Medicated Money

Monday, July 31, 2006

Emigrant Direct & Our Emergency Fund

"What we fear comes to pass more speedily than what we hope." -Publilius Syrus

The Emigrant Direct Website updating did two things for us last week. First, the fear of all hell breaking lose over there made me nervous in having that much money wrapped in a bank that I may not have access to for an unknown amount of time! To be honest, I never cared for their old website (and I guess neither did anyone else, hence the change), but it was so basic it made me nervous about whoever hires the IT personal ED. Secondly, the fact that their rate was only 5.15% and our car loans are roughly the same, most would call it an even draw on whether or not to use this money to pay off these loans. The way I see it, I probably am breaking even money with the taxes I pay on the interest accrued from the ED account and the car loans, yet the emotional feeling of having those cars paid off is getting to the point of sheer desire. Because of this, we decided to change things up.

To take care of the first issues, we transferred $1,650 to a money market account at our credit union that recently changed their interest to 4.85%. We have access to this money immediately as it is tied into our checking account and takes 15 seconds to transfer the money instead of the 3 days that it takes ED. That took a little of the stress away from not being able to have access to this money.

We decided then to take $2,000 and put it towards Car Loan #2. We figured this would help pay off the account a little faster and keep us on track for our debt repayment plan. I truly feel the emotional benefit of this is worth the little financial offense it may be.

As discussed before, we knew that we may eventually need this money for relocation back to the Northeast. With the purchases of flights as well as a security deposit for our new town home, we took an additional $1,200 out of this account to help pay for these unscheduled bills.

All in all, we are pleased with these decisions. And, don’t worry, our emergency account still sits at a nice little cushion at ED, however we may need to tap into it a little more to help pay for the move. However, we first decided to suspend the Debt Repayment Plan for the month of August, so hopefully it will not need to be touched! We’ll see, though.

Friday, July 28, 2006

The Debt Repayment Plan - July 2006

With the plans of our upcoming move back to the Northeast, we decided that we would suspend the Debt Repayment Plan for the month of August. Due to this, we then decided to try and pay off as much as possible in the month of July. Our goal is still to pay off a total of $36,500 by the end of the year.

In the month of July, we paid off $4,924 in debt. As you may remember, last month we paid off Student Loan #1, and we are now close to paying off Car Loan #2. Since the start of this goal, we have paid off $18,548. We will need to pay off $3,560/month for us to reach our goal by the end of the year. It definitely will be close after looking at the numbers for this past month, and knowing that we will most likely suspend the repayment plan next month due to the move across the US.

Wednesday, July 26, 2006

If You Play With Fire, You're Going To Get Burned...

Well, I just got burned! Burned rather badly, by my opinion, by the almighty Bank of America. You see, we have been so busy that I just have had many things on auto-pilot in order to make sure that things hopefully run smoothly while I don’t have the time to address them. And because of this thinking, I got burned.

I recently set-up bill payer, which has been a God-send, (but that is another post) and have been paying down our one credit card on an automatic basis. This particular card was with Bank of America at 0%. For 9 straight months, the due date of this bill was the 14th of every month. So like a good financial blogger, I set our automatic bill payer to pay the bill on the 9th. Unfortunately for us (fortunately for BoA), BoA decided to change this date to the 8th. By doing this, the billing cycle changed as well to start on the 10th.

Well, guess what, I paid the June bill on May 10th, and thought the payment on June 9th would pay the July bill. Ah, no! It was credited to the June payment. So in the month of June, I made 2 payments, and for the month of July, no payments. Due to this, BoA decided to change the 0% rate to 15.99%, and charge me $39 late fee. All in all, $80 for the slip up. I immediately contacted BoA and spoke to one of their robots, err, Customer Service Reps.

  • Mr. Medicated: I am calling to contest a late charge, plus receive an explanation for the rate change.
  • BoA Robot: I’m sorry sir, your account show a late payment, hence the rate change and late charge.
  • Mr. Medicated: I realize that, hence the phone call. The payment was received and credited on the 10th. The billing date starts on the 10th, so it was paid the same day the cycle started.
  • BoA Robot: Yes, the bill was paid on the 10th, but our computers cannot credit an account for the same day the payment was received!
  • Mr. Medicated: You’re kidding me, right! In today’s world of technology, your computer cannot credit an account for a payment, but can remove the money from my bank account and place it into the hands of BoA. Even more, it can then add that payment to my last payment cycle even though that ended on the 9th, and the money was received on the 10th, the first day of the billing cycle!
  • BoA Robot: Err, um, yes, that is correct!
  • Mr. Medicated: Well, please remove the finance charges as well as late fee because of the incompetence of your computers.
  • BoA Robot: Um, I cannot do that, sir, the computer does not allow us to remove a finance charge, but I can remove up to $20 of the late fee.
  • Mr. Medicated: Good thing your computer knows when it is working for BoA and not the customer. Can I speak to your supervisor?

