Author Topic: Celebrations Thread  (Read 1648162 times)

MommyCake

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Re: Celebrations Thread
« Reply #1450 on: February 16, 2017, 12:34:36 PM »
Congrats Cherry Lane!  And happy, the ending of my story I'm afraid doesn't qualify me for the "epic" FU thread....

My boss offered me better hours and a better location with a promise of no OT if I stay.  I said yes.  I am kind of regretting it, but I think it will be better for everyone if I stay on at least until this hiring freeze is over. 

happy

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Re: Celebrations Thread
« Reply #1451 on: February 16, 2017, 09:39:47 PM »
Well it does sound like you got what you needed - i.e. better hours, better location and no OT.  Thats the power of FU money.

thedigitalone

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Re: Celebrations Thread
« Reply #1452 on: February 17, 2017, 10:35:14 AM »
Other than our mortgage, we're officially debt free as of this morning.

I "woke up" back in October of 2015 when I realized that the lifestyle we were living was incredibly wasteful, we were overspending and accruing debt and for no reason.

I shut down my self-employed business that was under performing and went back to a full-time job, we refinanced the mortgage into a 3% 15 year term and aggressively started paying down our debts. It took 16 months but we did it, the cars, credit cards, everything is paid off!  Now I can accelerate paying off the mortgage and start our post-tax investing (we've been maxing the 401k's along the way) with the funds we've been paying off the debt with.

I started lurking here about 9 months ago, it has been very helpful in maintaining the mindset, I don't know that I would have had the willpower to pull this off without the constant reminders of the goal and reading about everyone else's successes along the way.

soccerluvof4

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Re: Celebrations Thread
« Reply #1453 on: February 17, 2017, 01:43:33 PM »
Congrats! ^

PJ

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Re: Celebrations Thread
« Reply #1454 on: February 18, 2017, 03:27:35 PM »
Lots of good things going on for people to celebrate.

Special congrats to thedigitalone for being debt free other than a mortgage

Other than our mortgage, we're officially debt free as of this morning.

...

I started lurking here about 9 months ago, it has been very helpful in maintaining the mindset, I don't know that I would have had the willpower to pull this off without the constant reminders of the goal and reading about everyone else's successes along the way.

Also, I agree with happy!  MommyCake, you got to have your cake and eat it too! 

Well it does sound like you got what you needed - i.e. better hours, better location and no OT.  Thats the power of FU money.

HPstache

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Re: Celebrations Thread
« Reply #1455 on: February 18, 2017, 10:40:42 PM »
Annual review and 5% raise on Friday.  Not a "huge" accomplishment by any stretch of the imagination,  but it is the first time I went straight to my 401k benefits site and raised my contribution by the same amount.

greengardens

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Re: Celebrations Thread
« Reply #1456 on: February 19, 2017, 11:08:49 AM »
Our net worth hit $100,000 this week and I paid off my student loans! (still have DH's loans though)

AccidentalMiser

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Re: Celebrations Thread
« Reply #1457 on: February 19, 2017, 03:15:18 PM »
We hit 750K net worth a few days ago!

FI, here we come!

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Re: Celebrations Thread
« Reply #1458 on: February 19, 2017, 06:34:02 PM »
Our net worth hit $100,000 this week and I paid off my student loans! (still have DH's loans though)
That is awesome! Crossing the $100K mark is a huge accomplishment.

My celebration: I just finished setting up max contributions to both my 403(b) and 457(b) (as a state employee I qualify for both). Will also be able to max out the ROTH IRA this year too.

TravelJunkyQC

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Re: Celebrations Thread
« Reply #1459 on: February 23, 2017, 12:10:10 PM »
Our offer was just accepted on a fantastic piece of 26-acre land 15 minutes outside the city. Yay! We'll be building over the next 3 years :)

chaskavitch

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Re: Celebrations Thread
« Reply #1460 on: February 26, 2017, 07:50:39 AM »
Our offer was just accepted on a fantastic piece of 26-acre land 15 minutes outside the city. Yay! We'll be building over the next 3 years :)

Woo, that's awesome!  That's our eventual goal, having some land but also access to people :)  Have fun building your own house! 

