturday on May 03, 2013, 05:48:52 PM
Mr.Saturday- That is so exciting!  Any plans to celebrate this occasion or just business as usual?  (and by celebrate I obviously don't mean drop a ton of money ;)

I'm just having a beer or two.  I figure the market will bounce around and I'll cross this threshold a few more times before I can really consider myself FI.
Title: Re: Celebrations Thread
Post by: brewer12345 on May 06, 2013, 07:26:07 PM
As of market close today I hit my target number (plus another 10k) to bail on the day job.  This is the total net I was hoping to hit as of April 1 of next year and in the meantime DW will dump in another approximately $85k.  All of this means that is the market takes a moderate sized dump at an inconvenient time I should still be within spitting distance of my target.  If things go better than expected from here, maybe I won't have to hustle for much income when I pull the plug.  I am still in a bit of shock and it does not quite feel real.  I am hoping it sinks in and makes the next 10 or 11 months of horse pucky more tolerable.
Title: Re: Celebrations Thread
Post by: Nords on May 06, 2013, 07:41:27 PM
All of this means that is the market takes a moderate sized dump at an inconvenient time I should still be within spitting distance of my target.  If things go better than expected from here, maybe I won't have to hustle for much income when I pull the plug.
Woo-hoo!

Do you feel the urge to hedge with buying more puts, or have you been doing that all along as part of the plan?

I think it'll sink in real hard on your next thrilling business trip...
Title: Re: Celebrations Thread
Post by: brewer12345 on May 06, 2013, 07:46:28 PM
I am actually short a very small amount of puts on a name I like.  This is a market where you can lose your shirt buying puts, so I have not.  Instead, I have been selling covered calls and just outright flinging shares out the window as the individual names I own spike or hit my valuation target.

I'd like to make it through the first quarter in order to have a little more runway and max out some benefits, but if the market keeps cruising upwards the rest of the year i will very likely be celebrating the new year by quitting.
Title: Re: Celebrations Thread
Post by: arebelspy on May 06, 2013, 07:47:13 PM
As of market close today I hit my target number (plus another 10k) to bail on the day job.  This is the total net I was hoping to hit as of April 1 of next year and in the meantime DW will dump in another approximately $85k.  All of this means that is the market takes a moderate sized dump at an inconvenient time I should still be within spitting distance of my target.  If things go better than expected from here, maybe I won't have to hustle for much income when I pull the plug.  I am still in a bit of shock and it does not quite feel real.  I am hoping it sinks in and makes the next 10 or 11 months of horse pucky more tolerable.

Congrats!  I've seen a little bit of your journey at E-R.org, and I'm excited for you.  You made it!  :D
Title: Re: Celebrations Thread
Post by: brewer12345 on May 06, 2013, 07:49:27 PM
As of market close today I hit my target number (plus another 10k) to bail on the day job.  This is the total net I was hoping to hit as of April 1 of next year and in the meantime DW will dump in another approximately $85k.  All of this means that is the market takes a moderate sized dump at an inconvenient time I should still be within spitting distance of my target.  If things go better than expected from here, maybe I won't have to hustle for much income when I pull the plug.  I am still in a bit of shock and it does not quite feel real.  I am hoping it sinks in and makes the next 10 or 11 months of horse pucky more tolerable.

Congrats!  I've seen a little bit of your journey at E-R.org, and I'm excited for you.  You made it!  :D

I hope so.  At this point, even if I am somewhat short of my target I will pull the plug unless the wheels are really coming off the economic bus.
Title: Re: Celebrations Thread
Post by: adam on May 07, 2013, 02:02:41 PM
Due to an unforseen circumstance I found it best to delete my entire Journal entry.  Despite that I felt like I wanted to share a small celebration somewhere, so...

My wife has a job!  She's still part time on call in name, but she's back to 40hrs/week, and they should be working on making her into a permanent full time employee. She will have to take a small pay cut for that, but we decided it was worth it for the security.

For the last two months we have effectively been living off of my salary alone, so seeing that, she basically agreed that we should bank all of her paychecks and continue to live a little less large.  Getting her buy in has always been the difficult part, so hopefully this sticks.

And now that means we should have an additional $2500/month to go straight to debt/savings!

Oh, and its looking more and more like the furlough is never going to happen.  So that's good news too.
Title: Re: Celebrations Thread
Post by: ketchup on May 07, 2013, 06:48:55 PM
Sold my extra car!  Unloaded my goofy 1995 Geo Metro with all my extra parts for $800!  The car has several problems, but hopefully it gives its new owner fewer headaches than it gave me.
Title: Re: Celebrations Thread
Post by: Nords on May 07, 2013, 11:26:19 PM
I am actually short a very small amount of puts on a name I like.  This is a market where you can lose your shirt buying puts, so I have not.  Instead, I have been selling covered calls and just outright flinging shares out the window as the individual names I own spike or hit my valuation target.
I'd like to make it through the first quarter in order to have a little more runway and max out some benefits, but if the market keeps cruising upwards the rest of the year i will very likely be celebrating the new year by quitting.
All of that is great to hear, especially since it matches my own confirmation bias...

You'll be keeping the kids in squirrel pot pie and giving your spouse that secure domestic base from which she can unleash her own high-powered career.  It's all good.
Title: Re: Celebrations Thread
Post by: frugalman on May 08, 2013, 07:25:58 AM
My gas grill is 4 years old. The porcelain heat shield is quite rusted and disintegrating. In my pre MMM life, I would just have bought a new grill and pawned off the old one in the free pile or to my kids. So I looked at the back of the grill and got a model number, GBC820W and googled it for parts. Amazon has a great replacement part for $25.76 shipped to my door, so I bought it and saved myself $100 at least.  Good for another 3 to 4 years. I didn't even know it was called a porcelain heat shield until my google search and looking at the parts available. It's just very empowering to do some DIY projects every now and then. I've been doing a lot more lately since I started reading MMM.
Title: Re: Celebrations Thread
Post by: grantmeaname on May 08, 2013, 08:16:40 AM
As of yesterday's market close I hit admiral shares territory for my Roth IRA! That's a puny stash compared to most here, but now I've got that sweet, sweet .05% expense ratio on my partial ownership of every public US corporation!

Hopefully the next 74 $10,000s are faster than the first!
Title: Re: Celebrations Thread
Post by: Emerald on May 08, 2013, 08:45:11 AM
I now own 30% of my home.  I'm on track to pay it off by age 45.
Title: Re: Celebrations Thread
Post by: madgeylou on May 08, 2013, 08:49:20 AM
i love reading this thread! WINNING, PEOPLE!

my celebration is that we are finally closing on our house sale tomorrow!!! there are not enough exclamation points in the ether for me to express how effing happy i am about this!!!!
Title: Re: Celebrations Thread
Post by: icefr on May 08, 2013, 12:23:34 PM
As of yesterday's market close I hit admiral shares territory for my Roth IRA! That's a puny stash compared to most here, but now I've got that sweet, sweet .05% expense ratio on my partial ownership of every public US corporation!

Hopefully the next 74 $10,000s are faster than the first!

Woo! I was so happy when I bought my first Admiral shares fund last year in taxable. I think I might hit Admiral shares finally in Roth IRA with my 2013 contribution - I have it in two funds and this will only be my 4th year contributing, so it's taking longer than I'd like.
Title: Re: Celebrations Thread
Post by: jrs on May 08, 2013, 12:43:38 PM
...I wanted to share a small celebration somewhere, so...

My wife has a job!  ...  And now that means we should have an additional $2500/month to go straight to debt/savings!

That's so fantastic!  Congrats!
Title: Re: Celebrations Thread
Post by: Wyobraska on May 09, 2013, 09:57:35 AM
Today, for the first time ever, I logged into Mint and my net worth is a positive number. I'm pumped!

I'm excited about the future now... as the mortgage and car loans continue to go down, and my investments continue to go up, that number will just keep growing. Next goal is a net worth of +$1000, which I am hoping to hit next month.
Title: Re: Celebrations Thread
Post by: chatsc on May 09, 2013, 11:18:50 AM
We have hit 50K in investments (not counting pension stuff).  That is more than I thought I would ever have and I am only just beginning.....

You guys are right, it is addictive...
Title: Re: Celebrations Thread
Post by: EK on May 09, 2013, 04:56:40 PM
Today I've been celebrating all day because my husband has finally really adopted our new, frugal life!!!  He's been getting just as excited about me about making changes to cut costs, and has been researching on his own and making suggestions!!  Woo!!!!!!
Title: Re: Celebrations Thread
Post by: KMB on May 17, 2013, 10:58:16 AM
Today is National Ride Your Bike to Work Day - so I did! First time and it feels pretty good. The ride is about 4.5 miles each way. I'm looking forward to the ride home!
Title: Re: Celebrations Thread
Post by: aj_yooper on May 17, 2013, 11:28:47 AM
I moved all of my investments  to Vanguard and have had a 15% gain this year with way lower expenses.

I used points from my credit cards for planned trips to Las Vegas and San Francisco; thank you Fidelity 2% AE.
Title: Re: Celebrations Thread
Post by: footenote on May 17, 2013, 12:03:49 PM
Congratulations to everyone on awesome recent accomplishments!

Today was my last day at my (last!) turned-out-to-be-crappy corporate day job. We will continue to work on getting the house ready for sale. And I'm  trolling for fun consulting oppo's to keep me busy (and my husband sane) for the next year-to-whenever-ish.

It's so worth frugality in your 20s, 30s, and 40s to be able to do whatever you want by my age (55 - or sooner if you're Ultra-Mustachian!). Every time one of you celebrates a first-time net worth of $1,000 or $10,000 or $100,000, I treasure memories of reaching those sweet milestones. Good on ya and keep going!
Title: Re: Celebrations Thread
Post by: Rural on May 17, 2013, 07:14:36 PM
Congrats, Footenote!

Meanwhile, my husband landed his dream job today, only five miles from our new house. That may not seem close to many of you, but consider that we're 35 miles from the nearest (very small) city. He's been angling for this job (teaching at his very small alma mater) for seven years; had to wait for one of his own high school teachers to retire, and he's been out of school for twenty-five years.

He may never agree to retire now. He definitely won't RE. We'll have to rethink some plans, but in a very happy way.

And now that that's settled, as soon as we can both get to the bank at once, we're paying off the mortgage.
Title: Re: Celebrations Thread
Post by: madgeylou on May 17, 2013, 07:25:34 PM
Today is National Ride Your Bike to Work Day - so I did! First time and it feels pretty good. The ride is about 4.5 miles each way. I'm looking forward to the ride home!

Woo hoo! That is awesome, keep going!
Title: Re: Celebrations Thread
Post by: sol on May 18, 2013, 02:35:08 PM
Use this thread to post your mini-accomplishments so we can celebrate with you!

Our mini-accomplishment for the day is hitting a half million in invested assets.

I've been patiently watching Mint's total value calculation skyrocket with the recent market run, and today we ticked over into semi-millionaire territory.  It's a fake victory, since it doesn't include property values or debts, or college saving, or pensions, and much of it is locked up in tax shelters, but it's still a psychological landmark for us.

A landmark that I don't feel like I can share with anyone in my real life.  How sad is that?
Title: Re: Celebrations Thread
Post by: arebelspy on May 18, 2013, 02:43:05 PM
Congrats sol!  Most people never reach that mark, to hit it by your mid-30s is quite a feat!  Definitely worthy of a mini-celebration.
Title: Re: Celebrations Thread
Post by: sol on May 18, 2013, 02:48:55 PM
Congrats sol!  Most people never reach that mark, to hit it by your mid-30s is quite a feat!  Definitely worthy of a mini-celebration.

Having two professional incomes helps. 

Tonight we're celebrating in rich-as-hell-people style by dining out at Jimmy John's.  And I'm getting the chips AND the drink with my sandwich.  Because that's how I roll, now that I'm joining the 1%.
Title: Re: Celebrations Thread
Post by: footenote on May 18, 2013, 03:25:30 PM
Sol - WOW - congratulations, that is an awe-inspiring accomplishment by your (or really any) age!
Title: Re: Celebrations Thread
Post by: happy on May 18, 2013, 04:15:21 PM
Way to go, congratulations Sol. Would that be the large or small serving of chips? (I thought Americans only ate "fries"?)
Title: Re: Celebrations Thread
Post by: Zaga on May 18, 2013, 05:12:19 PM
I finished my MBA today, woot!
Title: Re: Celebrations Thread
Post by: arebelspy on May 18, 2013, 06:41:04 PM
Way to go, congratulations Sol. Would that be the large or small serving of chips? (I thought Americans only ate "fries"?)

He doesn't mean that kind of chips. To you what he means is crisps.
Title: Re: Celebrations Thread
Post by: happy on May 19, 2013, 12:32:40 AM
Nah, they're chips too ( packet-a-chips vs hot chips if its ambiguous).  Crisps are found in the UK.
Title: Re: Celebrations Thread
Post by: maryofdoom on May 19, 2013, 11:03:46 AM
I finished my MBA today, woot!

Hooray for you! That's awesome.

And for another celebration from me: I got a check in the mail on Thursday for editing work I did back in March. That's $245 I didn't have before!
Title: Re: Celebrations Thread
Post by: Zaga on May 19, 2013, 05:20:14 PM
I finished my MBA today, woot!

Hooray for you! That's awesome.

And for another celebration from me: I got a check in the mail on Thursday for editing work I did back in March. That's $245 I didn't have before!
Thank you, it's been 3 very long years to get this done.  Now to relaxing, if I remember how!
Title: Re: Celebrations Thread
Post by: footenote on May 19, 2013, 05:34:19 PM
Zaga - Congratulations! I remember the year after I finished my MBA as "What in the heck am I going to do with all this time??"          Kudos!!   
Title: Re: Celebrations Thread
Post by: adam on May 22, 2013, 06:36:33 AM
I just paid off my rewards credit card by sending $1655.  This one has been a struggle at times because its the main card we use for bills and things, so sometimes it can balloon up more than we intend and we end up carrying a balance. 

In the month of May I sent $3655 to this card (including this payoff). In April I sent $3290.  In March I sent $1700, and etc, etc.  Its taken longer than I was hoping but now we are done.  On to the next card!

edit: Updated my spreadsheets and I have another milestone.  My net worth just went positive.  $714!  lol.  Wife's mortgage went slightly positive about a month ago, mine is still $30k in the hole.  Still, I'll take that as a win.

edit2: 16 months to pay off all but student loans & mortgages, 28 months to pay off all but mortgages.
Title: Re: Celebrations Thread
Post by: kkbmustang on May 22, 2013, 09:41:58 PM
This may seem lame but this is major progress. My parents came back from vacation and only brought a small gift for each kid and none for the hubs and me. This is huge!  We told them we didn't want or need anything. And they listened! I'm so excited I don't have to deal with another t-shirt or anything else I don't want. Whoo-hoo!
Title: Re: Celebrations Thread
Post by: Rural on May 23, 2013, 02:08:43 PM
Paid off our mortgage today.
Title: Re: Celebrations Thread
Post by: Meadow Lark on May 23, 2013, 02:11:48 PM
Rural - woohoo!
Title: Re: Celebrations Thread
Post by: KMMK on May 23, 2013, 02:32:45 PM
As of this week, for the first time both my RSPs and TFSAs are fully maxed out. I'm 36 now and should be able to keep maxing them every year easily. Only 15% of my money is in taxable accounts right now.
I didn't think I'd ever be able to save that much, so I'm happy I'm now able to do it easily.
Title: Re: Celebrations Thread
Post by: yolfer on May 23, 2013, 02:49:06 PM
I finally accumulated enough into my Vanguard VGSIX fund for it to be converted to the Admiral version, VGSLX. Took a couple years since it's only 5% of my AA. The ER is less than half! (0.10% vs 0.24%)

I loved the little notice I got when I logged into Vanguard: "Would you like to convert this account to Admiral" Why yes, I would!
Title: Re: Celebrations Thread
Post by: thatgirljj on May 24, 2013, 08:07:58 AM
I rode my bike yesterday.

Doesn't sound like a huge accomplishment, but here's the backstory: I am a fairly weak bike rider, I am short and have had bad experience with adult size bikes, so have mostly ridden crappy children's bikes..  I live in a walkable area so I use my car for midrange trips (and work) and mostly walk for everyday errands.  However, we're moving soon (renting out our old place YAY!) to an area that is not so walkable.   My son will be starting kindergarten in the fall and his school is about 1 mile away and then most of my shopping/errands/community resources would be within 0.5-1mile of his school.  This is a very bikeable situation, but clownlike in a car.  My goal is to improve my bike skills enough by August to be able to do his school commute with him on the back of a Yuba Boda Boda (which fits riders even a couple inches shorter than me).  So yesterday, after probably 2 years without riding, I pulled my crappy children's beach cruiser out of the garage and wheeled around the block.  Small step, but on my way.

-jj
Title: Re: Celebrations Thread
Post by: Meadow Lark on May 24, 2013, 06:55:59 PM
Good job jj!
Title: Re: Celebrations Thread
Post by: farmstache on May 25, 2013, 10:12:57 AM
I rode my bike yesterday.

Doesn't sound like a huge accomplishment, but here's the backstory: I am a fairly weak bike rider, I am short and have had bad experience with adult size bikes, so have mostly ridden crappy children's bikes..  I live in a walkable area so I use my car for midrange trips (and work) and mostly walk for everyday errands.  However, we're moving soon (renting out our old place YAY!) to an area that is not so walkable.   My son will be starting kindergarten in the fall and his school is about 1 mile away and then most of my shopping/errands/community resources would be within 0.5-1mile of his school.  This is a very bikeable situation, but clownlike in a car.  My goal is to improve my bike skills enough by August to be able to do his school commute with him on the back of a Yuba Boda Boda (which fits riders even a couple inches shorter than me).  So yesterday, after probably 2 years without riding, I pulled my crappy children's beach cruiser out of the garage and wheeled around the block.  Small step, but on my way.

-jj

Feel you on the shortness, jj! I always had a wheel 24 bike, but when I started riding to work I felt I needed a few things I couldn't fit into the frame or wheels (mostly the fenders and rack, very hard to find here for this size). DH gave me a wheel 26 (used and pretty good) with a reduced frame (admittedly, the rack isn't parallel to the ground), and we sawed the end of the seat pipe, so I could set it lower. It works fine, and all parts are easier to find than for the child-sized bike I had before.

Congrats on your achievement! Wishing you good luck!
Title: Re: Celebrations Thread
Post by: marty998 on May 26, 2013, 04:54:21 AM
So because I use my car very infrequently, the battery has a tendency to die every year or so.

Thanks dad for showing me how to fix it without calling the NRMA.
Title: Re: Celebrations Thread
Post by: grantmeaname on May 26, 2013, 11:46:13 AM
I just went through and did our household's budget recap for the first five months of the year. So far we've averaged $518 per person per month for food, brewing ingredients, household consumables, utilities, and rent! Like sol, we're celebrating in rich-as-hell people style: cheeseburgers, red wine, and maybe a board game!
Title: Re: Celebrations Thread
Post by: arebelspy on May 26, 2013, 04:52:56 PM
I just went through and did our household's budget recap for the first five months of the year. So far we've averaged $518 per person per month for food, brewing ingredients, household consumables, utilities, and rent! Like sol, we're celebrating in rich-as-hell people style: cheeseburgers, red wine, and maybe a board game!

I tip my hat to you and your roommates.  Truly inspirational.
Title: Re: Celebrations Thread
Post by: cbear on May 26, 2013, 07:50:23 PM
I only discovered MMM over the weekend. Today I found my bike in the garage, found the necessary baskets, helmet, lock etc, pumped up the tires and pedaled the fearless Schwinn over to Food Lion where I bought some yummy groceries, AND a bag of charcoal, strapped it to my bike and biked home.  Entire trip...30 minutes and $28. 

The $28 I spent at food Lion was also the only money we spent this entire weekend.  We worked on our garden, read books, watched the new Arrested Development on Netflix, had a bonfire, did some photography, bbq'd, went on another bike ride.

We also decided that we can't afford an overseas trip this summer while paying down debt.  We'll do it next year.  This year, we'll have a stay-cation.   I decided to make it even more exciting by calling it a practice-retirement!
Title: Re: Celebrations Thread
Post by: kdms on May 27, 2013, 11:41:13 AM
I added the cost of an impulse purchase to my weekly mortgage payment and shaved four months of payments off the amortization.

Who knew that a $1.67 bag of Doritos (and the subsequent self-induced guilt trip for spending the money) could save over $4800 in interest?  :)
Title: Re: Celebrations Thread
Post by: Mozactly on May 28, 2013, 06:05:59 AM
I rode my bike, up a big hill, on a busy state road during a morning rush to work.

Huge accomplishment for me, as I'm in bad shape, and frightened to ride on busy roads.

But we are moving soon to a town with more hills and I decided I had to get in shape for it now, in a place I'm at least familiar with.

I'm going to bike it again tomorrow morning!
Title: Re: Celebrations Thread
Post by: vieja on May 30, 2013, 08:29:37 AM
We sold our paid for house yesterday.  Next week when the check clears the bank, we'll use the proceeds from the house to pay off our business and be 100% debt free doubling out income in the process.
Title: Re: Celebrations Thread
Post by: arebelspy on May 30, 2013, 08:47:09 AM
We sold our paid for house yesterday.  Next week when the check clears the bank, we'll use the proceeds from the house to pay off our business and be 100% debt free doubling out income in the process.

That's awesome!  I'd love to hear more details (about the business, how you paid for the house free and clear, etc.) if you're willing to start a separate thread.  :)
Title: Re: Celebrations Thread
Post by: vieja on May 30, 2013, 10:38:42 AM
We sold our paid for house yesterday.  Next week when the check clears the bank, we'll use the proceeds from the house to pay off our business and be 100% debt free doubling out income in the process.

That's awesome!  I'd love to hear more details (about the business, how you paid for the house free and clear, etc.) if you're willing to start a separate thread.  :)

Ok Arebelspy-I'm going to try.
Title: Re: Celebrations Thread
Post by: kanejedward on May 30, 2013, 02:04:08 PM
Just set up my MMM access account and gained access to the forums for the first time.  I guess that's something to celebrate! 

So glad to have found the common sense Mustachianisms offered here.  Truly motivated to go forward and try to reach the 50% savings rate.  I know it will take time to get there but I already eliminated eating out (entire month of May) and just cancelled $100 p/month satellite tv service that was just rotting my brain anyway.  Feels good.........:)
Title: Re: Celebrations Thread
Post by: kkbmustang on May 30, 2013, 05:13:36 PM
Just listed my luxury car on Craig'sList. Planning on going down to one car at least for the summer. Wish me luck on selling it!
Title: Re: Celebrations Thread
Post by: Kriegsspiel on May 30, 2013, 06:43:02 PM
Cool, it feels really good once it's gone :) If you don't have any luck, I sold mine to the Carmax in Plano for a fair price.
Title: Re: Celebrations Thread
Post by: kkbmustang on May 30, 2013, 06:45:17 PM
Cool, it feels really good once it's gone :) If you don't have any luck, I sold mine to the Carmax in Plano for a fair price.

That's where I'm headed if I haven't gotten any traction in a week. The longer I hold onto it, the more irritated I get.
Title: Re: Celebrations Thread
Post by: chatsc on May 30, 2013, 07:01:25 PM
Hydro bill was 150$! (for 2 months).  It used to be 200$ every 2 months....

can i get it to 140$?  the sky is the limit...
Title: Re: Celebrations Thread
Post by: Dr. Doom on June 03, 2013, 06:53:19 AM
I had an iphone which was subsudized by my previous employer.  I'm no longer working for them, and hence the subsidy is gone.  Yet, I'd held onto the device and stupidly continued to pay $86/mo service (their cheapest iphone plan) over the past 5 months, which amounts to just flushing good coin down the toilet.

Read MMM's article about Republic Wireless and it kicked me in the cajones.  I wasn't treating this problem like the emergency that it is.  And I was being unreasonably scared by the concept of the "contract termination fee" when in fact I just needed to get the numbers and see what works.

I called <evil service provider> and found the termination fee on 5 remaining months is $150.  And it turns out, that number is absolutely nothing in comparison to the outrageous amount I've been overpaying on service every single month

So over the past weekend I

-sold my iphone for $290
-picked up a very good used droid for $140 (thanks, craigslist)
-broke my contract (cost: 150)
-am in the process of signing up with Ting on a $25/mo plan which actually reflects my real-life usage patterns on calls/texts/data.

The whole contract-termination/phone shuffle ended up being pretty close to a wash, and I'm saving $55/mo now
Awesome.



Title: Re: Celebrations Thread
Post by: Mozactly on June 04, 2013, 06:27:48 AM
I love this thread. It makes me feel like little steps really do lead somewhere.

Title: Re: Celebrations Thread
Post by: jfer_rose on June 06, 2013, 11:25:01 AM
I just posted a version of this on my journal but after thinking about it, I think this is cause for celebration!

http://www.mrmoneymustache.com/forum/journals/jfer's-journal/ (http://www.mrmoneymustache.com/forum/journals/jfer's-journal/)

Wow, I just crunched some numbers using data from Mint, and it looks like in the last 12 months I managed to save 54% of my take home pay. Pretty great considering I only discovered MMM in late April, as in just over a month ago. I hope I can trust the Mint numbers-- I have run into problems on Mint from time to time. Hopefully I can improve my savings rate-- maybe I will aim for 60%. Oh wait, maybe I should aim even higher-- I'm due to get a 3% raise, including backpay from April, any week now!
Title: Re: Celebrations Thread
Post by: kkbmustang on June 06, 2013, 03:20:32 PM
Cool, it feels really good once it's gone :) If you don't have any luck, I sold mine to the Carmax in Plano for a fair price.

That's where I'm headed if I haven't gotten any traction in a week. The longer I hold onto it, the more irritated I get.

I sold my car today. I'm was in mourning until I cancelled the car insurance that went with it. I'm still a little bummed at the impending logistical issues of being a one car family, but I'm sure I'll get over it.
Title: Re: Celebrations Thread
Post by: mostlyeels on June 07, 2013, 08:01:25 PM
Over the last couple of months I've:

Finally, last week I found I'd been buying a more expensive bus ticket.  It only saved me $21/month, but somehow it feels great!
Title: Re: Celebrations Thread
Post by: smalllife on June 10, 2013, 04:27:35 PM
I found a recipe online to replace my oatmeal packets in the morning (it mimics the consistency, which is what has stopped me from making my own before - tried it but it wasn't quite as tasty).  While I was at it, I decided to use powdered milk in my smoothies and baking.  Since I get the local glass-bottle milk otherwise this will be a great deal of savings.

One less pre-processed staple gone from my kitchen!  :-)

Title: Re: Celebrations Thread
Post by: Fletch on June 10, 2013, 04:56:36 PM
I'm getting a raise! It was the first time I asked for one, and presto, they gave it to me!
Title: Re: Celebrations Thread
Post by: wrightstuff on June 11, 2013, 09:42:41 AM
DW and I were so fed up with our Big Bank experience that we took the big step of opening a new account with Schwab for our banking needs and also opened an account with Vanguard to make our excess dollars work harder for us.

Can't begin to describe the relief at our house now that we've given our Big Bank the middle finger salute!

And now just reading deeper into Boglehead theory and J.L. Collins to maximize our Vanguard experience.
Title: Re: Celebrations Thread
Post by: Mozactly on June 12, 2013, 08:56:28 AM
I'm feeling really good about some recent changes.

- I went one full week without driving my car. During that week I walked to a dentist appointment, a reporting assignment and other errands around town.

- I scored a free washer/dryer and refrigerator for our new house (all we had to do was pick it up).

- made a $775 payment one student loan and plan to pay another $1,300 this month (about half my take home pay).

- have been getting more comfortable on my bike, riding 10 miles one day. I haven't used it for running errands yet. But plan to start soon for the stuff that's too far to walk to.

- little things: made iced coffee out of the half pot that remained after I had my mother-in-law over. Normally would have just poured it down the drain. I made my own sherbet from fresh picked strawberries. I worked out a complicated car pool arrangement for today, when I had to run errands with my husband in the morning, rather than have him drive me home to pick up my own car.

Feeling good! Hope I can keep it up.
Title: Re: Celebrations Thread
Post by: adesertsky on June 13, 2013, 08:20:39 PM
2.5 months ago I got home from vacation, realized i had $5K+ in credit card debt, freaked out, found MMM and made a resolution.  As of 5 minutes ago, I have PAID OFF MY CREDIT CARD! 

Next Step is to increase my tax advantaged retirement savings and build an emergency fund.  Once the fund is in place, I will open my first investment account for FIRE and start making extra mortgage principal payments.  WooHoo!  Thank you, strangers.  Your insights and expertise have really helped.  Fun stuff!
Title: Re: Celebrations Thread
Post by: Cottonwood28 on June 15, 2013, 09:37:47 PM
We have reached $100,000 in cash and retirement assets! Huge deal for us and now we are very motivated to run as fast a we can to FI.
Title: Re: Celebrations Thread
Post by: Mozactly on June 17, 2013, 07:15:32 AM
I should probably just start a journal, because I'm very excited about the little changes I've been making and want to share them!

Yesterday I listed my gas-guzzling Jeep for sale and cancelled my gym membership. I realized the more I rode my bike, the less I needed both.

I do plan to buy a new car (cash, with more than double the gas mileage) for work commuting. But I plan to ride the bike as much as possible to cut down on that expense and help keep the car running longer.

Title: Re: Celebrations Thread
Post by: TrulyStashin on June 17, 2013, 09:35:58 AM
Since discovering MMM in early May, I've done the following:

Had a yard sale/ sold stuff on Craigslist netting about $400.
Used the proceeds to buy a bike.

Gave up my parking spot and started a drive/ bike to work scheme, saving $192/ mo (parking = $130/ tolls = $12/ gym = $50).
Cut my internet/ landline bill from $67/ mo to $40.30 (savings $27/ mo)
Switched from Verizon to Ting, saving about $50 a month (for now, once my son is moved over total savings should be $100).
Reduced my water heater's temperature, saving $5 mo.
Sold my 2001 Maxima (MPG 25) and bought my mom's 2007 Prius for a gas savings of $120/ mo.
Installed "coyote rollers" on fence to keep dog from climbing out, saving $100/ mo on dog sitter fees.
Reduced eating out budget by $100/ mo (leaving just enough to fund work-required lunch networking)
Cut my electric bill by $8/ mo by leaving the Green Power upcharge plan

Total monthly savings so far - $602/ mo

More coming soon as I have a car for sale and will move my son to Ting and kill the remaining gym fees that he swears he can't live without (going slowly with him).    Anticipated additional future savings = $688/ mo.  I am so eager to get there!



Title: Re: Celebrations Thread
Post by: 1e7ksi on June 17, 2013, 07:43:33 PM
Finally biked the 15 miles round trip to my summer class, only left 15-20 minutes earlier and still got there on time! My longest bike ride previous to this was 9 miles last summer, and I haven't ridden my bike in a month due to not fixing brakes.
Title: Re: Celebrations Thread
Post by: rockstache on June 18, 2013, 10:33:03 AM
I finally convinced DH to sell his truck (worth about $10K) and buy a small crossover from a friend who is selling for about $1500. Wooo!
Title: Re: Celebrations Thread
Post by: pachnik on June 18, 2013, 12:27:21 PM
Hi.  I've been reading the MMM blog for about two months now and here are the changes I have made:

Buying only 1 coffee at a coffee shop per week.  (This had been an almost daily habit).  Saving $27/month.
Buying a newspaper 3 times per week rather than 6 times per week.  Saving $18./month.
Cut off caller's ID from phone.  Just a bare land line now. 
Talked to my husband about stopping cable after the hockey playoffs (I am in Canada). 
Car insurance is due next month and I will see what I can do to make it cheaper. 

Going out for a walk without my purse so I can't just pick up a "treat" at Starbucks on my way.  Savings approx. $20/mt.
Put 1 of 2 designer purses that I rarely use up for sale on Craigslist and I am going to put the $ towards a bike. 

Small changes but it is a start.


Title: Re: Celebrations Thread
Post by: artistache on June 18, 2013, 05:20:24 PM
Bumped up my 403B contributions to 25% from 20%!
Title: Re: Celebrations Thread
Post by: madgeylou on June 18, 2013, 05:40:05 PM
The odometer on my bike hit 300 miles today!
Title: Re: Celebrations Thread
Post by: Cottonwood28 on June 21, 2013, 10:00:57 PM
I found MMM a few months ago and have read every post. This discovery came at a great time as I recently stopped working to stay home with our son. We are taking things one step at a time and it has already provided us with hope and motivation as prior to MMM we were just hoping to stay afloat.

*negotiated price down on internet and trash bill
*signed up for the summer saver program with gas & electric earning us $150 credit
*Husband got a promotion and 14% raise so salary is $45,000 now
*got accounts in order, rolled over old 401k's
*uped Husbands 401k to 27% from 7%
*on track to max both Roth's with money previously sitting in a sad savings account

And realized we are worth $100,000 in cash and retirement investments!
Title: Re: Celebrations Thread
Post by: mom-n-teacher on June 21, 2013, 11:00:31 PM
This is my first post!

Since I am really, really not mechanically inclined, I have been putting up with our downstairs toilet not working since last fall, assuming there was nothing I could do about it except spend a bunch of money having a handyman come out and fix it.  My husband isn't the best DIYer, either, but he could have fixed this...if he weren't working a contract on the other side of the country.  But after the last few weeks of being inspired by the MMM website, I decided that damn it, I am not going to be helpless!  I bought a repair kit yesterday and today, my teenage son and I took the toilet apart and FIXED IT!!!  It took the entire day, literally (the instructions might as well have been written in Klingon), for what should have been a 30-minute job, and it is dripping a tiny bit (about one drop every 5 minutes) from each bolt underneath the tank, but that's okay.  I'm sure Hubby can tighten those in under a minute when he is home next.  My son is afraid he will crack the porcelain if he tightens them any more, and I'm not quite strong enough to do it.

But YAY!  I'm a DIYer now!!!
Title: Re: Celebrations Thread
Post by: arebelspy on June 21, 2013, 11:13:05 PM
This is my first post!

Since I am really, really not mechanically inclined, I have been putting up with our downstairs toilet not working since last fall, assuming there was nothing I could do about it except spend a bunch of money having a handyman come out and fix it.  My husband isn't the best DIYer, either, but he could have fixed this...if he weren't working a contract on the other side of the country.  But after the last few weeks of being inspired by the MMM website, I decided that damn it, I am not going to be helpless!  I bought a repair kit yesterday and today, my teenage son and I took the toilet apart and FIXED IT!!!  It took the entire day, literally (the instructions might as well have been written in Klingon), for what should have been a 30-minute job, and it is dripping a tiny bit (about one drop every 5 minutes) from each bolt underneath the tank, but that's okay.  I'm sure Hubby can tighten those in under a minute when he is home next.  My son is afraid he will crack the porcelain if he tightens them any more, and I'm not quite strong enough to do it.

But YAY!  I'm a DIYer now!!!

That's awesome, way to go!

Taking that first step is huge.
Title: Re: Celebrations Thread
Post by: captainawesome on June 22, 2013, 07:21:28 AM
Made a lot of strides in the last 6 months thanks to this website/forum.  So far I have cut my driving down to two weeks a month (carpool).  At the same time old my jeep and purchased a Mazda 3, cutting my gas bill down to a quarter of what it was.  I just switched the Mrs. and I over to Platinumtel from our verizon phones, going from 154.00 a month to currently 40 (took advantage of the promo code).  I've signed up for mint.com to help keep my budget in line.  I've always semi handy with tools, and I've done a lot of the work on my current house myself (bought a foreclosure). Recently I got the wife to agree to stop looking at restoration hardware and just tell me what she wanted and I would build it.  Just finished up 3 pieces of furniture, and spent a fraction of what it would have cost if we went to one of those stores.  AND the wife loves it, bonus. I'm slowly getting my wife onboard with the lifestyle, but it hasn't been easy.  I still have to put up with her lease payment for another 11 months, at $448 a month.  It makes me cringe every time I pay it.   
Title: Re: Celebrations Thread
Post by: yolfer on June 24, 2013, 05:00:01 PM
I ran a half-marathon over the weekend. And I biked to/from the marathon. The ride home was pretty tough, so I took a bus up the final hill.

That was a great accomplishment, but it's not why I'm posting. My real reason to celebrate here is that previously, I'd have said "Let's go out to a big, fancy dinner to celebrate my run!" but instead I went home and made myself a "celebratory smoothie" with extra banana (my favorite smoothie ingredient).

It sounds so silly to write that, but I realized it was the celebratory attitude that really mattered, not what I did to celebrate (or how much it cost). I drank the HECK out of that smoothie!
Title: Re: Celebrations Thread
Post by: imustachemystash on June 24, 2013, 05:03:46 PM
Great job Yolfer!  Was it the Rock and Roll?  That's pretty badass to bike to and from the marathon.  I hope the smoothie was delicious.
Title: Re: Celebrations Thread
Post by: Tempe on June 24, 2013, 07:27:04 PM
Sunday night my roommate offered to buy a round of chinese food later this week if we bought a pizza that night. I replied I was making spaghetti ( I bought hamburger at 2$ per pound near sell by date) and she was like, oh, ok. I used her jar of pasta sauce 3.50$+ 1$ bag of pinwheel noodles+ 2 pounds of hamburger (4$) = 8.5$
 Cheaper than a pizza, filled me and her up with 2 servings, and my boyfriend filled up on the rest vs 13$ for a pizza that would not have been enough for us all, so it would have been 20$ or more to feed us.
Title: Re: Celebrations Thread
Post by: arebelspy on June 25, 2013, 10:12:24 AM
I ran a half-marathon over the weekend. And I biked to/from the marathon. The ride home was pretty tough, so I took a bus up the final hill.

That was a great accomplishment, but it's not why I'm posting. My real reason to celebrate here is that previously, I'd have said "Let's go out to a big, fancy dinner to celebrate my run!" but instead I went home and made myself a "celebratory smoothie" with extra banana (my favorite smoothie ingredient).

It sounds so silly to write that, but I realized it was the celebratory attitude that really mattered, not what I did to celebrate (or how much it cost). I drank the HECK out of that smoothie!

Nice!  The wife and I did a big hiking/camping trip this weekend, and when we got home we were so exhausted and celebratory we got some KFC.  Not nearly badass enough to celebrate at home.  (Plus our willpower was super fatigued at that point, not to mention our legs, so we pointed that out and said f it, let's go out anyways.)
Title: Re: Celebrations Thread
Post by: yolfer on June 25, 2013, 03:11:06 PM
Great job Yolfer!  Was it the Rock and Roll?  That's pretty badass to bike to and from the marathon.  I hope the smoothie was delicious.

It was the RnR! And the smoothie was AMAZING!
Title: Re: Celebrations Thread
Post by: yolfer on June 25, 2013, 03:13:35 PM
I ran a half-marathon over the weekend. And I biked to/from the marathon. The ride home was pretty tough, so I took a bus up the final hill.

That was a great accomplishment, but it's not why I'm posting. My real reason to celebrate here is that previously, I'd have said "Let's go out to a big, fancy dinner to celebrate my run!" but instead I went home and made myself a "celebratory smoothie" with extra banana (my favorite smoothie ingredient).

It sounds so silly to write that, but I realized it was the celebratory attitude that really mattered, not what I did to celebrate (or how much it cost). I drank the HECK out of that smoothie!

Nice!  The wife and I did a big hiking/camping trip this weekend, and when we got home we were so exhausted and celebratory we got some KFC.  Not nearly badass enough to celebrate at home.  (Plus our willpower was super fatigued at that point, not to mention our legs, so we pointed that out and said f it, let's go out anyways.)

I've read that willpower is like a muscle not only that it needs to be exercised, but also that it becomes fatigued like a muscle. So you guys were not only working out your literal body muscles while hiking, but you were also draining the reserves on your willpower muscle. That's why I exercise first thing in the morning, because I know my willpower won't be strong enough in the evening (which is usually when I counteract my exercise with rich desserts)
Title: Re: Celebrations Thread
Post by: arebelspy on June 25, 2013, 03:40:38 PM
Absolutely.
Title: Re: Celebrations Thread
Post by: chatsc on June 25, 2013, 05:46:13 PM
i am celebrating how my mindset has changed.  i went to the big chain book store to buy a bday party for a neighbourhood child.  i had a gift card and a 5$ off coupon. I found something suitable in the bargain section, picked up some xmas presents in the clearance section for my kids while i was there, noted to myself how my xmas shopping for my kids was coming along nicely. 

Before I left this evening, my husb suggested that i buy a fancy coffee and a magazine while i was there, to cheer up as I have been a little under the weather this week.  I couldn't even bring myself to waste money like that.  I actually thought "but that money could go towards our mortgage." 

Title: Re: Celebrations Thread
Post by: smalllife on June 26, 2013, 05:32:51 AM
I replaced one more packaged product with a homemade version for pennies!  Savings = $50/year, less chemicals in my body, and less packaging waste. 
Title: Re: Celebrations Thread
Post by: plainjane on June 26, 2013, 06:34:37 AM
Figured out the answering machine on the landline phone (I know, but others in the household feel uncomfortable relying on internet in emergencies and don't want a cell because ditto) and stopped paying the $10 monthly "stupid tax" I was paying my telco provider.

I swear, it wasn't $10 the last time I looked at a bill, but I overpaid a year ago (missed a decimal point paying online), and hadn't been looking at that bill because there was nothing owed. Stupid a second AND third time on this issue. But I'm not going to beat myself up over it, and instead am going to be happy that I've fixed it moving forward.
Title: Re: Celebrations Thread
Post by: happy on June 29, 2013, 04:47:51 PM
Its the end of the financial year in Australia, giving me the excuse to tally up my net worth for the past fin year. My little employees have been outstandingly productive this year and so the increase in NW is a 6 figure sum. Big Happy dance :).  This is in spite of reducing work hours and semi-retiring last November.  I note I've also exceeded my target for this calendar year (70k) in only 6 months.  Maybe, just maybe, I'm finally starting to surf in the right part of the money wave.
Title: Re: Celebrations Thread
Post by: marty998 on July 03, 2013, 03:59:40 AM
awesome happy, well done. If it weren't for the June sharemarket tumble you could have been up even more.

I love July though, big fat juicy bank dividends!
Title: Re: Celebrations Thread
Post by: happy on July 03, 2013, 06:34:41 AM
Yes June was a bummer, NW went down, but the rest of  year the made up for it.
Title: Re: Celebrations Thread
Post by: MandyM on July 17, 2013, 09:23:18 AM
Earlier this month I moved into a smaller house that is closer to work. Today I biked to the office for the first time. Its only 3 miles, but I am officially out of shape as it was a tough ride. Getting a work out is part of the point though, so bring on the sweat!

The house was always in my plans, the biking is completely the result of reading this blog. It will definitely be the most tranformative change. Thanks MMM and the MMM community for not only convincing me of the benefits, but showing me it was possible. I read a lot of bike comments that helped me pick a good safe route, clued me in to some safety issues, and put together a list of accessories I'll need.
Title: Re: Celebrations Thread
Post by: TrulyStashin on July 17, 2013, 09:53:40 AM
Earlier this month I moved into a smaller house that is closer to work. Today I biked to the office for the first time. Its only 3 miles, but I am officially out of shape as it was a tough ride. Getting a work out is part of the point though, so bring on the sweat!

The house was always in my plans, the biking is completely the result of reading this blog. It will definitely be the most tranformative change. Thanks MMM and the MMM community for not only convincing me of the benefits, but showing me it was possible. I read a lot of bike comments that helped me pick a good safe route, clued me in to some safety issues, and put together a list of accessories I'll need.

Hurray!  You'll quickly find that the bike ride is one of the best parts of your day.  I'm experiencing my city in ways that I didn't even know were possible.  Today, during my bike ride over the James River, I heard the roar of the rapids and a yellow butterfly flew along beside me for a bit.

What a great way to start my day!
Title: Re: Celebrations Thread
Post by: MandyM on July 18, 2013, 07:43:26 AM
Earlier this month I moved into a smaller house that is closer to work. Today I biked to the office for the first time. Its only 3 miles, but I am officially out of shape as it was a tough ride. Getting a work out is part of the point though, so bring on the sweat!

The house was always in my plans, the biking is completely the result of reading this blog. It will definitely be the most tranformative change. Thanks MMM and the MMM community for not only convincing me of the benefits, but showing me it was possible. I read a lot of bike comments that helped me pick a good safe route, clued me in to some safety issues, and put together a list of accessories I'll need.

Hurray!  You'll quickly find that the bike ride is one of the best parts of your day.  I'm experiencing my city in ways that I didn't even know were possible.  Today, during my bike ride over the James River, I heard the roar of the rapids and a yellow butterfly flew along beside me for a bit.

What a great way to start my day!

Thanks TrulyStashin!

Another announcement is that I think I can move up the date that I go PT. Plus, I went and calculated how many work days I have until that day (calendar days less weekends, holidays, and all vacation days)...280 working days. That is a do-able number. I'm hoping to convince my company to let me work 3-4 days a week for a few years. I really think that reduction will vastly improve my life. It might stretch out my time to FI, but at least I'll enjoy the ride.
Title: Re: Celebrations Thread
Post by: viverl on July 18, 2013, 08:04:01 AM
I paid off my student debt (~6000 €) after reading the MMM blog and really thinking about finances the first time of my life. I am still feeling great about this accomplishment!
Title: Re: Celebrations Thread
Post by: rubybeth on July 19, 2013, 07:28:05 AM
This month, our student loan debt (only debt we have) is down to about $9k. We started with about $52k in 2009.
Title: Re: Celebrations Thread
Post by: Dibbels81 on July 19, 2013, 02:09:43 PM
Purchased my first bike in a long time--a Trek 800 in good condition off of CL for $125.  I've been riding it everywhere, and I've forgotten how enjoyable and convenient of an activity it is. 
Title: Re: Celebrations Thread
Post by: TKE Super Dave on July 20, 2013, 03:01:46 PM
I took my Droid 3 over to Straight Talk from my Verizon Plan. Apparently it's one of the harder phones to take to another carrier as you have to unlock it, root it, and flash a radio ROM on it for it to work on AT&T or T mobile networks, which trust me was pain in the ass to do. I luckily was rewarded with much better signal then I have ever have had and a $40 per month savings from my old Verizon contract.
Title: Re: Celebrations Thread
Post by: icefr on July 20, 2013, 05:37:42 PM
In the last < 13 months, I have paid down a bit over 25% of my original mortgage balance. That's a bit under $75,000. I was originally expecting to pay it off by the end of 2017 and it's looking like I might have it paid off in full by early 2016. Perhaps I will bring in the estimate to late 2015 in another few months!

Part of me wants to take some cash out of my savings account and pay down the balance to < $200,000 and then re-building my savings account... But that would be silly with how much that still is. I'll probably do that when it is < $1,000 to go though.
Title: Re: Celebrations Thread
Post by: kgm on July 21, 2013, 05:11:46 PM
Just clocked a couple of significant (to me at least) achievements.  Neither DH or I have ever been mechanically inclined, though very frugal in other areas we've always paid for all work on vehicles.  Had the very wrong-headed idea that our hourly wage was relevant to the cost equation :0
Anyway, this weekend I replaced, by myself, the rear turn signals on my motorcycle.  'Course they only needed replacing because of cosmetic damage done by a learning motorcyclist.  So glad I'm over that phase.   Waited to do the work til I was confident in my bike handling skills, plus the shocks have worn in over the last 4k miles, and I can almost flat foot now; much more able to 'catch' the bike now!

And, we installed a hitch and the wiring on our 2003 Honda Si.  At  165K miles we figure this car has at least 40K of use life, so it was worth the investment for the hitch.  Plus we just purchased a used teardrop that we will use for a major cross country trip after I retire in January.  (DH retired this December.  Those graph lines officially crossed last summer!!).  So although we've spent money our cost of ownership on the trailer will decrease every camping trip we take.  Plus having the comfort of a real bed  will mean significantly less desire/need to add in periodic hotels. (At age 48 this is significant; for us camping mattresses are best left to the under 40 crowd.)

And now that we are demystifying vehicle maintenance, we'll be better able to troubleshoot for ourselves and do more routine tasks.  I will say, that having two metric socket sets that were both missing the 10mm added significant time and frustration to the shadow repair.  Will be replacing that tool ASAP, and probably replacing the bolts that some mechanic thoughtlessly (carelessly) stripped so I couldn't use a phillips head screw driver.  But I have to say I was ridiculously gleeful at my minor accomplishment.  And much more confident in general about even attempting anything mechanical.  It is very satisfying to move from consumer of services to just doin' it myself.
Title: Re: Celebrations Thread
Post by: Russ on July 22, 2013, 10:43:40 AM
Got an offer for a pretty great job today (engineering at a bicycle company). Time to start growing the 'stache!
Title: Re: Celebrations Thread
Post by: matchewed on July 22, 2013, 10:56:31 AM
Congrats
Title: Re: Celebrations Thread
Post by: KulshanGirl on July 22, 2013, 11:10:30 AM
I've got a milestone to report over here!

My net worth is just over $150K this morning.  =D  I must admit that it was thanks to Zillow that it went over, but still!  I'm making pretty good progress on the investment side too.   I'm a seventh-of-a-millionaire, sort of!  Next milestone will be hitting $100K without counting the home equity.  That one is even bigger. 

Woot!
Title: Re: Celebrations Thread
Post by: arebelspy on July 22, 2013, 11:43:04 AM
Well done!  :D
Title: Re: Celebrations Thread
Post by: NunyaBidness on July 25, 2013, 10:12:06 AM
I saved 95% of this weeks check (not including 401k) which I expect to hit next week as well.
My formula is  Save/ Total Income
Title: Re: Celebrations Thread
Post by: TrulyStashin on July 25, 2013, 02:41:02 PM
In the last three months, I've worked really hard to turn my spending around -- biking to work, moving cell phones from Verizon to Ting, killing DirectTV / landline phone, turning down the water heater -- you name it, I've embraced it.  I've freed up almost $700 a month in avoided wasted spending.

Now the BIG NEWS!   I have finally cleared the decks of my biggest financial mistake ever.  A most-unMustachian decision, made one year ago and finally un-done today.

I SOLD THE BMW!!!  Hurray!!!   That damn thing was such an albatross around my neck and now it is gone, gone, gone.  [happy dance]

With that, I'll now have another $600 / mo. (payment + insurance) back in my wallet.

By September, I'm on track to live on just 39% of my take home pay.  In April, I used 70% of take home for living.   180 degree turn around, BABY!!!
Title: Re: Celebrations Thread
Post by: NinetyFour on July 28, 2013, 08:25:07 AM
I haven't done any clown car driving since the end of May 2013.  Well, there was just the time that I returned a borrowed suitcase to a friend across town--couldn't figure out how to strap it to my back so that I could return it on my bike.  Still even if that counts as a clown car trip, it was cheaper than what my former self would have done--gone out and bought myself a suitcase instead of borrowing one!

Thanks for MMM for the Clown Car post earlier this year.  It really got my attention.  I have walked/biked to my job for 15 years, but there were other instances when I would think I "need" to drive.  Not any more!
Title: Re: Celebrations Thread
Post by: Jon_Snow on July 28, 2013, 09:28:07 AM
I am now receiving over $2500 in monthly dividends, and my investable assets have finally rolled into the seven figure range.

I am getting close to saying goodbye to the rat race forever.
Title: Re: Celebrations Thread
Post by: kevin78 on July 29, 2013, 05:31:08 PM
I'm moving to a new apartment that is 1.9 miles from work so I'll be able to bike there year round.  I'm freaking happy as heck about it. 

I've been searching for a place that I could afford for the last 6 months.  Seemed hopeless until I spotted the place on the map.  Immediately went there and filled out the rental app.  A couple weeks later my wish has been granted, to be able to easily bike to work. 

And I get to ditch having a roommate which I am particularly happy about.  And it will still be a net cost savings.
Title: Re: Celebrations Thread
Post by: NinetyFour on July 30, 2013, 10:53:25 AM
Recently found out that new new owners of Optimum (Charter) increased my internet bill from $50/month to $55/month.  So I called a competitor and found that I could go with them for $30/month (plus activation fee) for the first year.  I called Charter back and threatened to leave them--they quickly offered to lower my monthly rate to $30 for the next year.  It was so easy--I wonder if I should have said, "Make it two years and we've got a deal!"  Oh, well, I'm still celebrating the $300 savings.  (Oh, and thanks to I. P. Daley for helping me with ideas for lowering my technology costs.)  I will work on my cell phone next.
Title: Re: Celebrations Thread
Post by: Silvie on July 30, 2013, 01:33:22 PM
2 of my small accomplishments as a newbie:

I called my cable company and asked them to give me a better deal (TV + Internet). I now have a new package for $6 less per month than before. It only cost me 1 phone call!

The other thing is I finally discovered the Dutch equivalent of Craigslist and I bought a Wii fitness game for $17 rather than $50 on Amazon. I plan on using this for my workout at home, avoiding membership fees for my local gym.

In addition to this, I started working from home just 2 weeks ago (before I found this blog). Although commuting costs are fully covered by employers here in the Netherlands, it does save me a lot of time (3 hours per day) and money I used to spend on food, magazines and books at the train station!
Title: Re: Celebrations Thread
Post by: NunyaBidness on July 31, 2013, 01:24:37 PM
I saved 95% of this weeks check (not including 401k) which I expect to hit next week as well.
My formula is  Save/ Total Income

Saved 91% this week. Will not be able to hit these numbers for the rest of the month as I am "saving" (paying off) my cruise in October 2013
Title: Re: Celebrations Thread
Post by: Gundy on August 01, 2013, 10:03:48 AM

I feel like this is a good time to post a mini-celebration, even if these events have happened over the course of the last 8 months.
 
Dec 12- Refinanced my house. Savings = 500/mo

May- Refinanced a rental condo that me and my sister co-own. Savings = 200/mo
      - Convinced SO to downsize our joint storage unit and sell extra stuff on CL. Savings = 50/mo
      - Convinced SO to forgo cable. Signed up for Hulu and Netflix. Savings = 80/mo

June- Convinced soon to be wife that we might as well have our actual marriage 5 months before our "real" wedding. Since I am military, this adds 400/mo to my income via BAH and she saves on doctors visits.

July- Finished paying off my unmustachian car purchase. Savings = 300/mo

I've also been working the full court press with the SO on the virtues of cooking from home and not going out. She has always understood the benefit of saving money, but the concept of retiring early or being FI is a little foreign to her. Even still, she has embraced some of these changes and has been extremely positive throughout. The other day we went out to a movie and I suggested splitting a water and she balked at the ridiculous cost. We ended up getting a large sprite, but her comment made me really proud nonetheless :)

So far this year our cashflow has improved by aproximately 1,500/mo. And that isn't even adding up all of the home cooked meals we have transitioned too. We still have a long way to go on the mustachian spectrum, but it is amazing how small changes add up quickly.
Title: Re: Celebrations Thread
Post by: grantmeaname on August 01, 2013, 11:22:25 AM
...
Wow! You've got to head over to the $500,000 savings goal thread and chip in your totals!
Title: Re: Celebrations Thread
Post by: kendallf on August 01, 2013, 03:47:11 PM
Small goal met; my TSP account hit the 300k mark last week.  Then it went back down to 299.. then 300..   LOL.  So I'm sort-of-a 3/10ths of a millionaire.  I've been putting in near the max this year, as well as repaying loans from it that went to purchase the house we're renovating. 

Next big goal will be moving, getting this house ready to rent, and seeing our first rental check.  That will be a big day.. probably not until winter.
Title: Re: Celebrations Thread
Post by: Gundy on August 02, 2013, 07:59:06 AM
...
Wow! You've got to head over to the $500,000 savings goal thread and chip in your totals!

Good idea!
Title: Re: Celebrations Thread
Post by: NinetyFour on August 02, 2013, 12:15:57 PM
Two things to celebrate, in addition to getting internet bill down from $55 to $30 per month:

1) My refi will happen next week.  My rate (on $240k) will go from 6.75% (youch!) to 4.375%.  Sill higher than I would like, but a huge improvement.

2) I had been stashing cash, in case I needed it for closing the refi, but it turns out I don't. So I just took $6500 and stashed it in a Vanguard Roth IRA.  Yay!  I'm sure those 6500 green dollar bills will work a lot harder there than they had in my savings acct.

Next, I will open an account with Capitol One 360 (recommended by MMM) to stash my EF.

Woo hoo!!!
Title: Re: Celebrations Thread
Post by: SunshineGirl on August 03, 2013, 09:28:15 AM

2) I had been stashing cash, in case I needed it for closing the refi, but it turns out I don't. So I just took $6500 and stashed it in a Vanguard Roth IRA.  Yay!  I'm sure those 6500 green dollar bills will work a lot harder there than they had in my savings acct.

Woo hoo!!!

Woo hoo indeed. I'm assuming you're over 50, and therefore allowed to contribute that much to your Roth?
Title: Re: Celebrations Thread
Post by: MoneyCat on August 03, 2013, 10:03:43 AM
     I  canceled my two subscriptions to Sirius satellite radio and switched to free Pandora internet radio instead, which saves me about $30/mo.  In addition, I reached the top level on my FICO scores, so I canceled my Equifax Score Watch subscription at MyFico, which saves me another $16/mo.  That's $46/mo more that I can put toward paying off my ridiculous student loans.  Small potatoes, I know, but it's a start.
Title: Re: Celebrations Thread
Post by: Freedom2016 on August 03, 2013, 10:17:29 AM
I deposited a big receivable from a client this week, and my cut is $70,000 --- more than I earned all of last year!

I also, for the first time, tracked down the current value of all of our investments (which I was only loosely tracking in Quicken) and was pleased to discover that they're worth almost $258,000. (About 30k more than I thought...)
Title: Re: Celebrations Thread
Post by: Russ on August 07, 2013, 08:06:47 PM
Sold a semi-redundant bicycle today, which brings me down to 2: one racing/fitness bike and one commuting bike. Sold it at a small loss, but it went to a friend and that's still another couple hundred in the bank to pay for my upcoming move. Very happy overall.
Title: Re: Celebrations Thread
Post by: wing117 on August 08, 2013, 05:53:05 AM
Much smaller than a lot of folks in this thread, but I maxed out my IRA for the year last week for the first time ever!
Title: Re: Celebrations Thread
Post by: SunshineGirl on August 08, 2013, 08:58:36 AM
Much smaller than a lot of folks in this thread, but I maxed out my IRA for the year last week for the first time ever!

That's huge, wing117 - congratulations!
Title: Re: Celebrations Thread
Post by: NinetyFour on August 08, 2013, 05:59:04 PM
"Woo hoo indeed. I'm assuming you're over 50, and therefore allowed to contribute that much to your Roth? "

Yes, SunshineGirl, I am over 50.  I am 2X2X13.
Title: Re: Celebrations Thread
Post by: The knitter on August 12, 2013, 06:52:15 AM
Just made my final payment on my Student Loan!

Feeling great right now!!!!
Title: Re: Celebrations Thread
Post by: arebelspy on August 12, 2013, 07:03:54 AM
Just made my final payment on my Student Loan!

Feeling great right now!!!!

Well done!
Title: Re: Celebrations Thread
Post by: pachnik on August 12, 2013, 07:10:44 AM
Just made my final payment on my Student Loan!

Feeling great right now!!!!

Congratulations many times over!  It must feel great to have that monkey off your back and to have bought a little bit more freedom.
Title: Re: Celebrations Thread
Post by: The knitter on August 13, 2013, 04:01:14 PM
Thanks pachnik and arebelspy.

It does feel good to get a little more freedom. I'm moving forward now, instead of trying to get to the starting line from behind.
Title: Re: Celebrations Thread
Post by: Hatawa on August 13, 2013, 11:12:32 PM
Small step and celebration on the way to FI: bought a bike last week, now bike commute to work, which allows me to save at least $1.40 a day on public transportation!
Title: Re: Celebrations Thread
Post by: martynthewolf on August 14, 2013, 05:24:21 AM
Errrm... I just got a promotion that I completely wasn't expecting.

Lets just say I'm extremely happy right now.
Title: Re: Celebrations Thread
Post by: arebelspy on August 14, 2013, 07:32:14 AM
Errrm... I just got a promotion that I completely wasn't expecting.

Lets just say I'm extremely happy right now.

Dynamite!  :D

Well deserved, I'm sure.
Title: Re: Celebrations Thread
Post by: martynthewolf on August 14, 2013, 07:45:40 AM
Errrm... I just got a promotion that I completely wasn't expecting.

Lets just say I'm extremely happy right now.

