Race from 10 to 100k!!

[TyGuy]

Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456 (currently at 0% interest)


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)

My largest single month increase, my new personnel high for net worth, and oh so close to graduating this thread. Unless there is a big down turn in the market I should be graduating from this thread next month with a bit of buffer. It is exciting for me to see such large increases and it almost feels surreal! Congrats to everyone else as it appears many of you had exceptional months as well!

[la Condessa]

EF cash: $3,500

Vanguard Roth IRA: $7,517.95

Robinhood: $94.48

= $11,112.43

EF cash: $3,500

Vanguard Roth IRA: $9,310.32

Vanguard tIRA: $1,983.07

Robinhood: $209

= $15,002.39

EF : $3500

Roth IRA: $8,921.13
tIRA : $5,708.08
tIRA : $2,279.00

Robinhood : $239.28

=$17,146.49

EF : $1650

Roth IRA : $7741.74
tIRA : $5537.45
tIRA : $6072.85

Robinhood : $201.84

=$21,203.88

EF : $2,580

Roth IRA : $8,282.52
tIRA : $5,993.05
tIRA : $8,981.68

Robinhood : $220.47

=$26,057.72

Real progress!  Partly the market and partly executing the plan.  And partly my husband really getting fully on board for the first time.  He’s doing awesome.  We’re on track to finish filling the IRAs for last year before the cutoff.

[la Condessa]

Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456 (currently at 0% interest)


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)

My largest single month increase, my new personnel high for net worth, and oh so close to graduating this thread. Unless there is a big down turn in the market I should be graduating from this thread next month with a bit of buffer. It is exciting for me to see such large increases and it almost feels surreal! Congrats to everyone else as it appears many of you had exceptional months as well!

Awesome!

[Treedream]

01/06/2018: -€60
01/01/2019: €2.875,28
01/07/2019: €9.288,20
01/08/2019: €10.485,05
01/09/2019: €11.554,85
28/09/2019: €12.182,10
24/10/2019: €13.082,24
26/11/2019: €14,311,49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

Big gap

01/12/2022: € 21.636,38 +€ 972.77.
01/01/2023: € 22.315,45 +€ 679.07

01/02/2023: € 23.270,66 +€ 955.21

Nice result this month, due to the market moving quite a bit. Didn't save as much money as I hoped, but I am stockpiling money for a bigger hobby-expense. Trying to stay strict with myself for that one.

[DieHard_772]

Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456 (currently at 0% interest)


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)

My largest single month increase, my new personnel high for net worth, and oh so close to graduating this thread. Unless there is a big down turn in the market I should be graduating from this thread next month with a bit of buffer. It is exciting for me to see such large increases and it almost feels surreal! Congrats to everyone else as it appears many of you had exceptional months as well!

Congrats @TyGuy

[tacticalteam4]

I’ve been focusing on investing over paying off debts in my 4 years of saving. We’ve built a nice nest egg that should buy us a few years without employment if needed. I will track my net worth here, excluding house equity.

2/3/23: $7,700 - first time positive since getting married

[M5]

08/11/22: $95,366
09/07/22: $90,774 (-4592)
11/04/22: $90,694 (-80)
12/08/22: $97,814 (+7120)
01/04/23: $99,198 (+1384)
02/07/23: $109,222 (+10,024)

On to the next!

[comicguy]

08/11/22: $95,366
09/07/22: $90,774 (-4592)
11/04/22: $90,694 (-80)
12/08/22: $97,814 (+7120)
01/04/23: $99,198 (+1384)
02/07/23: $109,222 (+10,024)

On to the next!

Great Job, I'll be there someday!

[Serendip]

Good job everyone!

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500 !!

Ay carumba.

This month was a big push to put money into RRSP's before the deadline combined with the fact that I'm in a no-buy/low-buy year
(also bought & paid off plane tickets for June).  I didn't make all this money in one month, some was moved out of little emergency accounts that weren't counted in this challenge before (ie..an envelope with cash and a little hidden-from-me online fund..ha) but am still feeling inspired.

[Rytrik]

02022/06/01 - $29,000
02023/01/01 - $31,750
02023/02/26 - $33,494

[regenaeb]

12/31/21 - SEP + Roth $ 31,239.32
12/31/22 - 401k + Roth $ 34,080.56

1/31/23 - 401k + Roth $ 37,633.60
02/28/23 - 401k + Roth $ 37,815.42

Another up and down month in the market. I contributed $1,450.00 this month, but only have a $181 gain. Oh well, keep on contributing and waiting for the market upturn.

[LittleWanderer]

February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355

February 2023 - $75,352

Finally passed the $75K mark (for now!)

