• My Car Loan is Paid Off!

    My car loan is no more! It has ceased to be! I drove down to the credit union today and dropped my final car payment on them. I felt pretty good going in there with my early car loan payoff. They all probably thought I was super cool making sound financial decisions. It was in the form of a $94.11 check. The lady looked at me and told me I also owed 26 cents in accrued interest since that total posted. I mumbled something awkwardly then in lieu of writing a new check, I gave her a dollar bill and got 74 cents back. COINS! The original terms of the…

  • saving money

    Time in the Market Savings Rate Report – June 2018 – Three Paycheck Months

    [This post about three paycheck months may include affiliate links at no cost to you.] I love three paycheck months. The monthly income goes up but expenses stay the same! My company usually has two three paycheck months in a year and June was the first one. That can only mean good things for my savings rate this month. I can spend more in a month like this and still have a great savings rate. One of the trends that continued this month was additional car payments. As mentioned in last month’s update, I’ve been on a 0 debt kick recently. Now, that I’m very close to having my car…

  • payments

    Time in the Market Savings Rate Report – May 2018 – Getting Ahead on my Car Payments

    [This post about car payments may include affiliate links at no cost to you.] Car payments are on my mind lately. I bought a new car in 2014 with a standard 5 year loan. The interest rate is low(2%) but I’m the type of guy who likes not having debt. That means I’ve been throwing extra payments here and there throughout the years. $200 here, $300 there but it adds up. Now, I’m suddenly a good year ahead of my payments and my car loan is down to ~$4000. When I see that and I know the end is in sight, I get pretty excited and want to add more…

  • taxes

    Time in the Market Savings Rate Report – April 2018 – My Tax Refund

    [This savings rate report about my tax refund may contain affiliate links at no cost to you] I’m generally pretty lazy when it comes to taxes and always do them close to the deadline. Luckily, the government is an efficient machine and gets any money owed back to me pretty quickly. My goal is to owe $0 in taxes at the end of the year. I don’t do anything to achieve that goal besides hope so I’m not very good at meeting it! I was actually successful one year as I basically got $5 back at the end of the year although I don’t know how it happened! Most years, however, I…

  • #savings #wedding venue #costs

    Time in the Market savings rate report – March 2018 – wedding venue costs

    [This savings rate report about wedding venue costs may contain affiliate links at no cost to you] Wedding venue costs are on my mind as I look at my March 2018 expenses. We’ve got a wedding coming up in a few months. That’s super exciting but with that come the costs. The 2nd of 3 wedding venue payments was due this month and will be a drag on my savings rate. It’s really crazy how expensive wedding venues in the northeast are these days. They’re expensive enough to require multiple payments! One good thing about that is that it stills the impact of the big cost into more bearable payments. This isn’t…

  • bonus

    Time in the Market savings rate report – February 2018 – investing your bonus

    [This savings rate report about investing your bonus may contain affiliate links at no cost to you] It’s bonus season so let’s talk about why investing your bonus makes sense but before I do that let’s celebrate the changing seasons! Spring is here and the weather is starting its return to normalcy again. Yes, that means snow and cold is abnormal because I don’t like it! We had a few snow storms in the last two weeks but I think snow is finally behind us! That means I can finally head out and do some hiking without cold wind buffeting my face. Not that we didn’t hike during winter but it’s much…