A Birthday Meal and My February Financial Update with Net Worth

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One of my best financial updates yet! I managed to keep my expenses super low in February. Also check out the post to see my income, savings and net worth!I’ve been looking forward to writing this February financial update ever since the month ended!  February ended up being a month where I had very low expenses.  It helped that the month was shorter than normal.  If only I could have low expenses like this every month!

Mr. Frugal Turtle Turns a Year Older

February was Mr. Frugal Turtle’s birthday month!  He took the day off from work and we spent the day together on his birthday.  I didn’t get him anything for his birthday.  We usually don’t do gifts for any occasion, so this is normal.

I did, however, take him to a Mexican Restaurant that gives free meals on birthdays.  Several of his siblings and their significant others were able to join us for the grand occasion.  There’s no better way to spend your birthday than surrounded by loved ones!

What Else Happened In February?

I ended up getting a nasty cold in the beginning of the month and it took a couple of weeks before I was feeling better.  I’m just happy Mr. Frugal Turtle never ended up getting it.  It had me completely down for the count for an entire weekend!

A new grocery store opened up in the area!  Fresh Thyme opened up late in January and I finally got to go there in February.  For someone who actually enjoys grocery shopping this was a big deal!  There was so much hype about this store that I couldn’t wait to see what the big deal was.

The verdict: it’s cheaper than other grocery stores on some items.  Other items they are more expensive.  Just like every other store.  It just goes to show you that you have to pay attention to prices no matter where you are.

On to the numbers!

February Net Worth

I ended February with a net worth of $115,121.53.  My goal for this year is to end the year with a net worth of $150k.  If I can reach $125k by the end of June I think I have a good shot of reaching that goal.

My net worth includes my retirement accounts and my regular savings account.

I use Personal Capital (affiliate link) to keep track of my net worth.  Personal Capital is really easy to use and I have to admit, I’m kinda addicted.  You can link your credit cards, banks, and investment accounts to this site and it updates all the time.  I log in and check my net worth almost every single day.  It also has a pretty sweet retirement planner that tells you what you can work on to make your retirement even better. Continue reading “A Birthday Meal and My February Financial Update with Net Worth”

Is Netflix Worth the Expense? Plus My January 2017 Financial Update with Net Worth

My January 2017 Financial Update with Net WorthHappy February and welcome to my January financial update!

So far February isn’t treating me very well.  I seem to have caught the bug that is going around at work.  It’s early yet, but I really hope I don’t need to miss work because of it.  I hate calling in sick!

January would have been an impressive month as far as low expenses go, however, my car and renter’s insurance were due last month and I always pay in full.  So that added an extra $385 to my expenses.  Doh!

Oh well.  I still had a pretty good month!

Should I cut Netflix from my life?

One expense that I’ve been thinking about getting rid of is Netflix.  I have the one-disc-out-at-a-time plan.  I really like Netflix and I think it’s a good way to go if you watch and return the movie in a reasonable amount of time.  However, if you’re like Mr. Frugal Turtle and I, sometimes it’s a few weeks or a month before we get around to watching the movie together.

Basically, sometimes it feels like we’re paying $8.54 to rent one movie. Which is way too much.

Most of the time we are pretty good at watching the movie and getting it in the mail pretty quickly.  But the weekends where one or both of us is working, it doesn’t get watched.

We work a lot of weekends, especially in the spring, summer and fall months.  Plus, I work on the day-shift and Mr. Frugal Turtle works the night-shift.

Yes, we could watch the movie separately, but we enjoy watching them together.

And Mr. Frugal Turtle pays for the streaming plan, which, let’s be honest, doesn’t always have the best movies to pick from.  That’s why we still have a disc plan.

I need to ponder this more.  It might be time for me to cut this monthly expense and visit the library’s DVD section more often.

on to the numbers!

January Net Worth

I ended January with a net worth of $109,976.97.  Would it be reasonable to have hopes of achieving $150k by the end of this year?  That’s the number that would really make me happy on December 31st.

My net worth includes my retirement accounts and my regular savings account. Continue reading “Is Netflix Worth the Expense? Plus My January 2017 Financial Update with Net Worth”

A (Mostly Financial) Look Back at 2016

I can’t believe how fast January is going!  Time really needs to slow down.  I feel like every time I look in the mirror there’s another grey hair.  Ha!

A (Mostly Financial) Look back at 20162016 overview

But seriously, I want to take some time and reflect on the past year.  2016 was a pretty good year for me.  One of the best things that happened was I went from being a night shifter to a day shifter.  Working during normal daylight hours makes me so much happier!

Mr. Frugal Turtle and I went on our favorite type of vacation.  Camping! We had a blast hiking and checking out the caves at a State Park. Hopefully we can go on a couple of camping trips this summer.  Even if they’re short, it’s still incredibly relaxing to sit by a campfire, listening to the sounds of nature.

