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Devian666 posted:I seem to have blown through my goals accidentally. House prices in my area are up with the current growth, just a bit more than I thought would happen when I bought last year. My net worth target increase for this year was a $20k increase but it has gone up $7k from income and $35k from the increase in value of my house. Due to events outside of my control a slip happened on my property. I've got a small insurance payout to go towards it. I need to build a retaining wall so some of the costs will set me back but it will add value to my property. I don't have any choice which is frustrating but it's not a major set back. By the end of the year I will have blown through the stretch goal but invested in my house. Non-house investments will need to wait until next year.
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Sep 17, 2015 21:05
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Had to brag somewhere: 2015 February: Paid off the remainder of my car loan. Today: Paid off my first med school loan while still in residency. 
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Sep 17, 2015 21:51
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balancedbias posted:1-401k contributions are automated, so this is on track. So, the great news is that the retirement accounts are fully funded, so those goals are met! That's 1,2,3. For #4 the old 8606 forms are sent to the irs. We just have to foot the tax bill, and we already have that set aside. #5 is a bit E/N, there was a miscarriage, so no change necessary for now. #6 and #7 remain unchanged. Ironically, #8 may happen anyway if there are no major changes for the rest of the year. This year has included some major personal milestones and heartaches, but the financial ship is sailing steady thanks in part to bfc.
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Sep 19, 2015 13:09
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So sorry to hear that, bb. Condolences on your loss. And well-earned congratulations on your first three goals.
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Sep 19, 2015 16:49
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Christ Pseudoscientist posted:Financial Goals: 1. Roth IRA will be maxed in December with my last 458.33 contribution. I added enough money last week so that my January contributions will start funding my 2016 Roth IRA. 2. I'm at a little bit over 50k now. I am on pace for 100k much faster than I would have anticipated a year ago in just my retirement accounts. Goal #3 being completed is really helping me out. 3. I actually paid off my student loans this year but I can't take credit for it since it came from an inheritance. 4. I am still saving $500 a month towards the wedding for next August and my fiance's parents are paying for most of it. 5. This is probably not happening this year. I am not living paycheck to paycheck by any means but my budget is much looser and kept mentally than I'd like it to be. 6. Was completed awhile ago Still working on my non-financial goals but overall 5 out of 6 is pretty good I'd say.
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Sep 22, 2015 14:15
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Moneyball posted:Update time with some good news about the car loan. As the third quarter comes to a close, my situation is embarrassing, as I have essentially made no progress with my net worth from my original post at the beginning of the year. Still hovering in the high 20s. I've found new and creative ways to cost myself and waste more money. 1. 2014 IRA maxed, not contributing for 2015. 2. Traded my old car, currently have a 2014 Hyundai Elantra. $14,250 @ 7.29%. This is my priority. 3. Still paying minimum. $27,000 to go. 4. Planning to stay for one more year, get my CPA, and bolt next September. 5. Nope 6. Contributed about $1,500 to my HSA so far. Will max this out for 2015. I went from 29,000 in the red to 19,000, and back to 29,000. I think I'm done loving around, though. I hope to have that car paid off by the spring. After that, my student loans are next.
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Sep 29, 2015 04:11
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quote:2015 Goals: (In order of priority, highest to lowest) End of 3Q2015 Update #1 - Still good. #2 - STRETCH GOAL COMPLETE. Thanks to this month's progress on goal #3, the entire student loan will be gone when the royalty check for September comes in. This was my biggest financial goal for pretty much the decade, so BAM, HOORAY. #3 - Rough waters are definitely rough, and I still don't think I'm going to hit the $91K revenue. I'm at $77K revenue now, but Amazon has seriously hosed everything up. However, I just turned a $16,000 month in book sales. When the royalties turn over in November, the last of my wife's student loans are done. #4 - On pace. I got a massage in September and tried to get more sleep. #5 - Job applications are flying again and I'm in talks with recruiters. Time to leave this job.
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Sep 29, 2015 13:56
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Moneyball posted:As the third quarter comes to a close, my situation is embarrassing, as I have essentially made no progress with my net worth from my original post at the beginning of the year. Still hovering in the high 20s. I've found new and creative ways to cost myself and waste more money. Why do you think this is? Have you considered starting a thread to ask for help/accountability?