Dynamite!  :D

Well deserved, I'm sure.

Cheers arebelspy It's still sinking in. Going to make staching so much easier now :)
Title: Re: Celebrations Thread
Post by: arebelspy on August 14, 2013, 12:38:36 PM
Have you already run the calculations on what this will do to your projected net worth, time to FIRE, etc. etc.?  ;)
Title: Re: Celebrations Thread
Post by: martynthewolf on August 14, 2013, 01:01:13 PM
Have you already run the calculations on what this will do to your projected net worth, time to FIRE, etc. etc.?  ;)

I hadn't run those numbers seriously, before the promotion :-| I guess I should get on and do it. I must admit I'm not sure I'm after RE but definitely FI.
Title: Re: Celebrations Thread
Post by: SavingMon(k)ey on August 15, 2013, 09:10:08 PM
Ok, I read lots of celebrations on here and worked up the courage to share my first ones as a newbie to the site. They are small (well, maybe not the last one), but it's a start.

1) Stopped a cash bleeding wound of $38/mo by cancelling the pool membership. I love swimming, but for the past few months have been unable to do so because of a shoulder injury. Also, a year ago I moved much further away from the pool, so even when/if my shoulder gets better, I may have to find another place to swim (not too many around here that have lap swimming lanes)
2) (I already shared this one on another post, but I'll list it here for good measure) Canceled cable, which saves us about $70/mo. This was in the works already, before I found MMM, but it took a bit of getting used to the idea.
3) Resisted temptation of eating take out two nights ago, instead made a simple dinner at home even though I was dead tiring from packing for our move next week.
4) Hasn't quite happened yet, but we're closing on a house tomorrow! Woohoo! No more stupid rent checks going to nowhere.

I'll keep working at it.
Title: Re: Celebrations Thread
Post by: KatieSSS on August 19, 2013, 12:59:45 PM
This is a small one, but the mindset is what mattered here. I was saying to someone that I recently counted up my coin jar and now had $45 extra dollars. The person said to me "What are you going to do with the extra money!" And I replied, "Put it towards my student debt, of course!" They replied, "You are so disciplined! I couldn't be as good as you with it!" My reply, "Oh it is actually really easy! I wouldn't want to put my money anywhere else right now."

The celebration here is my mindset. It really DOES seem easy now to put money towards my debt. Somehow, money seems to be appearing out of nowhere like never before!
Title: Re: Celebrations Thread
Post by: Silvie on August 19, 2013, 01:08:04 PM
Today I sold my studio apartment! I borrowed 34,000 euros from my dad for my new, bigger and more expensive apartment. The previous one is a studio and now I have a decent 2-bedroom apartment which I am planning to live in for a long time.

After the mortgage on the studio was paid off, I still had 14k left which I transferred directly to my dad's bank account, making him a happier man and reducing my debt from 34k to 20k. Yay!
Title: Re: Celebrations Thread
Post by: SavingMon(k)ey on August 19, 2013, 02:03:04 PM
A few more small ones...

1) Stopped another cash bleeding wound by cancelling the milk delivery. We will be saving about $190/yr. I also switched from 1% to skim which is my SO's favorite and probably better for me, so now we can buy cheaper gallons instead of half gallons of each.
2) SO has been generally on board with all the small changes, and I would say she's got pretty much the right mindset. Reading here on the forum, I feel really lucky about this.
3) I've been riding my bike for more errands and combining more trips when I find no way around using the car.
4) I have made a total of about $800 selling things I no longer need on Craigslist and Amazon this year.

Onward! I am currently monitoring my cell data use to decide on a cheaper plan that will fit my needs. And other changes.
Title: Re: Celebrations Thread
Post by: NinetyFour on August 20, 2013, 10:16:18 AM
Nice job, nofool !!  The market has tanked a bit recently, though.  I am afraid to look at my retirement account...I will wait a few more days and then take a peek.
Title: Re: Celebrations Thread
Post by: maryofdoom on August 21, 2013, 07:19:06 AM
This has little to do with the stated topic of this forum, but this is the thread for celebrations, and I have one to share: my sampler won Best of Show in the county fair this week!

Here is a link to a picture of my accomplishment: http://twitpic.com/d9fze6 (http://twitpic.com/d9fze6)

Oh, and just to make this slightly financially relevant, I won a premium prize of $105. GO ME.
Title: Re: Celebrations Thread
Post by: Maigahane on August 28, 2013, 03:23:24 PM
Just got my electric bill and while I still used more than I really should have (29kwh/day) it's much lower than this month last year (47kwh/day) and I'm pretty sure my level payment will lower here soon. Last year it jumped $30/month because my usage in July and August were ridiculous but this year I've controlled the ac more closely
Title: Re: Celebrations Thread
Post by: madgeylou on August 28, 2013, 03:36:50 PM
This has little to do with the stated topic of this forum, but this is the thread for celebrations, and I have one to share: my sampler won Best of Show in the county fair this week!

Here is a link to a picture of my accomplishment: http://twitpic.com/d9fze6 (http://twitpic.com/d9fze6)

Oh, and just to make this slightly financially relevant, I won a premium prize of $10. GO ME.

Mary, that is awesome! Wow, must've taken you so long to do that! It looks amazing! Congrats :)
Title: Re: Celebrations Thread
Post by: Basenji on August 29, 2013, 06:31:03 AM
Three dinners for me and my husband, no purchases: every night this week so far I cooked out of our fridge, pantry, and garden. I didn't buy a single thing. Monday: a somewhat bizarre concoction based on a Vietnamese recipe of stirfried rice noodles with bacon, onions, and a cucumber. Sounds strange, tasted good. Tuesday: Spaghetti alla Campolattaro (from "Naples at Table"), pasta with an anchovy and tuna sauce. Threw some frozen peas in for something green. Again, sounds weird, was awesome. Wednesday: homemade pizza dough, garden tomatoes and basil, leftover cheese and ham. Yum. Tonight: going to survey the larder and see what needs eating. Baby steps.
Title: Re: Celebrations Thread
Post by: olivia on August 29, 2013, 06:53:27 AM
My husband and I currently have the most money we've ever had in our savings account because of all the changes we've made and because we sold our car this month! We have $11,500. Doesn't sound like a lot but it's a start!  We usually have anywhere from $100-2000 in there, so it's a huge improvement.
Title: Re: Celebrations Thread
Post by: NinetyFour on August 30, 2013, 06:28:54 AM
Congratulations to everyone upthread!

I finally closed on my refinance last week!  My interest rate came down from 6.75% (ouch!) to 4.375%.  (I missed out on the even lower rates because of mortgage broker/lender delays, but oh well.)  It is a 30 year loan, but I am hoping to pay it off in 10!
Title: Re: Celebrations Thread
Post by: dorkus619 on August 30, 2013, 09:09:10 AM
Congrats everyone!

Last week I bought a used bike for $50. I spend the week cleaning and fixing it up and TODAY I RODE MY BICYCLE TO WORK! Woohoo!

Thanks to MMM and everyone here for tips, help, and inspiration
Title: Re: Celebrations Thread
Post by: rubybeth on September 02, 2013, 01:06:52 PM
We paid off the last of the student loans last week. It was our only debt. I wrote about it on my blog: http://rubybeth.WordPress.com We also paid for my DH's first semester of grad school tuition out of savings for that purpose this month. Hasn't quite sunk in yet... paid off $52k in less than 4 years, now paying cash for the next 3 years, likely $22k in tuition and books. Pretty exciting stuff! What a difference a mindset makes. :)
Title: Re: Celebrations Thread
Post by: zendenise on September 06, 2013, 10:53:41 AM
First victory! This is probably a no-brainer and everybody on here has probably already done it, but I'm new to this mustache-growing thing. I switched to Geico, and (not to sound like a commercial or anything) it is literally saving me 600 dollars a year! And the coverage is better! When I think of all the money I've thrown away over the years I want to stab myself in the eye with a fork, but what's done is done. Onward! Next up: getting rid of my cable.
Title: Re: Celebrations Thread
Post by: NinetyFour on September 06, 2013, 11:06:34 AM
Congrats to rubybeth and zendenise!  All great stuff!

My recent accomplishments:

1) got my internet bill down from $55 to $30 per month
2) switched to Ting (had to buy a phone (used) but still will come ahead)--and I LOVE Ting's customer service! This will probably lower my phone bill from $50 to $30 per month
3) moved an inherited IRA from a local bank (where is was earning a pitiful amount on interest) to my TIAA Brokerage account
4) opened checking and savings accounts with Capitol One (will get a $50 bonus plus way better interest rates)
5) paid for repairs (instead of replacements) of two pairs of shoes
6) have done NO CLOWN CAR DRIVING since late May!!
7) spent less than $200 on groceries last month (had only done that one other month so far this year, but am hoping to repeat it this month!)

Loving the mustachian lifestyle!
Title: Re: Celebrations Thread
Post by: sununderwood on September 07, 2013, 10:26:40 AM
I just got two telephone customer service representatives genuinely excited about the idea of early retirement -- real human tone of voice, personal anecdotes about their lives and families -- AND I talked down my auto insurance by $100 a year.

$33 a month for a 23 year old in one of most expensive states to insure? Costs me $16.50 a month cause I split it with my beau in our one car family? I'll take that! ;)
Title: Re: Celebrations Thread
Post by: Will on September 08, 2013, 10:09:14 PM
I noticed the other day that I hadn't spent any money this month.  The earliest I will probably buy something is Tuesday, and the last purchase I made was August 29th, so that will be 11 days (at least) without spending a cent.  I wasn't stocking up on anything to prepare for this; it just happened.  And I'm sure someone else out there has gone much longer than this, but still, I think this is pretty good.
Title: Re: Celebrations Thread
Post by: NinetyFour on September 09, 2013, 04:46:13 AM
Awesome job, Will!
Title: Re: Celebrations Thread
Post by: SavingMon(k)ey on September 09, 2013, 02:28:59 PM
6 weeks without buying anything at a coffee shop! That's a serious change for someone who had an almost daily habit. The key will be to keep this up now that school is in session again. Going to the coffee shop on my lunch break was a daily breather from being in a stressful place. Today was sooooo tempting but I didn't do it.
Title: Re: Celebrations Thread
Post by: justchristine on September 10, 2013, 09:39:28 AM
I was futzing around with Firecalc today and realized that even if I didn't add another penny to my retirement accounts, the current balance will grow to sufficiently cover a traditional retirement at 67yo. 

Looking at it that way, now all my savings are going towards EARLY retirement.
Title: Re: Celebrations Thread
Post by: smalllife on September 10, 2013, 10:56:55 AM
I was futzing around with Firecalc today and realized that even if I didn't add another penny to my retirement accounts, the current balance will grow to sufficiently cover a traditional retirement at 67yo. 

Looking at it that way, now all my savings are going towards EARLY retirement.

That's awesome!

I realized a little while ago that if all I did was max out my Roth IRA, my "traditional" retirement would be completely funded.  It makes the light at the end of the tunnel a little brighter.
Title: Re: Celebrations Thread
Post by: iamsoners on September 10, 2013, 01:14:28 PM
Since having a baby in June I haven't been able to post as much but I've mostly still been reading along--hi everyone!  Now that I'm not working--and not finding a desire to start anytime soon--and the tyke is sleeping slightly longer, I've been focusing on decreasing our expenses as much as possible.  I've had a couple of big wins so far I thought we could celebrate:

Insurance: Cobra for my insurance plus putting the kiddo on my husband's work insurance cost about $960 for the first two months of his life. I got the kid and myself an independent plan for $180/month. This was, obviously, huge--making it so that we're in the black every month just on my husband's salary, as opposed to losing money each month if we stayed with those plans.  The plan will end at the end of the year when Obamacare comes in, so I'm quite anxious to see the rates--I'm expecting an increase in cost but the new plans will also cover maternity, which this doesn't, so that's helpful.

Mortgage Payment: We re-roofed and re-wired the house when we bought it last April--I contacted the insurance company and they dropped our annual premium nearly $160.  We were also sent a tax re-assesment notice from the city right after we bought with a value $25k above what we paid--I submitted our closing docs and the yearly tax liability dropped by about $440.  Contacted the mortgage company and they'll take all of that into account and our new payment will be about $50/mo less.  Yay!  (I have some temptation to plow the savings back into the mortgage but I'm learning to trust my head, which says the numbers are better elsewhere, over my emotions which say it'd be nice to have it paid off).

Up next are cell phone (hoping to drop $25/mo now and another $25 in a few months when hubs can switch) and utilities (energy audit has been done, just need to do the work! Hoping we can find at least $25/mo in savings here).


...and the baby's crying, which reminds me--biggest celebration--I have a kid now and he's wonderful and it's been a wild, wonderful journey so far!
Title: Re: Celebrations Thread
Post by: wing117 on September 13, 2013, 06:23:23 AM
Congrats on the baby, soners! The difference in insurance costs is staggering!

My celebration for this week:

I'm taking my first week-long vacation in over 5 years! My uncle is coming down and we will be hiking different mountains around NC, taking a winery trip and may do some fishing. I couldn't be more excited!

Oh, and I also just broke 700 miles on my bike, having started cycling in June! I'm healthier, much more fit, happier, have less stress, sleep better at night, really hate driving these days and eat better naturally (and have gone from 160 to 133 pounds).
Title: Re: Celebrations Thread
Post by: dorkus619 on September 13, 2013, 09:19:05 AM
Wing117 - 700 miles wow! That's awesome - and so are all the other benefits you've experienced. Definitely motivating me to ride mine more.

And your vacation sounds very fun and fulfilling (and well deserved)
Title: Re: Celebrations Thread
Post by: MelodysMustache on September 14, 2013, 01:33:14 PM
I paid off my 401k loan today.  It was a five year loan for part of my house down payment, and I paid it off in 18 months.  Now I am debt free except for my very low interest 15 year mortgage.  Yay me!
Title: Re: Celebrations Thread
Post by: NinetyFour on September 14, 2013, 03:08:17 PM
Great job, MelodysMustache!
Title: Re: Celebrations Thread
Post by: smalllife on September 17, 2013, 05:28:37 AM
I have been so focused on debt pay down and long term goals that I failed to realize I have over one year's expenses saved! 
Title: Re: Celebrations Thread
Post by: Jwesleym on September 17, 2013, 10:29:16 PM
Just went over 400 miles on the bike!
Title: Re: Celebrations Thread
Post by: blake201 on September 18, 2013, 10:12:20 AM
What a cool thread, and so many awesome celebrations!

Here are my recent wins in the past two months (just started on all this two months ago) and before this we were spending more than we earned each month, dipping into our savings and accumulating debt. This is for me and husband and a three-year-old living in Brooklyn:

Title: Re: Celebrations Thread
Post by: NinetyFour on September 18, 2013, 10:16:48 AM
Wow, blake201, those are amazing changes in just two months!  Very impressive!
Title: Re: Celebrations Thread
Post by: blake201 on September 18, 2013, 09:12:31 PM
Wow, blake201, those are amazing changes in just two months!  Very impressive!

Thank you! Although now I'm almost more EMBARASSED by how lavishly we were living while thinking "hey, we've cut our expenses to the bone and are still broke!"
Title: Re: Celebrations Thread
Post by: viverl on September 19, 2013, 03:57:54 AM
Hey y'all!

I am currently on my last two days at work No.1 ( 40h/week) where I have to go by train, bus and bike every day for about 2.3h/day. My calculated Real Hourly Wage (http://mustachecalc.com/#/) was €6.77.

In October I will start my new job 5 km from my doorstep, which has 30h/week with a commute of approx. 1h of going by bike. The Real Hourly Wage will be about €15.20!

I am so giddy to finally leave this place!
Title: Re: Celebrations Thread
Post by: slackface on September 19, 2013, 05:26:15 AM
I've been working on big ways to cut down expenses in the past couple of months. For example, I started carpooling and taking public transportation, which is saving me $200 a month in gas and parking costs. I also cut down on my car and home insurance by switching providers, saving me an additional $45 a month. Felt great with those savings!

Yesterday I received amazing news, which helps me save even more! After 15 months of working really hard at my most current job, I got a much delayed annual review which was not only glowing, but rewarded me with an unprecedented (for me!) 25 percent raise! This puts an extra $1200 into my monthly savings goals. It was hard work earning that, and it came really unexpectedly. I feel like this will make me want to save even more aggressively!
Title: Re: Celebrations Thread
Post by: livetogive on September 19, 2013, 03:07:30 PM
I just want to say "Thanks" to everyone on this board and to MMM for turning my SO and I on to something big.

We're still 15+ years away from FIRE but I'm incredibly excited to be planning on retirement in our 40s.

So, thanks!!!
Title: Re: Celebrations Thread
Post by: RNwastash on September 19, 2013, 11:29:33 PM
My net worth is at $890,000!! Most of it is in our 403B's.  Only debt is our home, which I plan to pay off in 5 years.
Title: Re: Celebrations Thread
Post by: ChiStache on September 20, 2013, 02:22:18 PM
Fiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiinally done paying for law school. About $200,000 in debt eliminated.

Thought I would feel relieved, but I just feel stupid that it took this long and cost so much. Albert Einstein said it best: “Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”
Title: Re: Celebrations Thread
Post by: arebelspy on September 20, 2013, 05:12:55 PM
Fiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiinally done paying for law school. About $200,000 in debt eliminated.

WOW!  Well done.  Think how fast that 'stache will grow now!
Title: Re: Celebrations Thread
Post by: Freckles on September 21, 2013, 09:00:26 PM
So I'm actually feeling pretty sad but maybe if you guys help me celebrate my choice, I'll feel better about it?  This is small beans stuff; I'm just learning the ways of the mustachian, but here it is.  Tonight my whole family from all over the country is together in Arizona for my cousin's wedding.  I'm sure they're dancing up a storm and having a ball right now, as I type.  My little family is not there, were just at home in Oregon having a typical Saturday night.

The celebratory part is that we made the choice not to go because we can't afford it, instead of just charging it all as we would have done in the past.  This is a direct result of finding MMM a few weeks ago.  Old me would have said, "But we have to go!  It's her wedding!  Our whole family will be there!  It will be so fun!  Our kids should get to see their relatives!  It will be memories of a lifetime!  This is the stuff that matters!"  And on and on.  I actually really love and enjoy my extended family (and weddings), always have a great time with them, and do value my kids knowing their relatives.  But, we didn't have an extra $2000 so we didn't go.  And it sucks, but it kind of doesn't right?  Yea me?
Title: Re: Celebrations Thread
Post by: arebelspy on September 21, 2013, 09:57:08 PM
So I'm actually feeling pretty sad but maybe if you guys help me celebrate my choice, I'll feel better about it?  This is small beans stuff; I'm just learning the ways of the mustachian, but here it is.  Tonight my whole family from all over the country is together in Arizona for my cousin's wedding.  I'm sure they're dancing up a storm and having a ball right now, as I type.  My little family is not there, were just at home in Oregon having a typical Saturday night.

The celebratory part is that we made the choice not to go because we can't afford it, instead of just charging it all as we would have done in the past.  This is a direct result of finding MMM a few weeks ago.  Old me would have said, "But we have to go!  It's her wedding!  Our whole family will be there!  It will be so fun!  Our kids should get to see their relatives!  It will be memories of a lifetime!  This is the stuff that matters!"  And on and on.  I actually really love and enjoy my extended family (and weddings), always have a great time with them, and do value my kids knowing their relatives.  But, we didn't have an extra $2000 so we didn't go.  And it sucks, but it kind of doesn't right?  Yeah me?

What sucks isn't that you didn't go, it's that you didn't have the money to go.

Because you couldn't afford it, you made the right choice.

Imagine how much you'll be able to enjoy things like that when you are in a financial position to have the freedom to afford things like that.

It sucks, but well done making the tough choice.
Title: Re: Celebrations Thread
Post by: dorkus619 on September 23, 2013, 09:48:25 AM
I am currently on my last two days at work No.1 ( 40h/week) where I have to go by train, bus and bike every day for about 2.3h/day. My calculated Real Hourly Wage (http://mustachecalc.com/#/) was €6.77.
Hey thanks for sharing that link, I hadn't seen that before. The geek in me loves that stuff.

And congrats on the new job!
Title: Re: Celebrations Thread
Post by: dorkus619 on September 23, 2013, 11:25:36 AM
I just bought gas and noticed an improvement of 4 mpg due to more careful driving!

And I checked my tire pressure. It was all wrong, so I corrected that. I'm anxious to see the difference that makes.
Title: Re: Celebrations Thread
Post by: zinnie on September 23, 2013, 01:50:10 PM
I hit $500,000 net worth! This is mostly due to an increase in the value of my home, but I'll take it. It felt so great to see that number on Mint the other day. I'm about halfway there!!! :)
Title: Re: Celebrations Thread
Post by: NinetyFour on September 23, 2013, 01:50:54 PM
That's great news--and a really nice number!  Congrats!
Title: Re: Celebrations Thread
Post by: zinnie on September 23, 2013, 02:47:40 PM
That's great news--and a really nice number!  Congrats!
Thanks :)
Title: Re: Celebrations Thread
Post by: Mazzinator on September 27, 2013, 12:38:06 PM
Fiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiinally done paying for law school. About $200,000 in debt eliminated.

Thought I would feel relieved, but I just feel stupid that it took this long and cost so much. Albert Einstein said it best: “Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”

This is awesome!! Congrats! My dh went to law school and we had combined $150k in SLs. Down to about $88k...i also feel stupid stupid stupid for taking so long. Somebody facepunch me!!!

As a celebration..we gave away our Kuerig (it was a gift to us) and we got a french press (also a gift, but it was $6) those K-cups are so freakin expensive.. It's about a $30/month savings!!!
Title: Re: Celebrations Thread
Post by: ChiStache on September 27, 2013, 02:54:14 PM
Quote
As a celebration..we gave away our Kuerig (it was a gift to us) and we got a french press (also a gift, but it was $6) those K-cups are so freakin expensive.. It's about a $30/month savings!!!

That's awesome. I love that you "celebrated," by saving MORE money.

As an update: Since paying off our loans, I've been kind of blown away by the impact that each payday has on our net worth.  I'm feeling much more secure and optimistic about the whole financial picture now. Just refinanced to a 15-year mortgage at 3.25%; maxing my husband's 403(b); and about to open IRAs and a taxable account at Vanguard. *Insert Rocky theme song here* LET'S DO THIS!!!
Title: Re: Celebrations Thread
Post by: 2527 on September 29, 2013, 10:58:37 AM
Congrats to everybody.  Those are great things.
Title: Re: Celebrations Thread
Post by: KatieSSS on September 30, 2013, 01:08:22 PM
As an update: Since paying off our loans, I've been kind of blown away by the impact that each payday has on our net worth.  I'm feeling much more secure and optimistic about the whole financial picture now. Just refinanced to a 15-year mortgage at 3.25%; maxing my husband's 403(b); and about to open IRAs and a taxable account at Vanguard. *Insert Rocky theme song here* LET'S DO THIS!!!

Wow - I'm so impressed! This is exactly what I dream for, watching that net worth go up so much faster once debt is gone! Just a few more months and I should be there....
Title: Re: Celebrations Thread
Post by: tomatoprincess on September 30, 2013, 07:25:33 PM
This past weekend, reached out of my comfort zone and asked to share a ride with a friend's friend (stranger) to a friend's wedding 6hrs away. Typical bus fare would be $60+, train would be at least 100+ and plane would be 200+. I gave my new friends $50 for gas and the trouble of driving, old me would have told myself that I didn't like making conversation with new people. The couple I drove with turned out to be a lot of fun and wealth of knowledge!!
Title: Re: Celebrations Thread
Post by: ajmers on September 30, 2013, 09:04:49 PM
Congrats to everyone! Love the inspirational celebration posts :)
I started my new job 2 weeks ago! This is exciting for a few reasons:

-I've gotten to bike to work a few days, and will again this week. Gas costs were down from $160 to $130 this month.
-There's free lunch at work every day, and I was never very good at bringing lunch, so that's about $25 a week worth of expenses gone. Not so Mustachian really, but it'll help the bottom line!
-Some of my coworkers go to Starbucks every day, but after the first day I didn't see the point of that! There's free coffee in the kitchen!
-Other, unrelated celebration is that I just hit the 80% mark in paying off my car and barring more unforeseen expenses I should be throwing triple payments at it for the rest of the year.

Title: Re: Celebrations Thread
Post by: gimp on October 01, 2013, 11:42:44 AM
In the past two-three years, I lived in Boston, Portland, and San Jose. Boston and San Jose are fairly expensive; Portland is a lot cheaper but it's still decently expensive.

1.

I guess this is fairly impressive. I'm a college kid and I am doing a co-op program; five years of college which include 8 normal semesters and 18 (or in my case 20) months of work. So after two years of normal college, the last years are six months at school and six months at work.

I earn enough from six months of work to pay all of my living expenses (including rent, and some spending money) for the whole year. And tuition for six months. And for my car. In short, 100% independence from my parents. Lots of people manage to do this way earlier than I did (at age 20) but supporting that from only six months' work is not super easy.

2.

I mentioned on an online forum that I eat $30/month (by choice, so I can save the money for more important things). I listed what I buy and a sample list of recipes big enough to rarely repeat dinner for a month. I was quite detailed, though I made sure to say that this worked for me, and may not for other people. I mentioned that even double my spending - making a grocery list that would work for 99% of the population - was still way cheaper than most people live.

I got a lot of disbelief, which is fine, and some choice words. But I also got a lot of thanks, which was nice. But the reason I'm bragging about this is due to the people who took it deeper. Some people asked me for help with their budget, so I would take their zip code and look at the grocery stores in their area and point out food that was just as cheap as I pay, that they had no idea existed. And some people went a step further, by taking my list to the store and seeing if I was lying - and in the end, found that some food was more expensive, some cheaper, and the overall guideline doable. I'm bragging because some people cut their grocery bill in half, and that's awesome.
Title: Re: Celebrations Thread
Post by: JessieImproved on October 02, 2013, 09:53:17 AM
I switched the hubs and myself to Page Plus Cellular from Verizon.  Went from $150/mo to $42/mo for phones.  I'm on the $12 plan and hubs is on the $29.95 plan (500mb of data was the only way I could entice him to switch ^_^). 

Also, I've gotten really good at hitting the local thrift store on "half price days" for clothing (Monday=menswear, Tuesday=kids, Thursday=women).  Also working on a minimalist wardrobe for myself.
Title: Re: Celebrations Thread
Post by: jly224 on October 02, 2013, 03:29:20 PM
I got a 5% Raise, I've also transferred my IRA's over to vanguard to avoid those pesky high expense ratios, and started a blog to publicly hold my feet to the fire as I work my way out of debt.
Title: Re: Celebrations Thread
Post by: grantmeaname on October 02, 2013, 03:39:53 PM
And turned 28, all in one day? Happy birthday!
Title: Re: Celebrations Thread
Post by: maryofdoom on October 03, 2013, 07:22:36 AM
Another fabulous celebration: my husband and I hit $100k in net worth today!

Sure, it's only one data point, and sure, it won't be really real until it stays over $100k for a few weeks in a row, but still. Seeing that the spreadsheet now shows six figures instead of five is quite satisfying.
Title: Re: Celebrations Thread
Post by: avonlea on October 03, 2013, 08:45:00 AM
Congratulations, maryofdoom!
Title: Re: Celebrations Thread
Post by: jly224 on October 03, 2013, 02:29:33 PM
I paid off another $738 of debt! Only $23.5k more student loans to go. I hate those things.
Title: Re: Celebrations Thread
Post by: Mustache Fatty on October 03, 2013, 02:37:41 PM
Nice job, gimp!  Where can I find the budget and recipes that you spoke about earlier?
Title: Re: Celebrations Thread
Post by: justchristine on October 04, 2013, 04:54:47 AM
Maryofdoom, that's a great feeling, isn't it?  It's seems to take forever to hit get that first 100k.  Now that you've got the train rolling, compound interest really speeds things up.

It took me 10 yrs to save up 100k.  Now just two years later, I'm anxiously waiting to hit the 200k mark (should be in the next couple months).  I'm so glad we have this forum to share the excitement.  My IRL friends wouldn't get it.
Title: Re: Celebrations Thread
Post by: The knitter on October 04, 2013, 02:44:27 PM
I really love reading through this thread. It's inspirational to see the small and big changes people are making every day! Congrats to all the previous posters.

Just wanted to add my little piece.

I just doubled my contribution to my Roth IRA. It's a small dollar increase (from $75 to $150 a month), but it's twice as much as I was putting in before. My goal is to increase up to the full contribution.

Title: Re: Celebrations Thread
Post by: Jessie on October 07, 2013, 07:37:01 PM
On a smaller scale, yesterday I canceled two monthly subscriptions that I wasn't getting enough value from to justify keeping to the tune of $25/month. (LinkedIn Premium and audible.com)

On a bigger scale, since I have gathered at least a few months worth of savings after graduating in 2010, and been wanting to be reunited with my boyfriend (he has been in Massachusetts with a new job while I was still in Virginia, where we had been living before, with the intention of me coming to Massachusetts when I found a new job) I decided it was worth taking the risk of giving notice and leaving with no job lined up, when my boss offered for me to continue to work for them remotely while looking for a new job!! So, beginning this weekend, I will be back to living with him and our two cats : ) I guess good things happen when you have options!
Title: Re: Celebrations Thread
Post by: NV Teacher on October 07, 2013, 09:08:12 PM
I signed the refi papers at the CU today. The last payment on my old loan - principal/$381 and interest/$635.  The first payment on the new loan - $870/principal and $394/interest.  I also went from a 30 year loan to a 10 year loan and I'll only pay a $101 more each month.  How did I celebrated?  I got a dipped ice cream cone at McDonalds for $1.40.  The next beast to tackle is my student loan.  I owe just over $15,000 and the plan is to have it paid off by December 2014. 
Title: Re: Celebrations Thread
Post by: Scrooge McDuck on October 08, 2013, 01:43:06 AM
We hit $300K in networth this month!!

wow that's amazing. It must be easy now that you're getting the compounding growth off that each year.
Title: Re: Celebrations Thread
Post by: RobertBirnie on October 08, 2013, 10:10:58 AM
So I'm super excited about this! I would start a real thread for it but since it actually happened last month I think I found these forums too late!

Last month I passed $0 net worth for the first time since high school! Yaaaay!!!! I've wanted to share that so much you have no idea. In the real world its pretty hard to share personal finances with others so I told my wife (who said "oh hum") and I told my sister, but thats the only ones I felt like i could share it with.

My wife and I have been clawing our way back from student debt. We still owe $40k but also have $40k in retirement accounts.
Title: Re: Celebrations Thread
Post by: ajmers on October 09, 2013, 11:16:02 PM
Bought some new shoes for a wedding I am in on Saturday, and then returned them for ones that were $40 cheaper. Also got my dress for the wedding for $37.

I'm in 3 weddings in the next year and all three brides either chose or let us choose dresses for $40 or under that are appropriate for work or other occasions. I love friends who are considerate of their wedding party's budget!!
Title: Re: Celebrations Thread
Post by: icefr on October 12, 2013, 03:58:52 PM
All of my Vanguard accounts added up together now total over $100,000!! (That includes my 401(k), my Roth IRA, and my taxable account.) I was so excited about the milestone that I even took a screenshot!
Title: Re: Celebrations Thread
Post by: ender on October 12, 2013, 04:02:48 PM
All of my Vanguard accounts added up together now total over $100,000!! (That includes my 401(k), my Roth IRA, and my taxable account.) I was so excited about the milestone that I even took a screenshot!

Nice!

My next financial goal is $100k net worth, including my cash savings/emergency fund, then $100k in strictly investments. Going to be some months yet but love to see others get there (even if you beat me there :P).
Title: Re: Celebrations Thread
Post by: wing117 on October 13, 2013, 05:43:39 PM
The 100K milestone seems so far yet it's getting close! Congrats! That's a huge win, icefr!

A couple small victories that I'm completely excited about:

I waited a month before posting this to make sure I could keep to it: My savings rate just skyrocketed from 44% to 54%! I'm officially living on less than one paycheck.

I'll have my car paid off next month (3 years early) which will bump my savings rate up again to 62%!

On January 1st 2014 I'll be able to max out my contributions immediately.

I also now have 12 months of expenses in investments/savings.
Title: Re: Celebrations Thread
Post by: adam on October 15, 2013, 10:55:22 AM
I'd been feeling like we were stuck in a rut, and not really getting very far with our debt payoff.  I was updating some stuff today and decided to see what exactly we've done in the last 12 month period and was pleasantly surprised.  $20,405 since last October paid off (not counting two mortgages).  It seems like maybe we are closer to being on track after all with an average of $1700/month going to principal.  Now I need to try and get that closer to $2500 or even $3000 and I'll be really happy!

And on top of that, zillow has been telling me the values of our two houses have been increasing (I'd really like to believe this, but still find it hard).  So our net worth has gone up to almost $60k.

AND we got our renter to sign up for another year and raised the rent from $1200 to $1300 without complaint (we kinda cut her a deal that first year).
Title: Re: Celebrations Thread
Post by: Mr.Macinstache on October 15, 2013, 11:11:49 AM
We've kept the power off/down and saved over $100 this month. Last month is was $222, this month $101. Our house is electric, no gas. Pretty excited about that.
Title: Re: Celebrations Thread
Post by: Mitch76 on October 15, 2013, 02:38:48 PM
Been reading MMM for about 2 weeks, started to make some changes in order to reach a short term goal of reaching £50k stashed by Xmas (got approx. £41k saved currently).

1). After talking about following a budget for years, we've finally started one, via YNAB. It's gonna be fascinating seeing where our cash goes each month, and ultimately deciding where it goes. Gonna use the envelope system.

2). Cancelled my PS4 preorder with a couple of games, saving myself £450.

3). Cancelled a kettlebell and Olympic lifting 2 day workshop in London next month, which with hotels, travelling and food probably would have cost ~£1000.

4). Started cooking all food from scratch, planning meals in advance, thus avoiding 'having to eat out' due to no food in the house.

5). Started cycling to work on the days I don't have to drop my toddler off at childcare, 2 to 3 days a week. I only live 2.5 miles from work, so no excuse really.

6). Have been extra vigilant in turning off lights, tv's etc. around the house when not in use. Have also changed energy provider to a cheaper provider.

7). Changed bank account, (first time since college, 15 years ago) to Santander 123, which gives cashback for all utility bills, plus got the Santander credit card, which gives cashback for diesel.

8). Have sold over £800 of unwanted stuff on eBay (old phones, iPods, ps3 games, watches).

I feel these are all positive first steps to financial independence. Can't wait to get there.
Title: Re: Celebrations Thread
Post by: ozzage on October 15, 2013, 03:12:11 PM
Well done Mitch76. I wonder if you were with SSE? I'm afraid they're all going to raise their prices now...

The Santander 123 account (and c/c) are great. And 3% on up to 20%!! I find with YNAB (YNAB + MMM an absolute winning combination!) that I end up with a lot of money in my current account so it's the perfect home for it.
Title: Re: Celebrations Thread
Post by: imbros on October 15, 2013, 03:50:53 PM
- Sold my car last weekend (living 3-4 blocks from the office or working from home)
- Sold my old flip phone for a good price (but got a new smart one with an inexpensive prepaid plan. This might be my only luxury)

I expect to hit 6 digits in Income generating assets by the end of this year.
Title: Re: Celebrations Thread
Post by: ScienceRules on October 15, 2013, 06:48:17 PM
I passed my PhD qualifying exam! Which is exciting itself, but I also get a $50 a month raise because of it. Yay!
Title: Re: Celebrations Thread
Post by: maryofdoom on October 16, 2013, 06:38:07 PM
I passed my PhD qualifying exam! Which is exciting itself, but I also get a $50 a month raise because of it. Yay!

Hooray! As the child of two people with advanced degrees, and the sister of three others who are at various stages on their journey, this really is an excellent accomplishment. Good for you!

This is seriously my favorite thread in these forums. Yay for everyone!
Title: Re: Celebrations Thread
Post by: justchristine on October 17, 2013, 06:43:31 AM
I'm so excited I'm about to burst because I have no one IRL to tell.  Today I hit the $200K (in liquid assets) mark for the first time.  That's about 2months earlier than my spreadsheet projected and less than 2 years after hitting the 100k mark  :)

So let's see...$200K at a 4% SWR is $8000/yr income in retirement.  Which is about 30% of my annual expenses.  Just 70% more to go!
Title: Re: Celebrations Thread
Post by: arebelspy on October 17, 2013, 07:30:47 AM
I'm so excited I'm about to burst because I have no one IRL to tell.  Today I hit the $200K (in liquid assets) mark for the first time.  That's about 2months earlier than my spreadsheet projected and less than 2 years after hitting the 100k mark  :)

So let's see...$200K at a 4% SWR is $8000/yr income in retirement.  Which is about 30% of my annual expenses.  Just 70% more to go!

Nice!  About 6 years or so to FI then?  :D
Title: Re: Celebrations Thread
Post by: justchristine on October 17, 2013, 09:21:08 AM
I'm so excited I'm about to burst because I have no one IRL to tell.  Today I hit the $200K (in liquid assets) mark for the first time.  That's about 2months earlier than my spreadsheet projected and less than 2 years after hitting the 100k mark  :)

So let's see...$200K at a 4% SWR is $8000/yr income in retirement.  Which is about 30% of my annual expenses.  Just 70% more to go!

Nice!  About 6 years or so to FI then?  :D
Probably a closer to 8yrs.  I'm currently renting but expect to buy a house before FIRE.  So that will cut into the liquid assets a bit.
Title: Re: Celebrations Thread
Post by: arebelspy on October 17, 2013, 09:41:49 AM
Probably a closer to 8yrs.  I'm currently renting but expect to buy a house before FIRE.  So that will cut into the liquid assets a bit.

You just aren't optimistic enough yet.  I bet my guess is closer than yours.  You can do it  :D
Title: Re: Celebrations Thread
Post by: smalllife on October 17, 2013, 01:38:23 PM
I talked to my employer about our crappy 401k expense ratios and options and my questions got forwarded to the broker!  I'm not going to hold my breath, but at least the conversation got started :-)  (I've been putting this off and finally found my opening)
Title: Re: Celebrations Thread
Post by: brighteye on October 18, 2013, 02:27:25 AM
I paid off the final installment of my student loan and am now 100% debt free! Yay this feels goooood!
I hated the debt, although I was fortunate: the loan was interest free so I did a repayment once a year for the last 5 years and the amount was the same every time.
Now my savings rate will jump even higher to about 60%.
Title: Re: Celebrations Thread
Post by: dorkus619 on October 18, 2013, 11:06:30 AM
#1. TGIF

#2. I opened my first Vanguard account. I was limited with allocation choices bc of minimum investments being 3k for most and 1k for few. BUT soon I will be up to 3k and have more flexibility in my allocations.
Title: Re: Celebrations Thread
Post by: grantmeaname on October 23, 2013, 02:08:16 PM
I just got a job offer in London! That'll be a hit to the savings rate, but what a terrific opportunity!
Title: Re: Celebrations Thread
Post by: arebelspy on October 23, 2013, 06:23:50 PM
I just got a job offer in London! That'll be a hit to the savings rate, but what a terrific opportunity!

Congrats!  Is that for after graduation?
Title: Re: Celebrations Thread
Post by: avonlea on October 23, 2013, 06:27:15 PM
I just got a job offer in London! That'll be a hit to the savings rate, but what a terrific opportunity!

Yeah, no kidding!  Congratulations, grantmeaname!  Have you decided to accept?
Title: Re: Celebrations Thread
Post by: grantmeaname on October 23, 2013, 07:25:25 PM
Congrats!  Is that for after graduation?
It's for this summer, but in public accounting interns don't really know enough to be very productive and so they only offer internships to people they're serious about hiring. So if everything goes well it comes with a job offer at the end!
Yeah, no kidding!  Congratulations, grantmeaname!  Have you decided to accept?
It took me three tenths of a second to make up my mind! A little less room to save in the budget when my cost of living doubles, maybe, but in the long term it's well worth it. And what fun!
Title: Re: Celebrations Thread
Post by: pachnik on October 23, 2013, 07:38:42 PM
Wow!!!!  That's international experience so early in your career.  Congratulations.  You will love it in London.
Title: Re: Celebrations Thread
Post by: arebelspy on October 23, 2013, 09:43:52 PM
That's so awesome!

It took me three tenths of a second to make up my mind! A little less room to save in the budget when my cost of living doubles, maybe, but in the long term it's well worth it. And what fun!

Sure, but your savings rate will become ridiculous once you graduate and start making gobs of money, so a lower savings rate for a few months due to an opportunity like that is no big deal at all.
Title: Re: Celebrations Thread
Post by: ichangedmyname on October 23, 2013, 11:05:39 PM
I just wanted to do a celebration dance because my networth is over $10k and I only started saving when I got a job in January this year :D
Title: Re: Celebrations Thread
Post by: arebelspy on October 23, 2013, 11:35:47 PM
I just wanted to do a celebration dance because my networth is over $10k and I only started saving when I got a job in January this year :D

Well done.  It'll snowball before you know it.  :)
Title: Re: Celebrations Thread
Post by: Silvie on October 24, 2013, 02:16:37 AM
I just got a job offer in London! That'll be a hit to the savings rate, but what a terrific opportunity!

Sweet! I got a job offer in Barcelona. It's a temporary job for 6 months. I will probably be able to do some freelance translation work (my current job) on the side, so this should be good for my savings rate :)
Title: Re: Celebrations Thread
Post by: avonlea on October 24, 2013, 06:25:38 AM


It took me three tenths of a second to make up my mind!

3/10 of a second longer than it would have taken me. ;)


That's so awesome!

...A little less room to save in the budget when my cost of living doubles, maybe, but in the long term it's well worth it. And what fun!

Sure, but your savings rate will become ridiculous once you graduate and start making gobs of money, so a lower savings rate for a few months due to an opportunity like that is no big deal at all.


+1

Have a blast in London, grantmeaname!
Title: Re: Celebrations Thread
Post by: dragoncar on October 25, 2013, 03:27:06 PM
Hit $500k today.  Semi-millionaire woot woot
Title: Re: Celebrations Thread
Post by: avonlea on October 25, 2013, 03:39:19 PM
Hit $500k today.  Semi-millionaire woot woot

Wow, dragoncar!  Congrats!
Title: Re: Celebrations Thread
Post by: Russ on October 26, 2013, 04:17:35 PM
Gave myself a haircut for the first time today and IT ROCKS. I like it longer so I did it with scissors too (although the standard for dudes is much lower than for chicks, not sure I would have passed that test)
Title: Re: Celebrations Thread
Post by: pachnik on October 27, 2013, 04:35:28 PM
I sold my last designer purse today.  I made $1,400 selling a pair of bags on CL. 

Used them maybe half a dozen times in the last 10 years? 
Title: Re: Celebrations Thread
Post by: kkbmustang on October 27, 2013, 09:53:36 PM
I just got a job offer in London! That'll be a hit to the savings rate, but what a terrific opportunity!

Congrats x 1,000,000! Totally amazing opportunity! If you PM me with what firm/company, I'll put you in touch with my contacts there. So excited for you!
Title: Re: Celebrations Thread
Post by: KatieSSS on October 29, 2013, 12:44:43 PM
The position reclassification I was hoping for was approved and I got a $10,000 raise! So happy right now! Retro-active to October 1st.
Title: Re: Celebrations Thread
Post by: Another Reader on October 29, 2013, 12:59:14 PM
Congrats Katie SSS!  Those student loans are G-O-N-E!!!
Title: Re: Celebrations Thread
Post by: KatieSSS on October 29, 2013, 02:09:29 PM
Congrats Katie SSS!  Those student loans are G-O-N-E!!!

Exactly! This is the best part. The backpay I get for October should equal a serious payment towards those loans!
Title: Re: Celebrations Thread
Post by: decibelle on October 31, 2013, 08:45:12 PM
Great job, everyone!  I'd like to share that Watchmaker and I are two months into living the Mustachian lifestyle.  We have increased payments on our mortgage, car, and student loans.  In addition, we have cut down our food (restaurant + groceries) from $1400 down to $700 in September and October.  We still need a lot of work but this feels good.
Title: Re: Celebrations Thread
Post by: avonlea on November 01, 2013, 02:15:32 PM
Great job, everyone!  I'd like to share that Watchmaker and I are two months into living the Mustachian lifestyle.  We have increased payments on our mortgage, car, and student loans.  In addition, we have cut down our food (restaurant + groceries) from $1400 down to $700 in September and October.  We still need a lot of work but this feels good.

Those are some big changes. Way to go, decibelle and Watchmaker! 
Title: Re: Celebrations Thread
Post by: onFIRE on November 02, 2013, 11:15:40 PM
In the last 4 months we paid of the last $6000 of our car loan.  Every payday DH and I say "Happy Savings Day!" and in November this is starting to really be true.  Good times!
Title: Re: Celebrations Thread
Post by: ichangedmyname on November 03, 2013, 12:06:19 PM
I feel like this!
Title: Re: Celebrations Thread
Post by: ajmers on November 05, 2013, 11:27:19 AM
Called my car loan company to get the balance of my loan and it's only 5 more payments at the rate I've been paying. That will get me done almost 2 years ahead of schedule, and I'm actually thinking of just paying it all off this month and being debt-free!!
Title: Re: Celebrations Thread
Post by: decibelle on November 05, 2013, 01:02:12 PM
I feel like this!

Love this! :)
Title: Re: Celebrations Thread
Post by: kkbmustang on November 05, 2013, 09:33:48 PM
The Hubs and I are index fund people as we got burned on a little IPO business in the '90s. But not long ago we invested some of the cash we had lying around in a 401k money market (happened when they changed TPAs and we were a little slow on the uptake) in a stock I've been Jonesing to buy for like 15 years. We bought it to hold it long term, of course, but it's still pretty cool to know that we own it. Buying that was way more exciting than a pair of shoes or something. And, it's not like I can post this as a FB status, so I'm sharing here.
Title: Re: Celebrations Thread
Post by: rocksinmyhead on November 07, 2013, 09:58:05 AM
So I'm super excited about this! I would start a real thread for it but since it actually happened last month I think I found these forums too late!

Last month I passed $0 net worth for the first time since high school! Yaaaay!!!! I've wanted to share that so much you have no idea. In the real world its pretty hard to share personal finances with others so I told my wife (who said "oh hum") and I told my sister, but thats the only ones I felt like i could share it with.

My wife and I have been clawing our way back from student debt. We still owe $40k but also have $40k in retirement accounts.

I am so excited for this to happen to me!!! I am less than $5,000 away now. The bulk of my negatives/positives are also student loan debt and a 401k.

My minor mustachian excitement for the week is that yesterday I bought a plane ticket for my boyfriend to fly up to see my family for Thanksgiving (I'll be driving up a few days earlier since I get more vacation days and that way we can bring our dog)... for $2.50. Woohoo rewards credit cards!!

Also, a few weeks ago we got a sweet bonus at work and I paid off my second student loan. Still have 5 (!) to go but I rolled what I was overpaying on the paid off loan into the next highest interest one, which means I'm now paying over $1,000 a month on that one and it will be gone by next December (but actually earlier, because I'll most likely get a bonus in February too and throw that at it). Getting closer...
Title: Re: Celebrations Thread
Post by: Bruinguy on November 07, 2013, 11:21:27 PM
Just completed a trade (separate transactions) of my 10 year old SUV (16 mpg) for a 4 year old Prius (45 mpg), for only an additional $500 investment.  I'll be saving $200/mo. in gas, so I'll be "in the money" by the new year!

Thanks to the site for helping me wake up and realize my $320/mo. gas bill was not required spending!
Title: Re: Celebrations Thread
Post by: bpobst on November 09, 2013, 08:31:23 AM
I turn 25 this month. Our goal was to have my car paid off by my 25th birthday and just make minor dents in my wife's student loans. Did not make much progress in the student loans, but are now set up to knock those out very quickly.

December 2012:
Car loan ~$15,000 (~6%)
Student Loan 1 ~$20,000  (0%, something to do with my father in law being in the Air Force)
Student Loan 2 ~$15,000 (~6%)
Roth IRA - $0
My 401(k) - ~$5,500
Cash - ~$3,000

What we did:
1. I reqeusted and received a transfer to a location where my wife could get a job in March. She had been working twenty hours a week at Petsmart...Now she has a full time Architecture job
2. Used windfall from 2011 taxes to create an emergency fund.
3. We were paying down my car as much as possible.
4. At some point around August we realized we did not need it and sold it. That is that large NW increase.
5. Held on to the extra cash and saved more until October and opened up two Roth IRAs for $6,000 or $3,000 for both of us.
6. Set up auto deposits for $300 a month for both of us into the Roth IRA going forward.
7. Are now putting a minimum of $1,500 towards the student loan #2. Plus any extra, which there should be.

November 2013:
Car loan is GONE
Student Loan 1 is at $18,100
Student Loan 2 is at $13,385
Roth IRA - $6,000
My 401(k) - $11,500
Emergency Fund - $3,000
Cash - $5,000 (temporarily high, I like to keep it around $3,000 so before the end of the month I will be putting the extra towards loans)

Your Net Worth
DATES                     ASSETS                 DEBTS          NET
December 2012   $8,658.71   -$49,652.35   -$40,993.64
January 2013           $9,412.62   -$47,886.17   -$38,473.55
February 2013           $9,714.07   -$49,822.31   -$40,108.24
March 2013           $11,045.20   -$48,605.19   -$37,559.99
April 2013                   $14,748.66   -$47,485.29   -$32,736.63
May 2013                   $15,444.46   -$46,775.57   -$31,331.11
June 2013           $16,733.84   -$48,274.20   -$31,540.36
July 2013                   $15,228.44   -$44,758.15   -$29,529.71
August 2013           $16,409.72   -$42,430.02   -$26,020.30
September 2013   $21,942.55   -$33,316.56   -$11,374.01
October 2013           $24,449.88   -$32,853.07   -$8,403.19
November 2013   $25,276.35   -$32,075.62   -$6,799.27

So this celebration is more just us having a great past twelve months. I should be back in January (or February depending on how much we end up spending on Christmas travel) to celebrate $0 net worth!
Title: Re: Celebrations Thread
Post by: NinetyFour on November 09, 2013, 08:36:32 AM
Congrats on all that great progress!  Everything is going in the right direction--and for you to be making all these positive changes at such a young age portends much wealth in your future!  Keep it going!
Title: Re: Celebrations Thread
Post by: avonlea on November 10, 2013, 02:42:00 PM
Just realized that we are actually saving 47% towards retirement instead of the 40% I had calculated when first determining our savings rate.  How did I forget the HSA contributions?  FI date is still the same since I had been using HSA contributions in those calculations.  But still...Yay! (knocking at wood that there will be no broken bones or ER visits)
Title: Re: Celebrations Thread
Post by: grantmeaname on November 10, 2013, 02:48:01 PM
Alright! Are you going to trim a little bit and hit 50% for bragging rights?
Title: Re: Celebrations Thread
Post by: avonlea on November 10, 2013, 03:12:09 PM
Alright! Are you going to trim a little bit and hit 50% for bragging rights?

Yeah!  I think that's a great goal for 2014.  With college accounts included, total savings of 60%?!  I'm hyped!
Title: Re: Celebrations Thread
Post by: NinetyFour on November 10, 2013, 05:48:53 PM
I recently bought a BOB bike trailer, with the goal of schlepping my hockey gear to and from the ice rink via bicycle.  After the assembly of the trailer and a couple of tweaks to the bike, it all came together this past week.  I had a game Thursday at 9:15pm (well past dark, of course).  Packed all the hockey gear in the BOB waterproof bag, use plenty of bungee cords to strap it and the hockey stick down safely, and lit up the whole rig with three flashing lights, in addition to my handlebar mounted light and a headlamp.  Oh, and I put pieces of reflective tape on the bike's wheels as well as on the frame of the trailer.

The bike ride to the rink is only 1.5 miles (one way), but I found that it's a good way to get the legs moving and the body warmed up before a hockey game.  Also, I loved the feeling of badassness and self-sufficiency when hauling the gear by pedaling.

The weekend, I was in a tournament, which meant two trips to the rink on Saturday, and another this morning.  (Then after all the hockey, I dumped the hockey gear at home, took a much needed shower, and headed to work--on my bike, of course!)

One of the best parts was biking past my parked car about 10 times this weekend!!

Oh, I did the math (using 50 cents per mile), and it looks like it will take around 260 trips to the rink before the BOB trailer has paid for itself!!  Yikes.  But I will make that many trips during this season and next season.  Plus, I hope to use the trailer in other ways as well.
Title: Re: Celebrations Thread
Post by: JessieImproved on November 10, 2013, 07:39:19 PM
Ran errands on bike two days in a row.  I also bought a bike trailer - now currently working on getting strong enough to schlep the kids up and down hills... :-P
Title: Re: Celebrations Thread
Post by: Strawberrykiwi75 on November 12, 2013, 01:13:06 AM
My celebrations:

Getting my job at the bank and graduating my training program with a 99% final grade

Saving 60% of my take home pay

Renegotiated a new salary today, with an increase of 2.5% I've elected for it all to go to one of my superannuation schemes
Title: Re: Celebrations Thread
Post by: happy on November 12, 2013, 04:24:48 AM
Congratulations, three excellent things to celebrate.

Mine is purchasing a second hand Prius ( due to the demolition of my SUV) is saving me at least $250 a month on petrol compared to the old gas guzzler.
Title: Re: Celebrations Thread
Post by: wing117 on November 12, 2013, 06:44:17 AM
Several wins culminated today:

Paid off the car 3 years ahead of schedule today, saving me ~$2,000 in interest!
Removed car payment, reduced insurance and S.O. was able to pick up her portion of the rent again after securing a steady job - $600/mo additional savings combined!
Had the lowest electric bill, and lowest kWh/day usage ever this billing period! (18.75 kWh/day)
I'm now at 68% savings rate!

2014 is Tax Optimization Year for me. :)
Title: Re: Celebrations Thread
Post by: KatieSSS on November 14, 2013, 02:08:45 PM
Totally wasn't expecting this - but I got a bonus of $1,100! It will be a little less after taxes, but still! I didn't think I'd be included in the bonuses since I got the position reclassification that came with a pay raise.

You all know what that means - I'm throwing it all at my debt and will be DEBT FREE even sooner! Hooray! Right now I'm at about $2,700. Shave off $1,000 and I'll be at $1,700. Factor in my automatic payment of $275 later this month and I'm down to about $1,450. That will be a breeze to pay off before the new year!
Title: Re: Celebrations Thread
Post by: NinetyFour on November 14, 2013, 05:18:40 PM
Yay KatieSSS!!  Great news for you!!
Title: Re: Celebrations Thread
Post by: kkbmustang on November 14, 2013, 06:54:32 PM
Congratulations, three excellent things to celebrate.

Mine is purchasing a second hand Prius ( due to the demolition of my SUV) is saving me at least $250 a month on petrol compared to the old gas guzzler.

I hope you love your Prius as much as I love mine!
Title: Re: Celebrations Thread
Post by: kkbmustang on November 14, 2013, 06:55:58 PM
Totally wasn't expecting this - but I got a bonus of $1,100! It will be a little less after taxes, but still! I didn't think I'd be included in the bonuses since I got the position reclassification that came with a pay raise.

You all know what that means - I'm throwing it all at my debt and will be DEBT FREE even sooner! Hooray! Right now I'm at about $2,700. Shave off $1,000 and I'll be at $1,700. Factor in my automatic payment of $275 later this month and I'm down to about $1,450. That will be a breeze to pay off before the new year!

Woo hoo!
Title: Re: Celebrations Thread
Post by: dorkus619 on November 15, 2013, 08:17:47 AM
I recently bought a BOB bike trailer, with the goal of schlepping my hockey gear to and from the ice rink via bicycle....

This was exactly the motivation I need. My trip to the roller rink is 1.5 miles also! My BF and I have been trying to build a luggage rack to carry my roller derby gear on my bike. I still think I will go with a rack, unless I find a cheap used trailer. BUT it's not a safe area + my practices are at night, so I feel safer driving for now until it stays light later. Then I will cycle to derby practices as much as possible!

MY recent celebrations are:

I PAID MY FINAL VERIZON BILL. Early Termination fees were costly, but the ROI worked out to switch, using IP Daley's calc  (http://"http://www.techmeshugana.com/tools/wirelessroi.html"). First 2.5 months of Ting are basically free because of referrral/Termination Fee Help. YAY.

Also I just got back from a cushy business trip to Palm Springs CA where I had lots of fun, good food, met new people, talked about color trends!, and realized that whole city is totally unmustachian, and ridiculously unsustainable.
Title: Re: Celebrations Thread
Post by: NinetyFour on November 15, 2013, 09:42:52 AM
Good luck building the bike rack for your roller hockey gear.  That's a much more badass approach than mine (I simply ordered a BOB trailer from REI).  I have really been enjoying my trips to the rink with my trailer (6 trips so far).  One danger is that many of the hockey players drink beers in the parking lot after the game and then, of course, hop in their cars and trucks to drive home.  I'm hoping that the inebriated ones live in the other direction from where I am headed!
Title: Re: Celebrations Thread
Post by: dorkus619 on November 15, 2013, 10:12:45 AM
One danger is that many of the hockey players drink beers in the parking lot after the game and then, of course, hop in their cars and trucks to drive home.  I'm hoping that the inebriated ones live in the other direction from where I am headed!
Does your trailer hold people? haha Maybe you could tow them home.
But seriously, that's terrible that they drink and drive. eeps
Title: Re: Celebrations Thread
Post by: NinetyFour on November 15, 2013, 11:18:13 AM
Yes, it's not a great situation.  Every now and then, the city police will swing by and act menacing, but not often enough to cause any change in behavior.  Funny, now that I don't drive a car to the rink, I suppose I could have a beer now and then after a game, but I haven't had alcohol since 1/3/12 and have no plans to start up again!  (Another reason for celebration!)
Title: Re: Celebrations Thread
Post by: cheeselover91 on November 20, 2013, 10:52:55 AM
Well I just completed a major Mustachian accomplishment. Rode my bike to work this morning! 7.8 miles, with an embarrassing 80 minute ride time. I told my mom there are two things aren't going to work; the bike and the bike trail. The bike was a freebie from my dad's shop; pumped up the tires but gears are going whacko on me and it weighs like 500 lbs. Not really, but it felt like it when I lifted and dragged the bike under 500 fallen TREES on the bike trail! Thanks to a nice storm that just came through.

Going home I'll just take the bike trail the first mile with only 1 fallen tree. Then backroads. I'm sure this will make things a lot easier.

I was a little concerned about getting cold and had about 3 layers everywhere, but with the combined strength/cardio of the bike trail I got too hot and took off one pair of gloves and my under-helmet stocking cap. My feet did get a little cold, but not unbearably so. Might stick some toe warmers down there when the temperature drops.
Title: Re: Celebrations Thread
Post by: jrhampt on November 21, 2013, 08:48:09 AM
I somehow managed to get three (!) different raises this year without switching employers.  Total increase: $22k.  Total effort: one new master's degree (paid for by employer) and some negotiation.  My mind gets blown every time I get a raise.  We are already maxing out the 401ks and investing in taxable accounts, but we doubled our mortgage payments several months ago and are adding another $1k per month starting in December.  We should have the house paid off in another 2.5 years if we keep up this payment schedule...just on time to hit FI.
Title: Re: Celebrations Thread
Post by: NinetyFour on November 21, 2013, 09:07:01 AM
Wow.  That is awesome. 

My income should also increase during the next couple of years, and I hope I will have the discipline to put all of the extra money towards debt, and not inflate my lifestyle!
Title: Re: Celebrations Thread
Post by: earlybird on November 25, 2013, 06:12:49 PM
Today I turned in my resignation at work. My last day is 4 weeks from today, 12/23. I am retiring at age 49 after working since I was age 14.  It was quite funny to see the expressions on my coworkers' faces. Some were in total disbelief that I was retiring and not just quitting to find a new job. Others were happy for me but still didn't quite understand. Me, I am just quietly ecstatic! Yay Me!!!
Title: Re: Celebrations Thread
Post by: arebelspy on November 25, 2013, 07:02:39 PM
Today I turned in my resignation at work. My last day is 4 weeks from today, 12/23. I am retiring at age 49 after working since I was age 14.  It was quite funny to see the expressions on my coworkers' faces. Some were in total disbelief that I was retiring and not just quitting to find a new job. Others were happy for me but still didn't quite understand. Me, I am just quietly ecstatic! Yay Me!!!

