It's been a LONG time!

Wow, it's been almost exactly three months since I wrote my last post. Where have I been? Nowhere really... I was just experiencing a writing slump as it is one of my least favorite activities to do.

With that said, my last post was about investing your spare change automatically using Acorns. So I've been using Acorns a little over a month and I currently have $141.57 invested from my spare change. To be exact, I signed up on May 15, 2014. I like the idea and I think I'll stick with it. They have 5 different portfolios you can choose from: Conservative, Moderately Conservative, Moderate, Moderately Aggressive, Aggressive. I am currently using the Aggressive portfolio. Let me know if you want me to break it down.

Our journey to zero debt is still in effect. Instead of paying the student loan off with the debt snowball amount, I'm actually putting it away in savings. So the basis is, save enough to pay off the student loan at once. This also makes us feel a lot safer if we need cash for an emergency. If there's no emergency until then, we can pay it off.

I've also invested a chunk of our savings (student loan payoff fund) to 6 different stocks/funds that pay out monthly dividends and plan on re-investing the monthly dividends into more shares of which it came from. I've also been using an online bank where a lot of the transactions can only be done via iOS of Android app. It's called Simple. I like the idea behind it but the only reason I'm not fully migrating to this as my checking account is the lack of joint account feature. My wife and I share all our finances so it's imperative that we can have a joint account with a debit card of our own. I've been speaking with the customer service team at Simple and it doesn't seem like they're going to introduce a full joint account feature which is no go for us. I'll keep my eye out to see if they ever do.