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Sep 30, 2015 13:19
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Moneyball is just starting to fix up debts, and interest paid is an issue. http://forums.somethingawful.com/showthread.php?threadid=3256838&pagenumber=290&perpage=40#post450778822
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Sep 30, 2015 19:59
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pig slut lisa posted:Why do you think this is? Have you considered starting a thread to ask for help/accountability? No, it's not so much my habits on a daily basis, other than spending a little too much on prepared food vs groceries. I don't have any (other) costly habits like smoking or $5/day on coffee. It's big things. I actually do pretty well in saving and repaying debt, but I'm dealing with issues from 2014. I overpaid and then subsequently dumped a lot into the car I bought last year. I took a loss to switch to the car I have now, and overall sunk a lot of money. I'm stress-free about my car situation now, though, because I don't worry about anything breaking and I'm not trying to chase anyone down to pay for repairs (long story). I've closed the book on it now. I also took on more student loans but won't be returning to that school (though I'll transfer those credits elsewhere) Combined with my first real vacation since.. well, ever, I'm right back where I started in January. Despite that, I can see the next several months being similar to how I started the year. Chipping away pretty rapidly at my loans. I won't be taking on any new debt, other than CPA exam-related prep costs, and my expenses are real low. I don't spend too much, so it leaves a lot leftover. Barring any catastrophe, I should be able to pay off the car in six months, using my tax return, then start working on my student loans. I should see real progress with my net worth. Moneyball fucked around with this message at 22:21 on Sep 30, 2015 |
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Sep 30, 2015 22:13
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Awesome. Sounds like a great plan.
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Oct 1, 2015 02:34
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spwrozek posted:My goals really took a turn the last couple weeks for next year. I hope to have some time to revisit them in a few weeks but generally here they are: 1) Done 2) Good enough, so Done 3) Not a problem 4) On the second roommate this year so going well, should be here until June next year 5) I put mine on the back burner and am concentrating on what I agreed to pay on the ex's. My goal will be to have it all paid off by the end of next year. 6) Not going to happen as I am concentrating on #5 (it is a 1.9% loan so not too worried about it) Q4 goal: Spend under $4000/month, $1000/month extra on the student loans, $1000/month to savings. At year end look at my accounts and decide what to do with cash on hand Girlfriends can get kind of expensive sometimes...
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Oct 1, 2015 05:39
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Goals in progress: July: $325 on car loan. August - September: $300/mo. October: $400. November & December: $550. This would bring my average back up to $400/mo for the year.  (Min. payment is $299.)Progress: $325 paid in July, August, and September. $425 for October. Better than the goal so far! Get my $6k of student loans forgiven. Progress: After 6 months of back and forth, this is DONE! Happy dance. No student loan debt. Have a positive net worth for each month in 2015. Progress: Negatory for September. Paid my October 1st tuition, which is more than I make in a month. But I paid in cash so yay! No credit card debt! Progress: So far, so good. Take on no student loans! Progress: Done! Paid my October tuition in cash. Saving up for April tuition now. Completed Goals: Save up enough for a couch and bed frame, as I don't want to take mine. [/quote]
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Oct 1, 2015 14:37
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Blue Scream posted:2014 was a mixed bag. In January I got my emergency fund built to 5 months' worth of expenses, was giving monthly to charity and contributing to my Roth...then this summer I spent twice the money I usually spend while I was relying on half the income (dumb E/N stuff). It put me way behind in my plans. 1. Saved up the $3K and made it through summer without a hitch. 2. Didn't get as much summer work, though, so I wasn't able to save additionally from May-September. Socking away $650/month for the car now. Here's hoping my current one hangs in for 1-2 more years. 3. Contributed $1,100 to my Roth when the market crashed a few weeks ago, because thrift shopping is awesome, and am contributing $100/month from here on. Small change but I guess it helps. 4. After talking to a Fidelity rep, decided to leave this account where it is for now. 5. I've been slacking off on this one, but I've finally made a budget on Mint.com and will hopefully be able to track all my expenses much better with that. Looks like I'm gonna get that promotion Additional news This wasn't one of my original goals, but after some uncertainty at work I decided to assess my monthly expenses more honestly (I was under-estimating before) and save up for six months' minimum for my emergency fund. I took everything that was left over after I made it through summer and put it in a separate online savings account. I had about $7,400 in there before, and now my goal is $10,500. I'm almost there  Also putting aside a little bit every month for Dragon Con next year, because I always spend more than I think I will, so I might as well budget for it. Who needs Christmas?