Hell yeah!  Way to go!
Title: Re: Celebrations Thread
Post by: happy on November 25, 2013, 11:04:13 PM
Big congratulations!...let us know how it is "on the other side"  :) OK?
Title: Re: Celebrations Thread
Post by: earlybird on November 26, 2013, 05:36:48 PM
Thanks so much! I can't tell you how free I'm already feeling knowing I have so few work days left. :-) 
Title: Re: Celebrations Thread
Post by: footenote on November 26, 2013, 05:47:50 PM
Today I turned in my resignation at work. My last day is 4 weeks from today, 12/23. I am retiring at age 49 after working since I was age 14.  It was quite funny to see the expressions on my coworkers' faces. Some were in total disbelief that I was retiring and not just quitting to find a new job. Others were happy for me but still didn't quite understand. Me, I am just quietly ecstatic! Yay Me!!!
Early Bird gets the Early Retirement ... Goodies! You are badass - congratulations and keep us posted.  : ))
Title: Re: Celebrations Thread
Post by: Strawberrykiwi75 on November 27, 2013, 11:57:48 PM
Today I turned in my resignation at work. My last day is 4 weeks from today, 12/23. I am retiring at age 49 after working since I was age 14.  It was quite funny to see the expressions on my coworkers' faces. Some were in total disbelief that I was retiring and not just quitting to find a new job. Others were happy for me but still didn't quite understand. Me, I am just quietly ecstatic! Yay Me!!!


AMAZING!! Congratulations, that fantastic!
Title: Re: Celebrations Thread
Post by: zinethstache on November 28, 2013, 11:33:44 PM
Aw earlybird.... I sure hope to be following in your footsteps! Congrats, I will definitely be looking for post ER updates from you:)
Title: Re: Celebrations Thread
Post by: JessieImproved on December 02, 2013, 11:52:09 AM
Socked away $2700 and $400 in mortgage prepayment in November!  w00t!
Title: Re: Celebrations Thread
Post by: ajmers on December 03, 2013, 08:55:25 AM
Just sent in the check to finish off my car payments 2 years early! Debt-free! :)
Title: Re: Celebrations Thread
Post by: RobertBirnie on December 06, 2013, 12:12:59 PM
I've officially gone two weeks without starting the car. Been going bike only to work! Now the only issue is that my car seems to have a slow drain on the battery, its now dead and I need to find time to jump it with the wife's car. :D
Title: Re: Celebrations Thread
Post by: Emerald on December 06, 2013, 01:00:33 PM
I've gained an extra 10% in home equity this year with extra house payments.
Title: Re: Celebrations Thread
Post by: bjmoore on December 08, 2013, 01:06:19 PM
What's up fellow badasses!  Long time lurker, first time poster.  Just wanted to share some celebration about recent steps towards my FI!

Two months ago my wife and I finished off our last car and credit card payments and went completely debt-free!  We have been on a 12-month plan to eliminate debt, and finished in 8 months.  We own our home, so we are now saving big bucks for early retirement.

This month, I kept on the full-court pressure by making some painful cuts that acknowledge the wastefulness of our former selves:

We also challenged ourselves (former couple-time-per-week restaurant eaters) to cook at home every day this week and met our goal.

Next month will begin the month-long bike to work challenge (why did I decide to start that in January!!)

With these simple changes, I hope to be saving about 50% of my current take-home salary!

Wish us luck!
Title: Re: Celebrations Thread
Post by: CU Tiger on December 09, 2013, 01:33:34 PM
At the beginning of the year I was putting 15% of my salary in the 401k. That was already up from the 10% I had saved before. Now I am saving 25% of my salary and as of now, my 401k balance is higher than my annual salary.
I realize that a lot of that is because the markets have done well this year, and all those shares I bought at lower prices are worth more...but seeing that number is still nice.

We also save a LOT out of my husband's salary, when you add it all up I think we save 40%. Once February rolls around and we have the house paid off, we are going for >50% savings.
Title: Re: Celebrations Thread
Post by: KatieSSS on December 13, 2013, 09:16:46 AM
I am debt free as of this morning :) Worth a post in the celebrations thread!

Happy dance!
Title: Re: Celebrations Thread
Post by: arebelspy on December 13, 2013, 09:26:52 AM
I am debt free as of this morning :) Worth a post in the celebrations thread!

Happy dance!

Huzzah!
Title: Re: Celebrations Thread
Post by: grantmeaname on December 13, 2013, 09:28:52 AM
Alright! What's next?
Title: Re: Celebrations Thread
Post by: KatieSSS on December 13, 2013, 10:02:10 AM
Alright! What's next?

Getting my e-fund up to 6 months of expenses, then up my retirement contributions. After that, not entirely sure! I'm going to start looking into home ownership. Pros/cons, etc. And evaluate if that is what I really want.
Title: Re: Celebrations Thread
Post by: maryofdoom on December 16, 2013, 08:56:58 AM
OMG YOU GUYS.

So my job got reclassified from being exempt (and work-from-home-able) to non-exempt (and an hour commute away, each way). As this situation is mostly intolerable, I started applying for new jobs, with proximity to home and interesting work being the main criteria - and I just found out, I got an awesome new job, doing awesome new things, at an awesome place that's ten minutes away from my house! I will go from a 20-mile, hour-long commute, with parking to pay for at the end as an extra kick in the pants, to a ten-minute, single-traffic-light, completely bikeable commute!

I'll be talking with my new boss later today to figure out details like salary, and benefits, and all of that, but I am quite honestly most stoked about working only ten minutes away. HOORAY!!!
Title: Re: Celebrations Thread
Post by: arebelspy on December 16, 2013, 10:47:30 AM
OMG YOU GUYS.

So my job got reclassified from being exempt (and work-from-home-able) to non-exempt (and an hour commute away, each way). As this situation is mostly intolerable, I started applying for new jobs, with proximity to home and interesting work being the main criteria - and I just found out, I got an awesome new job, doing awesome new things, at an awesome place that's ten minutes away from my house! I will go from a 20-mile, hour-long commute, with parking to pay for at the end as an extra kick in the pants, to a ten-minute, single-traffic-light, completely bikeable commute!

I'll be talking with my new boss later today to figure out details like salary, and benefits, and all of that, but I am quite honestly most stoked about working only ten minutes away. HOORAY!!!

Nice!

That's awesome, way to go!
Title: Re: Celebrations Thread
Post by: Rural on December 17, 2013, 03:42:32 AM
OMG YOU GUYS.

So my job got reclassified from being exempt (and work-from-home-able) to non-exempt (and an hour commute away, each way). As this situation is mostly intolerable, I started applying for new jobs, with proximity to home and interesting work being the main criteria - and I just found out, I got an awesome new job, doing awesome new things, at an awesome place that's ten minutes away from my house! I will go from a 20-mile, hour-long commute, with parking to pay for at the end as an extra kick in the pants, to a ten-minute, single-traffic-light, completely bikeable commute!

I'll be talking with my new boss later today to figure out details like salary, and benefits, and all of that, but I am quite honestly most stoked about working only ten minutes away. HOORAY!!!

Congratulations!
Title: Re: Celebrations Thread
Post by: toodleoo on December 18, 2013, 07:09:44 PM
I'm in a career where I take a series of very hard exams to obtain a fellowship in my career path (actuary). We also get raises for passing the exams. I just found out today that I passed another exam, which means a $2,500 raise! It's also retroactive back to when I took the exam (late October). Will be celebrating by bumping up the 401(k) contribution! And maybe a rare dinner out.
Title: Re: Celebrations Thread
Post by: justchristine on December 20, 2013, 04:09:25 AM
After several years of cost of living raises, I was pleasantly surprised to get a 6% raise for next year.
Title: Re: Celebrations Thread
Post by: JessieImproved on December 20, 2013, 04:52:45 AM
After several years of cost of living raises, I was pleasantly surprised to get a 6% raise for next year.

Congrats on the raise!  DH just got a 7% raise (and a promotion)!

But my BIG accomplishment this month is over 6k in savings!  I maxed out my IRA and about 60% of DH's IRA!  I project we'll max out his IRA in January, and after that it's tackling our second mortgage@9% until the tax year rolls around (and we can contribute to IRAs again).
Title: Re: Celebrations Thread
Post by: grantmeaname on December 20, 2013, 05:09:14 AM
You can contribute to 2013 or 2014 IRAs for the first four months of 2014.
Title: Re: Celebrations Thread
Post by: JessieImproved on December 20, 2013, 05:15:39 AM
You can contribute to 2013 or 2014 IRAs for the first four months of 2014.

Well I just learned something today.  Luckily Vanguard tells you how much you have left to contribute, so I probably would have been pleasantly surprised when I went in there in January.
Title: Re: Celebrations Thread
Post by: fecklesslayabout on December 20, 2013, 06:34:25 AM
I know this is chump change to most of you, but I'm pretty excited: my savings and investments are now worth $25,000! That's $1,000 for every year I've been alive. :) I should be able to hit $30,000 in a couple of months, and that's almost one third of the way to $100,0000, which is one third of the way to FI if I stay where I'm living now!
Title: Re: Celebrations Thread
Post by: Russ on December 20, 2013, 06:08:27 PM
Got my first dividends today! +$100 to the investment accounts :-)
Title: Re: Celebrations Thread
Post by: Mitch76 on December 21, 2013, 06:10:10 AM
I had a goal of saving up a £50k stash by the end of this this year, and I've just made it! It's taken us 21 months (since paying off our mortgage, which was our previous big goal). My next target is hitting £100k by my 40th birthday, which is 27 months away - not as easy as it appears as I've recently had to take a 25% pay cut, plus we've got a second baby on the way, but I'm starting to flex my newly acquired frugality muscles so we should do well :)
Title: Re: Celebrations Thread
Post by: arebelspy on December 21, 2013, 06:48:02 AM
I had a goal of saving up a £50k stash by the end of this this year, and I've just made it! It's taken us 21 months (since paying off our mortgage, which was our previous big goal). My next target is hitting £100k by my 40th birthday, which is 27 months away - not as easy as it appears as I've recently had to take a 25% pay cut, plus we've got a second baby on the way, but I'm starting to flex my newly acquired frugality muscles so we should do well :)

Well done.  :D

I'd bet you'll make your next one too.  You can do it if it's important to you, and clearly this goal was.
Title: Re: Celebrations Thread
Post by: ajmers on December 22, 2013, 10:12:55 AM
In 2013 I cut my spending on clothing by HALF compared to last year!
Title: Re: Celebrations Thread
Post by: dorkus619 on December 23, 2013, 11:16:04 AM
A couple months ago I switched up my strategy a bit. As I have no debt except the mortgage and I'm paying some ridiculous PMI crap (I was young and uneducated when I bought my house), my goal is go pay down the mortgage ASAP to eliminate the ~$121/month mortgage insurance payment.

In November I put an extra $300 towards the Principal. In December I put $615! I'm hoping to keep up with  $600-700/month extra (on top of the $931 payment). Which is A LOT for my paycheck.
Title: Re: Celebrations Thread
Post by: captainawesome on January 03, 2014, 05:56:58 AM
2013 was a significant turning point in my life. Wife lost her job nov 2012 right after we got married (the day we got back from the honeymoon). We went from a very comfortable DINK situation to living off my income, which should have been enough given my salary (somehow we were still tight on money). It wasn't until I found this blog that I saw the error in my ways. Fast forward one year: sold the jeep, bought a mazda3 in cash, my wife's student loans will be paid off as of the 15th of this month. Increased our savings rate to around 50-55%, converted my Roth IRA to vanguard, switched cell phone providers, bought a commuter bike just yesterday off craigslist and will bike to work 4 days a week (9 miles each way), AND got my wife on board with all of these changes. She fought me at first, and it wasn't until recently that she realized we had no debt, her student loans would be gone, and we were putting away a significant amount of money each month. She's even on board with purchasing a cheaper, fuel efficient car when her lease is up in May. Thanks to all of those who have helped along the way
Title: Re: Celebrations Thread
Post by: SunshineGirl on January 03, 2014, 08:59:58 AM
Nice job, captainawesome!
Title: Re: Celebrations Thread
Post by: arebelspy on January 03, 2014, 10:58:43 AM
Nice!  You may be up for a promotion to majorawesome soon.
Title: Re: Celebrations Thread
Post by: bateloomer on January 03, 2014, 11:53:11 AM
Congratulations, three excellent things to celebrate.

Mine is purchasing a second hand Prius ( due to the demolition of my SUV) is saving me at least $250 a month on petrol compared to the old gas guzzler.

I hope you love your Prius as much as I love mine!
\

That's how much I save in gas now too.  I spent $1500 on gas to drive 20k last year.
Yes - buy a Hybrid used!
 
Title: Re: Celebrations Thread
Post by: MMMdude on January 05, 2014, 02:34:24 PM
So in updating my year end net worth calcs, I realize that with the value of my paid off home I am now a millionaire.  Doesn't really do much for me - perhaps makes me abit depressed as I am only half way there.  I don't think I will consider ER until I have $2mil net worth which would be about $400k in home and rest in investments.  I think many on here are unrealistic about what they may need...especially when it is a virtual lock that we will go through another 2008 meltdown at some point.  For those planning on retiring with 600, 700k etc, how can you possibly survive losing 40% of such a portfolio?
Title: Re: Celebrations Thread
Post by: arebelspy on January 05, 2014, 03:12:57 PM
So in updating my year end net worth calcs, I realize that with the value of my paid off home I am now a millionaire.  Doesn't really do much for me - perhaps makes me abit depressed as I am only half way there.  I don't think I will consider ER until I have $2mil net worth which would be about $400k in home and rest in investments.  I think many on here are unrealistic about what they may need...especially when it is a virtual lock that we will go through another 2008 meltdown at some point.  For those planning on retiring with 600, 700k etc, how can you possibly survive losing 40% of such a portfolio?

That's a discussion for another thread.

Congrats on joining the 7-figure club!  :)
Title: Re: Celebrations Thread
Post by: Able was I ERE on January 06, 2014, 04:38:29 AM
Requested a pay cut / hours reduction at my day job (to 80%/4 days a week), but still plan to have a savings rate of >50%.
Title: Re: Celebrations Thread
Post by: limeandpepper on January 06, 2014, 07:23:45 AM
A bit late to mention this, but I reached my net worth goal for last year. Wasn't sure if I was going to make it with the market fluctuations towards the end of the year, but I did, hurrah! Now to tackle my next net worth goal before I quit my job for my sabbatical later this year.
Title: Re: Celebrations Thread
Post by: jjquantz on January 14, 2014, 12:10:48 PM
Requested a pay cut / hours reduction at my day job (to 80%/4 days a week), but still plan to have a savings rate of >50%.

Similar situation here.  Thanks to having sufficient resources at hand, I have asked to reduce my status in the office to 60%/3 days a week over the next 3 months.  Even better, my wife was the one who urged this after I updated her on our financial status.
Title: Re: Celebrations Thread
Post by: rocksinmyhead on January 15, 2014, 09:15:25 AM
Holy shit! I don't know how this milestone passed without me noticing, since I have been waiting a long time, but I finally crossed over into positive net worth!!! About $4400, actually. I'm so excited!!!!!!!!!! (And I love having this forum to share that excitement, haha.) Now I just have $32,700 of student loans left to pay off... hopefully I can do that by the end of 2014!
Title: Re: Celebrations Thread
Post by: NinetyFour on January 15, 2014, 09:18:15 AM
Yay for you, oscarsmom!!  Nice job!  Good luck killing that student loan debt!!
Title: Re: Celebrations Thread
Post by: gazzamatic on January 15, 2014, 01:51:24 PM

Way to go oscarsmom, that's a very significant milestone!
Title: Re: Celebrations Thread
Post by: sol on January 16, 2014, 06:07:19 PM
I've officially gone two weeks without starting the car. Been going bike only to work! Now the only issue is that my car seems to have a slow drain on the battery, its now dead and I need to find time to jump it with the wife's car. :D

I know I'm over a month late on this comment, but I think having your car battery die from lack of use is a significant milestone.  When that first happened to my car, it was like a little light bulb went off over my head.  You mean I could turn that useless hunk of metal into thousands of dollars, and not have to worry about driving it periodically just to keep the tires from getting lopsided? 

Sold it the next month, pocketed the money and never looked back.  I lived carless for about a year until I got married and I've never felt so free. 

If you drive less than once a week and live in a major city, you can almost assuredly save money on transport by getting a zipcar membership and paying for occasional bus rides or even taxis.  Ditch that boat anchor.
Title: Re: Celebrations Thread
Post by: fat bruce lee on January 16, 2014, 07:33:59 PM
Found MMM in April of last year.  My net worth increased by by 34%, but more importantly hit my goal of sacking away 66% of my pay for the year.  Also eliminated all my debt within 2 months of discovering the site.
Title: Re: Celebrations Thread
Post by: FunkyStickman on January 16, 2014, 07:49:58 PM
I've been looking for a bike for my wife recently... found a $550 electric bike at Sam's, marked down cause it was a floor model... for $125.

Even if she doesn't want it, I can flip it for twice the money without blinking. Unbelievable.
Title: Re: Celebrations Thread
Post by: horsepoor on January 18, 2014, 08:42:31 AM
I'm pretty excited about some of the things I've put into action since finding MMM a few weeks ago:

Switched from Verizon to Republic - $45/month savings
Will be dumping my gym membership $18/month savings
Shopped new car insurance $25ish/month savings

Signed up for Mint and put the app on my phone.  On track to stay well below the $400 food budget I set for January, while it looks like I spent more like $700+ in December.  Have only spent $21 eating out this month.

Will have my credit card, which was at $3500 last month, paid in full next week.  Well ahead of when the 0% APR expires.  About half of the payoff is from an unexpected bonus at work, but the old me would have used at least part of it to splurge on STUFF instead of addressing the debt.

Looked at how to game my other credit cards and picked up a card with 5% cash back on gas and groceries for first 6 months.  Will probably get the Sapphire card with the $400 bonus and use it to pay for our planned landscaping project (repay the balance immediately, of course).  Figured out a better way to use the rewards on my Discover Card, which I do not carry a balance on, but take advantage of the rotating 5% rewards categories (e.g. $45 in cash back is good for a $50 Lowe's gift card; I'd been squandering over 10% of the rewards by using them as credit on my Amazon purchases).

Increased my TSP withholding from 5% to 10%.  Just happens that the stock market pushed it into the 6-figure range in the last month or so too, which is so nice to see, if way late to the party.

Sold about $800 worth of crap on Amazon, Ebay and Craigslist, and finally filed the papers to get the miniscule retirement payout my mother left me.  Paid for my Craigslist weight set out of that, and on the lookout for a rowing machine, but being strict about paying for it only with "found" money, not my paycheck.
Title: Re: Celebrations Thread
Post by: arebelspy on January 18, 2014, 09:27:50 AM
That's an awesome list of changes, way to go horsepoor!
Title: Re: Celebrations Thread
Post by: soccerluvof4 on January 18, 2014, 11:06:24 AM
Biggest accomplishments thus far is finding this blog and figuring out how to log on!! Now have to figure out how to use these boards so I can fly around a bit. I Started from the beginning of the blog and have read a couple months already. Good Stuff!
Title: Re: Celebrations Thread
Post by: Victorious Secret on January 18, 2014, 11:52:19 AM
I got my student loans 100% paid off.  Such a relief to finally be out of debt!  I definitely couldn't have done it so fast without this awesome blog and forum.  Time for some home brews to celebrate :-)
Title: Re: Celebrations Thread
Post by: sol on January 18, 2014, 03:23:51 PM
Reading the 4% thread (http://www.mrmoneymustache.com/forum/welcome-to-the-forum/use-the-4-rule-now-(pre-retirement/msg189593/#msg189593) just made me realize that (according to our household year-end accounting) our assets should now cover all of our living expenses, except for our housing costs.

One way of looking at this milestone: we're FI if we move into a van!

Another way:  from here on out, we only have to work long enough to buy a house.

My preferred way:  we're like halfway there, assuming the market doesn't crash.  Which it will.  So maybe less than halfway.  Maybe better to just not think about it too much just yet.
Title: Re: Celebrations Thread
Post by: soccerluvof4 on January 22, 2014, 01:33:02 PM
In the last week +/- I have read from the beginning to almost a full year so much to go. I felt comfortable with our financial position to stop our 3 Term life insurance polices, cut my cable bill in half (going to wean of a bit then hatchet off the rest) and my Home insurance policy is up so doing some more shopping on that before the February 5th due date. Anyhow have shaved off $216.50 a month so far and expecting from comments of Insurance agents to save 200-500$ on Homeowners/Auto/toy/bundle.

We have along ways to go with more savings as opposed to increased income worries as we have two paid for homes, toys etc... I already sold a couple of snowmobiles to help pay for a must do renovation to our Master Bathroom without touching Savings/Investments. Decided to sell my cabin in the woods since 4 hours away and I only get there now once a year and its paid for so invest money in something that makes me money since will be at least 10 years before I could enjoy it again at its full capacity with 4 kids in sports.

So monies saved, monies earned and a lot of solid decisions made!

Keep getting rid of the waste to not have to worry about so much clutter!
Title: Re: Celebrations Thread
Post by: NinetyFour on January 22, 2014, 03:54:39 PM
Wow--those are some really important changes!  Congrats!
Title: Re: Celebrations Thread
Post by: soccerluvof4 on January 24, 2014, 02:20:34 PM
Well the results are in from all my Home Owners Insurance policies and I saved 550$ annually but this is on 2 homes , one of which We are going to sell since its paid for and we only get up to it once or twice a year. Rather take the loss now since I know it will be 10 years before I could appreciate it the way i once did. Once i sell it between property taxes, maintenance etc.. I will save at least 10k a year so i will quickly make back any loss i take and at a very minimum put 325k back to work for myself.
Title: Re: Celebrations Thread
Post by: soccerluvof4 on January 30, 2014, 12:53:22 PM
Saving another 175$ a month as i cancelled the families membership to the gym. We have an eliptical ,weights and bike at home so no need. Also raised my 401k from 6% contribution to 8%.
Title: Re: Celebrations Thread
Post by: jordanread on January 30, 2014, 04:43:04 PM
Just introduced myself in that thread, and made it clear that I suck because some major room for improvements are based on crappy decisions I continue to make on a daily basis.
However, things are going well, just not as well as they could be if I was a better person :-).
My little milestones:
They are little, but I'm glad I found this thread, since I have a tendency to focus on what to do next, and minimize what I've done, even if it's awesome...so thanks for this.
Title: Re: Celebrations Thread
Post by: Mortgage Free Mike on February 06, 2014, 08:56:03 AM
A few things to celebrate! I've blogged about these as well:

- Saved $87/year on my auto insurance by taking a defensive driving course. The discount will last for 3 years.

- Saved $75/month by dumping Verizon for Republic Wireless. So far, I'm loving my Moto X phone and I don't miss my iPhone one bit.

- Saved $20/month on internet just by asking AT&T's loyalty department if they could help me out.


Title: Re: Celebrations Thread
Post by: Murph on February 06, 2014, 01:38:21 PM
Warning: Mustachians will cringe while reading this.

Today is my last day at a job that I've been commuting to for the last 7 months. It was 84 miles each way in moderate to heavy traffic and I did it 3 days a week. I worked from home the other two. My new job is a mere 5 miles away.

Here is what the switch is costing me:

Here is what the switch is saving me:

Though I may regret the financial consequences in the near future, I am truly happy knowing that the horrible commute is no longer part of my life. I can be a lot more productive when I'm not spending 48 hours per month in a car.
Title: Re: Celebrations Thread
Post by: arebelspy on February 06, 2014, 02:19:17 PM
Congrats Murph!  That's awesome.
Title: Re: Celebrations Thread
Post by: train_writer on February 07, 2014, 08:25:30 AM
Several goals accomplished that will save me money and time:

- Getting my driving license means I save money on lessons (Europe..) and will save money at work, because using the business cars comes with food allowance (crazy, because I used to use transit which did not include that allowance)

- 250 euros raise! Which means I will have my goal of FU-money saved up & invested in April*.

*5 years of expenses for the 2 of us

- The garden delivered carrots and beetroots in this warm winter :D
Title: Re: Celebrations Thread
Post by: nicknageli on February 07, 2014, 08:29:51 AM
- 250 euros raise! Which means I will have my goal of FU-money saved up & invested in April*.

*5 years of expenses for the 2 of us

"FU-money"  (http://www.vwvortex.com/Anthony/Smilies/thumbup.gif)
Title: Re: Celebrations Thread
Post by: Jomar on February 07, 2014, 11:29:03 AM
I started reading MMM November 11 of 2013. Prior to that I ate out for lunch at least 3 times a work week, often every work day. Since then, I haven't eaten out a single time. Not once. I figured out that I've had 57 work days since then. If I had eaten out only two thirds of those days (a conservative estimate), I'd have spent around $300 on meals! My packed lunches likely come in at a cost of $1 to $1.50. So it's maybe cost me $50 to replace $300 of meals. And I feel so much healthier for it!
Title: Re: Celebrations Thread
Post by: windawake on February 07, 2014, 01:07:58 PM
I just did my taxes today and found out I'll have a nice $1,800 return coming my way! It'll be put towards a down payment or opening my first Vanguard account, pretty excited!
Title: Re: Celebrations Thread
Post by: SCBMMM on February 09, 2014, 04:01:53 PM
New to this site and love this thread..
happy because....
getting rid of the dumb cable once and for all last week.. land line that I never used gone as well..(company pays for cell phone so no phone bill at all!)

have about two more months to go on house then done with the mortgage....  pretty much debt free after that.. wow.. feels strange to say that..

Title: Re: Celebrations Thread
Post by: SunshineGirl on February 10, 2014, 08:51:35 AM
New to this site and love this thread..
happy because....
getting rid of the dumb cable once and for all last week.. land line that I never used gone as well..(company pays for cell phone so no phone bill at all!)

have about two more months to go on house then done with the mortgage....  pretty much debt free after that.. wow.. feels strange to say that..

EXCITING!!
Title: Re: Celebrations Thread
Post by: skyst3alth on February 14, 2014, 08:30:40 AM
Opened my first taxable account this morning, felt really good.

This time last year I was $30k in debt between CC's, car loan and student loans and was only saving 6% in my 401k at work spending the rest on god knows what.

Squashed all that debt (still have one student loan - $4,900 but at 1.75% so i'll hang onto it for now).  Emergency fund is fully funded, 401k is set to be fully funded, just maxed my Roth IRA for the year, opened a HSA account through work, and i'm still finding tons of money to throw into taxable accounts.  Looks like i'm now saving ~65% of my income and it really wasn't even that hard. 

Goal is $100k net worth by the end of the year and looks to be totally doable.

Life is lookin' real good.  Thanks MMM!
Title: Re: Celebrations Thread
Post by: rocksinmyhead on February 14, 2014, 09:23:26 AM
today we got our merit raises and bonuses for the year. mine was more than expected (but then again I try to keep my expectations super low for these things) and I'm SO excited about what I'm going to be able to do with it... I'll be able to pay off 3 student loans ASAP with the bonus (which will mean I'm only dealing with one servicer instead of 3... yesssssss), and I'm hoping with the raise and improvements in Mustachianism I'll be able to pay off the last 2 by year end, even though this year I'm also maxing my 401k for the first time (thanks to advice from this forum). AHH SO EXCITED!!!! :)
Title: Re: Celebrations Thread
Post by: horsepoor on February 14, 2014, 10:29:37 AM
Small compared to the above, but I just got my first earnings statement after bumping my TSP contribution from 7% to 10%.  Take-home pay only dropped by about $90, which I'll barely notice.  I really don't need to contribute more than 7 to 10% when factoring in my pension, so now I can focus on firing up the taxable accounts.
Title: Re: Celebrations Thread
Post by: nicknageli on February 14, 2014, 10:50:19 AM
Looks like i'm now saving ~65% of my income and it really wasn't even that hard. 

Goal is $100k net worth by the end of the year and looks to be totally doable.

Life is lookin' real good.  Thanks MMM!

Very cool.  (http://www.vwvortex.com/Anthony/Smilies/thumbup.gif)
Title: Re: Celebrations Thread
Post by: RMD on February 17, 2014, 07:51:54 PM
Back on the bring my lunch wagon.  I never used to buy lunch and around 4 years ago started bringing occasionally...well, that got out of hand fast!  This month I have brought lunch every day and am very pleased!  (Also lost a couple pounds!)

Ran some numbers this morning and retirement and investment accounts now total (a touch) more that $250,000. Surprise! 
Title: Re: Celebrations Thread
Post by: DaKini on February 18, 2014, 02:12:50 AM
Congratulations everybody before me!

I am proud that i now can announce a "mini" milestone myself.
Yesterday my wife showed up behind me sitting at our computer while i just finished typing in our current bills and receipts.
That gave me the opportunity to show her some overall picture reports (some nice graphs etc) and was able to concisely show her our results of the past 8 months where is started tracking expenses and optimizing our fincancial life.

I was quite impressed myself as i did not evaluate this "bigger picture" for quite a while.

The most exciting and important two insights where, however:

Holy cow, im quite impressed and very euphoric! What big difference such small steps yould yield... Its really impressing to see such changes in only 8 months time!
Title: Re: Celebrations Thread
Post by: happy on February 18, 2014, 04:41:10 AM
Well done DaKini, thats awesome. Amazing what results are achieved with a bit of positive attitude and action! And you realise that just by changing a few habits, in quite a gentle fashion, what a big difference it makes.

When I started within a few months of gentle change, I was at 50% savings, and another 6 or 7 months down the track I realised I could cut my  part -time work hours further, by 28%, and semi-retire and still save 50%.

My reason for celebrating is that I just invoked FU money for the first time in my 55 years. I'd organised 5 weeks long service leave and at the last minute one of the big bosses didn't approve it and I had a choice, either come back to work or take leave without pay. Pretty quickly I decided the time off was more important, and even though I am now 5 weeks with no income, I can manage, and even thrive. So I politely said LWOP please, but in my head it was "Yeah, I've got FU money,  and I am so using it".    Of course I still have expenses, so there will be a cost, but since my financial house was in order I knew exactly what I could do and how to do it.  I also have been thinking about interval working.. thats tricky in my job, so this gave me the chance to try it out, since I will still have the leave for another time.
Title: Re: Celebrations Thread
Post by: Silvie on February 18, 2014, 01:47:55 PM
My 2 milestones are:

I doubled my income. I moved to Spain for a temporary job, a full-time position. Before, I was a freelancer in Holland and I'm trying to keep freelancing here in Spain.

Because of this, I was able to pay off 2,000 euros of a 20,000 personal loan from my dad. 10% in only 5 weeks since I moved to Spain! My savings rate is much higher now too. I didn't calculate it yet, but it's at least 60%, as I divide my salary from my full-time jobs equally between paying off my debt and savings, and do the same for a large amount of my freelance income, after I've paid for housing, utilities, etc.
Title: Re: Celebrations Thread
Post by: jordanread on February 20, 2014, 10:18:33 AM
I think this post gave a handlebar...however, posting to mention that my number of posts went up kind of seems weird, but I'm doing it anyway. 100 posts!!
Title: Re: Celebrations Thread
Post by: Elaine on February 20, 2014, 10:53:09 AM
I hit just over 30k net worth this month!
Title: Re: Celebrations Thread
Post by: ichangedmyname on February 23, 2014, 12:58:51 PM
This time last year I had zero savings and no investments. Right now my investments (401k, IRA and stocks) are at $7500. I like watching it go up each month especially since I just started automatic investing this year.
Title: Re: Celebrations Thread
Post by: sheepstache on February 23, 2014, 07:14:37 PM
Requested a pay cut / hours reduction at my day job (to 80%/4 days a week), but still plan to have a savings rate of >50%.

Can never get over how much I like guy's username.



My first taxable account, which I started at the end of 2012, is now Admiral shares!
Title: Re: Celebrations Thread
Post by: FiveSigmas on February 23, 2014, 11:01:27 PM
My first taxable account, which I started at the end of 2012, is now Admiral shares!

And I always get a kick out of your Avatar. It's particularly fitting for this post. Yusss!
Title: Re: Celebrations Thread
Post by: Zaga on February 27, 2014, 06:08:54 PM
Today we reached $200K in retirement accounts.  $100K was reached in January of 2012, so that's just 2 years and 1 month to double, wow!
Title: Re: Celebrations Thread
Post by: nicknageli on February 27, 2014, 07:30:06 PM
Today we reached $200K in retirement accounts.  $100K was reached in January of 2012, so that's just 2 years and 1 month to double, wow!

(http://www.vwvortex.com/Anthony/Smilies/thumbup.gif)
Title: Re: Celebrations Thread
Post by: Stackfault on February 27, 2014, 08:55:29 PM
I remember how hard it was to save that first $10,000 in my 20's.   It seemed like it took forever.   Twenty years later, I've reached two milestones this month: $1.8 million net worth and $1.5 million investable (difference being the paid-off house).

I think it's like growing a tree: not much to see on a monthly basis but over time...wow!

Stick with it Mustachians! 
Title: Re: Celebrations Thread
Post by: JuSp02 on February 28, 2014, 09:46:21 PM
We hit two major milestones this month!! We reached $100,000 in assets (only counting cash, retirement accounts, and mutual/index funds). At the same time, we finally broke into the negative five figures for our net worth (our student loans are ridiculous). We're still a long ways from zero net worth, but we're getting there.
Title: Re: Celebrations Thread
Post by: arebelspy on March 01, 2014, 08:03:23 AM
We hit two major milestones this month!! We reached $100,000 in assets (only counting cash, retirement accounts, and mutual/index funds). At the same time, we finally broke into the negative five figures for our net worth (our student loans are ridiculous). We're still a long ways from zero net worth, but we're getting there.

Awesome!  :D

Those are two great milestones.
Title: Re: Celebrations Thread
Post by: Cherry Lane on March 01, 2014, 08:22:06 AM
I closed my mortgage refinance this morning, to a 10-year fixed-rate loan at 2.39%!  (I had 16 years left on my previous loan.)  This is significant for two reasons:
1.  I'll fully own my house in 10 years (or less, though at that low rate I don't think I want to prepay much)
2.  Compared to my previous loan, I'll save $88,000$45,000 in mortgage interest over those 10 years

(correction:  mathy error.   oops!  still a nice amount)
Title: Re: Celebrations Thread
Post by: NinetyFour on March 01, 2014, 09:04:57 AM
Nice job, Cherry Lane!!

My celebration for today is that my cash plus investments (retirement funds, Roth, inherited IRA) have exceeded $300,000 this week!

Also, since 9/14/13 (when I first started keeping track of all this), my cash plus investments amount has increased $41,000 and my total debt has decreased $13,000.  Yay--both going in the correct direction!
Title: Re: Celebrations Thread
Post by: jordanread on March 01, 2014, 04:01:55 PM
Awesome, everyone!!!
My celebration is that I have a new daily driver. Haven't sold the 16MPG jeep yet, but just picked up an 88 Sentra, that gets 33MPG!! Engine is in top shape, and only have about $300 to get it to where it'll last another 5 years. $800 total!!
Plus, and this is a big one, finally got the SO on board with reducing our very unmustachain fleet of gas guzzlers. We're going to sell the jeep,  and the pathfinder, and then share the new Sentra.
Title: Re: Celebrations Thread
Post by: T-Rex on March 03, 2014, 07:36:33 AM
I maxed my Roth IRA for 2013, just in time.
Title: Re: Celebrations Thread
Post by: gripped on March 03, 2014, 06:49:44 PM
Wow, that's more than a mini-accomplishment silvie!

My accomplishment:
I got a 2nd roommate and now all 3 bedrooms are filled in my house!! That means an extra $450/ month going directly to the stache!
Title: Re: Celebrations Thread
Post by: Silvie on March 04, 2014, 04:02:26 AM
Wow, that's more than a mini-accomplishment silvie!

Thanks! I'm doing a little happy dance now because my dad just told me he is going to give me 8,500 euros :D Now I "only" have 8,500 left on the loan.

Your accomplishment is quite a big deal too, gripped! Congrats!
Title: Re: Celebrations Thread
Post by: RMD on March 05, 2014, 06:55:53 AM
Not a personal celebration, per se...but I'm doing the happy dance this morning because my city just sent out (posted on facebook...and I shared!) a bicycling survey along with an interactive map to plot where you bike or want to bike and allows you to rank routes as easy or difficult and tag areas that are biking barriers.  I am soooo happy since the car is king here, that the city is even thinking about looking at bike paths for commuters and not for recreation!
Title: Re: Celebrations Thread
Post by: ichangedmyname on March 06, 2014, 03:40:55 PM
Congrats everyone.
I just had my annual review and got a 3% increase. That's almost $700 a year. I am quite happy.
Title: Re: Celebrations Thread
Post by: arebelspy on March 06, 2014, 04:24:00 PM
Congrats everyone.
I just had my annual review and got a 3% increase. That's almost $700 a year. I am quite happy.

Nice!  That's a lot of bacon.  :)
Title: Re: Celebrations Thread
Post by: ichangedmyname on March 07, 2014, 09:00:03 AM
Congrats everyone.
I just had my annual review and got a 3% increase. That's almost $700 a year. I am quite happy.

Nice!  That's a lot of bacon.  :)

I know! I'm thinking once it kicks in to increase my 401k contribution by 3%
Title: Re: Celebrations Thread
Post by: KulshanGirl on March 08, 2014, 07:27:32 AM
I thought about digging out my original car question thread and updating that, or my journal.  But I figured here is a good place to post my good news!

After almost exactly one year of learning, saving, and looking, I've finally ditched the gas-guzzler Volvo and bought a fine used mustache-mobile.  I had a short list of cars, and a long list of musts so it took a while.  Now driving a shiny 2006 Scion XA!

106K miles, priced well, one owner (a pilot who only used it to commute to SeaTac, so all highway miles), added option of front and rear side airbags.   All service records... taken care of by a meticulous guy.  (pilot!)  It looks and runs like a new car.  He even wrote me up a reminder sheet of what I should do for the next 30k miles or so and filled the tank for me.  :)  I am thrilled!

It's a definite change from the Volvo tankwagon.  Camping will be like tetris in there.  :)  Also, I'm going to take it in and have them install the hitch mount so I can put my bike rack on there. 

Anyone in the market for a 1998 Volvo XC Wagon?   
Title: Re: Celebrations Thread
Post by: grantmeaname on March 08, 2014, 07:43:55 AM
Great find! I'm (only kinda seriously) keeping a pulse on the xA and Vibe markets around here.
Title: Re: Celebrations Thread
Post by: Grateful Stache on March 10, 2014, 08:06:34 PM
It took several pestering emails, but:

I convinced HR to drop a crappy 457 plan (2.5% total fees and a tax-deferred annuity) for a plan that has 0.3% fees and no annuity.

Once I start contributing heavily, I'll totally feel like a badass!
Title: Re: Celebrations Thread
Post by: windawake on March 13, 2014, 07:52:13 AM
I biked to work today for the first time since early December. It was still about 20 degrees, but the roads have cleared a bit and I put my big-girl pants on. It was exhilarating. I finally feel alive again! I <3 BIKING!
Title: Re: Celebrations Thread
Post by: ZeroGBuff on March 15, 2014, 09:53:11 PM
This thread makes me so happy!

My mortgage company recently sent me an estimate of how my payment will adjust when it switches to an ARM in about six months.  Interest rate is dropping to 2.875%, which, combined with my overpayments every month, results in $60,000 savings over the remainder of the loan (if I quit pre-paying, which I won't).  Granted, 90% of that is from the interest rate dropping, but I'm still excited.  My monthly payment will drop over 30%, making a significant dent in my monthly expenses.  Now I just have to decide how much of that I want to allocate to paying it off versus my Vanguard account....
Title: Re: Celebrations Thread
Post by: CU Tiger on March 16, 2014, 04:54:02 PM
We paid off the last of our mortgage. That's the short story.

The slightly longer story is that we bought in September 2000 on a 20 year old note, refinanced in 2002 to a 15 year mortage, refinanced in 2004 for a very low rate...and paid it off at the end of February, meaning that in less than 15 years from the original 2000 purchase date, we own our house free and clear.

We haven't had any other debt for years and years, so as of no, all our money "are belong to us"!

It feels good.
Title: Re: Celebrations Thread
Post by: ichangedmyname on March 21, 2014, 09:12:39 AM
I just wanted to do a celebration dance because my networth is over $10k and I only started saving when I got a job in January this year :D

My goal for 2014 is to double my networth from last year and I'm already halfway there!
Title: Re: Celebrations Thread
Post by: hernandz on March 21, 2014, 12:22:46 PM
Checked my 401k balance to discover the profit-sharing contribution has gone into my account and puts me at $101k. Six figures!!  Woo-hoo!!! I've been with the company for 5 years and in the next paycheck, I've increased my contributions another 1% to 16%. Before I joined this company, I half-assed it when it came to saving for my retirement, and those other accounts sum up to about $30K over 20 years. 

I've also managed to wipe out the credit card debt last year. The medical debt is on target for elimination by this summer.  Then the Mister and I will talk about whether we tackle the car debt or the house debt next.  We have cash saved for a new driveway, which we'll get started on as soon as the weather permits. 

Before I came here, I used to think that living up to our means was doing great, and now I see us actually living below our means. Thanks, everyone, for the inspiration.
Title: Re: Celebrations Thread
Post by: B L I S S on March 22, 2014, 07:01:04 AM
My happiness stems from the joy of improving the lives of my friends.
It's been that way since I was able to form independent thoughts.
With that said, I've introduced two of my female friends to Mint.
In other news, two of my female friends have recently become addicted to Mint ;)

What good is getting there if you came alone?
Title: Re: Celebrations Thread
Post by: lexie2000 on March 22, 2014, 07:48:37 AM
My happiness stems from the joy of improving the lives of my friends.
It's been that way since I was able to form independent thoughts.
With that said, I've introduced two of my female friends to Mint.
In other news, two of my female friends have recently become addicted to Mint ;)

What good is getting there if you came alone?

Good for you.  So glad you have partners in crime. 

The most Mustachian/frugal people that I've "known" over the years (besides my mom) have been on money forums. 
Title: Re: Celebrations Thread
Post by: Loud Noises on March 22, 2014, 06:26:07 PM
I just got myself a 40% raise!  Woohoo!  There will be no lifestyle inflation with this one, I can guarantee it.
Title: Re: Celebrations Thread
Post by: arebelspy on March 22, 2014, 06:37:12 PM
I just got myself a 40% raise!  Woohoo!  There will be no lifestyle inflation with this one, I can guarantee it.

Wow, that's HUGE!  That'll boost your savings rate quickly.  Way to go.  :)
Title: Re: Celebrations Thread
Post by: B L I S S on March 22, 2014, 07:53:24 PM
I just got myself a 40% raise!  Woohoo!  There will be no lifestyle inflation with this one, I can guarantee it.

Wow. Did you just become COO..


Good for you.  So glad you have partners in crime. 

The most Mustachian/frugal people that I've "known" over the years (besides my mom) have been on money forums.

Yes it is great, though still, no one is as extreme as I am.
I am still viewed upon as being a bit obsessive
Title: Re: Celebrations Thread
Post by: Maigahane on March 24, 2014, 07:30:44 AM
I'm am now the proud (?) owner of my first bike in about 15 years. It's just a $30 bike someone in town was getting rid of but it looks much better than the ones I saw at Goodwill that were more expensive. Now tonight I get to see if riding a bike is really like "riding a bike"...
Title: Re: Celebrations Thread
Post by: Loud Noises on March 26, 2014, 07:46:37 AM
I just got myself a 40% raise!  Woohoo!  There will be no lifestyle inflation with this one, I can guarantee it.

Wow. Did you just become COO..


No it's more like a new job altogether than a raise... but overall it equates to a recognition of what I actually bring to the table and is fair compensation for that.  I've done a lot of investing in myself and my career in the past year and a situation like this is exactly why!
Title: Re: Celebrations Thread
Post by: maryofdoom on March 28, 2014, 08:42:36 PM
This thread is officially the best thread. :)

I've been scarce around here because my new job is AMAZING. Not only did I get a raise, I am only six miles away from my office - and the work is challenging, interesting, and offers me a ton of autonomy and the power to make decisions that I think are best. That's something that is super important to me and I'm glad that I am both recognizing that about myself and in a position where I get to make the most of that.

And also, my freelance editing business is BLOWING UP. I recently edited and formatted a book, which was published on the National Institute of Health's website; and I have a thesis, a journal paper, and a theoretical physics paper all in the queue. At $50 per hour, I stand to make another $650 in this next week. If only these deadlines weren't so short...
Title: Re: Celebrations Thread
Post by: arebelspy on March 28, 2014, 09:49:59 PM
This thread is officially the best thread. :)

I've been scarce around here because my new job is AMAZING. Not only did I get a raise, I am only six miles away from my office - and the work is challenging, interesting, and offers me a ton of autonomy and the power to make decisions that I think are best. That's something that is super important to me and I'm glad that I am both recognizing that about myself and in a position where I get to make the most of that.

And also, my freelance editing business is BLOWING UP. I recently edited and formatted a book, which was published on the National Institute of Health's website; and I have a thesis, a journal paper, and a theoretical physics paper all in the queue. At $50 per hour, I stand to make another $650 in this next week. If only these deadlines weren't so short...

That's so awesome!  Make sure not to burn out.  :)

Way to go.  :D
Title: Re: Celebrations Thread
Post by: ichangedmyname on March 29, 2014, 11:59:53 PM
I just got myself a 40% raise!  Woohoo!  There will be no lifestyle inflation with this one, I can guarantee it.

AWESOME!

My celebration today is I just realized that since January 2014, my 401k account has increased by 35% :D
Title: Re: Celebrations Thread
Post by: happyfeet on April 01, 2014, 10:42:24 AM
Son graduated with ABET EE degree in four years and landed his dream job - no more college tuition!  Yea!  Food bill goes down!  Yea!  I will miss him but kinda cool to see my kids grow into responsible adults. 

Life sure does fly by.

Edit!  And in MMM form any savings go into FI funds.
Title: Re: Celebrations Thread
Post by: dorkus619 on April 02, 2014, 08:49:41 PM
Completely agree that this is the best thread!

My celebration is that I finally made a blog that I plan to share with the world! I am hoping to keep it going and eventually to start making some side hustle money with websites. I also started a website i plan to monetize - once I figure out what I'm doing! ha.

Everyone keep up the great work! :D

p.s. blog url - www.simplybex.com
Title: Re: Celebrations Thread
Post by: jordanread on April 02, 2014, 09:03:06 PM
Completely agree that this is the best thread!

My celebration is that I finally made a blog that I plan to share with the world! I am hoping to keep it going and eventually to start making some side hustle money with websites. I also started a website i plan to monetize - once I figure out what I'm doing! ha.

Everyone keep up the great work! :D

p.s. blog url - www.simplybex.com


Once you are up and running, don't forget get yourself added to the MMM Reader Blogroll (http://www.mrmoneymustache.com/forum/mustachianism-around-the-web/the-mmm-readers'-blogroll/)
Title: Re: Celebrations Thread
Post by: RNwastash on April 02, 2014, 11:18:31 PM
I am proud to say, that as of today, I now belong to the 2% Club!!
Title: Re: Celebrations Thread
Post by: jordanread on April 03, 2014, 07:04:14 AM
Got over all of the emotional hang ups regarding my jeep, and put it on craigslist. I can learn more about working on cars later, if I need to. I don't need to keep that beast for practice.
Title: Re: Celebrations Thread
Post by: Maigahane on April 03, 2014, 07:55:56 AM
Our negative net worth finally dipped under $10k!! Unfortunately this is including the value of our cars and my unvested retirement amounts for the sole purpose of making it a little less depressing but we're getting closer to not needing them at least :)
Title: Re: Celebrations Thread
Post by: dorkus619 on April 07, 2014, 07:49:17 AM
Completely agree that this is the best thread!

My celebration is that I finally made a blog that I plan to share with the world! I am hoping to keep it going and eventually to start making some side hustle money with websites. I also started a website i plan to monetize - once I figure out what I'm doing! ha.

Everyone keep up the great work! :D

p.s. blog url - www.simplybex.com


Once you are up and running, don't forget get yourself added to the MMM Reader Blogroll (http://www.mrmoneymustache.com/forum/mustachianism-around-the-web/the-mmm-readers'-blogroll/)

Thanks for the info & invite! :)
Title: Re: Celebrations Thread
Post by: countdown on April 07, 2014, 09:06:47 AM
Just broke $100k in non-pension net worth! I was updating my spreadsheets this morning and was focused more on checking in on investment accounts and total NW, but casually checked my cell for non-pension NW subtotal and it is at $100,007.06. Woohoo!!! Brings a happy smile to my face on an otherwise dragging Monday. I'm hoping that the experience will hold true for me that the first $100k is the hardest, 'cause it sure did feel hard!

Note: includes 457/IRAs, rental deposit, vacation accrual, mid-term savings; subtracts any cc debt ($0) and amount owed through term of car lease (through 6/30/2014). Doesn't include FSA money, checking account money for cash-flow expenses, or line item for cost to purchase new-to-me car in May/June.
Title: Re: Celebrations Thread
Post by: aetherie on April 07, 2014, 11:07:45 AM
I just took the plunge and moved most of my savings (17k), which have been moldering in a low-interest CD, to a shiny new Vanguard account, where hopefully they will multiply and prosper until my retirement day!

Now that I have a job lined up for after graduation (also worth celebrating) I can think of that money as long-term savings. Feels good.
Title: Re: Celebrations Thread
Post by: jordanread on April 08, 2014, 01:43:10 PM
The gas-guzzling Jeep is gone!!! Sold yesterday. Today, I drove the "new" Sentra up to Denver, and it didn't explode or anything. Damn near paid for itself already. :-)
Title: Re: Celebrations Thread
Post by: europe on April 10, 2014, 12:36:15 PM
As I want to avoid crosspostings - first of all: Hi everybody! I discovered MMM's blog and this great forum one year ago - it totally changed my mind and relationship to money. I live in the middle of Europe (very creative nickname, right?) and I am in my 30s. Didn't want to post here until I had something for this thread. Since today, I got something: I finally sold my car. After thinking and rethinking it for months - and after withstanding my emotional phase (should I really sell it? I like it so much, it's so nice & beautiful, it's the first real thing I bought etc. blahblah) - today was the day. One small step for mankind, but a giant leap for me and so I cashed in € 13.000 (none to say, that the price I paid was almost twice as much) plus saved at least € 2.000 a year!

My next goal is to hit € 50k of savings (should be next month) and afterwards straight forward to 100k. :)

Cheers from Austria!
Title: Re: Celebrations Thread
Post by: LucyBIT on April 16, 2014, 04:12:57 PM
I can't believe I didn't know this thread was here!

- Two months ago I paid off one of my student loans in full, a first for me. I did a happy dance but kind of wanted the website to burst into flashing gifs of fireworks and joy ;-)

- I convinced Fiance to pay off his small CC debt with cash he just had lying around. Score!

- My aunt is retiring to Costa Rica and she gave me her nearly-new, barely-used mountain bike. It's really hard for me to shell out several hundred dollars for anything, even if I know it's a worthwhile investment, so I'd been bogged down in comparison shopping etc. but now all I need is a bike pump and I can stop riding the bus to work!
Title: Re: Celebrations Thread
Post by: renaite on April 18, 2014, 07:20:06 PM

- Two months ago I paid off one of my student loans in full, a first for me. I did a happy dance but kind of wanted the website to burst into flashing gifs of fireworks and joy ;-)

Congratulations, LucyBIT! I cannot for the life of me figure out inserting an image, but here's to make up for your student loan site's lack of proper fanfare: http://puka23.deviantart.com/art/Party-Hard-Unicorn-165441334 (http://puka23.deviantart.com/art/Party-Hard-Unicorn-165441334)
Title: Re: Celebrations Thread
Post by: LucyBIT on April 19, 2014, 08:25:08 PM
LOL unicorn! Thanks!!!
Title: Re: Celebrations Thread
Post by: Freedom2016 on April 20, 2014, 01:15:10 AM
Tonight's the first time I've captured in one place our net worth changes over the last few years, and it was so much fun to graph these numbers:

Date                Net Worth
12/31/11         $142,963
12/31/12         $210,200
06/30/13         $240,656
04/19/14         $579,639

My tracking went off the rails mid-year last year - I got lazy with Quicken and we eventually switched to Mint, so record keeping is back on track now. In fact I just downloaded a trial of YNAB tonight because I find the Mint budgeting tool to be less than useful, and I want to get our spending more under control.

But pretty cool that our net worth has more than doubled in less than a year!


Title: Re: Celebrations Thread
Post by: Credaholic on April 23, 2014, 05:48:40 PM
Mini celebration for us this month - we paid off my husband's car and finally own it free and clear! I'd be celebrating bigger if he didn't own a gas guzzling truck, but I haven't had much luck talking a contractor out of his truck ;)

Our other "accomplishment" this month was hitting a new tax bracket. I've been singing "mo' money, mo' problems" ever since, but as much as I hate the tax bill, I guess we had a good year overall?!
Title: Re: Celebrations Thread
Post by: Jazzpolice on April 23, 2014, 07:47:08 PM
2014 Accomplishments since being a regular MMM reader:
Cable: GONE & not missing it one bit with getting Roku & Hulu+ for $8/month
Cell phone: Switched from Sprint $150/month to Ting averaging 30ish/month
Spouse was taking high end "vitamins" called Juice Plus: Convinced him to break free: Savings of $350 every 4 months.
Weekend Newspaper: GONE.. Savings of $20/month (cancelled out of principal since they increased the priced by $5 without even letting us know)
Eating out only once a week instead of mindlessly as we used to before.  Due to my frugal nature, we eat mostly lunches out and order water to keep costs down.  Man, it feels so good to make these little changes and know it'll pay off in the end.  Just seeing my older coworkers complain about money makes me find more ways to cut costs. 

Since I have a strong aversion to debt…we have no other loans or debt other than a small amount left on the mortgage which I'm overpaying monthly to eliminate and it may not make sense to many to prepay  the 4.75% but those of us who want to be in the "free and clear" love to have absolutely zero debt.   So good to celebrate our achievements even in a forum filled with other Mustachians even if we are all technically strangers because I haven't found any friends/coworkers to "get it".
Title: Re: Celebrations Thread
Post by: smalllife on April 24, 2014, 05:31:21 AM
10% Raise!!!  Woot woot!

Title: Re: Celebrations Thread
Post by: Mrs. Frugalwoods on April 24, 2014, 02:21:50 PM
Yay everybody! Congrats!

Our Frugalwoods family small victories this month:
-Not eating out at all. Not for a single meal--not even coffee!
-Meal planning carefully, yielding our absolute lowest grocery bills EVER (while still eating fruits & veg)
-Becoming a volunteer at my yoga studio to get free classes

I love that we keep finding new ways to save and enjoy life! Frugal on!
Title: Re: Celebrations Thread
Post by: Moonwaves on April 26, 2014, 05:39:59 AM
I cleared my overdraft yesterday. For the first time since about 1998 I am debt free. Now for saving!
Title: Re: Celebrations Thread
Post by: PaulD on April 28, 2014, 10:20:25 AM
I was notified last Thursday that I passed the CFP exam. Not a minor feat, as that was a tough exam! 

It's official - on the day of the test I knew a lot of stuff about personal finance. Some of it is even useful! 
Title: Re: Celebrations Thread
Post by: PindyStache on April 28, 2014, 02:11:46 PM
"I want to ride the bicycle" -- DS (2 1/3 years old) said this morning as we were heading out, after being told that mom was taking him to day care with the car today. It was 40 degrees, rainy, and windy. (I still rode the bike 10 miles in to work.) In decent weather (until mid-December and starting again mid-April this winter) I typically bike him to day care more than half the time.
Title: Re: Celebrations Thread
Post by: missbee on April 28, 2014, 11:10:33 PM
I have no more consumer debt as of yesterday. I don't think it has quite hit me yet - I've been carrying a credit card balance for around 10 years now - and now its all gone, never to return :)
Title: Re: Celebrations Thread
Post by: HappierAtHome on April 28, 2014, 11:22:17 PM
I have no more consumer debt as of yesterday. I don't think it has quite hit me yet - I've been carrying a credit card balance for around 10 years now - and now its all gone, never to return :)

YAY! This is awesome! Go you :-)
Title: Re: Celebrations Thread
Post by: Maigahane on April 29, 2014, 09:06:46 AM
I think DH finally "gets" it! I've been talking about ER for a while now (found MMM about a year ago and had hoped to retire sooner than 'normal' for years) and I couldn't tell until last weekend if he was agreeing with me or doing the "smile-and-nod-and-slowly-back-away" you do with crazy people.
Last weekend we started talking about our retirement house and what we'd do when we retire and we're really on the same page. We're still a good 7 years from retiring but now that I know he's on board we can really start aggressively working towards ER.

On a different note: I did my first electrical repair this weekend. I rewired a bad light fixture and didn't zap myself and it even works!
Title: Re: Celebrations Thread
Post by: arebelspy on April 29, 2014, 09:12:43 AM
I think DH finally "gets" it! I've been talking about ER for a while now (found MMM about a year ago and had hoped to retire sooner than 'normal' for years) and I couldn't tell until last weekend if he was agreeing with me or doing the "smile-and-nod-and-slowly-back-away" you do with crazy people.
Last weekend we started talking about our retirement house and what we'd do when we retire and we're really on the same page. We're still a good 7 years from retiring but now that I know he's on board we can really start aggressively working towards ER.

On a different note: I did my first electrical repair this weekend. I rewired a bad light fixture and didn't zap myself and it even works!

Spouse on board is HUGE!  Awesome.  :)
Title: Re: Celebrations Thread
Post by: prudence on May 01, 2014, 09:45:58 AM
I finally hit the 50% mark on my stache. I'm halfway to retirement! I hope the second half builds faster with momentum :)
Title: First mini-milestone on my race to FI
Post by: pthomasson88 on May 02, 2014, 08:40:03 PM
In February of this year I discovered Mustachianism and made a spreadsheet I called "The Race to FI".  It's a 7 year plan. First widdle bitty baby step; pay off a $5600 high interest consumer loan as fast as possible. I eliminated $2000 of wasteful monthly spending in March and sold my useless possessions on ebay and craigslist. Today, May 2nd, just two months later the loan is PAID! This crazy stuff works! Today at work, for the first time in 13 years at this job, I set my 401k contribution to max me out for the year! In 7 years I am going to re-read this post and remember when it all began.
Title: Re: First mini-milestone on my race to FI
Post by: NinetyFour on May 02, 2014, 08:45:51 PM
In February of this year I discovered Mustachianism and made a spreadsheet I called "The Race to FI".  It's a 7 year plan. First widdle bitty baby step; pay off a $5600 high interest consumer loan as fast as possible. I eliminated $2000 of wasteful monthly spending in March and sold my useless possessions on ebay and craigslist. Today, May 2nd, just two months later the loan is PAID! This crazy stuff works! Today at work, for the first time in 13 years at this job, I set my 401k contribution to max me out for the year! In 7 years I am going to re-read this post and remember when it all began.

Nice work!  Welcome to mustache land!!
Title: Re: Celebrations Thread
Post by: Jon_Snow on May 03, 2014, 02:31:51 PM
The last time I posted here in the "celebrations" thread, I think we had just refinanced our mortgage to a 2.7%, one year term. Since then, we have paid it off in full and now we have really hit our saving/investing stride. We are now saving 85% of our income, which is in excess of 10k per month.
Monthly dividends are now rolling in to the tune of $4000 monthly. Our expenses total around 2k or so. So I think I am good to go. I have recently let my family know of my intentions give my employer notice this summer - with the intention of being ER'ed by the late Fall of this year. My family is quite surprised to say the least - but once I explained how I could do this (without getting into my exact financial numbers) they were very supportive - but still quite perplexed. :)

I have been working for this for the last ten years - long before I knew of MMM - and the fact that the plan is almost realized seems surreal.

Title: Re: Celebrations Thread
Post by: happy on May 03, 2014, 07:30:21 PM
Well done everyone and congratulations Jon_Snow - that is awesome news!
Title: Re: Celebrations Thread
Post by: NinetyFour on May 03, 2014, 08:19:55 PM
Congratulations, Jon_Snow!!  Very happy for you!
Title: Re: Celebrations Thread
Post by: Wile E. Coyote on May 03, 2014, 08:46:01 PM
Giant congratulations Jon_Snow!
Title: Re: Celebrations Thread
Post by: Lukim on May 03, 2014, 08:55:15 PM
We have been building 2 investment houses, was wondering whether or not we would be able to rent them and get good tenants.

Good news, houses just finished (actually not even finished but close to finished) and a corporate has agreed to rent both houses for 2 years.

