How Did We Do on Our 2016 Goals?

2016 has been a challenging year in many ways. Financially, we have persevered through the challenges and done pretty well in spite of them. Considering the fact that we were paying $150 a week for Little Stapler's occupational therapy and then I got laid off (again), I'd say we're doing OK.    Before we get to the numbers, I want to introduce you to Sarah Li Cain, the newest blogger here at Stapler Confessions. Sarah runs her own site, High Fiving Dollars, where she tells her own Read more [...]
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October 2016 Net Worth Update

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It’s been a while since I revealed our finances. If you missed it, the last time was back in April. Back then, we cracked the positive net worth ceiling. Despite being laid off in July, we continue to be in the positive. // You may have noticed that my articles have gotten fewer and further between. I truly enjoy writing on Stapler Confessions, and now that I’m typing up another Net Worth Update, I realize now much I missed doing these. The pace of life has quickened, however, and the Read more […]

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Positive Net Worth! {2016 First Quarter Update}

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A lot has happened since my last net worth check-in. Un-Anticipated Expenses: A $1,300 snowblower that costs more than one of our cars. $70 of food spoiled after losing power for 36 hours. $700 generator to prevent pipes from freezing, but was returned when the power came on 10 minutes after we got it home. $625 for six months of pre-paid piano lessons for Little Stapler. $135 keyboard for Little Stapler to practice piano. (We will buy a piano if he sticks with his lessons and practicing) That’s Read more […]

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January 2016 Net Worth Update: We’re Getting Closer to Zero!

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Don’t worry — I wasn’t hiding anything from you when I didn’t post a net worth update last month! I was just too busy making Christmas happen for my family. Now that the holiday season has died down, I have a chance to regroup and debrief about December. Plus, I think it’s really important to look at the year ahead and set some goals and priorities. (adsbygoogle = window.adsbygoogle || []).push({}); I’m thrilled to report that we moved the needle even closer to zero last month! I’m Read more […]

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November Financial Update: Two Years of Financial Updates!

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This month marks the 25th month of exposing our personal finances. It’s hard to believe how far we have come in the past two years. Despite being laid off and cobbling together an income for the majority of the time, we increased our net worth by over $75,000. Wait a minute. Let’s absorb that number. We increased our net worth by over $75,000.  The entire time — and I mean the entire time — it felt like we weren’t getting ahead, just barely getting by. Our frugal dedication wasn’t painful, Read more […]

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October Financial Update: Phew!

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This month feels great, after last month’s financial doldrums. We have our $1,000 Emergency Fund cushion and were able to meet all of our expenses in September. We set aside $400 into a “capital expenses” savings account, which helps me breathe a small sigh of relief. I feel as though we are on more stable financial ground (funny what $1,400 can do), and moved to a monthly daycare payment instead of a weekly payment. There’s no change in the price, it’s just 3 fewer checks to write each month, Read more […]

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September Financial Update: I Hate Money

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I feel overwhelmed with the prospect of never getting ahead of our expenses. It’s the danger of owning a home at the very top of our price point. We knew that times would be tight at first and have been hoping for that moment when we’ll get a little bit of financial breathing space. Now that kindergarten has started and we have eliminated the $1,000 monthly daycare expense, I had hoped to be breathing big, deep, breaths. Yet, I look at the next few months of expenses and our goals for the next Read more […]

August Financial Update:

Let's start with the good news: We got $500 back into our Emergency Fund! It feels so good to have a safety net again, even if it is really tiny. It's still something. I set up a new retirement account. My new job matches up to 3% of my retirement contributions, so I set up a 3% contribution. 6% per year is not a boatload of cash, but it's better than nothing -- and 3% of it is free money. That's hard to pass up. You may have noticed that there is some new advertising on the blog. It's all Read more [...]
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July Financial Update: Bye Bye Credit Card Debt

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Did you miss my monthly financial updates? I was too embarrassed about our credit card debt to post one last month. Now that I’ve come clean about it, and we received The Check, I’m breathing a sigh of relief over most of that mess. I would like to say that we’re putting it all behind us, but I realized that, particularly until Little Stapler goes to kindergarten, we will have to watch our spending like hawks. To that end, we are using the cash envelope system for managing our spending. It forces Read more […]

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May Financial Update: Feeling the Pinch of Home Ownership

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This past month has been wonderful emotionally and a bit stressful financially. When I walk out my door in the morning, I am assaulted by a cacophony of birds and the smell of a pine forest. It feels like I am on a camping trip and just got out of my tent in the morning. I think to myself, “time to build a camp fire.” I love our new house. I love our land. I love our community. I am very, very happy. I have a different feeling when I sit down to puzzle through our family ledger. There Read more […]