Hello! January was survival mode, I’m working more hours, we temporarily didn’t have childcare, and Brandon shifted to being a full time stay at home dad who works evenings and weekends. We became very burnt out.
I am hopeful that by the end of February we will find some balance again in our lives. Our childcare provider/friend is planning on returning to work after her maternity leave. 🙂 so maybe Brandon and I will actually be able to see each other again.
This will be just in time for March/April when tax season is in full swing and I will be putting in overtime.
The good news is, we don’t have time to be spending money and also didn’t need to pay for daycare as much.
Our Financial Goals:
Be Debt Free
Make $2,000+ a month from investments or part time work so we no longer need to work full time.
Max out Roth IRA Contributions annually.
Our Current Numbers as of end of January:
Investments: ($66,750)
My Roth IRA: $32,250
B’s Roth IRA: $30,858
My IRA: $2,166
My Roth 401(k): $1,293
Our son’s UTMA: $183
Savings: ($10,696)
Savings: $10,696
HSA: $0
Property: ($201,000)
House: $194,000
Car: $7,000
Debt: (-$92,179)
Mortgage: -$92,179
Total Assets: $278,446
Net Worth: $186,267
When compared to last month, our investments are up about $3,750, our savings went down by about $500, and our mortgage went down about $1,300.
I also decided to lower the estimated value of our car, it has some more dings and scratches now.
An overall net worth gain of almost $4,000. I’m pleased with that.
Because of me putting in overtime February-April and receiving our tax return, we are going to see some AMAZING financial progress over the next 3 months. We are also amending our 2021 tax return, and should be getting another $1,000 or so back.
I love capsule wardrobe YouTube videos and Pinterest posts, but I always run into the same problem, they’re not realistic for my lifestyle. They’re often made by someone who doesn’t have any kids OR they are a stay at home parent and do not have a full time office job in addition to being a parent.
This post is for the people who aren’t YouTubers and need realistic capsule wardrobe inspiration.
I still have more clothes than I would like to, but here’s the thing, I get spit up on, a lot. I currently need a few more tops than I will need 4ish months from now when my son no longer drinks formula/breastmilk. I have even gotten spit up in my underwear multiple times, don’t ask me how, it just happens. I work in a CPA office as well, where I need to wear professional attire, especially during tax season.
I also live somewhere that has 4 very distinct seasons, unlike places like the southern United States. I live in Minnesota, where it can be 100 degrees Fahrenheit in the Summer with high humidity or -40 degrees with the wind-chill in January/February. I genuinely need to be prepared for any weather condition. Here, Winter lasts 6 months of the year so I need more sweaters and thick socks than people who live in other locations might.
In my opinion, I have an okay amount of clothes considering my lifestyle and location. Could I always get rid of more? Yes.
How many of each item do I have? Let’s find out:
Tops:
Office only tops: 4 -I have 2 more that I ordered through work, but now that I see them in person, I’m not a fan and they don’t quite fit right; looking into returning those.
Sweaters: 5 (one in the hamper)
Tank tops: 2 (black)
Black Tees: 6 (3 plain, 3 graphic) -get rid of one or two?
Long sleeves: 2 (gray & black) -get rid of the gray one?
Holiday Tops: 5 (one is in the drawer) -eliminate this category?
My half of the closet
Bottoms:
Work Pants: 6 -get rid of 2? -hanging on to more because my size has fluctuated recently.
Jeans: 4 -could get rid of 2?
Leggings: 2 -get rid of 1? I only wear one of the pairs.
Shorts: 2
My bottoms
Full Body:
1 black dress
1 green jumpsuit
1 blue & white romper -Get rid of if I don’t wear it at least 5x this next Summer.
Layers/Outerwear:
Blazers: 3
Flannels/Shackets/Cardigans: 4 -get rid of the cardigan?
1 puffer vest
1 black winter coat
1 black trench coat
Shoes:
Black boots (I’m obsessed): 4 -get one more pair for work?
Flats: 2 -I want to wear out the leopard ones, or donate them, and not replace them.
