Friday, November 25, 2016

Selling High

As the market hit abother all time high today, I took the opportunity to sell a few stocks I have made money on.  I sold Target after owning it for only a little over 2 months.  I owned about $3000 in shares.  I made over $400 on it.  I would buy Target again but I think that it has rode the wave of a high market.  I also sold Coach.  I've owned that for over a year and a half.  I owned about $3000 of that stock.  I totally bought it on a whim but its done very well.  I sold for a profit of slightly over $500.  J also sold New York Mortgage Trust.  It is a high dividend stock.  I only had a little over $400 but I made almost $100 on it.  Mortgage rates are increasing and I thought it would be a good time to unload it.

I captured about $1000 in gains today and I have $6700 sitting in my investment account waiting for the next opportunity.

Anybody else selling when the market is high?

Tuesday, November 15, 2016

Payday

Today is our payday and a commission check for me.  The commission check is the largest that I have ever received.  I'm grateful and thankful that last month is over.

This is what I plan to do with it:
Pay annual home insurance premium
Put $7000 into our house fund
Put $2000 into the kids' 529 plans--I opened these a couple months ago
Put $8000 aside for stocks--since the market is at an all time high, I will likely wait to buy
Buy a new Christmas tree--I would like a large 8-9 foot tree to fit our house

With this paycheck, I maxed out my 401k and saved $50,000 year to date.  Woohoo!

To top off this election season, my husband no longer wants to spend Thanksgiving with his family.  His mom keeps going on and on via Facebook about the election.  All the talk about a Revolution is a trigger for his PTSD.  People keep talking about Syrians not being let in this country.  When Y was in Iraq, he traveled with a colonel and they were targeted by Syrians.  There was a roadside bomb that took out the Humvee right in front of them that was meant for them.  Y has no desire to hang out with his family over Thanksgiving in large part due to their comments and I don't really blame him.

Thursday, November 10, 2016

Post Election

These last two days have been phenomonal.  For the first time in a long time, I'm hopeful for our country.  I am certain that our country will be great again.  Every time my coworker walks by my office, we do a little dance.

I got off work and voted on Tuesday. I went home and turned on the TV. I eagerly awaited the polls closing.  I watched as Florida became very close but still wasn't called.  Then as I watched Virginia become a very close race, I had a realization that this might not be a gimme for Hillary.  With amazement, I watched as Florida, Ohio, and Wisconsin all went for Trump.  I watched the biased media freak out and wonder how this could happen.

This is how I think it happened.  The biased media always tells us how we should be.  We should be for every woman's right to choose an abortion, even in the third trimester, when abortion offends me greatly.  We should be welcoming for Syrians coming into our country when we have an issue with radical Islam.  We should welcome men dressed as women into locker rooms with our daughters.  We should welcome all illegals into our country when we do have a system in place for them to go through the hoops to become citizens.

Hillary thinks the people who like Trump are deplorable.  She hob-knobs with celebrities.  She panders to black people with comments about hot sauce.  I was labeled as a white, uneducated to be a supporter of Trump.  I just got sick of it and needed to make sure I voted. I wanted my voice heard even though I was certain it wouldn't make a difference.

Thankfully, enough people thought like me and now we have a change from establishment politics.  The irony is not lost on me about the protesters.  Obama was elected twice and Republicans did not protest either time.  The liberals thought they had it in the bag and don't take losing well.  

I'm so thankful to be an American this week.

Monday, October 3, 2016

October Goals

I love October.  I love pumpkins, crisp mornings, harvesting the last of my garden and Halloween among everything else in October.  We cleaned out the last squash and pumpkins from our garden today.  Lil G and I also dug more potatoes today.  Punk and G painted their first pumpkin.  I roasted pumpkin seeds for the first time this year.  We had a nice fall day.

For October goals:
1.  Buy $7000 of stocks
2.  Deposit $1000 in the 529 plans I opened last month
3.  Deposit $1000 into house savings
4.  Track all spending

 It will be a challenging month but I'm up for it.  On top of this, this might be my best production month ever professionally.

What do you love about October?

Wednesday, September 28, 2016

Tentative Game Plan

Y and I have been talking lately about some goals for the future.  I put think that I would like to change positions in about three years.  My current position pays very well.  It is high intensity most of the time.  It is sales and execution.  I'm very good at it but it comes at a price.  I would like to change to a lower stress role but at the same time I know I will miss the money and power that I have with my current position.  Obviously, you can tell that I'm leaning toward leaving but have mixed emotions.

Anyway on the financial front, I want to have my ducks in a row.  Y and I have talked about attempting to pay off our mortgage.  We currently owe about $191,000.  It will be a stretch to pay it off in 3 years.

One of the reasons we want to do this is to reduce our monthly required cash flow.  However, the bigger reason we want to is because we don't like owing anybody.  We want to own our stuff, not the bank.

The analytical part of knows that it makes more sense to save and invest our money.  Our mortgage is at 3.375%.  I'm sure we could beat that in the market.

I'm not really sure what to do.  Maybe we will save the money and pay it off later.  I'm torn on what to do.  I do know that I want to have options so we need to either save or pay down.

Thursday, September 15, 2016

Savings Update

I'm rocking my savings goals for the year.  My big fat goal was to save $50,000 this year.  It didn't look like I would make it the first six months of the year but things are perking up.  This month we saved $9523, bringing the total for the year to $37,559.  This quarter has been fantastic financially, not so much for work life balance.

In July, I put new goals that helped motivate me to save.

  1. Increase saving to $10,000--check
  2. Y's Roth $5500--money is saved.  I just need to make sure we are under the income limit before actually putting it in the account but it's set aside
  3. My Roth IRA--money is saved as of today
  4.  Save $10,000 to finish basement--$3000 saved so far
  5. Save $10,000 to buy stocks--$3000 saved as of today.  I'm thinking I will buy either Walmart or Target, not sure which.  
The elephant in the room is that I've been stressed this quarter to get to this point.  I was talking to my best friend and she pushed me to ask for more professional support.  The next day I asked one of my bosses for more hours with an assistant.  She readily concurred and told me to ask for whatever need.  

I like my job but I don't like the stress.  Is it possible to be challenged, make a lot of money and have very little stress?  If so, at what job?

Tuesday, August 30, 2016

Car Fund Goal

One of my goals for the year of as to save $6000 in my car fund.  As of this week, we've met that goal.  I made a large deposit when I received my work expense reimbursement.  The account now sits at $6057.  I need to keep saving because I'm going to need a new car sooner than later and I would like to be done with financing.