Race from 10 to 100k!!

[haypug16]

January 2020 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
6/30/2019 $17,825.45
7/31/2019 $19,232.60
8/31/2019 $18,295.57
9/30/2019 $20,402.75
10/31/2019 $24,417.80
11/30/2019 $29,601.50
12/31/2019 $36,186.69
1/31/2020 $37,375.31 +1,188.62 increase

A much smaller increase this month than prior ones, but still upward movement so can't complain :) I'm hoping next month is more like my usual months and I can crossover to the $40ks

[Hirondelle]

Dec 2017 €14.300
June 2018 €23.300 (+9k over 6 months)
Dec 2018 €35.600 (+13.3k over 6 months)
June 2019 €48.000 (+12.4k over 6 months)
Dec 2019 €61.500 (+13.5k over 6 months)
Jan 2020 €64.000 (+2.500)

[LittleWanderer]

January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575 
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
October 2019 - $31,770
November 2019 - $33,081
December 2019 - $34,820

January 2020 - $36,392

Sometimes I feel like I'm going nowhere, but the numbers say otherwise. 

[Serendip]

Good job everyone!

 & @Evasion our race tanked before it even started--I am way behind you now with at least a few month of lower income ahead. I'll aspire to keep in your tracks :)

Dec '17    18,146
Jan '18     23,607

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
July '19    57,022
Aug '19    59,005
Sept '19   61,160
Oct '19     62,060
Nov '19    64,246
Dec '19    60,746
Jan '20     63,186

[lexde]

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
07/03/2019: $58,718.06
07/19/2019: $60,172.27
08/02/2019: $60,058.32
08/16/2019: $62,923.68
01/06/2020: $69,508.25
01/17/2020: $73,128.38

01/31/2020: $77,313.16 (+$4,184)

Three paycheck month + tax refund issued. I'm a happy camper this month with my NW up $9,120.20 from 12/31.

[KathrinS]

End of January update:

£5012 in emergency fund
£5850 extra money, ready to be invested
£40197 in tax efficient investment account
£5007 in new LISA


March 3rd 2019: £24 650
April 11th 2019: £29 470
May 5th 2019: £31 830
June 6th 2019: £33 755
July 4th 2019: £38 274
July 29th 2019: £40 619
September 3rd 2019: £42 102
October 4th 2019: £43 821
November 1st 2019: £46 954
November 30th 2019: £50 134
December 30th 2019: £52 376
January 31st 2020: £56 066 --> £3 690 increase

[Optimiser]

Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
June 2019 $11,500
July 2019 $17,000
August 2019 $19,900
September 2019 $19,900
October 2019 $26,200
November 2019 $34,500
December 2019 $37,200

January 2019 $43,700 - I'm not sure I'll ever get used to seeing my net worth go up more in one month than my monthly salary!

[Tasse]

Jul 17	$6.2k
Aug 17	$6.8k
Sept 17	$8.2k
Oct 17	$9.0k
Nov 17	$9.9k
Dec 17	$11.1k
Jan 18	$12.1k
Feb 18	$13.6k
Mar 18	$15.1k
Apr 18	$16.6k
May 18	$17.7k
Jun 18	$18.5k
Jul 18	$20.2k
Aug 18	$20.8k
Sept 18	$22.2k
Oct 18	$21.7k
Nov 18	$22.5k
Dec 18	$22.4k
Jan 19	$24.7k
Feb 19	$27.2k
Mar 19	$29.3k
Apr 19	$31.3k
May 19	$31.5k
Jun 19	$33.3k
Jul 19	$35.1k
Aug 19	$36.7k
Sep 19	$38.6k
Oct 19	$40.2k
Nov 19	$42.6k
Dec 19	$44.6k

Jan 20: $49.0k

This was kind of a four-paycheck month for me; a three-paycheck month, plus the (late) payment for some additional work I did last year. As a result, I saved more money than I usually make in a month and half-funded my Roth already.

My spending was also very low. I haven't eaten out once since the holidays ended.

