February Recap

Alright, it’s time for the February recap people!!! If you are new to the blog I like to do a recap of each month showcasing the ups and downs. My hope as always is that you learn something from our lives to better your life all around. Need a refresher from last month then click right here.

February was a tad bit chaotic but at the same time somewhat unproductive. Honestly it was busy because of the house, which has been a great pleasure. However, CFP studying and blog focus dropped dramatically. Simply not enough hours in the day no matter how early I woke up. But no use in crying over spilt milk, lets dig into this past month!

New Home Spending

The move, hopefully our last, went very smoothly. We skipped movers and had two very good friends help out to save on cash. At the end of the day it was totally worth it, I believe we saved a minimum of $150. We had only one type of budget on this home in February, a necessity budget. That means if the house truly needed it we would spend it and save other cosmetic needs for later. However, when we moved in we moved into a naked home. By naked I mean no furniture, which was to be expected, but they took the blinds as well!!! The house is on a busy neighborhood street with the inside of our house as a great peep show scene.

Some of the items we purchased for the home:

  • Blinds
  • Curtain Rods
  • Drills
  • Hammer & Nails

One major lesson learned is to use a professional when needed. The front and back yard is rather large. No work had been done on the yard since fall and that caused layers upon layers of leaves, straw, trash and sticks to build up. After 1 hour of raking, 2 large full black trash bags and a small dent in the yard we paid out for a yard man. Spent $260 for the full job and worth every penny…..I’m not kidding either. Worth every penny!

New Money Market Account

After the storm of preparing the home started settling we were able to focus again on our personal finances. With securing a loan it was unwise for us to move money around but we are currently in the process of switching the emergency fund to money market account. The main purpose is to skip low interest rates of a saving account to switch it with a higher interest money market account. Currently we are in the process of switching to Barclays Dream Account, below is the reasoning as to why:

  • 1.05% APY
  • 2.5 % bonus for leaving the funds untouched for six months
  • 2.5 % bonus for doing a monthly deposit

With that interest it will easily outpace our crappy savings account. Highly suggest for my readers to do the same, not necessarily with the same bank but into a money market account of your choosing. Click here for other options for your emergency fund.

Blog Updates

The stats for February totaled to 622 page views…I’m not pleased to say the least. No internet for half of the month was an annoyance to say the least. It was difficult to put in new posts as well as access to the internet hindered research. In addition, house chores took over all my available time. But enough with my excuses, I’m back on track with the blog and the CFP studying. Goals don’t care whether I’m busy or not it’s time to get moving.

March Catch Up

So much planned for March as it is my catch up month. Already March is picking up in the first few days of the month. I’m back on my regular schedule of waking up at 5:30 AM. Social media growth is steadily increasing. The Facebook group is right along in growth and I’m excited to see how many people it helps down the line. The page views as of 3/9/17 is 531 page views with only two new posts.

Tax return hit the bank account and we are planning the money already, more information on that to come soon. I have a guest post from my realtor that will knock your socks off. We will be paying off a loan account and eyeing my credit card (balance of $3,800) next. My wife and I are still on track to open an investment account where we save money monthly and wait for an investment that meets our criteria.

*looks around the room*

That is about it. Like I mentioned at the start, the month was chaotic but not productive. March is my catch up month! I hope all my readers are doing well and progressing to their goals. Much love to everybody as we all crush 2017!

 

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