March numbers: Personal: Gross monthly W2 pay: $5,375 (no change) Net monthly W2 pay: $3,373 (no change) Total credit card debt: $29,803 (-$2,942) Total other non-mortgage debt: $12,145 (-$937) Total mortgage debt: $145,011 (-$860) Cash/cash equivalents: $12,492 (+$211) Total retirement… Continue Reading
February numbers: Personal: Gross monthly W2 pay: $5,375 (no change) Net monthly W2 pay: $3,470 (no change) Net monthly W2 pay: $3,373 (-$97) Total credit card debt: $32,745 (-$900) Total other non-mortgage debt: $13,082 (+$5,266) Total mortgage debt: $145,871 (-$858)… Continue Reading
I’m sure everyone has seen the story about Gamestop and others in the past few days. I’m sure everyone will see more in the next few days and weeks. If not, here’s just one of the dozens of stories. I… 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
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 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 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
October numbers: Personal: Gross monthly W2 pay: $5,375 (no change) Net monthly W2 pay: $3,470 (+$195) Total credit card debt: $24,611 (+$4,170) Total other non-mortgage debt: $9,827 (-$721) Total mortgage debt: $149,297 (-$849) Cash/cash equivalents: $9,021 (+$352) Total retirement savings:… Continue Reading
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
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