Author Topic: Race from 10 to 100k!!  (Read 794867 times)

peppermint

  • Stubble
  • **
  • Posts: 161
Re: Race from 10 to 100k!!
« Reply #2400 on: June 01, 2019, 10:04:53 AM »
01/2018: $40796.81
02/2018: $41337.51
03/2018: $42682.42
04/2018: $46138.41
05/2018: $48761.77
06/2018: $51084.06
07/2018: $56155.54
08/2018: $55622.63
09/2018: $62036.49
10/2018: $64543.48
11/2018: $63002.61
12/2018: $65136.29
01/2019: $64776.35
02/2019: $69347.10
03/2019: $71885.58
04/2019: $74177.34
05/2019: $76475.71
06/2019: $77621.20

Net gain overall, but the market hurt me too.

Lamancha

  • 5 O'Clock Shadow
  • *
  • Posts: 40
Re: Race from 10 to 100k!!
« Reply #2401 on: June 01, 2019, 04:53:52 PM »
Nov 2018- $23,000
Dec 2018- $26,000
Jan 2019- $29,000
Feb 2019- $36,000
March 2019- $40,000
April 2019- $43,000
May 2019- $48,000
June 2019- $54,000

zygote

  • Bristles
  • ***
  • Posts: 313
Re: Race from 10 to 100k!!
« Reply #2402 on: June 02, 2019, 10:25:19 AM »
For context: I'm 29 in a HCOL city. I'm married, but these are my own numbers since we keep our finances separate. Includes cash, retirement, and credit cards, which are used for normal expenses and paid off in full every month.

3/18: $48,533.91
4/18: $53,215.13 (+4,681.22 - extra paycheck)
5/18: $55,433.65 (+2,218.52)
6/18: $57,041.95 (+1,572.27)
7/18: $59,753.49 (+2,711.54)
8/18: $63,816.19 (+4,062.70)
9/18: $70,101.27 (+6,285.08 - extra paycheck)
10/18: $73,538.91 (+3,437.64)
11/18: $69,595.61 (-3,943.30)
12/18: $73,126.64 (+3,531.03)
1/19: $69,733.94 (-2,712.15)
2/19: $78,918.09 (+9,184.15 - extra paycheck)
3/19: $83,762.93 (+4,844.84)
4/19: $86,925.57 (+3,162.64)
5/19: $92,839.14 (+5,913.57)
6/19: $90,415.30 (-2,423.84)

I saved the normal amount this month, but got clobbered in the market. Meh. It'll go back up. I still suspect I'll hit $100k this year, fingers crossed.
« Last Edit: June 03, 2019, 10:47:29 AM by zygote »

AAM550

  • 5 O'Clock Shadow
  • *
  • Posts: 2
Re: Race from 10 to 100k!!
« Reply #2403 on: June 02, 2019, 01:10:43 PM »
Just discovered MMM and this is my first post here. It's really inspiring seeing all the awesome stories here and the healthy mentality about money and spending. I'm not sure what the correct format for here is but i'll just go ahead and splatter all the info that seems pertinent and then update next month and refine over time.

Income - 9,648.82 ( $2430.14 from full time employment / $6618.66 from part time job / $600 in rent )
Spending - $3,028.07

Cash- $8,676.52
401(k)- $16,055.13

Mortgage - $143,320.46 at 3.25 % Interest

Please let me know if you have any tips or tweaks to help me along!

May Data

Income - $3914.39 ( $3314.39 from full time employment / $0.00 from part time job / $600 in rent )
Spending - $3,367.90 (1948.54 From Travel)

Cash- $10,784.35
401(k)- $15,805.27
State Retirement Account - $8,530.54

Mortgage - $143,589.34 at 3.25 % Interest

Total Estimated Net Worth $35,120.16


Some details that stand out from this past month. My part time job (Realtor) produced nothing this month, however I have a couple closings coming up and am well on the way to my yearly goal, so that is fine. My spending IS higher than last month, however there are a few major life expenditures that are catching me at the moment (engagement ring, travel) that actually will cost me around $4,500 over the next two months. All that to say, beyond the actual huge expense of plane tickets my daily spending habits changed from $3,028.07 to 1,419.36 in the month. There were a lot of things I spent money on that were unnecessary but I feel like I've made a HUGE step forward with this spending decrease. Oh also I discovered I had an extra retirement account with $8,530.54 in it... so that was cool :)

See y'all next month.

« Last Edit: June 02, 2019, 01:17:00 PM by AAM550 »

ItsALongStory

  • Bristles
  • ***
  • Posts: 440
  • Location: Western US
Re: Race from 10 to 100k!!
« Reply #2404 on: June 02, 2019, 01:41:22 PM »
Just discovered MMM and this is my first post here. It's really inspiring seeing all the awesome stories here and the healthy mentality about money and spending. I'm not sure what the correct format for here is but i'll just go ahead and splatter all the info that seems pertinent and then update next month and refine over time.

