cmonkey's journal

Where are you and where are you going?
Gilberto de Piento
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Joined: Tue Nov 12, 2013 10:23 pm

Re: cmonkey's journal

Post by Gilberto de Piento »

Congratulations! Off the top of my head it sounds like deep six figures. Wow! Good for you!

cmonkey
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Joined: Mon Apr 21, 2014 11:56 am

Re: cmonkey's journal

Post by cmonkey »

I double checked my employment contract and turns out even part time work in the same field isn't allowed, so I'm just gonna quit and start full time with my old employer. It's feeling right to leave now anyway since my buddy has left and work is just getting more and more muddled. They have so much going on and it's not well managed at all these days. It was better a year ago.

Thanks all, yes I'm well into 6 figures now. The quick calculation is to double the hourly rate and then add the first digit to the total (70*2+7) and you get pretty close to the annual amount. :D

Being pretty much FI at this point (our FAI is topping our expenses this month!) this is all just gravy now and I'm doing it merely because they came asking. It feels a bit different. Not sure how long I'll do it but it may be well into next year now.

classical_Liberal
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Re: cmonkey's journal

Post by classical_Liberal »

Ahh another victim to OMY... there are definitly worse things. :D

cmonkey
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Re: cmonkey's journal

Post by cmonkey »

classical_Liberal wrote:
Fri May 17, 2019 3:59 am
Ahh another victim to OMY... there are definitly worse things. :D
Indeed! I think all along I have wanted to work a little longer, this is just making it easier. As soon as I don't enjoy it anymore, I can just be done! Given my work/life balance at the moment I consider myself semi-retired already TBH. Moving to MN is going to enhance that even more. 7 days until we pack the truck up!

Cheepnis
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Re: cmonkey's journal

Post by Cheepnis »

I haven't delved into your journal much because 44 pages is intimidating! So while I have nothing to really say about your current affairs, I would still like to offer a blast from the past and say damn that is (was?) a killer garden! I aspire to your level of green thumbness!

cmonkey
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Re: cmonkey's journal

Post by cmonkey »

Cheepnis wrote:
Sat May 18, 2019 2:00 pm
I haven't delved into your journal much because 44 pages is intimidating! So while I have nothing to really say about your current affairs, I would still like to offer a blast from the past and say damn that is (was?) a killer garden! I aspire to your level of green thumbness!
Ha! Thanks, it's just a large patch of weeds at the moment given we are selling the place and will likely be grassed over eventually. Most of the flowers and non-edibles are still around though.

We'll do the same thing at our new place!

Gilberto de Piento
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Re: cmonkey's journal

Post by Gilberto de Piento »

cmonkey, how are things going these days?

cmonkey
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Re: cmonkey's journal

Post by cmonkey »

Gilberto de Piento wrote:
Fri Oct 18, 2019 8:33 am
cmonkey, how are things going these days?
Things are going! Every so often I think I should update here so thanks for reminding me again. Lots has happened in the past 5 months!

MINNESOTA!

The biggest change would be moving to MN. We've been in our new house for 4 months now and it's been a mixed bag to be honest. The house has fantastic bones, being a 1900 Edwardian. It was a complete wreck about 10 years ago and has changed hands several times and none of the owners knew how to do DIY work. So the house is needing a lot of work yet!

We've been doing mostly cosmetic work - painting mostly! We are also putting down carpet where we want it and new trim. So far we've only finished bmonkey's room, but we've moved on to our library/sitting room now.

I would show photos of the house but a google image search would quickly reveal where we live - yes it's that unique. I might show some anyway if anyone wants to see it.

The house came 'turn-key' which means the last owners sold the house packed with crap. We sold everything and made just over $4,000 in cash.

We also HATE living in town. Our neighbors are terrible. Looking around from our lot we counted over 20 dogs. The husky across the road gets loose once a week and runs all over town. :lol: :lol: :lol:

However, we LOVE living 2 blocks from the library. Our reading activity has increases substantially.

We sold our Illinois home in July for a very fair price.

Both of us have switched to commuting around by walking/biking and haven't driven the truck much. Walmart is 1.7 miles away, the library is 2 blocks away, our friends are 0.5 mile away and her parents are 1 mile away. So why drive?

Gardening

Gardening here is bordering on being a massive disappointment. The soil is super sandy so it drys out very fast. It has almost no nutrition. Our yard is also completely contaminated by huge black walnuts.

We also didn't have time to do anything substantial this year.

Job

I switched jobs back to my old employer in mid-June right as soon as we moved! It's been pretty great as the pay is substantial, the work is easy and it's 100% WFH, no travel. The work itself isn't much different from when we were doing technical work prior to my leaving. So I basically just doubled my pay over 2 years in the exact same position doing the exact same work....simply by leaving and coming back.

Finances

Financially we have never been closer to FI -

SWR - 3.5% - we would have been at 3.37% currently, however our health insurance decided they don't want to do gym reimbursements anymore...
Years - 28.5
TTM Expenses - 12,700
FAI - 12,200
FI Funds - 363K

I've been plowing money into 4 week bills for the past month or two and so FAI has not gone up very much since yields are falling.

We are going to hit 3% in January/February.

As of last month we are running a surplus of dividend income and it's only going up from here! :D :D

Bmonkey

Most importantly, bmonkey is thriving! Mayo clinic told us her heart is perfect back in June and to to come back in a year. She has gained weight and height percentile over the past few months. She turns 9 months old on Wednesday and just walked across the room the other day. :shock:

She just blathers MAMAMAMAMA all the time and just started doing DADADADADA last week too. But no teeth yet!