1 green, casual slip-ons
1 yardwork/hiking tennis shoe
1 set of flip flops
1 black heels
1 Weird sock/slipper things -don’t count as shoes really.
ALL of my shoes
Misc:
1 large drawer of socks, underwear, pajamas, athletic clothes, paint clothes, swimwear, & comfy clothes.
My drawer
4 black bras, 2 are nursing, can probably get rid of those.
1 black & silver belt
1 set of winter mittens
1 black scarf
Set of wedding/engagement bands.
1 set of my great aunts earings.
2 sentimental necklaces I never wear
1 black purse
1 black clutch (borrowed from my mom)
1 black backpack
And that is my entire capsule wardrobe for the whole year as a fulltime working mom!
I thought I had way more than I do, so I’m happy about that! and very proud of myself. I’m actually content finally with these numbers.
Hopefully this post helps someone out there decide how many clothing pieces they actually need!
How many clothing items do you have? You may be shocked.
First of all, survive another tax season. This time around I am not new to my job and also not in my third trimester of pregnancy, so hopefully it will go even better.
I don’t have any goals outside of survival and prioritizing my husband and son from January 2nd-April 15th. Luckily, because I will be working over time, I will receive time and a half pay and make way more money. So we will focus on paying down the mortgage even more aggressively during this time. We will also receive our tax return.
Then our son turns one on April 17th!!! I gave birth the day before tax day this year which was perfect lol. I would like to throw a small birthday party for him on Saturday, April 20th. After tax day, I’m taking the rest of the week off as long as I have enough PTO.
We have also started properly gardening and would like to expand on what we have established. We have many goals for the garden, but care more about paying off the house than majorly expanding in all of the ways we want to.
Garden goals (Late April-May):
Buy 4 more rose bushes. (2 for front, 2 for the back)
Refill the 5 garden beds we currently have with different produce.
Plant an apple and pear tree. (If we can find a right spot for them)
Place pavers to create walk way through garden. -maybe add woodchips?
Till & plant wildflowers along the boulevard. -as long as neighbor approves.
Misc. goals:
Read 12+ books.
Write 1-4 blog posts a month. (less during tax season, more during rest of the year)
Daily walk as long as it is above freezing (except during tax season).
Continue decluttering. Keep only that which we USE frequently.
Quality time with Brandon and our son.
Continue to see parents 2-4x a month. (outside of tax season)
Hang out with 2+ friends a month. (outside of tax season)
No social media other than YouTube & Snapchat. Pinterest may be used for reference through a browser.
Keep painting certain rooms of the house.
Goals pertaining to our son:
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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!
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I want to start writing on here more consistently again! So here is the beginning of that.
It has been challenging to do many things other than work and survive with an infant, but I’ll give it a shot.
Also, I have a new job at a CPA firm! (Been there for almost year now.) So tax season is beginning January 2nd and I will hardly have time to breathe. If you’re my friend or family member, see you in late April!
On to our finances…
The numbers I have posted have changed quite a bit. I’m proud of the financial progress we are making!
Our Financial Goals:
Be Debt Free
Make $2,000+ a month from investments or part time work so we no longer need to work full time.
Our Current Numbers as of December 22nd, 2023:
Investments: ($62,998)
My Roth IRA: $31,732
B’s Roth IRA: $27,895
My IRA: $2,111
My Roth 401(k): $1,100
Our son’s UTMA: $160
Savings: ($11,152)
Savings: $11,152
HSA: $0
Property: ($201,850)
House: $194,000
Car: $7,850
Debt: (-$93,525)
Mortgage: -$93,525
Total Assets: $276,000
Net Worth: $182,475
Financial Goals by end of 2024:
I want to set the goals as challenging, but realistic.
I would like the mortgage to be down to -$46,000 or less.
$70,000+ invested
Brandon and I both get raises.
Household pre-tax income of $100,000+
I will write a separate post about our other goals for 2024.
A lot has changed since my last blog post. We had our baby, went to Germany, I started a new job, and we started a proper garden.
I am currently on maternity leave and thought it was finally time for an update.
Our finances have changed too. I have a regular income again and am making more money and have benefits.
Our Financial Goals:
Be Debt Free
Make $2,000+ a month from investments or part time work so we no longer need to work full time.
