Race from 10 to 100k!!

[LittleWanderer]

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
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351

August 2023 - $87,215

Hanging steady!  Very normal month over here. 

Congrats on the new house, Treedream!!

[Treedream]

Thanks guys! I am very pleased with it. And it turns out, my costs are lower now than when renting.

[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
May 2023: EUR 49,658
June 2023: EUR 49,629
July 2023: EUR 49,201
August 2023: EUR 49,145


Goal for 2023: EUR 60K

Had a little backdrop because of an unexpected bill that came in this month. We're so glad that we can just cover these things from our EF and we do not have to think twice about paying it!
Hopefully September will be a little better......

@Treedream congrats on your new home! Being a homeowner in the Netherlands is really the best way of getting ahead in the game!

[comicguy]

August 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
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Up 3186.85   Investment  48247.88 Total 51434.53
8/31/23   Round Up 3246.18   Investment  46405.95 Total 49652.13

Down a bit this month but not surprising as I do not get paychecks in July and August so no new money went into the Investment account

[comicguy]

Sept 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
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Up 3186.85   Investment  48247.88 Total 51434.53
8/31/23   Round Up 3246.18   Investment  46405.95 Total 49652.13
9/30/23   Round Up 31.98.44  Investment  45198.55 Total 48396.99

Both accounts down this month but I just keep buying! Keep telling myself the dip is good, the dip is good!

[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

01/09/2023:  €53,363.61 (house purchase)

01/10/2023: €54,611.03 + €1,158.70

This includes equity in the house and savings. I haven't got much in investments at the moment, so when we get to there, I'll split it out. For now I need to increase my emergency funds first.

[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
May 2023: EUR 49,658
June 2023: EUR 49,629
July 2023: EUR 49,201
August 2023: EUR 49,145
September 2023: EUR 48,847


Goal for 2023: EUR 60K

Some downwards movement due to markets and teens starting school again, so all school bills come in for school camps, supplies and other activities. Teen #2 is having growth spurts, so new jeans, new sweaters and new shirts had to be bought..... Hopefully the supply he has now will get him through winter.
Teen #1 does not grow anymore, so she doesn't require a major update in clothing. Just the odd shirt or skirt.

EF has decreased a lot due to these items, so hopefully it will grow again this month. Child support from the government will come in today, so that is always a nice to have amount and will be directed immediately to the EF!

[LittleWanderer]

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
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215

September 2023 - $83,271

Little late in posting, but here I am!  401K took a big dive this month.  :(

[LittleWanderer]

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
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271

October 2023 - $82,040

Hanging in there...

[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
May 2023: EUR 49,658
June 2023: EUR 49,629
July 2023: EUR 49,201
August 2023: EUR 49,145
September 2023: EUR 48,847
October 2023: EUR 48,950


Goal for 2023: EUR 60K

The goal seems a big challenge this year. Markets were not helping this month, despite the regular contributions. Still hoping that I'm buying shares at a discount...... Big plans in the making for 2024, which will not get us to our EUR 100K goal, but will be quite an experience for the teens (3-4 weeks trip to China!!!!).

[comicguy]

Oct 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
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Up 3186.85   Investment  48247.88 Total 51434.53
8/31/23   Round Up 3246.18   Investment  46405.95 Total 49652.13
9/30/23   Round Up 3198.44  Investment   45198.55 Total 48396.99
10/31/23 Round Up 3302.66   Investment  45110.26 Total 48412.92

Barely made an increase this month with even adding to the accounts!

[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

01/09/2023:  €53,363 (house purchase)
01/10/2023:  €54,611

01/11/2023: €56,135 + € 1314

I think I swapped some things around between E-fund and Sinking funds (SF not included here) so the math might not add up all together. This includes equity in the house and savings. I haven't got much in investments at the moment, so when we get to there, I'll split it out. For now I need to increase my emergency funds first. I am making good progress, despite going on a fabulous holiday and setting aside money for house improvements. About € 50,500 of this is house equity. Working hard on evening this out quickly.

[LittleWanderer]

November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040

November 2023 - $90,530

Wow!  My first time in the 90s.  (Well, I enjoyed them as a decade too.)  I have no doubt I'll go back down as the market fluctuates, but I'm going to take the win for now.  :)  Hoping to graduate sometime next year!!

