WHAT I FEEL LIKE SOME DAYS WITH BABY BUN
Damn straight.
MEDIUM ARTICLE:
“HOW I GOT OUT OF $60,000 OF DEBT“
I wrote about how I got out of $60,000 of debt over on Medium.
URGE TO RANDOMLY COMPLIMENT STRANGERS
I randomly get the urge to compliment strangers and say things like:
“I just wanted to let you know that I think you’re really beautiful.”
But how awkward would that be coming from a woman who is heterosexual and a stranger, no less and wants nothing more than just to say that?
These are just so-called “ordinary” women but they’re just.. gorgeous and maybe they don’t know it.
Or they do. I don’t know.
So.. if you catch a strange woman staring at you, think that maybe they think you’re really beautiful and not that I’m trying to be hostile or judging you.
It would be easier if I had Baby Bun under the crook of my arm, because I find that mothers tend to be given a little more leniency.
STYLE BLOGGERS WHO EXEMPLIFY MY STYLE
THIS IS SO SWEET
INCOME = $0
None to speak of.
EXPENSES = $6536.73 (not including taxes)
NET WORTH & SPENDING = $487,975.61 or a decrease of $51,256.97 or 10.5%
4 words to explain what happened:
Stock Market.
Taxes.
Spending.
I dipped below $500,000 but I am not too mad about this. I was way below that a year ago. I’m still good.
BABY BUN’S NET WORTH = $11,694.73 or an increase of +$637.69 or +5.77%
At least ONE of us is doing well.
GO BABY BUN!
LOOKING FORWARD
I need this weather to warm up so that I can do more things that do not involve hiding in malls or going shopping for more things to organize the home or educate Baby Bun.
Aisha
If you owned a home would you include that in your assets as well? And just curiou on your thoughts about home ownership. Why have you chose not to purchase one. Thanks!
sherry@savespendsplurge.com
1. Yes. If I had a debt (mortgage) on it, I’d count the assets. Even if it is fully paid, I’d put the house in there but at the price I bought it. I wouldn’t bother with market valuation every year because even though a house is worth X amount on paper, if you needed to sell it NOW, it may go for Y which could be lower. Who knows?
2. I would own an apartment but only if I could pay it off 100% in one shot without a mortgage. Otherwise, a mortgage for 25+ years is paying the house again in interest alone. E.g. house is $300K, 25 year mortgage, you pay another $300K in interest alone to the bank give or take. Then there are taxes, etc.
3. I will buy a home but we are waiting for the right home / moment. It is not the time right now, we haven’t found good deals yet.
Julie
can you tell us a bit more about the kind of educational things you got for babybun? $400+?!
save. spend. splurge.
I went nuts. I bought a wall map, crayons, made flash cards, bought art supplies to play with him (this kind of kinetic sand that doesn’t make a mess but I needed enough for a sandbox.. so.. yeah that was costly), books, LOTS OF BOOKS, stickers, a little cardboard playhouse for when he’s bigger…
Chau
Hi there! Exactly how are your 401k and investment up so much? Mine have slumped since Nov of 2015 and only investment holding me is Starbucks stock! Do tell inquiring minds want to know 🙂
save. spend. splurge.
My investment portfolio at the end of 2015 has been outlined here.
Chau
Aha! Gas, good call! So what is US index? Is there a sym for that? As you can tell I am still trying to figure out a good portfolio. Lol. Like your style for saving! I cleared $30k debt in a year because I started my own consulting business too but that was completely by luck and by getting laid off. Lol. Love your blog!
save. spend. splurge.
I’m so happy you’re interested in investing. 🙂
U.S. index funds track the S&P 500, Canadian ones track the TSX.
You can read more about investing here, I’d recommend index funds. A balanced portfolio of U.S., Canada and foreign index mutual funds.
Are you in Canada?
I’d go with the TD E-Series or the index fund ETFs through a brokerage like Questrade and use referral code [ o0soehds ] for free trades.
I have tons of posts on index fund investing, index mutual funds versus index ETFs.. 🙂 Just go through my investing posts.
ArianaAburn
Sorry for my bad spelling:(
save. spend. splurge.
Looked fine to me 🙂
ArianaAburn
Hvae you tried taking Baby Bun to the library (low cost)? They have rooms for young ones to play while you read.
save. spend. splurge.
I took him to the library but there was just a sad little area with nothing to play in.
I do know they have daily programs once March Break is over, so I’ll be back to try them out!
M
Can you explain baby bun’s net worth? How does he have money when he’s just a baby? :O
save. spend. splurge.
He’s a very precocious little Warren Buffett in the making. I gave him a penny and this is what he has now.
Just kidding 🙂
It’s government federal and provincial money that they give us each month as “milk money” or “baby Bonus” that we have to claim as our income and pay taxes on. We saved aside that money for BB.
Jessie's Money
Jordan and I are doing the same thing with Little Man!
save. spend. splurge.
NICE! 🙂 *high five*