That is a burden lifted!!
Title: Re: Celebrations Thread
Post by: okonumiyaki on May 04, 2014, 10:11:51 PM
Where abouts in Asia Lukim?

I've had a planning spreadsheet since 2006.  Interesting to look back. 

Net assets have increased 94%.  However, am 10% below where I expected to be.  Returns are below expectations (2008!) , but saving has been above expectations.

My wife is not yet fully on board, though she has tentatively agreed I can quit this year (she stopped part time work 2 years ago) - though she sees it more as a sabbatic than early retirement.

She has to be on board really - as I want to move to her home country (Indonesia).  Almost had an agreement last year (to quit and get involved with her family's business) but a last minute falling out between her & her father ended that!  So now would be looking to move to another part of Indonesia, and not be involved.
Title: Re: Celebrations Thread
Post by: Punchingat50 on May 05, 2014, 04:15:34 PM
I now have a positive net worth after 8 months of toiling. This site gave me the tools.
Title: Re: Celebrations Thread
Post by: Lukim on May 05, 2014, 05:36:56 PM
Okonumiyaki - Which part of Indonesia are you looking to move to?

Lots of cheap places to live in Indonesia but Bali and Jakarta are probably not amongst them.

I am living and working in Asia as an expat but the 2 houses we just built are not in Asia.
Title: Re: Celebrations Thread
Post by: okonumiyaki on May 05, 2014, 09:22:08 PM
Well, I like East Java, my wife is from Malang.  But the alternative is Bali.  Actually, because of the property bubble on at the moment in Java, property prices (for freehold) in Malang are about the same as Bali... 
Title: Re: Celebrations Thread
Post by: S0VERE1GN on May 06, 2014, 06:04:15 AM
Just feeling exceptionally grateful today.

A few years ago my wife and I were having a baby, lived in a crummy railroad flat, had over 10 grand in Credit card debt, and we were both only working part time.

Now we both have excellent careers, only the student loan debt remains as our "bad" debt, and we're closing on what I think will be our forever house.

Not to mention we've dropped our expenses so much now that even though both of us work, we're essentially a one income household. Small victories build up to huge wins!
Title: Re: Celebrations Thread
Post by: HairyUpperLip on May 06, 2014, 11:27:23 AM
The last time I posted here in the "celebrations" thread, I think we had just refinanced our mortgage to a 2.7%, one year term. Since then, we have paid it off in full and now we have really hit our saving/investing stride. We are now saving 85% of our income, which is in excess of 10k per month.
Monthly dividends are now rolling in to the tune of $4000 monthly. Our expenses total around 2k or so. So I think I am good to go. I have recently let my family know of my intentions give my employer notice this summer - with the intention of being ER'ed by the late Fall of this year. My family is quite surprised to say the least - but once I explained how I could do this (without getting into my exact financial numbers) they were very supportive - but still quite perplexed. :)

I have been working for this for the last ten years - long before I knew of MMM - and the fact that the plan is almost realized seems surreal.

Lol - this deserves it's own thread. Place share about the story. Very good job man!

Title: Re: Celebrations Thread
Post by: Jon_Snow on May 06, 2014, 02:49:16 PM
I don't think I've started my own thread in all my years of hangin' out on various forums. Perhaps I should, as I have a pretty cool story to tell. I intend to start a blog a some point, so I may wait until then. Thanks for the interest!
Title: Re: Celebrations Thread
Post by: HairyUpperLip on May 06, 2014, 03:47:18 PM
I don't think I've started my own thread in all my years of hangin' out on various forums. Perhaps I should, as I have a pretty cool story to tell. I intend to start a blog a some point, so I may wait until then. Thanks for the interest!

pm me the link when you create it!
Title: Re: Celebrations Thread
Post by: Heather in Ottawa on May 08, 2014, 08:27:54 PM
My 1 year anniversary on Mint! Now I know how much we spent (about $22,000), and we increased our net worth by $64,000. So we can lay claim to a 74% savings rate. Next year will be even better since we'll both work full time, and have really dialed in our expenses in the last couple months. How did I ever exist without Mint?
Title: Re: Celebrations Thread
Post by: Nancy on May 09, 2014, 02:04:58 PM
I paid off my student loans!!! Since February 2012, I have paid off $48K (including interest on a variable rate loan), and I now have no debt. I also maxed out my Roth each year, contributed to the match in my 401K in 2012 (and every year since I started working), nearly maxed it out in 2013, and will max it out in 2014. It feels pretty friggin great!
Title: Re: Celebrations Thread
Post by: HairyUpperLip on May 10, 2014, 05:35:15 PM
great job nancy!
Title: Re: Celebrations Thread
Post by: Nancy on May 11, 2014, 05:23:14 PM
great job nancy!
Thanks! I'm pretty excited.
Title: Re: Celebrations Thread
Post by: FrugalInTraining on May 12, 2014, 09:41:24 PM
I paid off my student loans!!!

Congrats.  Me, too!  Your story is a bit more impressive, but I'm glad to cross that bill off my list.  Now to some CC debt currently snoozing at 0%. 

Onward!!
Title: Re: Celebrations Thread
Post by: Nancy on May 13, 2014, 08:56:17 AM
I paid off my student loans!!!

Congrats.  Me, too!  Your story is a bit more impressive, but I'm glad to cross that bill off my list.  Now to some CC debt currently snoozing at 0%. 

Onward!!

Congratulations! Keep knocking them out!
Title: Re: Celebrations Thread
Post by: CU Tiger on May 16, 2014, 07:13:14 PM
Back in late February we paid off the mortgage. Our stated plan was to use at least half the money we used to direct to the mortgage into investments.

So tonight we got online and made the following changes:
Increased the amount that goes into short term emergency fund by $50 per month.
Increased the amount that goes into our two Roth IRAs by $190 per month (+50 per month in mine, +$140 per month is his, since he is now in his 50th year and can add the "catch up" amount)
Increased the amount into our after tax investments from $100 to $400 per month

A couple of months ago I also increased the amount that goes into my 401K to 25% of my salary. It didn't hurt...much.

None of these amounts is huge. We will do more later, but right now we are also saving for some important and much needed home repairs, including weatherproofing the house and repairing a leaking chimney. But it feels amazing to be saving this money to The Bank of Us, rather than sending it to The Bank of America!
Title: Re: Celebrations Thread
Post by: FiveSigmas on May 16, 2014, 08:16:13 PM
Biked to work today for the first time! Woo!
Title: Re: Celebrations Thread
Post by: HairyUpperLip on May 19, 2014, 07:53:01 AM
The last time I posted here in the "celebrations" thread, I think we had just refinanced our mortgage to a 2.7%, one year term. Since then, we have paid it off in full and now we have really hit our saving/investing stride. We are now saving 85% of our income, which is in excess of 10k per month.
Monthly dividends are now rolling in to the tune of $4000 monthly. Our expenses total around 2k or so. So I think I am good to go. I have recently let my family know of my intentions give my employer notice this summer - with the intention of being ER'ed by the late Fall of this year. My family is quite surprised to say the least - but once I explained how I could do this (without getting into my exact financial numbers) they were very supportive - but still quite perplexed. :)

I have been working for this for the last ten years - long before I knew of MMM - and the fact that the plan is almost realized seems surreal.

Man, I'm really waiting for you to post a full story. :)
Title: Re: Celebrations Thread
Post by: aetherie on May 19, 2014, 12:46:52 PM
I graduated from college yesterday!
And my full-time, high-paying, in-my-field job starts on June 2. I feel very lucky.
Title: Re: Celebrations Thread
Post by: SunshineGirl on May 19, 2014, 01:18:39 PM
I graduated from college yesterday!
And my full-time, high-paying, in-my-field job starts on June 2. I feel very lucky.

Congratulations!!!
Title: Re: Celebrations Thread
Post by: plainjane on May 24, 2014, 03:09:57 PM
In the past month I noticed that the household net worth has surpassed $1M on paper (this includes the house value, so I'm going by recent sales on the street).

And this morning I was playing with a retirement calculator and discovered that even with conservative assumptions around growth we don't need to save anything additional if we wanted to retire at 60.  We just need to cover our expenditures until then.  This means that any money added from now on is truly for ER.  Exceptionally motivating.
Title: Re: Celebrations Thread
Post by: minimos on May 24, 2014, 03:14:42 PM
Hit a positive net worth this month!
Title: Re: Celebrations Thread
Post by: Reepekg on May 24, 2014, 09:28:54 PM
Hit the following net worth today ($ks):
(http://hd.wallpaperswide.com/thumbs/300_rise_of_an_empire_movie-t2.jpg)
Title: Re: Celebrations Thread
Post by: pjm-7 on May 26, 2014, 06:35:32 PM
I gave my notice to retire this past Friday.  Totally debt free (mortgage paid was paid off in March).  Plan to spend the summer tending my garden and taking care of animals. 
Title: Re: Celebrations Thread
Post by: arebelspy on May 26, 2014, 11:40:18 PM
I gave my notice to retire this past Friday.  Totally debt free (mortgage paid was paid off in March).  Plan to spend the summer tending my garden and taking care of animals.

Congrats!  That's worth celebrating.  :)
Title: Re: Celebrations Thread
Post by: Emerald on May 27, 2014, 07:15:53 AM
My only debt is my mortgage.  I just sold a vehicle, so I should be throwing another $5000 at the mortgage this month. 
Title: Re: Celebrations Thread
Post by: mrfilthyrich on May 28, 2014, 06:26:13 PM
I have 5k saved up for Emergency savings!  Now instead of doing $100 a week toward that I can start filtering that toward my student loans!
Title: Re: Celebrations Thread
Post by: Snowwabbit on May 29, 2014, 01:47:28 AM
A minor celebration for me... May was my first month of ynab and reading MMM.  Thought I'd do a comparison between spending in May '13 and May '14. At first glance spending the same, if not a little more - Instant disappointment! But hang on, look a little closer and I see my frivolous spending (coffee, lunch, whatevs) has dropped 70%! My spending is so high because I've paid off $2500 of debt, crazy stuff for me, so thanks MMM community :-)
Title: Re: Celebrations Thread
Post by: hernandz on May 29, 2014, 10:31:45 AM
A minor celebration for me... May was my first month of ynab and reading MMM.  Thought I'd do a comparison between spending in May '13 and May '14. At first glance spending the same, if not a little more - Instant disappointment! But hang on, look a little closer and I see my frivolous spending (coffee, lunch, whatevs) has dropped 70%! My spending is so high because I've paid off $2500 of debt, crazy stuff for me, so thanks MMM community :-)

I think that is worthy of a major celebration.  The first step is the hardest, after all.  Congrats on paying all that debt.
Title: Re: Celebrations Thread
Post by: Jon_Snow on May 29, 2014, 08:10:08 PM
I gave my notice to retire this past Friday.  Totally debt free (mortgage paid was paid off in March).  Plan to spend the summer tending my garden and taking care of animals.

Awesome! I hope to be giving my notice in July... want to get a massive garden started and perhaps get some animals of my own to take care of - I have been animal-less for too many years.

ER is so close now... and my wife seems just as excited as I am!
Title: Re: Celebrations Thread
Post by: Credaholic on May 31, 2014, 08:41:30 AM
Closed on our old house! We purchased two years ago in the dead of winter (offer was actually accepted on Christmas) when the market was in the absolute crapper. It wasn't perfect (small, on a busy street, totally destroyed inside Homepath home) but I figured close to $100k for an in-city single family home in Seattle was about as good as it was going to get. All told after remodel and closing costs we were into this house for about $170k. Received multiple offers (on my birthday no less!) and increased our net worth after paying off the mortgage by $167k. About $5k of that was from mortgage principal pay down over those two and bit years. Couldn't be happier, and sort of looking forward to the next real estate crash ;)
Title: Re: Celebrations Thread
Post by: grantmeaname on May 31, 2014, 12:19:36 PM
Wow, that's a sweet return! Way to go!
Title: Re: Celebrations Thread
Post by: lark on May 31, 2014, 05:06:59 PM
Finished paying off my student loans this week (90k in 18months!) and opened my first Vanguard account. Super excited to see my 'stache start taking off :)
Title: Re: Celebrations Thread
Post by: NinetyFour on May 31, 2014, 05:07:49 PM
Excellent work!!  Congrats!
Title: Re: Celebrations Thread
Post by: catccc on June 01, 2014, 06:54:06 AM
Finished paying off my student loans this week (90k in 18months!) and opened my first Vanguard account. Super excited to see my 'stache start taking off :)

90K in 18 months, that's awesome.  Think about how quickly your stash will grow diverting those payments to investments instead!!!  Congrats!
Title: Re: Celebrations Thread
Post by: erae on June 03, 2014, 12:47:26 PM
Our net worth broke 80K!  Shooting for 100K  by the end of the year.
Title: Re: Celebrations Thread
Post by: MrSporty on June 04, 2014, 01:11:40 AM
I just filed an application to reduce my position at work from 100% to 80% in order to get more spare time - and start preparing for a full FIRE-lifestyle (hopefully 5-10 years from now).

My boss called me in for a meeting and wondered if I had became ill, if there was any problem in my home, with my children, etc.

I just replied I wanted more spare time and said I was fully motivated to do a good job on the days I'm in the office. Also that my finances allowed it.

To say the least he was surprised - most of my coworkers still work full-time, and many of them are in their 50's and even 60's. I'm turning 40 next month. :-)

Worth mentioning is my boss' plans for the summer holiday - a luxury 2-week trip to Africa costing $40.000 (!!). Admittedly it will be a nice experience, but a damn expensive one!
Title: Re: Celebrations Thread
Post by: ichangedmyname on June 04, 2014, 09:04:42 PM
Congrats everyone! I love reading the great news.

I did a mid year review and I am celebrating the increase of my net worth. I like where the graph is going :D


Title: Re: Celebrations Thread
Post by: justchristine on June 06, 2014, 06:32:10 PM
Today my liquid net worth hit 250k.  I'm officially a quarter millionaire.
Title: Re: Celebrations Thread9-
Post by: Jon_Snow on June 07, 2014, 03:48:05 PM
My wife and I had a great discussion last night about my ER status. Up until now, the target date of my ER has been "sometime late in 2014". We have now agreed that after a nice July holiday on Vancouver Island, celebrating our anniversary, I will give my employer my official notice on my return to the city.

Early retirement will commence on October 1st, 2014, in my 42nd year. Haven't yet been able to convince my wife to join me. She is not convinced that we can both quit our jobs, despite the math saying otherwise. She does seem to love her job, I'll give her that - that not something I experienced in almost 25 years in my own career.
Title: Re: Celebrations Thread9-
Post by: Daisy on June 09, 2014, 09:05:06 PM
My wife and I had a great discussion last night about my ER status. Up until now, the target date of my ER has been "sometime late in 2014". We have now agreed that after a nice July holiday on Vancouver Island, celebrating our anniversary, I will give my employer my official notice on my return to the city.

Early retirement will commence on October 1st, 2014, in my 42nd year. Haven't yet been able to convince my wife to join me. She is not convinced that we can both quit our jobs, despite the math saying otherwise. She does seem to love her job, I'll give her that - that not something I experienced in almost 25 years in my own career.

That is awesome! You turned your OMY into an NMY (No More Years).

Sorry for the corny humor - that's all I could come up with on such short notice. :-)
Title: Re: Celebrations Thread9-
Post by: HappierAtHome on June 09, 2014, 09:56:10 PM
My wife and I had a great discussion last night about my ER status. Up until now, the target date of my ER has been "sometime late in 2014". We have now agreed that after a nice July holiday on Vancouver Island, celebrating our anniversary, I will give my employer my official notice on my return to the city.

Early retirement will commence on October 1st, 2014, in my 42nd year. Haven't yet been able to convince my wife to join me. She is not convinced that we can both quit our jobs, despite the math saying otherwise. She does seem to love her job, I'll give her that - that not something I experienced in almost 25 years in my own career.

Wow, ER is so close for you now!! Congratulations :-)
Title: Re: Celebrations Thread
Post by: socalwkr on June 10, 2014, 08:44:32 PM
Great to hear!  $90k in 18 months holy crap, nice job!
Title: Re: Celebrations Thread
Post by: rocksinmyhead on June 11, 2014, 08:36:32 AM
Finished paying off my student loans this week (90k in 18months!) and opened my first Vanguard account. Super excited to see my 'stache start taking off :)

90K in 18 months, that's awesome.  Think about how quickly your stash will grow diverting those payments to investments instead!!!  Congrats!

that is AMAZING!! I should have my student loan celebration post coming up within the next month or so, but I will only have paid off $70k in 25 months... I thought I was awesome but you are blowing my mind!

congrats Jon_Snow on your impending retirement!!! super exciting!

and my own celebration for today... I just passed $50k net worth! HOLLA! a lot of it is due to an up market (almost $40k in my 401k) and the fact that my company's stock is also on the up (a few k in ESPP) but still! I love that we have this board where we can tell people exciting things that we can't really tell people in our real lives :)
Title: Re: Celebrations Thread
Post by: karaishere on June 14, 2014, 06:31:16 PM
This thread is so much fun to read! Congrats to everyone!

I discovered the Way of the Mustache in April and here's what I've done so far:
- Increased my monthly SEP retirement contributions by 4 times the money (it will max out for 2014!)
- Bumped our A/C temp up from 73 to 76 (sometimes 77) and turned on the ceiling fans :)
- Got rid of cable (it's weird, we were trying it out for 4 months and rarely watched it...)
- Installed CFLs
- Lowered the water heater from C to A (ours goes Hot, A, B, C, Very Hot)
- Opened a Vanguard Account with $3000 and set up $1000 monthly contributions starting on the 18th (of this month!!!)
- Cancelled my Amazon Prime membership and got a $52.93 refund
- Switched the dishwasher to air dry

And (obviously) joined this awesome community to better our financial situation, which you can read more of here:
http://forum.mrmoneymustache.com/ask-a-mustachian/reader-case-study-ready-to-spend-less-invest-more!/ (http://forum.mrmoneymustache.com/ask-a-mustachian/reader-case-study-ready-to-spend-less-invest-more!/)
Title: Re: Celebrations Thread
Post by: Nords on June 14, 2014, 07:48:55 PM
We've had a busy month for Ohana Nords:
 
Title: Re: Celebrations Thread
Post by: arebelspy on June 14, 2014, 08:17:23 PM
  • As an added extra bonus, spouse's parents were not able to make the trip.  The graduation ceremony was streamed live on the Internet so they were happy.  Spouse and I weren't dealing with difficult people all week long so we were very happy.

(https://gs1.wac.edgecastcdn.net/8019B6/data.tumblr.com/7bce0a4ecf1973838066b4f2f17fed05/tumblr_inline_n2npw6vwH61qaa10h.gif)
Title: Re: Celebrations Thread
Post by: jordanread on June 15, 2014, 08:55:36 PM
Took my GF on the hardest ride she's had yet, and she did awesome!! 20 extremely hilly miles at night. New top speed record down hill for her too.

A bonus, she used bikebum as something that happens the day after a long ride. :-P
Title: Re: Celebrations Thread
Post by: ketchup on June 15, 2014, 09:01:26 PM
Successfully taught GF how to drive standard today.  She's finally able to do it on public roads in actual traffic.  That should add up to thousands saved over our lifetimes.
Title: Re: Celebrations Thread
Post by: Malaysia41 on June 17, 2014, 05:45:23 AM
Last month our energy bill was 805 ringgit or USD $251!  We all studied the bill and decided on a plan: install window screens, buy fans and strategically position near windows, and turn off the air conditioning for good. 

You know who kept us on track when going to bed in 32degC/90degF heat?  Our 8 year old son.  He'd say, "No dad you CAN'T turn on the air conditioning, what about the power bill?" 

On a few nights my husband still squeezed in some air con on the sly for a few hours at a time when it was unbearable.  When we had friends over for a homemade pizza dinner (byo topping), we turned the air con on as well.  Other than that, we went air-con free. 

The latest energy bill arrived last week.  After looking at the bill, we took our son out to a Burger King (his favorite) to celebrate and shower high praise and plentiful compliments upon him for his inspiring leadership:  our latest bill was RM344 ($107).

We still have work to do - can install more screens and a few more fans.  But ... progress not perfection right?
Title: Re: Celebrations Thread
Post by: Liberty Stache on June 17, 2014, 07:05:43 AM
Congrats to everyone who's posted so far. Keep up the good work.

It's been a big year so far for me and my wife. I got a new job in January: ~40% gross increase in pay/benefits. In the same week we found out that after 6 months I'm getting an "off cycle" raise (ie only me, not during any kind of performance reviews) and my wife also just got a 10% raise (vs. 5% for the rest of the organization) and will be managing a larger team. Good news all around!
Title: Re: Celebrations Thread
Post by: missbee on June 18, 2014, 02:50:21 AM
I found out today that my Student Financial Supplement Scheme debt (an addition to HECS) will be paid off this month. That there will be 3% of my gross pay going in to my pocket instead of to the ATO from July onwards.
I also got to ride in the glass elevators in the new BHP building today - it was as awesome as it looks from the outside - so I can cross that off my bucket list too :)
Title: Re: Celebrations Thread
Post by: Lifestyle Deflation on June 18, 2014, 08:42:06 PM
Small celebration for me, my investments went over $50,000 today thanks to the market climb. Can't wait for $100k, 200k, etc.
Title: Re: Celebrations Thread
Post by: Tempe on June 18, 2014, 10:21:40 PM
My final payment to my student loan was this month (170$) It is great to have no more debt. I like seeing the 150$ freed up, although now it is going toward my new medical insurance, which overall my budget is just getting bumped up a little without the debt payment.
Title: Re: Celebrations Thread
Post by: MrsSmitty on June 19, 2014, 07:58:11 AM
I got married on June 7th and just calculated our now combined household net worth. $259K! Great way to start our new life together!
Title: Re: Celebrations Thread
Post by: CatM13 on June 19, 2014, 11:24:18 AM
I official only have the mortgage left to pay for! Paid all of our other outstanding debt off this week. :)
Title: Re: Celebrations Thread
Post by: iris lily on June 19, 2014, 12:01:46 PM
I got married on June 7th and just calculated our now combined household net worth. $259K! Great way to start our new life together!

I went from $15,000 to $100,000+ net worth the day I got married. It's a good ploy.  :)

I am so happy to read these posts where MMMers are knocking out that student debt. Ugh that stuff would scare the crap outta me, good for you guys for staring it down and beating it!

Title: Re: Celebrations Thread
Post by: arebelspy on June 19, 2014, 12:35:40 PM
I official only have the mortgage left to pay for! Paid all of our other outstanding debt off this week. :)

Whoo!  Debt free is awesome.  :)
Title: Re: Celebrations Thread
Post by: dragoncar on June 19, 2014, 01:12:16 PM
I got married on June 7th and just calculated our now combined household net worth. $259K! Great way to start our new life together!

I went from $15,000 to $100,000+ net worth the day I got married. It's a good ploy.  :)

I am so happy to read these posts where MMMers are knocking out that student debt. Ugh that stuff would scare the crap outta me, good for you guys for staring it down and beating it!

My per-capita net worth was just cut in half :-(  But just crossed a multiple of $100k, so I've got that going for me, which is nice!
Title: Re: Celebrations Thread
Post by: jordanread on June 20, 2014, 02:30:32 PM
It's happening. Slowly but surely, without very much pressure at all from me. My SO is becoming a Mustachian...all on her own (kind of).

Today she asked me what I thought about getting a clothesline so we don't use the dryer. It's only to off-set the cost of the A/C (which I still haven't installed this year) she said. When I discussed it last year, she kind of dismissed it. *big dopey grin*

A few weeks back I told her about Ottawa's (I think)  thread on Mustachian Saturdays, and how cool it was he made his own sunscreen and chap stick. She didn't seem that interested, and didn't even read the thread. This afternoon, she mentions that she was looking at ways to make our own lotion.

This is happening. I think I got her finally to believe that we're only a few years away. YES!!!!
Title: Re: Celebrations Thread
Post by: arebelspy on June 20, 2014, 03:02:45 PM
It's happening. Slowly but surely, without very much pressure at all from me. My SO is becoming a Mustachian...all on her own (kind of).

Today she asked me what I thought about getting a clothesline so we don't use the dryer. It's only to off-set the cost of the A/C (which I still haven't installed this year) she said. When I discussed it last year, she kind of dismissed it. *big dopey grin*

A few weeks back I told her about Ottawa's (I think)  thread on Mustachian Saturdays, and how cool it was he made his own sunscreen and chap stick. She didn't seem that interested, and didn't even read the thread. This afternoon, she mentions that she was looking at ways to make our own lotion.

This is happening. I think I got her finally to believe that we're only a few years away. YES!!!!

Nice!  That's so huge.  Two people working together make such rapid progress.
Title: Re: Celebrations Thread
Post by: jordanread on June 20, 2014, 03:06:17 PM
It's happening. Slowly but surely, without very much pressure at all from me. My SO is becoming a Mustachian...all on her own (kind of).

Today she asked me what I thought about getting a clothesline so we don't use the dryer. It's only to off-set the cost of the A/C (which I still haven't installed this year) she said. When I discussed it last year, she kind of dismissed it. *big dopey grin*

A few weeks back I told her about Ottawa's (I think)  thread on Mustachian Saturdays, and how cool it was he made his own sunscreen and chap stick. She didn't seem that interested, and didn't even read the thread. This afternoon, she mentions that she was looking at ways to make our own lotion.

This is happening. I think I got her finally to believe that we're only a few years away. YES!!!!

Nice!  That's so huge.  Two people working together make such rapid progress.

Ain't that the truth. That was one of the secrets to getting her on board with the whole FIRE thing. I initially said I only needed to work until I was 36, and she could retire next year. She looked at the numbers, and started to realize I wasn't just giving her shit. Then she started thinking about retirement. Decided she'd get bored and will continue to work until we can both retire. Brought it down by 1.5 years. And that's not including cutting anything extra, like she has been doing! I'm so freaking stoked!!
Title: Re: Celebrations Thread
Post by: Credaholic on June 20, 2014, 07:58:24 PM
Last month our energy bill was 805 ringgit or USD $251!  We all studied the bill and decided on a plan: install window screens, buy fans and strategically position near windows, and turn off the air conditioning for good. 

You know who kept us on track when going to bed in 32degC/90degF heat?  Our 8 year old son.  He'd say, "No dad you CAN'T turn on the air conditioning, what about the power bill?" 

On a few nights my husband still squeezed in some air con on the sly for a few hours at a time when it was unbearable.  When we had friends over for a homemade pizza dinner (byo topping), we turned the air con on as well.  Other than that, we went air-con free. 

The latest energy bill arrived last week.  After looking at the bill, we took our son out to a Burger King (his favorite) to celebrate and shower high praise and plentiful compliments upon him for his inspiring leadership:  our latest bill was RM344 ($107).

We still have work to do - can install more screens and a few more fans.  But ... progress not perfection right?

Love this story, your son sounds awesome!
Title: Re: Celebrations Thread
Post by: 1967mama on June 21, 2014, 03:05:33 AM
I got a bike! I'm pushing 50 and I felt like a 10 year old zipping around on the silly thing! Thanks, MMM!
Title: Re: Celebrations Thread
Post by: T-Rex on June 22, 2014, 06:35:42 AM
I have zero debt now that I completely paid off my car loan today.
Title: Re: Celebrations Thread
Post by: Zamboni on June 22, 2014, 06:46:02 AM
^congrats!  Zero debt is a big milestone!
Title: Re: Celebrations Thread
Post by: ichangedmyname on June 22, 2014, 11:38:44 AM
Congrats on being debt-free! That is awesome :D

My 401k broke $5k today and it was barely over $1k at the start of the year. :D
Title: Re: Celebrations Thread
Post by: T-Rex on June 25, 2014, 08:53:27 AM
^congrats!  Zero debt is a big milestone!

Yes, I don't want it to change!
Title: Re: Celebrations Thread
Post by: smalllife on June 25, 2014, 09:20:38 AM
A fellow co worker tested the waters of bike commuting earlier this week (3 mi each way) and plans to do so again tomorrow.  Yet another co worker is buying a used bike, having found a less hilly method than her current car/walk commute.  We are a small office, so this is huge!
Title: Re: Celebrations Thread
Post by: Daniel on June 25, 2014, 09:45:29 AM
I did my first bus/bike combo commute. After too many excuses, one of our cars broke down and I bit the bullet. I won't be doing full bike yet (it's 12 miles each way), but the bus is free, and the biking is nice. In a few weeks, I suspect I'll get my biking muscles up to snuff enough to go the whole way. Makes me feel like I need to get a nice used road bike though....
Title: Re: Celebrations Thread
Post by: HairyUpperLip on June 25, 2014, 02:30:13 PM
Damn - free bus rides. That's awesome
Title: Re: Celebrations Thread
Post by: Daniel on June 25, 2014, 04:34:30 PM
Damn - free bus rides. That's awesome

The secret is to marry someone who works for the bus company...gotta love those non-traditional benefits.
Title: Re: Celebrations Thread
Post by: OptimizeOptimism on June 25, 2014, 11:07:28 PM
Today was Bike to Work Day in my area. Took that as a sign to finally tackle my commute. It's now 11 pm and I'm laying on the couch wondering when my sitbones will stop aching but very very proud of myself.

I love reading everyone else's accomplishments too! It makes me feel like celebrating just for finding such an inspiring community of people!
Title: Re: Celebrations Thread
Post by: inmotion on June 26, 2014, 12:38:21 PM
Great successes!! Fun to read!

About to cross the 9000k mark on my commuter bike... at 41 it feels good to be able to ride hard still and enjoy every minute of it!

Have a great Thursday!

IM
Title: Re: Celebrations Thread
Post by: justchristine on June 26, 2014, 07:44:19 PM
I got an unexpected 5.5% raise this week.  This was after an unusually large year end raise of 6%.  That's the biggest yearly increase I've ever gotten without switching jobs.
Title: Re: Celebrations Thread
Post by: arebelspy on June 26, 2014, 11:48:12 PM
I got an unexpected 5.5% raise this week.  This was after an unusually large year end raise of 6%.  That's the biggest yearly increase I've ever gotten without switching jobs.

Wow, double digit increase in one year, well done!  They must like you.  :)
Title: Re: Celebrations Thread
Post by: Mr Dumpster Stache on June 27, 2014, 08:02:39 AM
I rode my bike to work every day this week!
Title: Re: Celebrations Thread
Post by: MandyM on June 27, 2014, 11:28:04 AM
I renewed my PE license this month and when I got my updated certificate I noticed that it expires 6/30/2016. By that point, I should be FI, possibly RE and I will have to decide whether to keep it current or not.
Title: Re: Celebrations Thread
Post by: jordanread on June 27, 2014, 11:54:17 AM
I rode my bike to work every day this week!

Way to go!!
Title: Re: Celebrations Thread
Post by: 1967mama on June 28, 2014, 06:09:18 PM
Hubs got a bonus at work! wahoo!
Title: Re: Celebrations Thread
Post by: arebelspy on June 29, 2014, 10:13:47 AM
Our January to June spending was about 25% lower this year than last year.

Nice!

Now the fun part: calculate how big your stache would have had to be for the old spending level (25 times your Jan-June 2013 spending x 2, since it's only six months versus 25 times this year's Jan-June 2014 spending x 2) and see how much less money you need saved to support your new spending.  Then calculate how many YEARS of work you saved by not needing to build up that unnecessary money.  :D
Title: Re: Celebrations Thread
Post by: karaishere on June 30, 2014, 10:30:00 AM
Guys, it's happening. My talk of saving and investing money is getting through to my husband.

My husband opened a Roth IRA with Vanguard yesterday, putting in the initial investment and set up monthly automatic investments! BUT IT GETS EVEN BETTER, he also signed up for the savings plan at his part time job (it's invested into a Target Retirement fund) because "I mind as well try to put away more, even if I don't make very much at this job."
Title: Re: Celebrations Thread
Post by: jordanread on June 30, 2014, 10:58:04 AM
Guys, it's happening. My talk of saving and investing money is getting through to my husband.

My husband opened a Roth IRA with Vanguard yesterday, putting in the initial investment and set up monthly automatic investments! BUT IT GETS EVEN BETTER, he also signed up for the savings plan at his part time job (it's invested into a Target Retirement fund) because "I mind as well try to put away more, even if I don't make very much at this job."

I love hearing things like this. I'm going through the same thing with my SO, and it's awesome as they get on board.
Title: Re: Celebrations Thread
Post by: G-dog on June 30, 2014, 05:50:21 PM
Congratulations to everyone Upthread!
  Items I am celebrating:
- earlier this year I became debt-free
- in April, I started a personal Vanguard account to stop sitting on cash and start investing (besides the work 401K, CDs, etc.)
- I just started a Roth IRA on Vanguard -- I had always believed that our AGI was too high, either the limit moved up (possible), or I could have done this earlier and didn't (stupid/stupid/stupid)
- I am ALMOST to $1MM in investments & cash (not including the house, which honestly isn't worth that much...) -- about another $75K to go.... I hope to post a celebration at meeting the million level by the end of 2014!
- earlier this year I started recording all my spending
- I also have a "work days" remaining countdown file for my current job I will retire from in April 2015 (a promise to myself that I will leave that job!)
Title: Re: Celebrations Thread
Post by: so.mpls on July 01, 2014, 10:25:20 AM
I got a raise at work today.  Not a huge bump, but I've only been for 6 months and wasn't expecting anything.  Either way, $70 more per month for the 'stache and a few months closer to ER!
Title: Re: Celebrations Thread
Post by: KatieSSS on July 01, 2014, 01:45:07 PM
Celebrating a few things that happened in June:

--Maxed out Roth IRA for the first time ever
--Sold my car and put the $3k directly towards savings
--Got emergency fund up to 6 months of expenses
--Increased my work-retirement contributions to 20% (up from 10%)

It is amazing what I've been able to do now that I'm debt free!

Oh, and my investment numbers are just shy of $50,000. Two years ago at this time I had that much in DEBT. :)
Title: Re: Celebrations Thread
Post by: arebelspy on July 01, 2014, 01:53:49 PM
Celebrating a few things that happened in June:

--Maxed out Roth IRA for the first time ever
--Sold my car and put the $3k directly towards savings
--Got emergency fund up to 6 months of expenses
--Increased my work-retirement contributions to 20% (up from 10%)

It is amazing what I've been able to do now that I'm debt free!

Oh, and my investment numbers are just shy of $50,000. Two years ago at this time I had that much in DEBT. :)

That's quite the two year turn-around, and the fact that you're still making progress as evidenced by your awesome June is amazing.  Way to go!  :)
Title: Re: Celebrations Thread
Post by: KatieSSS on July 01, 2014, 02:07:20 PM
Celebrating a few things that happened in June:

--Maxed out Roth IRA for the first time ever
--Sold my car and put the $3k directly towards savings
--Got emergency fund up to 6 months of expenses
--Increased my work-retirement contributions to 20% (up from 10%)

It is amazing what I've been able to do now that I'm debt free!

Oh, and my investment numbers are just shy of $50,000. Two years ago at this time I had that much in DEBT. :)

That's quite the two year turn-around, and the fact that you're still making progress as evidenced by your awesome June is amazing.  Way to go!  :)

Thanks! Seeing the progress is half the fun, too!
Title: Re: Celebrations Thread
Post by: frugalJD on July 02, 2014, 10:35:29 AM
I got a 5.9% raise at work :)

I was expecting 3%.  It's not huge, but I'm happy.  Now the fun part of deciding how to use it (extra mortgage payment, 401k, or Roth IRA).

Great topic, lots of good reads in this thread.

-JD
Title: Re: Celebrations Thread
Post by: MandyM on July 02, 2014, 12:32:45 PM
I got a 5.9% raise at work :)

I was expecting 3%.  It's not huge, but I'm happy.  Now the fun part of deciding how to use it (extra mortgage payment, 401k, or Roth IRA).

Great topic, lots of good reads in this thread.

-JD

Congrats! I'm waiting to hear what kind of raise I'm getting and I'd be pretty happy with 5.9%.
Title: Re: Celebrations Thread
Post by: frugalJD on July 02, 2014, 05:21:56 PM
Thanks! I hope you get some good news soon.

JD
Title: Re: Celebrations Thread
Post by: G-dog on July 02, 2014, 05:55:28 PM
I got a 5.9% raise at work :)

I was expecting 3%.  It's not huge, but I'm happy.  Now the fun part of deciding how to use it (extra mortgage payment, 401k, or Roth IRA).

Great topic, lots of good reads in this thread.

-JD

Congratulations! I think that is way above average - my work has just been keeping up with ~ COL.  You are rocking' it!
Title: Re: Celebrations Thread
Post by: NinetyFour on July 03, 2014, 06:44:14 AM
Just updated the spreadsheets.

In the past 9.5 months, my Net Worth has increased by $104,764.99.

And my Net Worth has, for the first time, surpassed $400,000.

$400,879.11 to be exact!!
Title: Re: Celebrations Thread
Post by: G-dog on July 03, 2014, 02:30:34 PM
Just updated the spreadsheets.

In the past 9.5 months, my Net Worth has increased by $104,764.99.

And my Net Worth has, for the first time, surpassed $400,000.

$400,879.11 to be exact!!

WOW!  Excellent! That is amazing - congratulations.
Title: Re: Celebrations Thread
Post by: Grid on July 03, 2014, 10:05:43 PM
Just updated the spreadsheets.

In the past 9.5 months, my Net Worth has increased by $104,764.99.

And my Net Worth has, for the first time, surpassed $400,000.

$400,879.11 to be exact!!

Well that's a stunning set of figures.  I just got on here to celebrate that I biked my first trip to a social gathering today.  7 miles round-trip.  Riding back on the city streets was amazing - almost no cars.
Title: Re: Celebrations Thread
Post by: EK on July 05, 2014, 07:40:37 PM
Woo hooo!! I just sent the final payment to my student loan!!! Now I get to decide what to do with all the extra money I'm going to have to play with when I NEVER HAVE TO PAY MY LOANS AGAIN!!! The loan has been a part of my entire adult life up until now, it will almost feel strange to make a budget without a line for my loan!!
Title: Re: Celebrations Thread
Post by: iris lily on July 05, 2014, 10:31:44 PM
Woo hooo!! I just sent the final payment to my student loan!!! Now I get to decide what to do with all the extra money I'm going to have to play with when I NEVER HAVE TO PAY MY LOANS AGAIN!!! The loan has been a part of my entire adult life up until now, it will almost feel strange to make a budget without a line for my loan!!
That is a major accomplishment, good for you!!!!!!!!!!!!
Title: Re: Celebrations Thread
Post by: rax on July 06, 2014, 02:53:24 AM
Yesterday I managed to explain it all to a friend. With graphs, saving rates, interest rates and all. And he got it.

This was a triumph.
I'm making a note here, huge success.
It's hard to overstate my satisfaction.
Title: Re: Celebrations Thread
Post by: NinetyFour on July 06, 2014, 07:49:51 AM
That's great, rax.  You must have done a good job explaining it.  When I try to talk about this stuff with friends/co-workers, they might just give me a polite little smile (as if to briefly acknowledge my weird little hobby) and then they start talking about something else.
Title: Re: Celebrations Thread
Post by: pachnik on July 06, 2014, 07:59:31 AM
I love this thread!  Where do I start!  Congratulations 94 on being $400,000.00 + and to EK about student loans going bye-bye!  And to rax for spreading the word. 

My husband is doing better financially just by I guess me doing things in a more MMM way.  I really changed once I got here.  He has changed too.  For example, just before we left for our vacation he signed up for his work's RRSP plan.  It isn't a huge amount but it gets the habit of saving started.   Plus, while we are on vacation he's looking at ways to save $ on eating out. 

Keep 'em coming on this thread, folks.
Title: Re: Celebrations Thread
Post by: NinetyFour on July 06, 2014, 08:13:06 AM
Thanks, pachnik!

That's great that your husband is getting on board and learning from you!

Enjoy the rest of your time in Montreal, and safe travels back home.
Title: Re: Celebrations Thread
Post by: karaishere on July 06, 2014, 09:06:48 AM
My husband is doing better financially just by I guess me doing things in a more MMM way.  I really changed once I got here.  He has changed too.  For example, just before we left for our vacation he signed up for his work's RRSP plan.  It isn't a huge amount but it gets the habit of saving started.   Plus, while we are on vacation he's looking at ways to save $ on eating out. 

Keep 'em coming on this thread, folks.
It's a great feeling when the husband gets on board, isn't it? Mine just opened up retirement accounts too. :)
Title: Re: Celebrations Thread
Post by: Malaysia41 on July 07, 2014, 06:38:36 AM
Woo hooo!! I just sent the final payment to my student loan!!! Now I get to decide what to do with all the extra money I'm going to have to play with when I NEVER HAVE TO PAY MY LOANS AGAIN!!! The loan has been a part of my entire adult life up until now, it will almost feel strange to make a budget without a line for my loan!!
By 'play' you mean, invest?  :). 
Title: Re: Celebrations Thread
Post by: EK on July 07, 2014, 06:47:26 AM
Woo hooo!! I just sent the final payment to my student loan!!! Now I get to decide what to do with all the extra money I'm going to have to play with when I NEVER HAVE TO PAY MY LOANS AGAIN!!! The loan has been a part of my entire adult life up until now, it will almost feel strange to make a budget without a line for my loan!!
By 'play' you mean, invest?  :).

Of course! What else!?
Title: Re: Celebrations Thread
Post by: KatieSSS on July 07, 2014, 11:29:07 AM
Woo hooo!! I just sent the final payment to my student loan!!! Now I get to decide what to do with all the extra money I'm going to have to play with when I NEVER HAVE TO PAY MY LOANS AGAIN!!! The loan has been a part of my entire adult life up until now, it will almost feel strange to make a budget without a line for my loan!!
By 'play' you mean, invest?  :).

Of course! What else!?

Congrats, EK! I know exactly how you feel and it is amazing. Bask in the glory :)

Then make a plan to put your dollars to work earning you more money. You'll see your net worth skyrocket and you'll barely have to lift a finger.
Title: Re: Celebrations Thread
Post by: ketchup on July 07, 2014, 12:08:40 PM
Yesterday I managed to explain it all to a friend. With graphs, saving rates, interest rates and all. And he got it.

This was a triumph.
I'm making a note here, huge success.
It's hard to overstate my satisfaction.
We do what we must, because we can.
Title: Re: Celebrations Thread
Post by: jordanread on July 07, 2014, 03:45:03 PM
Yesterday I managed to explain it all to a friend. With graphs, saving rates, interest rates and all. And he got it.

This was a triumph.
I'm making a note here, huge success.
It's hard to overstate my satisfaction.

I'd be very interested in seeing those graphs and what not. I have a relatively solid method which is just a spreadsheet, but it lets me figure out if they understand it or don't. Was this person resistant to the idea and you turned them, or neutral, or what? I love hearing stories like this, and details would be awesome.
Title: Re: Celebrations Thread
Post by: Jill P on July 07, 2014, 05:34:43 PM
My husband is doing better financially just by I guess me doing things in a more MMM way.  I really changed once I got here.  He has changed too.  For example, just before we left for our vacation he signed up for his work's RRSP plan.  It isn't a huge amount but it gets the habit of saving started.   Plus, while we are on vacation he's looking at ways to save $ on eating out. 

Keep 'em coming on this thread, folks.
It's a great feeling when the husband gets on board, isn't it? Mine just opened up retirement accounts too. :)

Great!  It's so good that your husbands see that prudent living now will pay off in spades for the future.  Congrats on leading your family down such a terrific path. 
Title: Re: Celebrations Thread
Post by: Heather in Ottawa on July 08, 2014, 08:51:17 PM
Good job EK! Debt-free is THE BEST. One less bill, and a step towards no more debt at all.

Here's mine: I turned our 5 year old gas-guzzling Jeep into a new Honda Fit and $500 today. Yes, new cars deserve a facepunch, but there were a few reasons we went new:
-a clean bill of automotive health (husband, especially, doesn't trust the type of person who might own an entry-level compact hatchback to take good care of it),
-silly tax rules that favour dealers over private sale (basically a 13% advantage to dealers),
-some good customer incentives on right now as the redesigned 2015s are about to arrive.
-Plus, we're now at that point (house paid for, saving like mad) where we can indulge in a few luxuries... No hair on fire here.

I'm looking forward to:
-chopping our gasoline bill in half (we mostly ride bikes, but the new car will still save about $600 per year in fuel costs),
-avoiding the repair bills that might have been looming on the Jeep (my husband used to drive it to work, we did some big roadtrips, and it had 118000 kms),
-fitting it in the garage much more easily to keep it protected from weather, and generally taking good care of it. This car will be with us a long time!

We've grown much more frugal since buying the Jeep, which no longer suited us. Thanks to MMM and forum people for providing a little extra push in deciding to get free of that excessive Jeep!
Title: Re: Celebrations Thread
Post by: chasesfish on July 10, 2014, 04:41:54 AM
Made it ten years of marriage today...that's cause for celebration
Title: Re: Celebrations Thread
Post by: grantmeaname on July 10, 2014, 04:42:48 AM
Indeed! Congrats!
Title: Re: Celebrations Thread
Post by: minimos on July 10, 2014, 07:06:14 AM
Just changed my 401k contribution percentage to max it out this year.  This is the first year I've ever maxed it out! Yay!

This follows our household net worth crossing into positive territory for the first time last month.
Feeling like these were two huge accomplishments !
Title: Re: Celebrations Thread
Post by: Debshep2006 on July 10, 2014, 11:22:48 AM
Hello All
Thank you for being supportative.  I just arrived to this website 6 months ago and after setting a goal of eliminating all of my credit card and student loans, totalling $55,000.  I am proud to say that I am over 60% of the way there and have put over $35,000 dollars to debt.  My goal is by Feb 2015.  My student loan and 3 credit cards were eliminated.  I have only one credit card left to go.  I am cash/debt card only for the last 6 months which has been one of the biggest mind shifting tools to help me.

thanks for letting me share.  It is difficult to tell anybody else.
Title: Re: Celebrations Thread
Post by: arebelspy on July 10, 2014, 11:27:30 AM
Hello All
Thank you for being supportative.  I just arrived to this website 6 months ago and after setting a goal of eliminating all of my credit card and student loans, totalling $55,000.  I am proud to say that I am over 60% of the way there and have put over $35,000 dollars to debt.  My goal is by Feb 2015.  My student loan and 3 credit cards were eliminated.  I have only one credit card left to go.  I am cash/debt card only for the last 6 months which has been one of the biggest mind shifting tools to help me.

thanks for letting me share.  It is difficult to tell anybody else.

Congrats Deb, that's great progress!  You'll be debt free before you know it, and then it's onto bigger and better goals!
Title: Re: Celebrations Thread
Post by: NinetyFour on July 10, 2014, 12:12:13 PM
Hello All
Thank you for being supportative.  I just arrived to this website 6 months ago and after setting a goal of eliminating all of my credit card and student loans, totalling $55,000.  I am proud to say that I am over 60% of the way there and have put over $35,000 dollars to debt.  My goal is by Feb 2015.  My student loan and 3 credit cards were eliminated.  I have only one credit card left to go.  I am cash/debt card only for the last 6 months which has been one of the biggest mind shifting tools to help me.

thanks for letting me share.  It is difficult to tell anybody else.

That is awesome work, Debshep2006!!  Must be great to see that debt number shrinking so significantly!
Title: Re: Celebrations Thread
Post by: Tempe on July 10, 2014, 07:20:59 PM
Guys, it's happening. My talk of saving and investing money is getting through to my husband.

My husband opened a Roth IRA with Vanguard yesterday, putting in the initial investment and set up monthly automatic investments! BUT IT GETS EVEN BETTER, he also signed up for the savings plan at his part time job (it's invested into a Target Retirement fund) because "I mind as well try to put away more, even if I don't make very much at this job."
Congrats! When my bf started a new job I asked to see in his log in what info there was on the 401k. I read about it and then went over it with him, he got excited with the 6% matching of various percentages. I think by this point he has gotten a free 1-2k from it all in the last year. He also started looking at some compound interest calculators and got excited about that. I wish I could get into the 15% off the company stock there  his work has going on.
Title: Re: Celebrations Thread
Post by: Daisy on July 10, 2014, 10:53:13 PM
I finally got a decent offer on the house I am selling! We have a signed contract and will close in a month. There was a competing contract at a much lower price that came in a little after. They just agreed to the higher price the current signed offer agreed to...in case stuff falls through before the closing.

So I'm feeling pretty good about this as I have a signed contract and a backup offer.

Once I sell this baby, I can pay off the existing mortgage, the HELOC I took out on the equity to buy my new place mortgage-free (thanks for the idea MMM!), and one step closer to the FIRE. Actually, one foot in FIRE Land and and the other foot in OMY City.
Title: Re: Celebrations Thread
Post by: NinetyFour on July 11, 2014, 12:22:01 AM
Congrats, Daisy!  Hope the sale goes through without a hitch!
Title: Re: Celebrations Thread
Post by: rocksinmyhead on July 11, 2014, 07:07:58 AM
Woo hooo!! I just sent the final payment to my student loan!!! Now I get to decide what to do with all the extra money I'm going to have to play with when I NEVER HAVE TO PAY MY LOANS AGAIN!!! The loan has been a part of my entire adult life up until now, it will almost feel strange to make a budget without a line for my loan!!

I just did this today!!! I'M SO EXCITED!!!!!! When I finished grad school and started my job in 2012 I had ~$70k in student loans. Really I should probably have been able to pay them off faster since I make really good money, but I am working on becoming more mustachian, and I'm just so glad they're done!! I can't wait to put my money to work in more efficient ways! (okay, and probably save up for a unmustachian-but-modest-by-normal-standards wedding)
Title: Re: Celebrations Thread
Post by: karaishere on July 11, 2014, 08:44:01 AM
I logged into Mint today and saw that our net worth is over $200,000 (doesn't include house or vehicles). I knew it would happen with this paycheck, but it still feels good. Also, I threw an extra $3000 into Vanguard. :)
Title: Re: Celebrations Thread
Post by: NinetyFour on July 11, 2014, 09:45:26 AM
Woo hooo!! I just sent the final payment to my student loan!!! Now I get to decide what to do with all the extra money I'm going to have to play with when I NEVER HAVE TO PAY MY LOANS AGAIN!!! The loan has been a part of my entire adult life up until now, it will almost feel strange to make a budget without a line for my loan!!

I just did this today!!! I'M SO EXCITED!!!!!! When I finished grad school and started my job in 2012 I had ~$70k in student loans. Really I should probably have been able to pay them off faster since I make really good money, but I am working on becoming more mustachian, and I'm just so glad they're done!! I can't wait to put my money to work in more efficient ways! (okay, and probably save up for a unmustachian-but-modest-by-normal-standards wedding)

Great job, rocks!!  Huge accomplishment!
Title: Re: Celebrations Thread
Post by: NinetyFour on July 11, 2014, 09:47:06 AM
I logged into Mint today and saw that our net worth is over $200,000 (doesn't include house or vehicles). I knew it would happen with this paycheck, but it still feels good. Also, I threw an extra $3000 into Vanguard. :)

Nice milestone, karaishere!  I bet the next one will be easier and quicker!
Title: Re: Celebrations Thread
Post by: arebelspy on July 11, 2014, 11:08:33 AM
I just did this today!!! I'M SO EXCITED!!!!!! When I finished grad school and started my job in 2012 I had ~$70k in student loans. Really I should probably have been able to pay them off faster since I make really good money, but I am working on becoming more mustachian, and I'm just so glad they're done!! I can't wait to put my money to work in more efficient ways! (okay, and probably save up for a unmustachian-but-modest-by-normal-standards wedding)

Nice!  70k in two years is awesome.  :)

I logged into Mint today and saw that our net worth is over $200,000 (doesn't include house or vehicles). I knew it would happen with this paycheck, but it still feels good. Also, I threw an extra $3000 into Vanguard. :)

Congrats on being a seperlima-millionaire! (1/5th)  :D
Title: Re: Celebrations Thread
Post by: zinethstache on July 11, 2014, 01:40:32 PM
Congrats to all Celebrations Thread posters! I have finally had a significant financial change to post here, I am so excited:)

DH and I just closed on our third rental. This one was a big deal for us as it is a 4 plex. We now have 3 rentals, all multi's. Our NW is now just under 900k. I figure it will be next year before we will hit that first tier 1m.

Passive income pays all living and now some discretionary spending. 66% of our current cushy budget is paid for by our rental income. We started on our journey 3 years ago, We took most of the first year to learn and plan, but did make a purchase that December. Last year we acquired #2 in April. We were trying for #3 as early as last September, but boy is the market tough. We had a short sale go sour when the property was vandalized, I just knew as the months went by it was at risk of that... and wham, it happened, putting us back into shopping mode.

Our goal is 5k net rental income/mo. ok that is my conservative goal, DH is dreaming big and wants 10k. I don't want that much work, how is that retired living and it certainly isn't flying below the radar with that kind of cashflow. We should hit 5k in 2 ish more multi's. Depends on size/cost/mortgage interest etc. I don't think our monthly spend goal in FI will be much smaller than what we live on now. Because once I am no longer working for the man, we will have to cover medical costs, which will put us right back up to what we spend now -thank you ACA. I am still ok with that and feel we are on track for us to be fully retired by 50. DH retired in 2011 and he's the rental property investor, plotter and schemer. My role is to have us save, save, save every penny I earn for the next purchase. We are 46 now, so that's 4 years to hit our goal, I think it is reasonable and very achievable.

We live in a high COLA and I work in IT with a nice salary to support us as we transition to our new life... We have some major challenges we face but are working through them one issue at a time....

I feel like I just shouted that in all caps, thank you for reading:)
Title: Re: Celebrations Thread
Post by: karaishere on July 11, 2014, 02:01:38 PM
I logged into Mint today and saw that our net worth is over $200,000 (doesn't include house or vehicles). I knew it would happen with this paycheck, but it still feels good. Also, I threw an extra $3000 into Vanguard. :)

Nice milestone, karaishere!  I bet the next one will be easier and quicker!
Thanks! I think so too. :)

I logged into Mint today and saw that our net worth is over $200,000 (doesn't include house or vehicles). I knew it would happen with this paycheck, but it still feels good. Also, I threw an extra $3000 into Vanguard. :)

Congrats on being a seperlima-millionaire! (1/5th)  :D
Thanks! I've never heard that one before...but I am looking forward to reaching the quarter mark. Should be easy. ;)
Title: Re: Celebrations Thread
Post by: CU Tiger on July 12, 2014, 08:28:07 AM
We had the house weatherproofed. When they came in and did the test (the one where they hook a fan up in the door and see how "air tight" your house is) we found out we were living in a sieve! So we paid for the weatherproofing and insulation, and we are hoping that we will be more comfortable from now on. I am not even that concerned with lowering the electricity/gas bill, I just want to be comfortable when I am using the heating/ac. Last year we could not even use the upper floor of the house in winter or summer. But since the good state of Maryland also gives us a tax break for increasing our energy efficiency, YAY for that.
Title: Re: Celebrations Thread
Post by: Todd on July 14, 2014, 03:46:09 PM
In the past month, we have completely paid off two student loans ($26K).

A HUGE reason that we could do this is because we've been sitting on cash - (why, I don't know) - rather than flushing this student debt down the toilet.

After getting some empowerment from MMM, we pulled the trigger and made these awful debts disappear forever.

Thanks,

Todd
Title: Re: Celebrations Thread
Post by: Jon_Snow on July 14, 2014, 07:36:07 PM
Well, today was the day... I officially gave notice to my employer. My knees were weak and my heart pounding as I ascended the stairs to where my bosses reside in our office. I started with some lame small talk, but sensed I should just get on with it. I told them I was leaving the company. Everyone took it remarkably well. I think I had dropped enough hints over the years that it wasn't a big surprise. No attempts to convince me to stay. But there was the repeated, perplexed question: "What are you going to do all day?"

Whatever I want. Starting in 7 weeks, at 42 years old, I will become one of the FIRE'd. :)
Title: Re: Celebrations Thread
Post by: Suit on July 14, 2014, 07:38:39 PM
Congrats Jon_Snow!!!
Title: Re: Celebrations Thread
Post by: NinetyFour on July 14, 2014, 07:58:01 PM
Great news, Jon_Snow!!  Huge congrats!!

And what WILL you do all day??  :)
Title: Re: Celebrations Thread
Post by: HappierAtHome on July 14, 2014, 08:15:31 PM
Well, today was the day... I officially gave notice to my employer. My knees were weak and my heart pounding as I ascended the stairs to where my bosses reside in our office. I started with some lame small talk, but sensed I should just get on with it. I told them I was leaving the company. Everyone took it remarkably well. I think I had dropped enough hints over the years that it wasn't a big surprise. No attempts to convince me to stay. But there was the repeated, perplexed question: "What are you going to do all day?"

Whatever I want. Starting in 7 weeks, at 42 years old, I will become one of the FIRE'd. :)

THIS IS HUGE!! Congrats!
Title: Re: Celebrations Thread
Post by: rocksinmyhead on July 14, 2014, 08:16:48 PM
Congrats on being a seperlima-millionaire! (1/5th)  :D

now I'm also celebrating having learned a new word today! LOL.

and congrats to everyone else! zinethstache, sounds like you guys are doing awesome... so exciting!!! Jon_Snow, you've been talking about this for a while and it sounds like your ER lifestyle is going to be awesome, so pumped for you that you have pulled the trigger and put it in motion!!!!!! "what are you going to do all day"... bahahahaha.

you are all so motivational :)
Title: Re: Celebrations Thread
Post by: Daisy on July 14, 2014, 08:28:46 PM
But there was the repeated, perplexed question: "What are you going to do all day?"

Whatever I want. Starting in 7 weeks, at 42 years old, I will become one of the FIRE'd. :)

You will start your blog, of course! You'll have to somehow find time to squeeze in writing on your blog in between your amazing kayak excursions. Can't wait to read it!

Congrats!
Title: Re: Celebrations Thread
Post by: Jon_Snow on July 15, 2014, 04:30:20 PM
Wow, thanks for the kind words and encouragement fellow Mustachians! Daisy, starting to jot ideas for my blog down on paper. Need to determine if my life is interesting enough to justify a blog. :)

Today was my first day back at work since informing the corporation of my imminent departure. Very odd to be on the job site - I feel as though I have already mentally checked out. Going to be the slowest 2 months of my life. And my leaving doesn't seem to made the rounds yet - but I know the avalanche of reaction and puzzlement is going to start very soon. Suggestions that I will be a "kept man" are really going to irritate me I suspect.

I was wondering this morning now that my FIRE'ism is close to a reality, would I be hanging around on these forums as much. After all, Mustachianism seems like to vehicle to GET FIRE'd. But having considered the question more, I think I will hang around here to ensure I STAY FIRE'd. Having to go back to work would be a real bummer. ;)
Title: Re: Celebrations Thread
Post by: FiveSigmas on July 16, 2014, 12:33:03 AM
I was wondering this morning now that my FIRE'ism is close to a reality, would I be hanging around on these forums as much. After all, Mustachianism seems like to vehicle to GET FIRE'd. But having considered the question more, I think I will hang around here to ensure I STAY FIRE'd. Having to go back to work would be a real bummer. ;)

Please do -- I'd love to hear more about your experiences in the times to come and how they compare/contrast with FrankH, Nords, and others. Anyway, congrats on pulling the trigger!
Title: Re: Celebrations Thread
Post by: HairyUpperLip on July 16, 2014, 12:40:18 PM
Well, today was the day... I officially gave notice to my employer. My knees were weak and my heart pounding as I ascended the stairs to where my bosses reside in our office. I started with some lame small talk, but sensed I should just get on with it. I told them I was leaving the company. Everyone took it remarkably well. I think I had dropped enough hints over the years that it wasn't a big surprise. No attempts to convince me to stay. But there was the repeated, perplexed question: "What are you going to do all day?"

Whatever I want. Starting in 7 weeks, at 42 years old, I will become one of the FIRE'd. :)

Congratulations good sir.
Title: Re: Celebrations Thread
Post by: carozy on July 18, 2014, 03:13:00 PM
Congratulations to everyone on this thread and especially Jon Snow!

Today I scheduled my last debt payment!  Yay!  No more debt!  :)

Now I will concentrate on building up a cash cushion, buy a laptop, and then it's all about investing.
Title: Re: Celebrations Thread
Post by: Middlesbrough on July 19, 2014, 01:54:58 AM
Congrats Jon Snow! Loved your story.