Income - 9,648.82 ( $2430.14 from full time employment / $6618.66 from part time job / $600 in rent )
Spending - $3,028.07

Cash- $8,676.52
401(k)- $16,055.13

Mortgage - $143,320.46 at 3.25 % Interest

Please let me know if you have any tips or tweaks to help me along!

May Data

Income - $3914.39 ( $3314.39 from full time employment / $0.00 from part time job / $600 in rent )
Spending - $3,367.90 (1948.54 From Travel)

Cash- $10,784.35
401(k)- $15,805.27
State Retirement Account - $8,530.54

Mortgage - $143,589.34 at 3.25 % Interest

Total Estimated Net Worth $35,120.16


Some details that stand out from this past month. My part time job (Realtor) produced nothing this month, however I have a couple closings coming up and am well on the way to my yearly goal, so that is fine. My spending IS higher than last month, however there are a few major life expenditures that are catching me at the moment (engagement ring, travel) that actually will cost me around $4,500 over the next two months. All that to say, beyond the actual huge expense of plane tickets my daily spending habits changed from $3,028.07 to 1,419.36 in the month. There were a lot of things I spent money on that were unnecessary but I feel like I've made a HUGE step forward with this spending decrease. Oh also I discovered I had an extra retirement account with $8,530.54 in it... so that was cool :)

See y'all next month.
Odd that your mortgage balance would have gone up month over month. Might wanna double check the may number.

Sent from my Pixel 2 XL using Tapatalk


haypug16

  • Handlebar Stache
  • *****
  • Posts: 1270
  • Age: 41
  • Location: Boston, MA
Re: Race from 10 to 100k!!
« Reply #2405 on: June 02, 2019, 02:29:42 PM »
May 2019 Update
3/31/2017 (52,848.85) - Found MMM
3/31/2018 $(14,916.69) - 1 year in
3/31/2019 $9,917.20 - 2 years in
4/30/2019 $19,835.78
5/31/2019 $29,498.65 +9,662.87 increase

June will most likely show a decrease unless the market makes up for the lack of income this month. I'll be heading back to work mid July and I'll be happy to see money coming in and going towards my 401k.

vertkurt

  • 5 O'Clock Shadow
  • *
  • Posts: 75
Re: Race from 10 to 100k!!
« Reply #2406 on: June 02, 2019, 06:45:18 PM »
1/1/18= 14,705
2/1/18= 18,264
3/1/18= 21,225
4/1/18= 22,741
5/1/18= 26,020
6/1/18= 28,987
7/1/18= 31,457
8/1/18= 34,642
9/1/18= 37,413
10/1/18= 41,426
11/1/18= 37,475
12/1/18= 44,300
1/1/19= 46,862
2/1/19= 53,310
3/1/19 = 59,800
4/1/19 = 63,705
5/1/19= 70,328
6/1/19= 70,187

Sugaree

  • Pencil Stache
  • ****
  • Posts: 761
Re: Race from 10 to 100k!!
« Reply #2407 on: June 03, 2019, 04:56:09 AM »
5/1/2015   $4419.53
5/1/2016   15689.46 
5/1/2017   34125.20
5/1/2018   51663.60 
5/1/2019   64340.45
6/3/2019   64940.28



Not a great month.  The only thing that kept me moving in the positive direction was making some larger-than-minimum payments on a loan.  Retirement accounts did go down about $150, but I'm not worried about those yet.

Old Ball Coach

  • Stubble
  • **
  • Posts: 119
Re: Race from 10 to 100k!!
« Reply #2408 on: June 03, 2019, 06:42:48 AM »
his includes all our retirement and personal accounts for assets. It includes our credit cards, student loan, and mortgage for liabilities. It DOES NOT include our home value.

April 2018 - $52,917.42
May 2018  - $58,400.19
June 2018 - $59,686.34
July 2018  - $65,798.53
Aug 2018 - $72,231.70
Sept 2018 - $76,755.71
Oct 2018 -  $64,348.89
Nov 2018 - $70,839.76
Dec 2018 - $58,351.73
Jan 2019 - $78,256.31
Feb 2019 - $87,795.97
Mar 2019 - $67,121.29
Apr 2019 - $75,155.85
May 2019 - $63,243.68

Ouch. Really tough month in the market. Also a pretty substantial medical bill I am paying.

Oh well, just keep putting money away..

bcbaseballman

  • 5 O'Clock Shadow
  • *
  • Posts: 90
  • Age: 30
  • Location: Kansas
Re: Race from 10 to 100k!!
« Reply #2409 on: June 03, 2019, 07:33:10 AM »

2018
1/31 : (5949.05)
2/28 : (5288.30)
3/31 : (4273.93)
4/30 : (2592.07)
5/31 : (629.70)
6/30 : 1,206.77
7/31 : 2,703.97
8/31: 5,651.70
9/31: 8,039.01
10/31: 7,803.49
11/30: 9,531.28
12/31: 9,296.79

2019
1/31/19: 13,493.35
2/28/2019: 15,766.50
3/31/2019: 19,286
4/30/2019: 19,283


5/31/2019: 18,676

Same as many of you other guys markets hurt my networth but still invested and bought some more shares. I did pay off almost 1,500 worth of debt thought so that is good.

paulkots

  • 5 O'Clock Shadow
  • *
  • Posts: 55
Re: Race from 10 to 100k!!
« Reply #2410 on: June 04, 2019, 05:59:52 AM »
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
10/26/18: $64,270.98
11/27/18: $66,467.65
12/26/18: $66,160.59
01/28/18: $64,688.44
03/25/19: $63,325.75
04/24/19: $65,022.87

Didn't have much expenses this month so I booked future planned trips, hotels, tickets and entertainment since the CC was lower than usual.