Our Current Numbers as of May 19th, 2023:
Investments: ($57,869)
My Roth IRA: $28,760
B’s Roth IRA: $25,888
My IRA: $1,833
My Roth 401(k): $0 -Just opened it right before my maternity leave, so no money in it yet.
Our son’s UTMA: $100
My Robinhood: $1,288 (Bitcoin & Tesla -lol, waste of money)
Savings: ($13,924)
Savings: $13,024
Back-up savings: $900
HSA: $0 -emptied it so we could then receive medical bill assistance.
Property: ($199,220)
House: $188,600
Car: $10,620
Debt: (-$110,045)
Mortgage: -$110,045
NO medical debt! Even after having the baby! We qualified for medical bill assistance at our hospital and they are covering 100% of our bills!
Total Assets: $271,013
Net Worth: $160,968
We are comfortable with the amount we have saved and want to focus on paying off the mortgage and investing in our retirement accounts, particularly my 401(k). Once the mortgage is paid of, that majorly increases our financial freedom. It will free up $1,000/month. We already can survive off of just my income with the baby. So work will become mostly optional at that point.
With that being said, we both LOVE our jobs. My new job is perfect & all of my coworkers are fantastic. I genuinely enjoy being by them and get every benefit you can think of, so it is really worth it. They are super flexible as well. I plan on working there as long as similar people stay working there that have great attitudes and as long as I enjoy it.
The baby isn’t costing as much as we thought it would since we don’t need daycare yet, we have family & friends buying us almost everything we need, no medical bills now, and I am able to breastfeed. So our expenses have not gone up yet really. They will once he starts daycare & when the gifts/money slows down from friends & family, but not terribly. Luckily, Brandon’s job is super flexible and we have a friend who does daycare so she is giving us a discount and we only need her part time.
Our baby on October 13th, 2022. First ultrasound. 💛
I’m Pregnant! I haven’t posted in awhile because life has been very busy with the holidays, baby prep, appointments, work, etc.
The baby is due April 23rd, 2023, and we think that is the perfect time for us to have a baby. We will have the Spring, Summer, & Fall to adjust to parenthood. These times of year come with nice weather & long sunny days, which will help with the postpartum time greatly. We will be finding out the sex of our baby, but we will not be sharing that with anyone until the baby is born.
I also found out my town received a grant from the state for people who are unemployed or underemployed to go back to school at our local tech college for FREE to get a two year degree now through 2024. So I am glad I did not go for a bachelor’s in Liberal Arts, instead I am going to try out getting another AAS in Software & Web Development. I start classes in January, if I hate it then I will just stop after this semester, which lines up well for when I have my baby so I can have a full maternity leave over the Summer. 🙂 (May-Aug)
As you are reading this, I am 20 weeks pregnant today 🙂 so halfway there! I feel the baby move a ton & so can Brandon, despite me not showing very much. I think this is because I am taller than the average woman and slender. Of course over these next 5 months we will be focusing our money on saving for our parental leave!
Also, we are currently watching the World Cup, The Netherlands vs. USA today. Since I have a lot of Dutch followers, may the best team win! It’s looking like you guys are going to win, bummer for us, but congrats!
We also set up a Health Savings Account finally the other day. Brandon now has his own health insurance plan through his employer since he turned 26 in October.
We have a long trip planned this month & will be taking money out of savings ($800) in a week or two to exchange some USD to Euros for spending money while we’re gone.
Our current financial numbers after the last 2 months:
Current Expenses: $2,400/month
Estimated Expenses After Baby: $3,000/month (additional $600 is for medical, diapers, if we need formula, etc.)
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 December 3rd, 2022:
Roth IRAs (Betterment -SRI Sustainable): $27,504 and $24,858
My small Traditional IRA (From an old 401(k) rollover -Betterment): $1,764
Tesla: $572 (gambling -IMO)
Bitcoin: $465 (gambling -IMO)
Total Invested: $55,163
Savings: $7,179
HSA: $0
Debt: -$113,513 (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 10 hours/week.
In Summary, over the last two months our investments went up about $6,500, our savings went up by $1,800, our mortgage went down $2,000, and we opened an HSA! So I think that is pretty good!
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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.
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!
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!
August is always a crazy month for us because my birthday, our anniversary, and other family & friends have birthdays in August.
