“Moving is fun.”
Said NO ONE EVER.
This month, we’re gearing up for our cross-country move in June. There’s only one problem: we don’t know when we’re moving yet.
Our new apartment is a small mom-and-pop kinda thing, and since the old tenants are moving out today, they don’t know how much work’ll be needed. So, we could be moving anytime between next week and three weeks from now.
As a freelancer, this makes things kinda difficult. I don’t know when to tell my editors to schedule due dates. I don’t know when I can work.
During the move, I’ll be taking a full week off work. That, coupled with the uncertainty about when and how much work I can take on, means that our bank accounts could be taking a hit.
Related Post: 12 Disadvantages of Being Self-Employed As a Freelancer
That’s why I worked my ass off this month to get ahead. We’ll see whether it worked next month!
In the meantime, things went pretty swimmingly this month. Nothing blew up, and no surprise expenses came up. Jan van Lidén, my snake plant and the leader of the Münster Rebellion, is still alive.
Well gosh darnit, dontcha know it, but we’re back in more debt, eh?
Kicking my remnant Yooper accent aside, there are a couple of reasons for this.
- I suck at timing these reports, so “April”’s debt report really included all our payments anyways, and
- Zach’s students loans accrued more interest since they’re not being repaid yet.
Now that Zach’s all officially gradjamatated, we’ll be making payments on his loans when his grace period ends in a few months.
FUN FACT! I have private loans. When I graduated, I had to start making payments right away. I didn’t realize that some private loans don’t come with a grace period. This proved to be a bit of a problem since I was unemployed at the time, a fact which didn’t seem to make much difference to my loan company’s customer service reps.
And, since our monthly debt payments were actually included in April’s report, you can see that we haven’t moved the needle since then because we haven’t made any extra payments.
Still, I like to look at our Undebt.it account. It taunts me to work harder so that I can start making extra debt payments. Then, our debt-free debt will be even sooner.
We’re waiting for the dust to settle from our move, and then we’ll start making extra debt payments.
It looks like we have levelled off. But stick with me.
If you exclude April 2018 and draw an arrow between the remaining three points, it’s almost a straight line.
It’s almost like we’d…well…planned it (*GASP*).
Some of this is due to our retirement savings:
Zach is barely contributing anything to his retirement accounts now compared to when he was working, but due to the markets doing markety things, his balance is growing.
And as for my retirement savings, I’m still chugging along like Monty Python:
The rest of our savings accounts are doing just peachy.
You might notice that our GTFOCO fund took a dip. That was to pay for the deposit on our new apartment in Tacoma we’ll be moving to next month.
We still haven’t heard back on when we can move in yet.
This is throwing a lot of wrenches in my work plans.
Net Worth: $41,294
After our net worth took a hit last month when we took out another loan to pay for Zach’s coding school, we’re now back on track!
Our Personal Capital account is showing our net worth increasing too, which is awesome sauce.
I realized when I was writing this report that I forgot to update some of our account details. Most of them update automatically, which makes it WAY easier on me. Some of them, however — like our auto loan from a small credit union with a website from 1995 — don’t update automatically. It’s a small pain, but it’s worth it for this awesome free tool.
How did your month go? Any questions? Leave a comment below!