January 2021: Monthly Update (and Holiday Shenanigans)

January numbers: Personal: Gross monthly W2 pay:  $5,375 (no change) Net monthly W2 pay:  $3,470 (no change) Total credit card debt:  $33,645 (-$1,251) Total other non-mortgage debt:  $7,816 (+$6,460) Total mortgage debt:  $146,729 (-$857) Cash/cash equivalents:  $11,020 (+$327) Total retirement… Continue Reading

December 2020: Staggering Toward the End

December numbers: Personal: Gross monthly W2 pay:  $5,375 (no change) Net monthly W2 pay:  $3,470 (no change) Total credit card debt:  $34,896 (+$1,184) Total other non-mortgage debt:  $1,356 (-$104) Total mortgage debt:  $147,586 (-$853) Cash/cash equivalents:  $10,693 (+$781) Total retirement… Continue Reading

November 2020: Accidental Market Timing Super-Duper Helps

November numbers: Personal: Gross monthly W2 pay:  $5,375 (no change) Net monthly W2 pay:  $3,470 (+$195) Total credit card debt:  $33,712 (+$9,101) Total other non-mortgage debt:  $1,460 (-$8,367) Total mortgage debt:  $148,439 (-$858) Cash/cash equivalents:  $9,912 (+$891) Total retirement savings: … Continue Reading

September 2020: Debt Spike!

September numbers: Personal: Gross monthly W2 pay:         $5,375 Net monthly W2 pay:             $3,275  Total credit card debt:            $20,441 (-$3,041) Total other non-mortgage debt:    $10,548 (+$3,909) Total mortgage debt:            $150,146 (-$846) Cash/cash… Continue Reading

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Why I (Still) Don’t Have an Emergency Fund (Emergency Fund Series Part 1)

Someone from Money reached out to me about my ‘Why I Have No Emergency Fund’ post (I know, I’m shocked someone reads this blog too) referring to their article about high-interest savings accounts (https://money.com/best-high-yield-savings-accounts/ if you’re interested – it really… Continue Reading

August 2020: Stable, But Not Exciting

August numbers: Personal: Gross monthly W2 pay: $5,375 Net monthly W2 pay: $3,275  Total credit card debt: $23,482 (-$1,925) Total other non-mortgage debt: $6,639 (+$113) Total mortgage debt: $150,992 (-$844) Cash/cash equivalents: $8,165 (+$495) Total retirement savings: $152,200 (+$5,395) Non-Equity… Continue Reading

July 2020: Spending Whoopsy-Daisy

July numbers: Personal: Gross monthly W2 pay:         $5,375 Net monthly W2 pay:             $3,275  Total credit card debt:            $25,407 (+$1,571) Total other non-mortgage debt:    $6,526 (-$1,420) Total mortgage debt:            $151,836 (-$841) Cash/cash… Continue Reading

June 2020: Some Positive Signs

June numbers: Personal: Gross monthly W2 pay: $5,375 Net monthly W2 pay: $3,275 (-$341) Total credit card debt: $23,836 (+$99) Total other non-mortgage debt: $7,946 (-$1,412) Total mortgage debt: $152,677 (-$830) Cash/cash equivalents: $7,022 (+$1,099) Total retirement savings: $139,560 (+$10,391)… Continue Reading