It’s Saturday morning, nobody is awake. I’ve just spent about 20 minutes sipping on coffee and watching the bird feeder, which is how I try to start every day, all is peaceful, all is calm, except for the woodpecker who is fighting with the lady cardinal over the seeds (guys, guys! Chill out! I have entire sacks of the good stuff!).
I’m trying to hold onto this feeling of zen because it’s June 1 and ENW time and that is the opposite of zen. We truly hit rock bottom about a week into May, when I paid the last bit on the bathrooms (the bathrooms, by the way, have been incredible; I can’t believe we lived so long with one bathroom for six people, and having a toilet and a sink near the kids’ bedroom is awesome).
So here it is, June 1, we went through some really rocky months, and hopefully this is the start of moving on up. My ENW at the start of May was $5,000.
As of a few seconds ago, Mint thinks my net worth is $15,833.59. An increase of about $2000 from what it thought last month.
Here’s what Mint doesn’t know: I have about $30K in my husband’s retirement account, and I owe about $24K in home improvement loans (solar panels, waterproofing the basement), $11,864 in no-interest credit card debt (old consumer debt plus the new bathroom stuff; some of the new bathroom stuff is on my regular credit card, which I’m going to try to move over to the no-interest card if I can finagle an increase in the limit, just to let us breathe through these two months), $2K in brain surgery debt. About $600 on my new computer. So, I have an additional $30K, I’m down an additional $38K.
So: Mint’s number minus $8,000 = $7,800. OMG it increased from last month, and it’s positive.
We’re still in a bad way. I feel a lot of pressure to keep up my freelancing work to the tune of $3000 a month from my main company (I failed at that last month, only making about $2200, but I had surgery and some family stuff and excuses excuses but let’s just hope I can right this ship).
But on the other hand, we paid off the lawn mower, and will pay off another small bill this month (like, tomorrow). Almost all of our debts are under 4% interest. We just need to keep plugging along.