July numbers: Personal: Gross monthly W2 pay: $5,375 (no change) Net monthly W2 pay: $3,373 (no change) Total credit card debt: $38,293 (+$2,638) Total other non-mortgage debt: $17,406 (+$1,248) Total mortgage debt: $220,886 (-$1,000) Cash/cash equivalents: $8,962 (-$1,033) Total retirement… Continue Reading
April numbers: Personal: Gross monthly W2 pay: $5,375 (no change) Net monthly W2 pay: $3,373 (no change) Total credit card debt: $32,741 (+$2,938) Total other non-mortgage debt: $12,145 (-$937) Total other non-mortgage debt: $10,954 (+$1,191) Total mortgage debt: $144,149 (-$862)… Continue Reading
So if an emergency fund is a racket and BAD IDEA (as thoroughly covered here and here) what do I do? I don’t keep an emergency fund, but I do keep quite a bit of accessible funds around. These aren’t… Continue Reading