In November I hit my net worth goal for 2016.  I finally hit $100k net worth!  I’m not going to lie, it feels really good to finally cross over that amount.  It took a long time!  I had some debt that I had to take care of before I could really focus on saving for early retirement.

2016 by the numbers

Net Worth

I started 2016 with a net worth of $68,842.88.  I ended the year with a net worth of $105,741.88.  A difference of $36,899.  Wow!  That’s pretty good.

Looking back through my records, the amount that I put in my IRA, savings account and 401k was $28,358.48.  Investing (mostly) in the stock market boosted my net worth by $8,540.52. Continue reading “A (Mostly Financial) Look Back at 2016”

December Financial Update with Net Worth

As I write this net worth update, January is almost over.

That means our Minnesota winter is about half over with.

I can’t wait for spring!

I’m not a fan of winter, or the short days, or the bad, slippery snow-covered roads, or the dreariness that seems to accompany our winters in the north.

It’s not all bad, though.  I love curling up on the couch with a blanket and a hot cup of tea.  Where our fur-baby will inevitable come and cuddle on me and warm me even more.  That’s my happy zone.

Here is my net worth update for December! Read all about my finances in this blog post. Find out how much I spent, earned and saved in December.Where Did December Go?

December came and went way to fast.  Usually my employer gives everyone about a week and a half off around Christmas and New Year’s.  I look forward to that time off all year.  Unfortunately, that didn’t happen this year.  Due to increased demand, we only got the weekend holidays off in 2016.

Luckily I had vacation time that had to be used by the end of the year, so I did sneak in a few days off the last week.  It’s just nice to relax with all the holiday festivities and gatherings that occur.

Back in the beginning of the month, Mr. Frugal Turtle and I and a couple of our friends went to see Trans-Siberian Orchestra.  What an awesome concert!  This was the second time that I’ve seen them and it was just as great this time around.  I highly encourage everyone to see them if they get the chance!  They put on an amazing show!

I paid for Mr. Frugal Turtle’s ticket.  If I remember correctly he picked up a dinner tab and bought groceries to make up for it.  We don’t keep exact records of who owes who what.  It all evens out in the end.

As far as Christmas gifts go, I spent close to $200.  That amount is slightly more than normal, but not enough to break the bank.  I bought gifts for my little niece, my parents and the person whose name I drew for our name exchange.  Mr. Frugal Turtle and I don’t exchange gifts for Christmas.

I also bought myself a new pair of boots and some leggings in December. I’ve been wanting a pair of black riding boots for some time, and when I finally found a pair I liked for a decent price, I scooped them up.

On to the numbers!

December net worth

I ended the year with a net worth of $105,741.88.  It still feels amazing to be over $100k net worth.  This frugality stuff actually works!  It feels pretty good to see that number go up and up.  Unfortunately, it’s a slow process.  No one ever said my goal of early retirement was going to be easy to achieve.

My net worth includes my retirement accounts and my regular savings account. Continue reading “December Financial Update with Net Worth”

November Financial Update with Net Worth

November Financial Update Hello!

I’m here with November’s financial update.  November was a pretty good month!  I spent a large part of it in the kitchen.

You see, Mr. Frugal Turtle loves pumpkin.  It doesn’t matter if it’s in pie, bread, muffins, bars, or cake.  If pumpkin is in a dessert.  He’s going to love it.

I love pumpkin also.  Maybe not quite as much as Mr. Frugal Turtle, but pumpkin pie is one of my favorite desserts.

My brother, knowing our love for pumpkins, decided to gift us around 30 pie pumpkins from his garden.  That’s a lot of pumpkin!

I don’t know how many hours I spent in the kitchen roasting, pureeing, draining, measuring, and scooping into freezer bags said pumpkin.  It was a lot!  I told Mr. Frugal Turtle that 2017 will be known as the Year of the Pumpkin in our household!  We’ll be baking and eating pumpkin desserts a couple of times a month if we want to use up all the pumpkin by the end of the year.

Spending so much time in the kitchen must have helped keep my expenses down, because I didn’t spend a whole lot!

The only unusual expenses for that month include an oil change for my car and a badly needed hair cut for me.  I still haven’t jumped on the cut your own hair bandwagon.  I’m scared! So, until I get over my fear, I’ll happily pay to get my hair cut a couple of times a year.

On to the numbers!

November net worth

By the end of November I had a net worth of $101,538.45.  I made my goal of $100k by the end of the year!!  I kept that little number to myself for a couple of days while I soaked it in.  Eventually I told Mr. Frugal Turtle.  He was pretty happy for me.

My net worth includes my retirement accounts and my regular savings account. Continue reading “November Financial Update with Net Worth”