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Sometimes I get really annoyed with the online places I shop begging me to do reviews immediately. Amazon is the worst offender for this. Don't get me wrong, I will review products, but not two days after I get them. I want to use a product for at least a month before I review it. Take my sheet set for example. If I had reviewed it after the first day I used it, I would not have had the experience of the pillow case hem unraveling yet. I don't like to jump the gun. Sometimes...
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Just found out about losing 6 months’ worth of blog entries, that sucks.

Anyway we have been away camping - spent $245.45, a very reasonable price we cooked all but one meal.

September total expense was $2598.63. Grocery was only $201.96.

I think I will skip most of my goal update in this entry, I’m not sure it’s worth it. But goal 1 is now pretty much done at least it will be by the end of this month.

Reading – didn’t get much reading done in September...
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While the blogs were down we had a really fun vacation to MN. We went to 2 MN Twins games, and also went to 3 casinos! MO had great luck and had two handpays so we came home way ahead. I planned on putting some of the money in savings, but it looks like it's going to be going to a bunch of bills instead, which in the long run is keeping us from taking money out of savings, so that is good. We had a $700 vet bill, 4 new tires on the old truck, poured a cement patio at one of...
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Well....losing six months of blog entries sucks!! But I will just have to pickup and carryon....no idea what sale number I am on, so I am just going to guess with #1400.

It was a good week for sales, sales were $172.00!

Sale #1400 (LW) $4.00
Goody Hair Ties (2) (Joint with my FIL) - We paid $.80 each
Sold for $2.00 each
Profit = $2.40

Sale #1401 (SM) $3.00
Athletic Works Hot Pink Cat Sweatshirt(Joint with my Bro) - We paid $1.07
Sold for $3.00
Profit = $1.93

Sale #1402 (CN) $4.00
Thanksgiving...
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Sorry for the big dump of posts! I went through Google and rescued every missing entry I could find that was cached. Then I read you could do the same with the Yahoo search engine, and it turned out there were a few posts cached there that hadn't been on Google!

Life is still careening along at a breakneck pace in the ceejay household. AS was on a business trip last week (speaking at a bookseller convention in Ohio), and then she met me and a friend south of the Twin Cities...
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Originally posted
September 24th, 2019 at 02:07 pm

Another blog post already?! Let's see if I can manage it!

The past year or so I've kind of felt like I'm living a charmed life. Yes, some problems cropped up but overall I was just super happy. Now life is feeling more like a series of ups and downs. Not terrible but a lot bumpier than before.

Up: Our kitchen reno is finally getting back in gear. I have some hope we could get it done this year or early 2020! We'll have...
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Originally posted
September 16th, 2019 at 11:35 am

Well let's see, it's been two months since I posted something that wasn't just updating numbers, and FOUR months since I really did a full life update, so here goes!

We continue to be busy busy busy! But it's by choice so I can't really complain. Solo trips, family vacations concert nights and parties galore. We haven't been exactly frugal, and our shared spending and travel budgets are in the hole, but it's been a fun (if...
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Originally posted
September 1st, 2019 at 09:02 pm

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $78,579
NT's Roth IRA: $37,121
AS's trad. IRA: $20,071
AS's Roth IRA: $57,186
AS's SEP IRA: $31,975
AS's cash: $2,259
CJ's 401(k): $144,812
CJ's Roth IRA: $41,317
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,124,343

Debts:
US...
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Originally posted
July 6th, 2019 at 02:03 pm

Goal: $776,700 by March 2024

Current retirement balance: $489,155

Still needed: $287,545

April 2019 balance: $473,628

Progress since April 2019: +$15,527

There are 57 months to go before March 2024, so that means we need assets to appreciate $5,045 per month on average to meet our goal.

Overall goal: saving 8x income by retirement (age 65)

Incremental goal explained: getting my and NT's retirement to 4x our salaries...
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Originally posted
May 31st, 2019 at 09:27 pm

Jeez, I think the last time I managed a proper blog post that wasn't just updating numbers, it was early March! That's almost three months!

Well, there's no way I'll be able to sum up three months' worth of doings, so let's see how many highlights I can pack in.

