Detailed Financial Picture – April 2015

March’s Numbers

As of April 7, 2015, we are $12,000 in debt without a mortgage (yet).  We currently have $591,430.79 in assets.  Our investment accounts are at $461,854.73. Our Net Worth is $579,430.79, up from $566,247.28 last month (2.33% increase).

I hate seeing so much money sitting in the bank collecting a pittance and not paying off the car loan.  We’re still on track to pay it off before the end if the year, but after almost 2 years of aggressive debt paying, this slow just above minimum payment is annoying.  It’s all 0%, so we’re not paying for the privilege of borrowing money, but it’s still annoying, we’d like to get rid of that payment.

This month, we spent a significant chunk of change on odor neutralizers and air fresheners for Dad’s car.  A rodent crawled in and died, and we can’t find the carcass.  We took apart the entire trunk and backseat – luckily, it didn’t die in the air/heat system – we can open windows and run the air.  What’s worked best for us has been this charcoal bamboo sachet that we got from Amazon.  It takes the smell from gagging level to bearable.  I’ve been driving Dad’s car to and from work (45 minutes each way) so that Daughter Person doesn’t have to be in the car.  We even took her car seat out so it doesn’t absorb the funk.  Meanwhile, I’m getting great gas mileage since his car gets better mileage and I’m the one with the longer commute.  We’re seriously considering trading the 15 year old Accord (aka rat-mobile) for a newer Prius V for me to drive.  I have perfect driving conditions for it: stop and go in traffic.

No news on closing on the house, but we have electricity, and the sales guy estimated 3-5 weeks after that happened it would be “completed”, and 2-3 weeks after that for closing.  So, we’re looking at early/mid May for now.  Theoretically, I was supposed to hear from the closing coordinator last week, but I didn’t.  I was going to give them the benefit of the doubt around the holidays and call today instead 🙂

Debt (in the order we’re paying it down):

  • Car loan (0%): $12,000 (-500.00)

Total paid off in March:  $500

3 thoughts on “Detailed Financial Picture – April 2015

  1. donebyforty

    I’m a big fan of the old model Honda Insight, if you’re open to other options for your long commute. Way better gas mileage, plus you can find some in a manual. They’re way old, too, so they’re cheap!

    I hear you on holding cash. We’re closing on a rental soon and I hate having all that money hanging out there, doing nothing. Oh well: not everything can be invested all the time, I guess.

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  2. Mom Post author

    I had an older Honda Civic Hybrid – the maintenance costs were astronomical on it, and the Insight wasn’t much better. The Prius has better long term maintenance costs. (Honestly, I’d love a Tesla – there are charging stations on campus for them – and free parking at the charging station 🙂 )

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  3. Pingback: Detailed Financial Picture – May 2015 | Three is Plenty

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