[Ze Stash]

Hi all,

joining the race now, even though NW crossed 10k in November 2019 already (it had already been 10k in early 2018, but then a 2-month trip before starting full-time work, furnishing the new appartment, buying a car that was needed for work etc. happened and basically put me back in the negative). I'm hoping for this to keep me accountable and motivate me to stay frugal in those instances where laziness or comfort might lead to just throwing money at a problem instead of solving it myself.

Goal for the year is to reach 25k. Here are my 2019 numbers:

Assets:
01/01/2019:   3.914,63 €
01/02/2019:   4.106,10 € (+   101,47 €)
01/03/2019:   4.359,75 € (+   343,65 €)
01/04/2019:   4.959,75 € (+   599,82 €)
01/05/2019:   6.669,92 € (+1.710,35 €)
01/06/2019:   7.451,88 € (+   781,96 €)
01/07/2019:   8.069,41 € (+   617,26 €)
01/08/2019:   8.949,17 € (+   880,03 €)
01/09/2019: 11.310,21 € (+2.361,04 €)
01/10/2019: 10.795,59 € (-    514,62 €)
01/11/2019: 11.426,98 € (+   631,39 €)
01/12/2019: 12.123,70 € (+   696,72 €)
01/01/2020: 12.979,27 € (+   855,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)

Debts:
01/01/2019: 4.024,10 €
01/02/2019: 3.746,69 € (-277,41 €)
01/03/2019: 3.469,28 € (-277,41 €)
01/04/2019: 3.191,87 € (-277,41 €)
01/05/2019: 2.914,46 € (-277,41 €)
01/06/2019: 2.637,05 € (-277,41 €)
01/07/2019: 2.109,64 € (-527,41 €)
01/08/2019: 1.832,23 € (-277,41 €)
01/09/2019: 1.454,82 € (-377,41 €)
01/10/2019: 1.077,41 € (-377,41 €)
01/11/2019:    700,00 € (-377,41 €)
01/12/2019:    350,00 € (-350,00 €)
01/01/2020:       0,00 €  (-350,00 €)
01/02/2020:       0,00 €  (-    0,00 €)

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 €)

[JCGreen]

I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big. My checking account is also not included as it has money I will likely spend this month. Goal for 2020 is to make it to $75K.

Net worth:
2017:
Dec2017:$7800
2018
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
2019
Jan2019: $27,100 (+3140)
Feb2019: $29,443 (+2343)
Mar2019: $31,603 (+2160)
Apr2019: $33,959 (+2356)
May2019: $33,933 (-$26)
Jun2019: $37,928 (+3995)
Jul2019: $39,736 (+1808)
Aug2019: $39,918 (+182)
Sep2019: $34,179 (-5739)
Oct2019: $38,091 (+3912)
Nov2019: $39,867 (+1776)
Dec2019: $43836 (+$3968)

2020
Jan2020:$ 45,839  (+2003)-Pretty average month for me, I spent a little more than usual, but it doesn't effect my savings rate. It looks like a lot of people are nearing the 100k mark. I hope you make it soon!

[CanadianTeacher]

Feb 1st 2020 Update:$101,272.15.  WOOT!!

Figure I'll stick around for another month to ensure that I stay over the goal :) This includes $17,405.32 in pension contributions that are hard to value... but since I'm early in my career, if I were to quit today, I'd get back the value of my contributions... so it's worth at least that.

Also includes $4000 in held pay that I'm counting. Essentially, it's pay that I've earned but my district holds onto it until the summer as they think they are helping us budget for the summer when we receive no pay (in reality, I'd much rather have the money up front and earn interest, but sadly that's not an option in this district).

January update: $96,301.56

Some good investment returns last month :). Might be able to reach 100k at the end of the month. Found out my job is secure until the end of June, so it seems very likely by the end of February.

Just contacted my former pension plan. Commuted value is difficult to calculate and I'll get a figure in six months. But I was assured I will get at least my contributions + interest, so: $6,826.01

So my current net worth:
$65,536.55 + $7,678.96 + $6,826.01 = ‬ $80,041.52‬  Woot!

December 1st update: $86,963.15

I received no pay over the summer, but travelled to England and Italy. I also treated myself to a new MacBook for work/pleasure.