[getsorted]

August 2023:       $10,171
November 2023:  $12,224

[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
May 2023: EUR 49,658
June 2023: EUR 49,629
July 2023: EUR 49,201
August 2023: EUR 49,145
September 2023: EUR 48,847
October 2023: EUR 48,950
November 2023: EUR 43,006

Goal for 2023: EUR 60K

Definitely not reaching my 2023 goal, but with a good reason: we already bought the plane tickets for our China trip next year!!!!! We also did prepay some on our hotels etc, so we had a good reason for a decrease. We saved/ budgetted for this trip and so far, it's still looking like we will stay within budget!

[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

01/09/2023:  €53,363 (house purchase)
01/10/2023:  €54,611
01/11/2023:  €56,135

01/11/2023: €57,492 + € 1357

Its been very steady going the last couple of months. November was really good, as I finally managed to cook more real food at home, keeping the groceries down. I got a few things for the house, like an induction hob, but those expenses are spread out over the year because I put monthly amounts in sinking funds which I don't count here. I basically consider the sinking fund pots already spend, so I feel free to use them for their intended purpose.

Hoping to end the year close to 59K.

[comicguy]

Nov 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
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Up 3186.85   Investment  48247.88 Total 51434.53
8/31/23   Round Up 3246.18   Investment  46405.95 Total 49652.13
9/30/23   Round Up 3198.44  Investment   45198.55 Total 48396.99
10/31/23 Round Up 3302.66   Investment  45110.26 Total 48412.92
11/30/23 Round Up 3699.72  Investment   49541.50 Total 53241.22

[Air]

Finally got an account set up for this forum, was a hassle getting the activation mail.
Sharing progress, being motivated and perhaps motivating others will be interesting!

without further ado the december 2023 update:

		Added		Total
Jan-23				€ 0 K
Feb-23				€ 0 K
Mar-23				€ 0 K
Apr-23		€ 0 K		€ 0 K
May-23		€ 8 K		€ 8 K
Jun-23		€ 7.4 K		€ 15.4 K
Jul-23		€ 0.3 K		€ 15.7 K
Aug-23		€ 4 K		€ 19.7 K
Sep-23		€ -0.1 K		€ 19.6 K
Oct-23		€ 2.5 K		€ 22.1 K
Nov-23		€ 1.9 K		€ 24 K
Dec-23		€ 1.3 K		€ 25.4 K

Investments in ETFs measured at first of month.

[getsorted]

August 2023:       $10,171
November 2023:  $12,224
December 2023:  $13,048

[LittleWanderer]

December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530

December 2023 - $97,000

My 401K exploded in a good way.  Wild times!

[Trifle]

Whoa look at you @LittleWanderer!  I remember you from the "Race to 10k" thread.  And now you’re almost to 100k!!!   

Great job everyone -- lots of steady progress, and a nice little market upswing for New Years.  Getting to 100k can be a tough slog, where it feels like progress is slow and market swings are big.  But you've got this y'all.  Go go go!

[LobsterLuke]

Hey everyone! So excited to make it to this thread finally. Here are my numbers as of this morning.

3/4/2022: $12,100 cash + $1,034 investments - $0 debt = $13,134 NW

7/12/2022: $14,300 cash + $2,450 investments - $0 debt = $16,750 NW

Finally graduated college at the ripe old age of 27 and landed a good job, so I'm looking forward to watching my stache grow at a faster rate!

I had hoped to be closer to $20K in net worth this time of year, but I spent a dumb amount of money furnishing my new apartment with brand new stuff.

I was walking through Goodwill yesterday and realized I would've been just as happy with the used furniture, dishes and appliances they were selling. I still have a lot to learn but I've been learning a lot by devouring every episode of the Mad Fientist podcast. Really interested in maxing my 401k and IRA somehow.

11/5/2022: $18,312 cash + $4,002 401k + $4,560 IRA = $26,874 NW

7/26/2023: $23,106 cash + $14,014 401k + $14,654 IRA + $35 brokerage - $0 debt = $51,809 NW

$100k here I come! But more importantly, happy fulfilled life here I come. Really proud that I'm obsessing over this number much less now.

12/30/2023: $30,342 cash + $110 brokerage + $23,948 401k + $15,409 IRA  - $0 debt = $69,809 NW Happy new year!

