Life threw us a curveball or two but on the whole April was a happy month at the BITA household.
The weather was fantastic for most of the month and we picnicked outdoors twice. Both times we went to one of our favourite picnic spots, complete with vast green fields, hills, easy hiking trails and a stream to splash in. One of those two times we got to see some deer frolicking on the hillside.
Our dog, a.k.a. Fuzzy BITA went for his annual checkup and vaccinations and we discovered that he had a tooth infection. Further investigations into his mouth yielded the diagnosis of a congenital condition that causes his jaw bone to recede, which in turn causes the root of his teeth to be exposed, causing an infection. Luckily this time he did not lose his tooth. They performed a dental flap surgery and put him on antibiotics. He thoroughly enjoyed the fact that he got to eat boiled rice and chicken instead of his usual kibble for two weeks post surgery. All told his treatment this month cost us $1,061. And thanks to the fact that it is congenital and unpreventable, this won’t be the last time either.
Toddler BITA also went in for her annual doctor visit, and thankfully, there were no surprises in store for us there. She is in the 50th percentile for height and 75th percentile for weight. In my completely unbiased opinion she is in the 99th percentile for awesomeness.
Toddler BITA turned three this month. I was super pleased that we managed to score some great birthday gifts for her without spending a dime. We also spent a very reasonable amount on her extremely messy birthday party.
My father-in-law, mother-in-law, sister-in-law and niece visited us this month, and stayed for about a week. I used the planning for houseguests spreadsheet I have written about before to plan our outings and meals and ensure that we did not end up eating out extra for lack of planning.
Other activities this month included a birthday party of the child of a friend, a multi-home garage sale in our neighbourhood and Easter egg hunting. We spent $22 at the garage sale and scored:
- Two sleeping bags. One of them is nearly brand new and stuffed with goose down, a brand called Trailwise out of Berkeley. These are no longer made, but the internet raves about the brand, so we are thrilled to have scored one so cheap.
- 6 coffee mugs
- 4 wine glasses
- Mathilda, by Roald Dahl
- A pair of pajamas for Toddler BITA
- An oven-safe pan
Toddler BITA started a summer Daddy and Me soccer class at our community center. We are only two classes in, but thus far she loves it.
We also unlocked a major parenting achievement this month. Toddler BITA, who has been daytime potty trained for over a year now finally stopped wearing diapers at night too. We are officially #diaperfree.
Enough about life, on to the numbers.
Adding cash to the financial independence stash
This month we added $15,212.18 to our Stash.
- Mr. BITA’s 401k was maxed out in January, so that is why you only see contributions to my 401k and my company match.
- Mr. BITA, as is usual, enjoyed some mega backdoor Roth action.
- We added $4000 to our taxable investments, $2000 of which went to Fundrise. We’re investing a modest amount in the heartland eREIT offering.
- We ended up owing the IRS a little over $12k in taxes. It was not unexpected, and we had savings put aside to pay the taxman, but it stung a little nonetheless.
The market rally towards the end of April gave us substantial growth. Our Stash is up $20,993.49 this month.
The financial independence plan vs. reality
Our plan for 2017 calls for us to add a total of $160,000 to our stash this year. How are we doing so far?
YTD we have saved and invested: $101,048.69
YTD market growth: $79,049.46
To meet our goals for this year we have to save another $58,951 before the end of the year. That gives us a target of $7,369 a month. As long as Life does not decide to fuck with us majorly, we are certainly going to hit our savings target for the year.
Here I am, grinning from year to year, humming as I climb the stairway to heaven:
1343 days to go!
Financial independence status: Slightly ahead of the plan.