With the threat of layoffs/strikes due to our new anti-education government, I will be slowing down my spending drastically. I know I'd be a lot closer to my $100,000 goal if I hadn't spent money on my trip/new technology, but you got to live a little.

I figure I will reach $100,000 by the end of February if my job remains stable.

[eav]

Great to see everyone's progress! Bigger leap this month from company stock vesting.

June 2019: $52,951
July 2019: $55,573
August 2019: $57,409
September 2019: $58,726
October 2019: $61,206
November 2019: $64,509
January 2020: 69,751
February 2020: 76,776

[Imma]

April 2019: €10094.35
May 2019: €11629.87
June 2019: €12728.63
July 2019: €13021,33
August 2019: €10363,95
September 2019: €10338.28
October: €11128.59
November: €11227,46
December: €11991,27
January: €12576,72


Goals for 2020:
Savings: €5250
Investments: €14750

[Dave15]

25-6-2018            € 29.879,12 ------> Started Tracking
25-7-2018            € 30.749,12
25-8-2018            € 31.993,17
25-9-2018            € 33.185,00 ------> Found MMM
25-10-2018          € 34.433,66
25-11-2018          € 35.556,00
25-12-2018          € 41.939,62
25-1-2019            € 42.082,47
25-2-2019            € 44.338,00
25-3-2019            € 46.218,65
25-4-2019            € 47.829,00
03-6-2019            € 49.478,00
05-7-2019            € 52.722,00
25-7-2019            € 54.736,00
31-8-2019            € 56.431,00
01-10-2019          € 58.445,00
06-11-2019          € 60.308,00
06-12-2019          € 61.808,00
26-12-2019          € 64.000,00

03-02-2020          € 72.170,00 (estimate due to brokerage account timing)

After last update on the 26th, I received a mini-windfall, reponsible for 70% of reported NW rise. I'll get something of a wage increase, but am not sure how high it'll be yet. Also did some extra side-work, will receive a bigger check than usual from them next month. If all falls my way this year, I might even make 100k, but that is a 1% scenario. Realistically, I'll have to be very content with 90k in december.

[shrimpwd]

                  401K   NW
1-1-2018     6455   24k
12-1-2018   9518   37k
4-1-2019    10960  49k
11-6-2019   13466  53k -start of race
12-29-19     14460   56k

I only have another ~15k in liabilities. I hope to see faster growth in the next year or two.

2-02-20     14991  57k

I'm really upset that I didn't hit 15k with the minor dip in the market. So close... I'll be nearing 16k by the end of the month, though.

[nmitb]

	2019	2020	2021	2022
Jan	-$7,248	$35,632	-	-
Feb	-$6,093	$32,925	-	-
Mar	-$1,081	-	-	-
Apr	$1,221	-	-	-
May	$4,418	-	-	-
Jun	$5,562	-	-	-
Jul	$7,408	-	-	-
Aug	$9,255	-	-	-
Sept	$25,361	-	-	-
Oct	$27,333	-	-	-
Nov	$31,211	-	-	-
Dec	$33,422	-	-	-

Stocks down, light paycheck, delayed christmas expenses and general sloppiness.

[Sugaree]

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     $64940.28 (+$ 599.83  or  +0.93%)
7/1/2019     $70156.02 (+$5215.74 or  +8.03%)
8/1/2019     $74255.95 (+$4146.62 or  +5.91%)
9/1/2019     $74328.43 (+$  25.79   or  +0.03%)
10/1/2019   $78067.76 (+$3739.33  or  +5.03%)
11/1/2019   $81247.16 (+$3206.40  or  +4.11%)
12/2/2019   $88148.59 (+$6874.43  or  +8.46%)

1/2/2020     $90835.16 (+$2686.57  or  +3.05%)
2/3/2020     $93896.81 (+$2968.79  or  +3.26%)

[Treedream]

01/06/2018: -€60
01/01/2019: €2875.28
01/07 2019: €9288.2
01/08/2019: €10.485.05
01/09/2019: 11554.85
28/09/2019:  €12.182,10
24/10/2019: €13.082.24
26/11/2019: €14,311.49

01/01/2020: €14.500 Goal

I didn't update this at the start of the year. However:

01/01/2020: € 13.900 This was lower than the goal, because I hadn't considered that I would have to pay for 2020 health insurance before the beginning of the new year. Overall super happy, because this was more than I expected to have.