This month was extra hard though, particularly the week of my birthday. I got Covid for the first time and it hit me really bad right when my friend was staying with us after not seeing her for over 3 years. It was rough. I had every Covid symptom, a terrible cough, sore throat, aches, fatigue, fever, loss of smell & taste, just terrible. I think it was the sickest I’ve ever been. I can see how people who smoke or are elderly can die from it. As I’m writing this, I STILL have a cough left over. Also my mom’s household had to put down their dog and my other close friend’s cat died unexpectedly young. There were some other major challenging things that happened, but I’m not comfortable sharing those things with the internet. Overall, the week of my birthday was one of the hardest weeks of my entire life so far. Not all bad, but difficult.
As for our finances, I’ve started making more money this month, and the week after my birthday I’ve finally found a great work routine to maximize my income in the smallest amount of hours! I basically just work the lunch rush Monday-Friday delivery driving; Roughly 9:45am-1:30pm, and then at the farmer’s market on Saturday mornings. It’s going great! My new income is going to be around $2,000/month even though I only work about 20 hours a week.
As always, as a home owner, another unexpected home expense came up! Who would’ve thought??? Our kitchen sink got clogged and it was way down in there deep so it’s costing us $210. We tried to fix it ourselves (by ourselves, I mean Brandon) and it was just too deep, our snake wasn’t long enough and Draino didn’t work.
And as someone in the U.S. we of course have medical bills!! Yay!! *eye roll* We owe about $400 in random medical bills over all now. There is a delay in when we receive services, then receive the bill. We just got these bills in the mail so will probably pay them in September.
Our main financial goal right now is to beef up our savings account & future HSA until the balance between the two is $20,000.
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 August 30th, 2022:
Roth IRAs (Betterment -SRI Sustainable): $26,507 and $24,075
My small Traditional IRA (From an old 401(k) rollover -Betterment): $1,723
Tesla: $820 (gambling)
Bitcoin: $545 (gambling)
Total Invested: $53,670
Savings: $4,316
Debt: -$116,254 (Mortgage only) -On track to be paid off by end of 2034, will most likely be paid off sooner.
Brandon is working 38 hours/week and I am working 15-20 hours/week.
As many of you know, the stock market didn’t do well in August, again, I expected this. It will come back someday & continue its steady growth. At least our savings account balance went up a decent amount & our mortgage balance went down. That’s mainly what we’re focusing on for now.
Thank you for reading! And hopefully I’ll get back to streaming on Twitch again & writing more, but no promises! Life has been crazy so I’m just doing what I can and have mostly been in survival mode. And the little energy I do have, I put it towards taking care of my self, my basic needs, and caring for my relationships. If I’m lucky, I’ll get some cleaning done, but that’s rare right now.
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!
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!
In July, we mostly had tons of different appointments, particularly for Brandon’s back, he has a tear. Leo had a teeth cleaning he needed to be put under for, and Brandon had to get multiple fillings. Other than that I have been working part time, doing house projects, and like always, constantly evaluating myself & how I want to live my life.
Oh, I also started Twitch Streaming!!! I want to try it out and so far it’s going well. I talk about home stuff like cleaning & decluttering, but it seems people like when I get philosophical on there too. We’ll see where it goes, if I continue to like it then I’ll keep doing it, if not then I’ll stop or pause. That simple.
We updated our living room a bit this month to slowly make it the Mid-Century Modern Living Room of our dreams. It’s not finished, we want to refinish the floors, get new light fixtures, & a new rug.
The floors always photograph well, but in person, they’re covered in paint splatters, nail holes, and patches are missing stain completely. Also, that is not a real Eames chair, it’s a replica, but we still got a great deal on it! $70 at a garage sale!!
The rug was free from my mom’s garage many months ago. It’s not bad, it just doesn’t go with the room & is too small for the space.
We added a shelf above the TV too.
Next Financial Goals:
$20,000 in Savings/potential future HSA
Max out Roth IRAs for 2023, by April 2024.