Zaga

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Re: Celebrations Thread
« Reply #1461 on: February 26, 2017, 01:18:42 PM »
Not something we did, but cool nonetheless. 

DH has been at his current job since April of 2015, and I thought I had read that in addition to the 3% 401-K match there would also be a 3% company contribution, but until today we had not seen any evidence of this.  Nor is it in any of the paperwork I've read since he was hired.

Well today I checked his 401-K and it was larger than expected, the 3% contribution for 2016 went in this week!  (I have no idea what happened to 2015, maybe you have to work there the entire year to get it?)

Trifle

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Re: Celebrations Thread
« Reply #1462 on: February 27, 2017, 04:40:19 AM »
Our NW went over $1M this month!   Holy crap.  It snuck up on me, because I don't usually include the kids' 529 accounts in our NW calculation. 
So, so happy. 

« Last Edit: February 27, 2017, 11:45:53 AM by Trifele »

NinetyFour

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Re: Celebrations Thread
« Reply #1463 on: February 27, 2017, 07:03:05 AM »
Excellent--congrats!!

Izybat

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Re: Celebrations Thread
« Reply #1464 on: February 27, 2017, 03:55:21 PM »
I had a surprise one as well. I logged into my bank and the balance of all of our accounts together was over $20,000 (this isn't including investments). I've never had that much just sitting around waiting to be put to work. Now, to be fair, most of it is earmarked for something. $x goes to the kitchen reno, $y is for paying off debt, $z is emergency fund, but still, it was a very pretty number to see.

Trifle

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Re: Celebrations Thread
« Reply #1465 on: March 01, 2017, 06:59:46 AM »
Nice, Itzybat!  That is a very pretty number indeed. 

marielle

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Re: Celebrations Thread
« Reply #1466 on: March 01, 2017, 07:17:47 AM »
August net worth: -$26,670
March net worth: -$12,000

Change of $14,670 in 7 months, on a $55k/$60k salary. (received an increase halfway through)

Could be better but not bad considering other expenses I've had and no 401k. I spent ~$2500 on car maintenance, $700+ on new bike and accessories, and who knows how much on moving costs and furniture.

plainjane

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Re: Celebrations Thread
« Reply #1467 on: March 01, 2017, 08:44:28 AM »
August net worth: -$26,670
March net worth: -$12,000

Change of $14,670 in 7 months, on a $55k/$60k salary. (received an increase halfway through)

That is huge.  You are more than halfway there, and then all the habits and skills you have developed are going to stand you in great stead.  Soon the power of compound interest will be in your favour instead of holding you back.

marielle

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Re: Celebrations Thread
« Reply #1468 on: March 01, 2017, 09:32:38 AM »
August net worth: -$26,670
March net worth: -$12,000

Change of $14,670 in 7 months, on a $55k/$60k salary. (received an increase halfway through)

That is huge.  You are more than halfway there, and then all the habits and skills you have developed are going to stand you in great stead.  Soon the power of compound interest will be in your favour instead of holding you back.

I never really had "bad habits"...I was always broke and living off of a few thousand a year (after rent) so I just continued the trend into the workforce. I don't really know what to spend on to be honest, except travel but credit card signup bonuses take care of that as well! Only $16k in student loans left...

sw1tch

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Re: Celebrations Thread
« Reply #1469 on: March 01, 2017, 01:31:15 PM »
Net worth eclipsed 500k this month when I include the cash-out balance of the pension at work.

This is huge and almost surreal.  It's crazy to think of where I was at just a couple of years ago and am really considering going FIRE or part-time FIRE later this year.  That Big Move counter just might become a FIRE one...
« Last Edit: March 01, 2017, 01:34:56 PM by sw1tch »

Trifle

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Re: Celebrations Thread
« Reply #1470 on: March 03, 2017, 04:37:27 AM »
Congratulations, Sw1tch!!  This is awesome!

Izybat

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Re: Celebrations Thread
« Reply #1471 on: March 03, 2017, 03:42:54 PM »
Just paid off another debt! That's two that have been paid off since January. Three more to go. Keep on trucking.

marty998

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Re: Celebrations Thread
« Reply #1472 on: March 03, 2017, 07:10:33 PM »
My net invested assets (non-house, non-super) went over $250,000 the past week.

jengod

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Re: Celebrations Thread
« Reply #1473 on: March 03, 2017, 07:14:47 PM »
I finally got my $75 payment for a freelance article I wrote several months back. The woman I'd been working w disappeared and was replaced so if took a loooong time to process the invoice.