06/04/19: $63,056.67

Did a Memorial Day roadtrip. Bought some parts for project car and also finished buying all the parts for 100k mile maintenance on my daily. Expenses were up for wine/food/going out. Also bought camping gear for my upcoming July roadtrip. Quarterly taxes were also paid.

Optimiser

  • Pencil Stache
  • ****
  • Posts: 628
  • Age: 37
  • Location: PNW
Re: Race from 10 to 100k!!
« Reply #2411 on: June 04, 2019, 09:14:33 AM »
Mar 2019 $14,000
Apr 2019 $12,700

May 2019 $9,500

More investment declines. I know it's only temporary, but I don't like seeing things move that direction.
« Last Edit: June 04, 2019, 09:20:18 AM by Optimiser »

catorbe

  • 5 O'Clock Shadow
  • *
  • Posts: 80
  • Location: ND
Re: Race from 10 to 100k!!
« Reply #2412 on: June 04, 2019, 09:46:15 AM »
I broke $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.


3/20/19: $26,600.

If all goes well i'll be at $30k by Mid May.

 On 5/15/19 I will undoubtedly be over 30k (closer to $31-32k) and should continue going up from there!

Well 5/15/19 put me just barely over, and then life continues and the market didn't help me so I went back under. Got paid again at end of month and now with most bills settling in the last 2 days I'm strong set at $30,500 with no large anticipated expenses prior to more paychecks coming in. Given today is looking good >+1% to market. I'm thinking we'll be just fine to staying >30,000!

philli14

  • Bristles
  • ***
  • Posts: 250
Re: Race from 10 to 100k!!
« Reply #2413 on: June 04, 2019, 01:32:30 PM »
Mar 2019 $14,000
Apr 2019 $12,700

May 2019 $9,500

More investment declines. I know it's only temporary, but I don't like seeing things move that direction.

Just curious, what are you invested in that you saw a ~25% drop?

Tass

  • Handlebar Stache
  • *****
  • Posts: 1978
  • Age: 26
  • Location: Southern California
  • Working on a PhD...
Re: Race from 10 to 100k!!
« Reply #2414 on: June 04, 2019, 07:33:26 PM »
Mar 2019 $14,000
Apr 2019 $12,700

May 2019 $9,500

More investment declines. I know it's only temporary, but I don't like seeing things move that direction.

Just curious, what are you invested in that you saw a ~25% drop?

I've no idea what Optimiser's situation is, but it's possible that they have both large assets and large debts (like if they're counting a mortgage), and the drop therefore represents a much smaller percentage of their assets than of their NW.

philli14

  • Bristles
  • ***
  • Posts: 250
Re: Race from 10 to 100k!!
« Reply #2415 on: June 04, 2019, 08:10:54 PM »
Mar 2019 $14,000
Apr 2019 $12,700

May 2019 $9,500

More investment declines. I know it's only temporary, but I don't like seeing things move that direction.

Just curious, what are you invested in that you saw a ~25% drop?

I've no idea what Optimiser's situation is, but it's possible that they have both large assets and large debts (like if they're counting a mortgage), and the drop therefore represents a much smaller percentage of their assets than of their NW.

Didn't consider that.. That makes perfect sense. Thanks @Tass

Cezil

  • Stubble
  • **
  • Posts: 201
  • Age: 33
  • Location: Great Lakes region
Re: Race from 10 to 100k!!
« Reply #2416 on: June 05, 2019, 09:52:47 AM »
Quote
Dec-2016: $32,870.70
Dec-2017: $58,271.55   (+ 25,400.85)
Dec-2018: $72,493.16   (+ 14,221.61)

Jan-2019:    $81,866.77  (+ 9,373.61)
Feb-2019:   $87,222.31  (+ 5,355.54)
Mar-2019:   $88,865.95 (+ 1,643.64)
Apr-2019:   $93,050.94  (+ 4,184.99)


May-2019:  $91,719.70  ( - $1,331.24)

Consistent 401k + HSA contributions + an extra paycheck this month, and market decline, hence the drop.  Things were bought on sale.  I'm not worried.  I'm still aiming for an August graduation.. :)

Optimiser

  • Pencil Stache
  • ****
  • Posts: 628
  • Age: 37
  • Location: PNW
Re: Race from 10 to 100k!!
« Reply #2417 on: June 05, 2019, 02:22:03 PM »
Mar 2019 $14,000
Apr 2019 $12,700

May 2019 $9,500

More investment declines. I know it's only temporary, but I don't like seeing things move that direction.