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Oct 1, 2015 17:02
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I was looking over my YNAB reports, and while it isn't pretty, in some ways it's encouraging. Since I started tracking everything in April, I am actually in the red by $443, though the next paycheck should fix that. So 102% of my income has gone right back out. However, the breakdown is: Expenses/Spending: 34.3% Debt repayment: 65.7% I consider debt repayment a form of savings (is that wrong?) so that's a 65% savings rate. Once I finally have my loans paid off, I should be able to really put some money away. I'll likely have an even better job at that point, so things look pretty bright in the next couple years.
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Oct 2, 2015 01:34
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I've considered (principal) debt repayment as counting toward my savings, as it's increasing my net worth. I counted the interest portion of my payments as an expense, though.P.D.B. Fishsticks posted:Reduce dining out spending to $150 every paycheck (two weeks).  I'm still doing well – my year-to-date average is $126 per paycheck. P.D.B. Fishsticks posted:Finish paying off my student loan by the end of June. Completed. P.D.B. Fishsticks posted:Save up enough for an overseas vacation by the end of the year. My sister just moved to Germany last month, and I'd like to take her up on her invitation to come stay with her for a couple weeks. Given the schedule of the project I'm on at work, I probably won't be able to actually take two weeks off until early 2016, but I'd like to have the money saved up by the end of this year. Back of the envelope calculations tell me I'll need to save about $3250 (no lodging expense, but a lot of margin for error built in for the other expenses). Hopefully I'll be able to cut that down by cashing in some frequent flier miles, but I'd rather save too much and be pleasantly surprised, so $3250 seems a reasonable goal. If I can get the student loan paid off by June, I figure I can immediately start throwing the amount I was putting toward it into a savings account; anything left over will likely go to extra payments on the car.  Progressing well; I'm now at $2194 saved, and I've used some of that to buy the transatlantic flights. The vacation plans have changed a bit - my girlfriend will be coming along, and we'll be going to more than just Germany, so I'll have some hotel expenses and twice the expense on flights. However, we're also pushing the vacation to the end of March to give us time to save, and I was able to get two of our four transatlantic flights on miles. Right now, it looks like I'll need to save about $6000 by the end of March (depending on exchange rates), but the needed savings rate doesn't change, so I'll keep my end of 2015 goal the same.
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Oct 2, 2015 02:52
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Debt payments are not savings. You are paying for something that you didn't have the money for at the time. It is ridiculous to think of it as savings, come on.
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Oct 2, 2015 04:15
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pig slut lisa posted:July 2015 update: September 2015 update: -Max out both Roth IRAs and my 457(b) Status: On pace. Roth IRAs are maxed. My 457(b) is at $15,000 in contributions for the year and should hit $18,000 at the end of November. -Have wife begin contributions to TSP at new part time job Status: 98% sure she is contributing enough to get the full TSP match. It's not a huge amount of money since she's still working part time, but once she graduates in May she'll go full time. I'm sure one of the 2016 goals will be to try and get her as close as possible to maxing her contributions during the last 7 months of 2016. -Increase frequency of grocery shopping trips made by bicycle instead of car, especially between April and October Status: Our CSA ended early and we got a refund check of $50. Will probably bike to the farmers' market a couple more times to buy from other farmers, although the season is rapidly drawing to a close. Now is the time of year when biking to the grocery store gets tougher, so I'm going to try to bike to the grocery store at least twice in October. -Keep home alcohol purchases below $50/month January total $17.99 February total $43.47 March total: $46.28 April total: $35.50 May total: $42.66 June total: $45.79 July total: $73.45 August total: $45.00ish September total: $45.00ish Monthly average: $43.90 I'm quite confident we stayed under $50 each month, but I did a bad job tracking precisely -Designate a purpose for the few thousand we should be getting back in our federal tax refund. Leading contenders here are starting a 529 or holding the money in savings for a lump sum boost for the 2016 IRA cycle. Started a 529 in August when the market dropped, initial contribution of $2,000. Not even gonna check it til maybe next fall if we have more money to chuck at it. -Devise a plan for earning enough points/miles for free international business class airfare and at least 4 free hotel nights for a 2016 international vacation. This is going great. Still no plans made but I have approximately 95K Chase UR points, 100K Amex MR points, 165K AAdvantage miles, 58K Alaska Miles, 55K BA Avios, and decent balances with IHG and Hilton. My wife also has a decent balance in several programs, including 75K Amex MR points, 200K AAdvantage miles, and 50K Alaska miles. I'll probably one more update before the end of year check in. I'm very pleased with everything so far this year. Next year's goalsetting will be more of a challenge since we'll be getting a big income bump partway through the year and my tax situation remains screwy so who knows what my refund will be.