Sent from my iPhone using Tapatalk

Etlav5

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Re: Celebrations Thread
« Reply #1474 on: March 03, 2017, 08:45:36 PM »
I handed in my resignation letter yesterday.  I have been telling my boss I can't work unplanned OT because I have to get my baby from daycare.  He keeps making me work late anyway and said yesterday that it would not change.  My passive income exceeds my expenses, so I pulled up my already-drafted-and-waiting letter and emailed it in.

I feel relieved, and nervous.

What a great FU money story.

KMMK

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Re: Celebrations Thread
« Reply #1475 on: March 04, 2017, 09:55:04 PM »
DH got his tax refund and became debt-free (except mortgage) for the first time in 10 years today. I'm very glad he had mostly fixed his financial situation before we met.

NinetyFour

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Re: Celebrations Thread
« Reply #1476 on: March 05, 2017, 04:53:16 AM »
DH got his tax refund and became debt-free (except mortgage) for the first time in 10 years today. I'm very glad he had mostly fixed his financial situation before we met.

AWESOME!!!

chaskavitch

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Re: Celebrations Thread
« Reply #1477 on: March 05, 2017, 06:29:16 AM »
We got rid of our cable TV last month, which will save us about $70/mo.  All we ever did was complain about commercials anyway, so it's a doubly good thing.

Also, my tIRA at Vanguard just got above $10,000, so I qualify for Admiral pricing.  Now all of my accounts are super inexpensive!  Yay VTSAX!  This was the last one lingering down below that value because it was a rollover from a PERA account from grad school, and I was only putting money into the Roth IRA and ignoring the traditional.

This is a good year for us so far!  Last week I got a promotion that comes with a 13% raise, so I'm going to up my 401k contributions from 14% to 17% (at least, maybe more if DH doesn't mind).  AND DH got a new job today, with a $10,000 raise, a chance for a 10% bonus every year (historically 5%), and a 401k option that will match 4% after a year.

Zetus lapetus, this is a REALLY good year.  We just reached $100,000 in our retirement accounts :)  And DH opened his 401k - he was originally going to start off at 5% to ensure his 4% match (3% match at 100%, then 50% up to 4% total), but he upped it to 7%, then 8%, then said "aw, screw it, let's just start at 10%."  Yay!

sw1tch

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Re: Celebrations Thread
« Reply #1478 on: March 06, 2017, 07:01:47 AM »
Congratulations, Sw1tch!!  This is awesome!

Thank you!

Here's my rough numbers at the beginning of each year:
2015: 236,000 (included estimated house value at beginning of year but sold it mid-year 2015)
2016: 338,000
2017: 474,000
Current: 515,000

Definitely worth celebrating!  I just wish I had started sooner, but as I always say: better late than never.

Izybat

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Re: Celebrations Thread
« Reply #1479 on: March 13, 2017, 05:10:24 PM »
My husband just got a job offer that includes a 10k sign-on bonus and a 59% pay increase!

bigchrisb

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Re: Celebrations Thread
« Reply #1480 on: March 13, 2017, 06:28:36 PM »
My net invested assets (non-house, non-super) went over $250,000 the past week.

Nice one Marty!  Next goal $500k?

As for me, I paid off a balance transfer credit card this month.  With the mortgage fully offset, means I now have no lumpy payments each month.  My income is now split just between current living costs and padding the stash.
« Last Edit: March 13, 2017, 06:31:10 PM by bigchrisb »

annastashia

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Re: Celebrations Thread
« Reply #1481 on: March 18, 2017, 12:29:29 AM »
Hi, new to the forum but a lurking Mutstachian for almost a year now. Just wanted to say hello and share my joy and relief at having fully paid off one CC, with 1.5k left on the other. Inspired by MrMoneyMustache's articles! Woohoo!