Just curious, what are you invested in that you saw a ~25% drop?

I've no idea what Optimiser's situation is, but it's possible that they have both large assets and large debts (like if they're counting a mortgage), and the drop therefore represents a much smaller percentage of their assets than of their NW.

This is correct. My investments themselves were only down 4.5%, but my net worth is lower than my investment balance because of student loans.

benoitor

  • 5 O'Clock Shadow
  • *
  • Posts: 3
  • My FIRE blog: http://saveitinvestit.com/
    • Save it Invest it
Re: Race from 10 to 100k!!
« Reply #2418 on: June 07, 2019, 02:49:03 AM »
Quote
Dec 2017 €14.300
June 2018 €23.300 (+9k over 6 months)
Dec 2018 €35.600 (+13.3k over 6 months)
Jan 2019 €39.000 (+3.400)
Feb 2019 €40.700 (+1.700)
Mar 2019 €42.400 (+1.700)
Apr 2019 €44.900 (+2.500)
May 2019 €46.200 (+1.300)

Glad to see some fellow Europeans here! (French as well maybe?)
FIRE can be quite depressing if you start to compare yourself with North American workers.

Anyway, joining the race!
Here are my numbers:
03-18: 30 951€
04-18: 31 766€ (+800)
05-18: 32 733€ (+960)
06-18: 34 641€ (+1900)
07-18: 35 969€ (+1300)
08-18: 36 980€ (+1000)
09-18: 37 257€  (+270)
10-18: 38 076€ (+820)
11-18: 40 317€ (+2200)
12-18: 40 646€ (+320)

01-19: 42 955€ (+2300)
02-19: 44 430€ (+1470)
03-19: 46 932€ (+2500)
04-19: 51 394€ (+4460)
05-19: 58 045€ (+6600)
06-19: 59 370€ (+1300)


This 2019 year has started very nicely, with a good bonus in March and May.
Hoping to do as good the rest of the year!
« Last Edit: June 07, 2019, 02:54:15 AM by benoitor »

lexde

  • Handlebar Stache
  • *****
  • Posts: 2261
  • Age: 30
Re: Race from 10 to 100k!!
« Reply #2419 on: June 07, 2019, 11:10:52 AM »
3/15/2018: $12,926.94
3/31/2018: $12,989.49
4/13/2018: $16,254.32
4/30/2018: $17,831.70
5/15/2018: $18,911.08
5/31/2018: $21,674.06
6/15/2018: $23,447.78
6/29/2018: $20,396.96
7/21/2018: $22,666.63
7/31/2018: $24,667.50
8/23/2018: $25,400.62
8/31/2018: $27,393.30
9/14/2018: $28,138.60
9/28/2018: $30,242.60
10/26/2018: $29,793.20
11/21/2018: $32,551.23
12/7/2018: $33,589.65
12/21/2018: $33,986.10
1/18/2019: $35,782.18
2/15/2019: $43,365.46
3/1/2019: $44,391.15
3/15/2019: $45,689.39
3/31/2019: $48,303.11
05/25/2019: $53,145.15

06/07/2019: $54,674.68



Big purchase last month kept my NW from jumping but I’m back on track and ready for the gains!

Only up about $15.5k this year so far so I need to flip it onto high gear and hope for some market gains to make my goals for 2019. I’ve got this, though. Increased my contributions from $400 (rIRA) to $400 + $400 (taxable) since I’m not eligible for a 401k at this job yet. Doing what I can for now.
« Last Edit: June 08, 2019, 06:18:40 AM by lexde »

vertkurt

  • 5 O'Clock Shadow
  • *
  • Posts: 75
Re: Race from 10 to 100k!!
« Reply #2420 on: June 07, 2019, 08:06:37 PM »
^
Been reading through everyone's progress for May and most of us didn't go anywhere because of the market drop, so don't feel bad.

Nederstash

  • Bristles
  • ***
  • Posts: 382
Re: Race from 10 to 100k!!
« Reply #2421 on: June 08, 2019, 06:50:36 AM »
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Dec 18: 88171
Jan 19: 88673
Feb 19: 90575
Mar 19: 91673
Apr 19: 93802
May 19: 95808
Jun 19: 97470

I should have been able to bank more, seeing as I had my holiday bonus. Truth is, I had a horrible few weeks personally - I've been out sick for 7 weeks now. So I had some fun with my bonus. Mind, I'd already allocated my bonus, I was going to divide it between a small extra mortgage payments and a big portion investing. Instead I gave up control and let it hang loose. I've been doing some retail therapy... new phone, vacuum, sun screen for my living room... it was 'necessary' in the sense that my old phone was broken and the screen and vacuum were near breaking. But I did buy the nicer, more expensive version than I normally would have. Hellooo Dyson stick vacuum. I did order a lot of food instead of cooking. Also on the list: 600 in donations and gifts. Not necessary... but damn it felt nice.
 
Still ahead, but significantly less than I wanted to be. I could've been over 99k now. To curb my spending, I did make an extra mortgage payment of 2500. Far from a perfect month, but whatever.
 