FBeyer
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Re: cmonkey's journal

Post by FBeyer »

cmonkey wrote:
Sun Oct 20, 2019 9:42 pm
... So I basically just doubled my pay over 2 years in the exact same position doing the exact same work....simply by leaving and coming back.
... She turns 9 months old on Wednesday and just walked across the room the other day.
AAAAAAaaaaawwwwwwww YISSSSSSSSSSSSSSSSSSSSSS!!!!!! :D

vexed87
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Location: Yorkshire, UK

Re: cmonkey's journal

Post by vexed87 »

Walking at 9 months? Like furniture walking or unassisted? If it's the latter, she really is thriving! Glad to hear she is doing so well.

cmonkey
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Re: cmonkey's journal

Post by cmonkey »

vexed87 wrote:
Thu Oct 24, 2019 4:39 am
Walking at 9 months? Like furniture walking or unassisted? If it's the latter, she really is thriving! Glad to hear she is doing so well.
She's been furniture walking since mid September so she was like 7.5 months old and has mastered that. She took her first unassisted steps last week and now this week she's able to go about 4 or 5 feet once in a while, but usually less than that, but it's pretty drunken stepped. :lol: She usually starts walking and then dives into our arms. She is so determined to stand/walk it's incredible how fast she is improving.

cmonkey
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Re: cmonkey's journal

Post by cmonkey »

Here's the best proof I could capture....

Image

Image

I remember folks enjoyed my renovation project a few years back and so I thought I share some of what we are doing here. It won't be as extensive, although if I were going to do it right I would completely gut this place - it does need it. Instead we are focusing on total cost instead and making the most cost effective improvements we can which amounts to painting and new flooring for the most part.

The house is severely lacking in even the most basic of storage areas (no closets, shelves, etc...) so we are also making some.

Here is an improvement we are making to our kitchen area. This was just a drywalled up section of wasted space so I cut out the drywall, re-drywalled the entire inside and we are making floating shelves using scrap wood and some very cheap plywood. I'll post a photo of the finished project when we get it done.

Image

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C40
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Re: cmonkey's journal

Post by C40 »

Wow - sounds like you have a lot of good things going for you now. That's great :-)

cmonkey
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Re: cmonkey's journal

Post by cmonkey »

C40 wrote:
Thu Oct 24, 2019 10:38 am
Wow - sounds like you have a lot of good things going for you now. That's great :-)
Yea we are in a great place in life currently. 2019 has been a very stressful, transformative year for the both of us, probably the most ever, with all that entailed bmonkey's birth, moving and job switching. We've also just been decompressing from the first half of the year.

classical_Liberal
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Re: cmonkey's journal

Post by classical_Liberal »

Baby is cute as ever! Great to read the health scare is over.

cmonkey
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Re: cmonkey's journal

Post by cmonkey »

Since moving to MN, we've been doing our part to reduce food waste in landfills. There's a program that operates across the upper midwest which takes near expired food and gives it to you for pennies on the dollar. Each month costs $20 (no tax).

Last night DW and I priced it all out and our best estimate is that we $258 bucks worth of food this month. Much of it is organic, expensive, premium stuff that simply isn't selling and so get's put into the pile of goods. Some stuff is a regular occurance like Halo Top ice cream and 6 lb bags (sometimes 2!) of Webstaurant Mashed Potatoes.

This month was really good, we got 15 lbs of chicken wings/nuggets, some Mexican pancake mix ($18 for this one) and a whole ton of really good snacks includig stuff from Kroger which is no where near us geographically. Also, the Halo Top would retail for $70 just by itself!

So far our food expenses are down about 48% since we moved, thanks in large part to this. It's sorta like getting 90% of the puzzle pieces you need each month to make meals and we have to fill in the remaining 10%. I'm pretty sure we can do better too.

Here's a pic of what we got -

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classical_Liberal
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Re: cmonkey's journal

Post by classical_Liberal »

@cmonkey
That's fantastic! What is the program called and how does it work? I'm assuming this is not taking from folks who would otherwise get it for free based on need.

cmonkey
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Re: cmonkey's journal

Post by cmonkey »

classical_Liberal wrote:
Wed Nov 20, 2019 1:56 pm
@cmonkey
That's fantastic! What is the program called and how does it work? I'm assuming this is not taking from folks who would otherwise get it for free based on need.
It's not a food shelf program, no, but I suppose indirectly it does, since the leftovers of the leftovers go to food shelf folks. But there is always a lot of extra. If we go toward the end of the distribution they are practically throwing food at you. Thus the 18 pints of ice cream this month....

It's open to everyone regardless of income or asset level. Basically just for super frugal folks.

It's called Ruby's Pantry.

7Wannabe5
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Re: cmonkey's journal

Post by 7Wannabe5 »

Your baby is so cute!

I used to attend monthly food auctions in order to acquire similar deals. With the auction format, you had to make very quick decisions about whether you really did want that many boxes of fresh produce or that many servings of gourmet dessert. It did add some variety to our menu at the time which was otherwise limited to super frugal meals kids will eat, such as potato pancakes with homemade applesauce or the Tightwad Gazette Universal muffin and casserole recipes.

classical_Liberal
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Re: cmonkey's journal

Post by classical_Liberal »

Thanks! They have two locations, each about 40 miles away though. Seems like a long journey for food when i have two grocery stores within 1 mile and a costco 5 miles away. Still, it'll be worth a try, at least for the experience. Whether or not I go back with depends on the overall usefulness of my haul. I have no idea what I'd do with so much ice cream! :lol:

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