Goal 01/01/2021: €27.500 Excluding sinking funds for holidays and health insurance, including student loan at 0.01% interest. This is starting off well, because I got a small raise at work.

01/02/2020: €15.260 Very frugal month :D

[bcbaseballman]

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
6/30/2019 :22,362
7/31/2019: 24,646
8/30/2019: $27,199
9/31/2019: $30,664
10/31/2019: $33,343
11/30/2019: $35,249
12/31/2019: $39,079

2020
1/31/2020: $44,514

We just keep plugging along

[Jim Fiction]

Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.

Here is a basic breakdown of the numbers as of the end of the day today:

Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131

Net Worth: $11,511

Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.

As for asset composition,  20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.

9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
9/30/2019 - $83,292
10/31/2019 - $87,539
11/30/2019 - $98,502
12/31/2019 - $96,225
1/1/2020 - $96,048

January Notes

Ehhhhh.... Painful month. For starters there was a substantial goof-up on my check (which still isn't fully resolved). So that is $1,400 of missing money this month. Also had almost $3K in medical expenses and some general dumb spendypants-ness, so yeah awful month.

On a positive note, I have received my February pay and I am above $100K, but no graduating for me just yet as I would like to see how the month shakes out. I am laser-focused on curbing controllable spending this month and there is an impending tax refund as well as the hopeful resolution of my payroll woes so as long as the market holds up I should be able to get there this month.

[kaposzta]

July 12, 2019: $66,565
Aug 1, 2019: $68,207 (+2.47%, +$1,642)
Aug 29, 2019: $69,931 (+2.53%, +$1,724)
Sept 29, 2019: $71,138 (+1.73%, +$1,207)
Oct 31, 2019: $71,517 (+0.53%, +$379)
Nov 29, 2019: $73,138 (+2.27%, +$1,621)
Jan 01, 2020: $74,276 (+1.56%, +$1,138)
Feb 06, 2020: $73,621 (-0.88%, -$655)

It was a painful month with a stunning 1% SR :D I had the following special expenses: quarterly public transport ticket, utilization cost in advance for 2020, some gifts, charity, etc. The bottom line is that having paid these stuff in advance makes me able to reach a 65-70% SR in the next 11 months. I hope my investments will have a better performance, and maybe my domain business takes off this year.

[iamthepinky]

All numbers are for joint net worth between my SO and I.

9/1/2018    $ 10,182.02
10/1/2018    $ 14,632.57
11/1/2018    $ 16,671.27
12/1/2018    $ 23,468.48
1/1/2019    $ 30,900.13
2/1/2019    $ 34,820.54
3/1/2019    $ 40,959.03
4/1/2019    $ 48,963.23
5/1/2019    $ 49,324.37
6/1/2019     $ 54,756.42
7/1/2019    $ 62,703.77
8/1/2019    $ 68,173.37
9/1/2019    $ 71,590.05
10/1/2019    $ 74,831.89
11/1/2019    $ 80,846.08
12/1/2019    $ 85,705.97
1/1/2020    $ 94,851.23

My NW made up about 80%, his about 20%. With a pay raise, a lean spending trend, and hopeful continued good market performance, we should hit 100k - and graduate this thread - before Feb 1.

2/1/2020    $ 100,928.81

A little late to report here but I am nonetheless proud to day that we have graduated this thread!!!!!! I am confident that this will stick, so I'll see you all in the next one.

[coldestcat]

congrats @iamthepinky !

6/1/19-      0
7/17/19-    4,199.61
9/3/19-    15,357.17
10/1/19-   15,636.38
11/1/19-   20,938.14
12/2/19-   32,158.59
1/2/19-     35,133.82
2/1/20-     45,466.38

Still dialing things in more, consolidating accounts and moving old money into those accounts. Our goal for this year is to get to 100k, so seeing this jump was very exciting. :)

[UnexpectedExpenseExpector]

Way to go @iamthepinky !!  See you in the next thread!

