Returning to the Scene of the Crime…

Hawaii, here we come!

Hawaii, here we come!

Next week, I’ll join Mr PoP on a trip that he’s taking for work. Getting all of the details arranged for this upcoming trip also has me thinking about a similar trip we took to the same destination back in 2012 and one of the biggest things that came of it. That is, this blog – our own little home on the internet where we write about money, happiness, and kittens.

You see, it was nearly four years ago while on a similar trip to Hawaii that Mr PoP had the inspiration for us to start a personal finance blog. He envisioned it as a way for us to add a little easy passive income (fellow bloggers, don’t laugh) to our portfolio, and I agreed to participate, envisioning it as a project that we would really be working on together. But we had a compromise. To do it the way Mr PoP wanted – with full financial transparency into our income, spending, and net worth – I required us to be anonymous.

It Hasn’t Really Worked Out Exactly As We Thought

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PoP Balance Sheet – February 2016

Welcome to our February 2016 Balance Sheet!

We use the structure of a monthly income statement and balance sheet in tandem to make sure we are keeping our expenses low and planting our pennies wisely. If you’re not already tracking your finances using these two methods, go to and get started today! If you have any questions about how we do this just post a comment and we’ll be sure to help!

Not too much exciting happening on our balance sheet this month.  The S&P500 was down slightly for the month, but we invested enough into our 401Ks and our taxable accounts that we were able to counteract that and still end up with a bump on our net worth to get us to a new high water mark!

Anyhow, here are our numbers for February!

  • Our total assets up by $22.3
  • Our total liabilities went down by $1.4K 
  • Net worth went up by $23.7K 
  • Total net worth as of the end of February is $956.5K, which represents a 2.54% increase this month.

For the details…

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PoP Income Statement – February 2016

Welcome to our January 2016 Income Statement!

We're getting into the wood for the butcher block counter - check out these cherry and walnut boards!

We’re getting into the wood for the butcher block counter – check out these cherry and walnut boards!

Mr. PoP and I put these income statements together for two reasons. First, we want to be transparent about our finances because we’re trying to be role models for other people who are trying to plant their own pennies (and end up with dollars someday!). Second, we do this to make sure we’re on track to meet our own long-term goals. If you’re not tracking your income statement and balance sheet, we highly recommend you start using a program like Mint to keep track of it all.

February was a pretty good month for income and spending in the PoP household.  Mr PoP’s bonus check pushed our income up a good chunk (and also resulted in more being thrown into his 401K), our expenses were on the low side, too.

Though if January it felt like Mr PoP was dominating the expenses side.  It was apparently my turn in February with noteworthy spending coming from a new bike seat, helmet, and brakes for me.  The seat purchase happened earlier in the month, but the other two were a direct result of the crash.  My foot issues also saw $165 in medical spending and another $110 in new running shoes.  Luckily, they’re doing pretty well so far.  Fingers crossed as I try and increase my running slowly.  Rounding out the exercise/health front, I also bought a package of yoga classes to the tune of $250.  This should last me through the better part of a year of drop-ins at the yoga studio I go to.

And lastly, the travel expenses included a deposit for the Ecuador Chautauqua, which again is all for me, since Mr PoP will be going to Burning Man this year instead.

The Bottom Line

  • Earnings before principal paydowns and savings allocations of $12,551.  

And the details…

Continue reading PoP Income Statement – February 2016

Beware Friday The 2 x 13th…

And by that I mean, Friday the 26th.  Because for us, it felt like last Friday had double the bad luck of Friday the 13th!

Here’s how it went.  Despite being 30 miles away from one another, both commuting to our jobs in opposite directions (Mr PoP in the car, me on my bike), we both managed to execute a series of bad decisions culminating in a very unfortunate outcome at the EXACT SAME TIME.  That time – 7:49am.

Mr PoP’s Drive

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The Temptation To Throw Money At A Problem

New shoes!

New shoes!

I run. Kindof a lot, actually. So the pain that I felt about seven weeks ago while a couple of miles into what should have been a 21-mile training run was more than just physical.

Physically, my foot hurt. It didn’t seem to be a cramp that was getting better as I went along, so I turned around and headed back home, finishing my run 16-miles early. I didn’t do much else, but I was limping by the end of the day and for the next couple of days. It was the opposite of fun.
When resting it for a few days didn’t seem to make it that much better, I scheduled an appointment with an orthopedist, who recommended that I take 4 weeks off running and switch to bicycling and swimming in the meantime.  That was when the emotional pain and withdrawal symptoms (of not being able to get the high of my choice – the runner’s high) began to set in.

Withdrawal Was Rough…

Continue reading The Temptation To Throw Money At A Problem