Today, I figured out my tax budget for the year and how to maximize my situation! Whoot! Whoot!
Title: Re: Celebrations Thread
Post by: marty998 on July 20, 2014, 02:12:46 AM
This thread started when I posted in another poster's thread (Phoebe) about both of us reaching $300k at around the same time and ARS said ok lets have a sticky for everyone's achievements.

In honor of Phoebe and marty's accomplishments, I started a mini-celebrations thread here: http://www.mrmoneymustache.com/forum/welcome-to-the-forum/celebrations-thread/

I thought it was 2 years ago, but actually it wasn't, it was only 18 months. At the time I said to myself, ok, lets try and go up by $60k a year.

I think I just hit $500k last week! I wonder if Phoebe is still around? She must be close to $1m at the rate she was going....

Apartment: $495k
Loan less cash offset: ($80k)
Net shares: $35k
Super: $54k

Total $504k

wowee :0
Title: Re: Celebrations Thread
Post by: happy on July 21, 2014, 03:17:17 AM
Congrats Marty. Thats a big goalpost down. Every year since I've been MMMing my NW increase has exceeded my projections. The hot RE market has helped again for the recent fin year. I think I like being conservative so I get more excited when I do better!
Phoebes not blogging ATM - last post in April. Not sure if she's still posting/reading.
Title: Re: Celebrations Thread
Post by: G-dog on July 21, 2014, 05:00:13 PM
I just picked our first big lot of tomatoes. We've been getting a few for 6 weeks or more! but they are really starting to up yield.  It is a small thing, but it makes me feel happy and rich!
Title: Re: Celebrations Thread
Post by: sekritdino on July 21, 2014, 08:31:07 PM
Last month I paid off my ~$25,000 student loan after only 5 months! I did put a big work bonus toward it.

I have about $11,200 left on my other loan. The total for the two was about $37k. It's a lot, but definitely worth it, since I got it going back to school for a computer science degree and now I'm making about $115k per year, right out of college.
Title: Re: Celebrations Thread
Post by: 1967mama on July 28, 2014, 11:07:11 AM
Put aside $100 a month out of my cash and surprised my hubby with $800 toward our summer vacation. Doing a combination of VRBO (2 nights) and staying at a relative's 2 bedroom condo in a large city while they are away! SCORE!
Title: Re: Celebrations Thread
Post by: ender on July 29, 2014, 06:14:06 AM
Am going to hit my 401k limit on my last paycheck this month! First but hopefully not last time doing this.

No more deductions but taxes and a nominal amount for my yearly purchase of 5 days vacation :D
Title: Re: Celebrations Thread
Post by: Basenji on August 01, 2014, 05:47:57 AM
Perhaps a strange one, but I finished reading "The Four Pillars of Investing" and this weekend we are going to pull out all our accounts and start moving things around in our retirement funds to do proper asset allocation. We hadn't done too badly with diversification but now we'll be knowledgably badass.
Title: Re: Celebrations Thread
Post by: pachnik on August 01, 2014, 07:38:44 AM
Congratulations, Basenji.  Geting your investments allocated properly is something worth celebrating.  I know I felt really good after I got mine sorted out. Congrats!
Title: Re: Celebrations Thread
Post by: arebelspy on August 05, 2014, 11:48:36 PM
Well, today was the day... I officially gave notice to my employer. My knees were weak and my heart pounding as I ascended the stairs to where my bosses reside in our office. I started with some lame small talk, but sensed I should just get on with it. I told them I was leaving the company. Everyone took it remarkably well. I think I had dropped enough hints over the years that it wasn't a big surprise. No attempts to convince me to stay. But there was the repeated, perplexed question: "What are you going to do all day?"

Whatever I want. Starting in 7 weeks, at 42 years old, I will become one of the FIRE'd. :)

Congrats!  What an awesome feeling.

This thread started when I posted in another poster's thread (Phoebe) about both of us reaching $300k at around the same time and ARS said ok lets have a sticky for everyone's achievements.

In honor of Phoebe and marty's accomplishments, I started a mini-celebrations thread here: http://www.mrmoneymustache.com/forum/welcome-to-the-forum/celebrations-thread/

I thought it was 2 years ago, but actually it wasn't, it was only 18 months. At the time I said to myself, ok, lets try and go up by $60k a year.

I think I just hit $500k last week! I wonder if Phoebe is still around? She must be close to $1m at the rate she was going....

Apartment: $495k
Loan less cash offset: ($80k)
Net shares: $35k
Super: $54k

Total $504k

wowee :0

Well done!  Semi-Millionaire is an awesome accomplishment.  :)

I too hope Phoebe is doing well.

Title: Re: Celebrations Thread
Post by: grantmeaname on August 07, 2014, 12:40:37 AM
I just got a job offer in London! That'll be a hit to the savings rate, but what a terrific opportunity!
Congrats!  Is that for after graduation?
if everything goes well it comes with a job offer at the end!
And so it did! I'll be starting my career in London, perhaps this time next year! Yesterday was a good day!
Title: Re: Celebrations Thread
Post by: arebelspy on August 08, 2014, 08:09:25 AM
And so it did! I'll be starting my career in London, perhaps this time next year! Yesterday was a good day!

Whoo!  You must have impressed somebody.
Title: Re: Celebrations Thread
Post by: Daisy on August 11, 2014, 08:20:15 PM
I finally got a decent offer on the house I am selling! We have a signed contract and will close in a month. There was a competing contract at a much lower price that came in a little after. They just agreed to the higher price the current signed offer agreed to...in case stuff falls through before the closing.

So I'm feeling pretty good about this as I have a signed contract and a backup offer.

Once I sell this baby, I can pay off the existing mortgage, the HELOC I took out on the equity to buy my new place mortgage-free (thanks for the idea MMM!), and one step closer to the FIRE. Actually, one foot in FIRE Land and and the other foot in OMY City.

I feel a little weird quoting myself, but I wanted to post an update on the situation. My sale is closed and the keys have been turned over.

I AM MORTGAGE FREE!!! Yippee!!! I am so happy. The sky is the limit now. Bring on the super savings. Bring on the threats of layoffs. I've got FU money, am technically FI, and ready to face whatever life brings my way now.

Thanks to everyone on this forum and MMM for giving me the encouragement and the extra set of tools I needed to make this happen.
Title: Re: Celebrations Thread
Post by: arebelspy on August 11, 2014, 08:36:36 PM
Congrats!  What a great feeling.  :)
Title: Re: Celebrations Thread
Post by: Daisy on August 11, 2014, 10:29:31 PM
Congrats!  What a great feeling.  :)

Thanks! Your comment has just now inspired me to adopt a FIRE theme song:

https://www.youtube.com/watch?v=ILWSp0m9G2U

I may or may not have recreated the studio dance scene in my home just now...
Title: Re: Celebrations Thread
Post by: kittystache on August 14, 2014, 12:22:10 PM
New Mustacian here! 

I discovered the blog a couple of months ago and it has inspired some MAJOR changes in my house with more to come.  Why is this a big deal?  Because my husband and I are both well-employed and fall for the whole - "We can afford it" thing or "Time for money" thing hands down.  But what I am finding is that making these changes is really propelling us to get our values in order, communicate more and allow for better quality of life!  Money does not buy happiness.  Badassity breeds happiness and Happiness breeds happiness. 

Now ER and FI is a real goal that we can both work towards.  MMM has improved our marriage and family life!

Our recent changes:
I have passed the blog around to my friends and family - we'll see who wants to be in my new mustacian discussion club!
Title: Re: Celebrations Thread
Post by: NinetyFour on August 14, 2014, 01:44:48 PM
Wow--those are some huge changes!  Congrats on the complete turnaround in your attitudes!!  Keep up the great work!
Title: Re: Celebrations Thread
Post by: arebelspy on August 14, 2014, 07:27:53 PM
Congrats kittystache, and welcome to the forums!  Those are some awesome changes.  :)
Title: Re: Celebrations Thread
Post by: iris lily on August 14, 2014, 09:21:54 PM
great post, kitty. It really IS about values, isn't it?
Title: Re: Celebrations Thread
Post by: Jill P on August 16, 2014, 09:30:07 AM
New Mustacian here! 
  Money does not buy happiness.  Badassity breeds happiness and Happiness breeds happiness. 

Now ER and FI is a real goal that we can both work towards.  MMM has improved our marriage and family life!

Our recent changes:
    !
Great and inspiring first post!  Congrats!  It is amazing how not kowtowing to the man leads to a happier life!  It's all about deciding what works best for each of us-- and doing it, not just robotically setting out on the path that most people follow... the lemming mentality.

It's funny how in the 60"s "dropping out and turning on" and "doing your own thing" was such a mass movement, and in the 70's "looking out for number 1" was the MO of society.  But there just has not been a huge cultural movement to "do your own thing" financially-- and turn off the cable tv or bike to work, etc.     It sometimes seems that since so many people are just a train wreck financially, there is a stigma to being financially independent.   [/list]
Title: Re: Celebrations Thread
Post by: kittystache on August 18, 2014, 08:26:09 AM
Wow Jill P! What a deep post.  Yes - doing your own thing by dropping out of consumer culture is seen as crazy or not cool to say the least.   

My co-worker has a new BMW (lease!!) got her son a new car (also a BMW lease!!!) has a second home in Florida (occupied 2 months out of 12 - and NEVER rented out) and people view her and her hubby as successful because they can "afford" all that!!  Wow.  Talk about conspicuous consumption.  They are successful because the tap never turns off on their wallet spigot.    I think that she is emptying her own wallet - it is the height of stupidity.  She could stop that nonsense, quit her job TODAY and travel the world with her husband with just a few changes.  But instead she comes into a mediocre corporate job every single day. 

This is especially heinous as she has a severely disabled daughter, who is an adult, and she worries about wanting to leave money for her care when she is gone.  Then why the crazy wallet tap?  I just don't get it.  It is like there is no connection between all of this stuff in her head.

Title: Re: Celebrations Thread
Post by: bleumanchu on August 18, 2014, 05:23:53 PM
I’ve been more or less lurking since April, and had to finally share a little bit. 

I biked to work today for the first time. My commute is only 4-5 miles each way, so the savings if I biked every single day would only be about $600 annually, but it’s still a nice little change. (I have to drive off-site just often enough, and I don’t live anywhere near a Zipcar or the like so I can’t actually get rid of the car altogether).

Other changes:

- DW and I moved in July.  Our rent decreased by $400/month, and my commute went from 30.8 miles round trip to the above cited 4-5 miles.

- I’ve massively accelerated my student loan payments, and have paid over $34,000 towards my loans since May 1st. Still a long way to go (medical school, out of state), but I anticipate having them paid off by late 2016.

- DW agreed to trade in her gas hogging luxury SUV for  a much more fuel efficient wagon. We  traded in her old car and pocketed almost $8000 cash in the process.

- We were already maxing out our 401Ks, but I’ve started setting aside money to do a traditional IRA to Roth IRA conversion (“backdoor Roth”)--many thanks to the White Coat Investor site for plugging me into this.

- I picked up a side gig that looks like it may end up equating to about a 5-6% raise in gross income for me for a fairly all amount of time and extra work.

- I’ve also become hyper-aware of our spending, and have drastically cut back on unnecessary expenditures.  We're currently trying to get a handle on our grocery budget--too embarrassed to share what our monthly expenditures are, but let's just say there is room for improvement.

Still a work in progress, but we’re gathering steam!  Thanks to everybody in this community for the information and inspiration.




Sent from my mobile using Tapatalk
Title: Re: bleumanchu
Post by: kittystache on August 19, 2014, 05:31:11 AM
Good start!  It feels good to start taking steps in the right direction.  Congrats on the move and the car sale those are huge steps that are really difficult.

I had over $100k in student loans 5 years ago and paid them off within a year.  We lived on basically 1 income and all of my salary went to those loans.  When it was done, it felt great.   Our grocery bill is also embarrassing, trying to find ways to deal with that!

Title: Re: Celebrations Thread
Post by: madgeylou on August 19, 2014, 05:38:27 AM
it's very close to the 20th anniversary of when i started college, and i finally paid off my fucking student loans!!!

today i go and set my 401K contributions to 35% so that it'll be maxed out this year.

now we save for the future instead of paying back the past! amazing!!!
Title: Re: Celebrations Thread
Post by: rax on August 19, 2014, 06:49:38 AM
Yesterday I managed to explain it all to a friend. With graphs, saving rates, interest rates and all. And he got it.

This was a triumph.
I'm making a note here, huge success.
It's hard to overstate my satisfaction.

I'd be very interested in seeing those graphs and what not. I have a relatively solid method which is just a spreadsheet, but it lets me figure out if they understand it or don't. Was this person resistant to the idea and you turned them, or neutral, or what? I love hearing stories like this, and details would be awesome.

I have really nothing, just tried to make him understand a small set of key ideas using a pen and a piece of paper as support.

The first one of these ideas was that "the rewards for saving grow exponentially but they are hardly noticeable unless you stay north of 50%". At this point I used the paper to illustrate what happens over time when you save 10%, 20%, 50%, 66%, 75%, 80%, 90% and 95%  of your income. Notice that this is just a simplification of The Shockingly Simple Math Behind Early Retirement, a post from MMM that absolutely blew my mind at the time.

Once he was hooked we moved towards the concepts of annuity and SWR, then used the pen and paper to do some back of the napkin calculations to find out his "number" and how long would it take him to reach it using different variations for expenses, interest and savings rate.

IIRC the thing with what he struggled the most was thinking of his savings in terms of "years of expenses saved" and understand statements like "with a 4% interest rate you need 25 years of expenses to retire" instead of thinking in absolute numbers, but he eventually got it.

When we met again after a few days he told me he had been having trouble sleeping at night, thinking about all the implications of what I taught him :)
Have to admit though that he was actually interested in what I was up to and approached the whole thing with an open mind. Unfortunately you can lead a horse to water, but you can't make it drink.
Title: Re: Celebrations Thread
Post by: WESTOFTHEHUDSON on August 19, 2014, 09:53:52 PM
We recently sold our car and upgraded to an older one that accommodate the increased number of carseats we'll need this fall.

We made money on the transaction and just made a sweet $4,500 extra payment on the mortgage.

I am grateful to the Mustachian ways for helping me convert my husband that we did not need a new car with a payment and warranty.
Title: Re: Celebrations Thread
Post by: Verdo on August 22, 2014, 07:50:44 AM
Just made my last payment this morning on my school loan.  Tackled the remaining 12500 since June 1st. 

Only debt left is the mortgage!

Title: Re: Celebrations Thread
Post by: Emerald on August 25, 2014, 06:03:02 AM
I just hit $200K in retirement.  I finally feel like I'm making real progress.  Woot!
Title: Re: Celebrations Thread
Post by: karaishere on August 25, 2014, 06:42:09 AM
I'm been on a fixing kick lately, so in celebration of my new skills, I've repaired: my flat rear tire on my bike, my leaking washing machine door, and my kitchen aid mixer! Next up, I'll see if I can tune up my sewing machine (which is from like 1998). :)
Title: Re: Celebrations Thread
Post by: Silvie on August 25, 2014, 07:13:58 AM
Just made my last payment this morning on my school loan.

Only debt left is the mortgage!

This. Except it was a personal loan from my dad. Have been paying him back for almost 2 years (30,000 euros). This morning I paid the last 1000. Yaaaay!!!
Title: Re: Celebrations Thread
Post by: G-dog on August 25, 2014, 04:58:45 PM
I'm been on a fixing kick lately, so in celebration of my new skills, I've repaired: my flat rear tire on my bike, my leaking washing machine door, and my kitchen aid mixer! Next up, I'll see if I can tune up my sewing machine (which is from like 1998). :)

I want to move in this direction too, do some minor repairs in the house, etc.  I am still a bit scared I'll screw things up and have to pay to fix my fix! But I will get there!
Title: Re: Celebrations Thread
Post by: Joggernot on August 25, 2014, 07:39:50 PM
I think I succeeded in teaching one son about saving for retirement.  I received this email from him today.  Too bad his walking buddy doesn't really have a clue.
Quote
I e-mailed my old walking buddy from IT and asked if he had switched from putting his money into a regular 457 (like a 401k) and was now putting it into the Roth 457.  He didn't see the logic in it (he's the one who's net worth is over $2M now, from hard work and saving, but is still worried about running out of money).  So, I put together a little spreadsheet showing that since he is hoping to retire to Hawaii, the 8% income tax he'd pay, along with the decrease in SS & other benefits he'd have from having a high income, makes it a no-brainer to use the Roth now.  He was really surprised, and had thought he'd be in a lower tax bracket when he retired.  So then he sent me this logic:

When he retires, he hopes to have a pension of $6k/month.  His wife has a pension from XYZ Co. which will be about 2K per month.  They plan on holding off on SS until age 70, at which point they both will get 3K/month (they both make a little over 100k now).  So, adding up 6+2+3+3 = $14,000/month.  That's before any withdrawals from their retirement savings.  I told him he didn't have to worry about eating cat food when he was older.  It'll be a little tight between age 57 and 70, but I think they'll manage.
Title: Re: Celebrations Thread
Post by: karaishere on August 26, 2014, 09:55:10 AM
I'm been on a fixing kick lately, so in celebration of my new skills, I've repaired: my flat rear tire on my bike, my leaking washing machine door, and my kitchen aid mixer! Next up, I'll see if I can tune up my sewing machine (which is from like 1998). :)

I want to move in this direction too, do some minor repairs in the house, etc.  I am still a bit scared I'll screw things up and have to pay to fix my fix! But I will get there!

I think if you watch a few youtube videos, you'll have a better idea on if it's something you can fix yourself or not. Give it a go! It's a great confidence booster for making even more repairs! You can do it!
Title: Re: Celebrations Thread
Post by: peppermint on August 26, 2014, 03:23:47 PM
Just paid off my car loan. Boom!
Title: Re: Celebrations Thread
Post by: G-dog on August 26, 2014, 06:38:18 PM
So close! Almost to $1MM not counting the house.  Need about another $45k - I hope to cross the line thus year (even temporarily...).

Wow! It is exhilarating!
Title: Re: Celebrations Thread
Post by: V on August 28, 2014, 07:58:08 AM
I just got an 18% raise and because we save my entire paycheck our savings just increased by 18% too!
Title: Re: Celebrations Thread
Post by: Dicey on August 28, 2014, 09:25:40 AM
I'm been on a fixing kick lately, so in celebration of my new skills, I've repaired: my flat rear tire on my bike, my leaking washing machine door, and my kitchen aid mixer! Next up, I'll see if I can tune up my sewing machine (which is from like 1998). :)

I finally broke out the pre-1998 sewing machine this week after not touching it for years. I wasn't sure if I was threading it correctly, so I *gasp* checked the manual. I was surprised to see how helpful it is. I know, what a shock. There are a ton of trouble shooting tips, because most older machines are fairly simple and tend to have similar problems. If you don't have the actual manual, you can find it on line. Your other repair victories (Oh, a rear tire, extra credit for that one!) indicate you have the skill set to handle this. Also, small screwdrivers are a must. If you still have the small box that came with the machine, there may be some in it. Good luck!
Title: Re: Celebrations Thread
Post by: karaishere on August 29, 2014, 06:55:40 AM
I'm been on a fixing kick lately, so in celebration of my new skills, I've repaired: my flat rear tire on my bike, my leaking washing machine door, and my kitchen aid mixer! Next up, I'll see if I can tune up my sewing machine (which is from like 1998). :)

I finally broke out the pre-1998 sewing machine this week after not touching it for years. I wasn't sure if I was threading it correctly, so I *gasp* checked the manual. I was surprised to see how helpful it is. I know, what a shock. There are a ton of trouble shooting tips, because most older machines are fairly simple and tend to have similar problems. If you don't have the actual manual, you can find it on line. Your other repair victories (Oh, a rear tire, extra credit for that one!) indicate you have the skill set to handle this. Also, small screwdrivers are a must. If you still have the small box that came with the machine, there may be some in it. Good luck!

Great idea! I don't have the manual anymore (I suspect it's at my parents house somewhere...), but I will definitely see if I can find it online. We do own a set of small screw drivers, which I'm sure will work. Thanks!
Title: Re: Celebrations Thread
Post by: Sarita on August 30, 2014, 02:48:27 PM
I've made a LOT of changes since finding MMM but have procrastinated with switching on my phone plan.  Wanted Verizon network, looked at Pageplus, still had Verizon contract (now expired), wanted to keep my Droix Razr Maxx phone but it didn't seem to easily port over blah blah blah.

Finally resolved to change over to P+ today, and then (thanks friends!) read here that they will be shifting to allow for 'modern' phones in a few months.  So looked at Verizon to see what was currently available, and called Verizon and was able to lower my monthly rate from $103 to $38 for no contract, 1.75 GB, unlimited talk and text.

May still switch to P+ at some point, but was chagrinned to see once again how much you can lower your costs by simply calling the company.
Title: Re: Celebrations Thread
Post by: 1967mama on August 31, 2014, 05:54:36 PM
Haven't eaten out in 15 days!  This is a huge victory for us because we usually eat out 2-3 meals a week (some being drive thrus and maybe a weekend date night).  Bank balance and waistline will be better for it.
Title: Re: Celebrations Thread
Post by: G-dog on September 01, 2014, 10:32:52 AM
Ah, work holidays! Love them. When I am FIRE everyday will be a work holiday!
Title: Re: Celebrations Thread
Post by: Squirrel away on September 01, 2014, 10:53:30 AM
I'm feeling down today so I thought I would try and cheer myself up with some of our recent accomplishments.

- I cancelled Amazon Prime as £79 is too much money.

- We reduced our grocery budget by half.:)

- We have reduced our mobile phone contracts to £7 a month each.

- Our Net Worth is now over £500k.

Title: Re: Celebrations Thread
Post by: iris lily on September 01, 2014, 10:55:40 AM
I finally broke out the pre-1998 sewing machine this week after not touching it for years. I wasn't sure if I was threading it correctly, so I *gasp* checked the manual. I was surprised to see how helpful it is. I know, what a shock. There are a ton of trouble shooting tips, because most older machines are fairly simple and tend to have similar problems. If you don't have the actual manual, you can find it on line. ..

I know! Some years ago I was having continual trouble with getting my sewing machine to sew a straight line, so I symbolically cleared my head of everything I thought I know about threading it. Then I sat down and read the manual, slowly, carefully, and followed instructions to the letter in threading the bobbin and in threading the needle. Voila, it then worked perfectly!

Also, I bought new bobbins on Ebay, ones that were not bent.

I've got a Singer Featherweight machine from the 1950's and when you treat it right, it does good work.
Title: Re: Celebrations Thread
Post by: bdoubleu on September 04, 2014, 10:56:58 PM
Went through some totes/boxes in spare bedroom, came up with 5 very full bags of clothes to donate.  Gave the father-in-law the idea to go through his stuff, and he came up with 3 bags of clothes, 2 full sets of dishes, and some glassware.  We also donated some old bicycles (we "upgraded" this year) to a place that fixes them up and gives them to people who are in need, specifically to provide them transportation to/from jobs/interviews/home/etc.  Such a huge weight off our shoulders, and hopefully someone will enjoy the stuff we weren't using anymore!

Then smugly (working on this, maybe it would be a celebration post of its own!) laughed to ourselves about bro/sis-in-law, who just moved themselves (and a literal shit-ton of junk - with our advice of "this is a perfect time to get rid of shit you don't need!) to a new house, in which the basement full of said junk proceeded to flood. And they're trying to salvage all that they can, even though all the stuff down there was stuff they hadn't used for 5+ years (think, random holiday decorations, a ping pong table(?), boxes of clothes (boxes got wet = a million dryer loads of clothes), etc.
Title: Re: Celebrations Thread
Post by: zinny1 on September 08, 2014, 06:42:13 PM
Hi all,

I have a couple of things I want to celebrate - but can't share with anyone in real life, too many people who think being interested and educated about money is dull and boring! At the beginning of the year I got a long overdue promotion and am now finally earning a fair wage. I couldn't celebrate this too much either except with my family (overseas) as it may have led to some resentment from workmates who are less qualified/experienced but think they also deserve higher pay. Hard to have kept that to myself - so I'm telling you all! The increased income has meant I have paid off my student loans (yay!), increased my superannuation (pension) contributions, savings rate (to 33% from 12.5%, which is a huge increase) and my net worth has increased $47K in 12 months - and I have reached 6 figures!

I have a long way to go - I only rent at the moment and property is expensive where I live - but I am being very concious of my spending and hope to see my resources continue to grow.

Thanks all for a great forum - and for somewhere to celebrate, it's hard keeping it all to myself!
Title: Re: Celebrations Thread
Post by: arebelspy on September 08, 2014, 08:37:05 PM
Hi all,

I have a couple of things I want to celebrate - but can't share with anyone in real life, too many people who think being interested and educated about money is dull and boring! At the beginning of the year I got a long overdue promotion and am now finally earning a fair wage. I couldn't celebrate this too much either except with my family (overseas) as it may have led to some resentment from workmates who are less qualified/experienced but think they also deserve higher pay. Hard to have kept that to myself - so I'm telling you all! The increased income has meant I have paid off my student loans (yay!), increased my superannuation (pension) contributions, savings rate (to 33% from 12.5%, which is a huge increase) and my net worth has increased $47K in 12 months - and I have reached 6 figures!

I have a long way to go - I only rent at the moment and property is expensive where I live - but I am being very concious of my spending and hope to see my resources continue to grow.

Thanks all for a great forum - and for somewhere to celebrate, it's hard keeping it all to myself!

Those are some awesome milestones zinny! Way to go! 
Title: Re: Celebrations Thread
Post by: happy on September 09, 2014, 03:47:09 AM
Happy dance for Zinny1!
Title: Re: Celebrations Thread
Post by: zinny1 on September 09, 2014, 03:47:16 PM
Thanks arebelspy and happy for your support - much appreciated.
Title: Re: Celebrations Thread
Post by: Public Hermit on September 10, 2014, 09:06:03 AM
I guess you could say this is a "celebration".

I just made a $4,900 student loan payment, or more than 50% of my entire student loan balance.

Just a few more months and my student loans will be paid off. I am projecting by late January 2015.
Title: Re: Celebrations Thread
Post by: Sister C on September 13, 2014, 07:11:04 PM
I love this thread! All these successes are an inspiration.

My mini-celebration is posting my wedding dress for sale online. It's the first thing I've ever sold online-- before this I have always donated/swapped/gifted.
Title: Re: Celebrations Thread
Post by: Napalok1 on September 19, 2014, 04:16:24 PM
Paid off my car today.  Sold it for a small profit and invested the equity in Exon stocks.  I now live in a boarding house 2 blocks from work and can Bike to survive.  I earn over 60,000 a year and am debt free.  I can now save more than 50 percent of my income and I do have a defined pension plan.   Thanks Mr. Money, Jacob Early Retirement Extreme, Your Money or Your Life, The Millionaire Next Door. 
Title: Re: Celebrations Thread
Post by: Napalok1 on September 19, 2014, 04:21:03 PM
I Forgot to say I received a ten thousand dollar a year raise.  To fight Hedonistic adaptation I downsized from an apartment to a rooming house, sold my car  and got a bicycle.  My co-workers and fellow tenants think I'm on my last legs.  They have no idea I'm on my way to freedom.  No debts, IRA Defined Pension Plan, Savings account , Brokerage account and Annuity.
Title: Re: Celebrations Thread
Post by: iris lily on September 19, 2014, 11:31:55 PM
I Forgot to say I received a ten thousand dollar a year raise.  To fight Hedonistic adaptation I downsized from an apartment to a rooming house, sold my car  and got a bicycle.  My co-workers and fellow tenants think I'm on my last legs.  They have no idea I'm on my way to freedom.  No debts, IRA Defined Pension Plan, Savings account , Brokerage account and Annuity.

Now that is badass! Get a huge salary increase, decrease your consumption/ Great formula for FIRE.
Title: Re: Celebrations Thread
Post by: Helvegen on September 22, 2014, 11:58:00 AM
My husband is finally starting to come around to the idea of moving back east in a few years in order to buy a house and be closer to family (we have none out here). I brought this up about two months ago and he was fairly resistant. I understand why. There are a lot of good points to living in the PNW that can't be found in the Midwest/Great Lakes, which were why we moved out here in the first place a few years back. But a lot about our situation has changed over the time we have been here and moving back looks more and more of an attractive option. Yesterday, he finally saw what kinds of opportunities we are missing out on by living here and he is becoming more convinced. Particularly helpful was a friend chatting to him recently about the very nice house he just bought for $130k. You can't even get a teardown here for that!
Title: Re: Celebrations Thread
Post by: Joggernot on September 23, 2014, 02:34:36 PM
We had guests two weeks ago and one thing we learned was that the guests turned on the fan in the bathroom with every visit and forgot to turn it off.  We'd come home from showing them around town and notice that the fan was still on.

This is a small town so none of the stores in town carried a timer switch; Lowes in the next town over didn't have any either, so ended up going to Amazon to purchase two timer switches.

They arrived and I was able to install them myself, even though I don't like working with electricity and normally have someone do it for me.  Only problem came when the original wire wasn't long enough to let me just install the timer, so I had to go to the hardware store (on electric golf cart) and buy 2 feet of wire (lots extra) to finish the installations.

They work perfectly and look good, too.  Now the timer will turn the fan off even if the guests forget.  Probably just a mini-celebration.
Title: Re: Celebrations Thread
Post by: jordanread on September 23, 2014, 04:06:01 PM
We had guests two weeks ago and one thing we learned was that the guests turned on the fan in the bathroom with every visit and forgot to turn it off.  We'd come home from showing them around town and notice that the fan was still on.

This is a small town so none of the stores in town carried a timer switch; Lowes in the next town over didn't have any either, so ended up going to Amazon to purchase two timer switches.

They arrived and I was able to install them myself, even though I don't like working with electricity and normally have someone do it for me.  Only problem came when the original wire wasn't long enough to let me just install the timer, so I had to go to the hardware store (on electric golf cart) and buy 2 feet of wire (lots extra) to finish the installations.

They work perfectly and look good, too.  Now the timer will turn the fan off even if the guests forget.  Probably just a mini-celebration.

I had just found out about these, and they seem awesome. Good for you!! And electricity is not that scary, as long as you don't get electrocuted.
Title: Re: Celebrations Thread
Post by: 10dollarsatatime on September 27, 2014, 09:47:30 PM
Paid off another student loan this month.  :)
Title: Re: Celebrations Thread
Post by: Hannah on September 29, 2014, 10:50:36 AM
Offer accepted to purchase our first rental house!

Actually, we are getting 1.25 rentals out of the deal because we will convert our current home into the full rental, and the new place will be our primary home with the basement rented out!

The double bonus is that we will get to ditch the car completely since our commutes will be entirely on side roads or bike paths!
Title: Re: Celebrations Thread
Post by: arebelspy on September 29, 2014, 12:39:20 PM
Offer accepted to purchase our first rental house!

Actually, we are getting 1.25 rentals out of the deal because we will convert our current home into the full rental, and the new place will be our primary home with the basement rented out!

The double bonus is that we will get to ditch the car completely since our commutes will be entirely on side roads or bike paths!

Nice, congrats!
Title: Re: Celebrations Thread
Post by: orbix on September 30, 2014, 12:20:00 AM
Finished the front strut replacement on our 2003 Golf TDi (w/ ~190k miles on it) this afternoon/evening. Four corners suspension refresh is coming out to about $400 including the couple of tools we didn't own already, and those will see future use as well (bringing down the cost of future maintenance)!
Title: Re: Celebrations Thread
Post by: dr72 on September 30, 2014, 12:30:59 PM
This seems like the best thread for this post.  I found this blog at some point last year and read all the posts and started to really think about what we spent money on and what we actually needed.  We've come a long way since, and by the end of this year will be debt free except for student loans and a mortgage, which is a huge improvement but we're still not close to being real  Mustachian's like so many of you. 

The best part of this continuing journey was the feeling I had last week.  My boss let me know that upper management was probably going to "change their minds" and change the requirements and experience required for my job and that I had something like 3-9 months before they would let me go.  It was the first time I've been in that situation where I wasn't in a panic, wasn't worried, and didn't immediately feel like throwing up.  I felt .. fine!  We've simplified our life, reduced our expenses, and are relatively debt free which means I don't need to panic and I can take the time find a job on my terms and not scramble for just "anything". 

Thanks for all the posters in this forum, as a lurker and someone who rarely posts, this forum is very helpful and inspiring.
Title: Re: Celebrations Thread
Post by: arebelspy on September 30, 2014, 12:57:42 PM
This seems like the best thread for this post.  I found this blog at some point last year and read all the posts and started to really think about what we spent money on and what we actually needed.  We've come a long way since, and by the end of this year will be debt free except for student loans and a mortgage, which is a huge improvement but we're still not close to being real  Mustachian's like so many of you. 

The best part of this continuing journey was the feeling I had last week.  My boss let me know that upper management was probably going to "change their minds" and change the requirements and experience required for my job and that I had something like 3-9 months before they would let me go.  It was the first time I've been in that situation where I wasn't in a panic, wasn't worried, and didn't immediately feel like throwing up.  I felt .. fine!  We've simplified our life, reduced our expenses, and are relatively debt free which means I don't need to panic and I can take the time find a job on my terms and not scramble for just "anything". 

Thanks for all the posters in this forum, as a lurker and someone who rarely posts, this forum is very helpful and inspiring.

What a freeing feeling.  Congratulations!  :D
Title: Re: Celebrations Thread
Post by: MrsSmitty on October 02, 2014, 06:37:48 AM
Even with the downturn in the market the last few days my September net worth (as of 9/30) went above $300K for the first time ever!! Granted by the end of 10/1 it was back down to $298K. Hoping to get back above and stay there in the next month or three! Yay!
Title: Re: Celebrations Thread
Post by: beaster on October 03, 2014, 05:53:42 AM
Went from two cars to one!


Sent from my iPhone using Tapatalk
Title: Re: Celebrations Thread
Post by: APowers on October 04, 2014, 10:30:08 AM
We spent $84 on food last month. I told a few co-workers and they were flabbergasted. "What do you eat? DO you eat?"

It's really low, even for us (normal is $150-200/mo), so I was amazed when we tallied up all the receipts the other night. And included in that $84 is $13 of guacamole that was totally a splurge, which makes "actual" food costs closer to $71.
Title: Re: Celebrations Thread
Post by: Misstachian on October 04, 2014, 08:24:09 PM
I got a great job offer on Friday. In addition to getting to work with someone who is a legend in my field on a small team, I was offered a title bump and a terrific salary hike. I thanked her profusely, talked about how excited I am, said I'd like the weekend to speak to my husband, although I already knew what my answer would be. I'm non-confrontational by nature but I screwed up my courage at the last minute (thanks in no small part to reading these boards daily and knowing I really, really should) and asked if there was "any movement in the starting salary, since this is the big career jump and I hope to be there many years."

That one half-sentence improved my already generous offer by $5000, and I plan to accept tomorrow.

I read all the time but post rarely and I'm so grateful for all the expertise and cheerleading that goes on here. I knew I'd feel like a really wimpy mustachian if I didn't at least ask and I'm glad I did!
Title: Re: Celebrations Thread
Post by: FiveSigmas on October 04, 2014, 11:53:23 PM
I'm non-confrontational by nature but I screwed up my courage at the last minute (thanks in no small part to reading these boards daily and knowing I really, really should) and asked if there was "any movement in the starting salary, since this is the big career jump and I hope to be there many years."

That one half-sentence improved my already generous offer by $5000, and I plan to accept tomorrow.

I loved this part. Congratulations on the new job!
Title: Re: Celebrations Thread
Post by: NinetyFour on October 05, 2014, 05:48:43 AM
That is awesome news, Missatachian!  Congrats for getting the offer and for asking for more!
Title: Re: Celebrations Thread
Post by: Phoebe on October 06, 2014, 01:28:01 PM
Well, today was the day... I officially gave notice to my employer. My knees were weak and my heart pounding as I ascended the stairs to where my bosses reside in our office. I started with some lame small talk, but sensed I should just get on with it. I told them I was leaving the company. Everyone took it remarkably well. I think I had dropped enough hints over the years that it wasn't a big surprise. No attempts to convince me to stay. But there was the repeated, perplexed question: "What are you going to do all day?"

Whatever I want. Starting in 7 weeks, at 42 years old, I will become one of the FIRE'd. :)

Congrats!  What an awesome feeling.

This thread started when I posted in another poster's thread (Phoebe) about both of us reaching $300k at around the same time and ARS said ok lets have a sticky for everyone's achievements.

In honor of Phoebe and marty's accomplishments, I started a mini-celebrations thread here: http://www.mrmoneymustache.com/forum/welcome-to-the-forum/celebrations-thread/

I thought it was 2 years ago, but actually it wasn't, it was only 18 months. At the time I said to myself, ok, lets try and go up by $60k a year.

I think I just hit $500k last week! I wonder if Phoebe is still around? She must be close to $1m at the rate she was going....

Apartment: $495k
Loan less cash offset: ($80k)
Net shares: $35k
Super: $54k

Total $504k

wowee :0

Well done!  Semi-Millionaire is an awesome accomplishment.  :)

I too hope Phoebe is doing well.

Hi guys!  I've been reading the forums but haven't logged in for months and missed this little shout out!  I'm still here, just poking around on the sly :)  I'm not up to $1M yet, I think I'm around $653K today - after last year's market run I was hoping I'd be farther along, but this year is a bit slower for gains.  I'd really like to get to $700K this year, and with any luck $1M around March 2016, but I'm in sales so that's very dependent on commissions and how the market as a whole does.  Congratulations on your $500K accomplishment!!!  That's huge!!!  And thanks for the kind thoughts!
Title: Re: Celebrations Thread
Post by: 2Birds1Stone on October 06, 2014, 05:32:50 PM
Just hit $100k net worth last month!!

Also increased my 401k contribution to 25% from 20% this past week.

Just joined this forum last week and I have a lot of new found motivation to exit the rat race as soon as possible!
Title: Re: Celebrations Thread
Post by: Fatmouse on October 11, 2014, 08:27:27 PM
My celebration today:  I am two months married, and I have been nicely suggesting to my husband for a while that he change his 401k investments to low cost index funds.

We did it today, and he asked a bunch of questions and was really interested!  So, first celebration, husband has come around to learning about investments.  Second celebration, we will save hundreds per year in fees and probably increase returns for something that took us 30 minutes.

Well, 30 minutes if you don't count all of my reading/ podcast learning time learning about personal finance.  But that's priceless anyway.  :)
Title: Re: Celebrations Thread
Post by: Cookie on October 12, 2014, 08:18:18 PM
I live a mile away from where a work, but never even thought of biking until I started reading MMM. I bought myself a bike last month and am loving the ride! The mile includes crossing over a large hill, so I still get a good workout doing it.  I'm also selling my beloved car because even though it was bought in cash, we don't need two cars.
Title: Re: Celebrations Thread
Post by: Hannah on October 13, 2014, 05:48:53 AM
My celebration today:  I am two months married, and I have been nicely suggesting to my husband for a while that he change his 401k investments to low cost index funds.

We did it today, and he asked a bunch of questions and was really interested!  So, first celebration, husband has come around to learning about investments.  Second celebration, we will save hundreds per year in fees and probably increase returns for something that took us 30 minutes.

Well, 30 minutes if you don't count all of my reading/ podcast learning time learning about personal finance.  But that's priceless anyway.  :)

Getting on the same team with your husband is the really priceless action! Congratulations on your marriage and your personal finances!
Title: Re: Celebrations Thread
Post by: rocksinmyhead on October 13, 2014, 07:01:55 AM
Just hit $100k net worth last month!!

Also increased my 401k contribution to 25% from 20% this past week.

Just joined this forum last week and I have a lot of new found motivation to exit the rat race as soon as possible!

Congrats!! $100k is an exciting milestone for sure!

My celebration today:  I am two months married, and I have been nicely suggesting to my husband for a while that he change his 401k investments to low cost index funds.

We did it today, and he asked a bunch of questions and was really interested!  So, first celebration, husband has come around to learning about investments.  Second celebration, we will save hundreds per year in fees and probably increase returns for something that took us 30 minutes.

Well, 30 minutes if you don't count all of my reading/ podcast learning time learning about personal finance.  But that's priceless anyway.  :)

Getting on the same team with your husband is the really priceless action! Congratulations on your marriage and your personal finances!

Agreed, this is awesome :)
Title: Re: Celebrations Thread
Post by: fallstoclimb on October 14, 2014, 12:13:45 PM
Small celebration:  Got a raise ($300 pre-tax, $150 post-tax).  Rather than be bummed about how much the taxes killed it I put the entire pretax amount into my TSP contributions.  Am now only $100 short of being 'on pace' to max out, which I will easily increase to by the end of the year.  (Currently we are trying to rebuild savings so want to keep more cash flow than we really need). 

The best part is raising my retirement contribution made me SO HAPPY.  I was refreshing the pay stub website obsessively trying to get the exact amount of the raise, so I could make the TSP change.  I suspect within a couple of paychecks I'll go in and bump it to the max-out pace, just because. 
Title: Re: Celebrations Thread
Post by: Gin1984 on October 21, 2014, 11:47:36 AM
I just realized that our net worth is at $50,000.  Pretty good when this time last year I was not working (getting my Master's) and my husband was working on a PhD, earning $26K and we have a kid.
Title: Re: Celebrations Thread
Post by: shitzmagee on October 21, 2014, 04:40:18 PM
Finally road the bike to work for the first time! I've been procrastinating since I got it about 2 months ago. The route is 9.75 miles round trip and I averaged 10.83 mph. I saved about a half-tank of gas or $1.45 in these parts and it only added about 30 mins to my total commute time. Not the greatest ROI, but over time it WILL add up.

Plus I also got a tough workout that I wasn't quite prepared for (monster hills popped out of nowhere...) AND I learned that I need a lot more practice with using gears efficiently.
Title: Re: Celebrations Thread
Post by: Pooperman on October 24, 2014, 07:11:13 AM
Sorta found this thread accidentally, so many recent things to celebrate!

1) Got a small bonus ($400) by switching to the HDHP instead of the EPO I had when I joined the company (for 2 months). Employer gives a set amount towards insurance, the HDHP is about $700/yr less than the EPO (which is ~ what the employer will pay for without me contributing). I got $400 of that, and next year they will contribute towards the HSA and make it policy.

2) I got an IRA after finding MMM, and I will fully fund it using my e-fund (it's a Roth).

3) Maxing the HSA I got after finding MMM.

4) I am moving. Just signed the lease on the shiny old apartment (really good deal for the area, rent controlled, etc). $951/mo rent. Moving + deposit + first month's rent is expensive, however (~$3k). My mustache is currently sad about this, but I'm happy.

5) I have access to a 401(k) now, but I don't make enough to max it yet (:()
Title: Re: Celebrations Thread
Post by: looking for FI on October 27, 2014, 05:57:38 AM
Just started reading the blog last month. We dropped our spending from 9,840 last month to 6,420 this month. We still have many things we can improve but I can honestly say I don't feel like we have made sacrifices just different choices. Looking forward to dropping that number even further next month. :-)
Title: Re: Celebrations Thread
Post by: arebelspy on October 27, 2014, 07:04:18 AM
Just started reading the blog last month. We dropped our spending from 9,840 last month to 6,420 this month. We still have many things we can improve but I can honestly say I don't feel like we have made sacrifices just different choices. Looking forward to dropping that number even further next month. :-)

Wow, that's a huge drop!

That amount saved, instead of spent, over 10 years at 8% interest will be about $625,000!

PLUS spending that much less means you need to save $1,026,000 LESS for retirement at a 4% SWR (e.g. you'd have had to save 1MM more to support that extra spending that you won't need to save now).

It's amazing how big of a difference changing spending habits can make.

Well done! :)
Title: Re: Celebrations Thread
Post by: looking for FI on October 27, 2014, 10:53:50 AM
Thanks looking at those numbers it makes me even more determined to get it down to 5k. :-)
Title: Re: Celebrations Thread
Post by: E_Ransom on October 29, 2014, 01:57:25 PM
This is sort of a cheat but... in response to the first "Weekly Challenge" post, I decided to cut $100 from this week's budget by dropping my membership to the town Rotary Club, which came due this week.

I lose a fancy meal once a week hobnobbing with the movers and shakers of the city, as well as the social prestige it brings. But I don't have to pay $145 every three months on community service that I much prefer to do with my own hands. I plan to still help out where I can. But the money basically going to buying me a fine meal... back into the wallet she goes.
Title: Re: Celebrations Thread
Post by: Neustache on October 31, 2014, 06:21:30 AM
In the past year, I've cut our expenses by 3K per year by doing the following:

packing lunches for daughter/cheaper lunches for hubby      306
Switching from TW to 'free' google fiber                         744
Better rates on rental insurance                                    700
Better rate on primary insurance                              200
Switched to Geico for cars                                                 588
Cell phone switch                                                        384
Got rid of Netflix                                                                     96
giving myself hair cuts/no more coloring                                       240
DH doing own haircuts                                                           120
                        
                        
                        
For a grand total of :  $3378. 


Goal next year:  $2388 by doing the following:  Getting rid of PMI, travel hacking to decrease our spendy travel ways, lower utilities and less paper towel/disposable usage.                   
                        
                        
                        
                        
Knowing I decreased our expenses by 3K a year almost makes the 10K+ foundation work we are about to pay for hurt a little less.  Gah. 
Title: Re: Celebrations Thread
Post by: jordanread on October 31, 2014, 06:26:36 AM

Switching from TW to 'free' google fiber                         744


Oh man, I want Google Fiber so bad!!! I'm jealous. Congrats on your accomplishments!!
Title: Re: Celebrations Thread
Post by: Neustache on October 31, 2014, 06:29:03 AM
The cool Google fiber isn't free, but at least it's not TW.  :D  Our free version is working just fine for us, but at most we are streaming a Netflix movie (or were...NF is gone now!) plus having one or two people on the wifi.  So it works for our needs.  YMMV. 
Title: Re: Celebrations Thread
Post by: erae on November 02, 2014, 02:55:36 PM
Both our paychecks came in on Friday, pushing our net worth above 6 figures for the first time.  We've got a long way to go - both regarding our lifestyle choices and our investment balances, but I'm hoping the first 100,000 is the hardest :)  I had heard that when you break 100,000 in Personal Capital they connect you with a personal advisor, and we got an introductory email from our assigned advisor this weekend.  We won't be availing ourselves of his services, but it does make me laugh to be considered a high roller.
Title: Re: Celebrations Thread
Post by: plainjane on November 03, 2014, 06:18:12 AM
I'm hoping the first 100,000 is the hardest :) 

Congratulations on the achievement.  I do think the first $100k of net worth is the hardest.  Because most of us had to make real changes/tradeoffs to get there, but once you've done it, those habits are in place, so you can let inertia take you a big part of the way.  You may have still more lifestyle choices to make, but you are already thinking about them and what makes sense for your goals. 
Title: Re: Celebrations Thread
Post by: rocksinmyhead on November 03, 2014, 06:59:44 AM
My 401K just surpassed $50K! Yeah!!! Next goal is $100K net worth, I'm about $10K away :)
Title: Re: Celebrations Thread
Post by: powersuitrecall on November 03, 2014, 10:49:26 AM
We've been struggling to bring down our monthly $1K grocery bill.  October's total came it at ~$750!  Woo!  What changes did we make?
- Meal planning

That's it :)  It's not nearly as low as it could go, but it's a start.
Title: Re: Celebrations Thread
Post by: Prairie Gal on November 03, 2014, 06:28:37 PM
Today I made the final payment on my home equity line of credit. My husband died 23 months ago, and we owed $93,000 on the heloc on that day. I am over the moon that I was able to accomplish this goal. Two years ago things looked very bleak, but I put my head down and with laser focus got it done.

I am very proud to be able to say that I now do not owe anything to anyone. I an totally debt free! 
Title: Re: Celebrations Thread
Post by: Jon_Snow on November 03, 2014, 06:35:58 PM
Inspiring, Prairie Gal. I root a bit harder for the Canadians on this forum.
Title: Re: Celebrations Thread
Post by: tmac on November 03, 2014, 06:49:38 PM
Prairie Gal, that's wonderful! Congratulations! What a relief it must be to be free of that weight on your shoulders.


My own celebration: I just initiated the transfer that will pay off our last car loan. Thank god. So tired of that damn thing. Never again.
Title: Re: Celebrations Thread
Post by: arebelspy on November 03, 2014, 06:49:54 PM
So sorry for your loss, Prairie Gal.  Way to take charge and turn things around financially.  Congrats!
Title: Re: Celebrations Thread
Post by: HairyUpperLip on November 03, 2014, 07:31:37 PM
Going to begin maxing out my 401k
salary = 96500
401k before = 5%
401k now = 20%

Next step... High deductible plan and HSA. :)

Title: Re: Celebrations Thread
Post by: OptimizeOptimism on November 04, 2014, 07:08:38 AM
Hit 100k net worth at the end of October!

Last week I also put together a spreadsheet to outline my plan to front load maxing out my 401k next year. :)
Title: Re: Celebrations Thread
Post by: 1967mama on November 05, 2014, 02:00:30 PM
Reduced our electricity consumption by 13% from November 2013 - November 2014 (thanks to MMM) and earned a $75 cheque from our power company!
Title: Re: Celebrations Thread
Post by: G-dog on November 05, 2014, 05:01:29 PM
Today I made the final payment on my home equity line of credit. My husband died 23 months ago, and we owed $93,000 on the heloc on that day. I am over the moon that I was able to accomplish this goal. Two years ago things looked very bleak, but I put my head down and with laser focus got it done.

I am very proud to be able to say that I now do not owe anything to anyone. I an totally debt free!
I am so sorry about the loss of your husband. That can really knock folks off balance, making your accomplishment even MORE impressive.  Congratulations on being debt free!
Title: Re: Celebrations Thread
Post by: G-dog on November 05, 2014, 05:06:28 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!
Title: Re: Celebrations Thread
Post by: jordanread on November 05, 2014, 08:53:32 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?
Title: Re: Celebrations Thread
Post by: dusty 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
Title: Re: Celebrations Thread
Post by: G-dog 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.
Title: Re: Celebrations Thread
Post by: G-dog 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.
Title: Re: Celebrations Thread
Post by: Gin1984 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!
Title: Re: Celebrations Thread
Post by: Kriegsspiel 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.
Title: Re: Celebrations Thread
Post by: G-dog 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.
Title: Re: Celebrations Thread
Post by: marty998 on November 12, 2014, 03:14:26 AM
Woohoo, scored a 17.5% pay rise today!



Title: Re: Celebrations Thread
Post by: Neustache 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. 
Title: Re: Celebrations Thread
Post by: NinetyFour 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.
Title: Re: Celebrations Thread
Post by: arebelspy 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!
Title: Re: Celebrations Thread
Post by: NinetyFour 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!

Title: Re: Celebrations Thread
Post by: 10dollarsatatime 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... ;)
Title: Re: Celebrations Thread
Post by: TrulyStashin 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.
Title: Re: Celebrations Thread
Post by: 2Birds1Stone 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 -_-
Title: Re: Celebrations Thread
Post by: Gin1984 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!
Title: Re: Celebrations Thread
Post by: NinetyFour on November 18, 2014, 02:40:54 PM
Nice work!!  Must feel great!
Title: Re: Celebrations Thread
Post by: DeSteeg 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
Title: Re: Celebrations Thread
Post by: NinetyFour on November 19, 2014, 02:27:18 PM
Congrats on killing those student loans!!  Awesome!
Title: Re: Celebrations Thread
Post by: 2Birds1Stone on November 22, 2014, 06:17:06 AM
Got the job!!!

*Happy dance*
Title: Re: Celebrations Thread
Post by: myrax 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 :)
Title: Re: Celebrations Thread
Post by: Dee18 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!
Title: Re: Celebrations Thread
Post by: BZB 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.
Title: Re: Celebrations Thread
Post by: pachnik 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.  :)
Title: Re: Celebrations Thread
Post by: MandyM 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!
Title: Re: Celebrations Thread
Post by: Credaholic 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 :)
Title: Re: Celebrations Thread - hitting one million!
Post by: G-dog 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.

Title: Re: Celebrations Thread
Post by: NinetyFour on November 25, 2014, 06:43:23 PM
Congrats!!  That's awesome!!
Title: Re: Celebrations Thread
Post by: G-dog 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. 
Title: Re: Celebrations Thread
Post by: 2Birds1Stone 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 =)
Title: Re: Celebrations Thread
Post by: rocksinmyhead 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!
Title: Re: Celebrations Thread
Post by: Ferrisbueller 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
Title: Re: Celebrations Thread
Post by: Gin1984 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!
Title: Re: Celebrations Thread
Post by: wberkgal 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.
Title: Re: Celebrations Thread
Post by: Annie-Blake 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.
Title: Re: Celebrations Thread
Post by: jordanread 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.
Title: Re: Celebrations Thread
Post by: RMD 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!
Title: Re: Celebrations Thread
Post by: 1967mama 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
Title: Re: Celebrations Thread
Post by: SporeSpawn 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.
Title: Re: Celebrations Thread
Post by: Gin1984 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!
Title: Re: Celebrations Thread
Post by: Ferrisbueller on December 07, 2014, 10:44:54 AM
Thanks Gin1984

I hope it's Bombay Sapphire
Title: Re: Celebrations Thread
Post by: YTProphet 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!
Title: Re: Celebrations Thread
Post by: arebelspy 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!
Title: Re: Celebrations Thread
Post by: craiglepaige 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!!!!!!!





Title: Re: Celebrations Thread
Post by: rocksinmyhead 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!
Title: Re: Celebrations Thread
Post by: craiglepaige 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 ;)
Title: Re: Celebrations Thread
Post by: Wile E. Coyote 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!:)
Title: Re: Celebrations Thread
Post by: Knapptyme 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.
Title: Re: Celebrations Thread
Post by: FiveSigmas 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.
Title: Re: Celebrations Thread
Post by: Rosewhipped 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.

Title: Re: Celebrations Thread
Post by: rocksinmyhead 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 :)
Title: Re: Celebrations Thread
Post by: lostamonkey on December 20, 2014, 07:10:42 PM
-I went to the library to take out books for my upcoming vacation. I used to just buy books at the airport and read them once.

-I replaced my first headlight myself. Before I would just go to a garage and pay to have it replaced.

-My internet provider jacked up their prices so I canceled my service. I will be getting a cheaper provider in a little while.
Title: Re: Celebrations Thread
Post by: halftimer on December 21, 2014, 05:40:42 PM
Recent celebrations and accomplishments:
-sold vehicle with high gas and maintenance costs and picked up reliable little hatchback. We plan to use it less and less in the months to come
-returned from an overseas trip with zero debt hangover and even some extra foreign currency in our pocket which I exchanged at the bank
-changed banking and internet plans to free up $300 in annual cash flow
Title: Re: Celebrations Thread
Post by: veloman on December 21, 2014, 07:49:23 PM
I was offered a job and I asked for 7% more and got it. Can't hurt to ask!
Title: Re: Celebrations Thread
Post by: Knapptyme on December 21, 2014, 09:55:55 PM
-I went to the library to take out books for my upcoming vacation. I used to just buy books at the airport and read them once.

-I replaced my first headlight myself. Before I would just go to a garage and pay to have it replaced.

-My internet provider jacked up their prices so I canceled my service. I will be getting a cheaper provider in a little while.

These are great little steps. I especially like the audacity to up and cancel internet service.
Title: Re: Celebrations Thread
Post by: lostamonkey on December 22, 2014, 09:11:52 AM
-I went to the library to take out books for my upcoming vacation. I used to just buy books at the airport and read them once.

-I replaced my first headlight myself. Before I would just go to a garage and pay to have it replaced.

-My internet provider jacked up their prices so I canceled my service. I will be getting a cheaper provider in a little while.

These are great little steps. I especially like the audacity to up and cancel internet service.
I am no longer in university but I live across the street across from a university building so I have access to their free wifi if I cross the street. There are nice private closed off cubicles with a window and power outlets in the university building so I can just use the internet there for a while.
Title: Re: Celebrations Thread
Post by: Quetzal on December 23, 2014, 10:22:40 PM
I just wrote checks to charity totaling 3x our previous annual donations. Thanks to MMM, I know we can afford it.
Title: Re: Celebrations Thread
Post by: arebelspy on December 24, 2014, 11:43:26 AM
I just wrote checks to charity totaling 3x our previous annual donations. Thanks to MMM, I know we can afford it.

Inspiring!  Thank you.
Title: Re: Celebrations Thread
Post by: PDX2Retire on December 26, 2014, 04:01:29 PM
Turned in my resignation on 12/1.   My last day is 12/31.   I start the new year with a new life plan.   

It is surreal to realize I can do almost anything I want to do now.  I want to learn electronics and my sweetie got me an Arduino and RaspberryPi for Christmas.  I want to learn to repair our bikes so I'm signing up to work at the community cycling center where they train you to be a bench mechanic.  I'm going to volunteer at the elementary school six blocks away as a reading coach. 

I asked friends via Facebook what ideas they had for me and have been flooded with ideas ranging from practical to whimsical. 

My partner won't be able to retire for probably another 10 years.  She totally thinks I've joined a cult (yup!) and is supportive but also a bit fearful.  She's worried that by quitting work I won't have options if something in my life or the world goes terribly wrong.  Sure.  I've thought of that.  I'm a six on the Enneagram - of course I've thought about all that could go wrong!   But my financial advisor and FIREcalc confirm I have the funds so here I go!

I can hardly wipe the smile from my face.  I am off work today.  It's a Friday.  But because I was off yesterday I keep thinking that was Saturday and today is Sunday and I have to go to work tomorrow.  And that brings me down a bit.  THEN I realize it's only Friday.  And in just a few more days every tomorrow will feel like a Saturday.   Wow. 

Good luck to everyone here who is looking at their life and making changes to make it a better life.  You are inspirational.   
Title: Re: Celebrations Thread
Post by: frugalfighterpilot on January 01, 2015, 02:13:05 AM
Received a call from the power company yesterday, "Sir, we get a report every month on unusually high or low usage and we noticed that your bill was extremely low this month compared to your previous months. Is everything ok?"  My response was, "Why thank you for your concern, but we have taken steps to improve our energy efficiency and reduce our power consumption.  It sounds like it has worked!"

The lady on the other end of the phone was literally speechless .
Title: Re: Celebrations Thread
Post by: G-dog on January 01, 2015, 07:27:41 AM
I just wrote checks to charity totaling 3x our previous annual donations. Thanks to MMM, I know we can afford it.

Excellent!  Feels great to help the groups you care about.
Title: Re: Celebrations Thread
Post by: G-dog on January 01, 2015, 07:31:39 AM
Turned in my resignation on 12/1.   My last day is 12/31.   I start the new year with a new life plan.   

It is surreal to realize I can do almost anything I want to do now.  I want to learn electronics and my sweetie got me an Arduino and RaspberryPi for Christmas.  I want to learn to repair our bikes so I'm signing up to work at the community cycling center where they train you to be a bench mechanic.  I'm going to volunteer at the elementary school six blocks away as a reading coach. 

I asked friends via Facebook what ideas they had for me and have been flooded with ideas ranging from practical to whimsical. 

My partner won't be able to retire for probably another 10 years.  She totally thinks I've joined a cult (yup!) and is supportive but also a bit fearful.  She's worried that by quitting work I won't have options if something in my life or the world goes terribly wrong.  Sure.  I've thought of that.  I'm a six on the Enneagram - of course I've thought about all that could go wrong!   But my financial advisor and FIREcalc confirm I have the funds so here I go!

I can hardly wipe the smile from my face.  I am off work today.  It's a Friday.  But because I was off yesterday I keep thinking that was Saturday and today is Sunday and I have to go to work tomorrow.  And that brings me down a bit.  THEN I realize it's only Friday.  And in just a few more days every tomorrow will feel like a Saturday.   Wow. 

Good luck to everyone here who is looking at their life and making changes to make it a better life.  You are inspirational.

Congratulations!  You've got some great activities planned. I'd love to hear some updates as you tackle these and more (I may steal an idea or two!).
Title: Re: Celebrations Thread
Post by: rocksinmyhead on January 02, 2015, 10:00:06 AM
These are all so inspiring! I'm really excited to post mine because I feel like I've been waiting and waiting for it... finally crossed the $100K mark in net worth!! A bit over half of that is in my 401K, the rest is in cash as emergency fund/wedding fund/down payment fund, and my only debt is $1400 on a 0% car loan that will be paid off in June. Yeah!!!!
Title: Re: Celebrations Thread
Post by: NinetyFour on January 02, 2015, 10:10:13 AM
Woo hoo!!  Nice job, Rocks!  Congrats!!
Title: Re: Celebrations Thread
Post by: jomsviking on January 02, 2015, 12:44:02 PM
Paid off my house! Woohoo! More money to invest each month — I'm hoping to not need it for anything else.
Title: Re: Celebrations Thread
Post by: shusherstache on January 02, 2015, 01:00:12 PM
Congratulations! It's such a good feeling.
Title: Re: Celebrations Thread
Post by: Prairie Gal on January 04, 2015, 09:22:04 AM
Paid off my house! Woohoo! More money to invest each month — I'm hoping to not need it for anything else.