[Sugaree]

It's not the first of the month yet, but I *think* that between an old IRA rolling over to my TSP, pretty good gains in the last two weeks, and making a couple of big payments, I should be just over the $100k mark.  I guess technically I'm already there, but I've never counted that old IRA in my NW calculations.  Unless the market seriously takes a crap before March I should be graduating soon.

[haypug16]

Mid-February 2020 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
6/30/2019 $17,825.45
7/31/2019 $19,232.60
8/31/2019 $18,295.57
9/30/2019 $20,402.75
10/31/2019 $24,417.80
11/30/2019 $29,601.50
12/31/2019 $36,186.69
1/31/2020 $37,375.31
2/14/2020 $42,034.63 +4,659.32 increase

Woohoo made it to the $40ks :) I didn't expect such a big jump in the first half of the month. Here's hoping the second half is just as good!

[Evasion]

20 Dec 18 - 37,800
Mid March 2019 - 45,815
20 June 2019 - 50,890
Mid September 2019 - 57,608
15 October 2019 - 58,927
15 November 2019 - 64,594
15 December 2019 - 65,794
15 January 2020 - 69,388
1 February 2020 - 74,415
15 February 2020 - 76,452

Market rally is still going, and I have been relatively good, except for booze and eating out. Changing jobs with a small pay rise and having some leave paid out when I switch should make a pretty big jump in there.
It's always hard to predict but I'm starting to hope I will graduate before July first? That would be crazy.

[lexde]

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
07/03/2019: $58,718.06
07/19/2019: $60,172.27
08/02/2019: $60,058.32
08/16/2019: $62,923.68
01/06/2020: $69,508.25
01/17/2020: $73,128.38
01/31/2020: $77,313.16

02/16/2020: $80,269.73 (+$2,956.57)

Back to standard growth after a great saving month in January. I can expect between $4,250.00-$4,750.00 in growth each month for now.
If this growth keeps up then I am looking at mid-June for graduation. July 1 2020 to be safe, barring any funky market activity.

[slowstart]

Got a boost from employer 401k match!

Dec 2019: 64,220.99 {Brokerage: 5638.78, 401k: 51229.12, HSA: 7353.09}
Jan 2020: 67,932.57 {Brokerage: 6346.52, 401k: 53838.55, HSA: 7747.50}
Feb 2020: 80,369.63 {Brokerage: 8930.47, 401k: 63487.95, HSA: 7951.21}

Update:

Dec 2019: 64,220.99 {Brokerage: 5638.78, 401k: 51229.12, HSA: 7353.09}
Jan 2020: 67,932.57 {Brokerage: 6346.52, 401k: 53838.55, HSA: 7747.50}

[Manchester]

Not posted on here for a few months, but still been plodding on.

Here are some of my recent figures:

November: £25,364.54

December:£28,281.07

January:£28,407.70

February: £30,286.23

I'm finally past the £30k mark which is brilliant.  It's taking me an average of 7.5 months to increase my N/W by £10k, which implies I'll still be in this thread for over another 4 years. 

I have been spending a lot on my wedding, which hasn't helped speed along with proceedings, and once that's out of the way I'll be ramping up my investments even more so.  My salary is going to increase by roughly £10k pa (before taxes) in April, which will also contribute.  I've been working more on my matched betting side hustle which is paying dividends.

I've also had a new business idea I'm interested in trying out, so I'm going to give that some thought this week, but might contribute some money towards it.

Hope you're all hitting your targets and steering clear of COVID19. :')

[Imma]

@Manchester you're doing really great! Especially if this includes wedding spending. And congrats on the big raise!

I started a thread about owning a business last year. My business isn't making me rich yet but I'm earning some money and I'm learning a lot and meeting new people. I'm really glad I did it.

[Manchester]

@Manchester you're doing really great! Especially if this includes wedding spending. And congrats on the big raise!

I started a thread about owning a business last year. My business isn't making me rich yet but I'm earning some money and I'm learning a lot and meeting new people. I'm really glad I did it.