[comicguy]

Dec 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
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Up 3186.85   Investment  48247.88 Total 51434.53
8/31/23   Round Up 3246.18   Investment  46405.95 Total 49652.13
9/30/23   Round Up 3198.44  Investment   45198.55 Total 48396.99
10/31/23 Round Up 3302.66   Investment  45110.26 Total 48412.92
11/30/23 Round Up 3699.72  Investment   49541.50 Total 53241.22
12/31/23 Round Up 4031.71  Investment   53525.05 Total 57556.75

[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

01/09/2023:  €53,363 (house purchase)
01/10/2023:  €54,611
01/11/2023:  €56,135
01/12/2023:  €57,492

01/12/2023: €59,606 + €2,114 Investments: €550

Well, I smashed that €59K goal thanks to an unexpected bonus from work! I managed to pay back my parents in full on a loan that I got for the housemove, I increased my emergency fund and invested for the first time in a while. I have investments again! That makes me very happy. And all this while not restricting too fiercely and spending money on the house and saving up seperate little pots for expected expenses, like holidays and electronics.

All in all 2023 was a year that saw a big move with me buying a house. It was a large expense and has skewed my net worth to be 85% in bricks. But I still managed to save a good amount of money and find a good balance between spending on the house and life and putting money away. Up to another succesfull year. Happy New Year!

In 2024 I plan to complete the emergency fund, after which I will invest again considerably. The goal is to decrease the percentage of net worth that is in my house. The net worth goal for next year is around €73.5K. But I will stay flexible, cause life has a way of trowing curve balls at 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
December 2023: EUR 51,366

Goal for 2024: EUR 55K

Happy New Year!!!! Managed to get my liquids around the same amount as 2022, which is OK. Total net worth went up considerably, since we put a lot of liquids into the house as early repayment of the mortgage.
For 2024, we're planning a big trip, which will dig into the liquids and we want to continue the early repayment of the mortgage (we're trying to double the payment each month, which is a challenge, but hey, who doesn't like a good challenge!). But I'm still hoping to go up slightly.

[LittleWanderer]

January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000

January 2024 - $99,131

I'm a day early, but I know I'll forget to do this tomorrow.  I don't want to jinx myself, but...maybe next month??

[Serendip]

January 2024 - $99,131

I'm a day early, but I know I'll forget to do this tomorrow.  I don't want to jinx myself, but...maybe next month??

Exciting! @LittleWanderer  Fingers crossed for you :)

[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

01/09/2023:  €53,363 (house purchase)
01/10/2023:  €54,611
01/11/2023:  €56,135
01/12/2023:  €57,492
01/01/2024:  €59,606  Investments: €550

01/02/2024: € 60,227 + € 621 Investments: € 619 + € 69

The January sales got me. I bought some clothing and far too much food for the pantry. On top of that my long distance bf came over for a week. All in all I spend a bit more than I was planning, but nothing too regretfull. It is very fun to see my investments moving, even if its just a small amount. I am having fun with it.

[JAYSLOL]

January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000

January 2024 - $99,131

I'm a day early, but I know I'll forget to do this tomorrow.  I don't want to jinx myself, but...maybe next month??

Way to go!! February is graduation month for you, I can feel it!

[Treedream]

January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000

January 2024 - $99,131

I'm a day early, but I know I'll forget to do this tomorrow.  I don't want to jinx myself, but...maybe next month??

So close! Fingers crossed.

[comicguy]

Jan 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
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Up 3186.85   Investment  48247.88 Total 51434.53
8/31/23   Round Up 3246.18   Investment  46405.95 Total 49652.13
9/30/23   Round Up 3198.44  Investment   45198.55 Total 48396.99
10/31/23 Round Up 3302.66   Investment  45110.26 Total 48412.92
11/30/23 Round Up 3699.72  Investment   49541.50 Total 53241.22
12/31/23 Round Up 4031.71  Investment   53525.05 Total 57556.75

01/31/24 Round Up 4157.69  Investment   53274.08  Total 57431.77

Down a bit this month but I am sure it will increase in Feb! :)

[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
December 2023: EUR 51,366

January 2024: EUR 51,666

Goal for 2024: EUR 55K

Small increase this month in liquids (which I'm tracking here), but we did an extra payment on the mortgage, so total net worth increased more than this!
Still expecting some maintenance work on the house, so this will also be paid from our savings and will keep the increase for 2024 limited.

@LittleWanderer you are sooooooooo close!

[Air]

@LittleWanderer Nice!

Second update ever. Changed the file a bit, now calculating at eom and included some measures. Savings rate is calculated using income from work, income is not in the table. There is also money coming from other sources, which I don't count toward savings rate.
Today I already transferred the money for february investments. In truth, the aim was not met for february: added 2.261 and the aim was 2.323.
Total includes investment growth.

