Upward trend continued in September.

Things are looking good.

Here is our spending for September.

At this juncture – exactly two weeks before Americans go to the polls to elect the 47th President of the country – we would be amiss to mention what is at stake.

A convicted felon vs a prosecutor.

An adjudicated rapist vs a normal human being.

A con man who only works to enrich himself vs someone who has devoted her life to public service.

An openly racist and xenophobic individual vs someone who isn’t either.

A hateful, pitiful, angry man vs a big hearted, joyous woman.

An almost senile, almost octogenarian vs a sharp sexagenarian.

A misogynist who is on a spree to end access to women’s healthcare vs an advocate of women’s health.

A man who claims to be devoutly religious while peddling $60 bibles. A man who has cheated on each of his three wives; the current one with a pornstar when their child was a 3 months old.

A traitor who holds other dictators in high regard vs a senator and vice-president who works for the country.

Vote wisely, America.

Cheers!

Since we started this blog in February of 2017, last month – July 2024 – was the first time we did not publish a monthly update. 89 consecutive months of posting came to a crashing end.

One of our parents passed away in late July. A variety of health issues, combined with old age, had made the writing on the wall fairly clear. But nothing really prepares you for the 4 am phone call. Then leaving the country 7 hours later. Thirty-two hours of travel.

Anyway ….

We’re back into our school reopening mode now. I love September. The promise of new beginnings. Cool down. Fall sports. We actually went for our first kayak ride of the year yesterday.

Financially, ATH are everywhere. Markets are doing good.

Here’s to looking forward. Cheers!

Another high water mark for June.

The numbers would have been even higher if we hadn’t refinanced our mortgage. Let me explain.

When we bought our home last year, the best rate we got was 7.25%. Talks of multiple rate cuts by the Feds had us thinking that we’d refinance anyway in the not too distant future. In May, all murmur of rate cuts had died down. We shopped around for refinance rates. Got offered 5.875% by paying a bunch of points, with a lower monthly payment. But the math worked out – that is, we end up paying a lot less in overall interest, if we made the same monthly payment with the 7.25% rate.

So with closing costs and points baked into the new mortgage, the loan stood at $370k, up from the $355k at end of May.

We also paid the last tranche of payments to contractors for work around the house. This concludes all the big work that we had planned and budgeted for this year. Some of it was mandated by city code, some we wanted done. Since we moved, we have spent around $28k on material and labor, and countless other hours of sweat and wait.

Life in our neck of the woods has been pretty good. Mostly a mild summer, with lots of rain. We decided to not do extended summer travels as we’re going on (another) international trip later this year.

Hope you all are doing well, wherever you’re reading this from. Cheers!

New ATH for the month of May.

Growth of 3.9% MoM, matching the increase in February.

Spending in May

Major category was Household, where we “splashed” out $2k on a new dining set that we’d ordered, but it was back-ordered, 6 months ago! We also purchased some art from a local art fair – encouraging local artists and filling up blank walls at our new place.

June’s numbers will be …different. We have completed a couple of major projects around the house – already budgeted for. We also refinanced our mortgage. Details coming.

It has been a summer of …rain. After droughts in the past couple of years, this year precipitation has more than made up for it. Numerous outdoor activities have been cancelled due to standing water and thunderstorms. Hoping for more familiar last 2 months of summer.

Cheers!

First month of substantial “loss” for the year.

Spring/summer sports are in full swing. But the weather has been playing spoilsport. A lot. We’ve had about 4 days of outdoor activities cancelled due to rain. Things are looking good for this weekend forward though.

Till next month. Hope you all are enjoying spring, wherever you are. Cheers!

Another ATH (all time high) for March.

Spending for March

We went on an international trip straddling March and April. Travel, flights (9 in total, plus a helicopter ride!), time zone changes, pre-travel stress, post-travel jet lag ….all have contributed to our lives turned haywire for a number of weeks.

Spring has been quite wet here. Another 2 inches of rain in forecast over this weekend.

Hope you’re staying nice and warm, wherever you are. Cheers!

We breached another high water mark in February.

After one of the mildest winter on record – probably the warmest, by the time it ends – at the end of March we are in the midst of a 2-prong snow storm. Schools are likely to be cancelled for tomorrow and kids are rejoicing!

Lots going on for us. Spring activities season is starting up. We are going on an international trip for spring break.

March has shaped up nicely, in terms of the market gains.

Hope you’re having a good start to spring, wherever you are. Cheers!

A negligible movement in NW in January.

Spending was probably at an all time monthly high. We got a lot of stuff for the house and bought round trip airfares for an upcoming international trip.

Spring has made an early entry here. We’ve had 50°F days in January! That’s unheard of. A 70°F day is apparently in the forecast next week 😲

We are settling in at the new place. Hope you all are having mild winter wherever you are. Cheers!

We had some whopping numbers for the last month of last year.

In isolation, the $94k increase in FI funds is massive. But with the value of our new place being $280k more than our old place, drove NW up by $158k since November! Our NW stands at $1.66 million. Absolutely bonkers.

Winter, after being largely absent in 2023, has struck us with a fury in the new year. We’ve had multiple days of lows in negative single digits, with windchill reaching -20 to -30!!

End of year review is next.

Stay warm, everyone. Cheers!

No apologies, none whatsoever for publishing last month’s report ….two days before the current one ends 😀

We have valid reasons to not have any time. Make that a solitary valid reason.

We bought a house and moved!

And our lives, as far as we can recollect now, have been packing up, boxes, moving, unpacking, and settling down. Did I mention boxes? Yeah, right. More on that later …

Our NW increased by a whopping ~$98k last month! That’s, incredible – bordering the incredulous!

This month hasn’t been bad either.

Spending in November

Regular expenses were lower than average (~$4k) in November, only inflated by the $2k we spent on washer and dryer. This is primarily because we were setting up for the move in December and the bleeding we knew was waiting for us. We have spent over $10k this (December) month already – between hiring movers, getting rid of junk, and setting up the new place.

We will publish our yearly Incomes post in a day or two. Then the December NW post, followed by the end of the year review. The biggest question is, WHEN? Frankly, I don’t know. Hopefully, soon!

Here’s to a great year coming up for all – cheers!