Long story short, I ended up talking with this robot’s boss, supervisor mega-robot. After pretty much the same exchange, I could not get more than the $20 refund of the late fee, even after I played the ‘if this is not fixed, I will cancel my account and go with another credit card!’ card. I swore to her that I would never use Bank of America and would tell every person my experience with their company, leading to her response of ‘I’m sorry to hear that!’ So am I.

After hanging up, I immediately contacted a new card service for 0% balance transfer and will be transferring all funds in a matter of days to this new account. Amazing how fast these credit card companies screw people over.

To be honest, I was surprise that they would not fix the problem, but since I never once used the card (was a 0% balance transfer deal almost a year ago); they probably figured I would transfer the balance anyway after the special deal was up. They guessed right, but still, you would think they would at least do a better effort in trying to keep us. Now I have to go and find some ointment for this burn!

Tuesday, July 25, 2006

Place To Live: Check

After a long weekend of searching, we were able to secure a place to live for the next year. We traveled home this past weekend for the search, and were able to find a very similar townhouse to the one we currently live in. We are extremely pleased with the outcome of our search. Our new landlord appears to be a very nice guy. Our personal belief is that is important when one is renting to rent from someone who cares about the property and appears to be involved.

We are also happy that even though we are moving from the Southwest to the Northeast, our monthly rent expense will decrease from $1500 to $1250. We were expected to pay at least 10-15% more due to higher cost of living in the Northeast as well as the rise in interest rates places more people renting column due to cost of housing than in the past 2-3 years, but we are not going to complain!

Our goal for the next year is to decrease our everyday living expenses in order to continue our debt repayment plan and save for a 20% or more down payment. Renting this townhouse is our first step in accomplishing this goal.

Thursday, July 20, 2006

We'll Take That One?

We flew back home to the Northeast today to begin our search for next place of residence. We are planning on looking for a place until Sunday, when we will return to Houston.

As of right now, we trimmed down our prospective list of apartments to 10. We feel that one out of these 10 should be a good find and a good place to live for most likely 1 year. Our plan is to be able to rent a place for one more year, then determine an area that we would like to buy a house, save a decent down payment, and purchase a house roughly 1 year from now. We have talked about the possibility of renting for more than 1 year if we find the right situation, but we would decided this later.

Due to all of this activity, we probably will not post anything until Monday of next week. Thanks for reading, and we'll update you on what we find.

Tuesday, July 18, 2006

For Rent!

Aside from a busy work schedule this week, we are in the midst of trying to find our next place of residence. We have been searching through Craigslist, trying to find that apartment or house to call ours for probably a year. We decided that it would be best if we rented for one more year in order to continue our debt repayment plan as well as develop a healthy down payment, for when we do buy a house.

Overall, we have found that Craigslist is excellent for trying to find an apartment from out of town. However, there are difficulties. The most intricate part of this process has been just arranging times to see the various apartments. The reoccurring problem is that by the time that we set a time and date to see one apartment, another landlord can show us a second place that is completely across the city an hour after the first appointment. We do not know the driving time between places, and we do not want people to end up waiting on us. Also, the fact that for most people, evenings work best, we have 3 straight evenings filled with apartment viewing. We now are trying to convince people to show us places in the afternoon or morning, which is no easy task. It definitely will be a long weekend of spending many hours in the car, apologizing for running late, and trying to figure out Mapquest's directions. But we are definitely excited!

As for what we are looking for; our goal is to find a place that will give us the space we need, yet in a budget that will not break the bank. We are more incline to go with private owners versus apartment complexes due to the human factor involved. We feel that most private landlords are more involved with the property compared to property managers. Personally, I think that you normal can also find a better deal with private properties, but that is just my opinion. All in all, we are most likely going to look at around 8-12 different apartments. Hopefully, by the end of the weekend, we will have a place and will not need to do this again. We are planning on taking the digital camera to help keep everything straight as well as the good old pen and paper to write everything down!

