Author Topic: Net worth decrease 2020 (i.e. the 'present' you give yourself)  (Read 250018 times)

techjunkie91

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #650 on: January 19, 2017, 03:31:58 PM »
Been a good year finally turning it all around.

1/1/2016 - NW -$36,577.56
12/12/2016 - NW +$8,616.02

NW change on year $45,193.58 or %125.6

FrugalFan

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #651 on: January 19, 2017, 06:28:41 PM »
Congrats on getting to positive! You will be amazed at how quickly things can increase if you stick to it.

cognitiveitch

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #652 on: January 21, 2017, 12:24:54 AM »
Jan 2016 NW: $10,600
Jan 2017 NW: $28,500

Just getting started, still paying off student loans, but feeling pretty good about that progress and have plans to bump it up way more this year!

Ryland

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #653 on: January 21, 2017, 09:38:22 AM »
Hah!

2015: $100k
2016: $155k (and took a 3 month sabbatical!)

Savings ratio for the win!

merlin7676

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #654 on: January 25, 2017, 10:29:28 AM »
Dec 2015: $47513.96
Dec 2016: $80583.50

so almost doubled plus paid of 8K in debt.

I don't include house b/c isn't not an asset to me until I'm ready to sell it.

BrightFIRE

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #655 on: January 26, 2017, 07:29:23 AM »
I found MMM in late May 2016 and dove in with both feet. Got the SO on board too. He quit clown-commuting 1.5-2 hours EACH WAY in late November and started a job he can now walk/take transit to. It is financially better, but quality of life-wise, this has been the greatest improvement.

Jun-Dec 2016: Still negative, but lots of progress. Paid off 3 grad school loans of $15,000, paid down $12,100 more. (Remaining ~$35k will be forgiven under PSLF this October.) Saved $5600. Also have $10k in SO's 401k.

2017 Goal: Max out both IRAs for 2016 and 2017, his 401k and my 403b. $65k saved by year end and a positive net worth/totally debt free for the first time in my adult life. I'm 44. (Secretly hoping to come back to this post in December and see I smoked that $65k number.)

NinetyFour

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #656 on: January 26, 2017, 08:42:08 AM »
Wow--that's awesome progress!!

actionjackson

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #657 on: January 26, 2017, 08:59:15 AM »
Numbers in AUD

End 2015: $222k
End 2016: $299k

Trying to improve the savings rate in 2017 to get to $400k.

davef

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #658 on: January 26, 2017, 02:47:31 PM »
Wow some great Numbers!

I am definitely not a full blown mustashian... My wife and I do buy some nice things, newer cars etc. dinner out once a week (usually $40) but we are fairly frugal.
We save about 40% of our 110k combined income.

1-1-2017 414K
1-1-2016 344k
1-1-2015 326k
1-1-2014 278k
1-1-2013 168k
1-1-2012 125k (Found MMM)
1-1-2011 110k
1-1-2010 68k
1-1-2009 25k
1-1-2008 roughly 0

DWW

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #659 on: January 26, 2017, 02:51:52 PM »
Network increased 65k this year. Went from 80k to 145k.

Exflyboy

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #660 on: January 26, 2017, 06:21:50 PM »
Wow some great Numbers!

I am definitely not a full blown mustashian... My wife and I do buy some nice things, newer cars etc. dinner out once a week (usually $40) but we are fairly frugal.
We save about 40% of our 110k combined income.

1-1-2017 414K
1-1-2016 344k
1-1-2015 326k
1-1-2014 278k
1-1-2013 168k
1-1-2012 125k (Found MMM)
1-1-2011 110k
1-1-2010 68k
1-1-2009 25k
1-1-2008 roughly 0

Pretty good numbers.

Hello from Corvallis..:)

davef

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #661 on: January 27, 2017, 11:36:18 AM »
Thank you.
Who do you fly for?

Exflyboy

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #662 on: January 27, 2017, 11:39:25 AM »
Thank you.
Who do you fly for?

Just me.. It was a hobby...:)

AllTheLights

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #663 on: January 29, 2017, 10:05:31 AM »
First time posting but I have been reading for a while.  I was relatively money conscious prior to finding MMM but my awareness has definitely gone up since reading this blog and others over the past 8 months or so.