Thanks, and yes, the numbers include my wedding spending (which is a lot more than I'd like it to be).  We're doing certain things to reduce costs, but the wedding is quite a big deal to both our families.  Fortunately, we're expecting quite a bit of money back in the form of gifts on the day, so I'm hoping it gives me a big bump around August. 

I'll have to take a look at that thread, I've not seen it so far but would love to have a look.  I'm one of those people who has a new business idea every other day.  I've got one I'm working on at the moment, but I'm just hoping one day I come up with something that takes me from a fairly high earner to a rediculous salary like some people on this forum seem to earn.  We keep plodding onwards! :) 

[Rosy]

I'm in:) Nice to see some familiar faces too - good going everybody!

The first goal was $50K by Dec 31, 2019.
I projected it would take me two and a half years (30 mo) but it took me only 26 months - pushing real hard.
During that time other expenditures kept me scrambling, like two new (to us) cars $25K, two overseas trips $13K (two and three months each), paid off a loan early with $4K cash, elective surgery $7K and an interfering jewelry habit - yeah well, I'm not exactly a poster child mushtashian:).

New goal: $100K by Dec 31, 2021

Savings history:
$  4,588 June 2017
$ 10,117 Dec 2017

$ 10,715 Jan 2018
$ 31,034 Dec 2018

$ 31,094 Jan 2019
$ 50,000 Dec 2019

$ 53,000 Jan 2020
$ 56,000 Feb 2020

My projection is $60K by April 2020 - by then I intend to revisit my strategy.
My fixed goal is to reach at least $70K minimum by EOY 2020, preferably $75K.
We'll see how it all goes - 2020 is shaping up to potentially be a very interesting year in many aspects.

[LittleWanderer]

February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575 
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
October 2019 - $31,770
November 2019 - $33,081
December 2019 - $34,820
January 2020 - $36,392

February 2020 - $35,701

Whomp-whomp.  First time going down in a while, but it's only due to the market.  I'm just kind of excited to have enough money invested to feel the market fluctuations now!  My 401K is down over $2K.  So...yay?  Haha. 

[lexde]

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
07/03/2019: $58,718.06
07/19/2019: $60,172.27
08/02/2019: $60,058.32
08/16/2019: $62,923.68
01/06/2020: $69,508.25
01/17/2020: $73,128.38
01/31/2020: $77,313.16
02/16/2020: $80,269.73

02/28/2020: $77,245.88 (-$3,023.85)

The market swept about $5k of my net worth over the last two weeks. No big deal. Still maxing 401(k) and contributing to my IRA/HSA as planned. I did sweep a little extra cash into my HYSA because it’s a little lower than I’d like it to be, but other than that I’m just staying the course and not thinking about the market much.

SO and I are eating a lot more healthy food, more plant-based, and spending less on restaurants. It’s been a lifesaver on the wallet!

[Serendip]

Dec '17    18,146
Jan '18     23,607

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
July '19    57,022
Aug '19    59,005
Sept '19   61,160
Oct '19     62,060
Nov '19    64,246
Dec '19    60,746
Jan '20     63,186
Feb '20     63,350

*was expecting this as I had to withdraw funds, managed to get back up the January level and anticipating a similar month as I haven't been working and am currently unable to work so will just focus on flexing my frugal muscle. All in good time..

[Serendip]

I'm in:) Nice to see some familiar faces too - good going everybody!

The first goal was $50K by Dec 31, 2019.

Nice to see you here too @Rosy!

[Imma]

April 2019: €10094.35
May 2019: €11629.87
June 2019: €12728.63
July 2019: €13021,33
August 2019: €10363,95
September 2019: €10338.28
October: €11128.59
November: €11227,46
December: €11991,27
January: €12576,72
February: €11904,39

Goals for 2020:
Savings: €5250
Investments: €14750

[Optimiser]

Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
Jun 2019 $11,500
Jul 2019 $17,000
Aug 2019 $19,900
Sep 2019 $19,900
Oct 2019 $26,200
Nov 2019 $34,500
Dec 2019 $37,200
Jan 2019 $43,700

Feb 2020 $45,400

Got a big tax refund, Corona virus has tanked the market, and I paid a bunch in closing costs to refi my house. Moving forward I'll be saving a bunch on interest every month. I'm surprised to see things still going up this month, all things considered.