Pay off the mortgage
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 July 31st, 2022:
Roth IRAs (Betterment -SRI Sustainable): $27,556 and $24,976
My small Traditional IRA (From an old 401(k) rollover -Betterment): $1,783
Tesla: $874 (gambling)
Bitcoin: $652 (gambling)
Total Invested: $55,841
Savings: $3,863
Debt: -$116,935 (Mortgage only) -On track to be paid off by end of 2034, will most likely be paid off sooner.
Brandon is working 38 hours/week and I am working 10-15 hours/week.
The stock market regained some of it’s losses this month, so that’s nice! I’m still expecting volatility for the next while though, how long, I don’t know.
Approximate F.I. date: August 2034 (12 years) probably earlier, there are too many variables to predict exactly when.
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!
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!
At the end of this post, I list out all of the ways how we were able to accomplish these financial goals with such low incomes, in such a short amount of time. I suggest reading that list for ideas that you may be able to apply to your finances.
Now that we are half way through the year, and I started my monthly financial updates May of 2020; let’s examine where we were financially July 1st of 2020, July 1st, 2021, & July 1st, 2022 to see if we are actually making any progress. Spoiler alert: we are.
Flash back to July 1st, 2020. Although it’s summer, pools are closed & events are canceled. A new virus called “Covid-19” is out and about & most of us are stuck at home, we are only 3 months in and assume it will be over soon, hmmm…
Our finances were:
Total invested: $18,326
Total in savings: $11,028
Total debt: -$149,879
Then 2021 came, and was much the same as 2020:
Total invested: $39,942
Total in savings: $10,768
Total debt: -$133,257
To be honest, I think the pandemic helped us save a lot of money, pause and do a lot of reflection. We could no longer eat out as much, didn’t need to drive as much, couldn’t travel, etc.
And then most recently: July 1st, 2022:
Total invested: $52,521
Total in savings: $3,662
Total debt: -$117,614
And this is with our investments going down drastically over the last 6 months! At their peak, they were at around $62,000. I took out $12,000 this year from savings to invest, that’s what caused our savings to go down the most.
Overall, our investments grew from $18,326 to $52,521. Our savings went from $11,028 down to $3,662. And our debt went down from almost $150,000 to $117,614! In two years.
32,265 – 7,366 + 34,195 = $59,094 in positive change! That’s $29,547/year going towards investing, saving, & paying off debt 🙂 Basically we live off of one of our incomes & use the other person’s income to accomplish our financial goals, it’s a team effort.
I’m so excited to see where we will be 5, 10, 20 years from now!!! The financial growth will be amazing! The sacrifices & discipline have been worth it 100%.
The sacrifices & changes we made (and you can too):
We are very mindful with our purchases and buy very little that is not an actual need. We constantly walk away from things we want and put them back on the shelf. (Other than eating out, we do pick up orders for food all the time) I really minimized my skin & hair care routine, and my wardrobe, and stopped buying items in these areas. THIS IS THE BEST THING YOU CAN DO FOR YOURSELF FINANCIALLY (and mentally tbh), TRY YOUR BEST NOT TO FALL FOR MARKETING & BUYING THINGS YOU DON’T NEED. They will not provide true joy & fulfillment in life, even though you may believe they do because of marketing and the dopamine hit we get after we buy something new, but that feeling fades & the money is gone.
We paused all travel, mostly thanks to Covid.
The second best thing we did, or it may even be tied for first, for what gave us a major financial boost was: We went down to one car. The older & cheaper of the two cars we had is the one we kept. It’s a 2013 used Honda Civic. This means sometimes I need to get up early to drive Brandon into work so I can have the car later, but honestly it hasn’t been a hassle like we thought it would be. I have a whole blog post about how we sold the other car, for how much, & why. People don’t think about how much a car actually costs, it’s more than the monthly payment, it’s insurance, gas, maintenance, tabs, etc. too.
We also buy almost everything that is not a need, second-hand or borrow it from someone.
Found ways to make our home far more energy efficient.
Refinanced our mortgage in September of 2020 to a 15 year loan with 3.125% interest.
Switched insurance providers for our car & home to get a far better deal.
Called and lowered our internet speed to save about $20/month and haven’t noticed a difference.
I hope this post helps you jump start your journey to financial independence, or fuel the fire (no pun intended) more, if you’re already well on your way.
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!
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!
Ease Your Financial Payne 