February 2018 – Financial Update

I’m a bit late getting this out… But I’m away for work right now, so it’s a little harder to get all my numbers sorted out… And I’m missing some because I have them saved on my home computer… Which is obviously at home…

Anyway…

We are already over a month in to 2018, so it is time to do a quick check-in on the finances to see if I’m on track to meet my financial goals for 2018. Continue reading

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Financial Goals for 2018

To quote one of my all time favourite books, Anne of Green Gables, “isn’t it nice to think that tomorrow is a new day with no mistakes in it yet?”  And so, with the beginning of a whole new year of tomorrows with no mistakes in them yet, it’s fun to give ourselves a reset, a fresh start, to work towards new goals.

Last week I reviewed our financial goals from 2017, and so I wanted to move from that to discussing our financial goals for 2018.  It is difficult to think too far in advance for this year because so much is up in the air once March hits and baby is scheduled to arrive.  We haven’t made any final decisions with respect to maternity or paternity leave yet, so that also makes it hard to plan too far in advance…  But, even if everything changes and I have to re-evaluate my goals in 3 months, I’d rather have something to work toward than not… So, here goes with my financial goals for 2018: Continue reading

2017 in Review: Financial Goals

Happy New Year!

As is the trend in the blogging world, the start of a new year is when we review the year before and make new plans or goals for the new year.  I am no different.  I reviewed my personal/miscellaneous goals already, but it is now time to review my financial goals for 2017.  I’ve been reviewing these every month all year long, so none of these results should come as a complete shock, but it is always good to review and reflect. Continue reading

December 2017 – Financial Update

I’m feeling a little like I’ll never catch up on my to-do list items, and so the blog seems to always be the things to get left behind… But it’s time for another financial update and review of our financial goals for 2017, so I have pulled together enough for at least this post… So here’ goes…

#1 – Emergency Fund

Another month of successfully avoiding pulling anything from the human emergency fund.  It is still sitting at the happy $10,000 mark.

November was another month of just regular pet expenses, so we were able to add a little to the pet emergency fund.  I’m not sure we will get to the $5000 before the end of the year, but it is still moving in the right direction, so I’ll count that as a positive.

Human Emergency Fund = $10,000

Pet Emergency Fund = $3720 (+$225) 

Continue reading

November 2017 – Financial Update

This post was supposed to go up yesterday… But, well, I wasn’t that organized… Oh well.

Time is just flying by… Can you believe that there are only 2 months left of 2017?!?

With the ever-present chaos in our house, I’m still struggling to get all the data required for these updates, but let’s just see what we can do with what we have and take a quick look at how we are doing on my financial goals for 2017. Continue reading

October 2017 – Financial Update

So, let’s not talk about how I fell off the blogging wagon… again… Let’s just move on, shall we?

Unfortunately, because of the chaos in our house with the renovations, the computer that I have stored my normal spreadsheet with all my financial stuff is packed away in a dark corner of my basement, so I’m going to only be able to give you a partial update here…

Anyway, let’s just get on with it… Here’s a quick partial update on my financial goals for 2017. Continue reading

Baby Step 3, or 4, or Both?

Sunflowers - Baby Steps

When I started this blog, I sort of thought I’d be more in the personal finance genre, but, honestly, I don’t think I ever really fit that mould, and, if I had to classify my blog, I guess I’d put it in more of a lifestyle category… But only my lifestyle… not a stylish lifestyle… So maybe it really is just a personal blog… I don’t really know…

Anyway, the point being, I don’t really write about much personal finance other than my monthly financial update posts.  I do, however, read and follow loads of personal finance and FIRE (financial independence & retire early) blogs.  In the personal finance world, most people are familiar with Dave Ramsey.  While I have never actually read any of his books or attended any seminars or anything of the like, I have read lots of blog posts about his methods, and have visited his website a few times…

The other day I read a post (can’t remember where now, sorry!) about his 7 baby steps and decided to take a look at them for myself and see where I stand… So, here’s my take on our status with respect to Dave Ramsey’s steps: Continue reading