Sunday, July 16, 2006

What The Hell Are You Driving Here?

State Trooper: What the hell are you driving here?
Del: We had a small fire last night, but we caught it in the nick of time.
State Trooper: You feel this vehicle is safe for highway travel!
Del: Yes, I do. It's not pretty, but it will get you where you want to go.
State Trooper: You got no outside mirror. You have no functioning gauges?
Del: No, not one. However, the radio still works. Funny as that may seem, the radio's the only thing that's really working good!
-From Trains, Planes, & Automobiles

In starting off in this post, let me just state this disclaimer: I am not a car person, and therefore, know very little about cars. Well, that is not completely true. I think I know probably just about the same amount as the common American male; which Mrs. Medicated likes to point out is considerably less then I think I do.

With that being said, I am smart enough to know that a car is, for many, one of their largest investments (even though we do not include it on our net worth statement, but that is for another show...), and that routine maintenance is the key to keeping it running well. Unfortunately, Mrs. Medicated's car decided to shut down this week. To make matters worse, being a foreign car, my mechanic or any mechanic close to us could not fix the car. We ended up taking it to the dealership mechanic, who did every system check possible, tightened a few screws, and said they thought it was fixed with that. Great, nothing major wrong, and the car is running fine. I think the car gods were just having a bad week and took it out on her car for a week. Anyway, because we never took the car to this mechanic, they told me that they were going to do a 'multi-point inspection report' to get the 'state of the car' in the system. "How much does this cost?" I asked. 'Oh, nothing at all, this is a complimentary service.'

So we go to pick up the vehicle and the service manager comes out and proceeds to tell me about the 'bad news.' Long story short, the car is running fine, but thanks to the multi-point inspection report, the brakes are '3mm close to the disc' and the front tires are shot. He goes on to tell me that to replace the tires, they will need to special order the tires to replace the front two (these are the ones that came on the car new, and have 27,000 miles on them) and will cost $140/tire plus installment fee. To replace the brakes, it will cost $75 for the brakes and close to $225 for time to install it. So in other words, the inspection found roughly $600 worth of problems. Now, granted, the car was in the shop for 2 days being checked over and they only charged me $30. A part of me feels that in their eyes, they need to make up for that service with these services. I told them to do nothing, that I would think about everything (aka search for a better price), and let them know. The manager went on for about 10 minutes about the risk of driving the car in this condition and all the warnings of not driving the car to try and scare me into just having them do it. I said I understood the risks and left.

So after doing a little research, I definitely need new front tires. Why they are so bad I cannot figure out after 27,000, but they are. As for the brakes, they seem fine, but I will issue my disclaimer written above here. So here is the dilemma: Does the car really need these services or was it a ploy to make a couple of bucks by the dealership? And if the car does need these services, are these prices fair and competitive?

I figure I can research tires, find a better price, and go with that store instead of the dealership. For the brakes, I am stuck because I don't know of other mechanics to get price comparison from. I thought of taking it to a store like 'Just Brakes' and have them tell me a 2nd opinion, but I figured they are in the business to sell, and probably will also recommend a replacement. If this was my car, I would have it done not because it is mine, but rather the mechanic I take my car to, I trust completely.

Any suggestions on what I should do? Oh, if you think I stuck Mrs. Medicated with a bad car, don't worry, she stated that until I figure out what to do, her car is now my car and vice versa. As she joked, 'Since we are married, there is no yours or mine, just ours. And because I am the girl, I get first choice!' I think I just learned the meaning of marriage.

Saturday, July 15, 2006

The Tipping Point

After reading couple of posts about experiences with retail workers, I had to add my $0.02 into the conversation.