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Oct 2, 2015 04:47
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July is hot! Running average is still under $50/month though. And most importantly we haven't bought a bottle of liquor for the house all year. No $20 whiskey, no $60 scotch, no nothing. So I'm proud of us for putting that expensive hobby to bed.
I need to set up my wife's next round of credit card applications in a couple weeks.
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Totally TWISTED posted:Joint/Married household - This has not been tracked well, my wife had an additional student loan come into play. We have been paying the full payments and on the next point... - Did this! - Emergency fund exists as a result of selling the house we were living in, buying a larger house/land in anticipation of having kids soon combined with the high local real estate prices where we were living. Put 20% down on the new place (from 0% down at the house we sold), spent a chunk on moving + some new furniture/etc, have money in savings, our mortgage payment is only $200 more a month. - After discussing with my parents this was put on hold and I now have a Roth IRA with $2500 in it (both myself and my wife are woefully behind any retirement savings - at least she has a 401K). - Business is on track, need to work more on marketing/sales push to get growth to the level of being it's own business so she can stay at home/quit the day job. - As a result of buying our new place and selling the place we were living in, this has been put on the back burner till the spring. At least the rental payments are mostly on time.
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Oct 3, 2015 19:50
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District Selectman posted:Well I lost money this month. $173k to $164! Thanks China! The crazy thing is I "saved" $10k in cash this month, but I lost $19 in investments. Deep down I know this is cool and good but it's making my posts ITT less cool and good. Back up to $178k. God drat it I will make it to $200k this year !!
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Oct 9, 2015 17:29
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Same as my previous update, more or less 2015 Financial Goals Update
Non-financial goal(s) Update
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Oct 9, 2015 18:13
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Popping in to brag that what I thought was going to be a 2016 goal is now done. All student loans have been officially paid off as of two weeks ago. The last closed account letter will go with the rest of them in my mementos box. In shittier news, my new goal is to replenish the emergency fund after spending it all unsuccessfully trying to save my cat last week. We all thought it was complications due to his heart disease and maybe something he ate, but no, it was just super aggressive cancer. Had to put him down as there was no way to comfortably help him...doing my best to not stress-spend too 
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Oct 13, 2015 05:08
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District Selectman posted:Back up to $178k. God drat it I will make it to $200k this year !! You should be glad when stocks go down: Warren Buffet: "But now for the final exam: If you expect to be a net saver during the next five years, should you hope for a higher or lower stock market during that period? Many investors get this one wrong. Even though they are going to be net buyers of stocks for many years to come, they are elated when stock prices rise and depressed when they fall. In effect, they rejoice because prices have risen for the "hamburgers" they will soon be buying. This reaction makes no sense. Only those who will be sellers of equities in the near future should be happy at seeing stocks rise. Prospective purchasers should much prefer sinking prices."
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Oct 16, 2015 13:58
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P.D.B. Fishsticks posted:Reduce dining out spending to $150 every paycheck (two weeks).  Earlier in the month, a pipe in the apartment above mine burst, soaking my carpet and forcing me to spend a few days in a hotel while my landlord fixed it. Supposedly, the check's in the mail for reimbursement for the hotel. Regardless, a couple nights extra of eating out put me a little above where I ought to have been one pay period. I made up for it the following pay period and my average is still good for the year. P.D.B. Fishsticks posted:Finish paying off my student loan by the end of June. Done. P.D.B. Fishsticks posted:Save up enough for an overseas vacation by the end of the year.  My savings rate went down a little because of having to float the hotel bill during the above carpet flooding, but I'm still doing pretty good against the vacation goal. I also went ahead and prepaid most of my hotel rooms out of the vacation savings I've saved already – I'd rather lock in the exchange rate now rather than trying to budget around a changing exchange rate for the largest expenses on my trip.
