tag:blogger.com,1999:blog-2445523662180116681.post5102529127019023559..comments2024-03-28T15:14:39.600-07:00Comments on The Hawaii Plan: Finally tackling the monthly spendingHawaii Plannerhttp://www.blogger.com/profile/04760426766801381563noreply@blogger.comBlogger10125tag:blogger.com,1999:blog-2445523662180116681.post-51815315401381820972014-01-14T11:44:41.329-08:002014-01-14T11:44:41.329-08:00Before you set budget for specific categories, you...Before you set budget for specific categories, you must determine its importance first, which are considered high priorities. In that way, there will be no regrets on where your money went. And this gives you the chance to keep track of your expenses and savings.<br /><br /><a href="http://www.oncorebookkeeping.ca/accountant" rel="nofollow">Lynn @OnCoreBookKeeping.ca</a><br />On-Core Bookkeepinghttps://www.blogger.com/profile/05231044680049803016noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-27467027856823644432013-09-23T07:47:39.009-07:002013-09-23T07:47:39.009-07:00I hate moving...used to have to move once a year f...I hate moving...used to have to move once a year for work (did this for four years) and didn't get much stipend from the company. So expensive and I wasn't smart about it either. Congrats on getting through all of it and getting settled. <br /><br />I previously had a fixed monthly budget that didn't change. I looked at the "average" for each category so far that year and thought that gave me the financial flexibility I needed. Instead it made me crazy! Will try your method of adjusting the budget in October. Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-48684585868417024512013-09-19T08:12:25.903-07:002013-09-19T08:12:25.903-07:00It all kind of came together, with the bonus &...It all kind of came together, with the bonus & stock, & move, & miscellaneous spending. So happy it's settling out a bit! :-) Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-16386223187214813082013-09-19T08:11:59.943-07:002013-09-19T08:11:59.943-07:00Exactly - it makes me feel so relaxed to know that...Exactly - it makes me feel so relaxed to know that I have a great handle on where the money is going. Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-54128859889676693862013-09-19T08:11:33.660-07:002013-09-19T08:11:33.660-07:00We are keeping our Washington house, & we'...We are keeping our Washington house, & we'll be renting it. We have an extremely low rate (2.5%, I think), and will break even with the rental income (or, that's our estimate). We're in the process of remodeling it, as it's much easier with everyone out of the house.<br /><br />We do save quite a bit (mostly for retirement), which isn't listed as part of our monthly budget, as it's automatically deducted & not part of our "spendable pool". We are on track to retire early - I think between the two of us, we just passed the $700K mark. We're also considering our Washington house as part of our retirement. We'll likely sell our Oregon house. Part of our retirement plan is to have diversified funds - some in traditional savings, some in the stock market (bonds as we get closer), and much of it in housing (renting out). <br /><br />All that said, we've certainly thought of selling the Washington house, moving to the Oregon coast (where the cost of living is incredibly cheap) & living a much simpler life. Maybe our next move, actually. Right now, M enjoys working too much to give it up. I'm on the fence. I enjoy it with the right job, and feel too guilty to give up a super high earning offer. <br /><br />Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-38955844324211668422013-09-19T08:05:12.810-07:002013-09-19T08:05:12.810-07:00It's definitely a lot of money, which is why i...It's definitely a lot of money, which is why it's super critical to stay on top of it, & not let it all fritter away. Not that it's ever happened before. ;-) Hawaii Plannerhttps://www.blogger.com/profile/04760426766801381563noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-1272256059492600892013-09-18T23:55:16.055-07:002013-09-18T23:55:16.055-07:00Gosh that's a lot to organise - but at least i...Gosh that's a lot to organise - but at least it's done now. It's great that your ef is back where you'd like it!<br /><br />Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-48716379791995850772013-09-18T14:13:00.330-07:002013-09-18T14:13:00.330-07:00Yep, getting all the money in order is definitely ...Yep, getting all the money in order is definitely one of those things I dread sitting down and actually doing, but then get incredibly relaxed afterward. I even sleep better.<br /><br />Glad things are starting to settle down for you all. Pedicure, Massage, Wine - in that order!Jenniferhttps://www.blogger.com/profile/02863887265545701157noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-45136710813533574802013-09-18T13:49:59.423-07:002013-09-18T13:49:59.423-07:00I am so out of things here with your move and all....I am so out of things here with your move and all. So you are going to rent out your WA house instead of sell it? I hope the money you have to sink into getting it rental ready isn't bad and you can recoup it or at least rent it out for what the carrying costs are.<br /><br />Our month is not going so great as all the remodel expenses are hitting us now and even though I have the money saved for it, it still hurts to see it all fly out the window, ya know? lol As soon as we get the rooms ready to use again I am sure I'll feel better. <br />Plus we've had some unplanned car repairs, vet bill/surgery for a dog and additional costs associated with the remodel, plus now the added drugs/tests/dr. appts. for my foot/blood clot problem. Oy! Does it never end?.....don't answer that! lol<br /><br />I look at your $11K mo. budget and I think, gee, if I had that much $ per mo. to spend I don't think I could psychologically do it. It's just out of my realm of experience. If it was me overseeing that size of income, I'd spend about half of it and squirrel away the other half so that Hubs could have retired early....probably 10 years ago. But that's just me and because that's just my nature....which comes from having experienced very VERY bad times(like having $10 to your name and no place to live and no one to fall back on). Being destitute with nowhere to turn changes a person and their relationship with money.<br /><br />But this is about you, not me....8-)<br />You are keeping things together and keeping if not on track, near the rails.<br />Keep it up!!<br />slugmamahttps://www.blogger.com/profile/12728856166374248591noreply@blogger.comtag:blogger.com,1999:blog-2445523662180116681.post-83486344560413807462013-09-18T11:10:45.532-07:002013-09-18T11:10:45.532-07:00Wow! That's a lot of money in and out but tha...Wow! That's a lot of money in and out but that comes with moving. I'm sure you are relieved to add it all up and see exactly where you're at.Nd.chichttps://www.blogger.com/profile/09918828872616125907noreply@blogger.com