There Goes the Neighborhood

When your only debt is your mortgage is it normal to question selling on a daily or weekly basis? It used to be such a quiet neighborhood.  Mr. Cabbage and I are now greeted every single time we leave or arrive home – by our townhouse’s neighborhood watch made up of four large, ridiculously LOUD and obnoxious dogs who all live next door.  They awaken us every weekday and weekend morning and we used to LOVE sleeping in.  The dog’s owners leave their bags of poop in their front yard next to their stoop at times for the entire week until trash day.  It looks so classy.  The same lovely neighbors own both a piano and a drum set and some sort of speaker system that literally shakes our walls occasionally like an earthquake or a helicopter.   I know that if we did choose to sell our townhouse, that this neighbor would dissuede buyers.  Do people ask neighbors to clean up their mess and quiet their animals so we can sell and escape them?  As you might have guessed, we’re not friendly. Our community shut down our Airbnb that we were running very successfully after six months.  According to the Home Owners Association, temporary leases have to be a minimum of a month-to-month basis.  Our Airbnb was lovely and we were consecutively Superhosts AND we earned enough from it to throw a chunk at the mountain of mortgage debt.  The effort to flip the basement […]

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Separate But Equal

Mr. Cabbage and I are a duel income no kids (DINK) couple and we will NEVER EVER combine our finances. We have both been in marriages where we combined finances and the other person had different or no financial goals. I am now in a relationship where I am open about my finances and financial goals and it is wonderful […]

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Financial Fear

What are your biggest financial fears? The things that could derail all of your progress toward financial freedom, wipe out your emergency savings or put you into debt all in one fell swoop? For me, there are really only a few nagging issues that cause periodic bouts of worry.. unforeseen medical costs, family and extended unemployment. Medical Concerns: Does anyone ever have a sound understanding of how good their medical coverage is until they need it? In the past few years I have started using a health savings account (HSA) in conjunction with a high deductible insurance. Because I don’t frequently need to use my insurance, and because my company puts a lump sum contribution into my HSA… so far… knock on wood…it has served me well.  Familial Responsibility: Family starts with an F for a reason, right?  As of late, my mom, is my biggest money anxiety.  Last Spring she was diagnosed with Alzheimer’s.  She has very little family living nearby, is afraid of losing independence, and is unwilling to accept help.  Last Summer she told me she wanted to die alone in her house.  A byproduct of her disease has been her inabiltiy to manage paying her bills on time (or at all) and her dependence on her financial planner.  The guilt and pressure of how much money I would need to pay when shit hits the fans has kept me up at night since she has no  money saved for a care facility, home care or future medical care […]

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