2023

Added

Total

2024

Aim

Added

SR

Total

Jan-23

€ 0 K

|

Jan-24

€ 2.7 K

€ 3.6 K

80%

€ 33.1 K

Feb-23

€ 0 K

|

Feb-24

€ 2.3 K

€ 2.3 K

%

€ 0 K

Mar-23

€ 0 K

|

Mar-24

€ 2.1 K

€ 0 K

%

€ 0 K

Apr-23

€ 0 K

€ 0 K

|

Apr-24

€ 2.3 K

€ 0 K

%

€ 0 K

May-23

€ 8 K

€ 8 K

|

May-24

€ 3.9 K

€ 0 K

%

€ 0 K

Jun-23

€ 7.4 K

€ 15.4 K

|

Jun-24

€ 2.3 K

€ 0 K

%

€ 0 K

Jul-23

€ 0.3 K

€ 15.7 K

|

Jul-24

€ 2.3 K

€ 0 K

%

€ 0 K

Aug-23

€ 4 K

€ 19.7 K

|

Aug-24

€ 2.3 K

€ 0 K

%

€ 0 K

Sep-23

€ -0.1 K

€ 19.6 K

|

Sep-24

€ 2.3 K

€ 0 K

%

€ 0 K

Oct-23

€ 2.5 K

€ 22.1 K

|

Oct-24

€ 2.3 K

€ 0 K

%

€ 0 K

Nov-23

€ 1.9 K

€ 24 K

|

Nov-24

€ 2.3 K

€ 0 K

%

€ 0 K

Dec-23

€ 1.3 K

€ 25.4 K

|

Dec-24

€ 2.3 K

€ 0 K

%

€ 0 K

[getsorted]

August 2023:       $10,171
November 2023:  $12,224
December 2023:  $13,048
January 2024:     $14,724

[la Condessa]

Aug 2021

$11,112.43


Nov 2021

$15,002.39


April 2022

$17,146.49


Jan 2023

$21,203.88


Feb 2023

$26,057.72


April 2023

$28,562.13


May 2023

$32,689.09


June 2023

$37,087.72


July 2023

$39,110.82


February 2024

EF: $4,000

Roth IRA: $1,687.07
tIRA: $14,396.20
tIRA: $19,975.22

Robinhood: $281.36

=$36,343.85

We've had some setbacks, but they have been covered, and we are moving forward again.

[LittleWanderer]

February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000
January 2024 - $99,131

February 2024 - $102,401

Holy crap, I did it.  It took me almost exactly 7 years to go from zero to $100K.   

Thanks for all the support!  I'm a single lady who just turned 41 last week and doesn't earn that much, so it was a battle.  I hope to see you all in the next thread soon!!! :) 

[Tasse]

WOOHOOO!!

It was over 6 years for me, so similar timeline, but it pays off! Congrats!

[Trifle]

February 2024 - $102,401

Holy crap, I did it.  It took me almost exactly 7 years to go from zero to $100K.   

Thanks for all the support!  I'm a single lady who just turned 41 last week and doesn't earn that much, so it was a battle.  I hope to see you all in the next thread soon!!! :)

Congratulations @LittleWanderer!!!  Well done.  What a fantastic birthday present to yourself.   

[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 €)
01/05/2023: 62.039,59 € (-1.026,70 €)
01/06/2023: 64.461,16 € (+2.421,57 €)
01/07/2023: 68.526,22 € (+4.065,06 €)

01/03/2024: 84.950,64 € (+16.424,42 €)

Haven't updated in a while. The increase in the past months is no thanks to my savings, which were very minimal during that time frame, but due to the recent stock market and especially BTC increases. My long term girlfriend and I broke up in December. This was not only sad but also costly, as I bought her out of all posessions we co-owned which ended up being around 9 k €. I negotiated a raise of 1 k € a month before taxes starting in February, this more than covers having to pay rent on my own. I'll also receive a bonus of 12 k € before taxes soon, so barring any stock market or BTC downturns I might speedwalk out of this race despite the turmoil of the last months.

[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
December 2023: EUR 51,366

January 2024: EUR 51,666
February 2024: EUR 52,399

Goal for 2024: EUR 55K

Nice decent increase. No special things in February, so just the regular savings/investments. Waiting for my job re-grading, which hopefully will result in a salary increase.

@LittleWanderer : huge, huge, HUGE CONGRATS!!!!! You made it!
@Ze Stash: sorry to hear about your breakup. Hope you get back on track soon!

