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Bit the bullet and, after 30 minutes on hold and a brief but agonizing exchange with a retention department rep, cancelled my cable and voice plans. Down from 177.36 to 69.10 for just internet. Wish I had done it sooner.
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Jan 4, 2019 19:27
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Nocheez posted:This was a post from 2012, and lots of things have happened since then: This is awesome progress! Congrats 
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Jan 4, 2019 19:38
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They recently remodeled our local Aldi so I did my first full shop there. Found 90% of what I needed and spent $60 for a family of four. At least a third less than the other stores in town.
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Jan 4, 2019 20:42
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Just dropped $12,500 into Roth and taxable accounts. Pushing on to retirement.
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Jan 9, 2019 02:27
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howdoesishotweb posted:They recently remodeled our local Aldi so I did my first full shop there. Found 90% of what I needed and spent $60 for a family of four. At least a third less than the other stores in town. Aldi makes grocery shopping into easy mode. There are some traps in terms of junk food availability, but bring some reusable bags and a quarter for a refundable cart deposit and you're a shopping pro. spwrozek posted:Just dropped $12,500 into Roth and taxable accounts. Pushing on to retirement. Hell yeah, and cheaper than if you had done it a few months ago.
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Jan 11, 2019 04:25
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Improvement-ish 1: - We're down to 2 nice vehicles (from 4 - 3 lovely, one nice) for the first time in a long time. But at what cost? - Because truck equity There is something to be said for having two newer, nice, dependable vehicles. I had been putting a lot of money into our used cars to keep them on the road and still driving around old hoopties, I'm probably paying twice as much for a new truck as I was keeping our old cars on the road. So I took the plunge and finally bought what I wanted. Luckily, my wife's car is paid off (2017 Accord) so living with one vehicle payment isn't too bad so far. While this isn't necessarily a financial gain, it is absolutely a quality of life improvement - one less thing to stress over. The payment fit better than I thought into our budget and it hasn't been a burden so far. Improvement 2: Another improvement is a ~5% raise this year for our household. Not earth-shattering, but appreciated. Next year will be the last year of full-time daycare payments, then we're really going to feel rich with ~$600+ a month being saved.
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Jan 24, 2019 16:44
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I have saved enough to see a modest couple hundred net increase to my savings from last month. Easy street here I come.
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Feb 20, 2019 00:38
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Started to do one big grocery shopping (and thus planning dinners etc for a whole week). Slashed spending by 40% while eating better and higher quality stuff.
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Feb 20, 2019 13:05
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JIZZ DENOUEMENT posted:I have saved enough to see a modest couple hundred net increase to my savings from last month.
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Feb 20, 2019 16:29
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MrOnBicycle posted:Started to do one big grocery shopping (and thus planning dinners etc for a whole week). Slashed spending by 40% while eating better and higher quality stuff. Congrats! Meal planning is a great way to save time, money, and reduce waste from spoiled food.
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Feb 20, 2019 16:42
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Today was good... $8562.50 raise, $18000 bonus. Also about to buy a house, so not as good? Lol.
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Feb 28, 2019 01:08
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spwrozek posted:Today was good... $8562.50 raise, $18000 bonus. Congratudolences!
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Feb 28, 2019 01:27
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spwrozek posted:Today was good... $8562.50 raise, $18000 bonus. That's awesome! At least an extra $500 a month in take-home pay will make that mortgage a bit less scary.
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Feb 28, 2019 01:56
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 Paid off 5.6% of my mortgage today in one lump sum, knocking nearly 2.5 years off my mortgage.Also this is the nicest / least obnoxious calculator I've found: https://www.daveramsey.com/mortgage-payoff-calculator
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Feb 28, 2019 18:17
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H110Hawk posted:
This will always be my favorite calculator. They've changed the UI a little bit, but I think it's pretty awesome: https://www.drcalculator.com/mortgage/
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Feb 28, 2019 19:18
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Mad Wack posted:the last two years going from unemployed and deeply in debt to a much better place... one year later and now it's up 66%  these forums really helped me get my head on straight when it comes to managing money (also YNAB helped too)
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Mar 10, 2019 18:00
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God drat dude that's awesome! And I was coming here to post about how happy I am about my progress. Still going to do it though. I keep wanting to buy things (tvs, video game consoles, furniture) but I'm just pushing ahead putting as much as I can into retirement accounts and saving for a house downpayment. 
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Mar 10, 2019 18:19
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Huge progress on the NW front, guys. Sincere congratulations.