- March was bday month. It was great if hectic. We spent a TON on AS's 40th party (she hardly ever wants anything extravagant so I went all out fulfilling her request)....
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Originally posted
May 31st, 2019 at 12:56 pm

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $73,847
NT's Roth IRA: $33,922
AS's trad. IRA: $19,371
AS's Roth IRA: $53,813
AS's SEP IRA: $30,041
AS's cash: $2,259
CJ's 401(k): $137,532
CJ's Roth IRA: $38,476
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,100,284

Debts:
US...
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Originally posted
May 2nd, 2019 at 02:53 pm

All our mortgage payments hit:

US: $745 to principal
UK1: $181
UK2: $38
UK3: $40

In total, $1,004 went to principal.

Updated debt totals:
US Mortgage $379,470
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,508
UK Mortgage 2 $6,431
UK Mortgage 3 $6,773
---
TOTAL DEBT $432,182
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Originally posted
September 3rd, 2019 at 12:11 pm

So turns out I never recorded my August debt pay-down. I don't think that's happened in 12 years!!

I don't know what the exact amounts were, so I'm just recording a combined August and September amount here. It does explain why my debt hadn't gone down for my net worth update--I thought it was because I'd recorded August early but apparently it was because it wasn't reflected at all!

US mortgage: $1,505 to principal in...
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Originally posted
August 3rd, 2019 at 08:15 pm

Goal: $776,700 by March 2024

Current retirement balance: $490,425

Still needed: $286,275

June 2019 balance: $489,155

Progress since April 2019: +$1,270

There are 56 months to go before March 2024, so that means we need assets to appreciate $5,112 per month on average to meet our goal.

Overall goal: saving 8x income by retirement (age 65)

Incremental goal explained: getting my and NT's retirement to 4x our salaries...
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Originally posted
July 31st, 2019 at 09:26 am

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $78,908
NT's Roth IRA: $37,071
AS's trad. IRA: $20,530
AS's Roth IRA: $57,666
AS's SEP IRA: $32,810
AS's cash: $2,259
CJ's 401(k): $148,563
CJ's Roth IRA: $41,376
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,130,206

Debts:
US...
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Originally posted
July 17th, 2019 at 08:52 pm

As I mentioned in my previous post, I've finally self-published one of my novels! And, because we've got so much going on financially (and because I have zero confidence in my ability to sell copies, TBH), I've tried to do it as cheaply as possible. Here's what I've spent so far (and what I've managed to do for free).

Editing/proofreading: Free. (AS did a round and I did several.) Well, I did purchase some book editing software...
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Originally posted
July 11th, 2019 at 08:09 am

Well, self-published, but it's still exciting!

I finally managed to get one of my NaNoWriMo novels edited and uploaded to a self-publishing platform.



It's now available on most bookselling sites as both an ebook and a paperback, if you want to check it out! (Warning: It's a thriller and a little bit gory and raunchy, in case that's not your thing!) Just search "Viral Berkeley" and it should come up.

I decided to publish...
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Originally posted
July 6th, 2019 at 01:39 pm

I'm just catching up on finances because we were away at a no-screens lakeside vacation in Wisconsin!

While we were gone, all our mortgage payments hit:
US: $750 to principal
UK1: $182
UK2: $38
UK3: $40

All told, $1010 went to principal.

New debt totals:
US Mortgage $377,973
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,146
UK Mortgage 2 $6,355
UK Mortgage 3 $6,693
-----
TOTAL DEBT $430,167
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Originally posted
June 3rd, 2019 at 02:12 pm

I don't know if the blogs are messed up, but PatientSaver's blog seems to be retired, with the last entry posted in 2018? Does anyone know anything? Did I miss a farewell or any kind of explanation? Or is this just a temporary glitch, do you think?

25 Responses to “PatientSaver?”

crazyliblady Says:
June 3rd, 2019 at 02:19 pm

I think it must be a glitch. I think she had more current entries than June 2018.

...
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Originally posted
April 30th, 2019 at 09:15 am

Goal: $776,700 by March 2024

Current retirement balance: $473,628

Still needed: $303,072

March 2019 balance: $452,766

Progress since March 2019: +$20,862

There are 59 months to go before March 2024, so that means we need assets to appreciate $5,137 per month on average to meet our goal.

Overall goal: saving 8x income by retirement (age 65)

Incremental goal explained: getting my and NT's retirement to 4x our...
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