March numbers: Personal: Gross monthly W2 pay: $5,375 Net monthly W2 pay: $3,616 Total credit card debt: $25,872 (+166) Total other non-mortgage debt: $10,036 (+574) Total mortgage debt: $155,188 (-$832) Cash/cash equivalents: $4,727 (-10,967) Total retirement savings: $118,391 (-$57,019) Non-Equity… Continue Reading
So, I know I’ve talked about my love of Annaly Capital Management (NLY) for investment purposes, and not just because you need to spell it reeeeaaaaallly carefully. See that conversation here. Again, please let me know if I’m wrong about… Continue Reading
February numbers: Personal: Gross monthly W2 pay: $4,833 (no change from prior month) Net monthly W2 pay: $2,834 (no change) Total credit card debt: $21,391 (-$749) Total other non-mortgage debt: $2,096 (-$4,137) Total mortgage debt: $113,988 (-$726) Cash/cash equivalents: $14,880… Continue Reading
One of the things I always try to remember about working toward financial independence is that we’re all potentially on the path to early retirement. It’s just that some of us may not know it (a good article that sparked… Continue Reading
October numbers: Personal: Gross monthly W2 pay: $4,833 (no change from prior month) Net monthly W2 pay: $2,834 (-$95, no idea why) Total credit card debt: $10,664 (+$443) Total other non-mortgage debt: $17,300 (-$819) Total mortgage debt: $116,880 (-$720) Cash/cash… Continue Reading
Or maybe it just sucks in general. I’ll explain. No, I’ll sum up. I have used probably a dozen budgeting and account aggregation tools in my lifetime. Mint, Wealthfront, YNAB, and others provided by my various banking institutions. The problem… Continue Reading
So I wanted to do a deep dive into something I’ve learned since the beginning of the year, especially since all you lovely people helped (thanks, boo!) That is the emotional importance of recognizing your actual gross and net incomes.… Continue Reading
Ok, I lied. I have a little bit of an emergency fund – I keep $300 in my savings account, which I draw down to that amount each time I reach $1,000. I use that money to pay off more… Continue Reading
This post could also be titled ‘how Dumpling is dumb and misunderstanding something’ but I don’t think so. But please, if I’m wrong TELL ME IMMEDIATELY! I would really appreciate it. Because if I’m wrong it’s going to mean a… Continue Reading
Short answer is – dunno. Long answer (and you knew there’d be a long answer, didn’t you) is – it’s complicated. I actually think of my savings rate as two rates – pre-tax and post-tax. Because my pre-tax is easier… Continue Reading