Congrats! More money for the stash. I remember that awesome feeling.
Title: Re: Celebrations Thread
Post by: Jon_Snow on January 04, 2015, 12:16:24 PM
Turned in my resignation on 12/1.   My last day is 12/31.   I start the new year with a new life plan.   

It is surreal to realize I can do almost anything I want to do now.  I want to learn electronics and my sweetie got me an Arduino and RaspberryPi for Christmas.  I want to learn to repair our bikes so I'm signing up to work at the community cycling center where they train you to be a bench mechanic.  I'm going to volunteer at the elementary school six blocks away as a reading coach. 

I asked friends via Facebook what ideas they had for me and have been flooded with ideas ranging from practical to whimsical. 

My partner won't be able to retire for probably another 10 years.  She totally thinks I've joined a cult (yup!) and is supportive but also a bit fearful.  She's worried that by quitting work I won't have options if something in my life or the world goes terribly wrong.  Sure.  I've thought of that.  I'm a six on the Enneagram - of course I've thought about all that could go wrong!   But my financial advisor and FIREcalc confirm I have the funds so here I go!

I can hardly wipe the smile from my face.  I am off work today.  It's a Friday.  But because I was off yesterday I keep thinking that was Saturday and today is Sunday and I have to go to work tomorrow.  And that brings me down a bit.  THEN I realize it's only Friday.  And in just a few more days every tomorrow will feel like a Saturday.   Wow. 

Good luck to everyone here who is looking at their life and making changes to make it a better life.  You are inspirational.

Wow! A lot of similarities to my own ER (4 months ago) in your post. It is incredible to have your own life open up in front of you... the possibilities to do ANYTHING. I frequently find myself with a grin on my face for no reason at all other than I am FREE. Congrats... and I hope you hang around encourage those that are following us... it's what I try to do around here.
Title: Re: Celebrations Thread
Post by: Adventine on January 06, 2015, 12:34:43 AM
My investments hit a magic number today! I am so happy, especially as I only started investing in 2012. For perspective, when I started working in 2009, I had a net worth of exactly zero, and that magic number was only a nebulous, "if only" kind of dream in my head.
Title: Re: Celebrations Thread
Post by: cashstasherat23 on January 06, 2015, 12:32:29 PM
Had my first success at credit card churning-although is that what it's called when it's for a checking account?

Anyway, I got an offer in the mail for $300 for opening a checking account at Chase when you connect direct deposit-I did just that, had my first direct deposit on 12/31, and the $300 posted to my account today. Huzzah! That free $300 will pay for my vacation to Quebec with my boyfriend next week!
Title: Re: Celebrations Thread
Post by: brooklynmoney on January 06, 2015, 08:19:41 PM
I successfully quit my job and found a great new one that I'm starting later this month. Woohoo.
Title: Re: Celebrations Thread
Post by: Ethernet on January 06, 2015, 08:53:15 PM
I finally traded in my 12MPG truck for an around-32MPG Sedan.
Title: Re: Celebrations Thread
Post by: Bardo on January 12, 2015, 12:46:41 PM
Toted up the numbers for 2014.  Savings exceeded spending by more than $20k, and better yet spending was less than a 4% SWR from investable assets.  Still trying to digest the concept of FI!

Title: Re: Celebrations Thread
Post by: Moonwaves on January 13, 2015, 06:31:45 AM
I passed the exam to become a recognised translator on Saturday. Translating is actually totally unregulated here but it's great to know I'll have an official piece of paper to any Germans who might like to see it. Also gives me something current to add to my CV. And it's nice to think that officially I have now reached C2/native speaker level (even if in actuality I still make plenty of mistakes). Still no official approval from work for a side-job but I'm going to ignore them and reach out to a couple of friends with agencies to start getting a bit of work on the side. Even a couple of hours a week would make a big difference to me.
Title: Re: Celebrations Thread
Post by: MsPeacock on January 14, 2015, 05:56:08 PM
I just started here recently - so I am working on my spreadsheets and setting up various automatic payments and getting my budget in order. The big news today - I got a raise! I have been asking for a raise for 3 years, with lots of excellent reasons why I deserve one - but an organization w/o money to give me one. So, I learned today that I have been approved for a  10% retention bonus! This is huge - and will really help me pay off some painful debt that much faster!
Title: Re: Celebrations Thread
Post by: ontheroaderic on January 24, 2015, 01:55:19 PM
Paid off a car today - the last we will ever finance! A 2010 Prius with a $14,500 loan from our credit union, paid off in exactly 12 months. Feels good!

Now in to "Phase Two - In Which we Destroy the Student Loans."
Title: Re: Celebrations Thread
Post by: trailrated on January 28, 2015, 01:17:22 PM
WITH THIS POST I JUST EVOLVED INTO A SENIOR MUSTACHIAN!
Title: Re: Celebrations Thread
Post by: Adventine on January 28, 2015, 08:46:25 PM
WITH THIS POST I JUST EVOLVED INTO A SENIOR MUSTACHIAN!
CONGRATS! I just evolved too! I feel so ~accomplished~
Title: Re: Celebrations Thread
Post by: trailrated on January 29, 2015, 09:18:32 AM
WITH THIS POST I JUST EVOLVED INTO A SENIOR MUSTACHIAN!
CONGRATS! I just evolved too! I feel so ~accomplished~

Cheers! I'm going to find some lumpia to celebrate :)
Title: Re: Celebrations Thread
Post by: mlipps on January 29, 2015, 09:24:16 AM
Just got a job offer for a year long, paid internship, in my field, with one of the premiere companies I want to work for upon graduation! Did I mention paid!!

Of course, I've already done the math and calculated that with my pay from this internship, we should have just enough to make our 2015 Roth contributions. (My husband's paycheck is being eaten up by my tuition payments.) So, the stash wins too! Hurray!
Title: Re: Celebrations Thread
Post by: Adventine on January 29, 2015, 12:08:02 PM


WITH THIS POST I JUST EVOLVED INTO A SENIOR MUSTACHIAN!
CONGRATS! I just evolved too! I feel so ~accomplished~

Cheers! I'm going to find some lumpia to celebrate :)

Fresh lumpia is the best, man. The best.
Title: Re: Celebrations Thread
Post by: trailrated on January 29, 2015, 12:22:35 PM


WITH THIS POST I JUST EVOLVED INTO A SENIOR MUSTACHIAN!
CONGRATS! I just evolved too! I feel so ~accomplished~

Cheers! I'm going to find some lumpia to celebrate :)

Fresh lumpia is the best, man. The best.

Could not agree more, my step-mother is filipino and when her mother would make them for me and my brother we would go crazy! What part of the philippines are you from?
Title: Re: Celebrations Thread
Post by: Pooperman on January 29, 2015, 12:44:32 PM
WITH THIS POST I JUST EVOLVED INTO A SENIOR MUSTACHIAN!

Jumpin in on this with my own senority!
Title: Re: Celebrations Thread
Post by: trailrated on January 29, 2015, 02:21:03 PM
WITH THIS POST I JUST EVOLVED INTO A SENIOR MUSTACHIAN!

Jumpin in on this with my own senority!

KICK ASS!
Title: Re: Celebrations Thread
Post by: Adventine on January 29, 2015, 10:28:08 PM


WITH THIS POST I JUST EVOLVED INTO A SENIOR MUSTACHIAN!
CONGRATS! I just evolved too! I feel so ~accomplished~

Cheers! I'm going to find some lumpia to celebrate :)

Fresh lumpia is the best, man. The best.

Could not agree more, my step-mother is filipino and when her mother would make them for me and my brother we would go crazy! What part of the philippines are you from?
I'm from Manila! I think I'll make homemade lumpia as my next Mustachian project :p

Also, congrats, Pooperman!
Title: Re: Celebrations Thread
Post by: okonumiyaki on February 02, 2015, 01:26:07 AM


Could not agree more, my step-mother is filipino and when her mother would make them for me and my brother we would go crazy! What part of the philippines are you from?

Heh - they are called lumpia in Indonesia as well, guess it is a common austronesian word (i.e dog in javanese is asu, vs aso in tagalog)
Title: Re: Celebrations Thread
Post by: 1967mama on February 02, 2015, 01:44:54 AM
Watched the Superbowl on our own TV set without cable. Got a new antenna from local electronics store that gives us 5 really clear channels in HD. So excited! One time expense of $129 (plus tax) and we will never have to pay for television viewing again, except for the electricity to run the set. I know you can build your own antenna but husband wasn't into it and isn't very handy, so this was a huge win for us! I've been reading up online on what we need, etc for our location and the little $19.99 antenna just wasn't cutting it -- lots of pixelation and "no signal" messages were super frustrating. Just wanted to share this small victory .. and cable free for over a year now, too!
Title: Re: Celebrations Thread
Post by: plainjane on February 02, 2015, 06:27:40 AM
Ran January's numbers, and at a 4% withdrawal  on our investments we'd be able to cover our 12 month rolling ongoing variable living expenses (not including mortgage/property tax/travel/house maintenance).  Thanks to the recent market run up, I'm 11 months ahead of the "schedule" I made up for our investable assets when I first found MMM.
Title: Re: Celebrations Thread
Post by: SCUBAstache on February 02, 2015, 09:12:11 AM
I spent <$400 on groceries/restaurants in January.  For just one person I know this is still A LOT, but it's huge progress.  My goal for February is <$300, since $400 was very doable when I started paying attention!  It feels great to take control.
Title: Re: Celebrations Thread
Post by: DagobertDuck on February 02, 2015, 09:59:59 AM
Sold my car 2 weeks ago!

Got € 80 for it (just scrap value, it was an oldie)
Already saved plm € 350 (maybe a bit less, maybe more) because it was due for maintenance, roadworthiness check, oil change etc.
Monthly savings for just insurance and taxes: € 54

It feels good to be carfree so far!
Though I must admit it can be convenient sometimes, I never really *loved* owning a car. I hated spending money on gas and I couldn't stand not having the space, tools and skills to wrench on my own car and thus having to pay someone to do it for me. (I do wrench on my own bicycles)

I already used to commute by bike and we have pretty good public transport, so I haven't missed my car yet.
Title: Re: Celebrations Thread
Post by: Pooperman on February 02, 2015, 10:16:11 AM
Am now engaged.
Title: Re: Celebrations Thread
Post by: NinetyFour on February 02, 2015, 10:36:06 AM
Congrats!!  Very happy for you!
Title: Re: Celebrations Thread
Post by: Happyback on February 02, 2015, 08:35:18 PM
Just made a lump sum, end of the year, payment towards the mortgage.
I gathered all the "left over" amounts in various spending categories (where I had been frugal all year, and stayed under budget), and tossed $17K towards the mortgage on a rental!

Felt like A BOSS.
C-
Title: Re: Celebrations Thread
Post by: Neustache on February 03, 2015, 06:25:52 AM
Very nice, HappyBack! 
Title: Re: Celebrations Thread
Post by: MrScottStache on February 08, 2015, 08:50:54 AM
This past week i figured out that my savings rate for 2014 was 60%.  Not bad for a single guy with a too big condo.

I also got the thrill of seeing my total net worth cross the 1M mark for the first time. 
Title: Re: Celebrations Thread
Post by: horsepoor on February 09, 2015, 02:25:10 PM
I just sent the last payment on my car.  Can't wait to see the loan balance zero out and receive the title in the mail!
Title: Re: Celebrations Thread
Post by: HairyUpperLip on February 09, 2015, 03:05:55 PM
This past week i figured out that my savings rate for 2014 was 60%.  Not bad for a single guy with a too big condo.

I also got the thrill of seeing my total net worth cross the 1M mark for the first time.

Congrats for both! Nice man!
Title: Re: Celebrations Thread
Post by: daymare on February 12, 2015, 08:43:11 PM
So my husband & I are 25.  We started the year with investments totaling $104K.  So that took about 3 years and 4 months - but neither of us were employed the whole time (he started working several months after me ... then moved in March of this year to my grad school city and got a job after 4 months of unemployment.  And I took 3 months off between work and starting grad school 1.5 years ago... where my stipend is literally 1/3 of what I made when I worked.)  Anyway, it felt awesome to reach the 100K mark.

But the best feeling is that when I think about this year ... we're at 118K already (having put in 12K) and have lofty plans to put in a bunch more.  So I think we're really, really likely to get past 150K.  Most optimistically, we want to invest another 18 (max his 401k) +10 (max out our Roths) +10 (taxable)=38K.  So holy shit we could increase our NW by 50K, or 50%.  It feels like things are really coming together!  We never had money problems, but I finally feel like I have this Mustachianism thing mastered, and it feels sooo good. :)

Our income is so low right now and it's going to go up a crazy amount, I know we are totally on track to be FI by 40 :)
Title: Re: Celebrations Thread
Post by: couponvan on February 13, 2015, 10:49:56 AM
Yesterday my 401(k) balance hit $100K!!!

Today is the 4 year anniversary of my return to work PT.  When my youngest went to full-day Kindergarten I decided to do something with the time the kids were in school. It feels so good to see my efforts paying off!!

(DH is maxing out his 401(k) too, which I don't think he'd have been able to do with me staying home.)
Title: Re: Celebrations Thread
Post by: powskier on February 17, 2015, 11:40:54 AM
Knocked 10 years and 100k in interest off of home loan buy refinancing down to a 15 y @ 3%. ( 7K in fees for those wondering)
Increased monthly principal payment by almost $700, this is just standard payment.....
Eliminated $120/month in PMI.
Title: Re: Celebrations Thread
Post by: couponvan on February 18, 2015, 09:38:56 AM
Knocked 10 years and 100k in interest off of home loan buy refinancing down to a 15 y @ 3%. ( 7K in fees for those wondering)
Increased monthly principal payment by almost $700, this is just standard payment.....
Eliminated $120/month in PMI.

Congrats!  I'm kicking myself for not doing this 15 years ago when we bought our first home!  You will not regret it!
Title: Re: Celebrations Thread
Post by: Rural on February 21, 2015, 06:12:17 AM
Got a call from the county assessor's office yesterday. Someone came out to look at our old mobile home (at my request) and the county has declared it uninhabitable. This takes it off the property tax rolls and also means that we don't have to buy a registration sticker for this year. Hopefully, this summer, it comes down.
Title: Re: Celebrations Thread
Post by: Moonwaves on February 23, 2015, 03:52:01 AM
Just got my first employer match for starting a particular type of pension last June. I get a cash payout of 30% of what I've contributed in the previous calendar year. It is taxed so I don't get the full €499 but I won't say no to €255 free money either, especially since I had gotten mixed up with my calculations and thought it was 3%!
Title: Re: Celebrations Thread
Post by: ADKMike on February 23, 2015, 11:43:12 AM
I just increased my contributions to my Thrift Savings Plan from 6% to 50%.
Title: Re: Celebrations Thread
Post by: cashstasherat23 on February 27, 2015, 10:17:36 AM
Got my bonus today, and will be calling up Navient Student Loans tonight to completely knock out one of my 6 loans today! $9,000 down, $21,000 to go!
Title: Re: Celebrations Thread
Post by: hernandz on February 28, 2015, 11:11:00 AM
I just increased my contributions to my Thrift Savings Plan from 6% to 50%.
That is frelling awesome and very bad-ass.

Mine are baby steps in comparison, but I have just increased my 401k contribution to 17% from 16% last year and 15% the year before, so I'm really happy that streak is continuing. Really hope I can finish my degree this year -- So far, $0 in student loans.
Title: Re: Celebrations Thread
Post by: Travis on March 03, 2015, 11:20:29 AM
This weekend we donated an entire car trunk-full of books and clothes to the library and Goodwill.  A few hours later I made $85 on Craigslist sales.
Title: Re: Celebrations Thread
Post by: 10dollarsatatime on March 03, 2015, 05:44:45 PM
Paid off my auto loan!  The lady on the phone sounded shocked that I wanted to make a $2800 payment (on a vehicle I financed for $5000 in the first place), but now it's done!  3 more student loans and some PMI to get rid of...
Title: Re: Celebrations Thread
Post by: NinetyFour on March 03, 2015, 06:46:18 PM
As of yesterday, my Net Worth exceeded $500,000 for the first time.  It came out to $501,477.73.
 
Then today, while walking home from work, I found a quarter on the street.  So now my Net Worth is $501,477.98.  Woo hoo!!
Title: Re: Celebrations Thread
Post by: misschedda on March 04, 2015, 07:59:02 AM
I got engaged!!!
Title: Re: Celebrations Thread
Post by: aetherie on March 04, 2015, 08:39:34 AM
Congratulations misschedda! :D
Title: Re: Celebrations Thread
Post by: Pooperman on March 04, 2015, 08:57:34 AM
I got engaged!!!

Congrats! Any idea when you'll be getting married? SO and I got engaged in January with the wedding in October. Nice to see another Mustachian couple tying the knot!
Title: Re: Celebrations Thread
Post by: ReadyAimFired on March 04, 2015, 01:56:48 PM
I have started out with a great 2015!

-A few days after Christmas, asked my girlfriend to marry me! She said yes...woo hoo! She is very mustachian
-Got a raise at work
-Put said raise toward deferred compensation (457 roth) which went from 25% to 28%
-Joined a Bible study at work

This makes my total saving rate in investment accounts ---- 41%
This does not include my monthly savings for dream retirement home which would make my total savings rate----56%  woo hoo!!!!!!!


Title: Re: Celebrations Thread
Post by: misschedda on March 05, 2015, 05:51:42 AM
I got engaged!!!

Congrats! Any idea when you'll be getting married? SO and I got engaged in January with the wedding in October. Nice to see another Mustachian couple tying the knot!

Thanks Pooperman and aetherie! We're thinking Fall 2016, so we've got a whole year more of planning than you do Pooperman.
Title: Re: Celebrations Thread
Post by: T-Rex on March 07, 2015, 08:26:44 PM
My credit score just broke 750.

I just increased my contributions to my Thrift Savings Plan from 6% to 50%.

Badass! Roth TSP contributions will going by percentage as well.
Title: Re: Celebrations Thread
Post by: lovesasa on March 07, 2015, 11:34:17 PM
This month I calculated my net worth to be positive for the first time in my adult life!!!

 I was 17 when I started college with student loans. It was a bumpy ride, I dropped out for a bit, and ended up graduating late in December 2012. Today I am 25 and have ~$8.5K left in loans (out of an original ~$32K). I plan on paying off my last 'high interest' loan as soon as my most recent deposit clears the bank ($3,199 @5.8%). Then I will be left with only $5,276 in loans at ~4.25%, which I could pay off now if I liquidated my emergency fund. (Instead, I'm thinking of moving that $5K to a Mango account @ ~5% effective interest, and just using future savings to pay down the last two loans). It feels great to know I have the option of being 100% debt free!

I know I have a long ways to go, but I'm feeling really proud of myself. Only 3 years ago I was a college dropout working 60 hours a week at minimum wage. Back then I never would have believed that I would make it this far, let alone be considering future FI.
Title: Re: Celebrations Thread
Post by: G-dog on March 08, 2015, 07:25:10 AM
Congratulations, keep on climbing!
Title: Re: Celebrations Thread
Post by: Mistah Cash Lion on March 15, 2015, 12:34:29 AM
This month I calculated my net worth to be positive for the first time in my adult life!!!

 I was 17 when I started college with student loans. It was a bumpy ride, I dropped out for a bit, and ended up graduating late in December 2012. Today I am 25 and have ~$8.5K left in loans (out of an original ~$32K). I plan on paying off my last 'high interest' loan as soon as my most recent deposit clears the bank ($3,199 @5.8%). Then I will be left with only $5,276 in loans at ~4.25%, which I could pay off now if I liquidated my emergency fund. (Instead, I'm thinking of moving that $5K to a Mango account @ ~5% effective interest, and just using future savings to pay down the last two loans). It feels great to know I have the option of being 100% debt free!

I know I have a long ways to go, but I'm feeling really proud of myself. Only 3 years ago I was a college dropout working 60 hours a week at minimum wage. Back then I never would have believed that I would make it this far, let alone be considering future FI.

Way to go!! Keep up the good work. You're killing it.

Im grateful for an 18% raise in January. $14 to $16.50/hr. No where near what I need to reach my goals, but appreciating the wins as they come!
Title: Re: Celebrations Thread
Post by: Smevans on March 15, 2015, 10:39:41 AM
Paid off one of my 10 loans/credit cards today! Feels fantastic. Have plans to pay a second one off on Wednesday when I get some money from items I sold on ebay.

Hoping to be 100% debt free (including mortgage) before I am 30. A year and a half to go.
Title: Re: Celebrations Thread
Post by: yandz on March 22, 2015, 08:25:50 PM
Got a promotion this past week with a ~10k raise.  Same day the husband got a "salary rebalancing" (whatever that means) which resulted in a 6k raise.  Good day for the family savings rate. This should put us at 75% :)
Title: Re: Celebrations Thread
Post by: Sibley on March 23, 2015, 12:11:33 PM
Just paid off a cc. One down, one to go!
Title: Re: Celebrations Thread
Post by: benjamingrx on March 23, 2015, 05:02:36 PM
Sold a car today! We moved closer to work and both of us bike everyday, so our gas budget is almost non-existent now. Plus I got $2k grand more than my rock bottom price.

$11k cash in my pocket today = $11k straight to the retirement accounts tomorrow!!!

Woohoo!
Title: Re: Celebrations Thread
Post by: jordy913 on March 24, 2015, 02:49:30 PM
New member here. I started learning about FIRE in January of this year and I'm completely on board. So many light bulb moments! In the past 3-4 months, I:

- Upped my 401K contribution and Roth IRA (via backdoor) to the max
- Cancelled my Birchbox and PopSugar Must Have subscription boxes <-- What was I thinking?!
- Cancelled my gym membership and committed to exercising outdoors
- Got YNAB and set up a budget
- Set up an account on Personal Capital
- Haven't bought any new clothes
- Stopped buying stupid s**t on Amazon all the time
- Generally adopted a mindset of "Do I REALLY need that? Prob not"

It's really liberating! Next stop is to cut the cable cord, but it's March Madness and my DH is asking to wait until the tournament is over. I guess I can hold out until then :0




Title: Re: Celebrations Thread
Post by: nereo on March 24, 2015, 03:07:52 PM
- Upped my 401K contribution and Roth IRA (via backdoor) to the max
- Cancelled my Birchbox and PopSugar Must Have subscription boxes <-- What was I thinking?!
- Cancelled my gym membership and committed to exercising outdoors
- Got YNAB and set up a budget
- Set up an account on Personal Capital
- Haven't bought any new clothes
- Stopped buying stupid s**t on Amazon all the time
- Generally adopted a mindset of "Do I REALLY need that? Prob not"

Congrats.  The first and last one will be particularly helpful in reaching FI.
Title: Re: Celebrations Thread
Post by: Write Thyme on March 28, 2015, 02:32:03 PM
I just changed my 401k contribution from 8% to 14%! I changed my w4 withholding so it all worked out fairly even. My husband will be opening a Roth IRA just in time to take advantage of the saver's credit for 2014.

I know for this board these things are nothing, but for us they're huge. Baby steps. :)
Title: Re: Celebrations Thread
Post by: missbee on March 31, 2015, 12:25:54 AM
I just won free coffees for a year! I'm glad I entered that competition :)
It was a promotion where the stores were giving away free croissants if you entered the draw - I entered the draw just to get my freebie and actually won a prize. Sweet.
Title: Re: Celebrations Thread
Post by: Sunnymo on April 01, 2015, 03:33:51 AM
100th Post!

Mustache level upgrade!
Title: Re: Celebrations Thread
Post by: marty998 on April 01, 2015, 03:45:50 AM
1790th post!! (ok sorry j/k)

I think I'm over $600k n/w. Motoring along now :)
Title: Re: Celebrations Thread
Post by: nereo on April 01, 2015, 09:24:19 AM
1790th post!! (ok sorry j/k)

I think I'm over $600k n/w. Motoring along now :)
Awesome job marty998.  Now it becomes mostly up to Mr Market.  Keep it up.
Oh, and speaking your 1790th post... I'm thinking we need at least one category above the 500 postings for "Senior Mustachian".  Something to 'honor' those rare few like Dragoncar, thegoblinchief and others who have been around and posted so much.  Only I can't think of what that level should be called.  Suggestions?
Title: Re: Celebrations Thread
Post by: arebelspy on April 01, 2015, 10:09:03 AM
1790th post!! (ok sorry j/k)

I think I'm over $600k n/w. Motoring along now :)
Awesome job marty998.  Now it becomes mostly up to Mr Market.  Keep it up.
Oh, and speaking your 1790th post... I'm thinking we need at least one category above the 500 postings for "Senior Mustachian".  Something to 'honor' those rare few like Dragoncar, thegoblinchief and others who have been around and posted so much.  Only I can't think of what that level should be called.  Suggestions?

http://forum.mrmoneymustache.com/off-topic/mustache-levels/
Title: Re: Celebrations Thread
Post by: MrsSmitty on April 02, 2015, 06:46:55 AM
Two big wins to share. In March, for the first time ever, we got our savings rate over 50%. 52% to be exact. Granted that was due partly to reduced spending but mostly to a bonus coming in. But still! Our average is about 47% so it feels good to finally get over that milestone. Second big win: I realized that with the raise I'm going to be getting in the next few months (just a cost of living increase of 1-3%) I'm going to have to reduce the % I put toward my 401K as I'm already maxing it out. Woo! So the raise is going to feel even bigger because I'll end up with more of it in my take home pay. Neat!
Title: Re: Celebrations Thread
Post by: Pooperman on April 02, 2015, 07:11:36 AM
Two big wins to share. In March, for the first time ever, we got our savings rate over 50%. 52% to be exact. Granted that was due partly to reduced spending but mostly to a bonus coming in. But still! Our average is about 47% so it feels good to finally get over that milestone. Second big win: I realized that with the raise I'm going to be getting in the next few months (just a cost of living increase of 1-3%) I'm going to have to reduce the % I put toward my 401K as I'm already maxing it out. Woo! So the raise is going to feel even bigger because I'll end up with more of it in my take home pay. Neat!

Yay! Fiancee and I have only been over 50% once since we moved in October (it was also 52%, and also from my bonus).
Title: Re: Celebrations Thread
Post by: KMMK on April 02, 2015, 07:27:01 PM
In the first quarter of 2015 my investment gains were larger than my expenses, for the first time.
Title: Re: Celebrations Thread
Post by: marty998 on April 02, 2015, 07:50:08 PM
In the first quarter of 2015 my investment gains were larger than my expenses, for the first time.

now that is something to smile about
Title: Re: Celebrations Thread
Post by: PMG on April 04, 2015, 08:39:51 PM
I have more money than month!

I left a full time decent job in September to focus on college.  It was a high stress job I'd had for 8 years and I was completely burned out. I had juggled it with full time school for a year before I planned my escape.  I'm now working part time minimum wage (!) while I'm in school and doing an internship.  I expected to need to dip into my savings... but I haven't!  I have actually managed to save more than a hundred dollars each month!  That is small peanuts for most of you, but is far more than I expected!  I am transferring to a four year school in the fall and have a strong chance at a full tuition scholarship.  I am doing everything I can to get that bachelors degree without debt. 

It's all taking a little luck, a lot of hard work anda lo of frugality.   

What I save is staying liquid as cash flow is unpredicable right now.  I am so glad to have 8 years of retirement plan contributions to watch grow as I take this detour.

I even went on vacation last month.  I had a conference on the west coast that was paid for  by my old company (long story).  I felt some guilt over spending the money, but how often does one get a free plain ticket?  In the end I spent under 500 dollars for an extra week on the Californnia coast.  I got a cheap air bnb.  I bought groceries and made most of my own meals. I used public transportation and spent all day every day by the water.  I rented a car one day and explored Big Sur.  100 of the 500 spent was on food and actually fit into my regular food budget for the month, so I only spent 400 extra dollars on the week.  Pretty dang good. Worth every penny and I still average more than 100 savings each month. 

Thanks for letting me expound on things I can't admit in public! 

Title: Re: Celebrations Thread
Post by: arebelspy on April 04, 2015, 10:56:47 PM

I have more money than month!

...

It's all taking a little luck, a lot of hard work anda lo of frugality.   

Well done!  Keep it up, especially the attitude/mindset!  :)
Title: Re: Celebrations Thread
Post by: Quinny on April 05, 2015, 07:13:00 PM
I'll take little celebrations right now...

Hubby fixed a leaky faucet.
I've got homemade yogurt incubating.
Eating a dinner of fresh lettuce picked from the backyard garden.
Listed two things on Craigslist.
Our mini vacation, although ended, cost us nothing more than the price of food. Left a lovely dinner in the fridge for our very generous hosts.
Oh, and perhaps most exciting, I won ynab for free by doing an online class! I'm so excited I can hardly stand it!
Title: Re: Celebrations Thread
Post by: kreyc on April 05, 2015, 11:41:00 PM
Title: Re: Celebrations Thread
Post by: Erica/NWEdible on April 07, 2015, 07:14:59 PM
FI hit.
Title: Re: Celebrations Thread
Post by: Cherry Lane on April 07, 2015, 07:28:49 PM
FI hit.

That's a mini-accomplishment? (see post #1, below)  I'd love to know what you think a major one is!  Fantastic news, at any rate.

Use this thread to post your mini-accomplishments so we can celebrate with you!
Title: Re: Celebrations Thread
Post by: arebelspy on April 07, 2015, 07:34:53 PM
FI hit.

(http://ifavor123.com/ifavor/store/catalog/IPT035.gif)

Congrats Erica!  Well deserved.  :)
Title: Re: Celebrations Thread
Post by: 1967mama on April 07, 2015, 07:55:22 PM
FI hit.

Two little words with such significance! Way to go, Erica!
Title: Re: Celebrations Thread
Post by: Quinny on April 07, 2015, 07:56:52 PM
Yay Erica! Wahoo!
Title: Re: Celebrations Thread
Post by: Neustache on April 08, 2015, 05:24:54 AM
Congrats, Erica!  Just checked out your blog - the Natural Living post....too funny.  If I knew how to do a slow clap emoticon, I'd put one here. 
Title: Re: Celebrations Thread
Post by: happy on April 08, 2015, 07:27:51 AM
Congratulations Erica, love your work blog.
Title: Re: Celebrations Thread
Post by: nereo on April 08, 2015, 01:38:59 PM
FI hit.
Congrats Erica!  BTW I really enjoy your blog - I just hope someday to have half your skill.
Title: Re: Celebrations Thread
Post by: Erica/NWEdible on April 08, 2015, 04:55:26 PM
Hey thanks, guys! I've been pretty quiet on the forums lately b/c I've got this book thing happening and it's sucked all the extra computer hours from my day, but thinking about you wonderful stingy bastards has helped with the motivation factor many times!

We hit FI a couple weeks ago. I didn't want to make a thread about it or whatever but I did kinda want to have a teeny "YAY!" moment with you guys. There are very, very few people in "real life" I can tell about this point, and even my blog isn't an appropriate venue to discuss this kind of thing, so thanks for being the right peeps to celebrate with.

We were pushing pretty hard b/c my husband is a contractor and his gig expires in Fall - so we wanted to make any further work optional after that point. If he gets brought back for another couple years at his current (excellent) corporate contract gig, he'll likely do it for the additional $$$ buffer, but at this point the FU money is in place. My blog and the activities it chronicles (Urban Homesteading, cooking, preserving, etc.), is an integral part of our post-FI strategy. We pretty much plan to grow stuff, raise kids, write as much as we can, and eat really well. Maybe not life-changing goals, but satisfying to us.

Thanks for your kind words, guys!

XOXO
--Erica
Title: Re: Celebrations Thread
Post by: arebelspy on April 08, 2015, 06:16:25 PM

My blog and the activities it chronicles (Urban Homesteading, cooking, preserving, etc.), is an integral part of our post-FI strategy. We pretty much plan to grow stuff, raise kids, write as much as we can, and eat really well. Maybe not life-changing goals, but satisfying to us.

I'd love to hear more details on this, in the thread here if it's not germane to your blog.
Title: Re: Celebrations Thread
Post by: BEAST33 on April 09, 2015, 06:27:40 PM
I just paid off $28K in credit card and loan debt.  It's almost a surreal feeling to see zero balances on everything.  Now to get rid of my clown cars (jeep and Tahoe) for some cash cars.  Soon I'll be in good shape to start saving and not living pay check to pay check.  Thanks to MMM for inspiring me to live a better life and to be debt free....it truly is a great feeling.
Title: Re: Celebrations Thread
Post by: Erica/NWEdible on April 10, 2015, 08:37:26 PM

My blog and the activities it chronicles (Urban Homesteading, cooking, preserving, etc.), is an integral part of our post-FI strategy. We pretty much plan to grow stuff, raise kids, write as much as we can, and eat really well. Maybe not life-changing goals, but satisfying to us.

I'd love to hear more details on this, in the thread here if it's not germane to your blog.
Sure. I'm not a doomsday prepper or anything, but I think that our food supply is increasingly fragile, basically. I think that water pressure in California and increasingly frequent extreme weather events in staple-crop regions are going to put strong upward price pressures on America's historically cheap food supply. I don't see any kind of massive price spike happening immediately, except maybe in beef and dairy, but suspect we'll be looking at an economic environment where people who want to eat non-subsidized food crops (most fruits and vegetables, humanely raised meat, etc.) are going to have to pay a lot more for the opportunity to do so.

Having a large (by urban standards) garden, tree and berry fruit, and more self-sustaining meat and egg options gives my family a nice buffer against what I expect will be consistent price creep in food. It helps make us more "anti-fragile" to buzzword this. The solar panels we installed last year are also in this category - an initial investment will help us offset ongoing expenses for years going forward and help provide a buffer against unexpected fluctuations in energy prices.

My blog is both a feel-good thing (I really love sharing info as I can with like-minded people), a slight side-hustle, and a way to make many of our expenditures legitimate business expenses or things that can be had in trade with vendors (people send bloggers a lot of stuff, which can be kinda nice. New gardening books for free! Yay!)

In short, it might be fair to say that while I find our lifestyle extremely fulfilling on a day-to-day basis for a whole host of reasons, I also appreciate it as a reassuring insurance policy as we slide into the possibility of ER. I like having fuck you money AND fuck you food. :) Does that make sense?
Title: Re: Celebrations Thread
Post by: arebelspy on April 10, 2015, 10:24:19 PM
Totally!  Thanks for the explanation.  :)
Title: Re: Celebrations Thread
Post by: Rural on April 11, 2015, 06:22:59 PM
FI hit.


Woohoo!
Title: Re: Celebrations Thread
Post by: Dexterous on April 14, 2015, 11:17:14 PM
I just paid off $28K in credit card and loan debt.  It's almost a surreal feeling to see zero balances on everything.  Now to get rid of my clown cars (jeep and Tahoe) for some cash cars.  Soon I'll be in good shape to start saving and not living pay check to pay check.  Thanks to MMM for inspiring me to live a better life and to be debt free....it truly is a great feeling.

Well done!  You'll be amazed at how fast you can save/invest when you have no debt and efficient vehicles. 
Title: Re: Celebrations Thread
Post by: BEAST33 on April 15, 2015, 05:17:16 PM
I just paid off $28K in credit card and loan debt.  It's almost a surreal feeling to see zero balances on everything.  Now to get rid of my clown cars (jeep and Tahoe) for some cash cars.  Soon I'll be in good shape to start saving and not living pay check to pay check.  Thanks to MMM for inspiring me to live a better life and to be debt free....it truly is a great feeling.

Well done!  You'll be amazed at how fast you can save/invest when you have no debt and efficient vehicles.

Thanks Dexterous!  Good news - I received an offer today for $42K for the jeep.  An owner of a very large dealership wants it for himself.  How ironic is that haha!!  Now I just gotta have the same luck getting out from the Tahoe.
Title: Re: Celebrations Thread
Post by: PharmaStache on April 15, 2015, 07:50:37 PM
Reached 100k in our retirement accounts (TFSA and RRSP) today!  Found MMM about 6 months ago and have been aggressively saving ever since.  Even more fun than hitting a goal number is setting our next goal!
Title: Re: Celebrations Thread
Post by: Prospector on April 17, 2015, 07:05:10 AM
This is incredibly small, but I'm happy about it.

Got both my minis to school/daycare this morning and myself to work on a bike. I'd been putting this off for months trying to work out the logistics, but not only did everyone get everywhere on time, I got to the office 20 minutes early.

House to 7 yr old's school - 3.1 km (1.9 miles) - arrived right when the bell went off!!
School to daycare - 1.5 km (0.9 miles) - Crazy busy road - went on the sidewalk all the way.
Daycare to work - 1.8 km (1.1 miles) - Another busy road through an industrial area glad I didn't have any kids with me!

The 7 yr old was able to ride his own bike and the little guy went in the trailer. This summer we want to do some longer bike rides in Algonquin Park, so this helps us tune up for that. I know this is nothing compared to some of you guys on your bikes, but getting this down is pretty cool for me.
Title: Re: Celebrations Thread
Post by: KMMK on April 17, 2015, 08:49:19 AM
Reached 100k in our retirement accounts (TFSA and RRSP) today!  Found MMM about 6 months ago and have been aggressively saving ever since.  Even more fun than hitting a goal number is setting our next goal!

Nice job! It only gets easier in my experience.
Title: Re: Celebrations Thread
Post by: radtek2112 on April 17, 2015, 02:29:56 PM
Finally rid of Edward Jones!!!  All accounts with them are closed and moved to Vanguard.  This should save a LOT of money in fees and other bullshit charges.  This feels like a big weight off.  I like the control I have now too. I don't feel like I have to discuss my decisions with someone.
Title: Re: Celebrations Thread
Post by: PharmaStache on April 17, 2015, 02:52:32 PM
Finally rid of Edward Jones!!!  All accounts with them are closed and moved to Vanguard.  This should save a LOT of money in fees and other bullshit charges.  This feels like a big weight off.  I like the control I have now too. I don't feel like I have to discuss my decisions with someone.

Awesome job!  I know for myself it felt like such a huge annoying thing to do, but it feel awesome once you've done it.
Title: Re: Celebrations Thread
Post by: AmbitiousCanuck on April 18, 2015, 09:47:21 AM
We just broke six figure net worth!  Booyah!  Onwards and upwards!

Edit: I should mention that this is only counting liquid assets (Cash + Investments).
Title: Re: Celebrations Thread
Post by: TheRabbit on April 19, 2015, 05:24:47 AM
Nice job, AmbitiousCanuck! That is wonderful!

I had "The Talk" with my husband over a year ago, and slowly but surely he was starting to see the light. Just this weekend, he said he agrees that FI is possible in a shorter amount of time than he assumed AND he sees that not buy things = depriving yourself.

The turning point was when after asking him to "just give it a half-hearted try" for 9 months to humor me, I showed him how we easily paid off over $15,000 in credit card debt and saved $10,000 for emergencies.

Whoot! Big victory for us. FI here we come!
Title: Re: Celebrations Thread
Post by: katstache92 on April 21, 2015, 06:34:31 AM
I just hit 50k in investments for the first time!  I know that's small potatoes around here, but I'm on my way up!

I'm glad this thread is here because I am so excited and really wanted to tell someone this but I don't think it's wise to spread it around at work.
Title: Re: Celebrations Thread
Post by: nereo on April 21, 2015, 07:49:42 AM
I just hit 50k in investments for the first time!  I know that's small potatoes around here, but I'm on my way up!

Congrats!  Everything compounds - $100k will come up faster than you expected, and then it's on to $200k before you know it.
Title: Re: Celebrations Thread
Post by: Rheagar on April 21, 2015, 12:03:51 PM
As of today we are officially without cable! I had been hinting at wanting to get rid of cable for a few months, and this weekend my wife realized that she doesn't really watch TV even when it's on. It was mostly background noise for her while she did other stuff, and she actually likes the quiet.

So I called the cable company today and cancelled our service. We had been paying ~130 a month for cable and internet (I know, I know...), and our 1 year promo period just ended and it was now going to be ~200 a month!!! When I called I not only cancelled our cable service, I got twice the internet speed for 2/3 the cost of what I would have been paying, and also got an additional gig of cell data/month added to our plan at no cost (not a big deal since we never go over our limit but still).

So all told we will be saving ~87 bucks a month compared to what we've been paying, and a whopping 157 bucks a month if we just continued in our current situation.

I did spend a good chunk of change to get an OTA antenna and DVR (Channel Master DVR+, anyone else use one?) so that we can still record and pause/rewind shows on OTA channels. I figure that combined with our Fire TV stick and Netflix subscription will be way more than sufficient. I'm pretty pumped that we finally pulled the trigger!
Title: Re: Celebrations Thread
Post by: Jon_Snow on April 21, 2015, 02:03:04 PM
Rhaegar...lol.

Welcome to the forums!
Title: Re: Celebrations Thread
Post by: Rural on April 21, 2015, 06:27:40 PM
Tenure.
Title: Re: Celebrations Thread
Post by: grantmeaname on April 21, 2015, 07:14:29 PM
Woohoo! Congrats!
Title: Re: Celebrations Thread
Post by: arebelspy on April 21, 2015, 08:34:46 PM
Tenure.

Nice!  Congrats.  :)
Title: Re: Celebrations Thread
Post by: RetiredAt63 on April 22, 2015, 05:02:49 PM
Last month I paid off the Line of Credit and the car loan (it was at 0% so no great push) - two zero balances.  The credit cards get paid off weekly so they are always close to zero.  I still have a small RRSP loan (at prime) that should be done in 3 months, and the mortgage.  As the LOC went down it was gratifying to see the money free up (less interest due each month) and be able to put more down on it.  Now that money is being put aside for necessary house repairs, so no need to borrow for them.  Plus I have a bunch of annual bills come due this month, and the has more than enough for them.

Feels good.
Title: Re: Celebrations Thread
Post by: indentured4now on April 23, 2015, 08:36:43 PM
This week, I celebrate both the closing of my father's estate AND the 1 year anniversary of selling the small hobby farm where I grew up that was burning money and taking time away from my family to get it fixed up/cleared out to sell it.   The proceeds are a big chunk of my FIRE fund and income from that is paying down my mortgage faster.

At the same time, I'm itching to downsize and find a smaller piece of dirt of my own where my wife and I can garden again and be without a mortgage as our kids go off to college next year + last one 2 years after that.   Every day is a step closer (and some days are leaps) towards FIRE and FIGE (Financially Independent, Gardening Everyday"!
Title: Re: Celebrations Thread
Post by: Public Hermit on April 24, 2015, 08:50:33 AM
Paid off my student loans!
Title: Re: Celebrations Thread
Post by: Prospector on April 24, 2015, 12:59:17 PM
Paid off my student loans!

Thats such an awesome feeling! Congrats!
Title: Re: Celebrations Thread
Post by: Roundabouts on April 25, 2015, 06:06:00 PM
This is incredibly small, but I'm happy about it.

Got both my minis to school/daycare this morning and myself to work on a bike. I'd been putting this off for months trying to work out the logistics, but not only did everyone get everywhere on time, I got to the office 20 minutes early.

Good effort, enjoy the accomplishment!  Pretty soon it'll become second nature!
Title: Re: Celebrations Thread
Post by: Veosaber on April 26, 2015, 10:51:46 AM
Lurker here, finally have a proud moment I would like to share.

I passed the $50,000.00 net worth landmark!

It has taken two years out of school starting with nothing and paying off my car to get this far.  Onwards and upwards!
Title: Re: Celebrations Thread
Post by: nereo on April 27, 2015, 08:22:17 AM
I passed the $50,000.00 net worth landmark!

It has taken two years out of school starting with nothing and paying off my car to get this far.  Onwards and upwards!
Welcome Veosaber!  Congrats on having a positive net worth (NW) so early in your career. 
Kept it up - the next $50k will be a little bit easier, and then the next $50k easier still, and then....
Title: Re: Celebrations Thread
Post by: protostache on April 30, 2015, 11:01:05 AM
DW and I paid off over $14k of debt this month, killing her student loan and my car loan. Now we just have the mortgage and an extra $400/mo of cash flow to either throw at the mortgage (244k and 29 years left @ 4.25%) or our stash.
Title: Re: Celebrations Thread
Post by: notoriusjt2 on May 01, 2015, 02:09:22 PM
Wife and I paid off $13k worth of student loans this year alone. While it feels empty sending someone that much money and not having anything to show for it, its a huge relief not to have to pay that crap every month.
Title: Re: Celebrations Thread
Post by: choppingwood on May 02, 2015, 09:31:46 PM
Wife and I paid off $13k worth of student loans this year alone. While it feels empty sending someone that much money and not having anything to show for it, its a huge relief not to have to pay that crap every month.

Having an education is something to show for it....

Great that you are making progress paying off the loans.
Title: Re: Celebrations Thread
Post by: Marus on May 04, 2015, 09:15:49 AM
When I put together a balance sheet I realized I passed $50,000 new worth!  Yay :)

I finally got a bike trailer and used it to get groceries.  Now I'm trying to think up cool camping or kayaking trips I can go on with it. It's exciting to think about getting around without a car.
Title: Re: Celebrations Thread
Post by: lovesasa on May 05, 2015, 02:58:30 AM
A few mini wins...

*All I had to do was put in my notice to leave at the end of the school year and not react to a counter offer for 2 weeks while I decided... My non-existent negotiating skills for the win?

(Edited for a typo)
Title: Re: Celebrations Thread
Post by: nereo on May 05, 2015, 09:40:34 AM
A few mini wins...
  • Got a 13.8% raise starting in July*
  • Decreased to 4 days a week*
  • Got a tutoring student for Saturdays starting next school year (a friend is moving and asked me to take over)
  • Opened my first investment account (unfortunately after having to withdraw my contributions to my Roth IRA)
  • May have found a new apartment that will be a little more than HALF of what I'm paying now
  • I was under budget for April despite some unexpected large-ish expenses!

*All I had to do was put in my notice to leave at the end of the school year and not react to a counter offer for 2 weeks while I decided... My non-existent negotiating skills for the win?

(Edited for a typo)
It's amazing what kind of bargaining power you gain when you don't need to stay.  Or to put it another way: "He/She who can walk away holds all the cards."
Title: Re: Celebrations Thread
Post by: Pooperman on May 05, 2015, 10:14:20 AM
A few mini wins...
  • Got a 13.8% raise starting in July*
  • Decreased to 4 days a week*
  • Got a tutoring student for Saturdays starting next school year (a friend is moving and asked me to take over)
  • Opened my first investment account (unfortunately after having to withdraw my contributions to my Roth IRA)
  • May have found a new apartment that will be a little more than HALF of what I'm paying now
  • I was under budget for April despite some unexpected large-ish expenses!

*All I had to do was put in my notice to leave at the end of the school year and not react to a counter offer for 2 weeks while I decided... My non-existent negotiating skills for the win?

(Edited for a typo)
It's amazing what kind of bargaining power you gain when you don't need to stay.  Or to put it another way: "He/She who can walk away holds all the cards."

Very true! I was put forward for a new position by a recruiter. It was something I was very interested in, but they screwed up the interview process. Salary originally was 70-75 (still above what I get now), but due to the screw up and telling the recruiter that I wasn't sure if I should work for a place that would screw up interviews like that, the salary will now be 80-85. They are very interested in me and the final interview is tomorrow. Will report back as winning the position will be a celebration! Also, it comes with less stress than what I do now. Double win.
Title: Re: Celebrations Thread
Post by: lovesasa on May 05, 2015, 10:29:35 AM
A few mini wins...
  • Got a 13.8% raise starting in July*
  • Decreased to 4 days a week*
  • Got a tutoring student for Saturdays starting next school year (a friend is moving and asked me to take over)
  • Opened my first investment account (unfortunately after having to withdraw my contributions to my Roth IRA)
  • May have found a new apartment that will be a little more than HALF of what I'm paying now
  • I was under budget for April despite some unexpected large-ish expenses!

*All I had to do was put in my notice to leave at the end of the school year and not react to a counter offer for 2 weeks while I decided... My non-existent negotiating skills for the win?

(Edited for a typo)
It's amazing what kind of bargaining power you gain when you don't need to stay.  Or to put it another way: "He/She who can walk away holds all the cards."

Very true! I was put forward for a new position by a recruiter. It was something I was very interested in, but they screwed up the interview process. Salary originally was 70-75 (still above what I get now), but due to the screw up and telling the recruiter that I wasn't sure if I should work for a place that would screw up interviews like that, the salary will now be 80-85. They are very interested in me and the final interview is tomorrow. Will report back as winning the position will be a celebration! Also, it comes with less stress than what I do now. Double win.

I always hear these things, but it's amazing to see it in action! After two weeks of thinking I was actually willing to accept just the 4 days a week with no raise, but my boss added the raise herself. I probably could have gotten a bit more if I were better at this "negotiating" thing but I was mostly in shock... 80% time for the same pay is already a decent "raise" per hour and then she added the raise I was going to ask for before I thought about leaving.

Ironically, this has definitely indoctrinated me to the power of having "FU" money, which makes me all the more eager to stay and save more... So I can really be free to walk away, when I'm ready to.

That's great that you were able to get an even higher offer for what sounds like a job you're excited about! They must really want you. Good luck in the next step! Definitely let us know how it goes. :) Do you mind if I ask what field you're in?
Title: Re: Celebrations Thread
Post by: Pooperman on May 05, 2015, 10:34:33 AM
A few mini wins...
  • Got a 13.8% raise starting in July*
  • Decreased to 4 days a week*
  • Got a tutoring student for Saturdays starting next school year (a friend is moving and asked me to take over)
  • Opened my first investment account (unfortunately after having to withdraw my contributions to my Roth IRA)
  • May have found a new apartment that will be a little more than HALF of what I'm paying now
  • I was under budget for April despite some unexpected large-ish expenses!

*All I had to do was put in my notice to leave at the end of the school year and not react to a counter offer for 2 weeks while I decided... My non-existent negotiating skills for the win?

(Edited for a typo)
It's amazing what kind of bargaining power you gain when you don't need to stay.  Or to put it another way: "He/She who can walk away holds all the cards."

Very true! I was put forward for a new position by a recruiter. It was something I was very interested in, but they screwed up the interview process. Salary originally was 70-75 (still above what I get now), but due to the screw up and telling the recruiter that I wasn't sure if I should work for a place that would screw up interviews like that, the salary will now be 80-85. They are very interested in me and the final interview is tomorrow. Will report back as winning the position will be a celebration! Also, it comes with less stress than what I do now. Double win.

I always hear these things, but it's amazing to see it in action! After two weeks of thinking I was actually willing to accept just the 4 days a week with no raise, but my boss added the raise herself. I probably could have gotten a bit more if I were better at this "negotiating" thing but I was mostly in shock... 80% time for the same pay is already a decent "raise" per hour and then she added the raise I was going to ask for before I thought about leaving.

Ironically, this has definitely indoctrinated me to the power of having "FU" money, which makes me all the more eager to stay and save more... So I can really be free to walk away, when I'm ready to.

That's great that you were able to get an even higher offer for what sounds like a job you're excited about! They must really want you. Good luck in the next step! Definitely let us know how it goes. :) Do you mind if I ask what field you're in?

Currently IT consulting (Salesforce Business Analyst), transitioning to (Sr.) IT Admin (also Salesforce).
Title: Re: Celebrations Thread
Post by: arebelspy on May 05, 2015, 11:25:11 AM
I had some success this past weekend at a longtime hobby of mine, something I'll rarely, if ever, be able to do once I'm FIREing and traveling around the world.

It was quite gratifying.
Title: Re: Celebrations Thread
Post by: nereo on May 05, 2015, 11:33:48 AM
I had some success this past weekend at a longtime hobby of mine, something I'll rarely, if ever, be able to do once I'm FIREing and traveling around the world.

It was quite gratifying.
ok cryptic... what's your "longtime hobby" that you won't be able to do once FIRE & traveling?
Title: Re: Celebrations Thread
Post by: arebelspy on May 05, 2015, 11:37:14 AM
I had some success this past weekend at a longtime hobby of mine, something I'll rarely, if ever, be able to do once I'm FIREing and traveling around the world.

It was quite gratifying.
ok cryptic... what's your "longtime hobby" that you won't be able to do once FIRE & traveling?

Juggling geese. Baby geese - goslings.

(https://ih1.redbubble.net/image.11653817.1580/fc,550x550,heather_grey.2.jpg)
Title: Re: Celebrations Thread
Post by: nereo on May 05, 2015, 11:55:45 AM

Juggling geese. Baby geese - goslings.
I tried juggling kittens once, but it turns out they are little more than teeth and fangs...
Title: Re: Celebrations Thread
Post by: Rheagar on May 05, 2015, 01:09:55 PM
Just made the switch from ATT to Consumer Cellular, reducing our cell phone bill from 100 to 60/month. Service will be virtually identical, they even use ATT's network!
Title: Re: Celebrations Thread
Post by: iamlittlehedgehog on May 06, 2015, 02:16:08 PM
It may not count for much but we figured out our debt free date! Without a (prospective) inheritance - February 2017, with the inheritance it will be August 8, 2016. We are putting off our honeymoon until we are debt free so it'll be even more special!
Title: Re: Celebrations Thread
Post by: Pooperman on May 12, 2015, 12:43:47 PM
New job!
Title: Re: Celebrations Thread
Post by: nereo on May 12, 2015, 02:30:38 PM
New job!
Given this is the "Celebrations Thread" and not the "Crappy Things That Have Happened To Me" thread I take it you like your new job... congrats, what is it?
Title: Re: Celebrations Thread
Post by: 1967mama on May 12, 2015, 02:53:06 PM
My husband hung up a load of laundry while I was away -- serious badassity!
Title: Re: Celebrations Thread
Post by: Pooperman on May 12, 2015, 04:28:02 PM
New job!
Given this is the "Celebrations Thread" and not the "Crappy Things That Have Happened To Me" thread I take it you like your new job... congrats, what is it?

Well I got a new job and I'm happy about that since that is the one I wanted for about a year now. I start in June and have my notice today. Comes with a 25% raise which brings my total salary to double what it was for my first job. In two years! Salesforce admin/systems analyst is the position.
Title: Re: Celebrations Thread
Post by: mlipps on May 12, 2015, 07:55:47 PM
New job!
Given this is the "Celebrations Thread" and not the "Crappy Things That Have Happened To Me" thread I take it you like your new job... congrats, what is it?

Well I got a new job and I'm happy about that since that is the one I wanted for about a year now. I start in June and have my notice today. Comes with a 25% raise which brings my total salary to double what it was for my first job. In two years! Salesforce admin/systems analyst is the position.

And you got to make the 1000th post in the celebrations thread, that must be good luck! Congrats!
Title: Re: Celebrations Thread
Post by: Ferrisbueller on May 14, 2015, 04:53:57 PM
Got a $15,000 bonus today and got my employer to increase their contribution to my 401k to $860 per month (up from $550 per month)

I did have a bonus day lunch - KFC $11
Title: Re: Celebrations Thread
Post by: jdgj on May 16, 2015, 09:32:01 AM
I was wrestling back and forth between paying off the used car loan in June or now.

Then the normal paycheck came in, and I decided. Fuck You Loan!

So, no used car loan anymore. Attempted to sign into the website to double-check (the bank account shows the debit card payment), and apparently it's an error to have an account paid off on their website. I'm not going to complain!

I am going to do a little bit more maintenance & repair on the car, and then sell it to get a more-Mustachian car. I still cannot bring myself to actively choose a manual gearbox, but I have gotten some more practice this year.

One loan done! 2 more to go.
Title: Re: Celebrations Thread
Post by: protostache on May 17, 2015, 07:42:46 AM
I was wrestling back and forth between paying off the used car loan in June or now.

Then the normal paycheck came in, and I decided. Fuck You Loan!

So, no used car loan anymore. Attempted to sign into the website to double-check (the bank account shows the debit card payment), and apparently it's an error to have an account paid off on their website. I'm not going to complain!

I am going to do a little bit more maintenance & repair on the car, and then sell it to get a more-Mustachian car. I still cannot bring myself to actively choose a manual gearbox, but I have gotten some more practice this year.

One loan done! 2 more to go.

Yay for paying off cars! As of last month ours are paid off too and it's such a relief to be down to just the mortgage.

As for current celebrations, DW switched her accounts over to joint and mine should finally be done processing the paperwork tomorrow. I feel like this means we're operating much more like a team instead of a partnership (a la the recent thread by the same name), which makes me sort of irrationally happy. As a result of the combo we just opened our first taxable account and pushed our investment balance over $100k for the first time.
Title: Re: Celebrations Thread
Post by: jdgj on May 17, 2015, 07:35:59 PM
I was wrestling back and forth between paying off the used car loan in June or now.

Then the normal paycheck came in, and I decided. Fuck You Loan!

So, no used car loan anymore. Attempted to sign into the website to double-check (the bank account shows the debit card payment), and apparently it's an error to have an account paid off on their website. I'm not going to complain!

I am going to do a little bit more maintenance & repair on the car, and then sell it to get a more-Mustachian car. I still cannot bring myself to actively choose a manual gearbox, but I have gotten some more practice this year.

One loan done! 2 more to go.

Yay for paying off cars! As of last month ours are paid off too and it's such a relief to be down to just the mortgage.

As for current celebrations, DW switched her accounts over to joint and mine should finally be done processing the paperwork tomorrow. I feel like this means we're operating much more like a team instead of a partnership (a la the recent thread by the same name), which makes me sort of irrationally happy. As a result of the combo we just opened our first taxable account and pushed our investment balance over $100k for the first time.

Yay for six figures! I am way off the mark on investing. I am still in the get out of debt phase, so moving into the investment stage will take a little time (hopefully not too much longer though, maybe a year or 2).
Title: Re: Celebrations Thread
Post by: Rheagar on May 18, 2015, 06:48:45 AM
We just crossed 150k in investments. We are creeping up on 250k net worth, should happen by the end of the year easily!
Title: Re: Celebrations Thread
Post by: CongoKid on May 18, 2015, 11:22:31 AM
Just received and accepted a promotion and pay raise for a move to a city with a cost of living 50% less expensive than my current post.   Live on the Indian Ocean and bump your savings rate to 65%, I'll take it!
Title: Re: Celebrations Thread
Post by: protostache on May 18, 2015, 02:53:44 PM
Just received and accepted a promotion and pay raise for a move to a city with a cost of living 50% less expensive than my current post.   Live on the Indian Ocean and bump your savings rate to 65%, I'll take it!

65% is amazing! What service are you in, if you don't mind me asking?
Title: Re: Celebrations Thread
Post by: ender on May 18, 2015, 09:10:49 PM
As for current celebrations, DW switched her accounts over to joint and mine should finally be done processing the paperwork tomorrow. I feel like this means we're operating much more like a team instead of a partnership (a la the recent thread by the same name), which makes me sort of irrationally happy. As a result of the combo we just opened our first taxable account and pushed our investment balance over $100k for the first time.

That's such a great feeling :)
Title: Re: Celebrations Thread
Post by: CongoKid on May 21, 2015, 01:02:02 AM
Just received and accepted a promotion and pay raise for a move to a city with a cost of living 50% less expensive than my current post.   Live on the Indian Ocean and bump your savings rate to 65%, I'll take it!

65% is amazing! What service are you in, if you don't mind me asking?

Thanks Protostache....I'm in the international non-profit sector where a lot of costs are covered by the organization (e.g., housing, utilities) so it's much easier to get a higher savings rate.  I'm trying to take advantage of this for the years i'll be overseas.
Title: Re: Celebrations Thread
Post by: link_417 on May 30, 2015, 12:25:13 PM
Reached my first mini-goal of $5k net worth! 

I reached $0.00 NW last year and have been trying to reach my first goal of $5k NW before the halfway point of the year.  I kept fluctuating up and down around $4k and thought I would never break $5k, but last night I realized I forgot about the HSA my employer funds -- an extra $1.2k :)  I'm shooting for $10k by the end of the year.

