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My 31st Birthday Post

I don’t remember writing birthday posts but when I searched my site  couldn’t believe I had written one every year since I was 27!  I thought it would be fun to read those posts back and see what was my focus and how it has changed over the past few years.  I had the foresight in most not to talk about goals and objectives since the end of the year is around the corner.

My 27th Birthday Post – Personal finance wise I listed my original debt and how much I had paid off since I had started the blog a few months earlier.  The intensity The Wife and I had to get rid of nearly $17,000 worth of credit card debt was amazing. I think I need to rekindle that fire for other goals.

My 28th Birthday Post – I didn’t focus on personal finance on the post, rather focusing on my family.  That year we suffered a miscarriage so I was really intent on starting our family.

My 29th Birthday Post – I was 30 days from the baby’s due date (he came 10 or so days early).  It seems at the time we were clearly in operation horde cash for the future home purchase (see below for more information).  I was also about 6 or 8 weeks away from starting my most successful (by far) stream of income.

My 30th Birthday Post –  I took the time to share what I was thankful for which is mostly the people in my life. I still feel the same way I way I do about all those people.

Turning 31 Years Old

Personal Life

This post is being published a few days after my birthday but today, November 12, 2012, I am going to sign the contract on my family’s new home.  I am excited to move from our townhouse to a larger home, but man am I anxious about the whole transaction. Our buyers are have yet to secure a mortgage commitment, and it isn’t due to a lack of trying.  Their lender keeps requesting more information from my Condo board and then with Hurricane Sandy life in New York got put on hold.

I am also anxious as I really like my townhouse.  It is 4 miles from work, my neighbors are AMAZING people, my family is close and the cost per month has allowed me to make a lot of other moves in my financial world (I guess that would include hording cash to put 20% down on the next place during the worst housing market probably in a generation or two).

Other than the house, I think The Wife and I are also going to “pull the goalie” really soon so 32 Year old post might include a second child. I am praying that the conception portion this time is less stressful, and I think it will be, since anytime things get tough we can still look at our son and remember things are good no matter what!

Financial World

The new house is going to change our monthly nut but despite being double the value (First home was $250K new place is $500K) and double the taxes ($4,500 to $11k) the change won’t be that hardcore since we are going from our current 5.75% mortgage to hopefully around 3.75%. It is amazing how much lower one’s monthly payment can be when mortgage rates drop.

Once the transaction is completed The Wife and I will come up with a number that we want to keep completely liquid and after that I can then shove excess at different investments or maybe even a rental property (or just maybe my dream side business).

Exciting times coming up both financially and personally! Wish me luck.



  1. Congrats on the new house! Now seems like a good time to buy, especially since interest rates are still so low. It must be a very exciting time for you.

    I just got into contract on my second property, which was a short-sale. I’m not getting too worked up over it, though it would be nice to win. With short-sales, it’s kind of a 50/50 gamble, so you just have to keep trying and stay persistent.

  2. I think it’s nice to see how things have grown for you over the years in one place. How fun! Congrats on the new home!

    • Thank you. I always find it amazing when I open an old post and remember where I was in my life. I wish I had more personal stuff on the site so I could remember some of the good times that have nothing to do with money LOL

  3. Congrats on all of the big changes. Enjoy the new house and good luck getting rid of the old one. Good luck to you over the next year!

    • Thanks! My goals and objectives post at the end of the year is the best way to call myself out (steal the format also I think you’d like it)


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