The other night, Mrs. Medicated and I stop at a local sandwich shop on our way home from a long day of work. The shop is very similar to the set-up at Subway, but in our opinion, makes better sandwiches. Anyway, the guy working behind the counter appeared to be in his later 20's instead of the normal, teenage kids we see working behind the counter at this store. I couldn't help but think maybe this guy is picking up a second job to pay down debt or increase his savings. Anyway, the guy looked tired, but as soon as we came in, he was up and ready to serve. Mrs. Medicated is very particular when ordering, and I seem to always joke around with her about it. As she is picking out the various ingredients to add to her sandwich, the employee is hand-selecting each item. After ordering cumberers, he looks up and says 'these have been sitting here for awhile. If you don't mind, let me go in the back and cut some fresh ones!' To be honest, I was floored. Here was a guy probably on his second job of the day, about an hour to closing, offering to do extra work to make the customer happy. When he returns, he states, 'I wouldn't put anything on a customer's sandwich that I would not eat!' After finishing our order, the price came to $9 and change. I gave the guy a $20, and he handed me back a $10 bill and the right change. I used to bartend during my college years, and I know that if you expect a tip, you always give the customer small bills so they have the opportunity to give one. Yet, handing me a high bill made me realize that this guy did not expect to receive a tip for his good service, even though a tip jar is sitting on the counter. He did it because he knew the value of good customer service. I handed him back the $10 and asked him to break it for me. He gave me the change, and I tipped him $5.

He looked at my shocked that I just tipped him that much for his service. Yet, in my opinion, it was well worth it, and I wanted him to realize I appreciated the good service. I think that in this situation, many workers would just have thrown on the bad ingredients without a second thought of it. This guy didn't, and therefore, deserved a good tip. Some would argue that this much was just too much, but I don't think so. I normally tip 20% for all service. However, I am more than willing to tip much more when someone goes out of their way to make our experience much better. Maybe it is because I once worked in the service business, knowing what a good tip really meant to me. Maybe it is because I think everyone I meet or see is living paycheck to paycheck after reading so many financial doomsday articles. Either way, the guy deserved it and hopefully, it help made his job a little more rewarding.

Thursday, July 13, 2006

Any Questions?

Recently when we go anywhere, I end up nagging Mrs. Medicated with questions like: what do you think he makes, or do you think she is saving anything for her retirement. Normally, Mrs. Medicated just gives me the look of 'would you knock it off!' Now, for clarity purposes, this was the exact same look she would give me when we were in medical school and I would try to diagnosis people as they walked past us on the street.

My problem is that I love to know details of other people's lives. Whether that is medical, financial, or social! Maybe this is why I read so many different personal finance blogs, or listen to the Dave Ramsey show when I can even though I know his financial advice before he states it.

I love to hear the daily situations of the everyday American. And I don't think I am alone as evidence of the popularity of pf blogs.

So do you ask these same questions day in, day out? Or am I just a little weird when comes to things like this?

Tuesday, July 11, 2006

Positive: New Job...Negative: Financial Uncertainty

After celebrating our recent good news, we needed to try to sit down and determine a to-do list of financial items that will need to be address with our upcoming move. We just sat down and brainstorm ideas, so this is in no particular order.

  • We will need to roll-over our 403(b) account into a IRA. From everything that I have read, you should remove your money from the old company's plan to a separate IRA. What I do not know is can/should this be done if you are planning to stay with the same financial institution? We also have a pension plan that 6% of our salary is invested in each year. One must be with the company for 5 years to become vested, and we do not meet this criteria. I am planning on rolling-over this account into the same IRA? To be honest, I am not sure of the technical details of this, but I believe you can roll both accounts into one IRA at the same, current financial institution that our 403(b) is with. If you know this answer, your help would be appreciated!

  • We plan to continue our debt repayment plan as schedule. We are on pace to complete this goal by the end of 2006, our target date. We are currently thinking about tapping into our emergency fund to pay it off sooner. We are thinking that we may take an additional $5,000 from the EM and put this towards the debt. This would allow us to pay it down faster and then be able to begin saving for a down payment for a house.

  • We are planning to rent for 1 year after moving home, however, we both are at the point that we are extremely tired of renting. Our theory for renting vs buying here in Houston was very similar to Miserly Bastard's at Yet Another Blog About Money's excellent posts of why they rent in NYC. However, we are just getting to the point in our lives where we want to be home owners rather than tenants. With saying this, we are currently thinking of not funding a 401(k)/403(b) at our new positions. Now, before you crucify me, here are our reasoning. The main reasons for this is that we do not receive a company match until after 1 year of employment with our 403(b). Secondly, we will receive a pension plan that the employer invests in for us. We are feeling that this is a way for us to save for retirement for 1 year. Finally, we would like to have a rather large down payment for a house that we are currently planning to purchase after 1 more year of renting. I have to do the math again, but to come up with a 20% down payment on a house in an area we would like to live, all of this may be worth it for 1 year.

