So, September is “my month” to buy Vanguard VWRL stocks. I know dividend will be paid at the end of this month. Should I wait for the dividend payment and automatically reinvest that, or should I invest the money now (and receive more dividend?).
P.s. #pregnant #tired #hungry #fat … #BLESSED <3<3<3
Mortgage: 32.4 (0.22% increase)
Emergency fund: 396% (2% decrease, due to money going towards stocks)
Stash (=EF + stocks): 12.86% 12.07% (0.79% increase due to investments and the bullish stock market)
Income to spending ratio this month: 57% (yeah! Even with the husband going to a 3-day music festival and spending lots on drinks and food)
Income to spending ratio this year: 61% (<60% here we come!)
Sorry. A friend (37) suddenly lost her husband (40) this week. I went to the ceremony this Wednesday and cried my eyeballs out. Money matters were just not on my mind this past week. I hope I’ll be able to write you a post this weekend.
Tell your loved ones you love them…every single day.
Lots of love,
Yeah, I’m alive and very pregnant! Our second baby is due around Easter next year.
I’ve just been so darn tired that I haven’t blogged for a while. I’ll write a couple of blogs this week and respond to questions.
And I loved giving it! They asked for my advice (which is something I should wait for instead of giving people financial advice who didn’t ask me for it) and I shared my view on their financial situation with them. It came down to: throw lots and lots of cash at your mortgage. (They’re an elderly couple with a mortgage that’s way too high for them…it’s higher than our mortgage, for cryin’ out loud!)
I really think I should become some sort of budget/howtohandleyourmoney/getoutofdebt type of coach person on a professional basis. It would just give me so much pleasure to help people out, giving genuine advice on how to handle their finances. The thing is…if I want to do this professionally I’d have to charge people money. However, asking people for money for my advice who are already in debt would make me feel rather uncomfortable.
So this is actually a very bad business model, haha!
I’ll go and think about this…any suggestions?
Mortgage: 32.18% (0.8% increase)
Emergency fund: 398% (57% increase….thanks to my windfall…we keep on throwing cash at our stocks on a monthly basis, but it will take a while before we get this down to 100%)
Stash: 12.07% (1.03% increase. FI, here we come! F-you money rocks!)
Income to spending ratio this month: 88% (we spent €1800 on a holiday home…since this will probably be my only holiday this year and we don’t want to take the baby camping just yet….sterilizing bottles without a microwave is a bitch….waahhhhhhwaaaaaaaahhhhhhh, yeah, we’re wussypants! And our irone throne (aka car) cost us €450 this month.) No, I did not include the windfall, since it doesn’t count as income.
Income to spending ratio this year: 62% (I’m not worried, we’ll get to <60% in 2014!)
Tomorrow, we’re off to our holiday home. Yeah!
I did a pregnancy test today…and it was positive!
I’ll do a couple of other tests this week to double check.
Oh, how we would love to welcome a second child into our family!
And, no we didn’t expect things to go this quick. (But we certainly hoped so!)