[comicguy]

Feb update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213


Goal for 2023: EUR 60K

This is the downwards movement that I planned for. Paid all outstanding travel expenses (we will travel in April, May AND July.....) and paid off all credit cards, so from now on it's upwards only for the rest of the year (hopefully.....).

@M5 : congrats! You made it!
@regenaeb : I feel the same. I make my regular contributions, but markets are slow....... I keep waiting for the market to recover.....

[Treedream]

01/06/2018: -€60
01/01/2019: €2.875,28
01/07/2019: €9.288,20
01/08/2019: €10.485,05
01/09/2019: €11.554,85
28/09/2019: €12.182,10
24/10/2019: €13.082,24
26/11/2019: €14,311,49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

Big gap

01/12/2022: € 21.636,38 +€ 972.77.
01/01/2023: € 22.315,45 +€ 679.07
01/02/2023: € 23.270,66 +€ 955.21

01/03/2023: € 24.052,03 +€ 781,37
In terms of savings this was a better month than last month, more than 30%! But in Jan, the market helped and in Feb they stayed flat. So it seems like the previous one was better.

All in all a good month. I also got the news that my parents will help me buy a house, which is fantastic. Its gonna eat a lot of this liquid money, but I'll be able to buy a home :D despite being a single earner.

[TyGuy]

Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456
02/01/23: $21,456
03/01/23: $21,456 (currently at 0% interest)


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)
03/01/23: $96,917 (-$1,400)

Maintained a good savings rate again last month, but honestly, I'm happy to be able to continue to buy stocks on sale.

[Ze Stash]

Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-   137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)
01/12/2022: 56.415,91 € (- 1.283,58 €)
01/01/2023: 56.475,06 € (+    59,15 €)
01/02/2023: 59.646,67 € (+3.171,61 €)

01/03/2023: 60.002,28 € (+ 355,61 €)

Another tiny step in the right direction. Markets took another downturn and we bought the kitchen of the previous renters in our new place. My share of that was close to 2k €, so actually quite happy that the numbers still went up this month (some of the cost was offset by selling the kitchen in the old place, but that one was crappy and way less €€). We finished our move last weekend. February was really hectic with renovating the new place to be fit to move in, so I'm looking forward to some months just coasting along.

[jnw]

Hi :) I think this is my first post in this thread.   I am at $87,800.  Getting close! :)  All my assets are currently fixed income, home equity etc. so it will be a steady ride.

[Serendip]

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500
Mar '23  97,216

So close! Starting a low-buy year has made a big difference in my savings rate.
Just need to see how much GST I need to pay for taxes and then I'll hopefully hit this goal in the next month or two

[Rytrik]

02022/06/01 - $29,000
02023/01/01 - $31,750
02023/02/26 - $33,494
02023/03/26 - $34,054.29

[regenaeb]

12/31/21 - SEP + Roth $ 31,239.32
12/31/22 - 401k + Roth $ 34,080.56

1/31/23 - 401k + Roth $ 37,633.60
02/28/23 - 401k + Roth $ 37,815.42
03/31/23 - 401k + Roth $ 40,426.24

[jnw]

Mar '23  97,216

So close! Starting a low-buy year has made a big difference in my savings rate.
Just need to see how much GST I need to pay for taxes and then I'll hopefully hit this goal in the next month or two

Very nice!  I'm at around 88k now.. add 2k more starting next month so around 90k.

Good job to everyone else as well.

[getsorted]

Looking at my net worth over the last three years always makes me feel very accomplished.

May 15, 2020: $5,972
March 31, 2023: $72,766.

Most of that is real estate value from buying a house at a very good price at a very good time, but I still feel pretty good about it.

That said, the last year has been pretty static and it's time to get much more serious about socking away cash.

[comicguy]

March update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11
3/31/23   Round Up 2414.73   Investment  38034.42 Total 40449.55

[TyGuy]

Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456
02/01/23: $21,456
03/01/23: $21,456
04/01/23: $21,456 (currently at 0% interest)


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)
03/01/23: $96,917 (-$1,400)
04/01/23: $105,349 ($8,432)

Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!

[jnw]

01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)
03/01/23: $96,917 (-$1,400)
04/01/23: $105,349 ($8,432)

Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!

Congratulations!  I should be on the next thread in about 4 or 5 months I figure.  At around $91k.

