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About Me:

Monkey Mama

Just a 47-year-old mom of 2 in Northern California. My kids are Monkey Monkey(MM) and Drama Llama (DL). I am married to Monkey Hubby (MH).

We were a one-income family for 13 years. In late 2015 my spouse returned to work (minimum wage/part-time/seasonal). Something recent on his resume just buys us more options for the long run. The main benefit of this job is that he just works while the kids are in school. As always, we are saving 100% of his income.

We saved a lot while we were very young and also moved to a lower cost-of-living area, to make life much simpler. We still live in California though (in one of the most expensive regions of the U.S.). *Simple* and *inexpensive* is relative.

Likewise, we have never had debt aside from our mortgage.** My blog is a testament to how much simpler life is without debt; how we have that much more money to both save and enjoy!

**Caveat: I have no problem whatsoever with credit cards paid off monthly, or low-risk credit arbitrage (for example, 0%-interest debt while earning 5% on FDIC-insured cash). These are the kinds of debt we have had. Just not interested in high-interest debt, using debt to buy beyond means, and not interested in the hassle that comes with loans and payments. With age and means, the latter (hassle) is our biggest debt avoidance motivation.

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2024 Goals

[ ]Small monthly Charitable Contribution
...($230 @ 8/31/24)
...Trying to be more mindful about how the little amounts add up and are helpful.
...This is not an all inclusive list of charitable giving but it is a new habit I want to add in addition to other donations of time, goods and money

[ ]Pay cash for college
...This is so much a given, to me. But I realize not everyone can read my mind, and so will memorialize in my goal list.
...#1 We don't do Debt
...#2 The student loan system is a scammy and corrupt mess.
...Seriously, wouldn't touch these student loan servicers with a ten foot pole.
MM YEAR 1 ✔
MM YEAR 2 ✔
MM YEAR 3 ✔
MM YEAR 4
MM YEAR 5

DL YEAR 1 ✔
DL YEAR 2 ✔
DL YEAR 3

[ ]$10,000 to savings
...($7,749 @ 10/31/24)
...$1,000/month, plus interest
...Topping off with snowballs

[ ]$7,500 to investments
...($4,786 @ 10/31/24)
...~~$350~~ $400/month, plus snowflakes
(Snowflakes: credit card rewards and dividends)
...Topping off with snowballs
...Note: Bumped up to $400 9/1, re: reduced food expenses

[ ]$2,025 to mortgage
...($0 @ 10/31/24)
...Topping off with snowballs and/or excess cash
...Keeps us on track with $10K principal paydown per year

[/]9% of household income to work retirement plans
...(9% @ 10/31/24)
...This is the minimum for the match; I'd otherwise rather fund IRAs.
...Note: Total retirement savings rate is 20% (with IRAs)

Goal savings rate = 25% of gross salary, plus funding IRAs from other sources.

[ ]$14,000 to IRAs 2024 (MAX)
...($0 @ 10/31/24)
...Will fund with MH's income
...Will not fund until the year is over. This is for tax and planning reasons. I won't know what mix of Traditional/ROTH IRA we literally can contribute until we do our 2024 taxes. In addition to that, can make a more informed decision based on our financial and tax situation for the entire year.

-------------------------------

**Long-Term Goals**

[X]$500,000 in retirement accounts by age 45.

Current big picture goal:

[ ]$1 Mil in retirement accounts by age 52.

Stretch Goal: Achieve by age 50

Have decided to pretty much stay the course. Keep saving 20%+ to retirement. This means taking 401K match & maxing out IRAs.

NOTE: WE HAVE NEVER CONTRIBUTED LESS THAN 10% TO RETIREMENT. NO EXCEPTIONS.

If we can't achieve at least 10%, then something else has to give. I share because it's infinitely easier to save for retirement if you start early. Let the investments do the hard work for you.

-------------------------------

Debt: $85,000 mortgage
{Home Purchase Price $290,000}

Ongoing goal is to *never borrow money again.*

Took on a $230k mortgage in 2001 and have not added to that.

-------------------------

Net Worth: Increase net worth by $600,000 in the next 10 years. This is my "financial independence" goal.

2017: +$ 70,000 (partial year)
2018: +$ 51,000
2019: +$105,000
2020: +$104,000
2021: +$215,000
2022: <$ 65,000>
2023: +$ 90,000
TOTAL: +$570,000

This is in line with prior goal, saving 100% of our expenses every year.

{Our expenses are far more consistent than our income. Also, helps to prevent "living up to income."}

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My Pages

Teriyaki Sauce

August 26th, 2009 at 04:01 am

Just google "teriyaki sauce" and there are recipes galore.

I find this one to be fine. I just keep it in tupperware in the fridge - we use it often enough that I don't bother dating it or anything. I am sure one could buy a nicer container for their teriyaki sauce.

Anyway, I perused google but couldn't find my recipe so I will just share it. I just don't know where I got it or who to give credit to (oh well).

& I am sure there are BETTER recipes. After perusing the internet a bit, I think I may try some others.

1.5 cups soy sauce
1/2 cup brown sugar
3 Tbsp Sherry (I use cooking sherry)
1 Tbsp garlic powder (I use fresh garlic)
1 tsp ginger powder

Stir until sugar dissolves.

Enjoy!

Posted in What We Eat | 4 Comments »

4 Responses to “Teriyaki Sauce”

whitestripe Says:
August 26th, 2009 at 04:38 am 1251257883
1251257883

oh wow. i didn't know that was teriyaki, i use that kind of recipe in my stirfries all the time! thanks for giving me the name lol.
sweetmama Says:
August 26th, 2009 at 06:46 am 1251265590
1251265590

Yum! Mixing spices I've done, but I've never really thought to make teriyaki sauce. Thank you!
BTW - love your blog, money & food my 2 favorite things!
Broken Arrow Says:
August 26th, 2009 at 01:29 pm 1251289745
1251289745

Hmm! Silly me, I've never actually thought of just making Teriyaki sauce before.... However, when I do need it, I do try to find one from a nearby Asian supermarket. You know, one of those bulk, very large containers that Chinese restaurants use. They're fairly affordable I think, considering how long they will last.... I love Teriyaki sauce. Your method is probably better since I can control the specific taste and quantity. Will have to give that a whirl. Thanks!
monkeymama Says:
August 26th, 2009 at 03:08 pm 1251295724
1251295724

I forgot to add - I always add fresh chopped green onions to it (when I serve it). Just don't store those for long.

What's a soy based sauce without green onions? YUM!

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Over Prepare, Then Go With The Flow

Teriyaki Sauce

4 Responses to “Teriyaki Sauce”

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