Trifle

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Re: Celebrations Thread
« Reply #1482 on: March 18, 2017, 03:34:22 AM »
My husband just got a job offer that includes a 10k sign-on bonus and a 59% pay increase!

Izybat that is awesome!!  There should be a "Mega Celebrations" thread for something like that!

Trifle

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Re: Celebrations Thread
« Reply #1483 on: March 18, 2017, 03:35:46 AM »
Hi, new to the forum but a lurking Mutstachian for almost a year now. Just wanted to say hello and share my joy and relief at having fully paid off one CC, with 1.5k left on the other. Inspired by MrMoneyMustache's articles! Woohoo!

Welcome Annastashia!  And great, great job slaying that CC.  Onward!!

DieHard_772

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Re: Celebrations Thread
« Reply #1484 on: March 18, 2017, 12:36:13 PM »
Modest gains, but fun:

--I changed the pipe below our sink, thus making the sink work again so we can use it.
We RENT, and I haven't usually done things like that, but wanted to give it a try.  Perhaps a little rehearsal
for one day owning?

--HSA up around $750, in its third month.  Woo hoo!

--My wife started investing about six months ago.  She had stayed away from it since 2008, breakthrough!

--My sister is getting into Mr Money Mustache.  This is awesome!

annastashia

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Re: Celebrations Thread
« Reply #1485 on: March 18, 2017, 09:06:01 PM »
Hi, new to the forum but a lurking Mutstachian for almost a year now. Just wanted to say hello and share my joy and relief at having fully paid off one CC, with 1.5k left on the other. Inspired by MrMoneyMustache's articles! Woohoo!

Welcome Annastashia!  And great, great job slaying that CC.  Onward!!

Thank you!

Trifle

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Re: Celebrations Thread
« Reply #1486 on: March 19, 2017, 08:06:34 AM »
Modest gains, but fun:

--I changed the pipe below our sink, thus making the sink work again so we can use it.
We RENT, and I haven't usually done things like that, but wanted to give it a try.  Perhaps a little rehearsal
for one day owning?

--HSA up around $750, in its third month.  Woo hoo!

--My wife started investing about six months ago.  She had stayed away from it since 2008, breakthrough!

--My sister is getting into Mr Money Mustache.  This is awesome!

Those are some great gains DieHard!  Love that your sister is into it.  I let my brother know about MMM some years back, and he went all-in and actually FIREd two years ago!  He's loving life these days.

morethanconquerors

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Re: Celebrations Thread
« Reply #1487 on: March 19, 2017, 11:58:42 AM »
Made my FINAL student loan payment last Thursday!!! Paid off $44,000 in less than 2.5 years.

Trifle

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Re: Celebrations Thread
« Reply #1488 on: March 20, 2017, 04:43:37 AM »
Made my FINAL student loan payment last Thursday!!! Paid off $44,000 in less than 2.5 years.

Welcome aboard morethanconquerors!  That is quite a first post. Congratulations!  I remember my last student loan payment too.  It's a huge milestone!

HappierAtHome

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Re: Celebrations Thread
« Reply #1489 on: March 20, 2017, 06:33:35 AM »
My net invested assets (non-house, non-super) went over $250,000 the past week.

Congrats Marty!!

Dicey

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Re: Celebrations Thread
« Reply #1490 on: March 20, 2017, 08:13:53 AM »
Made my FINAL student loan payment last Thursday!!! Paid off $44,000 in less than 2.5 years.

Welcome aboard morethanconquerors!  That is quite a first post. Congratulations!  I remember my last student loan payment too.  It's a huge milestone!
+ 44k!

TravelJunkyQC

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Re: Celebrations Thread
« Reply #1491 on: March 20, 2017, 11:38:57 AM »
Although I don't like getting a big tax refund since it means I gave the government a free loan for the year, our situation is just complicated enough (my partner is doing a Phd, we both own condos, mine is on the market, etc), that adjusting witholding for the past year wasn't feasible. This being said, we just finished doing our taxes and will be receiving 7,100$ back. Yay! We're buying a piece of land, so this helps with the down-payment :)

DieHard_772

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Re: Celebrations Thread
« Reply #1492 on: March 20, 2017, 04:28:52 PM »
Made my FINAL student loan payment last Thursday!!! Paid off $44,000 in less than 2.5 years.

