Net Worth, Money & Life News: October 2015
November 2, 2015
Change from Jan 2015: 19% increase
3% decrease from last month
I kicked some financial-planning tuchus this month!
I rearranged our banking to accommodate new regular expenses, got our estate planning lawyer lined up and retainer fee-d, sorted out the paperwork for Phase 2 in LB’s childcare arrangements, had the life insurance nurse visit for the necessary lab work. HUGE.
Three huge checks: One for our estate planning, one for LB’s care. I was expecting those, but they still felt like an elbow to the solar plexus. Then a big whack at our mortgage. That was satisfying.
Surprise 1: We had a business trip and Seamus couldn’t come. Boarding him cost a couple hundred dollars.
Surprise 2: We paid the last of our income taxes, our new CPA made a mistake on the calculations and we owed $700 more than previously calculated. BOO. Momma’s little tax deduction will help with that next year, though.
Speaking of taxes, I’m calculating 2016 tax deductions: Do I pay our property tax in one or two installments? Depends on whether it makes a difference for our taxes next year. So our CPA’s running the numbers there. Thank everything that I caved and have someone doing the actual numbers. Even if it’s a service that costs us a few hundred or so a year, and a mistake cost us $10 in interest this year, that’s still more than 30 hours of calculations that I won’t have to do myself.
We’re now digging into our extra savings allocations to pay for more regular expenses and I hate that. It’s always what we were meant to do, that’s why I started withholding it from our cash flow in the first place, but hiding money from myself has never worked. I knew it was there, I was loving that we were saving it. What can I say? I’m a compulsive saver.
I redeemed another $50 in Amazon gift cards this month but I’m changing strategies next month. It looks complicated but it should be easy. That’ll be outlined in a later post, I think.
Retirement! With his bonus, we’ll max out PiC’s 401K but I don’t have one ::sadness:: so I set up an auto-withdrawal for my paltry little annual IRA. Since it was set up in May with only 8 months left to 2015, the contributions have been near a whopping $700 per month. I’m looking forward to 2016 when the $5500 will be divided 12 ways per month instead ($459). Same end result, just less painful each month. And WAY less painful than doing a lump sum investment in March when I realize I’d forgotten to contribute.
We were out and about a LOT this month. About a week of travel and being out running errands two of the other weekends is a lot for me. We enjoyed our time but I am massively in need of a lot of quiet, at-home downtime decompress.
The last couple weeks were big for blog related things and that gives me warm fuzzies, especially since I tried a new thing:
Frugalwoods included my suggestions for marital bliss and money
My podcast interview with Jessica went live
Crystal featured my post on those awful pigeons lured here by our neighbor
Money Ramblings talked old cars celebrating a 20th birthday
Health hit the skids this month. Again. There were several days of being totally laid out, unable to move. That sucked. It wasn’t as bad as it could have been but still. Awful. Definitely it was bad enough for me to start worrying again about what would happen if I was permanently crippled at this level.
So, the time change – I’m ready for us to stop that.
We may have to fly with LB soon, depending on family stuff, and I made the mistake of researching advice on how to fly with an infant / toddler. There is some serious hate for parents and kids out there. Everything from telling parents that they need to control their kids, that they shouldn’t ever fly with their horrible little turds, to criticizing them for flying if the kids are sick. As if adults are all perfect, considerate, and healthy fliers? Really. Wrong part of the internet to be, I’ll tell ya!
We’re buying beef from a local butcher shop and that’s a sentence I never thought I’d type. It feels like a throwback to Ye Old Times to go to a butcher for Ye Meat Needs! Other people say it’s reasonably priced so clearly my idea of “reasonable” and their idea are vastly different, but the quality is awesome. It’s a new thing we’re doing: selectively paying more for higher quality food items on the notion that what we consume affects our health. It’s not that harebrained.
Anyway. We only buy one or two cuts at a time, treating it as an indulgence. We don’t need the red meat and Liberace knows our arteries don’t need it. Not that we have cholesterol problems, most of our protein normally comes from chicken, tofu or pork, but we don’t need to be rolling out the red carpet (hah) for new health problems.
I’m the red meat craver in the family so we never cooked it til I got pregnant. After, actually. During pregnancy, I couldn’t keep anything down, much less cook. Post LB’s arrival, we discovered this butcher shop, and it is glorious! Good service, great quality, scary prices. We share a ribeye now and again, and I have now perfected the hearty and delicious $5/serving pot roast. There’s a one pot meal that doesn’t taste like laziness and/or sadness.