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!

Third consecutive month of decline. This time by $24k or 1.7% from September.

But this too shall pass. Things will get better 🙂

With this late of a post, we’re closer to Thanksgiving than Halloween! Not much update other than it has been a terribly mild fall so far. Activities are slower – November and December are typically our down months. I use “down” as relative to other months – we’re still out 2 nights a week.

Hope you all find something to be thankful for! We sure do – life has been good to us.

Cheer!

Net worth decreased in the second successive month, this time by over $52k or 3.5% from August.

Markets are doing what they do, and we’re riding the trough. All is good.

Expenses for September is right lower than the average of about $3.5k but that’s because we didn’t eat out or socialize as much. All due to sports ruling our lives in the month of September. We were lucky to have one evening where all 3 of us had dinner together. But it’s all our choice. We choose to be so inclined.

Fall is rather slowly descending where we are. After a severely drought ridden summer, rains have poured down in September and that has made plant life is very confused. They were ready to change color and shed their leaves early but the unseasonable rains have made them change their minds. Now, Oct 19, when typically would be past peak falls colors, this year we’re about 80% there.

Here’s a mild winter ahead (wishful thinking!). Cheers!

Net worth went down by $22k or 1.5%, after two splendid months of gains.

There’s a ton of things going on at the moment hence the late post. We had a fantastic vacation in middle of August and after we came back home, it’s kind of been a whirlwind. Fall, and fall sports, are ruling our lives. Which is a good thing 🙂

Maybe more details next months.

Hope you’re having a good autumn. Cheers!

Increase of $42k in NW last month. And we breached the $1.5m mark.

I started to type this out as “Modest increase …” but then thought, “Hold on! Even in our prime earning years, it would have taken both of us about 4 months to bring in that net income. That’s substantial!!”

Summer has slowed down for us. Which is a good thing! After the helter skelter of early summer activities, the period of mid-July to mid-August is typically the time for us to relax and travel. We’re going on a 10-day long trip in a couple of days.

Spending in July

Both groceries and eating out continue to rise. We’ve had a few times when we had friends come over to dinner and we like to cook with good ingredients. Just one meat dish for 13 people costs $75 in the price of meat alone.

Activities is another big one with some summer camps and classes.

Three of weeks and then – poof – summer’s gone!

So sit back, relax (or go about your travels) and enjoy. Cheers!

It took 18 months but we’ve breached a new high water mark in NW last month.

The last time NW was in the $1.4m was back in December ’21. The stock market has been on a tear in the past few months and it shows in our numbers. At the half-way mark in 2023, the S&P500 is up 15.6%. Up 6.4% in June alone. NW jumped by ~$78k, the most ever in a single month. Talks of recessions seems like a distant dream …or is it? Who knows?! We’ll take what is given and leave the prognosticators to fight it out, you know, with their telling of the future.

June is typically a great month for us, just for the fact that summer’s here, school is out, and outdoor activities are on in full swing. Market movements, at least the positive ones, are just the icing on the cake.

Here’s to two more months of summer – Cheers!

A tiny increase of $1.5k last month. This is the lowest change MoM, in either direction, since we have tracked our numbers.

We are building up the cash buffer and will try to get close to $100k before we close on our new place end of year (or early next year). Retirement balance dipped a bit.

Spending for May

Groceries is at a new normal while eating out is probably a bit higher. Overall spending is a right around the average of $3.5k.

Summer is going swimmingly for us. Schools are over. Outdoor activities fill our days. We enjoy the fleeting summer in our part of the world. Though it does get too hot (close to and over 90°F) some days.

Hope you are getting to enjoy the summer as much as we do. Cheers!

Net worth fell even when the markets rose last month. How did that happen?!

Read on, faithful reader(s?).

Pretty much as all investment buckets rose. Debt fell. But, cash reserve fell by a whopping $22k.

$18k went towards a down payment of a new home we are starting to build. $3k went towards taxes as Tax Day went by. $5k went towards flights, rental car, and accommodations for a summer vacation coming up. So yeah!

Wait …? What …? Rewind!

Newsflash: After about 4 years of going through various stages of just looking/actively looking/not looking at all/making an offer, we finally found the right location, builder, plan, and price to sign the dotted line.

The past month and a half have been kind of a roller coaster ride with some wild swing of emotions from exhilaration and excitement to bouts of decision fatigue and frustration. We’re not complaining though. We went down this path very knowingly and we’ll take the highs and lows of the journey. The most optimistic estimate of us moving into the new place is end of the year but likely the beginning of next year. We’ll have updates over the course of the project.

Taxes – we already had this accounted for.

Vacation – After a couple of months of closely following flight prices we finally pulled the trigger and got us tickets for an European vacation, to an expensive country. There’s about $1k more in expenses before the trip will even begin with another $2k anticipated when we are actually on vacation.

That’s about it. Wraps up a PRICEY month. Almost certainly the most outflow of cash in one month.

Weather here is getting summer-y. I type this knowing that this weekend’s weather forecast has a lot of rain and low 60s. We’ll take it.

Cheers!

Net Worth increased by ~$45k in March. The wild ride continues …

We’ve had a record breaking winter this year. Top 5 snowiest winter of all time. As I type this out on April 16, snow still continues to fall. The end is not in sight.

Here is a breakdown of March expenses.

A below average month, in terms of spending. (Which we are making up for in April – details in next month’s post).

Hope you are in nice and warm weather as you read this. Cheers!

Net Worth in February dropped by ~$24k.

Nothing good ever happens in February – the darkest and sullenest of months.

Let’s just keep it at that.

Hoping to a better March. (Though with SVB collapse that’s not going to happen. At least …we have sunshine! Before being hit by ANOTHER round of snow, to propel us to the top-5 snowiest winter – for our metro area – on record.)

All is well. Cheers!