Gonna pat myself on the back because: 1) I have saved diligently for years so I can blow 2k and still come out ahead. 2) my frugality muscle is so well trained that I 'splurged' on items that I truly needed to replace, just got the nicer version, so that's only a small face punch. Yes, yes, punch me for ordering food, I deserve that. 3) Splurged with donations, also still did an extra mortgage payment. Can't face punch myself for that. 4) I let go of control of my spending in a miserable month, don't really beat myself up about it.
 
Sorry for rambling... point is: it'll be fine, it was refreshing to give up control.

Imma

  • Handlebar Stache
  • *****
  • Posts: 2315
  • Location: Europe
Re: Race from 10 to 100k!!
« Reply #2422 on: June 08, 2019, 08:25:41 AM »
All in all you're still doing well @Nederstash and you'll be at 100k soon enough. Imo a Dyson is truly worth the money - I think it's the most expensive appliance in my house and one of the few I bought new but I've had it for 4 years now and it's still just as good as the first time I used IT. Usually vacuums become less powerful over time. I expect it to last a lot more years.

eav

  • 5 O'Clock Shadow
  • *
  • Posts: 68
  • Age: 26
Re: Race from 10 to 100k!!
« Reply #2423 on: June 09, 2019, 08:13:01 PM »
Finally joining this race!
25F

June '19: $52,951

Here we goooooo!

haypug16

  • Handlebar Stache
  • *****
  • Posts: 1270
  • Age: 41
  • Location: Boston, MA
Re: Race from 10 to 100k!!
« Reply #2424 on: June 10, 2019, 07:44:28 AM »
*Revised May 2019 Update
3/31/2017 (52,848.85) - Found MMM
3/31/2018 $(14,916.69) - 1 year in
3/31/2019 $9,917.20 - 2 years in
4/30/2019 $19,835.78
5/31/2019 $21,498.65 (+1,662.87 increase)

Typo in one of my asset accounts. I knew my original number was too good to be true.

M5

  • Stubble
  • **
  • Posts: 195
  • Location: Nevada
Re: Race from 10 to 100k!!
« Reply #2425 on: June 10, 2019, 11:22:25 AM »
4/13/18: $14,324.67
12/27/18: $20,377.45
2/6/19: $27,927.20
3/1/19: $33,596.07
4/3/19: $57,285.55
5/7/19: $61,326.50

6/10/19: $62,992.97

UnexpectedExpenseExpector

  • 5 O'Clock Shadow
  • *
  • Posts: 60
  • Age: 35
  • Location: United States
Re: Race from 10 to 100k!!
« Reply #2426 on: June 10, 2019, 03:09:44 PM »
Here's the June update for the unexpected expense expector household:

2014 Jan: (129,703.05)
2015 Jan: (115,355.51)
2016 Jan: (82,545.00)
2017 Jan: 2,693.77
2018 Jan: 48,429.84

2019
January: 79,517.63
February: 87,532.51
March: 91,151.25
April: 95,594.61
May: 97,569.98
...
2019 Jul: 100,000 (GOAL)

A decent gain considering the overall market in May.  I also updated the spreadsheet.

FIRE_guy

  • 5 O'Clock Shadow
  • *
  • Posts: 33
  • Location: Canada/EU
Re: Race from 10 to 100k!!
« Reply #2427 on: June 11, 2019, 01:12:01 AM »
Here's the June update for the unexpected expense expector household:

2014 Jan: (129,703.05)
2015 Jan: (115,355.51)
2016 Jan: (82,545.00)
2017 Jan: 2,693.77
2018 Jan: 48,429.84

2019
January: 79,517.63
February: 87,532.51
March: 91,151.25
April: 95,594.61
May: 97,569.98
...
2019 Jul: 100,000 (GOAL)

A decent gain considering the overall market in May.  I also updated the spreadsheet.
Wow - a 18k swing since January?

UnexpectedExpenseExpector

  • 5 O'Clock Shadow
  • *
  • Posts: 60
  • Age: 35
  • Location: United States
Re: Race from 10 to 100k!!
« Reply #2428 on: June 12, 2019, 03:14:19 PM »
Here's the June update for the unexpected expense expector household:

2014 Jan: (129,703.05)
2015 Jan: (115,355.51)
2016 Jan: (82,545.00)
2017 Jan: 2,693.77
2018 Jan: 48,429.84

2019
January: 79,517.63
February: 87,532.51
March: 91,151.25
April: 95,594.61
May: 97,569.98
...
2019 Jul: 100,000 (GOAL)

A decent gain considering the overall market in May.  I also updated the spreadsheet.
Wow - a 18k swing since January?

Yup! A big part of that is that we've paid off just shy of 20k in student loan debt since January (the last 3,888.78 will be gone soon).  And we've still been pushing some into tax advantaged accounts so that's helped slow down the decrease from the market correction.  It helps to have a wife who shares my frugality, a big income, and a high savings rate.


catorbe

  • 5 O'Clock Shadow
  • *
  • Posts: 80
  • Location: ND
Re: Race from 10 to 100k!!
« Reply #2429 on: June 13, 2019, 11:12:27 PM »
I broke $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.

