September 2022 Financial Update:

September was uneventful really. We just worked and spent time with friends, that’s about it. We also started some of our annual fall traditions such as going to the pumpkin patch, baking cookies, watching Harry Potter, etc.

As for our finances, our investments went down some more, our savings account went up by $1,000, and our mortgage went down by about $700. So overall, good. We care most about becoming debt free & building our savings account again for now.

We do have some medical & dental bills for Brandon & I, but it’s not a huge amount and we’re not worried about paying them off because there is obviously no interest and we would rather build up our savings again.

Our Partial Financial Independence Goals:

  • $0 Debt.
  • Brandon works part time at his job.
  • We need $2,000+/month in income, whether that comes from investments, Brandon’s part time job, my blog, etc. it doesn’t matter.

Our Current Numbers as of September 30th, 2022:

  • Roth IRAs (Betterment -SRI Sustainable): $23,841 and $21,797
  • My small Traditional IRA (From an old 401(k) rollover -Betterment): $1,560
  • Tesla: $784 (gambling -IMO)
  • Bitcoin: $534 (gambling -IMO)
  • Total Invested: $48,542
  • Savings: $5,321
  • Debt: -$115,572 (Mortgage only) -On track to be paid off by end of 2034, will most likely be paid off sooner.
  • Brandon is working full time and I am working about 20 hours/week.
  • My Financial Planning Workbook!
  • ThriftBooks -I LOVE them as a company & order all of my books from them now! They ship super fast, great service, books always show up as described, super cheap, & good for the planet because they’re second-hand, but you get to choose the quality!
  • BetterHelp -A week of Therapy for FREE!
  • Betterment -Invest your first $5,000 for FREE!
  • Back Market -My referral code: 6888f588d6f85083 -$10 off your order! Refurbished Tech! My sister & I both got “new” phones from there. They’re awesome, great quality, so much cheaper than buying new (by up to 70%), came super fast, was super easy to buy, AND we saved 123 pounds of carbon emissions, each!

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