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Nov 1, 2015 16:47
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Original post | February Update | April Update | July Update | September Update 3) Drop monthly food spending from $430 to $380 -- September and October were awesome, wherein I spent about $222 and $240 respectively. Used a lot more home cooking. My average is now down to about $330 on the year. 5) Update resume by April, shop myself around if I don't get an April raise -- Well things got a little worse. I got passed up for a raise this year, so I'm a little disappointed in my own performance. And I still haven't even glanced at the PMP cert courses. I am even more of a failure here than in September's update. 6) ESPP: Use 1 & 2 to cover Roth IRA and ESPP tax burden, use 3 & 4 to put in extra mortgage payments/increase charitable giving/etc. -- I finally started my investment in LC using their automatic investment functions. Haven't made any more extra mortgage principal payments since once in June. I was hoping for a modest raise in October to allow me to put a little more toward charity and taxable investments this year, but since I didn't get one (see #5), I haven't formulated exactly how much I'll be giving during our big fall giving campaign this month to various charities, including the non-profit I helped found. I'll probably give more to my own 501c3 just for the hell of it regardless, because the latest peak into my accounts shows I have a little more cash on hand than expected, even before my last ESPP purchase and sale which will happen over the next week or so. 7) Stretch goal: Establish side business for martial arts consulting -- Still haven't pursued this any further since May 8) Buy new computer parts for a full rebuild ($800-1300) -- spent net $600 now that I sold that last remaining $100 worth of old parts to a coworkers. As I said before, it's not as powerful or feature-rich as I had been planning to get, but the price was right. If and when I eventually get into newer games again, I can look at upgrading video card then. But it may not even happen for a few years, who knows.
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Nov 2, 2015 01:55
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November update! 2015 Goals: Increase my gross income to $75k. Blew this one away with a surprise promotion late this year. Should be sitting pretty in the mid 80s once my tuition is reimbursed. Add at least $15k to my 401k and max my Roth IRA. Both will be maxed out this year! Somehow decrease my housing expenses, either by moving or otherwise compensating my current landlord in some way. I moved, and am saving about $100/mo on rent. However... my expenses actually went up, thanks to a longer commute and the fact that my landlord misled me about utility costs. Looking at $20-40/mo in increased expenses. Oh well, at least I have a private bathroom and room for a desk now. Maintain a girlfriend without driving her nuts with frugality. Success! We're both on board the savings train, and she's actually probably even more conservative with spending than I am. Maintain good grades in school; B or higher gets me back 100% of tuition costs! Successful so far, but one class is very poorly run with exactly zero feedback in 2.5 months, so we'll have to see. edit: This is a stretch goal, but add $10k or more to savings. I'll be mentally and financially ready for a house purchase by 2017, I think. Currently sitting at $9,900 contributed, with 2 months left in the year. Yeah, this'll work out. 
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Nov 3, 2015 21:44
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Not a Children posted:November update! Sounds like you're doing really well! Can I ask what field I'm in that pays you $75K/year while you're in an academic program that it's paying for?
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Nov 4, 2015 14:22
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Thanks! I'm in electrical power engineering, working for a civil consulting firm of ~1000 people that has been doing very well over the past few years. I think I have a little extra leverage in that I'm one of just a handful of electrical engineers in a company of mostly civil/environmental engineers, but other than that I was just very lucky to end up with a company that treats its workers well and wants to invest in its staff. My only qualifications are about 3.5 years work experience and my BS in EE, but I should see further bumps in pay after passing the FE, PE, and finishing the Masters' (assuming my program doesn't lose accreditation, which it just may if it has more classes of the quality I'm currently experiencing). After that, I assume my pay more or less plateaus unless/until I break into management.
