Friday, September 19, 2014


I reactivated my Facebook account to get on the local classified page.  I happen to see that one of my friends rented a stretch limo for her kids' birthdays.  Guess how old they are?  5 and 8!!  Wtf?  I immediately felt a bit of jealousy.  This friend is the "perfect" mom.  Her kids are in several activities and are just the perfect little kids.

My kids are wonderful, BUT not perfect.  Currently they are not in any activities.

I deactivated my Facebook account right away.  I don't need to feel like that and I do feel that FB is one big competition.  Paint the perfect life for everybody to see.

Tuesday, September 16, 2014

Investing our EF

I love the 15th of every month because its my commission check.  I usually have an idea of how much it will be but I eagerly check my bank account to see how much it actually is.  Yesterday's pay was good.  I earmarked $2500 to go to our new investment account.

My new plan for the investment account is to have at least 6 months of expenses between that account and our regular savings account.  We have a hard time keeping over $10,000 in our savings account because something always comes up.  The investment account will still be fairly liquid but not as easily accessible.  I want to get $24,000 between the two accounts for starters.  That would be 6 months of bare bones budget of $4000.  We had over $11,000 in our savings account and $8000 in our investment account before the new transfer.  

But wait?  One's EF is supposed to be liquid, not invested.  Yeah, but I'm okay with the added risk to make more money.  We still have our regular savings which I want to keep $10,000 in and we have our home equity line of credit with $28,500 available.  I think we can handle any of the small emergencies.

Is your EF completely liquid?  Do you think this is a silly idea?

Sunday, September 14, 2014

Sunday Funday

We are winding down a super busy weekend.  We left on Friday after work and headed to my BFF's house about 3 hours away.  It was our annual weekend to make salsa.  We made a huge batch of salsa.  It turned out very good but I wish it was a bit hotter.  We visited, rode four wheelers, had a bonfire and just hung out.  We came back last night so Lil Punk and Baby G would sleep the whole way.  It was a fun day and a half.

Today we had a relaxing day.  I dug out most of the potatoes and onions from the garden.  I still have a few in there.  I picked most of the peppers and the ripe tomatoes.  I'm not ready to pick the green tomatoes as I'm hoping we have a bit of time before the first frost.  My friend's mom also gave me homegrown garlic so I'm going to plant that.  It's always a bit sad when my garden is done for the year.

Tomorrow is payday so I will try to do a financial post then.

Happy Sunday!

Thursday, September 4, 2014

Investment Account Started

One of my goals for August was to start a taxable joint investment account.  I opened it and funded it with $8000.  I liquidated all of our investments two years ago when we built our house because we needed all the money we could. I feel fortunate to have a good job and I
need to save for the what-ifs.  You never know what curve ball life will throw at you.

We had our first sale for this month.  We sold 12 quarts of motorcycle oil for $25.  Since the motorcycle was sold a year ago, it makes sense to sell the oil and declutter.  I also gave 4 big patio chairs to our neighbors.  We didn't make any money but I like getting rid of stuff we don't need or use and they will make use of them.

Tuesday, September 2, 2014

Selling Crap

I want to sell a bunch of crap this month.  My goal is to make $300.  I listed a vacuum and amplifier today.  The vacuum is $10 and the amp is $100.  Really I just want to get rid of shtuff but I want the MOOLAH!!!

Monday, September 1, 2014

6 Figures in Retirement!!!

One of our Goals for this year was to break the $100,000 mark for our retirement accounts.  I'm happy to report that we broke that goal this month.  I received Y's annual pension report which is over 12k.  He is now fully vested in this account but I hadn't been including it in our totals.  I added it in and we have just over $110,000 in our retirement accounts.  I will still push on to get $100,000 in our other accounts but I'm checking this box off.

Since I turned 35 yesterday, I'm especially pleased we reached this goal.

Thursday, August 28, 2014

Minnesota Accents

I seem to have lost my pf blogging mojo so I'm just going to blog about whatever.

I got into an interesting conversation with Rivulet over at $12 A Day about accents.  I'm from Minnesota which has one of the most made fun of accents in the country.  If you have seen the movie Fargo you know what I'm talking about. The accent is usually done wrong in the movies but it is there.  It has its roots in a strong Scandinavian background.

My grandparents were Norwegian and even though they were both born in the States they never lost the thick accent.  The o's are longer and th is often pronounced as d.  When you listen to them talk, it is very up and down with accentuating different syllables than normal.  When Y first met my grandma, he asked where she was from and couldn't believe that she had lived in MN her whole life.

I could hear the accent before I moved away but when I lived in TN and went back, I could really hear it.  I live now in North Dakota and the accent here is not as pronounced because it was settled by many Germans.

Anyways, I'm proud to have Norwegian ancestry.  Norwegians came here and worked their own land to make a modest living.  They were typically educated and women played a strong role in farm life from taking care of the house to working the fields with their husbands.

Anybody else have Norwegian ties?  What is your ancestry?