  • Speaking of renting, we are planning on finding an apartment that is just big enough for us to be comfortable in for one year. We hope that we can find something for no more than $1,200. Our current rent is $1,500 and we would like to reduce our overall monthly spending to help build our future down payment. Monthly rent is our largest expense category, so to limit this as much as possible will in turn allow us to save more.

As you can see, we are continue to keep our short-term goals into being out of debt excluding our student loans and save for a down payment as close to 20% as we can get. To do this, we know that it may go against many personal financial commandments. However, with interest rates continuing to rise and the raising of home prices (although they are plateauing), we feel that the faster we get out of consumer debt and have a large down payment, the faster we can be able to purchase a home and begin starting a family.

Friday, July 07, 2006

A Sort Of Homecoming

“Making a success of the job at hand is the best step toward the kind you want.” -Bernard M. Baruch

After receiving their first offer, I wanted to negotiate a few of the details such as a relocation package and health care. I needed to determine the cost of COBRA for the 3 months that we would have no insurance if we decided to switch jobs. After contacting HR, it was determined that the total cost was about $800/month for Mrs. Medicated and I. We are planning on moving ourselves, so I figured about $2,000 for this. All in all, I figured $5,000 would be a nice combined package. After discussing these findings with the prospective employer, I assumed that at least they would offer half of this estimate. They said that they would definitely pick up the medical insurance; unfortunately, they were not able to offer a relocation package due to limitation in the budget. At this point, I asked for a day to think everything over again. We again went through all of the pros and con; and in the end, we kept coming up with the same conclusion. So, we are excited to announce that we are going to accept the position. We definitely are excited for the opportunity. Overall, the deciding factor was the possibility for growth as well as the chance to be closer to family and friends.

We notified them yesterday afternoon of our decision. Today we began telling some of our current work colleagues. We are planning for an early September start date which should allow us to complete the necessary paperwork such as medical licensing, credentialing with the hospital, and all of the other stacks and stacks of paperwork that is required.

In our next post, we need to determine what all of this means to our financial goals, but for today, we are going to take a night off from all of this financial business and celebrate!!

Wednesday, July 05, 2006

Is That Your Final 'Offer?'

On Monday, I found out that I am being offered the job that I interviewed for 2 weeks ago. They called and I discussed the details of the offer with the HR representative. We were excited to hear their offer, and for the most part, it was a solid offer. There are 2 areas though, that are concerning. But first the good parts:

  • They came very close to matching my current salary, which I said would be a must and they thought would be difficult. The difference comes down to roughly 6% decrease. Overall, I am willing to accept this due to the fact that at the interview they thought it would be closer to a 15-20% decrease.
  • They offer a work-sponsor pension plan, vested at 5 years, that the company puts in all of the money. It sounds like a pension defined benefit plan with contribution by the employer, at least that is what it sounds to me. If you have a similar plan, please leave a comment and let me know what you think of the plan. The HR rep. was unsure of the details and the 'retirement specialist' was vacationing this week. On top of that, they offer a 403(b) plan with matching contributions of 50%, up to 5% of total salary, matching starts after 1 year employment.
  • 4 weeks of vacation, 10 National holidays, 1.5 accrue sick days/month, 4 personal days/year, and 5 days for work-related time-off.
  • They will pay for two annual conferences/year or $2,500 for CME hours, on a use or lose basis.
  • Full medical, dental, and vision; small fee for additional family members

Unfortunately, there is 2 issues that are at this time unresolved:

  • At this point, they have not offered any relocation package. I spoke with the HR rep about this, and she stated that she will look into it. To be honest, I'm a little disappointed that with moving across the country to accept this position, they just offered a package. I read that a normal package is roughly 8-10% of your yearly salary. What do others think? It definitely will not break the deal, but still, would be nice if it was offered?
  • Secondly, the health care package option will not start until 90 days of employment. I discussed with them the possibility of paying for the Cobra insurance during this time period. This also is up in the air on whether or not this will occur. Should I make this an issue or just pick up the cost? Debt Hater recently had a similar post on whether or not she should pick up this expense. We definitely will pay for it if it is not covered due to the fact that being in the medical field, I know how fast things can easily change.

