Frugal Honey

My Financial Journey

Preparing for Baby No. 2

I am currently 17 weeks and 4 days pregnant which means that this baby is due to arrive about a week or two before Christmas.

Being the second born, the hubby and I are no longer as wide-eyed with excitement as we were with our first. Yes, there is still joy with the thought of having another tiny human to cuddle and love once again, but this joy is tempered with the thought that we are now responsible for two human beings, thus, we have to get our shit together.

Getting ready for baby number 2 means: (a) preparing my body for the birth; (b) preparing for the actual birth; and (c) preparing post-birth.

As a second-time mom, I know that I can only really prepare for a & b, while c just means going with the flow and dealing with things on a day to day basis.

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2016 2Q Net Worth Report

ChartGo-2Q 2016

I reached a milestone last quarter when my net worth passed a certain threshold amount. I also had a 9.16% increase in net worth from 1st quarter this year, which incidentally is the biggest increase I’ve ever had since I started tracking my net worth and is also so close to my dream of a double digit net worth increase. Yay!

This big increase in net worth was brought about by my conscious efforts at stashing away money because of the dreaded salary delay in government service when starting in a new position. It doesn’t seem very impressive in the chart since the increase from the last quarter is only 1%-2% for savings and investments, but the raw numbers made me do a happy dance.

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Change is Coming

Sorry if the title is misleading, but I’m actually not going to talk about the upcoming administration, rather, this will be a more personal and self-indulgent post on my most favorite topic, me.

So I’ve already written about my current boss’ end of term and how that will affect us (i.e. I will lose my job). Of course I have been preparing for it by sending out resumes, tapping my network and setting aside cash, but it’s so frustrating how the job search isn’t going as fast as I want it to. I have had several promising interviews, however, as it turns out, my top picks have ridiculously long application processes (between 4 months to 1 year). The only thing I can do now is wait and pray, things that I’m not really good at to begin with.

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2016 1Q Net Worth Report + A Confession

I’m going to make quick work of last quarter’s net worth report by saying that nothing much changed because whatever gains I might have made by paying down my debt to my parents, were offset by the depreciation of my car. My investments also didn’t post any significant change, which in a way is comforting since it could be a sign that the downward spiral has finally stopped and, if the stock index is any indication, stock prices are inching their way up again. As my husband always says, I’m forever the optimist 🙂

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Sayonara Kyoto!

I’ve been looking forward to our July trip to Osaka & Kyoto for months now. In fact, I’ve talked about Japan so much that my friends and family are probably sick of hearing about it. But lately I’ve been feeling uneasy over the trip because of the possibility that we may not be able to afford it after all because: (1) I might be moving jobs after June, which means 2-3 months of no income; and (2) I’ll be dipping into our emergency funds for our spending money during the 11 days we’ll be in Japan.

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