I haven’t been super active on the blog lately, so I wanted to write up a quick post that highlights some recent moves I’ve made with my money and in adjacent spaces. Let’s go!
No Car Note
As Dee‑1 says.…
Cause I ain’t got no car note
I ain’t got no car note
I ain’t got no car note
No note No note No note
(Check out the whole song “No Car Note”! It’s great!)
I paid off my car loan early! I bought my car in September 2020 for $14,817. My loan for the car from my local credit union was for 36 months at 2.94%. Not too shabby! I paid the loan off early in a mere 25 months. I would’ve preferred sooner (obviously) but my financial situation shifted a bit after I bought the car when I went through the breakup and honestly I’m just really happy I was able to pay it off early like I wanted to. Before I got my new job and the raise that went with it, having an extra $410 in my monthly budget was very helpful. Now that I have a bit more breathing room, I pay myself that $400 each month into an account for my next car. Whenever that is, hopefully very far into the future!
No More Wide Open Spaces
When I was younger, I definitely related to the Chicks’ song “Wide Open Spaces”. I needed those wide open spaces with room to make my big mistakes. I needed new faces and to learn how the rest of the world worked. While I haven’t seen it all, I’ve seen a fair amount from someone who grew up in the middle of a cornfield. I’ve moved 12 times in the last decade or so and I’m getting to the point where I don’t want to live that life anymore.
I’m proud to announce I just re-signed my first 12 month lease! That’s right, at age 32, I finally won’t have to update my friend’s address books for Christmas cards. I’ve extended leases before, but never for the full 12 months. One year I went month to month since I knew my job was going to move me within 6 months. Another time I signed an 18 month lease up front and then had to extend it a month or two while I waited for news on my next new job. (That was some bullshit — they charged me like an extra 5–600 a month to do that. Big apartment complexes using rent fixing software SUCK). Other times I’ve lived with friends/loved ones and didn’t have a lease to break when I moved.
So, the fact that I’ve been paying for my own housing for the last 12 years and just now reupped a regular 12 month lease is HUGE! I love my fancy condo in downtown St Louis and honestly have a pretty great deal. I signed for $1750 with a $50/mo increase each year I renew. I thought that was a bit bogus at the time, but after seeing so many posts in the local subreddit about landlords raising rents 3–400 a month, I consider myself blessed to know my current and future housing expenses. Three and a half consecutive years in one metropolitian area is also a record for me. I love living in St Louis and have zero intention of leaving in the future. It feels.…. nice to put down roots and be able to appreciate change in a city. Before, I was the one changing. Now, the city is changing around me and I’m a big fan. New restaurants, new sports teams (Ka-Kaaw!), new places for fun and recreation (Armory, Foundry, Puttshack) .… I’m here for it!
Speaking of roots.…..
After the breakup in late 2021, I wasn’t really looking for a new partner in 2022. I dipped my toe back into the world of online dating, quickly remembered how awful those streets were and just as quickly jumped back out of the active dating pool. I mostly focused on my job, exploring my new found freedom, and hanging out with cool people. I didn’t have many friends my age in St Louis yet, so I was doing a lot with the local young professionals Meetup.com group. (Sidenote: it hurts when I’m one of the oldest in the group for young people!!) A bunch of group admins got together and planned a giant game of pickup kickball at one of St Louis’ beautiful parks.
While at this kickball game having fun, one of my team members caught my eye and we clicked. The fun continued after the game at the local brewery so we swapped numbers and went our own separate ways.
As luck would have it, my kickball teammate felt the same way about our interactions during the game and asked me out. The rest, is history! We’ve been officially dating just over 6 months now and having a super fun time together. While he’s not in the FIRE community, he is savvy with his finances and respects all that I’ve done with mine. We’ve done some traveling together already (family trip for a week at the Gulf Shores, a vacation to Cancun, and EconoMe in Cincinnati) and haven’t killed each other, so I guess you could say things are getting pretty serious.
One Last Move!
The last move to happen recently with my money was a recent liquidity injection of cold, hard cash from the proceeds of the sale of my portion of the house I bought with my now-ex boyfriend. No, I don’t regret doing so and yes, I will be far less likely to repeat that particular scenario in the future. I moved out of the house in January 2022, but we couldn’t start the paperwork with the mortgage company until the loan was a year old. So, we started the paperwork process in March 2022 and waited. Waited some more. Filled out a pile of paperwork and waited some more. Finally, in September 2022, we got the final papers we needed, got them signed and notarized, and mailed them back. (why are we still doing this on paper!?)
My ex is very detail oriented and in looking over the paperwork one last time, noted there was an error on one of the pages. The mortgage company sent us a whole new ream of papers to sign, so we redid the whole sign and notarize dance and it was only *then* that I got my check for my portion of the equity in the house. The mortgage company may or may not be completely done with the process now — we’re not sure since we haven’t heard anything from them in quite a while. My ex and I recently closed our joint account we had opened for bills and joint expenses, so the loose ends that remain to be tied up are few and far between at this point. Woohoo!
So, as you can see, life has been happening the last few months and I’m grateful to be in such a good spot. What major moves with your money have happened recently?
As always, thanks for reading!