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Mar 10, 2019 18:30
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That's really good work, and it shows how much you can benefit by sticking with it.
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Mar 10, 2019 23:17
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After 3.5 months of unpaid medical leave/unemployment I have a job offer and 2.5 promising opportunities that I’m waiting to hear back on with regards to whether they want an interview. I say 2.5 because one seems like I’m somewhat under qualified but the recruiter (good recruiter, not Robert Half) thought it was worth submitting me.
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Mar 13, 2019 00:02
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Fingers crossed, Earge! Getting your head back into the game is daunting but you're gonna get it done.
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Mar 19, 2019 17:54
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Thanks. Had a phone screen for a better one yesterday, taking a break from a practical assessment right now that I’ll submit this evening. Hopefully I hear back on it tomorrow, I would love to be working next week. E: Got word back I should expect to hear a final decision on that first offer tomorrow, the director has been out of the office. Gonna let the HR lady at the place I just submitted the assessment for know about that tomorrow too. loving $70k a year WFH would be life-changing. 22 Eargesplitten fucked around with this message at 02:35 on Mar 20, 2019 |
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Mar 19, 2019 23:43
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I pushed the buttons to trigger all this a few days ago but the transactions have finally processed and I now have six months worth of savings in an emergency fund and I've set up automatic transactions to max out my IRA.
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Mar 20, 2019 18:16
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I only really have a number of small wins to make. Since going from renting an apartment to paying a mortgage on a house my total interest + taxes + transport costs are now the same as when I was living in the apartment. This will be further helped by refinancing 2/3 of my mortgage to 3.99% (which is extremely low for New Zealand). Progress but not much more I can squeeze out of my finances.
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Mar 20, 2019 21:35
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CaptainRat posted:I pushed the buttons to trigger all this a few days ago but the transactions have finally processed and I now have six months worth of savings in an emergency fund and I've set up automatic transactions to max out my IRA. awesome!
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Mar 21, 2019 00:31
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I still haven’t heard back with a final offer from that one place, but the one I really want scheduled four hours of video interviews on Monday, which tells me they’re pretty loving serious. One of the people that will be interviewing me is the CFO, who would be my immediate boss. I doubt they would spend the CFO’s time if they weren’t very interested.
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Mar 21, 2019 21:40
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Hope is the first step towards disappointment
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Mar 21, 2019 22:12
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Since I started my new job a year ago I have 2.5 times-d my net worth (not that it was crazy high to start with but still). Variously decreasing expenses/outgoings and increasing my income. Huge win for me. My one year review is next week and I just want it done so the stress-dreams about being laid off again stop. Probably gonna get a raise, not sure how much of one. I'm right about at market, even smidge above even for my experience (do always negotiate), so it's not a huge concern.
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Mar 21, 2019 23:39
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JIZZ DENOUEMENT posted:Hope is the first step towards disappointment Suck it nerd, official offer from one job at least. Only $26.50 per hour plus a $500 quarterly bonus, so I still want the other better, but it's money.
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Mar 22, 2019 21:51
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Congratulations my friend
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Mar 24, 2019 02:20
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thats it im fuckin done! 
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Mar 28, 2019 22:43
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Yeeeeeaaaaaahhhh buddy!
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Mar 28, 2019 22:47
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100 HOGS AGREE posted:thats it im fuckin done! Enjoy owing them $0.62 in interest and needing to mail them a check or something.
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Mar 28, 2019 23:07
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100 HOGS AGREE posted:thats it im fuckin done! Congrats! Goddamn I can’t wait for that same message in 8 months
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Mar 28, 2019 23:08
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100 HOGS AGREE posted:thats it im fuckin done! Huge congrats!
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Mar 28, 2019 23:40
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100 HOGS AGREE posted:thats it im fuckin done! Hells yeah
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Mar 28, 2019 23:59
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100 HOGS AGREE posted:thats it im fuckin done! Time to go buy a new car! Just think of how much more debt you can take on now!
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Mar 29, 2019 00:12
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You could even buy a house, or two. Go hog wild and take on all of the debt.
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Mar 29, 2019 00:18
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100 HOGS AGREE posted:thats it im fuckin done! gently caress yes, it's the best feeling.
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Mar 29, 2019 02:01
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the payoff amount seemed to overestimate compared to my remaining balance so I think I might get a check for like two dollars in the mail in a couple months or something
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Mar 29, 2019 02:52
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