With my paycheck tomorrow and the recent gains in market i'm around 32650 after a few minor expenses are paid out in the next few days. So 4 months since 25k and i'm at 32650. A change of 7650 / 4 is about 1912 a month.

adamsputnik

  • 5 O'Clock Shadow
  • *
  • Posts: 39
Re: Race from 10 to 100k!!
« Reply #2430 on: June 14, 2019, 06:39:27 PM »
1/18/18 - 18,350.00
3/15/18 - 20,267.70
5/17/18 - 19,930.00
8/31/18 - 25,908.00
9/21/18 - 28,115.00
11/30/18 - 29,835.00
12/14/18 - 30,879.00
12/31/18 - 30,072.00
1/15/19 - 32,774.00
1/31/19 - 34,776.00
3/13/19 - 36,967.00
4/5/19 - 39,465.00
5/3/19 - 41,790.00
6/7/19 - 44,852.00

Three paycheck month last month helped a bit, and the 401k contributions are really starting to have an impact.

iamthepinky

  • 5 O'Clock Shadow
  • *
  • Posts: 13
Re: Race from 10 to 100k!!
« Reply #2431 on: June 14, 2019, 08:31:10 PM »
September 1 2018 -  $ 10,182.02

October 1 2018 -  $ 14,632.57

November 1 2018 -  $ 16,671.27

December 1 2018 -  $ 23,468.48

January 1 2019 -  $ 30,900.13

February 1 2019 -  $ 34,820.54

March 1 2019 -  $ 40,959.03

April 1 2019 -  $ 48,963.23

May 1 2019 -  $ 49,324.37  (giant tax bill)

June 1 2019 -  $ 54,756.42

This is my partner's and my combined net worth. He is currently about 50k behind me. He's in debt repayment phase and I have been saving aggressively for some time.
« Last Edit: June 14, 2019, 09:21:46 PM by iamthepinky »

zeli2033

  • Bristles
  • ***
  • Posts: 439
  • Location: Pacific Northwest
Re: Race from 10 to 100k!!
« Reply #2432 on: June 14, 2019, 09:49:49 PM »
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
11/30/18: $36,219
12/31/18: $36,235
1/15/19: $44,961
1/31/19: $52,928
2/16/19: $57,672
2/28/19: $61,806
3/16/19: $64,611
3/29/19: $72,482
4/15/19: $76,177
4/30/19: $99,041
5/31/19: $96,807
6/14/19: $100,709 (+3902)

Well this was a surprise to see this morning. Although we're a little heavy on the cash side right now and we have some significant purchases coming up that will deplete our funds over the next couple weeks. I'll probably stay in this thread until after next paycheck (or two) to see where we've truly netted out and to make sure we're actually ready fo the next race.

Either way, we're pretty stoked to have seen 100k NW for the first time ever!

philli14

  • Bristles
  • ***
  • Posts: 250
Re: Race from 10 to 100k!!
« Reply #2433 on: June 15, 2019, 08:50:07 AM »
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
11/30/18: $36,219
12/31/18: $36,235
1/15/19: $44,961
1/31/19: $52,928
2/16/19: $57,672
2/28/19: $61,806
3/16/19: $64,611
3/29/19: $72,482
4/15/19: $76,177
4/30/19: $99,041
5/31/19: $96,807
6/14/19: $100,709 (+3902)

Well this was a surprise to see this morning. Although we're a little heavy on the cash side right now and we have some significant purchases coming up that will deplete our funds over the next couple weeks. I'll probably stay in this thread until after next paycheck (or two) to see where we've truly netted out and to make sure we're actually ready fo the next race.

Either way, we're pretty stoked to have seen 100k NW for the first time ever!

Congrats!!!

ItsALongStory

  • Bristles
  • ***
  • Posts: 440
  • Location: Western US
Re: Race from 10 to 100k!!
« Reply #2434 on: June 15, 2019, 09:11:19 AM »
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
11/30/18: $36,219
12/31/18: $36,235
1/15/19: $44,961
1/31/19: $52,928
2/16/19: $57,672
2/28/19: $61,806
3/16/19: $64,611
3/29/19: $72,482
4/15/19: $76,177
4/30/19: $99,041
5/31/19: $96,807
6/14/19: $100,709 (+3902)

Well this was a surprise to see this morning. Although we're a little heavy on the cash side right now and we have some significant purchases coming up that will deplete our funds over the next couple weeks. I'll probably stay in this thread until after next paycheck (or two) to see where we've truly netted out and to make sure we're actually ready fo the next race.

Either way, we're pretty stoked to have seen 100k NW for the first time ever!

Awesome progress! Looking forward to see you join the 100->250 thread.