[la Condessa]

EF cash: $3,500

Vanguard Roth IRA: $7,517.95

Robinhood: $94.48

= $11,112.43

EF cash: $3,500

Vanguard Roth IRA: $9,310.32

Vanguard tIRA: $1,983.07

Robinhood: $209

= $15,002.39

EF : $3500

Roth IRA: $8,921.13
tIRA : $5,708.08
tIRA : $2,279.00

Robinhood : $239.28

=$17,146.49

EF : $1650

Roth IRA : $7741.74
tIRA : $5537.45
tIRA : $6072.85

Robinhood : $201.84

=$21,203.88

EF : $2,580

Roth IRA : $8,282.52
tIRA : $5,993.05
tIRA : $8,981.68

Robinhood : $220.47

=$26,057.72

Real progress!  Partly the market and partly executing the plan.  And partly my husband really getting fully on board for the first time.  He’s doing awesome.  We’re on track to finish filling the IRAs for last year before the cutoff.

EF : $2,880.06

Roth IRA: $8,218.34
tIRA: $5,934.85
TIRA: $11,311.82

Robinhood: $217.06

=$28,562.13

[Serendip]

04/01/23: $105,349 ($8,432)

Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!

Amazing job-- it's a huge accomplishment! congrats!

[TyGuy]

Congratulations!  I should be on the next thread in about 4 or 5 months I figure.  At around $91k.

Thank you, I look forward to see you there!

[TyGuy]

Amazing job-- it's a huge accomplishment! congrats!

Thank you!

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197


Goal for 2023: EUR 60K

Just a nice and steady month. Nothing major happening, just the regular additions to the accounts. April will be challenging, since we will be travelling a little and I will try to stick to the budget!
Did all the taxes in March, so hoping to get a nice refund in april, although that will be used to repay our mortgage (which is not in this overview).

@TyGuy : CONGRATS!!!!! You made it!

[Ze Stash]

Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-   137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)
01/12/2022: 56.415,91 € (- 1.283,58 €)
01/01/2023: 56.475,06 € (+    59,15 €)
01/02/2023: 59.646,67 € (+3.171,61 €)
01/03/2023: 60.002,28 € (+  355,61 €)

01/04/2023: 63.066,29 € (+3.064,01 €)

Savings were slightly negative, but stocks and BTC recovery lead to an increase. This month should be less spendy. Last time there were 4 green months in a row was in the beginning of 2021.

[LittleWanderer]

04/01/23: $105,349 ($8,432)

Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!

Super awesome!!!  Congrats, @TyGuy !

[LittleWanderer]

March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352

March 2023 - $76,441

Little late reporting in this month, but here I am.  Still slowly going up.  :)

[Treedream]

01/06/2018: -€60
01/01/2019: €2.875,28
01/07/2019: €9.288,20
01/08/2019: €10.485,05
01/09/2019: €11.554,85
28/09/2019: €12.182,10
24/10/2019: €13.082,24
26/11/2019: €14,311,49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

Big gap

01/12/2022: € 21.636,38 +€ 972.77.
01/01/2023: € 22.315,45 +€ 679.07
01/02/2023: € 23.270,66 +€ 955.21
01/03/2023: € 24.052,03 +€ 781,37

01/04/2023: € 24.755,50 +€ 703,47

Decent month last month, even though I spend a lot on hobby items. The next 3 months are going to be "sav, save, save" as I am in the process of buying a home. My total net worth is going to go up a lot soon, but that will be due to my parents gifting towards my house. Its a bit weird. They are giving more than I am worth in all the world (monetarily). But I realize I am incredibly lucky to have the help and support. Up and Up.

[Serendip]

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500
Mar '23  97,216
Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.

The next few months will be very slow income-wise due to dental work, time off, travel & all the life stuff so will hesitantly bump myself into the next race..will need to get a bit more of a buffer before I feel like I actually truly have graduated. All the best to everyone!  :)

[Trifle]

Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.

Congratulations @Serendip!!!!  You made it.  Very well done!

[Treedream]

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500
Mar '23  97,216
Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.

The next few months will be very slow income-wise due to dental work, time off, travel & all the life stuff so will hesitantly bump myself into the next race..will need to get a bit more of a buffer before I feel like I actually truly have graduated. All the best to everyone!  :)

Congrats! that is a massive achievement! The first hundred is the hardest I hear all the time. Anything you are doing to celebrate?

[Serendip]

Thanks @Trifele & @Treedream !

Congrats! that is a massive achievement! The first hundred is the hardest I hear all the time. Anything you are doing to celebrate?

The mental hurdle might be the hardest component of that first 100k--my family talks a lot about their lack of finances :)

Could've made better choices along the way (I can veer either austere or spendy; also took poor advice from a friend and lost a chunk *should've known better*) but I'm celebrating by being proud of this and aiming onwards & upwards.

[catorbe]

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500
Mar '23  97,216
Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.

