By: Revanche

Net Worth: October 2014

October 17, 2014

Change from September: 1.38% decrease

Change from January: (366.75% total); 5.12% decrease

On Money

I’m working away at Swagbucks to earn Amazon money for household, Little Bean, and dog things we need. Feel free to join using my referral link if you like!

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We lost about $17K in the retirement accounts. I probably picked a bad day to update the accounts as the market’s been very volatile this week. Ah well.

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Short term savings: I’ve always had a mix of savings accounts and CDs, a holdover from the high-interest rates days. Over time, I’ve winnowed them down to cut down on the complication of my day to day tracking. My last high-interest CD with Citibank is maturing next summer, so I’ll have to start thinking about where to park that next. I’ve got a couple CDs with Ally expiring in 2016, so that too will need a better earning home.

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Checking and savings accounts: Speaking of winnowing, where I used to have about 25 accounts (half because of the high interest rates, half because I liked to break out the destination of all that money), I’d like to only have several. I mainly bank with online only accounts now, but will likely hang onto one B&M bank for physical transactions. It’s possible we don’t even need that if I can break the habit of carrying the B&M card and take the online bank debit card instead; I’m pretty sure they waive all foreign ATM fees since they don’t have their own ATMs.

To date, I’ve closed 4 accounts with 2 banks and have 3 more credit cards to cancel.

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2013. Taxes. Have. Been. FILED!  HALLELUJAH. Now, of course, I need to clean up my notes for 2014 to cut down on the amount of prep and review notes that I give the CPA next spring.

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Stupid Money: Got another one of those fun surprises in the mail that feature a photo of your car and license plate. Technically it IS my car, but it was not driven by me. That’s right, this was another Family-Money-Fail. There should be a shower on confetti every time that happens.

The bright side? Rather than the $30 that the City of Orange once tried to get out of me when it was their toll booth that was out of order, this was only 45 cents and they let me pay online with a credit card without any CC fees. So that was the cheapest ding ever.

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Little Bean Money: Lauren reminded me of a thing I’d managed to let slip. Little Bean’s officially got a dedicated chunk of savings transferring directly out of my paycheck (and soon, PiC’s) into an LB savings account. This little cushion will be comforting and good practice for when that money’s just flying out the door.

On Life

Adding another dependent to the household is a whole lot of work. I don’t think I fully understood what I signed up for here!

We’ve been coping relatively well, I think, with all the extra challenges of my even-more decreased mobility and lack of energy, and still getting some of the cleaning and purging done around here so that’s good but it does feel like there’s a mountain or two left to climb before we’re materially ready.  I have no doubt there’s no way to mentally prepare for this sort of change, except to remind ourselves to be flexible. Over and over and over.

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Congrats to Jordann for an October NW increase.
SaverSpender had an increase despite significant spending & comes within spitting distance of a quarter million.
Alicia’s quarterly report shows some major progress.

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