Just a quick update this month because my brain is just a goo mush right now. We started potty training our kiddo the other day and I’m seriously questioning the nature of my reality. I know this is off-topic but, seriously? Is this how we learn to handle our bodily functions? I’m honestly surprised that anyone is capable of learning how to use the toilet. This process is bananas.
So, rather than talking about urine at all (because that’s the only topic of conversation in my home right now), LET’S TALK ABOUT ANYTHING ELSE, OH HEY NUMBERS ARE A THING, LET’S DO THOSE:
Change: +$2,291 or +2.63%
June Net Worth TOTAL: $89,527
Not amazing, but not too shabby, either! Let’s dig a bit deeper into the numbers.
Still hoarding cash, begrudgingly. Unfortunately, as of yesterday, one of the two 5% interest savings accounts I was using no longer exists (the other one still does, though!). So I’ve got to figure out a new place to keep the majority of my cash savings and still get a higher-than-inflation return. I wanted to get that taken care of this month, but, well, it ended up being a busier month than I anticipated.
Not too many large, unexpected expenses this month. Two medium-sized ones, though. The first one was for new rear brakes on my trusty Camry. I took the car in for the yearly inspection and it failed thanks to brakes that were worn down almost to the metal. Uh, thanks car. Thankfully, they were having a special on brakes at my mechanic, and I do have my generously-funded Car Maintenance Fund, so it was fine.
The other medium-sized expense this month that popped up were tickets to the Cents Positive Retreat this November! Cents Positive is a short retreat happening in Denver this November, and it’s “A Safe Space for Women to Talk Money & Financial Independence.” This will be the first ever Cents Positive Retreat, and my first trip to Colorado, so I’m pretty pumped about it. Also, there’s going to be a fascinator/onesie party, so the only question I really have is should I get a new fascinator to go with my Stay Puft Mashmallow Man onesie, or is it cool to wear my Star Wars fascinator with it?
At the time of this writing, tickets are still available for the Cents Positive Retreat. If you are a woman over the age of 18 (including trans women and nonbinary people who relate more to the female experience), check it out and maybe I’ll see you there!
The markets must be holding pretty steady, because this is pretty much exactly the amount I put into retirement this month. Nothing special this month (as I continue to hoard cash), just the regular automatic HSA contributions from my paychecks.
I did send my HSA administrator an email asking for the “trustee-to-trustee transfer form” (ooo, fancy) to transfer my old HSA account into the current one offered by my employer. When I finally get this transferred, I’ll be saving ~$6/month in fees. The only downside is that I have to wait for that email with the form, because they took the form off the website recently for some reason.
Mysterious are the movements of the Kelly Blue Book value of my car! It hardly matters since I’m not planning to sell it anytime soon (ever?), but of course it’s funny to have put hundreds of dollars of maintenance into the car, and have it lose hundreds of dollars of value at the same time. Thanks car. You’re really helping me out here.
Student Loans: – $146
Still nothing special going on, just the minimum payment. It is really nice how much more of my payment goes to principal now thanks to my “credit card refinance.” I do enjoy seeing the larger principal payoff each and every month!
Credit Card: -$125
Also nothing special, just the minimum payment again. Well, technically, it’s a bit more than the minimum payment, because for some reason, I can’t get ebills for this card in my checking account. Just this card in particular. I have other Bank of America credit cards (which I pay off in full every month, if I use them), and those have no trouble delivering ebills to my checking account. Harrumph.
Hardly matters because the card will be paid off in a year anyway, but it means I can’t set the checking account autopay based on the actual minimum payment. So right now I have it set to do another year of straight $125 payments, even though the minimum payment will go down each month. Whatever, this is some serious in the weeds minutia. But it bugs me!
The Milestone: $100,000 net worth. Less than six months left to achieve this one! Thankfully, I made more than enough progress this month. I just need $1,745.50 in net worth growth every month to get there by the end of the year. Can we do it? YES WE CAN PROBABLY. DON’T OVERTHINK IT.
Other Milestone: $100,000 in retirement accounts. Ugh, it’s sooooo close that all I want to do is post a bunch of “give it to me” gifs. But the rule around these parts is that I can only post gifs when we hit a milestone. I will need a little help from the markets, or a big push into retirement account contributions, to get there by the end of the year. Thankfully, the latter is within my control and is, of course, the plan.