NW Gains by year:
2013: +$29,300
2014: +$28,700
2015: +$40,900
2016: +$64,400 (projected)

These are inclusive of property value increases.  We bought our first home in 2014 and spent a lot of money on household wares/improvements/stuff, that's why the increases stagnated a little bit.  We got our heads on straight in late 2015 and then kicked into a higher gear this past year.  Altogether my personal expenses were reduced by almost $18k (I was really spending like a drunken sailor in 2015 apparently) in 2016 compared to 2015 and there is still room for more improvement.

I'll revisit this post after December 31 to see how accurate my projection was.  Maybe I'll include some info about our combined NW change as a couple (numbers above are just me).

It took a little longer for me to get back around to this.  My actual NW change in 2016 was better than I had estimated at $69,800!  Pretty happy about that.

Our combined growth as a couple was $123k but around half of that was property value increase/mortgage repayment.

pachnik

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #664 on: January 29, 2017, 10:28:34 AM »
I had to look up my net worth increase in my journal and was I surprised!

Here it is:

December 31, 2015 - $371,000.00
December 31, 2016 - $408,000.00

$37,000.00 increase.  I put in $13,000.00 - usually about a $1,000.00/month.  For 2017, I plan to put in $15,000.00. 

Lindy

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #665 on: January 29, 2017, 06:43:22 PM »
I really like this thread!  It's great to see how much everyone's gained.

Thought I would join in.

January 2016 net worth $68,842.88
January 2017 net worth $105,741.88

frogstomp81

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #666 on: March 04, 2017, 08:38:29 AM »
January 2016: 466,662
January 2017: 605,216

« Last Edit: March 04, 2017, 08:46:56 AM by frogstomp81 »

dragoncar

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #667 on: March 05, 2017, 06:16:31 PM »
2 billion

DoctorOctagon

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #668 on: March 06, 2017, 09:46:35 PM »
All numbers are January

2013: $95,000 **** After 4 years working a job with 29,000 salary + small side gigs
2014: $115,000 **** Quit day job and pursued dreams in August 2014
2015: $145,000 **** Compounding responsible for most of gains
2016: $158,000 **** Worst january in the history of the S&P
2017: $330,000 **** Invested $60,000 in market in 2016.  Remaining gains due to use of margin (I was up to 1:4 leverage ratio but now it's 1:7 due to rallies) AND leveraged index funds (SPXL TQQQ etc).  I pay 1.7% APY for the margin loan.

I didn't realize my net worth went up $188,000 in just one year.  Long term buy and hold investing combined with the use of risk crush homeownership as a wealth building tool (I rent).


TheAnonOne

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #669 on: March 07, 2017, 06:17:27 PM »
I went from 253 to 368

115k.... wow. I didn't even notice it went up that much. Obviously, I was watching the numbers but never really did a YTD on the thing.

Sitting at 408 now... so from 368 to 408 from Jan 1 2017 to march 7th.... dang about 40k...

sw1tch

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #670 on: March 08, 2017, 06:27:15 AM »
What a great year:

1/2016 - $275,600
1/2017 - $400,014

I'll post my approximate #'s here including my estimated pension balance at the beginning of the year:

2015: $236,000 (included estimated house value but sold it mid-year)
2016: $338,000
2017: $474,000
Current: $515,000

OurTown

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Scrooge

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #672 on: April 11, 2017, 07:46:24 AM »
And one contestant from Finland.

Currently adding about 24 000 eur a year in cold hard savings on my bottom line.

2017 dec: (estimate) 182 000 eur
2016 dec: 159 000 eur
2015 dec: 134 000 eur
2014 dec: 110 000 eur
2013 dec: 92 000 eur
2012 dec: 74 000 eur
2011 dec: 58 000 eur
2010 dec: 40 000 eur
2009 dec: 24 000 eur
2008 dec: 14 000 eur
2007 dec: 3000 eur
2006 dec: -3000 eur (just finished studies)

bigchrisb

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Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
« Reply #673 on: April 11, 2017, 03:20:18 PM »
To keep this updated:
2016: $2672k
2015: $1683k

Being leveraged to bull markets in both shares and Australian property has seen some crazy gains. I've been focussing on reducing leverage recently, in preparation for a trial FIRE later in 2017.

