I must admit, dear readers, that I almost didn't write this update. In fact, I almost didn't write anything. I kind of felt like walking away. School, work, and the daily stresses almost had me hanging up the keyboard. Instead I decided to keep going. I mean, I've only been at this for a little over a year and I figure I have at least forty left in me (that is a joke, there is no way I actually have forty years left in me).
SO without further procrastination...
Mint says my current net worth is...
That is a difference of...
+ $ 1735.25
After posting a huge negative jump last month we improve almost 2k this month. Not too shabby. Lets take a look at those accounts to see what's crackin.
1. Emergency Fund $7,467.31
2. Checking $1471.16
3. Car Account $1370.70
4. Chase Sapphire Preferred -$0.00
5. Wife's Card -$0.00
6. Mortgage - $156,410.14
7. Wife's 401k $16,735.74
8. My Roth $607.37
9. My 403b $8,912.44
10. Wife's Car $7,129.00
11. My Car $2,218.00
We managed to save money during the month of October even though we dropped nearly 1k on new tires and wheels for my car. You might wonder why I did this...I mean my car is barley worth 2k so why would I pour almost fifty percent of its value into making it run reliably. Well I fully believe that the cheapest car to own is the cheapest car you own.
In other words I don't want to spend the time shopping around. My old wheels were alloy (new ones are steel) and they developed a leek around the seal. Last winter I spent half my time driving, and half filling up leaking tires. ANNOYING! The wheels had corroded so badly that cleaning and resealing the wheels did not work. So this year I broke down and bought new steel wheels and tires. I hope that this winter, and the lack of time I spend airing up my tires, justifies my purchase.
Another big reason we didn't go car shopping is that WE CAN'T AFFORD IT! Sure, we could probably get a car payment if we wanted, but we never want that again. Ever. For any freaking reason. We only have $1300 saved so far to replace our car, and I don't want to buy a $1300 dollar car if I can avoid it.
1. Read ten books by the end of this year: 3/10. Another month creeps by and yet no books read. I did recently receive a copy of the legacy journey and I am currently reading that. I blame youtube for my failure though. Darn those funny cat videos.
2. Savings: Back up to 7k. Still got about 8k to go until we are finished with our goal.
3. Retirement: I think that I am going to not invest in an FSA this year since I barely used it this past year. I probably will take that money and instead divert it to my 403b. It will pretty much have the same tax implications and I will be investing more which will be a plus.
4. Masters: I just finished up two more classes and the grades are pending. I hope the profs got the attached fifty dollar bills on my finals;) jkjk. Now onto one more class and I will be done for the year.
5. Devotions: I would like to report that I have been doing these faithfully, but I haven't...but I have picked it up in the month of November and will likely has a positive report next blog posting.
6. Blog Posting: Well despite the fact that this post almost didn't exist, here it is. Even though I've felt pretty down lately, and I have been failing at my goals I refuse to quit. I think it was Lombardi that said a man who refuses to quit is never defeated, but I'm not really for sure. I also don't really want to look it up...
So that is your homework for the week. Look up that quote, memorize that quote, and execute on that quote.