JAYSLOL

  • Handlebar Stache
  • *****
  • Posts: 1345
Re: Race from 10 to 100k!!
« Reply #2435 on: June 15, 2019, 01:55:17 PM »
2018
Jan1 - 63.8k
Feb1 - 64.0k (+200)
Mar 1 - 65.0k (+1000)
Apr 1 -  65.4k (+400)
May 1 - 67.5k (+2100)
June 1 - 69.5k (+2000)
July 1 - 72.3k (+2800)
Aug 1 - 74.0k (+1700)
Sept 1 - 76.7k (+2700)
Oct 1 - 79.6k (+2900)
Nov 1 - 79.5k (-100)
Dec 1 - 81.8k (+2300)

2019
Jan 1 - 82.5k (+700)
Feb 1 - 86.6k (+4100)
Mar 1 - 89.7k (+3100)
Apr 1 - 91.3k (+1600)
May 1 - 90.9k (-400)
June 1 - 90.6k (-300)

Only just remembered to update this.  Both April and May were slightly down months, had a lot of extra expenses.  I've vowed to sell off some stuff I don't need this month let's see how that pans out in a few weeks


LittleWanderer

  • Bristles
  • ***
  • Posts: 446
  • Location: USA
Re: Race from 10 to 100k!!
« Reply #2436 on: June 16, 2019, 08:33:54 AM »
Congrats, @zeli2033!!  I have to admit I'm always a little jealous of those of you who graduate so quickly.  Nice job!!

ItsALongStory

  • Bristles
  • ***
  • Posts: 440
  • Location: Western US
Re: Race from 10 to 100k!!
« Reply #2437 on: June 16, 2019, 10:02:44 AM »
Congrats, @zeli2033!!  I have to admit I'm always a little jealous of those of you who graduate so quickly.  Nice job!!
Hadn't picked up on that. +90k in less than a year is pretty darn impressive indeed.

Sent from my Pixel 2 XL using Tapatalk


zeli2033

  • Bristles
  • ***
  • Posts: 439
  • Location: Pacific Northwest
Re: Race from 10 to 100k!!
« Reply #2438 on: June 16, 2019, 10:38:28 AM »
Thanks for the congrats, everyone! We're thrilled about the progress and we couldn't have done it without being inspired by everyone else's progress being reported here!

TerrierTown

  • 5 O'Clock Shadow
  • *
  • Posts: 11
Re: Race from 10 to 100k!!
« Reply #2439 on: June 16, 2019, 12:59:36 PM »
Hi all, first post!

06/2019 Assets: £137,542 Liabilities £93,430 NW £44,112
           

GeekyGirl

  • Stubble
  • **
  • Posts: 159
  • Age: 37
  • Location: France
Re: Race from 10 to 100k!!
« Reply #2440 on: June 17, 2019, 07:02:34 AM »
Hello all,

Getting back slowly in the race after almost a year of maternity (paid) + parental leave (unpaid). Hoping to pass the 50K bar by the end of this year. Everything is slower in Europe but then I had 6 months of paid maternity leave so I can't complain a lot.

Jan 17, 2017:  € 12,138 
Feb 06, 2017:  € 16,720
Apr 04, 2017:  € 23,400
Oct 23, 2017:  € 27,680

Jan 07, 2019:  € 36,415
Jun 17, 2019:  € 46,385
« Last Edit: June 18, 2019, 05:30:18 AM by GeekyGirl »

TerrierTown

  • 5 O'Clock Shadow
  • *
  • Posts: 11
Re: Race from 10 to 100k!!
« Reply #2441 on: June 17, 2019, 12:33:39 PM »
Hi all, first post!

06/2019 Assets: £137,542 Liabilities £93,430 NW £44,112
           

Welcome @TerrierTown

Thanks! I'm hoping this will help me to appreciate how far I've come and keep me going!

UnexpectedExpenseExpector

  • 5 O'Clock Shadow
  • *
  • Posts: 60
  • Age: 35
  • Location: United States
Re: Race from 10 to 100k!!
« Reply #2442 on: June 17, 2019, 03:53:58 PM »
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
11/30/18: $36,219
12/31/18: $36,235
1/15/19: $44,961
1/31/19: $52,928
2/16/19: $57,672
2/28/19: $61,806
3/16/19: $64,611
3/29/19: $72,482
4/15/19: $76,177
4/30/19: $99,041
5/31/19: $96,807
6/14/19: $100,709 (+3902)

Well this was a surprise to see this morning. Although we're a little heavy on the cash side right now and we have some significant purchases coming up that will deplete our funds over the next couple weeks. I'll probably stay in this thread until after next paycheck (or two) to see where we've truly netted out and to make sure we're actually ready fo the next race.

Either way, we're pretty stoked to have seen 100k NW for the first time ever!

Congrats @zeli2033 Very awesome progress! 

Welcome @TerrierTown !

Evasion

  • 5 O'Clock Shadow
  • *
  • Posts: 58
Re: Race from 10 to 100k!!
« Reply #2443 on: June 20, 2019, 06:18:31 PM »
Haven't been here in a while. I've been silly with money but I finally crossed 50k, and got a pay rise so keen to accelerate things a little!