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Nov 4, 2015 16:43
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fuzzy_logic posted:Goals for next year, by priority: This'll wrap everything up but whatever the final numbers end up being. As I said I switched jobs to one where I make 4000 less a year gross, plus 7% being removed for a pension leaving me at around 10k less gross than I used to get. This has necessaitated changing my budget and I ran up my credit card a tad, but I'm feeling good about it. As for actual goals: budget - set up a new one and am sticking to it - DONE deposit - DONE old deposit - NOT DONE, old roommates skipped town because they suck and I decided nto to both chasing them across state lines smallest loan - DONE e-fund - NOT DONE, got up to 5k and may get a little higher by the end of the year retirement - DONE, out of my hands since I have a sick pension now highest loan - NOT DONE, ended up significantly lower but not halved as I'd hoped for. My total student loans are going to drop below 50k this month which is VERY EXCITING etsy stuff - NOT DONE So on paper I didn't do so great but my goals kinda shifted significantly partway through the year. Once I pay my credit card down I'll shift back to getting tough on those loans and the e-fund.
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Nov 8, 2015 06:10
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Bit late to the party but Non financial goal - Get into graduate medical school (in Australia) - SUCCESS Financial goal - Save another 5k before the end of the year - TBD. Next years goals will involve trying to minimize using my savings to live. Seeing the debts of some American medical students makes me glad I'll only have 60k debt at the end (20k from a grad diploma, 40k for med degree)
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Nov 9, 2015 07:57
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Claverjoe posted:Holy howling hell, 39k for post tax income? Impressive. *Edit* I thought that was per month. Oops. So, overall, I did "ok," but definitely not anywhere near "good". Still have 4k in credit card debt Got a new car, but at least it isn't a deathtrap. Student loans are ~16k now. No retirement account (nooo!) Living 1000 miles away from your spouse sucks, and flights are expensive. On the positive side, long term, she graduates with no med school debt (hooray MD/PhD.), and I'll be saving an extra $600 a month in travel related expenses come this time next fall when she moves to where I am to do interviews for residency and the occasional visiting rotation. Flights, dinners out when I see her, and buying groceries for a wife who works 14-18 hour days all add up to a hell of a lot. At least I have cash for an emergency and to cover our honeymoon expenses this December. Oh well, it's all looking up in the long term, just gotta tread water and pay down credit car debt as I can. New goal is to start tossing in that $600 a month travel costs into savings when she moves here. Good god, living apart from your spouse is expensive. That's my lesson from this year.
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Nov 22, 2015 17:30
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Claverjoe posted:Living 1000 miles away from your spouse sucks, and flights are expensive. On the positive side, long term, she graduates with no med school debt (hooray MD/PhD.), and I'll be saving an extra $600 a month in travel related expenses come this time next fall when she moves to where I am to do interviews for residency and the occasional visiting rotation. Flights, dinners out when I see her, and buying groceries for a wife who works 14-18 hour days all add up to a hell of a lot. At least I have cash for an emergency and to cover our honeymoon expenses this December. I hear you on this, and I haven't even had to live it. My wife is finishing up a PhD here in town and for awhile it was looking like she was going to do a two year postdoc elsewhere. I really like my job and the postdoc location was not going to be a long term settling spot for us, so we were preparing to do the long distance thing for awhile. No flights would have been involved (4 hour drive instead) but I was looking at the potential budget hit and not pleased with what I saw. Fortunately she ended up getting a job with a federal agency locally, so she'll be starting that in May/June. We can both keep biking/busing to work and saving a ton. Where are you going for your honeymoon?
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Nov 22, 2015 18:35
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Devian666 posted:I seem to have blown through my goals accidentally. House prices in my area are up with the current growth, just a bit more than I thought would happen when I bought last year. My net worth target increase for this year was a $20k increase but it has gone up $7k from income and $35k from the increase in value of my house. I noted earlier that a slip happened on my property which means I can't invest in non-house assets. I will be building a retaining wall costing over $60k which will exceed the above goal and it will only be partially levered with the revolving credit account on the house. It's not what I'd planned but it's essential work. It looks like next year will be the year to diversify into other financial instruments.
