My Emergency Fund is Officially FULL!

Screen Shot 2015-08-14 at 10.30.59 AMMy paycheck hits today, and so does my automatic transfer of $500 into my Emergency Fund savings account. That takes me, in 18 months, from a person who’s never heard of an emergency fund, to a person who was sure that the idea of saving six months’ expenses was impossible, to a person who…has saved six months’ expenses.

[Yes, yes, I was 35 and had never heard of an emergency fund. Live and learn!]

Here’s the thing, though, although I want to be all happy joy joy about how good it feels to have this done — and it does — my predominant feeling is that I kind of hated saving like this and don’t want to do it again. Continue reading “My Emergency Fund is Officially FULL!”

100% Completely Absolutely Positively No Doubt About It Debt-Free

Y’all, it’s kind of a big day.

First of all, if you’re reading this, you’ll have noticed that I did in fact move over to self-hosted wordpress, since Godaddy was having an awesome sale ($20 for domain and hosting for the first year.) I’m hoping that this will resolve the commenting situation — to everyone whose comments blogger has eaten: I’m sorry! — and maybe along the way I’ll creep a little more into the 21st century. You can also now find me on twitter, by the way. I’ll probably keep messing with the look of the site for a while (I’m not sure I’m happy with this theme, and I really want to figure out how to change the default bright-white background for posts; instructions welcome, since google didn’t help) but anyway, here we go. Special thanks to Alicia for the encouragement, technical support, and as long as we’re at it, general friendship over the last few months.

Second of all:

Please ignore the woeful state of my investment accounts (the ruble picked a bad week to fall off a cliff, from a net worth perspective) and concentrate on items #2 and #3. That would be my credit cards and my student loans…both showing $0.00 owed. YES. For the first time since I turned 18 and signed for my first undergraduate loan, I am completely clear and free. Adding up the student loans and the credit card, that’s a total of $23697 paid off, almost exactly 18 months to the day after I defended my dissertation.

Merry Christmas to me! Thank you to everyone who’s been on this journey with me.