Category: Plan Updates (Page 2 of 5)

2017 Financial Goals

2017 Financial Goals

As I’ve thought about how to direct our money in 2017, I’ve gotten so overwhelmed. I’m really horrible at multitasking when it comes to goals. I want to just get rid of my mortgage so that I can direct all money toward investments. But I also know if I just throw all money toward the mortgage, I’ll regret not adding more to investments along the way. The stock market seems really inflated to me right now, so I will continue to throw money at my mortgage for now, but if the market tanks later in the year, I will redirect more towards “on sale” investments.

I’m also terrible at hiding my own money before I see it. It was easy to up Mr. T’s 401k contributions, because they take that money out automatically. My paycheck is a physical check I get in the mail and it varies greatly. Last year, I ranged from $0 (vacation pay periods, I make no money… the plight of an hourly employee) to $1608 (if there is more work to do, I get more money… the awesomeness of being an hourly employee). So, it’s hard to plan monthly savings goals around my income. I haven’t figured out the best way to handle this yet. (Thoughts?)

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January 2017 Plan Update

December 2016 Plan Update

Welcome back, friends!

PLEASE – If you haven’t taken my SUPER IMPORTANT AND AWESOME SURVEY, please do it now. Share it with your family. Make your friends take it at your house. Post it on social media. Okay… you get it. Thanks. Seriously and honestly: Thank you.

Welcome to 2017 – the year where people stop dying and the world becomes a wonderful, hopeful, kind place. Too much hope? I love a new year. A clean slate. And while I can’t entirely control the world, I can move myself forward. So, the next few posts will be introducing the 2017 Stock household goals (yay goals!).

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What does your remarkable life look like?

What Does Your Remarkable Life Look Like?

Several years ago, I caught a glimpse at my doctor’s notes in my chart. Mine didn’t say “difficult patient” like Elaine in that one Seinfeld Episode, but I was equally confused and offended by a statement in mine:

Bones and joints unremarkable.

Um, excuse me?! I think my bones and joints are VERY remarkable! I jest about my offense, of course. As Mr. T pointed out, in the medical world, that is probably a compliment (and since Lui’s birth, my joints are probably now medically remarkable). But “unremarkable” feels offensive.

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November 2016 Plan Update

November 2016 Plan Update

What a roller coaster of a month! I’m happy to report that things are going great inside the Stock house. The kids are at great stages right now and our house feels very merry and bright! Outside our little house and in the big, big world, I can’t say I feel quite as safe and happy. The hate is coming out of the closets and seemingly taking over the world. It’s important to be kind and as Mr. Rogers said:

When I was a boy and I would see scary things in the news, my mother would say to me, ‘Look for the helpers. You will always find people who are helping.’

(Mister Rogers has always been my favorite!)

This Christmas season, we’re making an increased effort to be those helpers!

This month is BIG for the blog. Coming soon: we have a very exciting Christmas post that’s definitely out of the ordinary. (Mr. T and I spent hours putting it together and you’ll LOVE IT. I promise!) In two weeks, I’m introducing something BIG and I’m super excited about it… details coming Monday, December 19th! YAY YAY YAY YAY! Ahem. Okay… what you came here for…

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October Plan Update

October 2016 Plan Update

Farewell October! This was a very exciting month because we got our PFD money! YAY money! But then immediately, a whole bunch of bills came in and we bought plane tickets. BOO money! I am choosing to be grateful that we were able to put the majority of the PFD money toward the mortgage. YAY paying off debt!

As for the Stock household updates… the girls took swimming lessons and Penny graduated! We got our first snowfall, which has now entirely melted (boo!). We dressed up as Harry Potter characters for Halloween, with Lui being Hagrid (he wins), Mr. T being Harry Potter, I was Prof. McGonagall, Penny was Hermione (my 80s crimper to the rescue for Hermione hair!) and Florin was Moaning Myrtle (though she did not want to wear a toilet seat around her neck as we suggested!).

The Numbers:

You guys… if you haven’t signed up for Personal Capital, I think you’re nuts! It’s free! I look forward each month to logging in and seeing all of my accounts in one place. It shows all of my credit card accounts, my mortgage, my investment accounts, analyzes my fees, and is very visually compelling. I mean, it’s a geeked-out way to see it all in one glance without spending too much time. Sign up here to help yours truly speed toward financial independence! It has cut down my end-of-the month reckoning significantly since I can see all my accounts together (with graphs!).

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September Update

September 2016 Plan Update

September has come and gone. Instead of attending FinCon, I headed to the Midwest for work and then to celebrate a birthday weekend with my sister! It was great fun (and, as a bonus, I even found a pair of skinny jeans that don’t make me look like a chicken!).

The Numbers:

You guys… if you haven’t signed up for Personal Capital, I think you’re nuts! It’s free! I look forward each month to logging in and seeing all of my accounts in one place. It shows all of my credit card accounts, my mortgage, my investment accounts, analyzes my fees, and is very visually compelling. I mean, it’s a geeked-out way to see it all in one glance without spending too much time. Sign up here to help yours truly speed toward financial independence! It has cut down my end-of-the month reckoning significantly since I can see all my accounts together (with graphs!).

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August Update

August 2016 Plan Update

August was fascinating around here. It rained for the entire month except this last week which has been absolutely gorgeous and perfect with record-breaking temperatures. Hilariously, my college roommate came to visit just when it got perfect and she had the PERFECT Alaskan trip. I mean, I really couldn’t have planned for it to be better. Denali came out for her to see, the belugas were migrating through, we hiked a glacier, we went on a boat ride and saw a humpback whale flap its tail for us (many, many times!), and then the northern lights came out as I was loading her suitcase in the car to head to the airport. It was fabulous. It’s weeks like this one where I think: “There is no better place on this planet!” Sorry, folks. But it would be hard to beat all that! Alaska is the greatest. 

Glacier Pond

Humpback Tail

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non-financial goals

An Update on 2016 Goals

Usually people catch up with a mid-year review in June or July… you know, mid-year!? But here we are, mid-August, and I think it’s time for a check-in. School started Monday for the kiddos, so it feels like a good time to re-evaluate and figure out what needs to happen in the next 4 months.

As I’ve mentioned in the past two plan updates, the financial goals may come up a bit shy. I talk extensively about that monthly, so today’s focus is on the non-financial goals I set in January:

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First 100,000

Saving The First $100,000. The Hardest?

The First $100,000

In our May update, we mentioned the possibility of breaking $100,000 in June. It seemed surreal, but definitely possible. Cheers to Amber Tree Leaves for this comment:

Would it not be great to reach 100K while enjoying a holiday. I hope you reach that milestone

This comment blew my mind.

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Fireworks over the beach

June 2016 Plan Update

June was AMAZING. We just got back from our big adventures last night and I’m excited to catch up on all the comments today! We flew to Seattle on June 2nd, spent five days with Mr. T’s family on the Puget Sound, and then Mr. T and I ditched the kids with them and headed to the United Kingdom. We flew into London where we spent a week, then we drove through Stonehenge, Avebury, Stourhead, Bath, and over to Cardiff for a few days. From there, we zig-zagged up through Wales to the Lake District, drove over through Yorkshire, over to Whitby on the coast, up to Northumberland, and finished up in Edinburgh. From there we flew to Paris for the last 3 days and then back to Portland (my family) where we met up with our children and enjoyed a family reunion on the coast.

There will be more on the trip coming up in a few lessons we learned on the UK and London on a budget, but for those who care, I’ll mention a few things here.

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