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Nov 22, 2015 19:44
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pig slut lisa posted:
Maui, gonna hike that crater, spend some time in a cabin and go stargazing in a (hopefully) clear sky, then go be the stereotypical Hawaiian tourists and do beach-y stuff. Very excited, just got back getting some quality hiking boots. They are really nice and all, but $150 per pair ain't cheap. It is probably cheaper than the park rangers doing an extraction of a dumbass getting a rolled ankle, however. Congrats on not doing long distance marriage. It's no fun when flirting consists of "Hey baby, do you have a weekend free next month, I can buy some plane tickets". The Dipshit fucked around with this message at 01:51 on Nov 28, 2015 |
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Nov 28, 2015 01:48
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Claverjoe posted:Very excited, just got back getting some quality hiking boots. They are really nice and all, but $150 per pair ain't cheap. It is probably cheaper than the park rangers doing an extraction of a dumbass getting a rolled ankle, however. Proper hiking boots at $150 are minimum essentials in my mind. I'd also recommend proper in-soles. Your toes shouldn't touch the inside tip in a steep downcline.
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Nov 28, 2015 04:02
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Claverjoe posted:Maui, gonna hike that crater, spend some time in a cabin and go stargazing in a (hopefully) clear sky, then go be the stereotypical Hawaiian tourists and do beach-y stuff. Here's my copy paste for Maui: If you're anywhere near Lahaina, both of the ends of town have cheap dinner options. Spanky's bar is a fun sports bar at the 505. On the other end of town, a new pizza place just opened up and has ocean views with super cheap good pizza. Thai Chef is cheap and BYOB, so hit up Foodland for a bottle of wine before going there. Star Noodle is another good option. If you want fancy and more expensive, Mala's is good if crowded. Pacific'o is probably the best expensive dining on that side of the island. For snorkeling, Airport beach is always awesome. I think the real name is Kahekili beach but everyone knows it as airport beach. Black Rock at Kaanapali is also good snorkeling. If you want to swim with turtles, there are always a couple around at the bay here: https://www.google.com/maps/place/H...2abf1fa9ee6c9f8 Or if not, they're just over at Napili bay, one bay to the right. They are big and old and very friendly. You can park on the street and walk through the Honolua condos to get to the bay. The best access point is on the right of the bay if you're looking out to the water. You go over some bushes/caution tape and can enter down on the rocks. A bit tough but totally worth it. Little beach is the best for boogieboarding and smoking weed, it's also the naked beach so be forewarned!
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Nov 29, 2015 07:19
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Go to Maui brewing co. If you like beer. Excellent beer, like 23 different ones on tap at any given time, and pints are $3 if you wear something with their logo on Wednesday.
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Nov 29, 2015 14:08
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Update time! Goals for 2015 1) Get through our wedding in May without taking on debt (~$3,000 left to spend) - Done and done. We spent $23,000 on our wedding, paid all in cash. Friggin' awesome! 2) Pay off the new wife's new to us car (~$15,000 left to pay) - Not even close. We're making the regular payments on it so there's no problem but we're not going to have it paid off this year. 3) Start saving for retirement again - Nearing completion. Started contributing to the 401k up to my employers match but we're also in the process (and hope to have the keys by the end of December) the purchase of our first rental property. Really excited (and terrified) to be doing this.
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Nov 30, 2015 01:54
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Possibly a dumb question; but about ready to start posting ITT and just realised, you guys are all doing goals for the financial year aren't you, not calendar. I'm in Australia so fin year is July 1 to June 30 but ive mentally been doing goals for calendar year
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Nov 30, 2015 07:17
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Baja Mofufu posted:Goals: Update time. 1. Done. 2. Done, I'm working part time until the end of 2015 when I'll take a year off to spend with my daughter. 3. Done, 529 opened with Vanguard. Set up the link for grandparents to donate, which is working nicely. ESA opened at TD Ameritrade and maxed for 2015. 4. Fail. The 2015 tax bill set us back $12K, and I haven't been keeping up with this at all. So far we've put in about $10K. We will not make this goal, but if we can do $15K I'll be happy. Should be possible since more than half of the difference is sitting in our checking account. Babies are too distracting. Overall I'm comfortable with the amount we spend on the baby. I'll update at the end of the year with how much we saved in goal #4. Otherwise I count this year a success.
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Nov 30, 2015 07:48
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