[Air]

2023

Added

Total

2024

Aim

Added

SR

Total

Jan-23

€ 0 K

|

Jan-24

€ 2.7 K

€ 3.6 K

80%

€ 33.1 K

Feb-23

€ 0 K

|

Feb-24

€ 2.3 K

€ 2.5 K

65%

€ 36.7 K

Mar-23

€ 0 K

|

Mar-24

€ 2.1 K

€ 2.5 K

%

€ 0 K

Apr-23

€ 0 K

€ 0 K

|

Apr-24

€ 2.3 K

€ 0 K

%

€ 0 K

May-23

€ 8 K

€ 8 K

|

May-24

€ 3.9 K

€ 0 K

%

€ 0 K

Jun-23

€ 7.4 K

€ 15.4 K

|

Jun-24

€ 2.3 K

€ 0 K

%

€ 0 K

Jul-23

€ 0.3 K

€ 15.7 K

|

Jul-24

€ 2.3 K

€ 0 K

%

€ 0 K

Aug-23

€ 4 K

€ 19.7 K

|

Aug-24

€ 2.3 K

€ 0 K

%

€ 0 K

Sep-23

€ -0.1 K

€ 19.6 K

|

Sep-24

€ 2.3 K

€ 0 K

%

€ 0 K

Oct-23

€ 2.5 K

€ 22.1 K

|

Oct-24

€ 2.3 K

€ 0 K

%

€ 0 K

Nov-23

€ 1.9 K

€ 24 K

|

Nov-24

€ 2.3 K

€ 0 K

%

€ 0 K

Dec-23

€ 1.3 K

€ 25.4 K

|

Dec-24

€ 2.3 K

€ 0 K

%

€ 0 K

Congratulations @LittleWanderer!

Another interesting metric is until what date can you live with your SWR? So projected SWR and current portfolio.
Coincidentially, I could've survived with a SWR of 4% on current portfolio until today.
Has anyone else tried to measure their progress in this way?

In excel I did the following formula to calculate this:
=45292+Portfolio*SWR/CostOfLivingPerday

45292 is the 1st of january 2024 per Excel count of days.
Format the cell as date and you get the day until your SWR money theoretically runs out :).

[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
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
5/31/23   Round Up 2704.05   Investment  40744.42 Total 43448.47
6/30/23   Round Up 2964.89   Investment  45358.97 Total 48323.86
7/31/23   Round Up 3186.85   Investment  48247.88 Total 51434.53
8/31/23   Round Up 3246.18   Investment  46405.95 Total 49652.13
9/30/23   Round Up 3198.44  Investment   45198.55 Total 48396.99
10/31/23 Round Up 3302.66   Investment  45110.26 Total 48412.92
11/30/23 Round Up 3699.72  Investment   49541.50 Total 53241.22
12/31/23 Round Up 4031.71  Investment   53525.05 Total 57556.75

01/31/24 Round Up 4157.69  Investment   53274.08  Total 57431.77
02/29/24 Round Up 4438.66  Investement 55297.24  Total 59735.90

Half of this months increase was new money the other half stock market increases

[Treedream]

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

Big gap

01/12/2022: € 21.636
01/01/2023: € 22.315
01/02/2023: € 23.270
01/03/2023: € 24.052
01/04/2023: € 24.755
01/05/2023: € 25,649

01/09/2023:  €53,363 (house purchase)
01/10/2023:  €54,611
01/11/2023:  €56,135
01/12/2023:  €57,492
01/01/2024:  €59,606  Investments: €550
01/02/2024:  €60,227  Investments: €619

01/03/2024: € 61,450 + € 1,223 Investments: € 684 + € 65

Decent month.

[TyGuy]

February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000
January 2024 - $99,131

February 2024 - $102,401

Holy crap, I did it.  It took me almost exactly 7 years to go from zero to $100K.   

Thanks for all the support!  I'm a single lady who just turned 41 last week and doesn't earn that much, so it was a battle.  I hope to see you all in the next thread soon!!! :)

Yay, yay, yay!! You stuck to it, and you achieved your goal! Welcome to the next thread!!!

[Treedream]

February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000
January 2024 - $99,131

February 2024 - $102,401

Holy crap, I did it.  It took me almost exactly 7 years to go from zero to $100K.   