20 Dec 18 - 37,800
16 Jan 19 - 39,900
1 Feb 19 - 41,500
15 Feb 19 - 43,362
March 2019 - 45,496
Mid March 2019 - 45,815
April 19 - 46,412
Late April 2019 - 48,372
20 June 2019 - 50,890

lexde

  • Handlebar Stache
  • *****
  • Posts: 2261
  • Age: 30
Re: Race from 10 to 100k!!
« Reply #2444 on: June 21, 2019, 07:25:05 AM »
3/15/2018: $12,926.94
3/31/2018: $12,989.49
4/13/2018: $16,254.32
4/30/2018: $17,831.70
5/15/2018: $18,911.08
5/31/2018: $21,674.06
6/15/2018: $23,447.78
6/29/2018: $20,396.96
7/21/2018: $22,666.63
7/31/2018: $24,667.50
8/23/2018: $25,400.62
8/31/2018: $27,393.30
9/14/2018: $28,138.60
9/28/2018: $30,242.60
10/26/2018: $29,793.20
11/21/2018: $32,551.23
12/7/2018: $33,589.65
12/21/2018: $33,986.10
1/18/2019: $35,782.18
2/15/2019: $43,365.46
3/1/2019: $44,391.15
3/15/2019: $45,689.39
3/31/2019: $48,303.11
05/25/2019: $53,145.15
06/07/2019: $54,674.68

06/21/2019: $57,532.15

Two churning bonuses came in this pay period totaling $900, which was nice. It offset my big spend last month and got my NW back on track. I should hit $60K by the end of next month and $75K before the end of the year. More, if I get put on the pay structure I am entitled to.  If that’s the case I may hit $90K by EOY.

Serendip

  • Pencil Stache
  • ****
  • Posts: 800
Re: Race from 10 to 100k!!
« Reply #2445 on: June 22, 2019, 09:58:04 AM »
Dec '17    18,146
Jan '18     23,607
Feb '18     27,000
Mar '18     29,008
Apr '18     30,100
May '18    35,030
Jun '18     36,700
July '18    39,000
Aug '18    40,150
Sep '18    42,500
Oct '18     43,300
Nov '18    44,500
Dec '18    48,380
Jan '19     51,210
Feb '19     53,000
Mar '19     55,075
Apr '19     53,065
May '19    54,008
June '19   56,272

Life has gotten quite expensive lately with things breaking down (brakes, computers, home repairs)..but I keep on trying to move in the right direction.
« Last Edit: June 22, 2019, 10:00:25 AM by Serendip »

Jeffwa365

  • 5 O'Clock Shadow
  • *
  • Posts: 5
Re: Race from 10 to 100k!!
« Reply #2446 on: June 22, 2019, 10:57:58 AM »
Just started tracking and really increasing my savings rate at the beginning of the year.

Dec 18- 21,185
Jan 19- 25,448
Feb 19- 29,266
March 19- 30,515
April 19- 39,308
May- 39,185
June- 43,750

Manchester

  • Stubble
  • **
  • Posts: 247
Re: Race from 10 to 100k!!
« Reply #2447 on: June 23, 2019, 09:28:12 AM »


I've reached the £20k mark! 

£22,010.88 to be exact.  That's over £3k worth of an increase since last month which blows every other month out of the water.  I think my investments have helped quite a bit! 

Nearly a quarter of the way to graduating this thread.

Manchester

  • Stubble
  • **
  • Posts: 247
Re: Race from 10 to 100k!!
« Reply #2448 on: June 23, 2019, 09:30:57 AM »
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
11/30/18: $36,219
12/31/18: $36,235
1/15/19: $44,961
1/31/19: $52,928
2/16/19: $57,672
2/28/19: $61,806
3/16/19: $64,611
3/29/19: $72,482
4/15/19: $76,177
4/30/19: $99,041
5/31/19: $96,807
6/14/19: $100,709 (+3902)

Well this was a surprise to see this morning. Although we're a little heavy on the cash side right now and we have some significant purchases coming up that will deplete our funds over the next couple weeks. I'll probably stay in this thread until after next paycheck (or two) to see where we've truly netted out and to make sure we're actually ready fo the next race.

Either way, we're pretty stoked to have seen 100k NW for the first time ever!

Nice one!  Your progress is mental.  You're going to be FI in no time!

Manchester

  • Stubble
  • **
  • Posts: 247
Re: Race from 10 to 100k!!
« Reply #2449 on: June 23, 2019, 09:40:59 AM »
Congrats, @zeli2033!!  I have to admit I'm always a little jealous of those of you who graduate so quickly.  Nice job!!

I get like that as well.  The population on this forum is so unique, so you're bound to find the likes of Zeli, who's smashing it, and feel quite envious. 

I compare myself to my real-life comunity here in Manchester.  I'm significantly better off than my friends now, even those who earn double the money I do, because they squander theirs.  In fact, I'm cooking dinner tonight for a friend who's 'skint' and needs to wait until payday to get their shopping done! Another friend has just bought a pair of Balenciagas out of the money he's saving to put down on a house. 


The progress you're making will have you ahead of the vast majority of people out there.  You're going to reach FI, it's just a case of when! :)