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
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 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 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
May numbers: Personal: Gross monthly W2 pay: $5,375 Net monthly W2 pay: $3,616 Total credit card debt: $23,737 (+$1,125) Total other non-mortgage debt: $9,358 (-$2,062) Total mortgage debt: $153,516 (-$837) Cash/cash equivalents: $5,923 (+$359) Total retirement savings: $129,169 (+$768) Non-Equity… Continue Reading
April numbers: Personal: Gross monthly W2 pay: $5,375 Net monthly W2 pay: $3,616 Total credit card debt: $22,612 (-3,260) Total other non-mortgage debt: $11,420 (+1,384) Total mortgage debt: $154,353 (-$835) Cash/cash equivalents: $5,564 (+837) Total retirement savings: $128,401 (+$10,010) Non-Equity… Continue Reading