Thanks for all the support!  I'm a single lady who just turned 41 last week and doesn't earn that much, so it was a battle.  I hope to see you all in the next thread soon!!! :)

Congrats! If the first 100 is the hardest, you've achieved the hardest goal!

[getsorted]

It took me almost exactly 7 years to go from zero to $100K.   

You're an inspiration to this 41-year-old single lady!!! Well done!

---

Update:

August 2023:       $10,171
November 2023:  $12,224
December 2023:  $13,048
January 2024:     $14,724
February 2024:    $15,805

[Log]

I still feel somewhat uncertain about tracking by Net Worth vs Cash+Liquid&Retirement Investments. I understand the argument for the latter for homeowners, to strike out estimated home value and mortgage balance. But since I rent and my liabilities are in student loans, it doesn't feel "real" to say that I have almost $40k in cash+liquid investments. (!!)

But even in a full NW calculation, I've now crossed the $10k mark! My NW has already increased by almost $8k since the beginning of the year due to a very lucrative February (:

3/7/2024 NW: $11.4k / Cash/Stocks: $38.4k

[getsorted]

I still feel somewhat uncertain about tracking by Net Worth vs Cash+Liquid&Retirement Investments. I understand the argument for the latter for homeowners, to strike out estimated home value and mortgage balance. But since I rent and my liabilities are in student loans, it doesn't feel "real" to say that I have almost $40k in cash+liquid investments. (!!)

But even in a full NW calculation, I've now crossed the $10k mark! My NW has already increased by almost $8k since the beginning of the year due to a very lucrative February (:

3/7/2024 NW: $11.4k / Cash/Stocks: $38.4k

I'm only tracking my "stache," aka my retirement investments. My actual NW may cross the 100k mark this year. My stache... not so much.

[Log]

I still feel somewhat uncertain about tracking by Net Worth vs Cash+Liquid&Retirement Investments. I understand the argument for the latter for homeowners, to strike out estimated home value and mortgage balance. But since I rent and my liabilities are in student loans, it doesn't feel "real" to say that I have almost $40k in cash+liquid investments. (!!)

But even in a full NW calculation, I've now crossed the $10k mark! My NW has already increased by almost $8k since the beginning of the year due to a very lucrative February (:

3/7/2024 NW: $11.4k / Cash/Stocks: $38.4k

I'm only tracking my "stache," aka my retirement investments. My actual NW may cross the 100k mark this year. My stache... not so much.

I'm guessing that discrepancy is in home equity?

Like I said, I see the value in excluding home/mortgage, but student loans (and current statement balances on credit cards, for that matter) seem more like straightforward dollar inputs that don't have the same complexity as real estate. I just don't feel like I "have" almost $40k when I almost have -$40k in student loans balancing it right out. (The other assets bringing me up over $10k are my musical instruments).

[getsorted]

I still feel somewhat uncertain about tracking by Net Worth vs Cash+Liquid&Retirement Investments. I understand the argument for the latter for homeowners, to strike out estimated home value and mortgage balance. But since I rent and my liabilities are in student loans, it doesn't feel "real" to say that I have almost $40k in cash+liquid investments. (!!)

But even in a full NW calculation, I've now crossed the $10k mark! My NW has already increased by almost $8k since the beginning of the year due to a very lucrative February (:

3/7/2024 NW: $11.4k / Cash/Stocks: $38.4k

I'm only tracking my "stache," aka my retirement investments. My actual NW may cross the 100k mark this year. My stache... not so much.

I'm guessing that discrepancy is in home equity?

Like I said, I see the value in excluding home/mortgage, but student loans (and current statement balances on credit cards, for that matter) seem more like straightforward dollar inputs that don't have the same complexity as real estate. I just don't feel like I "have" almost $40k when I almost have -$40k in student loans balancing it right out. (The other assets bringing me up over $10k are my musical instruments).

Mostly, but not entirely. My total NW breakdown is currently, roughly:
around $20k cash
around $10k in a 529
around $14k investments
around $123k primary residence
around -$62k mortgage
an -$8k loan from a relative who refuses to allow me to pay her back, but I feel virtually certain will come calling for that money in the future.

I don't count the cash savings because its entire purpose is to be there for unexpected expenses; its nature is that it can disappear quickly. I don't count the house because I intend to live in it. While it's possible I could someday mobilize its value for income purposes, it's unlikely in my case.

For my purposes here, what I'm concerned with is growing the stache for future income. I have a $500,000 stache goal, not a NW goal. But how you or anyone else here chooses to track and what we choose to count is a highly individual decision.