Yesterday evening, I was blindsided with a crippling migraine.
I had planned on spending the evening strolling to a neighborhood restaurant to celebrate my sweet boyfriend's birthday, but my body had other ideas. He brought me some Tylenol, a bottle of water, and ordered take out.
Instead of celebratory patio drinks, I was in bed, desperately trying to block out the slowly fading light and echos of hungry meows from the kitchen.
I finally woke back up around 10 and caught a few minutes of True Detective while eating leftover Thai fresh rolls.
Sometimes life's unplanned obstacles derail your plans. No matter how far in advance you prepare. That's why personal finance matters.
It's hard to predict when curveballs will arrive, so it's important to know where you stand financially. A net worth is a bird's-eye view of how you're doing.
In May, I left my part-time job to free up time for blogging and freelance writing. I've managed to replace a healthy portion of my previous earnings on a much more flexible schedule. A small raise at my day job has also provided a nice boost.
I've reduced two of my monthly expenses over the past month:
Mortgage – $1,405.75 to $1,358.36 (removed private mortgage insurance)
Gym membership – $37.80 to $29.00 (discount through health insurance)
My next goal? Shop for a better home owner's insurance and car insurance deal.
We're planning on some home renovation projects later this year, so I've been slowly building up my cash. I'm keeping my cash in a high-interest online savings account until I need it.
Recently, I started using Personal Capital to monitor my net worth. And I love seeing all my accounts in one place! Plus, it's great to see a clear breakdown of how much I'm paying in investment fees.
Note: If you sign up for a free account through my affiliate link above, I may receive a small bonus. And your support helps keep Cashville Skyline running. So, thank you!
My neighborhood continues to see unprecedented growth.
As new residents flock to Nashville, inner city neighborhoods are experiencing extreme inventory shortages. Affordable homes are regularly selling for over asking prices.
According to Zillow, my home's value has increased by almost $18,000 over the past year. Given the high volume of weekly letters we receive from developers, I think I could sell my home for somewhere closer to the $250,000 range.
This time last year I was preparing to leave my job and saving every penny I could get my hands on. And my part-time job from August – December 2014 helped keep the majority of my savings in tact.
Overall, I'm very pleased with my $38,000+ net worth increase over the past twelve months.
Readers: How has the first half of 2015 been for your finances?