2014: $1396k
2013:  $1152k
2012: $885k
2011 $649k
2010: $615k
2009: $183k
2008: $54k
2007: $48k 
2006: $11k (Personal finance awakening)

Run rate over the last couple of years seems to have stabilized around $240k/year, about 50/50 saving and investment return.

Optimiser

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #674 on: April 11, 2017, 05:51:28 PM »
12/31/2011: $18,719
12/31/2012: $23,793   Income: 20k/yr.
12/31/2013: -$57,156   Started grad school financed by loans and got married and to a wife with a lot of student loans
12/31/2014: -$71,684   Still in grad school - more loans. Found MMM.
12/31/2015: -$68,111   Graduated and started working in June.
12/31/2016: -$61,128
« Last Edit: April 11, 2017, 05:59:45 PM by AntiochOG »

RetirementDreaming

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #675 on: April 12, 2017, 09:32:26 PM »
12/31/2015   $846,000
12/31/2016   $1,035,000

Davids

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G-dog

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kayvent

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #678 on: December 03, 2017, 03:31:30 PM »
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.

01/12/17: 33K. (This surprised me. From September to November of this year, I had ~4000 in unexpected expenses arise. I still managed to go from saving 2K/month from 01/09/15 -> 01/12/16 to 2.75K/month from 01/12/16 -> 01/12/17. Student loan should be finished in a few months.)

arebelspy

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Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
« Reply #679 on: December 05, 2017, 10:42:35 AM »
11/30/13: $468K
11/30/14: $605K
11/30/15: $688K
11/30/16: $802K
11/30/17: $1,010K

I love when people quote their years old posts with new data.

Well done! 4 years you more than doubled your NW, and hit > 1MM!  Congrats! :D
We are two former teachers who accumulated a bunch of real estate, retired at 29, spent some time traveling the world full time and are now settled with three kids.
If you want to know more about us, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (rarely) blog at AdventuringAlong.com. Check out our Now page to see what we're up to currently.

Bateaux

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #680 on: December 05, 2017, 07:25:30 PM »
Hell, I don't know.  We're raising our net worth about $5,000 a week. 

bigchrisb

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Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
« Reply #681 on: December 06, 2017, 02:14:53 PM »
2014: $1396k
2013:  $1152k
2012: $885k
2011 $649k
2010: $615k
2009: $183k
2008: $54k
2007: $48k 
2006: $11k (Personal finance awakening)

Run rate over the last couple of years seems to have stabilized around $240k/year, about 50/50 saving and investment return.

Joining the old quote club...   To bring this up to date:
2015: $1683k +287k
2016: $2672k +989k (+600k from trauma insurance, a bit of a net downer)
2017: $3009k +336k (married, had a kid, quit work in October)

Pretty amazing how fast it snowballs!  I'm interested to see what happens in 2018, as this will be the first year with no active income

dragoncar

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #682 on: December 07, 2017, 01:28:12 AM »

marty998

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #683 on: December 07, 2017, 03:02:41 AM »
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

mustachepungoeshere

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #684 on: December 07, 2017, 03:47:35 AM »
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

I’ve been waiting for this!

Thank you for maintaining the tradition, Marty.

I shall be back in two days to post my update (though you already know the number).

marty998

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #685 on: December 07, 2017, 03:53:01 AM »
There's still 3 weeks and a bit weeks till end of year. You never know, you could buy bitcoin and it'll go up by 10x in that time :P

K-12FI

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #686 on: December 07, 2017, 04:45:13 AM »
Total NW:

Jan 1 2017: -$24,413.19
Dec 1 2017:  $5,177.90

Total Increase: $29,591.09

chasesfish

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #687 on: December 07, 2017, 05:33:05 AM »
Up $279,000 in 11 months.   Trailed the market in the return too, but this was the first year in a while I've been *really* using that deferred comp plan.  I should have my first year saving over $100,000.

UnleashHell

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #688 on: December 07, 2017, 05:37:26 AM »
down about 50%

Divorce'll do that.....

pancakes

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #689 on: December 07, 2017, 05:56:59 AM »
Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Dec 2016 $256k
Nov 2017 $278k

Not quite the +$61k from last year but I stopped working in February (though did receive a small amount of paid leave) and Mr Pancakes took three months off between jobs, part of which we spent traveling. We also moved across the country and had a baby. I feel like we spent the whole year haemorrhaging money so the fact we went forwards at all let alone $22k kind of perplexes me.