The next few months will be very slow income-wise due to dental work, time off, travel & all the life stuff so will hesitantly bump myself into the next race..will need to get a bit more of a buffer before I feel like I actually truly have graduated. All the best to everyone!  :)

You and I have been on a very similar pace to get to $100,000 and our timing of dips and market issues has been step for step. I just got paid today and my Mint says about $99,500, but with a mortgage coming out and a few other things to be paid I figured i'd better wait until the next paycheck to cross myself off of this thread. Congrats to you, i'm coming in right behind ya! My buffer situation is a little different. I've been battling to get that $100k figure, but as soon as I do it on my own I'm going to finally start counting an ESOP from my employer as i'm about to be fully vested, and there's a little bit of money in there that will officially be mine, so i'll leapfrog up the totem pole a little bit once that happens. But again I just wanted to do the 100k on my own first! Congrats again!

[Serendip]

You and I have been on a very similar pace to get to $100,000 and our timing of dips and market issues has been step for step. I just got paid today and my Mint says about $99,500, but with a mortgage coming out and a few other things to be paid I figured i'd better wait until the next paycheck to cross myself off of this thread. Congrats to you, i'm coming in right behind ya! My buffer situation is a little different. I've been battling to get that $100k figure, but as soon as I do it on my own I'm going to finally start counting an ESOP from my employer as i'm about to be fully vested, and there's a little bit of money in there that will officially be mine, so i'll leapfrog up the totem pole a little bit once that happens. But again I just wanted to do the 100k on my own first! Congrats again!

That's amazing @catorbe --excited that you are about to leapfrog me! I'll look forward to trying to catch up or keep pace with you for the next challenge :)

[Rytrik]

02022/06/01 - $29,000
02023/01/01 - $31,750
02023/02/26 - $33,494
02023/03/26 - $34,054.29
02023/04/30 - $33,326.36

[Treedream]

01/06/2018: -€60
01/01/2019: €2.875,28
01/07/2019: €9.288,20
01/08/2019: €10.485,05
01/09/2019: €11.554,85
28/09/2019: €12.182,10
24/10/2019: €13.082,24
26/11/2019: €14,311,49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

Big gap

01/12/2022: € 21.636,38 +€ 972.77.
01/01/2023: € 22.315,45 +€ 679.07
01/02/2023: € 23.270,66 +€ 955.21
01/03/2023: € 24.052,03 +€ 781,37
01/04/2023: € 24.755,50 +€ 703,47

01/05/2023: € 25,649.20 + € 893.70

Decent month this month around. And I even spend some money towards the house buying process. The next couple of months should be good, as I get holiday pay and a tax return.

[regenaeb]

12/31/21 - SEP + Roth $ 31,239.32
12/31/22 - 401k + Roth $ 34,080.56

1/31/23 - 401k + Roth $ 37,633.60
02/28/23 - 401k + Roth $ 37,815.42
03/31/23 - 401k + Roth $ 40,426.24
04/30/23 - 401k + Roth $ 42,571.49

[LittleWanderer]

April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441

April 2023 - $79,158

Well that feels good!  Markets must be doing okay right now. 

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521


Goal for 2023: EUR 60K

Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.

@Serendip CONGRATS on passing this milestone. You did it!!!!

[comicguy]

April update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11
3/31/23   Round Up 2414.73   Investment  38034.42 Total 40449.55
4/30/23   Round Up 2593.99   Investment  41109.71 Total 43784.70

[Serendip]

@Serendip CONGRATS on passing this milestone. You did it!!!!

wuhoo--thanks! See you in the next race soon @Dutch Comfort :)

[catorbe]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521


Goal for 2023: EUR 60K

Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.

@Serendip CONGRATS on passing this milestone. You did it!!!!

When you say early repayment on your mortgage do you mean the entire mortgage is now paid off? Otherwise how would it affect your monthly fixed expenses. I ask because it barely affected your numbers.

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521


Goal for 2023: EUR 60K

Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.

@Serendip CONGRATS on passing this milestone. You did it!!!!

When you say early repayment on your mortgage do you mean the entire mortgage is now paid off? Otherwise how would it affect your monthly fixed expenses. I ask because it barely affected your numbers.

It is a partial repayment. We have two mortgages and are working on repaying 1 as soon as possible. Original repayment date of this one was in 2033, but currently it stands at 2031 and we're hoping to get rid of this part in 2027. Which means that after 2027, the monthly free cashflow available for investing will increase significantly. In theory, we can already repay this mortgage in full from our savings and investments, but then we have no emergency fund left, which does not feel right. But any windfalls go to this mortgage to shorten the repayment period (and slightly lower the monthly expenses because of less interest).
The other mortgage will probably not be repaid, since the interest rate is fixed till 2040 at 2.59% and our house value is >3 times the mortgage value.