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budgetsandkale

In my hand is the cashier's check for selling my S

In my hand is the cashier's check for selling my Subaru! We officially own 2 cars now instead of 3. And the best part? We ended up selling it for the EXACT price we bought our Mazda for!
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The Mazda behind me is a Mazda CX-5 we've owned (#paidincash) since December. It was an AWESOME deal that I jumped on. We'd been waiting for years to buy a bigger vehicle. My teeny subaru Impreza that I love dearly literally couldn't fit us all with the dog!
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We decided to wait a few months to get it all cleaned up and listed but then....March happened. On top of Covid-19, that's when my accident (not car related) happened. So between a wired shut jaw, concussion recovery, 2 surgeries....listing and selling the car wasn't exactly a priority (plus who was buying a car?!)
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We listed about a month ago on @facebookmarketplace and I told my husband that I expected it to sit for awhile but that the color would sell the car to a specific buyer. That subaru is a baby blue color that isn't common. We had only 2 people reach out that immediately asked us to drop the price by 30% or more. I knew the right buyer would come along and sure enough she did! From first message to driving away it was less than 24 hours. At FULL asking price! We priced it fairly but aggressively, expecting some negotiation. And without us even asking she said the color is what sold her! It was a little emotional for me to list this car but I'm so happy with who it went to.
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I'm SO GLAD we waited because we had no additional cost in letting it just sit at our house. And tbh I'm still in shock that it ended up an even trade. Yay!
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Last but not least, I have teeth again! I cracked off about half of the front 4 upper teeth in that accident and I'm so happy to have a normal smile again.
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#cars #sell it #sold #dfc
#debtfreecommunity #debtfree #family #facebookmarketplace #fi #personalfinance #happyday

Full Blog Post is at the link in bio @budgetsandka

It’s been awhile, and I took a much needed pause

It’s been awhile, and I took a much needed pause from this IG account to really consider the time I spend online, how I actually earn income online, and to move forward with intention.

After following #realestateinvesting for awhile, I LOVE the #reicommunity and following what people do. We were super interested, and thought it might be a good way for us to build wealth…...until I ran numbers. Which is SO important to do. And looking at the big picture, risk vs. reward (ESPECIALLY in this crazy time of global pandemic!), etc….we realized that no way in heck does it make sense for us! I earn that much now in *nearly* passive income. It’s not passive, but the time spent is pretty minimal. And it doesn’t come with a freaking mortgage of debt! OR major risks that I’d need a separate large emergency fund for (I’ve kept separate business/website savings always, but it’s nowhere near the amount needed for a house).

This is an apples vs. oranges type of comparison, but it’s the realistic one we needed to look at. I really encourage ANYONE who is considering REI #realestate to run their own numbers and assess their risk. To be fair, if we already had the separate “rental house emergency fund” built up this would be an entirely different discussion.

The full picture of our story is at the link in bio. I welcome constructive criticism on this because frankly, I want to know if I’m failing to miss something big here. And I’ve also got a lot of work to do internally to question why it took me so long to realize this. Budgets & Kale is not the only website I’ve created, or currently run.

I’ve got a lot of thoughts about IG right now too. Since I stopped on IG I’ve been able to insanely grow my website’s traffic. It’s made me heavily consider the value of my time, and if I’ll be on here much at all. This all feels rambly, but that’s where I’m at. Thanks for reading this if you’ve made it 🙂 #personalfinance #pf #money #talkaboutmoney #investing #rei #real #frugalcommunity #debtfree #debtfreecommunity #debtfreeliving

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