Its been a long time since I have posted (started blogging back in 2006). Hello to anyone who remembers me!
Reintroducing myself, I am a 42 year old married Mom of 1. My daughter finished her 1st school year (Kindergarten) during Covid. My husband and I, both working full time and have been employed remotely through the pandemic.
-Debt Free, except a $10k car loan and our house
-Household income of $195,290 in a medium cost of living area.
-Outside of slush fund savings (Household, Annual expenses, Holidays, Vacation, etc), we have $45,332.15 in an Emergency Fund, $4,378.62 in a New To Us Car Fund, $7,440.31 in house renovations Fund.
-Retirement funds (401k and IRA) total $505,449.96
-In 2020-2021, we cashflowed (PLANNED) projects of a new fence and upgraded deck, which was put to use while being home so much more.
--My husband and I are putting 17% each towards our 401ks and about $400 to EF each month
-We just refinanced out home to a 15 year mortgage at 2.25%
Our family is getting to a good position, but we always have goals to strive toward.
I'd like our true Emergency Fund to stay at a 6 month emergency fund (net of what we currently make).
We need a new stove soon. We're limping along and will for a bit more.
We are looking to paint the house interior. We will handle what we can on our own, but there is some house settlement that we need addressed as well. The overtime I've saved will go towards that (but not all).
We plan on a nicer vacation in 2022, but a few long weekend vacations in 2021 and will cashflow those. We just took a 2 night, 3 day trip to Great Wolf Lodge and used coupons, Groupon and Rakuten to save money. We also packed food, drinks and adult beverages for the room and ate outside of the 'resort' for some dinners.
I hope that going forward, I will be able to catch up with everyone posting here and to be able to post an update at least once a week.
Its good to be back!