The final result at the end of december will be interesting.

Abe

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #690 on: December 07, 2017, 06:01:44 AM »
Up about 65% ($300k to $500k) from selling a house and stock market gains. Have a year and a half of living in a super high-cost rent area for training. Hopefully then we will move and our combined salaries will double to allow for a 60% savings rate!

Pooperman

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #691 on: December 07, 2017, 06:23:27 AM »
2015: $57k
2016: $69k
2017: $130k

Hooray for house appreciation > inflation. Investments are sitting at around $73k. This was a poor year for spending.

DS

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #692 on: December 07, 2017, 07:20:54 AM »
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

"Net worth increase this year (i.e. the 'present' you give yourself)" ;)

Lews Therin

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #693 on: December 07, 2017, 07:26:59 AM »
I've gone up by more than my salary... Not sure how that happens... (Go stock market!)
Salary: 86k.

2016: 95,000
2017: 184,000

Whoo!

iris lily

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #694 on: December 07, 2017, 07:29:43 AM »
Total NW:

Jan 1 2017: -$24,413.19
Dec 1 2017:  $5,177.90

Total Increase: $29,591.09
God I love it when people go from the darkness (debt) into the light!(the black in assets)

You are now in  Positive Net Worth Land. Way to go!

itchyfeet

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #695 on: December 07, 2017, 11:31:51 AM »
Bumper year for us.

Shot up from 67% of target to 79% of FIRE target so far.

Waiting on retirement fund manager reports in Jan, and with the good share market I could prob expect another $30K as a cherry on top for the year.

Good year in real estate, plus an extremely high income year from my job.

Expecting realestate to flatline in 2017, but high employment income to continue for at least 1 more year, if my job doesn't kill me in the mean time. Lol.

No idea what the share market might get do in 2017,  but we'll keep accumulating and increasing our exposure.

Thinking maybe 2.5 years to FIRE, but might pull the trigger a little earlier and roll the dice on picking up some post RE non-investment income.

With three weeks still remaining, I shouldn’t be counting my chickens just yet.... but...

Bumper year for us.... again.

Decided somewhere along the way to increase our number, rather than bring our FIRE date forward.

Still, we are now at 86% of our new number. So close!!

1.5 years to FIRE



sol

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #696 on: December 07, 2017, 11:54:37 AM »
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

It's not even the end of 2017, and we're already well over 100% of our target goal.  At this point, it's not money that is keeping me at my desk.

As previously discussed, I still plan to give away at least half of my salary for every paycheck I receive past my target date.  The other half will go towards special spending projects, like replacing the siding on my house before we have any structural damage, to try to minimize future unexpected irregular expenses.  The recent spike in asset values has me a little worried about a coming crash, but it has spiked so far by now that even a moderate recession would leave us in reasonably good shape. 

Lews Therin

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #697 on: December 07, 2017, 12:01:21 PM »
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

It's not even the end of 2017, and we're already well over 100% of our target goal.  At this point, it's not money that is keeping me at my desk.

As previously discussed, I still plan to give away at least half of my salary for every paycheck I receive past my target date.  The other half will go towards special spending projects, like replacing the siding on my house before we have any structural damage, to try to minimize future unexpected irregular expenses.  The recent spike in asset values has me a little worried about a coming crash, but it has spiked so far by now that even a moderate recession would leave us in reasonably good shape.

Since you're so close, are you looking at switching some assets over to safer investments, or just letting it ride?

sol

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Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
« Reply #698 on: December 07, 2017, 12:07:47 PM »
Since you're so close, are you looking at switching some assets over to safer investments, or just letting it ride?

I'm letting it all ride.  I have an IPS and it tells me to stick with my chosen asset allocation unless I have a reason to believe I am suddenly smarter than the market.  I haven't been any smarter than the market since at least 2013, when I was fearful it would crash, but I let it ride then too and I'm glad I did.
« Last Edit: December 07, 2017, 12:27:35 PM by sol »

mustachepungoeshere

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Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
« Reply #699 on: December 07, 2017, 12:18:20 PM »
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

You can check out any time you like...