As you can see, the little details need to be hammered out, but I think things for the most part are looking very good. We are definitely excited about the offer and plan to discuss everything over dinner tonight. Hopefully, we should have an answer by the end of the week.

Tuesday, July 04, 2006

Happy July 4th!

Happy July 4th!

We just wanted to wish everyone a safe, happy July 4th holiday. When you stop and think about it, it is truly amazing what has come here the minds of our American Fathers who were determine to form a government for the people, by the people!

America....The Land Of Free, And Home Of The Brave

Monday, July 03, 2006

Expenses For June 2006

The month of June we did very well for our Net Worth. As for our expenses, unfortunately, we were again just above our monthly budget. We are okay with this mostly because we did so well in other areas, however, we know that for every dollar we take in and do not send out, increases our net worth. So the goal is to continue to work hard in staying under our budget to give us more money in our pockets instead of others.

Here is our expenses for the month of June:

As you can see, we need to do a better job on the our spending habits. These are those expenses that we have direct control over such as grocery shopping and clothing compared to those indirect items such as electric, gas, and auto fuel.

We have faith that we will get under budget as we continue to monitor our finances and post in this blog.

Sunday, July 02, 2006

Working For A Living? - Job Update

The reward for work well done is the opportunity to do more. -Jonas Salk, MD

We recently each had the opportunity to meet with prospective employers back in the Northeast, were we both are originally from. Our meetings went extremely well, and we are in the process of trying to determine if it is the right move for us.

In Mr. Medicated's situation, I have spoken with the practice and they are very excited about the possibility of me joining them. We spoke at length in what is expected and it is very similar to my position currently held. From everything discussed, it sounds like a great opportunity. Due to the similarities, the new practice stated that they would match salary, benefits, and work-related expenses such as funds for conferences, licensing, and other expensive that my current employer offers. To be honest, it sounds like a great deal and we think we are going to accept the offer.

'So why does this post have a question mark' one asks. Well, we are having a rough go with Human Resources at the hospital. To be honest, I don't know what to expect from them. In talking, we discuss that a formal offer would be made this past week, and the a possible start would be in the middle of August. I am reluctant to give a verbal confirmation without a formal offer. HR has been dragging their feet and the more time they take, the more time it may push back the start date. The practice wants me to start ASAP. I told them probably would be mid-August. We were hoping to know because our yearly lease ends after this month, we need to start planning a 1,500 mile relocation if it is a go. I contacted the HR department through phone as well as email and have stated my concerns, but still want to hold some cards if we need to negotiate. To be honest, I don't know what else to do other than wait and see.

As for Mrs. Medicated, she has interviewed in person with 2 different practices and has spoken to 2 others. She is looking for a September 1 start date (to spend a little time with family and friends if we move home). One of the practice has offered her a position but will make it official after their monthly meeting in July. For her, we are just waiting to see what will be the best offer available.

With all of this going on, we have many factors that we will need to decide if we do accepted the jobs (when the offer finally is offered). We will have many financial issues to sort out over the next few weeks, but we are in a holding pattern for now until we know something.

Saturday, July 01, 2006

Net Worth - June 2006

We look forward to the first of the month due to the fact that the pencil and paper get broken out and our net worth is determine through numerous calculations. Actually, we have a good idea of our net worth throughout the month thanks to Quicken, and the calculations are provided by Bill Gates and his wonderful program, Excel. Thanks, Bill!

But in all seriousness, the 1st of the month means we get to pay attention to that net worth by writing a post on it! So, without further ado, we present our net worth for June 2006:

As always, we would like to make a few comments on this past month's performance.

  • We are ecstatic that we have paid off Student Loan #2. This bad boy was never consolidated with the other loans because of some technicality with the State of New Jersey. The interest rate did fluctuate and was at 7.61%. Ouch! So, we completely paid this loan off. Please exit stage left, and don't let the door hit you in the ass. Good Riddance!
  • We decided that our next victim of our debt repayment would be Car Loan #2. We gave it a good hit with $2,000 this month.
  • With the craziness of the market place, we, like everyone else, lost some ground in our 403(k) but this should not deter us in future contributions.
  • We are extremely please to announce that this past month we made the largest jump in our net worth since the start of this blog (and probably ever). Our net worth increased by 11.39%. Our previous highest was the month of April's net worth were we increased it by 10.70%.
  • And finally, our net worth has increased by 31.80% since the creation of this blog.