Title: Re: Celebrations Thread
Post by: protostache on June 01, 2015, 10:21:31 AM
In January 2007 I graduated college, moved across the country, got myself a fancy apartment all by myself, and bought a brand new car. I've tracked every penny that I've spent since that May, starting when I bounced a rent check and found myself with no cash and a heck of a lot of debt. This morning I made a stash chart for the first time:

(https://photos-2.dropbox.com/t/2/AADrVfJFfC165azUC4QrvnaBOC1FziGZ0NC8CS-LHkyo_g/12/5193213/png/32x32/1/_/1/2/Screenshot%202015-06-01%2012.05.07.png/CP37vAIgASACIAMgBCAFIAYgBygBKAI/OOnv-CfsXKOY21H7gajeaLIGAdktVr7bk1Tqyl-olYs?size=1024x768&size_mode=2)

A few notes:

Title: Re: Celebrations Thread
Post by: Mikhial on June 05, 2015, 06:13:14 AM
I just got $400 I already had written off as gone!

I was roommates with a couple a few years back. That's something I never plan to do again. No matter what, you will be out-numbered so it can make life hard. Anyway, I ended up moving out at the end of the lease, but they stayed and renewed.

As much as I tried, I was not able to get the to give me my portion of the security deposit. They had another couple moving in but it didn't seem "fair" to the new couple to have to pay a deposit. So I was stuck with a deposit on a house I didn't even live in. A year later at the end of the renewal, I tried to get my deposit back. Nope, they're going to renew again.

Last April was the 2nd year after my lease ended. I had already written the money off long ago but I wanted to give one last try. I emailed with no response. A few days later I FaceBook messaged and didn't get a response. Few days later I texted and got nothing. Few days after that I left a voice message.

I figured I could do everything I could and was about to give up. Then a day or two later I got an email saying he wanted to work out an agreement! It took to installments, but I just got my second $200 PayPal transfer last night. That was a happy little surprise :)
Title: My Hair is no Longer on Fire!
Post by: K-Dogg on June 05, 2015, 02:12:11 PM
My name is K-dogg, and my hair is no longer on fire. I’m a 29 year old Canadian female. Over the past 20 months I have paid off 67k in debt.

I never carried debt before entering university at 23, even though I was a bit of a spendy pants. I was fortunate to have always held down a well paying job. Once school started, I was only working 4 months a year in the summer and my spending habits didn’t change.

Here’s my debt breakdown:

National Student Loan - $15,955
Provincial Student Loan - $18,490
Car Loan - $6,200
Visa - $9000USD
Mastercard - $15,000
Credit Line - $3000

When I found MMM about 6 months ago, I was already well on my way to paying off my debt.  But this site, the blog posts, forums and contributors have been so encouraging.

Looking forward, this will be the year I make my first investment. Something I had never given any serious thought to before. Hope to see you all around the forums. I am officially no longer only a lurker!
Title: Re: My Hair is no Longer on Fire!
Post by: KMMK on June 05, 2015, 02:15:59 PM
My name is K-dogg, and my hair is no longer on fire. I’m a 29 year old Canadian female. Over the past 20 months I have paid off 67k in debt.

I never carried debt before entering university at 23, even though I was a bit of a spendy pants. I was fortunate to have always held down a well paying job. Once school started, I was only working 4 months a year in the summer and my spending habits didn’t change.

Here’s my debt breakdown:

National Student Loan - $15,955
Provincial Student Loan - $18,490
Car Loan - $6,200
Visa - $9000USD
Mastercard - $15,000
Credit Line - $3000

When I found MMM about 6 months ago, I was already well on my way to paying off my debt.  But this site, the blog posts, forums and contributors have been so encouraging.

Looking forward, this will be the year I make my first investment. Something I had never given any serious thought to before. Hope to see you all around the forums. I am officially no longer only a lurker!

Wow, good for you! If you can pay off that amount of debt that quickly you should have no trouble accumulating a nice net worth.
Title: Re: Celebrations Thread
Post by: K-Dogg on June 05, 2015, 03:39:11 PM
Thanks Kestra! The last 2 years has definitely been the highest earnings years I've had. That will lower a bit now with oil prices so low, but I'm still making out pretty good. I've been very lucky to avoid layoffs which are very common in my type of work.
Title: Re: Celebrations Thread
Post by: Cougar on June 06, 2015, 01:29:10 PM
 
 checked investments and realized i was 15k further ahead than i had thought. great feeling and had to push my year end goals up and pushed my fire date to 18 MONTHS !
Title: Re: Celebrations Thread
Post by: Cougar on June 06, 2015, 01:31:13 PM
Reached my first mini-goal of $5k net worth! 

I reached $0.00 NW last year and have been trying to reach my first goal of $5k NW before the halfway point of the year.  I kept fluctuating up and down around $4k and thought I would never break $5k, but last night I realized I forgot about the HSA my employer funds -- an extra $1.2k :)  I'm shooting for $10k by the end of the year.

congrats 1.2k  !

i bet you make 10k this year. once you start serius saving it always piles up faster than you think in my experience.
Title: Re: Celebrations Thread
Post by: link_417 on June 06, 2015, 08:07:48 PM
Reached my first mini-goal of $5k net worth! 

I reached $0.00 NW last year and have been trying to reach my first goal of $5k NW before the halfway point of the year.  I kept fluctuating up and down around $4k and thought I would never break $5k, but last night I realized I forgot about the HSA my employer funds -- an extra $1.2k :)  I'm shooting for $10k by the end of the year.

congrats 1.2k  !

i bet you make 10k this year. once you start serius saving it always piles up faster than you think in my experience.

Thanks, Cougar!  I have a bunch of expenses coming up because of this move but once I'm settled, it'll be full speed ahead :D
Title: Re: Celebrations Thread
Post by: iamlittlehedgehog on June 08, 2015, 09:06:31 AM
We payed off our first credit card in 8 weeks! We slammed about $150 on it a week and just closed it. Plan on having a card cutting ceremony tonight :)
We can't brag about this to anyone other than my Mustachian family but it feels good and finally feels like we have some momentum to paying off our debt!
Title: Re: Celebrations Thread
Post by: protostache on June 08, 2015, 10:08:51 AM
We payed off our first credit card in 8 weeks! We slammed about $150 on it a week and just closed it. Plan on having a card cutting ceremony tonight :)
We can't brag about this to anyone other than my Mustachian family but it feels good and finally feels like we have some momentum to paying off our debt!

Congrats! That's awesome.

Did you actually close the account yet? It's usually best practice to leave the account open with zero balance, since average age of accounts is a large component of your credit score.
Title: Re: Celebrations Thread
Post by: iamlittlehedgehog on June 08, 2015, 10:28:46 AM
We payed off our first credit card in 8 weeks! We slammed about $150 on it a week and just closed it. Plan on having a card cutting ceremony tonight :)
We can't brag about this to anyone other than my Mustachian family but it feels good and finally feels like we have some momentum to paying off our debt!

Congrats! That's awesome.

Did you actually close the account yet? It's usually best practice to leave the account open with zero balance, since average age of accounts is a large component of your credit score.

Thank you! Hopefully we can knock it the next one this quickly too :)

We went ahead and closed it. It is actually my DH's CC and his credit score is high enough it can take a hit and we have no credit dependent purchases anytime soon, and this was a pretty low limit card (maybe 2k?) so the impact on our total utilization ratio is pretty minor. We intend to keep my card open then later down the line open one with better benefits. This card had almost zero rewards and we only opened it because our 12 year old moodle slipped a disc and had emergency vet bills (we are working on an emergency fund too)
Title: Re: Celebrations Thread
Post by: Cougar on June 08, 2015, 08:15:01 PM
We payed off our first credit card in 8 weeks! We slammed about $150 on it a week and just closed it. Plan on having a card cutting ceremony tonight :)
We can't brag about this to anyone other than my Mustachian family but it feels good and finally feels like we have some momentum to paying off our debt!

Congrats! That's awesome.

Did you actually close the account yet? It's usually best practice to leave the account open with zero balance, since average age of accounts is a large component of your credit score.

congrats and this is what i do. i have cards sitting in my file cabinet that i never use. i actually got a letter from one tell me if i dont use it in 2 months theyre going to close it for me.
Title: Re: My Hair is no Longer on Fire!
Post by: T-Rex on June 11, 2015, 08:46:36 PM
My name is K-dogg, and my hair is no longer on fire. I’m a 29 year old Canadian female. Over the past 20 months I have paid off 67k in debt.

I am super impressed. I really want to know how you did it. Are you going to start a journal?
Title: Re: Celebrations Thread
Post by: Sister C on June 13, 2015, 11:41:15 AM
My wife has started making mustachian comments!  She was initially skeptical so I didn't push the mustachian ideas I was discovering here. But over the past six months or so, she's seen me make changes in my own behavior (biking to work, tracking finances, aggressively paying off the student loan, no longer buying beauty products etc) as well as a larger change in my attitude (away from convenience/waste, not chasing luxury, towards more stable sources of happiness).  She's commented recently on how good it will feel to pay off the student loan, how we don't need more stuff to be happy, how having less stuff would actually increase our happiness, and how our life is already incredibly luxurious.  Love it!
Title: Re: Celebrations Thread
Post by: Rural on June 13, 2015, 12:32:02 PM
Got next year's contract, and it includes a small raise, apparently some of it a very competitive merit raise. (Some is promotion-related, as I just got  tenure and promotion to associate professor.)
Title: Re: Celebrations Thread
Post by: G-dog on June 13, 2015, 12:36:10 PM
Got next year's contract, and it includes a small raise, apparently some of it a very competitive merit raise. (Some is promotion-related, as I just got  tenure and promotion to associate professor.)

Congratulations on getting tenure! It's a big hurdle Prof. Rural
And congrats on the raise.
Title: Re: Celebrations Thread
Post by: Rural on June 14, 2015, 07:42:59 AM
Got next year's contract, and it includes a small raise, apparently some of it a very competitive merit raise. (Some is promotion-related, as I just got  tenure and promotion to associate professor.)

Congratulations on getting tenure! It's a big hurdle Prof. Rural
And congrats on the raise.


Thanks, G-Dog. The tenure's been awhile so ATM I'm more excited about the raise, but tenure also means I'm not automatically fired for not getting it, so it's a Good Thing!
Title: Re: Celebrations Thread
Post by: OttoVonBisquick on June 14, 2015, 10:25:11 PM
Hey all! A few small things to celebrate:

1) Went to a Goodwill store to find pants (which I did, $5!) and walked away with pants, a breadmaker, and a clothes iron (for said pants after a wrinkly wash) all for $15!
2) Really paid attention to price, and bought a ton of food (maybe 1.5 or 2 weeks worth) for $55
3) Researched up and am practicing hypermiling (engine braking, mainly), to look forward to higher-than-40-MPG-as-usual mileage
4) Just realized that by taking the train every day to work (for free!) I save SO MUCH on gas and future repairs!

5) I posted for the first (now 6) times today! I am already deeply excited about this forum community, and really am looking forward to meeting everyone here.
Title: Re: Celebrations Thread
Post by: 1967mama on June 15, 2015, 03:37:51 AM
Welcome, @Otto!

Nice job on the food shopping! (and other celebrations too)
Title: Re: Celebrations Thread
Post by: LucyBIT on June 15, 2015, 02:04:34 PM
My little sister and I fixed my dryer door the other night. Ordered new hinges, swapped them out, works like a charm now!
Title: Re: Celebrations Thread
Post by: Carlsky on June 17, 2015, 07:29:25 AM
On Wednesday June 10th, my wife and I paid off our line of credit.  Our only debt now is the mortgage on our house.  By the end of the year we will have our emergency fund fully funded.
Title: Re: Celebrations Thread
Post by: Prospector on June 17, 2015, 08:09:40 AM
On Wednesday June 10th, my wife and I paid off our line of credit.  Our only debt now is the mortgage on our house.  By the end of the year we will have our emergency fund fully funded.

So Jealous. The line of credit is such a weight for us. Its kindof a big deal around our house that we are pre-paying our kids summer daycamps without dipping into it this year - only 2 more weeks to pre-pay and then we can redirect all the childcare money to paying down the LoC. In the fall our youngest begins full-day school so our childcare will be down to after-school care for a half-hour each day. That will allow a much more aggressive pay-down.

Good for you on tackling that debt!
Title: Re: Celebrations Thread
Post by: TheBanker on June 17, 2015, 12:32:20 PM
My net worth went from red to black today. Hopefully it will never go back!

I graduated college in 2013 with ~$25K in student loans and CC's and $22K auto loan. Still have some loans to pay down (at 3.15%) but have been adding to my vanguard accts since finding this site.

I turned in an old expense report yesterday and logged onto mint to find the good news!
Title: Re: Celebrations Thread
Post by: secondcor521 on June 18, 2015, 08:49:56 AM
My WR-if-I-were-to-RE-today dropped below 3% yesterday.

I fully funded my Roth pipeline as of last week.

RE target (tentative, may contract OMY disease) is 2/19/16.
Title: Re: Celebrations Thread
Post by: arebelspy on June 18, 2015, 09:07:01 AM
My WR-if-I-were-to-RE-today dropped below 3% yesterday.

I fully funded my Roth pipeline as of last week.

RE target (tentative, may contract OMY disease) is 2/19/16.

Congrats!  I hope you catch OLY disease.  :)
Title: Re: Celebrations Thread
Post by: Cougar on June 18, 2015, 09:17:10 AM

 Just got back a bigger tax refund than I was expecting. It dropped my fire date by 2 months, I'm now less than 20 months away !
Title: Re: Celebrations Thread
Post by: secondcor521 on June 18, 2015, 01:12:52 PM
My WR-if-I-were-to-RE-today dropped below 3% yesterday.

I fully funded my Roth pipeline as of last week.

RE target (tentative, may contract OMY disease) is 2/19/16.

Congrats!  I hope you catch OLY disease.  :)

Thanks, ARS!  My countdown says 246 days left, so OLY will be hard :-).

Options vest on 2/4, will give 2 week notice on 2/5.  That's the current plan anyway; I may tweak it a little.
Title: Re: Celebrations Thread
Post by: happy on June 18, 2015, 04:14:58 PM
Finally achieved a 60% savings rate :). Its been a goal ever since I hit 50% 3 years ago.
Title: Re: Celebrations Thread
Post by: Rural on June 18, 2015, 06:14:10 PM
Convinced my husband we should put 10-15k of our overlarge cash holdings into Vanguard funds. Considering he was raised by people who survived the Depression and still regards banks with a fair bit of healthy suspicion, this agreeing to the stock market thing is huge.
Title: Re: Celebrations Thread
Post by: arebelspy on June 18, 2015, 07:22:50 PM
Finally achieved a 60% savings rate :). Its been a goal ever since I hit 50% 3 years ago.

You must be happy.
Title: Re: Celebrations Thread
Post by: happy on June 19, 2015, 04:54:39 PM
Yup. Maybe I should change my handle to Tortoise. But you know slow and steady wins the race…..the changes I've made are well entrenched and sustainable
Title: Re: Celebrations Thread
Post by: Sibley on June 25, 2015, 11:46:46 AM
Just a small achievement, but I'm really proud of it. I've been biking to work from the train station, about 1.5 miles. Except the last couple blocks are up a hill. This hill is murder, and I always have to walk part way up. My goal was to make it up the hill by the end of summer. Yesterday, I managed to make it up the hill on the bike!
Title: Re: Celebrations Thread
Post by: arebelspy on June 25, 2015, 02:01:45 PM
Just a small achievement, but I'm really proud of it. I've been biking to work from the train station, about 1.5 miles. Except the last couple blocks are up a hill. This hill is murder, and I always have to walk part way up. My goal was to make it up the hill by the end of summer. Yesterday, I managed to make it up the hill on the bike!

That's huge!  Your badassity muscles are bulging!
Title: Re: Celebrations Thread
Post by: karaishere on June 26, 2015, 06:16:18 PM
We sold my husband's 2007 Saturn Ion. Best part is? He wants to save the money. It was his car from before we married, so I didn't put any expectations on what he should do with the money. I love how far he's come in just a year of me being on this forum. :)
Title: Re: Celebrations Thread
Post by: Rural on June 26, 2015, 07:15:22 PM
Opened a Vanguard account this week, our first post-tax investments in anything with a chance of some reasonable return. Since Se waited so long, we can go straight to Admiral shares, it looks like.
Title: Re: Celebrations Thread
Post by: Amesenator on June 27, 2015, 04:25:34 PM
Heading back today to live in the U.S. after living in Shanghai for 11 years. Cultural experience/travel were big motivating factors for the move, but we also had financial goals. All the savings goals set at the outset have been met, we have paid off our Seattle house, cleared a 3x return on the apartment we purchased when we first moved here and are returning with a nice nest egg - pretty amazing to think back at our hopes and see how things have turned out. Plus, we've had a terrific experience living here - win all around!
Title: Re: Celebrations Thread
Post by: Credaholic on July 01, 2015, 01:39:01 PM
I'm not thrilled with where we're at in this moment, so I think I need to celebrate the things we do have to celebrate:

Paid off my Prius! It wasn't a big loan or a high interest rate, so I just slowly made monthly payments and as of last month it is mine all mine :) I celebrated with new tires which it desperately needed, and decided not to get the small scuff on the back bumper from being rear ended fixed (pocketed the insurance money instead.) Planning to drive it til it dies, and not worrying about what it looks like while I do.

Got word that husband's 401K match is returning! He's been rallying for this for years after it was taken away in 2009 (along with a 10% salary decrease across the board thanks to the economic crisis.) Although the company has been in good shape again for a long time now and his salary is well above where he was even before the pay cut, they still hadn't brought the match back and I can't wait for it to kick in.

Although we took on extra house debt (trying to remind myself that this is our only debt!) to finish building the house we're in the middle of, I'm happy that it appraised incredibly high and that our total house debt is only 50% of appraisal. I'm hoping that we'll actually use less of the credit line than we have available, and that our interest rate will be decreased when the house is done. We'll see if I'm posting those celebrations here in 6 months...
Title: Re: Celebrations Thread
Post by: Cougar on July 01, 2015, 02:18:26 PM
I'm not thrilled with where we're at in this moment, so I think I need to celebrate the things we do have to celebrate:

Paid off my Prius! It wasn't a big loan or a high interest rate, so I just slowly made monthly payments and as of last month it is mine all mine :) I celebrated with new tires which it desperately needed, and decided not to get the small scuff on the back bumper from being rear ended fixed (pocketed the insurance money instead.) Planning to drive it til it dies, and not worrying about what it looks like while I do.

Got word that husband's 401K match is returning! He's been rallying for this for years after it was taken away in 2009 (along with a 10% salary decrease across the board thanks to the economic crisis.) Although the company has been in good shape again for a long time now and his salary is well above where he was even before the pay cut, they still hadn't brought the match back and I can't wait for it to kick in.

Although we took on extra house debt (trying to remind myself that this is our only debt!) to finish building the house we're in the middle of, I'm happy that it appraised incredibly high and that our total house debt is only 50% of appraisal. I'm hoping that we'll actually use less of the credit line than we have available, and that our interest rate will be decreased when the house is done. We'll see if I'm posting those celebrations here in 6 months...


congrats.

now you have to compund those, like put that prius payment in your 401k or an etf.

if it is as it sounds like that youre not yet where you want to be, you cant let up. you'll know when you get to where you want to be, you'll feel more at ease when your stash is big enough that you feel you can handle anything coming at you.
Title: Re: Celebrations Thread
Post by: Erica/NWEdible on July 08, 2015, 01:37:44 PM
So....I'm holding a freshly minted copy of my book in my hands. After a year+ of blood, sweat, tears and liver-compromising levels of alcohol consumption, it's actually here. And, I think it might actually be really good. I don't even fucking know how I feel right now. This is the strangest celebration feeling I've ever felt. Yay?
Title: Re: Celebrations Thread
Post by: Tortoise Banker on July 08, 2015, 02:21:17 PM
Just got a tenant for our primary residence turned rental.  We have an opportunity to reduce our housing costs significantly by moving and renting out.  Monthly savings added to net worth up from $1125 to $~3,000/month.  Working hard to pay down mortgage balance currently at $176,000.  Net worth is just shy of $500,000, hoping to get there by the end of the summer!
Title: Re: Celebrations Thread
Post by: Rural on July 08, 2015, 06:57:31 PM
So....I'm holding a freshly minted copy of my book in my hands. After a year+ of blood, sweat, tears and liver-compromising levels of alcohol consumption, it's actually here. And, I think it might actually be really good. I don't even fucking know how I feel right now. This is the strangest celebration feeling I've ever felt. Yay?


Yes, yay. Congratulations! Now where can I buy one?
Title: Re: Celebrations Thread
Post by: yourusernamehere on July 08, 2015, 07:36:57 PM

So....I'm holding a freshly minted copy of my book in my hands. After a year+ of blood, sweat, tears and liver-compromising levels of alcohol consumption, it's actually here. And, I think it might actually be really good. I don't even fucking know how I feel right now. This is the strangest celebration feeling I've ever felt. Yay?


Yes, yay. Congratulations! Now where can I buy one?

Seconded!
Title: Re: Celebrations Thread
Post by: Cougar on July 08, 2015, 07:52:39 PM

So....I'm holding a freshly minted copy of my book in my hands. After a year+ of blood, sweat, tears and liver-compromising levels of alcohol consumption, it's actually here. And, I think it might actually be really good. I don't even fucking know how I feel right now. This is the strangest celebration feeling I've ever felt. Yay?


Yes, yay. Congratulations! Now where can I buy one?

Seconded!
congrats !

i have been told by women it was tougher to write a book than have a baby, so all sorts of respect for your book; be very proud.
Title: Re: Celebrations Thread
Post by: arebelspy on July 08, 2015, 09:34:39 PM
So....I'm holding a freshly minted copy of my book in my hands. After a year+ of blood, sweat, tears and liver-compromising levels of alcohol consumption, it's actually here. And, I think it might actually be really good. I don't even fucking know how I feel right now. This is the strangest celebration feeling I've ever felt. Yay?

Wow, way to go!!
Title: Re: Celebrations Thread
Post by: Erica/NWEdible on July 09, 2015, 07:23:00 AM
Yes, yay. Congratulations! Now where can I buy one?
Hah! Thanks. You can pre-order on amazon now (http://amzn.to/1KXeWqx), or it will be available "wherever books are sold" on September 29. Apparently it's currently the #1 new release in Seasonal Cooking on Amazon. Holy crap.

congrats !

i have been told by women it was tougher to write a book than have a baby, so all sorts of respect for your book; be very proud.
I'd agree with that. I've had two babies, both without pain meds, and writing this book was harder. I also gained more weight writing this book than I did pregnant with my son. :D

Wow, way to go!!
Thank you ARS. How's your wife's book going? Is she on to the second one?
Title: Re: Celebrations Thread
Post by: arebelspy on July 09, 2015, 10:01:43 AM

Wow, way to go!!
Thank you ARS. How's your wife's book going? Is she on to the second one?

Yup!  She's got several close to release. :)
Title: Re: Celebrations Thread
Post by: arebelspy on July 09, 2015, 10:02:17 AM

Wow, way to go!!
Thank you ARS. How's your wife's book going? Is she on to the second one?

Yup!  She's got several close to release. :)
Title: Re: Celebrations Thread
Post by: Erica/NWEdible on July 09, 2015, 12:30:16 PM

Wow, way to go!!
Thank you ARS. How's your wife's book going? Is she on to the second one?

Yup!  She's got several close to release. :)

So cool! Please offer my congratulations. That's a huge accomplishment.
Title: Re: Celebrations Thread
Post by: Daisy on July 09, 2015, 08:46:00 PM
congrats !

i have been told by women it was tougher to write a book than have a baby, so all sorts of respect for your book; be very proud.
I'd agree with that. I've had two babies, both without pain meds, and writing this book was harder. I also gained more weight writing this book than I did pregnant with my son. :D

At least you get to have a drink while giving birth to your book though. ;-)

I've neither had a baby nor written a book. I would have thought having a baby was worse...but what do I know?

Congratulations on the book. I see you were a trained chef. How I wish I lived close by and could attend one of those meetups...
Title: Re: Celebrations Thread
Post by: Rural on July 10, 2015, 08:09:20 AM
Yes, yay. Congratulations! Now where can I buy one?
Hah! Thanks. You can pre-order on amazon now (http://amzn.to/1KXeWqx (http://amzn.to/1KXeWqx)), or it will be available "wherever books are sold" on September 29. Apparently it's currently the #1 new release in Seasonal Cooking on Amazon. Holy crap.



Preorder placed. Added a bearing I need to repair my dryer to get free shipping and used gift cards from doing focus groups, so you'll get paid (a very small amount) for my focus groups. Ah, brave new world.
Title: Re: Celebrations Thread
Post by: Credaholic on July 10, 2015, 11:34:51 AM
So....I'm holding a freshly minted copy of my book in my hands. After a year+ of blood, sweat, tears and liver-compromising levels of alcohol consumption, it's actually here. And, I think it might actually be really good. I don't even fucking know how I feel right now. This is the strangest celebration feeling I've ever felt. Yay?

Yay indeed! And sometimes sassy ;-)
Title: Re: Celebrations Thread
Post by: HoosierGirl on July 10, 2015, 11:43:16 AM
Just found MMM not quite 2 weeks ago and I put some of the principles in practice this week. I've brought my breakfast & lunch to work all week, so I've saved $15.00 on breakfast and $50 on lunch. I gave up my $1 unsweetened tea from McDs so that saved another $5.20. So just taking 5 minutes each morning produced $70.20 in savings!

I've also changed to a reduced parking pass which costs .48 cents a week as opposed to 8.65. (Savings of  8.17)

Finally, I've brought my bike to work to commute the daily 3.0 mile (1.5 each way) from the outer lot on campus to my building. So, I've bike 15 miles on my commute and another 7 miles just for fun. I hope to build stamina and in a few weeks so I can extend the commute to 5.0 miles per day and hopefully lose some weight in the process.


Total savings this week from very easy peasy changes is $78.37 and if I can keep it up It will net me $313.48 this month or projected out to $3,761 a year.

I haven't cut the cable yet but plan to this weekend which will give me another $100/month savings and will boost my yearly savings to $4,961! It so amazing to think that 2 small, very low effort changes can save me almost $5 grand a year. I'm on my way...
Title: Re: Celebrations Thread
Post by: Erica/NWEdible on July 10, 2015, 02:53:50 PM
Preorder placed. Added a bearing I need to repair my dryer to get free shipping and used gift cards from doing focus groups, so you'll get paid (a very small amount) for my focus groups. Ah, brave new world.
Hey, thank you! According to my publishers, pre-orders are even BETTER than normal orders, because Amazon takes # of preorders and orders 3x that many for on-hand stock, and sitting on that stocks then gives them an incentive to promote the book. This has been such a crazy education. Please know I super appreciate your order!

Yay indeed! And sometimes sassy ;-)

That's exactly how my publisher is selling the book - "occasionally sassy advice." I think it's the polite way of saying, "mouthy broad." ;)

Edit: words.
Title: Re: Celebrations Thread
Post by: Freckles on July 10, 2015, 05:39:04 PM
Congratulations, Erica!  I'm sure it's a wonderful book and I'm going to pre-order it, too.  I'm glad to learn it triple-helps you.
Title: Re: Celebrations Thread
Post by: Mrs.LC on July 11, 2015, 10:38:33 PM
Congratulations on the book Erica! Hope it does well for you.
Title: Re: Celebrations Thread
Post by: aetherie on July 13, 2015, 09:11:51 AM
I also placed a pre-order :)
Title: Re: Celebrations Thread
Post by: Erica/NWEdible on July 13, 2015, 08:31:33 PM
Congratulations on the book Erica! Hope it does well for you.

Thank you Mrs. LC!

Congratulations, Erica!  I'm sure it's a wonderful book and I'm going to pre-order it, too.  I'm glad to learn it triple-helps you.

I also placed a pre-order :)

Thank you so much Freckles and Aetherie! I'm blown away/humbled/grateful for the # of pre-orders from the MMM community. I don't want anyone screwing up their financial goals to impulse buy my book, but I'm so thankful for the support. <3
Title: Re: Celebrations Thread
Post by: Rural on July 14, 2015, 04:18:53 AM
Congratulations on the book Erica! Hope it does well for you.

Thank you Mrs. LC!

Congratulations, Erica!  I'm sure it's a wonderful book and I'm going to pre-order it, too.  I'm glad to learn it triple-helps you.

I also placed a pre-order :)

Thank you so much Freckles and Aetherie! I'm blown away/humbled/grateful for the # of pre-orders from the MMM community. I don't want anyone screwing up their financial goals to impulse buy my book, but I'm so thankful for the support. <3


No guilt on that front; it'll save me more than I spend because I'll pick up one or two good ideas and implement them for years. Plus at some point a new recipe will be more interesting than going out.
Title: Re: Celebrations Thread
Post by: aetherie on July 14, 2015, 05:23:05 AM
Thank you so much Freckles and Aetherie! I'm blown away/humbled/grateful for the # of pre-orders from the MMM community. I don't want anyone screwing up their financial goals to impulse buy my book, but I'm so thankful for the support. <3

I used a gift card, so my financial goals will not be screwed up! (Not that $19 would do that anyway.) I expect this will be the best impulse buy I make all year.
Title: Re: Celebrations Thread
Post by: Basenji on July 14, 2015, 06:11:49 AM
Ooh, temptation. Erica, that book looks awesome. Well done!
Title: Re: Celebrations Thread
Post by: PARedbeard on July 14, 2015, 09:44:45 AM
Congrats Erica!
Title: Re: Celebrations Thread
Post by: Cookie78 on July 15, 2015, 10:07:21 AM
Why have I never discovered this thread before?!

Congrats Erica!
Congrats everyone else!

Today I calculated my net worth at 500,000! I get such a rush from every purchase I make towards buying my freedom, much more than any rush I get buying things/stuff/crap I don't need, like I used to get.
Title: Re: Celebrations Thread
Post by: jordanread on July 15, 2015, 12:46:12 PM
Just found MMM not quite 2 weeks ago and I put some of the principles in practice this week. I've brought my breakfast & lunch to work all week, so I've saved $15.00 on breakfast and $50 on lunch. I gave up my $1 unsweetened tea from McDs so that saved another $5.20. So just taking 5 minutes each morning produced $70.20 in savings!

I've also changed to a reduced parking pass which costs .48 cents a week as opposed to 8.65. (Savings of  8.17)

Finally, I've brought my bike to work to commute the daily 3.0 mile (1.5 each way) from the outer lot on campus to my building. So, I've bike 15 miles on my commute and another 7 miles just for fun. I hope to build stamina and in a few weeks so I can extend the commute to 5.0 miles per day and hopefully lose some weight in the process.


Total savings this week from very easy peasy changes is $78.37 and if I can keep it up It will net me $313.48 this month or projected out to $3,761 a year.

I haven't cut the cable yet but plan to this weekend which will give me another $100/month savings and will boost my yearly savings to $4,961! It so amazing to think that 2 small, very low effort changes can save me almost $5 grand a year. I'm on my way...

If you need some advice and motivation, check out the cycling challenges we do every month in my signature. Happy Cycling!!!
Title: Re: Celebrations Thread
Post by: Zaga on July 15, 2015, 02:54:20 PM
Why have I never discovered this thread before?!

Congrats Erica!
Congrats everyone else!

Today I calculated my net worth at 500,000! I get such a rush from every purchase I make towards buying my freedom, much more than any rush I get buying things/stuff/crap I don't need, like I used to get.
Mine just hit $200K today!  $0 was 3.5 years ago for us.  I'm so looking forward to the $500K milestone!
Title: Re: Celebrations Thread
Post by: Cougar on July 16, 2015, 11:20:56 AM
Mine just hit $200K today!  $0 was 3.5 years ago for us.  I'm so looking forward to the $500K milestone!

now thats impressive !

you gotta let us know how you did that, i'd like to do that.
Title: Re: Celebrations Thread
Post by: Zaga on July 16, 2015, 12:35:28 PM
Mine just hit $200K today!  $0 was 3.5 years ago for us.  I'm so looking forward to the $500K milestone!

now thats impressive !

you gotta let us know how you did that, i'd like to do that.
Slow and stead, one month at a time.  I started out reading Dave Ramsey just after I got married in 2007.  DH was totally not interested so I just made suggestions and we gradually implemented them.  When we got married we were hugely in debt with less than $20K in retirement funds between us.

DH saw how wonderful it would be to have savings, so we started putting a bit in savings.  This eventually became our 3 month emergency fund.

We had several small annoying debts - 2 cars, 2 credit cards.  Paid these off in a year, $18K total.

He had a debt that was $100K and in collections.  (Today this is our final debt remaining.)  This took over a year to get it back in good standing, I never want to have to avoid the phone because of collection calls again!

Once we were there we started investing at least 15% of our gross income ala Dave Ramsey.  At that point I was just not super comfortable with Dave's investing advice so I started reading investment books from the library until I stumbled on a Boglehead book.  That was a good day!

Since then we've just invested monthly and paid down debt monthly.  Boring stuff.  Auto withdrawals to your 401-K are your friend!  So are automatic payments to your loans!  Each year since 2009 we've added at least $21K to our retirement accounts and paid down debt by an average of $6,700.  During this time we've also used and replenished out emergency fund several times, purchased 2 inexpensive cars with cash, and cashflowed many home improvement projects. 

So yeah, it's not exciting, it's just doing the right things day after day, month after month, and year after year.
Title: Re: Celebrations Thread
Post by: ender on July 18, 2015, 08:14:42 AM
Finally our first digit of net worth increased by 1 :)

It was rather depressing seeing 75% of my paycheck go into a 401k a few times recently only to have the market drop about the same (silly Greece!) but I think we might have solidly gone over that hump.

All new savings this year are cash savings and "repayment" to ourselves (we "borrowed" money from the rest of 2015 to pre fund IRAs/401k/tithe etc) so our cash savings will increase rather rapidly for the rest of the year.

Title: Re: Celebrations Thread
Post by: Lindy Hop on July 23, 2015, 11:32:40 AM
Long time lurker, but finally had to join. I just finished reading an advanced copy (I'm a librarian) of Erica's book and congratulations! Your personality shines through and it is both inspirational and challenging. Just wanted all your MMM buddies to know how much I enjoyed it. I hope it gets found and reviewed by all the library journals so that lots of copies are bought!
Title: Re: Celebrations Thread
Post by: kendallf on July 23, 2015, 09:58:49 PM
Came here to mention a couple of things I'm happy about tonight, and saw the book mention from Erica above -- it's in my Amazon cart.  :-)

I gave myself a huge pay cut today, as I bumped up my TSP contributions to try and max it out again this year.  I have been putting a lot of money into my house renovation and we had some heavy medical expenses this year, so I dropped the contributions down to the match for a while, but now they're back up.. $1k a paycheck for the rest of the year.  :-o

Also, I just used credit card points to pay for most of a round trip flight to Michigan later in the fall, where I'm going to ride the DALMAC ride from Lansing to Sault Ste Marie and spend a couple of days with my daughter, who is at MSU.  Cycling, cheap flights, travel and new sights, and daughter time.  Great stuff!
Title: Re: Celebrations Thread
Post by: Tortoise Banker on July 24, 2015, 04:13:57 PM
Yup. Maybe I should change my handle to Tortoise. But you know slow and steady wins the race…..the changes I've made are well entrenched and sustainable

Join the club!
Title: Re: Celebrations Thread
Post by: happy on July 24, 2015, 08:31:47 PM
:)
Title: Re: Celebrations Thread
Post by: 10dollarsatatime on July 27, 2015, 08:24:18 PM
Just submitted my very last student loan payment.  It should finalize on my birthday.  So... Happy birthday to me!  No more student loan payments!
Title: Re: Celebrations Thread
Post by: Zaga on July 28, 2015, 06:04:17 AM
Just submitted my very last student loan payment.  It should finalize on my birthday.  So... Happy birthday to me!  No more student loan payments!
Congrats!  I can't wait to join you!
Title: Re: Celebrations Thread
Post by: iamlittlehedgehog on July 30, 2015, 06:34:58 AM
Just submitted my very last student loan payment.  It should finalize on my birthday.  So... Happy birthday to me!  No more student loan payments!

That is so great! It's gotta feel like a breath of fresh air!
Title: Re: Celebrations Thread
Post by: DaKini on July 30, 2015, 02:26:36 PM
Great! This month we had a new record with 47.4% savings rate (of take home pay). Ok, there was some small vacation-money from my employer however even accounting for that the rate is still very good.
Usually we get around 34% in average over the last 2 years - and this in germany with two kids and only a single income :)
Title: Re: Celebrations Thread
Post by: iamlittlehedgehog on August 04, 2015, 08:51:34 AM
We payed off our first credit card in 8 weeks! We slammed about $150 on it a week and just closed it. Plan on having a card cutting ceremony tonight :)
We can't brag about this to anyone other than my Mustachian family but it feels good and finally feels like we have some momentum to paying off our debt!

Congrats! That's awesome.

Did you actually close the account yet? It's usually best practice to leave the account open with zero balance, since average age of accounts is a large component of your credit score.

Thank you! Hopefully we can knock it the next one this quickly too :)

We went ahead and closed it. It is actually my DH's CC and his credit score is high enough it can take a hit and we have no credit dependent purchases anytime soon, and this was a pretty low limit card (maybe 2k?) so the impact on our total utilization ratio is pretty minor. We intend to keep my card open then later down the line open one with better benefits. This card had almost zero rewards and we only opened it because our 12 year old moodle slipped a disc and had emergency vet bills (we are working on an emergency fund too)

WE HAVE PAID OFF THE LAST CREDIT CARD *happy dance*
2 months ahead of schedule. We'll be leaving this one open because it has decent perks. In total we paid off somewhere around 3k of credit card debt in 3.5 months (which is huge for us, we don't have a very high take home pay)
Next goal: paying off the Honda Fit by the end of February, we have about 4k left on it.
Title: Re: Celebrations Thread
Post by: stacheasaurus on August 04, 2015, 01:43:45 PM
Just reached $0 NW (thanks student loans... blech)!!  I'm out of the hole, everything's looking up from here
Title: Re: Celebrations Thread
Post by: iamlittlehedgehog on August 04, 2015, 02:08:08 PM
Just reached $0 NW (thanks student loans... blech)!!  I'm out of the hole, everything's looking up from here

Woot! It's all uphill from here!
Title: Re: Celebrations Thread
Post by: couponvan on August 06, 2015, 07:03:58 PM
Just reached $0 NW (thanks student loans... blech)!!  I'm out of the hole, everything's looking up from here

CONGRATULATIONS!!! I love hearing about people reaching $0. Next stop $1K, $10K, and beyond!!
Title: Re: Celebrations Thread
Post by: bittheory on August 07, 2015, 02:41:38 PM
I am on schedule to max out my Roth IRA contribution this year, and am contributing 5% + 3% match to my employer's SIMPLE plan. My wife and I  have been adding approx $200 additional principal every month to our rental property and are on schedule to have that mortgage paid off in 15 years.

I also freelance occasionally on the side, and with every check I receive, I challenged myself to contribute half of it into Vanguard and my daughter's 529 plan, then save half for year end taxes. I've been good about doing it so far, and have saved almost $2K for my daughter's education this year alone and it's only August.
Title: Re: Celebrations Thread
Post by: Check2400 on August 07, 2015, 04:49:46 PM
After getting married in June and moving in with the misses, I have my house rented out, and received my first rental payment this week.  As if having an extra ~20,000 a year isn't enough, while listing the home I found out that it had appreciated somewhere in the neighborhood of 25% in total value over the course of 2 years.  If it keeps up at that pace, I'm making as much on appreciation as I am on rent!

Woo multiple income streams!
Title: Re: Celebrations Thread
Post by: chemgeek on August 11, 2015, 07:26:02 AM
I can't really share this with real live people so I wanted to post here :)

This time last year ( Aug 12 actually) I posted my case study. Since then, we've paid off all my student loans (over $17,000), saved another $25,000 for a house downpayment, added $14,000 to my husband's 401k, 2500 into my IRA. That means we "saved" about $61,000 over the last year. We started at 72k net worth and we just passed the 150k mark. Keeping our eyes on the prize month to month has sometimes been difficult, but seeing what we did over a whole year is really awesome and motivating. Onto year 2!
Title: Re: Celebrations Thread
Post by: SavingMon(k)ey on August 11, 2015, 07:41:30 AM
And off she goes! My wife, that is, riding to work for the first time this morning! My riding and suggesting finally rubbed off on her, and she bought a city bike this weekend. It's only 2.5 miles for her, and she will be able to do it on most days (at least while the weather is nice; I'm not sure how cold hardy she'll be). It only took 4 years...
Title: Re: Celebrations Thread
Post by: Basenji on August 11, 2015, 07:53:52 AM
I can't really share this with real live people so I wanted to post here :)

This time last year ( Aug 12 actually) I posted my case study. Since then, we've paid off all my student loans (over $17,000), saved another $25,000 for a house downpayment, added $14,000 to my husband's 401k, 2500 into my IRA. That means we "saved" about $61,000 over the last year. We started at 72k net worth and we just passed the 150k mark. Keeping our eyes on the prize month to month has sometimes been difficult, but seeing what we did over a whole year is really awesome and motivating. Onto year 2!
Well done!
Title: Re: Celebrations Thread
Post by: onehair on August 12, 2015, 12:03:38 PM
I just got word from the Credit Union that my loans are on track to be paid off by late fall!! That will free up $50-100 to return to my paycheck and be apportioned out to savings... Also the $1231 tax bill I was worrying I had to pay in full the IRS agreed to let me pay it in installments yay!!

Title: Re: Celebrations Thread
Post by: frugalJD on August 14, 2015, 11:32:59 AM
Following the past 8 months of craziness at work, I recently received a nice annual increase (8%), plus a $6k spot bonus.  Very grateful for that, it's been a tough year so far.  Now, I just received a verbal offer for a new job, which brings a 5% pay increase and is closer to home. 

Now the tough decision time comes.  I'm going to talk to my boss and boss' boss today to see if they would be willing to match the offer to keep me here.  Wish me luck!

-JD
Title: Re: Celebrations Thread
Post by: flan on August 18, 2015, 10:21:53 PM
This is the smallest mini-accomplishment, but I've just invested in a $18 Tweezerman tweezer to replace my previous dependency on $18/month eyebrow threading.

Eliminating one recurring expense at a time...
Title: Re: Celebrations Thread
Post by: FiveSigmas on August 19, 2015, 12:16:39 AM
I just rented out my parking space! Fewer wasted resources + income for me = double-yay.

This is only a mini-celebration, as I'd actually rented it out in years past, but when my last tenant left I found demand to be waning*, and due to laziness I just let the spot sit dormant.

* A double-whammy: an influx of young, carless folks in the building meant a smaller potential clientele and more competition on the supply side. Darn my mustachian brethren!
Title: Re: Celebrations Thread
Post by: Tortoise Banker on August 19, 2015, 05:04:14 PM
Got an unexpected mid-year 20% raise!  Increased my auto-investments by 20%!
Title: Re: Celebrations Thread
Post by: grantmeaname on August 20, 2015, 03:10:03 PM
My visa finally went through and I finally left for London. I put a deposit down for a beautiful, cheap flat today, and I start my ridiculously awesome job and badass bike commute Monday! Everything's coming up Millhouse!
Title: Re: Celebrations Thread
Post by: plainjane on August 21, 2015, 06:05:29 AM
Commuted into work on my bike for the first time this morning.  I look forward to the day that my legs barely register the "hill".
Title: Re: Celebrations Thread
Post by: cautiouspessimist on August 24, 2015, 11:24:32 AM
My visa finally went through and I finally left for London. I put a deposit down for a beautiful, cheap flat today, and I start my ridiculously awesome job and badass bike commute Monday! Everything's coming up Millhouse!

Well, that all sounds fantastic. Don't forget to update us!
Title: Re: Celebrations Thread
Post by: BDWW on August 27, 2015, 05:24:10 PM
Hit 15mph average on my 20 mile round trip commute yesterday. Upped my 401k contribution prior to the birth(due Oct 24th) of our first, figuring it's easier to budget if I never see the money to begin with. 
Trying to up my bike commute to 3 days a week, at 2 currently, but it's a bit hard to be motivated on Monday mornings :).
Title: Re: Celebrations Thread
Post by: Katagal on August 28, 2015, 02:56:53 PM
I'm celebrating and it's solely due to this terrific website!  I took on board assorted tips and hints gleaned from hours reading through the forum, the best one being minimising your work commute.  An opportunity arose to transfer at same level to a branch closer to home, essentially a 3 kilometre walk up the road from a 9.2 kilometre or 10 minute drive to work.  Now I was due to start at the new branch on September 5 then I get a tap on the shoulder by head honcho to back fill a position for 3 months while someone is recovering from breast cancer treatment, this position is a couple of jumps up the ladder and is a bus ride into the CBD.  Before MMM I would have been thinking of a gadjillion ways to spend the increase in pay on all kinds of consumerist rubbish, now I am salivating over the significant (approx. $200 extra pw) increase into my savings for the next 3 months.

Thanks again MMM and your wonderful contributors!
Title: Re: Celebrations Thread
Post by: Kingsmen on August 29, 2015, 11:29:31 PM
I want to share two milestones on my path to FI.  In one day I:
1)  Paid off a $6000 student loan charging 6.8%
2)  Paid off my Honda Civic ($8900 at 3.9% interest)

I must say, it feels good to not have to worry about these monthly expenses and all the interest I would have paid had I made minimum payments for the life of the loans.

Congratulations to all the Mustachians making milestones every day!!!
Title: Re: Celebrations Thread
Post by: Bill76 on August 31, 2015, 07:02:28 AM
Got a signed contract on selling our rental house after only a week on the market! We never intended to be landlords, but when we moved in 2011 and couldn't sell the old house, we just sort of fell into it. The cash flow worked while the house was occupied (because of a large down payment when I bought the place), but I never would've bought a $170k house to rent for $1300-1400/month.

Once we close (October), I'll pay off the last of our non-mortgage debts and watch the 'stache grow even faster!  We could've paid those debts off sooner, but I didn't want to liquidate our Vanguard funds to do it. :)
Title: Re: Celebrations Thread
Post by: fitfrugalfab on August 31, 2015, 07:37:04 AM
My DH and I are purchasing our first home and we were able to stay in the city since we're getting a studio condo. Very excited to move and we're closing in less that 3 weeks!
Title: Re: Celebrations Thread
Post by: TooManyGuitars on August 31, 2015, 05:15:49 PM
My company has been over withholding for taxes by way too much for the last couple of years, resulting in massive refunds.  I fixed that, and rerouted the additional $$ into my superannuation account, and now it is maxed out.  :-)
Title: Re: Celebrations Thread
Post by: Dollar Slice on August 31, 2015, 05:45:38 PM
I called Time Warner because my internet bill had gone up to $78/mo (for the mid-level 30/5 package!?!) from $66 since my "promotional credit" expired. I called in to see what I could do, and it turned out that they'd upgraded their tiers so I was now in the 200 Mbps range. Downgraded to 50/5 (faster than I had before) and now my bill is supposed to be $58.

I fully expect some sort of billing shenanigans involving losing a credit I didn't know I had, but it will definitely be at least a little cheaper. :-)
Title: Re: Celebrations Thread
Post by: Matilda on September 05, 2015, 12:49:01 PM
This is a tiny celebration, but I have taken the first step in paying down our massive CC debt.  Yesterday was my second paycheck, and I made an extra payment towards the worst card.  We have so much to do, but it feels good to have started, at least. 
Title: Re: Celebrations Thread
Post by: MsChewieBear on September 08, 2015, 08:19:15 PM
I'm new here, so these accomplishments are very small, but I suppose it's better to have gains than losses!

1. Paid off a $710 loan balance. It had a $286/month payment, so that opens up a lot of room in our budget.

2. Paid off a $150 credit card balance.

3. Added $410 to our emergency fund.

Title: Re: Celebrations Thread
Post by: happy on September 09, 2015, 06:06:09 AM
No mustachian achievement is too small for this thread! Well done :)
Title: Re: Celebrations Thread
Post by: MsChewieBear on September 09, 2015, 10:53:08 AM
Thank you! Just paid off another debt for $163.49. "Only" 16 more debts left in my snowball (9 of them have balances of less than $800, so although things aren't great, they aren't quite as dire as they sound when I say I have 16 debts left to pay).

I also opened a Roth IRA account for myself and one for my husband. He's leaving his current job at the end of September, so he'll be able to roll his 401(k) right over. I'm self-employed, so I thought a Roth IRA was the best type of account out of all my options.
Title: Re: Celebrations Thread
Post by: Prospector on September 09, 2015, 12:21:25 PM
Go ChewieBear! Doesn't it feel good clearing out those little guys!

We managed to get rid of a line of credit and a Visa Card earlier this year, and now are down to fighting dragons - no more gremlins to chase. Just make sure to roll those payment onto your bigger debts to knochk them down. Once the payment amount gets absorbed into the family budget you never get it back!

Are you already on YNAB? It will make a big difference.
Title: Re: Celebrations Thread
Post by: JLee on September 11, 2015, 12:43:41 PM
I quit my job last week and signed a new offer for a 59% raise plus profit sharing, so likely closer to 70% in reality.  Twice the vacation time, 1/3ish health care costs, plus other perks. I'm thrilled. :D
Title: Re: Celebrations Thread
Post by: aetherie on September 11, 2015, 12:51:16 PM
Woohoo go JLee!
Title: Re: Celebrations Thread
Post by: Neustache on September 11, 2015, 02:15:56 PM
Mighty impressive, JLee!
Title: Re: Celebrations Thread
Post by: Feminine Mustique on September 13, 2015, 06:34:57 AM
Traded in my enormous 2012 Highlander for a 2014 Prius v with only 14,000 miles... And getting a check back from the dealership. Thank you MMM for waking me up!
Title: Re: Celebrations Thread
Post by: xdragoox on September 13, 2015, 07:07:39 AM
Congrats to all of you!!
This site never ceases to amaze me with it's positive encouragement and inspiration.

My little accomplishment is that I just paid off an CC with a $4,260 balance on Sept 1st.
The ultra-low promotional 1.9% APR was scheduled to automatically rise up to 23.90% after 09/01.

I also paid off another Credit Card that had a balance of $3,275 a few month ago back in May.

That's two down, one more to go.
Thank you my fellow Mustachians!
Title: Re: Celebrations Thread
Post by: happy on September 13, 2015, 03:25:48 PM
Nice work JLee, FM and BW
Title: Re: Celebrations Thread
Post by: FiveSigmas on September 14, 2015, 12:44:33 AM
I quit my job last week and signed a new offer for a 59% raise plus profit sharing, so likely closer to 70% in reality.  Twice the vacation time, 1/3ish health care costs, plus other perks. I'm thrilled. :D

Way to go JLee! Had you been feeling out for the new position long, or did the opportunity just spring up?
Title: Re: Celebrations Thread
Post by: Pinch of salt on September 14, 2015, 09:34:53 AM
I just, well a few weeks ago, bought a flat (what we call them here in the UK)! It's a new build and very energy efficient as most new builds are these days due to government requirements. No more smelly other people's food, bastard flatmates or covering myself up to look decent around my home (and actually feeling welcome in my home!) Wooooot!
Title: Re: Celebrations Thread
Post by: JLee on September 14, 2015, 09:46:16 AM
I quit my job last week and signed a new offer for a 59% raise plus profit sharing, so likely closer to 70% in reality.  Twice the vacation time, 1/3ish health care costs, plus other perks. I'm thrilled. :D

Way to go JLee! Had you been feeling out for the new position long, or did the opportunity just spring up?

I got set up by a good friend who's been trying to get me an offer for the last 7 months and it finally pulled through. :D
Title: Re: Celebrations Thread
Post by: FiveSigmas on September 14, 2015, 11:25:35 PM
I quit my job last week and signed a new offer for a 59% raise plus profit sharing, so likely closer to 70% in reality.  Twice the vacation time, 1/3ish health care costs, plus other perks. I'm thrilled. :D

Way to go JLee! Had you been feeling out for the new position long, or did the opportunity just spring up?

I got set up by a good friend who's been trying to get me an offer for the last 7 months and it finally pulled through. :D

Nice. Friends kick ass :-)
Title: Re: Celebrations Thread
Post by: Squirrel away on September 15, 2015, 03:23:09 AM
I just, well a few weeks ago, bought a flat (what we call them here in the UK)! It's a new build and very energy efficient as most new builds are these days due to government requirements. No more smelly other people's food, bastard flatmates or covering myself up to look decent around my home (and actually feeling welcome in my home!) Wooooot!

Congrats.:)
Title: Re: Celebrations Thread
Post by: Lindy Hop on September 15, 2015, 08:17:00 AM
We are paying off the mortgage on the rental house today. Which is step 2 of our 5 step plan to reach FI. So while it sounds really exciting, it actually is just a small celebration. I've crunched the numbers a thousand times and this is the right thing to do. Why does my stomach hurt so much?
Title: Re: Celebrations Thread
Post by: FoundPeace on September 15, 2015, 10:41:28 AM
I've been biking home from work for a few months now, and I finally conquered my toughest hill. When I first started it took me 18 minutes, and yesterday I shattered all of my records and made it in 9.5 min!
Title: Re: Celebrations Thread
Post by: JLee on September 15, 2015, 11:02:21 AM
I've been biking home from work for a few months now, and I finally conquered my toughest hill. When I first started it took me 18 minutes, and yesterday I shattered all of my records and made it in 9.5 min!

That's fantastic! Congrats!
Title: Re: Celebrations Thread
Post by: Pinch of salt on September 15, 2015, 12:21:04 PM
Thanks @Londoner38! You must feel the pain or know what I mean
Title: Re: Celebrations Thread
Post by: Urchina on September 16, 2015, 12:30:31 AM
Today's celebration for me is more an accumulation of little willpower victories than any milestones achieved. But I had a kick-ass Mustachian day today!
1. I biked to work (as I do twice a week) and home again. I packed a lunch and cleaned out a bunch of the little bits and bobs left in the fridge. Refrigerator Velcro Salad to the rescue again! (It was delicious).
2. While getting ready to take a munchkin to soccer practice, I realized we were almost out of bread. This makes making lunches at our house difficult. So... I pulled out the food processor and in less than 10 minutes had two batches of bread dough mixed, kneaded and rising. I baked them tonight after dinner (dinner was a baked meal, so the oven only got heated up once) and avoided a trip to the grocery store, which I guarantee would have had me buying more than just a loaf of bread! Plus, this bread is waaay yummier.
3. Today was payday and one of us got a bonus (hint: it's not the one that works in the public sector) ;), plus I got a reimbursement check for some travel expenses, so we got to stick a solid chunk in our taxable Vanguard account as well as one of our 529 accounts. Whoo-hoo!
4. While on my Vanguard account summary page, checked one of my deferred comp accounts and realized that my dividends for that account have doubled as I plow more money in. That's awesome! I don't expect this to continue (I'm pretty sure exponential dividend growth is only something you see when you are investing at the low end of the curve, and I just opened this particular account six months ago), but it's motivating for now!
5. I also signed up for the Vanguard automatic investing. We'd been putting spare money into the taxable account, but we consistently max out our deferred comp / IRAs, so I decided to start funneling money to the taxable account on a regular basis. We've got low-cost index funds in there, of course (Hello, VTMSX! can't wait to start dating the Admiral version of you soon!)
6. I redid my SRA for the 403b, to max it out.
7. Redid my SRA for my other deferred comp plan (a 457) for 2016 and will max that out as well.
8. Set a goal of saving 50% of our take-home pay for the rest of 2015 and for all of 2016. We're at 43% now. I'd like to get us up to 60% within the next five years.

Looking forward to contributing to this page more in the future!
Title: Re: Celebrations Thread
Post by: asauer on September 23, 2015, 08:06:50 AM
So....I'm holding a freshly minted copy of my book in my hands. After a year+ of blood, sweat, tears and liver-compromising levels of alcohol consumption, it's actually here. And, I think it might actually be really good. I don't even fucking know how I feel right now. This is the strangest celebration feeling I've ever felt. Yay?

Congrats!  I felt the same way when my book was published- well, it was more like "I never want to see this fucking thing again".  Especially after editors have been going through it with a hacksaw.  A few margaritas cured that feeling though : )
Title: Re: Celebrations Thread
Post by: zephyr911 on September 24, 2015, 10:06:51 AM
Waited like a year to get DW on board with the phone co. switch - her phone was in good shape and one or the other of us was facing a termination fee, etc.
We finally went from $140+ on AT&T family plan to two lines on Republic @ $55. Am expecting to get substantial refunds on data (1GB each) and may reduce the base plan once I see the results.

Also, parked biked to work today from the halfway point (my transitional strategy, as it's 10+, I need to build muscles, and the first half is sketchy - shoulderless highway or backroads and bushwacking). Tomorrow, a new bridge opens up that could give me a shorter and safer route (<9mi).
Title: Re: Celebrations Thread
Post by: TravelJunkyQC on September 25, 2015, 07:01:45 AM
It's my birthday on sunday, and my gift that I gave myself is depositing the last 6,000$ needed to max out my TFSA. Now that that's done, I can max out my RRSP before the end of the year. Yay!
Title: Re: Celebrations Thread
Post by: Cookie78 on September 28, 2015, 12:04:25 PM
It's my birthday on sunday, and my gift that I gave myself is depositing the last 6,000$ needed to max out my TFSA. Now that that's done, I can max out my RRSP before the end of the year. Yay!

Awesome!! Congrats!

I just did some math this morning and discovered I may be able to max both mine out by the end of this year too. It's a stretch, and it might be a little tight, but worth trying. :) Amazing to me since originally my goal was to max them both out by next year. Considering for 10 years I contributed a whopping 200/month towards investments I had a long way to go to catch up. :)
Title: Re: Celebrations Thread
Post by: Urchina on October 04, 2015, 11:43:41 PM
I spent a couple of hours today pulling data on our YTD long-term savings. Including our mortgage principal, retirement accounts, emergency fund savings and 529 accounts (which is a pretty critical part of my retirement plan, since I plan to go back to college for another advanced degree at some point in the future) -- our savings rate is over 50% of our take-home pay!

Sooo excited! I knew we were above 40%, but couldn't prove it and still don't really believe it. Our nuclear explosion of cash is even larger than we thought it was!

Now I need to reset our savings goals. I'd like to have it up to 60% next year, and shoot for 75% within three years.

Still, riding the 50% wave is pretty cool!
Title: Re: Celebrations Thread
Post by: Pooperman on October 05, 2015, 03:52:03 AM
Achievement get:
Networth > $50k

:D
Title: Re: Celebrations Thread
Post by: onehair on October 05, 2015, 09:25:41 AM
I paid off one of my loans returning $50 to my paycheck.  Also I increased my TSP allotment by $2 my stock allotment by $2 and saw my Acorns account is 0.26 cents away from $100.  And I was given a nice giftcard to use for $75....
Title: Re: Celebrations Thread
Post by: cautiouspessimist on October 06, 2015, 07:12:04 AM
I didn't really want to count it since it includes the equity in my house (which is fairly nebulous at best), but I hit 6 figures this week.
Title: Re: Celebrations Thread
Post by: PathtoFIRE on October 08, 2015, 09:46:55 AM
$1,000,290 !!!*

*includes home equity and 529s, does not account for transaction costs of liquidating home equity, 529s, or retirement accounts, I expect to celebrate the more-real-to-me milestone of retirement/bank account only $1MM in early 2017
Title: Re: Celebrations Thread
Post by: JLee on October 09, 2015, 07:17:18 AM
I got my first pay stub at my new job and realized that, given my catching-up phase on my 401k (started late this year and I am trying to max it) and now HSA access as well, my monthly pre-tax deductions are more than my entire earnings were when I bought my house less than 3 years ago.

$1,000,290 !!!*

*includes home equity and 529s, does not account for transaction costs of liquidating home equity, 529s, or retirement accounts, I expect to celebrate the more-real-to-me milestone of retirement/bank account only $1MM in early 2017

Awesome!! Congratulations! You've reached my ideal target number, too :D
Title: Re: Celebrations Thread
Post by: MelodysMustache on October 11, 2015, 01:11:38 PM
Wow!  I am, theoretically, FI!  I had gotten away from MMM for a little while and have been facepunch worthy spending, but still saving quite a bit.  I have not really been paying attention to my net worth.  I reviewed the numbers yesterday and really thought about it.  Between my home equity and investments I could sell in my high COL area, buy a simple rural home outright, and live a quiet life for the rest of my days.

If I wanted to make my hobbies my profession, I could.  If I wanted to write the great American novel (assuming I have the skill), I could.  If I wanted to simply spend my days reading, knitting, gardening, and hiking, I could. 

