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Electric meter update

February 3rd, 2020 at 05:45 pm

They came out today and replaced our electric meter. My wife said the tech told her that the meter did appear to be worn out internally so he thinks I may be right that it wasn't recording properly. He said it takes about 2 weeks for them to do the analysis and he gave us a number to call to get a report.

So now we just have to wait a couple of weeks and then see what they say. Hopefully, they'll confirm a discrepancy and we'll get some money back. I'll update when I know.

The moral of the story is that if something just doesn't seem right, don't be afraid to question it. And the other moral is to pay attention. Review bills. Look for discrepancies or unfamiliar charges and look into them when they occur.

Dinner for 4 - $406.00 and worth every penny

January 26th, 2020 at 01:57 am

Last month, I won a $600 gift card to a local restaurant in a drawing at a liquor store we frequent. They said it was for a "whiskey dinner" for 6-8 people. It turned out to simply be a gift card to the restaurant to be used however we'd like. DW and I talked about it and decided we'd go out to dinner with another couple two different times (with different couples) and cover the bills with the gift card as much as possible. We also happened to have an old $50 gift card to the same place that we had never used.

Tonight was our first dinner there armed with $650 worth of gift cards. I'll admit we went a bit overboard in ordering since the meal wasn't costing us a penny. The tab came to $342 plus $64 for the tip for a total of $406. That leaves us a $244 balance on the gift card for next time. That may not fully cover dinner for 4 but we can tone it down next time around so it should cover most of it. I don't mind paying a bit out of pocket.

The meal was fabulous, though. I know to a lot of people, a $100 meal is unimaginable but just trust me when I say it was worth it. From the cocktails to the appetizers to the entrees to the desserts, everything was top notch including the service. We loved it and our friends loved it. We don't get to spend time with them often so we really enjoyed the company as well.

We haven't set up the next dinner yet. We have to decide who we want to go with and then find a date that works for all of us.

Ten Years of Finances

January 3rd, 2020 at 02:59 pm

CCF suggested this idea and I thought it would be fun. Post a comparison of where you were 10 years ago and where you are now, and talk about what happened in the interim. So here goes.

12/31/09: Total financial assets (not including home)
$395,673.73

12/31/19: Total financial assets (not including home)
$1,329,432.03

12/31/09 Mortgage balance: $92,285.99
12/31/19 Mortgage balance: $0.00

So our net worth went up by $1,026,044.29.

Major financial events of the last 10 years, and I'm probably forgetting some

Bought my car in 2012, paid off in 2013
Bought my wife's van in 2013, paid off in 2016

Daughter attended college 2014-2018, all loans by her and us have been repaid

Paid off mortgage in 2019; now totally debt-free

Began a job transition in April 2016 that was completed in November 2017 and now earn more than double what I made at the old job

I think those are the real biggies. Obviously, lots of smaller things, car repairs, home repairs, travel, medical expenses, and all of the other normal stuff. It's pretty powerful to look back like that.

Expensive week but fun

December 14th, 2019 at 02:11 am

It turned out to be an expensive few days, some of which was anticipated and some that wasn't.

Wednesday night we attended a whiskey tasting at a local liquor store that we go to regularly. In addition to the tasting, they held a raffle for the right to purchase 1 of 11 different hard to find bottles. My wife won one and I won one so we came home with 2 bottles at $100 and $150. Not something we were expecting but we'll get to enjoy them for months to come.

Yesterday and today we were in NYC. That was a planned trip for my wife's birthday which is next week. We had bought show tickets a few months ago. Of course, there were also travel costs (though the hotel was free on reward points), meals, and some incidental spending. We also ended up at a piano bar last night after the show which ran us another $107 in addition to the $130 for dinner, plus lunch yesterday and today, parking, etc. Worth every penny though as we had a great time.

Fortunately, it's all stuff we can comfortably afford to do while still meeting all of our investing goals and remaining debt-free.