Random Money Stuff

Just a bunch of financial things without enough for a whole post......

*  April 1st Net Worth is DOWN $3842.66 from March 1st's Net Worth.  This is mainly due to A-less than stellar stock market gains and B-we bought a car for cash.

*  Comparing our net worth(I don't count the house)with 2014 April 1st's figures we are UP $89,985.59 from this same time last year.  Two thirds of that gain is because of the retirement accounts.

*  Though we are doing well saving, personally I am still not happy with our savings rate.  Working off of straight income from Hubs, last year we saved 29+% of our net income.  So far in 2015 the savings rate is 28+%.

Who are these people who say they save 70% of their income?!?  How is this possible without either sleeping in a tent and eating Alpo.....no, not even Alpo as that's pricey.....Gravy Train!?

Where can I find someone to pay me for just being an awesome human being? ;-)

*  It looks like we will spend every nickel of Hubs bonus this year.  Between the new to-us car, having the bathroom work done and various trips we are taking this year that need funding, the bonus monies will be tapped out.  Last year by comparison we banked almost half of the bonus. 
I suppose 2015 is not a great bonus year but at least he got a bonus so I should be grateful.....and I AM!

*  I have saved $25.50 in change so far in 2015 in my Sealed Pot Challenge.  Pitiful.....

I also have received $19 in rebates and 4 Vouchers for 12-packs of Coke in the mail.  I don't hardly even drink Coke anymore!  I'd love to see more food/toiletries rebates come down the pike but since the recession "ended" 4 years ago companies just aren't putting rebating opportunities out there. sigh

*  Hubs has now decided that he will retire in 3 years and not 2 years.  This makes things a bit easier since College Boy will graduate in 3 years as well.  He still needs medical insurance until he graduates and finds a j-o-b and I don't believe Hubs retiree medical can cover him once Hubs retires.

While having Hubs retire is a good thing it still scares me.  I know we will be fine financially but retirement will be a big change financially and in other ways too.  It's something we've been working toward for so long I am having anxiety at it really being almost here.

I must say, if you/your spouse has a good paying job and has finally worked their way up the pay ladder it's kinda hard to let go of those nice regular paychecks even if you know you have enough(or will have enough)to live on after the salary ends.  8-)


Sluggy
 

December Net Worth Quickie

Just to report in that we are up $8,993.06 from November's Net Worth.
That's $5188+ on the retirement accounts and $3804+ on the non-retirement accounts and spare cash.

Off to do my $24K Savings Challenge report.

Sluggy

October Net Worth

I like to do these "snapshot" type totals on the personal net worth on the 1sts of every month.
Just take all your assets(cash,investments,loans owed to you) and subtract your liabilities(debts) and you get your Personal Net Worth.
Not very scientific but it gives me a sense of which direction we are heading in.  8-)

We are up from September 1's total.
Net Worth on just our cash and non-retirement accounts on October 1st went down $721.55 from the September 1st total.
Well that's what happens when, though you didn't spend all your month's income, you shell out a couple thousand dollars of savings on a new driveway.

The retirement accounts went up by $4,863.93 however, leaving us with an overall gain of $3,911.90 for October over our September net worth standing.

Yay us!

Since moving the bulk of our retirement money into safer more stable instruments(since we are so close to cashing out), we don't see the gains we use to on that money.  This disappoints me every month until I remember that we are being prudent and wise with the money at this stage in the game.
Not very wise to keep gambling with assets with the market so volatile.

Hubs and I had a sit-down a few days ago to see where we need to move money to.  We had some liquid cash sitting not earning anything for us so we'll move it into a CD where it will at least earn 1%......a pitiful 1%....... 8-P

How is your money doing?
Is this month better than last month or not?
How do you keep your money working for you when you aren't using it?

Sluggy