For now, I choose to continue working.  I enjoy my profession, I enjoy travel, and my family is here in this high COL area.  But for the first time in my life working is a choice.  My daughter is grown and gone, my son is still in college and living with me for now.  They each have their own money thanks to their late grandparents.  I am not in a hurry to upend my life and retire early quite yet, but I could.  What an amazing place to be in!
Title: Re: Celebrations Thread
Post by: StackingStache on October 12, 2015, 10:35:59 AM
-Paid off my car
-Paid off all credit card debit
-Cut the cable
-Slashed the cell phone bill down
-Slashed the car insurance down
-Bringing food to work

Now I'm watching my money stack up...
Thanks MMM!
Title: Re: Celebrations Thread
Post by: aetherie on October 12, 2015, 04:45:20 PM
I got an 8% raise!
Title: Re: Celebrations Thread
Post by: AmandaS1989 on October 13, 2015, 08:48:14 AM
Hello everyone. I'm a brand-new Mustachian-in-training who found the MMM blog last month. Boy I was a real consumer sukka before. I was already starting to wise-up a bit and now I am on track to get my finances in order. I've had a few reasons to celebrate this year including:

1. Finally got my career in accounting started with my job as a staff accountant that I started this past May. It might have taken 3 years after I graduated but I finally did it!

2. Paid off two credit cards so far! Will be three once the balance transfer from my 25% interest goes through to the 0% interest card! Then it will be three to go!

3. Paid off my car this past February-9 months early! That loan was 20% interest ugh

4. Finally started saving for retirement with my 401k. I contribute 4% since my employer matches 100% up to 4% of my income. I also started a Roth IRA with Betterment.

5. Started a savings account-currently have $1000 in it!

So a lot to celebrate but a lot to work on as well. I have around 63K in student loans and after I get my tax refund this Spring I will be paying off a student loan, saving me $106 a month to put towards other loans, and will also pay off the remaining balance on my Note 4 so I can cut the $92.12 a month cord to Verizon and sign up with PlatinumTel for just $30/month. I'm also looking to have those last three CCs paid off by May 2016.

Then I can re-fi my SLs that are 6% and above and save some money!
Title: Re: Celebrations Thread
Post by: G-dog on October 13, 2015, 09:33:43 AM
Hello everyone. I'm a brand-new Mustachian-in-training who found the MMM blog last month. Boy I was a real consumer sukka before. I was already starting to wise-up a bit and now I am on track to get my finances in order. I've had a few reasons to celebrate this year including:

1. Finally got my career in accounting started with my job as a staff accountant that I started this past May. It might have taken 3 years after I graduated but I finally did it!

2. Paid off two credit cards so far! Will be three once the balance transfer from my 25% interest goes through to the 0% interest card! Then it will be three to go!

3. Paid off my car this past February-9 months early! That loan was 20% interest ugh

4. Finally started saving for retirement with my 401k. I contribute 4% since my employer matches 100% up to 4% of my income. I also started a Roth IRA with Betterment.

5. Started a savings account-currently have $1000 in it!

So a lot to celebrate but a lot to work on as well. I have around 63K in student loans and after I get my tax refund this Spring I will be paying off a student loan, saving me $106 a month to put towards other loans, and will also pay off the remaining balance on my Note 4 so I can cut the $92.12 a month cord to Verizon and sign up with PlatinumTel for just $30/month. I'm also looking to have those last three CCs paid off by May 2016.

Then I can re-fi my SLs that are 6% and above and save some money!
Great work!  Keep it up, and when you feel like you are not progressing fast enough remember - the days are long but the years are short. There may be days when you feel like you are not yet where you want to be, but keep at it because over time you will get there. And in the end, it will happen faster than it seems at times.
Title: Re: Celebrations Thread
Post by: AmandaS1989 on October 13, 2015, 09:45:23 AM
Thanks g-dog. The years sure are shorter than I expected them to be. I can't believe I've been out of college for almost 3 1/2 years now!

Patience is one of my biggest problems. I want this debt gone now! But I know if I keep plugging at it, it will come down. I'm hoping next May I'll get a raise at my one-year review. Fingers crossed! But for now, I'm just gonna put as much as I can towards this debt.
Title: Re: Celebrations Thread
Post by: Jojje on October 20, 2015, 08:49:46 AM
First month with a savings rate over 50%. Heard of MMM in May this year and I'm amazed how much we have changed our spending habits since then!
Title: Re: Celebrations Thread
Post by: Szilveszter Hansen on October 20, 2015, 09:06:23 AM
First month with a savings rate over 50%. Heard of MMM in May this year and I'm amazed how much we have changed our spending habits since then!

This is quite the accomplishment considering the draconian tax rate of Sweden. I would consider MMM tactics almost impossible in a scandinavian society. But with the implication that you do not (or should not, rather) need any savings besides the occasional holiday, because you will be taken care of by the government. But alas, who knows how long that society will last at this point? Best save a nest egg for darker times to come.

In haste,
Szilveszter
Title: Re: Celebrations Thread
Post by: Jojje on October 20, 2015, 10:09:58 AM
First month with a savings rate over 50%. Heard of MMM in May this year and I'm amazed how much we have changed our spending habits since then!

This is quite the accomplishment considering the draconian tax rate of Sweden. I would consider MMM tactics almost impossible in a scandinavian society. But with the implication that you do not (or should not, rather) need any savings besides the occasional holiday, because you will be taken care of by the government. But alas, who knows how long that society will last at this point? Best save a nest egg for darker times to come.

In haste,
Szilveszter

Thanks, yes the tax rate at our income bracket is above 40% and if you take the total tax paid (me plus my employer) you end up at 55%. However daycare and health care is virtually free so there are benefits as well. Having small kids this is really good.
I do not trust the pension system to survive.

Title: Re: Celebrations Thread
Post by: RapidLionInvasion on October 20, 2015, 02:59:22 PM
What better place for your first post than a celebration thread :D!

I want to celebrate how MMM has inspired me and lightened up my views of the future, which are completely accurate because I am an unexperienced 17 year old (lol).

While I have ambitions, it just occured to me after discovering this blog that the adults around me my whole life were quite the bummers. It may have unconsciously washed into my head that I too, if I was sane and normal and wasn't some hippie, must slave away for 45 years, perhaps unhappily, and possibly much longer until I am free to pursue my passions with a broken back and false teeth in some Golden Years (this term has always struck me as being ironic).

But what's this? People have actually managed to retire at 30? Its possible to attain freedom to do what you want to do while your body is still intact and you arent forced to keep the money flowing to eat and pay off debts?

Thank you, for helping me become an optimist!

And thank you, for a forum that is actually active!

Next year, I will be in college and the beginning of my financial responsibilities will begin, and I hope this forum can help and be with me through my uncertainties and inexperiences.

Hoorah for the forum!

Title: Re: Celebrations Thread
Post by: AmandaS1989 on October 20, 2015, 03:12:58 PM
You are so lucky to have come to the party at such a young age. Start saving now my friend. Compound interest will work some serious magic for you.
Title: Re: Celebrations Thread
Post by: Bill76 on October 22, 2015, 08:52:33 AM
Rental house is sold! All the non-mortgage debt is paid off except for the 0% loan on our van (which originated pre-MMM).  I have cash on hand to pay that off, but I want to put it to more productive use.

If my back of the envelope math is correct, we'll have a small loss on the rental come tax time because it was vacant for a few months, and the sale should net close to zero for tax purposes.  With that, my landlording experiment is over for now.
Title: Re: Celebrations Thread
Post by: TravelJunkyQC on October 26, 2015, 12:12:58 PM
Just received my first pay for freelancing work! I live and otherwise work in Canada, but this pay is coming into my US account (I'm also a US tax-paying citizen). This means that for the year 2015, I can finally contribute to an IRA... and since I don't need this money, 100% will be going into my IRA. Canadian tax-advantaged accounts are already maxed out. Yay!
Title: Re: Celebrations Thread
Post by: Sibley on October 26, 2015, 06:10:11 PM
My credit card debt is under $2000! Goal is to have it gone by the end of 2015, then rolling that payment onto student loans.
Title: Re: Celebrations Thread
Post by: CU Tiger on October 28, 2015, 05:23:50 PM
Last year my husband was promoted to CIO of his company with a tiny raise involved, but he was promised "a substantial bonus." Well, today, the substantial bonus letter came and it is (wait for it!) $10,000.

Our house is paid for, we own our cars free and clear, we have no credit card or other debt...our paychecks more than cover all our bills, even with a substantial savings rate. We have to figure out what to do with this money, what a great challenge to have.

Not only am I happy about this infusion of cash, I'm delighted for my husband, he's feeling pretty good right now. I married a good one.
Title: Re: Celebrations Thread
Post by: couponvan on October 28, 2015, 05:42:55 PM
Achievement get:
Networth > $50k

:D

WOO HOO!!!!
Title: Re: Celebrations Thread
Post by: couponvan on October 28, 2015, 05:52:37 PM
My credit card debt is under $2000! Goal is to have it gone by the end of 2015, then rolling that payment onto student loans.

Fantastic!  Once that horrid credit card debt is gone, things go up quite quickly.  The worst thing ever was DH's Ben Bridges credit card that he purchased my engagement ring with - at 29% interest.  (I'd already said "yes" before I knew what he'd done.) I paid that sucker off the next month with a 401(k) loan which was PAINFUL combined with law school payments for him.  We literally ate rice and beans for a few months since of course the ring was un-returnable!  You are on the right track....
Title: Re: Celebrations Thread
Post by: lostamonkey on October 28, 2015, 07:38:16 PM
Last year my husband was promoted to CIO of his company with a tiny raise involved, but he was promised "a substantial bonus." Well, today, the substantial bonus letter came and it is (wait for it!) $10,000.

Our house is paid for, we own our cars free and clear, we have no credit card or other debt...our paychecks more than cover all our bills, even with a substantial savings rate. We have to figure out what to do with this money, what a great challenge to have.

Not only am I happy about this infusion of cash, I'm delighted for my husband, he's feeling pretty good right now. I married a good one.

Congrats, I would transfer it straight to my Vanguard investment account if I was you.

I ended up reaching my 2015 net worth goal today. It was a surprise. I track all my accounts on Excel and adjust to actual every so often. I adjusted to actual today and realized that I had achieved my goal. Hopefully the goal is still achieved at the end of the year. I have realized that net worth goals are stupid because the short term swings in the stock market have such a large impact on whether you reach your goal.
Title: Re: Celebrations Thread
Post by: CU Tiger on October 30, 2015, 08:53:09 PM
Last year my husband was promoted to CIO of his company with a tiny raise involved, but he was promised "a substantial bonus." Well, today, the substantial bonus letter came and it is (wait for it!) $10,000.

Our house is paid for, we own our cars free and clear, we have no credit card or other debt...our paychecks more than cover all our bills, even with a substantial savings rate. We have to figure out what to do with this money, what a great challenge to have.

Not only am I happy about this infusion of cash, I'm delighted for my husband, he's feeling pretty good right now. I married a good one.

Congrats, I would transfer it straight to my Vanguard investment account if I was you.

I ended up reaching my 2015 net worth goal today. It was a surprise. I track all my accounts on Excel and adjust to actual every so often. I adjusted to actual today and realized that I had achieved my goal. Hopefully the goal is still achieved at the end of the year. I have realized that net worth goals are stupid because the short term swings in the stock market have such a large impact on whether you reach your goal.

Yeah, we wound up tossing it into the Vanguard account. We have reached the point where we have so much insane luxury that we do not want to spend any more money than what we usually spend. It is a rich, full life!
Title: Re: Celebrations Thread
Post by: ajmers on November 05, 2015, 08:26:19 PM
Started a new job at a new company in July at a 40% raise (+ 10% bonus), and I just got my first bonus! Had to shell out a few hundred this week for HVAC repair (next step - learn to DIY!) but still seriously upped my savings rate with this move, a combination of increased income and a slight reduction in spending (working on that too :)) Feels good!!
Title: Re: Celebrations Thread
Post by: JZinCO on November 06, 2015, 02:46:41 PM
I turned down a free van that runs well and has been super useful to borrow for moving things (borrowed it for a month in the past).
Because of course it isn't free with registration and insurance. If I had a free place to park it until my living situation changed and I absolutely would have needed it, sure that would work. But when I am already trying to downsize from 2 to 1 vehicles....
It was either a dumb decision or a mustachian celebration.
Title: Re: Celebrations Thread
Post by: Financial Ascensionist on November 08, 2015, 11:22:17 AM
At the end of last month, I dutifully plugged a few numbers in my spreadsheets to keep track of where things were going in.  For the first time, my net worth grew more than my total work income.  In other words, my savings rate was over 100%; I was financially independent.

Obviously, October was an exceptionally generous month on the stock market and I don't expect next month to go as well, but passing this milestone, even if was just for a moment, feels extremely liberating.  Realistically, I expect to need another three to six months to achieve a stable level of financial independence, at which point I will probably indulge in a slightly more decadent celebration than posting to share my joy.  In the meantime, I will proudly keep a stupid grin on my face. 

Life is great!
Title: Re: Celebrations Thread
Post by: tenns9 on November 08, 2015, 11:15:22 PM
My wife and I just made our final payment on our home which is worth about $180k (took us 4.5yrs)! My wife was in tears and we both feel a huge burden lifted off our backs. I know this wasn't the best use of our money considering the low 3% interest rate, but we had to do this because of the burden we felt by owing someone money.

We now have an awesome problem of not knowing what to do with all our extra money. We were making $2,000-$3,000 payments/mo on our house for quite some time (it varies because of my commission). I will increase all my investments in my 401k, Roth, and IRA, but I'm more interested in possibly having a couple rental properties as well, I just don't know where to start with that.
Title: Re: Celebrations Thread
Post by: Zaga on November 09, 2015, 09:38:23 AM
Congrats!  I think having a paid off house is one of the best feelings there is, poo on the math, lol!
Title: Re: Celebrations Thread
Post by: powersuitrecall on November 10, 2015, 07:42:22 AM
On the long path to FI it feels great to hit a milestone, even if it is a small one.

Today our milestone was maxing out one of our TFSA accounts!

Earlier this year, we refinance our mortgage with a 3 year amortization, even though we could have paid it off in 1.  Easing up on the mortgage allowed us to put more towards out tax advantaged investment accounts.

Our plan is to, in about 2 years, achieve the ultimate trifecta of investment goals:
- Maximize both TFSA accounts
- Maximize RRSP accounts (which will come with some juicy immediate tax savings)
- Pay off the mortgage.

We are right on schedule!!!
Title: Re: Celebrations Thread
Post by: PARedbeard on November 10, 2015, 08:06:40 AM
A small victory as well: maxed out my ROTH for the first time ever, and am putting 15% (plus a 5% employer match) into my shiny new 401k!
Title: Re: Celebrations Thread
Post by: AmandaS1989 on November 10, 2015, 08:09:01 AM
Congratulations PARedbeard! 15% is amazing! I can only do 4 right now. I might change it to 6 next year if I get a raise.
Title: Re: Celebrations Thread
Post by: Chaplin on November 24, 2015, 11:02:14 PM
Our plan is to, in about 2 years, achieve the ultimate trifecta of investment goals:
- Maximize both TFSA accounts
- Maximize RRSP accounts (which will come with some juicy immediate tax savings)
- Pay off the mortgage.

We are right on schedule!!!

Nice! I'm not there yet, but a level-up from those goals is to make the current year's full RRSP and TFSA contributions on January 1. Allowances can be made if you need to feed some portion in more slower to get the maximum match from an employer.
Title: Re: Celebrations Thread
Post by: marblejane on December 01, 2015, 07:57:31 PM
I just crossed six figures in my retirement accounts!
Title: Re: Celebrations Thread
Post by: Neustache on December 01, 2015, 08:05:28 PM
Congrats, marblejane!  I'm not there yet, it must be a cool feeling!  Woot!!
Title: Re: Celebrations Thread
Post by: ooeei on December 03, 2015, 07:22:23 AM
Joined the $100k net worth club yesterday!


... For about an hour


I'm still counting it!
Title: Re: Celebrations Thread
Post by: stealthystache on December 09, 2015, 07:59:01 PM
Congrats Tenns9 on the mortgage payoff! I hope to be there soon... My partner and I have been looking at doing the same thing after realizing we got nowhere on lowering our debt over the last 10 years even though we paid extra each month.

Here's our personal "hurrah!": after the bank that holds our house note turned us down for a refi at a lower rate, we took some of our cash that we had offered the bank to sweeten the deal, and instead bought a HUD auction house free and clear, and are now preparing to sell our overpriced (oversized, over heated/cooled, etc.) house and live mortgage free! Just got the keys yesterday and I can smell the freedom.

...take that greedy bank! (and slightly stupid past self)
Title: Re: Celebrations Thread
Post by: arebelspy on December 10, 2015, 12:48:33 AM
That's awesome, nice move StealthyStache!
Title: Re: Celebrations Thread
Post by: StacheInAFlash on December 10, 2015, 08:58:32 AM
I just submitted my final student loan payment this morning! $52,000 paid off in 21 months! Technically, I was paying longer than that, but not even making a dent with minimum payments and several interest only payments for a handful of years. My starting balance on January 1st this year was over $36k so it has been a whirlwind.

January 1st this year starts with all that excess money going to the retirement accounts! I'm so excited to finally get to max those out next year!
Title: Re: Celebrations Thread
Post by: arebelspy on December 10, 2015, 12:29:27 PM
Way to go SIAF!
Title: Re: Celebrations Thread
Post by: zinethstache on December 10, 2015, 01:55:58 PM
I am cruising the latest in this thread which is a great pick me up lunchtime read. normally I just read and lurk, but today there are a couple of posts I need to cheer about.

First a huge congrats to @ajmers for a 40% increase in pay at a new job! That is awesome!

And next, congrats on you all for paying off your mortgages too! We plan to sell our primary residence this summer and get rental #5. We will have to live there until I pull the plug on my RE plans, next Jan (2017).

I'd always hoped to be mortgage free and instead I will have 5 mortgages with passive income enough to be FI, who've thunk it.

(other than our mortgages we are debt free)
Title: Re: Celebrations Thread
Post by: aetherie on December 11, 2015, 12:26:34 PM
My holiday bonus is $4,000 and it's going straight to Vanguard :D
Title: Re: Celebrations Thread
Post by: Sibley on December 15, 2015, 08:51:38 AM
With the most recent payment on the CC, I'm officially done paying off past balances. It's current activity only now!
Title: Re: Celebrations Thread
Post by: arebelspy on December 15, 2015, 08:59:26 AM
With the most recent payment on the CC, I'm officially done paying off past balances. It's current activity only now!

(http://i.giphy.com/xTiTnz33weTH3K8Uvu.gif)
Title: Re: Celebrations Thread
Post by: stealthystache on December 15, 2015, 08:16:10 PM
Nice going, Sibley!!!
Title: Re: Celebrations Thread
Post by: smalllife on December 16, 2015, 06:52:41 AM
We have passed 100k net worth (for about a week until we can pay the last semester's tuition, but I like seeing those six figures) - not including car or any housing appreciation!  Woop woop!

I also did some calculations and we are about 5 years from rice and beans FI, 7 from my definition of FI (husband's a bit higher for travel).  Trying to focus on the light, not how long the tunnel is ...

I ALSO - it's a big month for me - talked myself into reducing our mortgage payment.  The money will go to paying off the family loan which enabled the house in the first place (win-win for all, long story), low interest but family puts it on top of the priority list.  However, when that is paid off I will be investing the surplus in a taxable "mortgage" investment account.  It's taken me two years to talk myself into it: although it helps that with the principal we've paid down on both loans we can sell the house, pay off my parents, and still come out ahead as of a couple of months ago.

Ooh ooh - AND my husband is *this* close to being able to max out his 401k ... maaaaybe 2016, 2017 at the latest depending on how graduation/job hunt plays out. 

It's been a good year :-)

Title: Re: Celebrations Thread
Post by: PARedbeard on December 16, 2015, 10:29:19 AM
That sounds like quite the year, indeed, smallife!
Title: Re: Celebrations Thread
Post by: smalllife on December 17, 2015, 05:12:24 AM
That sounds like quite the year, indeed, smallife!
Thanks! It feels a bit surreal to start seeing things take off!
Title: Re: Celebrations Thread
Post by: PARedbeard on December 17, 2015, 08:39:08 AM
I've got another small celebration today: I feel confident upping our 401k contributions from 15% to 17%. Not a huge change, but it is one step closer to maxing it out!
Title: Re: Celebrations Thread
Post by: stealthystache on December 18, 2015, 02:56:05 PM
Today we made a huge payment to pay off the last of our medical debts, leaving only the student loan (at under 2% interest) and mortgage. The mortgage will be dead once the house is sold (we're planning on listing in 2-3 months), and then the mortgage payments will pay off the student loan in less than a year! By this time next year we should be in or at least preparing for our "extreme savings" phase with zero debt.

Oh man, this feels good!
Title: Re: Celebrations Thread
Post by: zephyr911 on December 21, 2015, 10:41:00 AM
$17,992 worth of TSP contributions are now invested or will be processed before 12/31.

While I didn't *technically* hit the max, I'm declaring it (literally) close enough for government work. And I'm about to drop all $5500 for my 2015 IRA as well, so (ignoring the $8 as a rounding error) I've maxed all tax-deferred accounts for the first time.

It took me over a year to get SR high enough to even make it possible, and the huge processing delays mean that I kept adjusting by the wrong amount. But I think I've gotten it dialed in now. The election to drop back from nearly $1000/PP to the required $692 is should apply to my first 2016 check and all others thereafter.

I'm liking the new normal.
Title: Re: Celebrations Thread
Post by: JrDoctor on December 22, 2015, 01:15:28 AM
Today I hit ~£97,000 of equity, with a ~£30,000 student loan I'm not currently repaying which is at 1.5% interest right now.  I've got my medical degree which is a passport to work in many countries.  Makes staying 2 hours late last night slightly more bearable.  Also got an extra £82.00 in the form of a relatively unusable billable service (cremation form).  Sad but I'll add it to the stache.
Title: Re: Celebrations Thread
Post by: nixjasr on December 22, 2015, 03:35:56 PM
We are currently hosting our 100th Airbnb guest in our basement apartment! Total income for 2015 (pretax): $10,650.
It was a cobblestone cellar two years ago. We did most of the work ourselves, and learned a ton along the way.
Coolest part: guests from Hawaii bring you chocolate-covered Macadamia nuts as a gift!!!
Title: Net worth jump in 2015
Post by: onlykelsey on December 22, 2015, 03:48:21 PM
Because I feel like an a**hole saying this to my 29 year old friends, I'll say it here.

This year I managed to grow my net worth from 198K to approximately 325K (depending on the market the next week and a half).  If I can do that for two more years, I'm safe enough, right?  Unfortunately a lot of it (70K) is equity in my illiquid ~610K condo, but that balance should shift towards about 50/50 in the next two years, and my savings rate should pick up now that I've had and paid for my wedding (hopefully a one-time 2015 expense).

I'm pretty excited that I paid for my own degrees (private BA, public MA and JD) and own my house by the end of my 20s, having not come from money or parental support.  I suspect part of the stress in the next few years will be accepting a less stressful path forward, figuring out children, and starting to reimagine a life where I'm not working 80 hours a week.   Not a bad problem to have, but one I don't have much experience with.


(I just realized I posted in the wrong place when I saw this thread light up.  I will erase my other post. Sorry all!)
Title: Re: Celebrations Thread
Post by: halseyskates33 on December 22, 2015, 04:05:25 PM
It is small, but I was pretty happy with after making a days worth of calls to have a debt adjusted to 1k lower due to an accounting error on their part.

Little bit every day!
Title: Re: Celebrations Thread
Post by: zephyr911 on December 24, 2015, 08:40:55 PM
It is small, but I was pretty happy with after making a days worth of calls to have a debt adjusted to 1k lower due to an accounting error on their part.

Little bit every day!
That is not small! You just earned over $100 an hour to... talk! xD
Title: Re: Celebrations Thread
Post by: JZinCO on December 26, 2015, 10:54:38 PM
Don't know where to put this but I will celebrate my father in this post.

My cousin goes to a private high school where tuition is over $23K. Cousin said something to denigrate public schools and my dad responded, saying 'Your father went to public high school and college which led to a career where he can pay for your private school.."
Zing.
Title: Re: Celebrations Thread
Post by: onlykelsey on December 28, 2015, 08:15:54 AM
'Your father went to public high school and college which led to a career where he can pay for your private school.."
Zing.

Hahahah, that is awesome.  I've read that graduates of private school do better, but only if you don't control for parents' background, income, marital status, etc.  meaning, if you have parents that can send you to private school, you're winning, regardless of whether you actually go.
Title: Re: Celebrations Thread
Post by: San Dawg Stubble on December 29, 2015, 09:23:23 AM
Hello everybody! As we're preparing our 2016 financial plan, I've reflected on how far we've come over the last 3 years.
End of 2012:
- $15,000 student loans
- $15,000 other loans
- $22,000 credit card
- $15,000 total investments
= $37,000 in debt

2013/2014 (most importantly): bought a house, got married, had a baby!!!

End of 2015:
- no debt (except mortgage)
- two masters degrees
- $200,000 in home equity (thank you San Diego real estate market)
- $130,000 in investments/savings
- new job paying 30% more
- planning to max all retirement accounts in 2016, plus some investment accounts to get over a 50% SR
- mint says net worth is just shy of $350,000

(No, the wifey is not a sugar momma, but she is my inspiration to save more and spend less money, so I can spend more time with my family)

Happy New Years!!!
Title: Re: Celebrations Thread
Post by: JZinCO on December 29, 2015, 10:41:57 AM
Well done!

I think I'll recap as well.
In 2015 I,
-Cut avg monthly spending from 1700 to 1100
-Started a new position with a 40% raise
-Moved back to the city where my gf is (meant less financial and relational costs)
-Funded my roth IRA for the 1st time; put 18% of gross income in retirement accounts
-Funded my emergency fund
-Upped my networth from ~5K to over 35K
-Paid off the last 4K in student loans
-Spent half the year caretaking for a friend's house with a rent of only 300/mo
-Started a taxable acct with 3K
-Fully funded a cash reserve for large purchases (with no short term purchases to foresee)
-Started a side business (for which I will not see any income in 2015)
-Decided that while I would love to buy a house, the appreciation over the past few years (incl. 13% this year) in my city has deterred me. So I have not begun savings for a house.
-Also the gf finished her phd and now makes well more than me so that's awesome for her and takes away a source of stress

So all in all, I finally started getting serious about retirement and have built a reserve of cash as a safety net
In 2016 I will:
-Use my increased cash flow (plus end contributing to my cash reserves and taxable acct) to put 50% of gross income in retirement accounts
-Earn 14% more gross income by moving to a different position at my employer (starting Feb 1)
-Earn 10% more gross income from contracts near completion as of this month and take on new contracts (the side business may become how I decide to save for a down payment, not sure yet).
Title: Re: Celebrations Thread
Post by: zephyr911 on December 30, 2015, 11:51:02 AM
Well, it's slow as hell in the office this week and I took off half the day so I could do a Tuesday night thing in Birmingham, 100 miles away. I just got in, sat down and started checking email, and found a couple of personnel system notifications, so I pulled up the site. AND I JUST GOT AN EARLY STEP RAISE. 9 months ahead of the automatic one. This means my boss was happy enough to voluntarily fill out the paperwork to request it for me after my annual eval (Oct).

It's $2379/yr, or $91.50 per check, $92.42 if the 1% global raise goes through for 2016. Even after taxes, that means $1800+ to invest. \m/ ^_^ \m/

The final note at the bottom says "thank you for your hard work and dedication"... xD
Title: Re: Celebrations Thread
Post by: JLee on December 30, 2015, 11:52:01 AM
Well, it's slow as hell in the office this week and I took off half the day so I could do a Tuesday night thing in Birmingham, 100 miles away. I just got in, sat down and started checking email, and found a couple of personnel system notifications, so I pulled up the site. AND I JUST GOT AN EARLY STEP RAISE. 9 months ahead of the automatic one. This means my boss was happy enough to voluntarily fill out the paperwork to request it for me after my annual eval (Oct).

It's $2379/yr, or $91.50 per check, $92.42 if the 1% global raise goes through for 2016. Even after taxes, that means $1800+ to invest. \m/ ^_^ \m/

The final note at the bottom says "thank you for your hard work and dedication"... xD
That's awesome! Congrats!
Title: Re: Celebrations Thread
Post by: jj_k80 on December 30, 2015, 02:40:26 PM
After 3+ years of resume box-checking, I landed a really nice job for 2016.  Commute is cut in half, slightly less hours, better training, and my income will basically double.  The timing could not be better, as my other celebration is my firstborn being due in February!
Title: Re: Celebrations Thread
Post by: aetherie on December 30, 2015, 03:54:17 PM
After 3+ years of resume box-checking, I landed a really nice job for 2016.  Commute is cut in half, slightly less hours, better training, and my income will basically double.  The timing could not be better, as my other celebration is my firstborn being due in February!

Congratulations! Both on the job and on the baby!!
Title: Re: Celebrations Thread
Post by: Tortoise Banker on December 30, 2015, 04:57:47 PM
After 3+ years of resume box-checking, I landed a really nice job for 2016.  Commute is cut in half, slightly less hours, better training, and my income will basically double.  The timing could not be better, as my other celebration is my firstborn being due in February!

That's wonderful.  Congratulations, and BIGGER congratulations on the near arrival of your child!
Title: Re: Celebrations Thread
Post by: SuperSaver on December 31, 2015, 01:37:43 PM
Paid off $18,000 in debt in 2015. Surpassing my goal of $15k in 2015.

I finished paying off all of my private student loans before June 1, 2015 and am aggressively paying off our Yaris we bought November 25, 2014 (it'll be paid off before March 1, 2016).

I'm quite proud as this was the first year my fiance and I both had full time jobs with benefits the entire year (we both got our jobs mid 2014).

We are 25 and after 3 years of aggressively paying down debt the end is in sight!!!
Title: Re: Celebrations Thread
Post by: onlykelsey on December 31, 2015, 01:43:24 PM
UPDATE.  I forgot that I had to pay off the remaining 14K on my roof assessment in my condo, but then the market picked up and my last paycheck was higher than expected due to having completed my 401K contributions.  So instead of an increase from 198 to 325 in a year, it was 198 to 330K.  Not shabby for 29, but think next year can be even better (and be less heavily weighted towards equity in my appreciating condo).  At the very least, I shouldn't need to shell out 64K for my roof again next year.  I'd be at 400K if I hadn't had to do that!
Title: Re: Celebrations Thread
Post by: stealthystache on January 01, 2016, 04:33:39 AM
Paid off $18,000 in debt in 2015. Surpassing my goal of $15k in 2015.

I finished paying off all of my private student loans before June 1, 2015 and am aggressively paying off our Yaris we bought November 25, 2014 (it'll be paid off before March 1, 2016).

I'm quite proud as this was the first year my fiance and I both had full time jobs with benefits the entire year (we both got our jobs mid 2014).

We are 25 and after 3 years of aggressively paying down debt the end is in sight!!!

Dang! you guys are off to a great start! 2016 should be a banger of a year for you :)
Title: Re: Celebrations Thread
Post by: JZinCO on January 01, 2016, 12:42:10 PM
Got paid on Dec 31 so I can say this year's NW went from 5 to 40K. It will dip down to 39.5Kish by Jan 31 before getting paid again but woohoo.

Also my invested assets are > my cash savings which is a new first now.
Title: Re: Celebrations Thread
Post by: GettingThere on January 02, 2016, 07:28:41 AM
My First celebration Thread, recap of Year 2015. Note this is all canadian dollars, which may as well be canadian rupees now, but my expenses are in CAD$ so I guess it does not matter that much :


1) Networth increased 125K in 12 months, even with poor stock market performance

2) Paid off my house in 2015 (worth around 225K)

3) Zero other debt

4) Worked only around 900 hours and made 120K after taxes

5) Should be FI in about 5 years at age 43

Currently in Mexico for 1 month to escape canadian winter !

Title: Re: Celebrations Thread
Post by: Chrissy on January 03, 2016, 02:04:21 PM
My estimate of our net worth for 2015 was $557k, and $600k for 2016... but we're at $603k today!!!  And to think I was actually feeling morose about it, because we haven't had any movement since October--ha!  Perspective is everything.

Title: Re: Celebrations Thread
Post by: OmahaSteph on January 04, 2016, 08:30:21 AM
I paid off a credit card! Yippee!!!
Title: Re: Celebrations Thread
Post by: Stash padawan on January 04, 2016, 01:32:19 PM
My First celebration Thread, recap of Year 2015. Note this is all canadian dollars, which may as well be canadian rupees now, but my expenses are in CAD$ so I guess it does not matter that much :


1) Networth increased 125K in 12 months, even with poor stock market performance

2) Paid off my house in 2015 (worth around 225K)

3) Zero other debt

4) Worked only around 900 hours and made 120K after taxes

5) Should be FI in about 5 years at age 43

Currently in Mexico for 1 month to escape canadian winter !

What do you do for a living GettingThere? I'm also Canadian and working 900 hrs to get 120k after taxes looks awesome...
Title: Re: Celebrations Thread
Post by: Stash padawan on January 04, 2016, 01:38:52 PM
My 2015 highlights:

- Discovered this awesome blog and forum. One of the greatest communities I've seen so far on the vast internets.
- Acquired first rental property. So far so good.
- joint NW (SO and I) is now over 60k (started the year in the red zone).
- Got rid of credit margin debts.
- Didn't carry any credit card debt over the year and never planning to do so in the future.
- Started Index investing and everything goes as planned.

2016 will be exiting as I track this NW and our financial objectives. SO is in the boat too so it makes it a bit easier to focus on our goal, FIRE in 10 years!

Title: Re: Celebrations Thread
Post by: JLee on January 06, 2016, 11:16:26 AM
My First celebration Thread, recap of Year 2015. Note this is all canadian dollars, which may as well be canadian rupees now, but my expenses are in CAD$ so I guess it does not matter that much :


1) Networth increased 125K in 12 months, even with poor stock market performance

2) Paid off my house in 2015 (worth around 225K)

3) Zero other debt

4) Worked only around 900 hours and made 120K after taxes

5) Should be FI in about 5 years at age 43

Currently in Mexico for 1 month to escape canadian winter !

What do you do for a living GettingThere? I'm also Canadian and working 900 hrs to get 120k after taxes looks awesome...

I'd be thrilled to work 900 hours for $120k CAD and I'm in the US.. :P
Title: Re: Celebrations Thread
Post by: FausseBourgeoise on January 09, 2016, 12:05:46 AM
I paid off my loans before graduation day, and took on extra work for the first half of the year which will add a security net for when there may be less work next year.
Title: Re: Celebrations Thread
Post by: GettingThere on January 09, 2016, 02:09:21 AM


What do you do for a living GettingThere? I'm also Canadian and working 900 hrs to get 120k after taxes looks awesome...

I'm a CPA and have my own tax return & consulting company. I work about 600 hours during the 10 weeks tax season and the rest of the year I have an employee that does consulting work.   I supervise her and do client relationships, which is about 5-10 hours a week.
Title: Re: Celebrations Thread
Post by: stealthystache on January 09, 2016, 06:16:47 AM
I paid off my loans before graduation day, and took on extra work for the first half of the year which will add a security net for when there may be less work next year.

That is sooooo smart, FB! Congrats on graduation and being off on a great financial start. :)
Title: Re: Celebrations Thread
Post by: stealthystache on January 09, 2016, 06:25:20 AM
Although not a big accomplishment, I'm counting every bit as a celebration. I'm going through the house continuing the purge of excess possessions, have already gotten rid of much on freecycle and given to Goodwill, and the rest I've sold. This week I put another $1500 in the bank from these sales (and some other bits), all ready to be invested.

Not only do I get the benefit of more cash, less stuff means a cleaner/more organized house, less emotional burden, & fewer things to pack and move when we downsize this year. Each of these small steps carries me forward to my goal (and I get to be happier, too :)
Title: Re: Celebrations Thread
Post by: cautiouspessimist on January 10, 2016, 10:20:46 AM
Although not a big accomplishment, I'm counting every bit as a celebration. I'm going through the house continuing the purge of excess possessions, have already gotten rid of much on freecycle and given to Goodwill, and the rest I've sold. This week I put another $1500 in the bank from these sales (and some other bits), all ready to be invested.

Not only do I get the benefit of more cash, less stuff means a cleaner/more organized house, less emotional burden, & fewer things to pack and move when we downsize this year. Each of these small steps carries me forward to my goal (and I get to be happier, too :)

I vote it counts as a celebration as well. This has been one of my main focuses the last few months, and I'm doing terrible at it! Part of the problem is that a lot of  the stuff that is taking up space is valuable (but only in well defined niches), and thus needs to be posted on ebay/etc, which is a good amount of work that I have had a hard time getting myself to do. So congrats on getting that stuff done!
Title: Re: Celebrations Thread
Post by: Sonos on January 12, 2016, 10:32:24 PM
*FINALLY packed my lunch all week this week (the week isn't over yet, but my lunches for Wed, Thu, Fri are already in the fridge and ready to go) after thinking about it for MONTHS. I even bought 4 divided tupperware containers to make it easier (they are awesome). It is SO easy to pack my lunches! Just had to DO IT instead of thinking about doing it! Hummus, baby carrots, hard boiled egg, fruit, string cheese, etc. Very fast and easy.

*Have been steadily increasing the amount of breakfasts I eat at home (instead of the local coffee shop on the way to work) and will have eaten breakfast at home all week this week!

*Sold my wedding dress (which I had already bought used). Not only does that decrease my total cost outlays for the dress by 65%, but it also means that someone else gets to enjoy the dress (it's a fabulous dress!).

*The startup I worked at several years ago was acquired and I get one last (maybe two) payouts. No idea how much it will be, but any amount is awesome! If anything, it might pay for repairing our sidewalk this week or maybe for our new water heater :) Had no idea this last payment was coming, so it was a pleasant surprise! I'll find out how much next week :)
Title: Re: Celebrations Thread
Post by: PhysicianOnFIRE on January 18, 2016, 02:03:14 PM
December was our lowest spending month since we started keeping track with Mint in September.  January might have been even lower if that deer hadn't hit me ($1000 deductible gone!).

Had the market tank just in time for me to put lots of $ into 457(b), 401(k), 529s and backdoor Roth.

Earned my first 50 cents blogging (thank you purchaser of book from Amazon.com, when I only linked to a song).  400 more books sold and I'll break even!



Title: Re: Celebrations Thread
Post by: del84 on January 18, 2016, 04:24:24 PM
Just realised my wife and I hit a nice milestone at the end of 2015. Broke million dollar net worth target (Australian dollars).

House value:   $1,286,000.00
Savings:         $57,000.00
Super (401k): $175,000.00
Mortgage:     -$493,000.00
Net worth:     $1,025,000.00

Next milestone target is to pay off house, projected in 5-6 years time.
Title: Re: Celebrations Thread
Post by: stealthystache on January 20, 2016, 09:05:32 PM
Just realised my wife and I hit a nice milestone at the end of 2015. Broke million dollar net worth target (Australian dollars).

House value:   $1,286,000.00
Savings:         $57,000.00
Super (401k): $175,000.00
Mortgage:     -$493,000.00
Net worth:     $1,025,000.00

Next milestone target is to pay off house, projected in 5-6 years time.

Nicely done - keep it up! :) I'm also looking forward to the time when my Mortgage line reads "0"
Title: Re: Celebrations Thread
Post by: Northwestie on January 25, 2016, 11:13:35 AM
--Paid off the mortgage early.  Bought the house for $210k in '96 and now worth $610k
--Finally got a Will and the Health Directives finalized, I know - should have done this long ago
--Passed $1.2M in retirement savings (excluding house)
--Found this site!
--Seriously started looking at the retirement date
Title: Re: Celebrations Thread
Post by: JLee on January 26, 2016, 07:59:22 PM
--Paid off the mortgage early.  Bought the house for $210k in '96 and now worth $610k
--Finally got a Will and the Health Directives finalized, I know - should have done this long ago
--Passed $1.2M in retirement savings (excluding house)
--Found this site!
--Seriously started looking at the retirement date

With ~$1.8mil net worth you could sell your house, buy another one in a LCOL area and retire.  Congratulations!
Title: Re: Celebrations Thread
Post by: stacyboy68 on January 27, 2016, 02:11:49 PM
Just began the journey and happy to be aboard..

Switched over to Republic Wireless

Cut cable

Got some new bikes and a trailer

Opened FI savings accounts...

Jeff
Title: Re: Celebrations Thread
Post by: stealthystache on January 28, 2016, 05:39:45 AM
Just began the journey and happy to be aboard..

Switched over to Republic Wireless

Cut cable

Got some new bikes and a trailer

Opened FI savings accounts...

Jeff

Welcome stacyboy68 - you'll find a ton of good info here and even more support. Kudos on so many adjustments early on!
Title: Re: Celebrations Thread
Post by: Northwestie on January 28, 2016, 10:45:35 AM
--Paid off the mortgage early.  Bought the house for $210k in '96 and now worth $610k
--Finally got a Will and the Health Directives finalized, I know - should have done this long ago
--Passed $1.2M in retirement savings (excluding house)
--Found this site!
--Seriously started looking at the retirement date

With ~$1.8mil net worth you could sell your house, buy another one in a LCOL area and retire.  Congratulations!

Certainly possible but we like where we live.  Never say never though.  May rent it out for a bit and travel.
Title: Re: Celebrations Thread
Post by: JLee on January 28, 2016, 09:32:28 PM
Not really a celebration for me...but on another forum I'm on, someone posted a thread about 'talk me out of buying a truck'.  I think I convinced him to up/max his 401k with the extra money he said he had. :P
Title: Re: Celebrations Thread
Post by: onlykelsey on January 29, 2016, 04:14:25 AM
Quote
Not really a celebration for me...but on another forum I'm on, someone posted a thread about 'talk me out of buying a truck'.  I think I convinced him to up/max his 401k with the extra money he said he had. :P

Nice! 

on a related note, I think I convinced my sister (who came in to ~150K 18 months ago and has 0K left) that she should start building a "f off" fund a la https://thebillfold.com/a-story-of-a-fuck-off-fund-648401263659#.h0qgv5aab . I think she thinks that fund should be 500 dollars (or approximately one day of expense), but it's something!
Title: Re: Celebrations Thread
Post by: TravelJunkyQC on January 29, 2016, 07:49:34 AM
Just accepted a new job offer last night! In terms of salary, it is only a 7% increase, but the job is 37,5 h a week instead of 40 h, I get an extra week vacation, and I get employer matching in a RVER (equivalent of a 401k). Also, it cuts my commute time from an 18 minute drive to a 10 minute drive or 25 minute bike ride. And most importantly, I'm SUPER excited about the new work. Yay!
Title: Re: Celebrations Thread
Post by: onlykelsey on January 29, 2016, 08:11:57 AM
Quote
Just accepted a new job offer last night! In terms of salary, it is only a 7% increase, but the job is 37,5 h a week instead of 40 h, I get an extra week vacation, and I get employer matching in a RVER (equivalent of a 401k). Also, it cuts my commute time from an 18 minute drive to a 10 minute drive or 25 minute bike ride. And most importantly, I'm SUPER excited about the new work. Yay!

That is awesome!
Title: Re: Celebrations Thread
Post by: Prospector on January 29, 2016, 08:47:45 AM
Just accepted a new job offer last night! In terms of salary, it is only a 7% increase, but the job is 37,5 h a week instead of 40 h, I get an extra week vacation, and I get employer matching in a RVER (equivalent of a 401k). Also, it cuts my commute time from an 18 minute drive to a 10 minute drive or 25 minute bike ride. And most importantly, I'm SUPER excited about the new work. Yay!

Two thumbs up!!
Title: Re: Celebrations Thread
Post by: TravelJunkyQC on January 29, 2016, 09:30:12 AM
Thanks so much for the virtual high fives!
I forgot an important tidbit - they're looking for a new office, and number 1 priority is bike parking and showers, because 75% of employees come to work on bikes.
Title: Re: Celebrations Thread
Post by: Dicey on January 30, 2016, 02:03:03 PM
Thanks so much for the virtual high fives!
I forgot an important tidbit - they're looking for a new office, and number 1 priority is bike parking and showers, because 75% of employees come to work on bikes.
Sounds badass. How many of them are Mustachians? Sounds like you're in good company indeed.
Title: Re: Celebrations Thread
Post by: TravelJunkyQC on February 01, 2016, 08:01:32 AM
Thanks so much for the virtual high fives!
I forgot an important tidbit - they're looking for a new office, and number 1 priority is bike parking and showers, because 75% of employees come to work on bikes.
Sounds badass. How many of them are Mustachians? Sounds like you're in good company indeed.

I don't know if the motivation for the biking is Mustachian, or rather simply liking sports. Based on the Audi SUV of the president of the company, I'm guessing its a sports thing. It's a 15-person-team/4-year-old-tech-start-up that has done very well for itself, and the entire team is made up of 25 to 40 year old outdoor fanatics (myself included). Regardless of the why, I'll be enjoying the benefits!
Title: Re: Celebrations Thread
Post by: sw1tch on February 01, 2016, 09:09:52 AM
Posting to subscribe.  Will eventually post some celebrations.
Title: Re: Celebrations Thread
Post by: onehair on February 01, 2016, 12:07:52 PM
Our raises have kicked in so now I will have extra money to invest in something or other..My check went up $58!  Now to decide who to feed and when to feed them...
Title: Re: Celebrations Thread
Post by: couponvan on February 01, 2016, 12:35:40 PM
I love coupons!

Successfully used the co-pay assistance coupon on our prescription medication to fully cover our mandatory $6,000 HDHP out-of-pocket for 2016.  Woo hoo!!!

$102 is going to be our monthly average cost for family of 5, 100% BCBS PPO in 2016.   

$264    monthly premium
     3    (2 $20 copays for DH's prescription with co-pay assistance averaged over 12 months. Monthly prescription cost is $4,000, with copay of up to $12,000 per year.)
(82)     Annual credit for DH opting out of medical coverage with his employer
(83)     $1,000 my company's contribution to the Health Savings Account
$102 effective monthly cost

Plus, I signed up for the max $5,750 allowed HSA family contribution again.  (I sign up every year just in case they change the rules on the coupon deal and I have to pay the $6,000 deductible myself.)  By the end of this year, our kids' braces will be fully funded with pre-tax HSA accounts for when they need them. 

Now I need to figure out 2015's contributions on Turbo Tax because I don't think my employer reported them correctly on my W-2, or I didn't report them correctly in Turbo Tax.....But that is another forum topic! :-)
Title: Re: Celebrations Thread
Post by: TooManyGuitars on February 02, 2016, 10:55:34 PM
A new school year is underway this week which includes a new school for my 2 kids - a free public school this year, after spending $30k over the last 2 years having them in a fancy private montessori school.  Thrilled to have convinced the wife of this. 

The money saved (~$1200/mo) is already channeled into savings.  2016 should see our net worth increase substantially!
Title: Re: Celebrations Thread
Post by: stealthystache on February 03, 2016, 07:41:56 AM
There's been a lot of forward momentum in the last couple of months and a lot has happened since the first post I made here about buying a HUD foreclosure with cash as an "F-U" to the bank when they refused to refi our high-rate mortgage for our current home. Here's what I'm cheering about now:

*cut the weekly food budget by more than $100 (more than $400 in savings each month). Still room for improvement here, though
*cut the cell bill by about $100/month
*sold more excess crap around the house
*took all this money saved plus other savings and invested in an REIT - first time doing this!

Now I'm working on rolling some old 401k's with high fees into Vanguard. Have the account set up, now it's just paperwork and $ transfer.

Extra good news? We got a smallish refund from our mortgage tax escrow (off to savings you go!). And...Just found out my SO will be getting a bonus from work. Don't know what it will be until next month, but they had the highest profits in their company history, so hoping that will trickle down to us nicely.

Still prepping current house for sale this spring (to dump the mortgage). BTW, the walk score in our new neighborhood is 76! Oh yeah!

Sometimes all the hard work seems so slow, and then BAM! All the good hits at once!
Title: Re: Celebrations Thread
Post by: Parizade on February 06, 2016, 11:49:11 AM
I had my taxes done today and my accountant informed me I could claim my brother as a dependent and get another $1250.00 back on my taxes!

Whoot! That will pay for my camping trip to Valley of Fire this spring.
Title: Re: Celebrations Thread
Post by: gliderpilot567 on February 10, 2016, 05:07:03 PM
Turned the fucking corner.

In the summer of 2014, we were drowning. All the credit cards were maxed, payments on them and various other loans were sucking down all my income, and at the end of the month I felt like a piece of shit because I couldn't afford to buy a banana for my kids. It looked like not only would we never be rich, but we'd be on the treadmill forever. Eventually somehow I realized the only way out was to pay off the debt.

Sold a bunch of stuff. Canceled many money-sinks like cable, magazine subscriptions, clubs, etc. Sold more stuff. Wife got a job. I worked a little bit extra outside my main job. Sold even more stuff. Paid off over $110k in debt over the last year and a half. Late in 2015, I started to be amazed how rapidly the cash began to build up in the bank account now that there were so many fewer payments. Accelerated debt payoff.

Refi'd 19k of student loans, approved for 2.1% by SoFi. Once that refi is finalized, we will slow-roll finishing paying those. Only remaining debt is 8k on a car at 3.75%, and our mortgage which is at the same interest rate. Car loan will be gone by May; I'm prioritizing cash into 2015 IRA contributions until April (3k of 11k invested so far). I know we weren't debt free just yet but knowing that we will be soon I wanted to cheat and start investing sooner, ha ha.

By the end of the year I want us to have put 22k into IRAs (5.5 each for 2015 and 2016 for myself and wife) plus 18k into my TSP. She has a 403b that she puts into up to the match, but is planning on quitting to be a SAHM again before the end of the summer.

Back when we decided to get serious about destroying our debt and becoming rich, I told my wife that by the end of 2017 we would have $50k saved/invested. She didn't believe me and said that was impossible. Ha, we're on track to blow that figure away by then. Looking at years after that I get dizzy thinking about the numbers, when just a short time ago it looked like we were up the creek.

Still revising our goals now that I've gotten smarter about finance and investing (been reading and studying everything I could over the last year) and have realized what we're capable of. Hoping to fire in late 2025 with my military pension (expected to be 50k in todays dollars) plus a stash of at least $500k. I think we can do even better than that.

Holy fucking shit. We are gonna win.

Title: Re: Celebrations Thread
Post by: NinetyFour on February 10, 2016, 05:35:18 PM
^^ That is awesome! ^^  Congrats on the huge turnaround!
Title: Re: Celebrations Thread
Post by: Basenji on February 11, 2016, 05:35:08 AM
Holy fucking shit. We are gonna win.
Awesome! That's inspiring, good for you..
Title: Re: Celebrations Thread
Post by: arebelspy on February 11, 2016, 07:47:47 AM
Turned the fucking corner.

In the summer of 2014, we were drowning. All the credit cards were maxed, payments on them and various other loans were sucking down all my income, and at the end of the month I felt like a piece of shit because I couldn't afford to buy a banana for my kids. It looked like not only would we never be rich, but we'd be on the treadmill forever. Eventually somehow I realized the only way out was to pay off the debt.

Sold a bunch of stuff. Canceled many money-sinks like cable, magazine subscriptions, clubs, etc. Sold more stuff. Wife got a job. I worked a little bit extra outside my main job. Sold even more stuff. Paid off over $110k in debt over the last year and a half. Late in 2015, I started to be amazed how rapidly the cash began to build up in the bank account now that there were so many fewer payments. Accelerated debt payoff.

Refi'd 19k of student loans, approved for 2.1% by SoFi. Once that refi is finalized, we will slow-roll finishing paying those. Only remaining debt is 8k on a car at 3.75%, and our mortgage which is at the same interest rate. Car loan will be gone by May; I'm prioritizing cash into 2015 IRA contributions until April (3k of 11k invested so far). I know we weren't debt free just yet but knowing that we will be soon I wanted to cheat and start investing sooner, ha ha.

By the end of the year I want us to have put 22k into IRAs (5.5 each for 2015 and 2016 for myself and wife) plus 18k into my TSP. She has a 403b that she puts into up to the match, but is planning on quitting to be a SAHM again before the end of the summer.

Back when we decided to get serious about destroying our debt and becoming rich, I told my wife that by the end of 2017 we would have $50k saved/invested. She didn't believe me and said that was impossible. Ha, we're on track to blow that figure away by then. Looking at years after that I get dizzy thinking about the numbers, when just a short time ago it looked like we were up the creek.

Still revising our goals now that I've gotten smarter about finance and investing (been reading and studying everything I could over the last year) and have realized what we're capable of. Hoping to fire in late 2025 with my military pension (expected to be 50k in todays dollars) plus a stash of at least $500k. I think we can do even better than that.

Holy fucking shit. We are gonna win.

Wow, that's a great story!

Well done taking charge!
Title: Re: Celebrations Thread
Post by: DagobertDuck on February 11, 2016, 03:27:06 PM
Awesome! Keep it up!
Title: Re: Celebrations Thread
Post by: Parizade on February 19, 2016, 11:03:55 AM
got an $8000 bonus today, WHOOT!
Title: Re: Celebrations Thread
Post by: AmandaS1989 on February 19, 2016, 02:55:44 PM
got an $8000 bonus today, WHOOT!

That is awesome! Any special plans for that sweet sweet cash?
Title: Re: Celebrations Thread
Post by: Parizade on February 19, 2016, 02:57:54 PM
got an $8000 bonus today, WHOOT!

That is awesome! Any special plans for that sweet sweet cash?

Throwin' it on the FIRE baby!
Title: Re: Celebrations Thread
Post by: AmandaS1989 on February 19, 2016, 02:59:26 PM
got an $8000 bonus today, WHOOT!

That is awesome! Any special plans for that sweet sweet cash?

Throwin' it on the FIRE baby!

So basically its for freedom right? ;)
Title: Re: Celebrations Thread
Post by: Parizade on February 19, 2016, 03:02:30 PM
got an $8000 bonus today, WHOOT!

That is awesome! Any special plans for that sweet sweet cash?

Throwin' it on the FIRE baby!

So basically its for freedom right? ;)

I'm getting close enough to smell the fresh air now, it's intoxicating!
Title: Re: Celebrations Thread
Post by: gliderpilot567 on February 19, 2016, 03:18:26 PM
It's awesome how the more you save, the more opportunities you find for additional savings. The exact opposite of being in debt.

Today I logged into my homeowners insurance. I checked my deductible and saw it was $2700 which is 1% of my home value. I had changed it to that from $1k last year when we were clawing our way out of the hole. Looking at the deductible amount, I thought, hell, that's too low, I can pay that easy with cash on hand! So I raised it to $5000. I could take it as high as $10k, but I'll do that once we've moved a few more rungs up the ladder. Saved a couple hundred a year.
Title: Re: Celebrations Thread
Post by: EcoCanuck on February 20, 2016, 01:28:37 AM
Congratulations to all of the amazing accomplishments! I have randomly been going through different pages for motivational nudges here and there.

Minor: I turned down a car from my company where I would have had to have paid for insurance, gas and parking and instead have joined their commuter bus program. Now I get to save, nap a bit in the car/read/socialize every day.

Major: We just reached our 2 year savings goal! With a new job I started we are on track to save what we saved in 2 years in 1 year, doubling our substantial savings. Improved our savings rate from 60% to low 70’s. This won’t be maintainable due to some impending life events but should settle to a strong 60%.

EcoCanuck
Title: Re: Celebrations Thread
Post by: stealthystache on February 22, 2016, 08:34:49 AM
My SO (who is decidedly NOT so frugal) has been watching me change all kinds of money habits over the last year and *offered* an old coin collection to be cashed in. Most of the coins are really just face value, but the big win is seeing a slight shift in thinking. No longer a massive consume and waste factory, I'm noticing much less eating out, fewer trips to the mall (thank god for that!), and better choices all around :)

The 300+ cash in coins went immediately to investments, and the more valuable ones we'll find the value on and sell. They're some really old silver dollars and should bring in another several hundred.

Every little bit is a step closer to freedom - seems to be my theme!
Title: Re: Celebrations Thread
Post by: onehair on February 23, 2016, 10:44:23 AM
I just found out we are supposed to be receiving bonuses from 1 to 3% sometime this week I believe.  I am allocating one third to outstanding debt, one third to savings or stocks and one third or less to either splurge on a book that interests me or absolutely nothing so that Digit or Acorns will skim it automatically.
 The book in question is only $12 used so no facepunches? Please?
Title: Re: Celebrations Thread
Post by: del84 on February 23, 2016, 04:15:52 PM
Had a couple recent celebrations.

I had refinanced my mortgage back in December 2015. This brought my interest rate down from 4.39% to 3.99% (Australia). They also offered $2,000 cashback incentive for the refinance and it only cost about $900 to change, so I also essentially got paid $1,100 to go to a lower interest rate. At the time this was about the lowest interest rate going.

This month, the bank just increased the rate by 0.2% making it 4.19% (other banks will no doubt follow suit soon), but on their website they were offering 4.09% to attract new customers. I complained to the bank saying I had only been with them less than 2 months and i'm no longer getting a "new customer" rate, so they dropped my rate back down to 4.09%.

Title: Re: Celebrations Thread
Post by: FrogStash on February 24, 2016, 01:48:02 PM
I good year end review led to a maxed out raise (4%) and bonus ($13,000 net after taxes and 401k etc.).  But the real celebration is that the net worth number crossed over $300,000!

I accidentally ran across my first MMM article just over a year ago and it has changed my life.  I only wish I found it sooner. 
Title: Re: Celebrations Thread
Post by: stealthystache on February 24, 2016, 09:20:14 PM
Had a couple recent celebrations.

I had refinanced my mortgage back in December 2015. This brought my interest rate down from 4.39% to 3.99% (Australia). They also offered $2,000 cashback incentive for the refinance and it only cost about $900 to change, so I also essentially got paid $1,100 to go to a lower interest rate. At the time this was about the lowest interest rate going.

This month, the bank just increased the rate by 0.2% making it 4.19% (other banks will no doubt follow suit soon), but on their website they were offering 4.09% to attract new customers. I complained to the bank saying I had only been with them less than 2 months and i'm no longer getting a "new customer" rate, so they dropped my rate back down to 4.09%.

Very clever! Folks don't realize many things are negotiable...even a bank's definition of a "new customer".
Title: Re: Celebrations Thread
Post by: Mongoose on March 01, 2016, 03:33:42 PM
Ok, so these are probably fairly pathetic reasons to celebrate from many folks perspectives (disclaimer: we are starting over after semi-voluntary career changes). They make me happy though!

- We have gained 8-9 more months to rebuild our lives without running out of money (as of November 2015, we were on target to be bankrupt March 2016. A lot of hustling, optimizing and selling excess stuff has moved that date back to December 2016 or later). My current biggest triumph.

- We paid off all but one debt completely last fall and are still paying more than the minimums on our remaining credit card debt. Ok, it's not as great as paying it off but every dollar over the minimum is fantastic.
Title: Re: Celebrations Thread
Post by: ElGrillo on March 04, 2016, 07:44:09 PM
Since I found MMM a couple of weeks ago, I've read as much as I could handle on all of the advice he and other bloggers offer. Following MMM's advice, I opened up a Betterment account and this week put in my first $100 into a "safety net" account, and $250 into a Roth IRA. I'm still in college and I don't make a lot of money yet, but this is a big deal for me!

My plan for now is to put $100 each month into the safety net account, and $20 into the IRA. Once I have a better paying job after I graduate, I'll be saving and investing a lot more than that.
Title: Re: Celebrations Thread
Post by: Joggernot on March 05, 2016, 06:54:12 AM
Since I found MMM a couple of weeks ago, I've read as much as I could handle on all of the advice he and other bloggers offer. Following MMM's advice, I opened up a Betterment account and this week put in my first $100 into a "safety net" account, and $250 into a Roth IRA. I'm still in college and I don't make a lot of money yet, but this is a big deal for me!

My plan for now is to put $100 each month into the safety net account, and $20 into the IRA. Once I have a better paying job after I graduate, I'll be saving and investing a lot more than that.
Nicely done!  Starting and a plan are 90% of the effort.  Follow-through comes next and all those temptations...:)
Title: Re: Celebrations Thread
Post by: PARedbeard on March 07, 2016, 11:47:29 AM
Keep it up ElGrillo! That's a great start!
Title: Re: Celebrations Thread
Post by: onehair on March 10, 2016, 09:36:20 AM
I used to collect Barbies during the worst of my pre-Mustachian days.  While getting rid of a great many of them through toy drives I kept some o