Holy $#@ that is awesome...
Congrats

Zaga

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Re: Celebrations Thread
« Reply #1493 on: March 21, 2017, 04:51:23 PM »
Final student loan payment scheduled for my next pay in 2 weeks.  Woot!

Sibley

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Re: Celebrations Thread
« Reply #1494 on: March 22, 2017, 08:11:09 AM »
Found a house!
Put offer in!
Offer accepted!
Home inspection scheduled.
Mortgage stuff started.
Insurance quotes in process.

I'm really excited - and the house is $134k, 4 bed, 2 bath, 1750 sq ft (planning on parents moving in with me soonish, and this house will work for that). I LOVE this house :)

Freckles

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Re: Celebrations Thread
« Reply #1495 on: March 22, 2017, 09:33:36 AM »
A four bedroom, two bath house for $134K? Surely not in Chicago?

I may be baffled by those numbers, but, congratulations!

Sibley

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Re: Celebrations Thread
« Reply #1496 on: March 22, 2017, 11:43:52 AM »
A four bedroom, two bath house for $134K? Surely not in Chicago?

I may be baffled by those numbers, but, congratulations!

Northwest Indiana. Same job, different commuter train. Plus MUCH lower taxes and overall COL, and the state has an actual budget.

Freckles

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Re: Celebrations Thread
« Reply #1497 on: March 22, 2017, 12:39:00 PM »
Super congratulations, then!

MoMan

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Re: Celebrations Thread
« Reply #1498 on: March 27, 2017, 08:55:38 AM »
It's been a good couple of weeks for this mustachian. My wife and I have been in purge mode this spring. Just had our annual yard sale and really cleared out a bunch of crap, and even got a little spending cash. Listed my mountain board on CraigsList. The buyer was super happy and enjoying it on the beach (with his kiteboarding kite). Win win.

A week ago, I finally mustered up enough motivation to tear into my car's dashboard to fix my car stereo. I knew it was an easy fix, but to get to the stereo that I installed a few years ago, you have to remove a bunch of interior trim. But a couple of hours spent on a nice Sunday was worth it: I was hating my daily commute even more than usual without music or radio. Score.

That same Sunday, I was daydreaming aloud to my wife about my favorite distraction: retirement. I mentioned my plan to ride my bike a lot, and she called me out: "Why do you need to wait until retirement?" Dammit, she's always right. So last Monday after work I got back on and rode 10 miles. I followed that up and repeated it Tuesday, Wednesday and Thursday (Friday the weather didn't cooperate). Must make it part of my routine once again. And I think I'm there.

Tuesday evening, I finally listed our 1994 ski boat on Craigslist. I really lowballed it, which had the consequence of generating a LOT of interest fast. Once I had about 8 people who wanted it, I took the ad down. Anyway, I sold it Saturday!! Yes! What a total fucking relief. I'm more excited about ending the damned monthly storage facepunch fee ($100/mo) than I am about collecting on the sale. Still, its $1,000 towards our taxes. (Actually $900--we went out to celebrate Saturday night). Now I need to list my older sailboat and my old windsurfing equipment. I'm on a roll!

And yesterday I was pretty productive: made yet another delicious batch of breakfast burritos. I make about 60 of them at a time. Wrap in foil and freeze. When I wake up, toss one in the toaster oven while I go for my morning walk. By the time I get back, shower and make my lunch for the day, the burrito is ready to eat. I probably spend 90 minutes or so every 2 months. And I'm guessing they cost about a buck each to make.

Oh, I also cleaned our storage room yesterday. Wife was super impressed.

Plus, last Friday was bonus day! I'll probably use some of it for a car repair and let the rest of it sit in savings as CYA cash. We have a bigger emergency fund, but the savings is quicker to access if I'm about to be overdrawn (I don't keep much cash in my checking account).

So that's it. Today's Monday and I'm feeling pretty good about myself.

beach2133

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Re: Celebrations Thread
« Reply #1499 on: March 31, 2017, 01:06:59 PM »
Just hit 50% Home Equity.  $119,113.02 to go!
90.93 payments of $1500!
81.56 payments of $1650!