Net Worth & Life Report: February 2017
March 6, 2017
Our normal income is two full time day job salaries. We experiment with earning money on the side, including minimal cash flow that we don’t touch from an investment property. The goal is to replace our day job income before my health gives out and prevents me from working. Any purchases you make going through my Amazon links keep these blog lights on.
Achievemint: I signed up on January 18th (sign up here and get a 250 point bonus!) but the app pulled data from Apple Health and retroactively rewarded me for activity done before I signed up for my account. Whee!! So I got credit for part of December and the full month of January. PiC pointed out a weird thing: he earned 7 points for running 6 miles. I earned 6 points for walking 2900 steps.
My guess was the app learns what your norm is and sets that as the baseline so that it’s not giving someone who usually runs 5-10 miles a week a vast number of points while giving people like me a quarter of a point per month. But it turns out these differentials were pulling from different apps so I am totally confused.
December: walked 47362 steps, earned 123 points.
January: walked 98,480 steps, earned 256 points.
February: walked 112,705 steps, earned 293 points.
Swagbucks: I use this daily and used to rack up near 100 points a day but earning has slowed down. My favorite hands-off earning method, NCrave, has turned into a hands-on activity, forcing you to keep your mouse on the page in order for the countdown to continue. Boo! My big earners now are surveys.
Poshmark: Sales remain slow so this stays on the backburner. It’s active, but I don’t spend a ton of time on it. 4 items sold for a total of $22.50.
Dividend income: Our stock portfolio has paid $168 to date. Such baby beans! A disappointing first quarter, I’ll tell you what.
Personal spending: $106. We FINALLY submitted JuggerBaby’s passport application. We might travel internationally this year, and I hope that that’s all we need it for.
Projected spending: Our loan was pre-approved for the vasty sum of $800k, quadrupling our monthly mortgage commitment. Eeep!!! I have a plan to cut that in half after we sell our primary residence, but it’s still ugly.
Saving and investing
We max out an IRA and 401(k) every year, and save 20% of our net salaries.
We’re going to have to cut waaaayyyy back on our saving rate when the new place comes into play. Do Not Like!
#GivingCards and Charitable Giving
I don’t believe in tooting our horn for every donation we make. The point of giving isn’t to brag, it’s to help someone in need. The exception is when the cause is sound and could use help. I’m delighted to be taking part in the Rockstar Forums’ giving project where they send out a $20 gift card each month to forum participants who sign up.
My January card arrived the day after tornados pummeled New Orleans. The Louisiana area keeps getting pounded with horrible destructive weather, hurting and killing people, destroying homes and generally making a wreck of the place. While I thought I had this earmarked for something else, my heart said that there’s no better way to spend this $20 than to provide 60 hot meals for the people of New Orleans. Better yet, we were able to get a match on the donation so our $20 #GivingCard + $20 #1GoodMoneyThing made a $40 baby, and therefore 120 hot meals!
My February card just arrived so I haven’t decided yet where it should go, but I have a couple thoughts.
Net worth: weird
Our net worth is up 10.1% since last month but this is just a snapshot of the moment.
We’re going to have a lot of ups and downs over the next several months. We’ve got a temporary loan for the down payment which will be repaid when all the dust settles. That has artificially inflated our cash account, and then you’ll see all of that and more disappear when we make an offer that’s accepted. I was going to skip this section entirely but then decided that if I’m going on this roller coaster, you’re coming with me. The more the merrier!
Links from this month
- Figuring out family and asking for support
- Our childcare and costs: Winter 2017 update
- When refrigerators go bad
Working out: My average activity level was higher this month which was easier to figure out now that I have the Achievemint app pulling data out of the Health app. Yay apps! I wish I could just download directly out of the Health app but this works too. Assuming that 10000 steps is about 4.5 miles, since my stride is at best medium length, I’d say I’m at 2,222 steps per mile.
January (98,480 steps): about 44 miles.
Not only have I been not sick for at least several days consecutively, Seamus and I took advantage of a rare clear bright and sunny day to go for a jog. That was pretty awesome.
February (112,705 steps): about 50.72 miles.
Date night!: We paid a sitter to watch JuggerBaby for the first time ($75!) because a friend was having a Major Birthday. It was fun to see all the adult friends without kids clamoring for our attention, but I’m not in a hurry to a large gathering like that again for another … oh, a year at least.
I very much preferred what I think of as our actual first date night. After getting a fractious JB settled in bed for the night, we hung out tucked up under a cozy comforter, reading our little social media feeds. Then I found Babe, and nudged PiC into looking at the cute puppies with me. We ended up watching the whole movie together. When’s the last time we saw a whole movie, together? It was a splurge, as far as the time spent late into the night, and getting up the next morning was painful but it was cozy and enjoyable.
On maybe not common sense, and phone maintenance: PiC’s been jogging along with his low key iPhone, getting increasingly frustrated with the loss of functionality as it got harder and harder for his charger to make a connection. He kept jamming it in there and making it work but I suspected we were going to face another phone purchase well before plan.
Usually I’m the family IT and tech troubleshooter but I just had no time to give it more than annoyed thoughts at the end of the day. Then things became dire when the memory filled up but I couldn’t do a massive clear off like usual, my desktop just wouldn’t recognize his phone.
He finally sat down with it, all set to be MacGyver, and felt like a right fool when it turned out the plug couldn’t connect because it was physically blocked by a gob of fluff, dust, and fur!
His phone hacked up a furball and they’ve been getting on swimmingly since. Free and easy – just the way I like all my tech solutions.