[KathrinS]

End of February update:

£5012 in emergency fund
£3853 extra money, ready to be invested
£37208 in tax efficient investment account
£4694 in LISA
£3825 in SIPP


March 3rd 2019: £24 650
April 11th 2019: £29 470
May 5th 2019: £31 830
June 6th 2019: £33 755
July 4th 2019: £38 274
July 29th 2019: £40 619
September 3rd 2019: £42 102
October 4th 2019: £43 821
November 1st 2019: £46 954
November 30th 2019: £50 134
December 30th 2019: £52 376
January 31st 2020: £56 066
February 29th 2020: £54 592 ---   -1474


Not too bad yet. My monthly contribution was £2000, so total current 'losses' around £3500. Surprised that it's still better than my net worth at the New Year!

[Evasion]

20 Dec 18 - 37,800
Mid March 2019 - 45,815
20 June 2019 - 50,890
Mid September 2019 - 57,608
15 October 2019 - 58,927
15 November 2019 - 64,594
15 December 2019 - 65,794
15 January 2020 - 69,388
1 February 2020 - 74,415
15 February 2020 - 76,452
1 March 2020 - 72,765

Massive hit from the correction, but overall travelling well. I bought some stocks on sale and will continue to invest as much as possible over the next month.
I guess it's a more realistic assessment of my NW anyway as it had been growing very fast.

[Tasse]

Jul 17	$6.2k
Aug 17	$6.8k
Sept 17	$8.2k
Oct 17	$9.0k
Nov 17	$9.9k
Dec 17	$11.1k
Jan 18	$12.1k
Feb 18	$13.6k
Mar 18	$15.1k
Apr 18	$16.6k
May 18	$17.7k
Jun 18	$18.5k
Jul 18	$20.2k
Aug 18	$20.8k
Sept 18	$22.2k
Oct 18	$21.7k
Nov 18	$22.5k
Dec 18	$22.4k
Jan 19	$24.7k
Feb 19	$27.2k
Mar 19	$29.3k
Apr 19	$31.3k
May 19	$31.5k
Jun 19	$33.3k
Jul 19	$35.1k
Aug 19	$36.7k
Sep 19	$38.6k
Oct 19	$40.2k
Nov 19	$42.6k
Dec 19	$44.6k
Jan 20	$49.0k

Feb 20: $46.5k

I got paid this week, so tossed $600 into the market Thursday night. Down goes the rollercoaster!

[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 €)

I guess being early in the accumulation phase helps with the recent downturn. Savings outweighed paper lossed, but it still stings that all my February investments went into the market at the peak.

[BobTheBuilder]

A lot of locomotion with the invesments. I made some huge gains (percent wise) early in the month on long straddle option strategies. Re-invested the gains and poof comes the correction.
However I also bought put options on ETFs and almost neutralized my stance just before the sell-off got serious.

Investments incl. PUTS: 27,807€
Cash: 1,000€
Illiquid stuff (car, corporate pension...): 1,971€
CC and loan: -5,456€
Total: 25,322€ (+2,603€)

[Tasse]

I guess being early in the accumulation phase helps with the recent downturn. Savings outweighed paper lossed, but it still stings that all my February investments went into the market at the peak.

You'll have a chance to buy the dip next month - or if you don't, we'll all be marveling at the amazingly fast recovery. ;)

[CanadianTeacher]

January 2018: $18,944.35
February 2018: $22,047.46
March 2018: $23,463.61
April 2018: $24,224.19
May 2018: $26,173
Jun 2018: $29,519.62

October 2018: $29,676.50
November 2018: $32,923.90
December 2018: $34,394.85
January 2019: $39,825.43
February 2019" $43,508.66
April 2019: $48,394.91
July 2019: $80,041.52 (Big jump because as a teacher I receive pay that's held back over the year to cover me for the summer -- basically three paycheques at once. I also started to include my pension value in net worth)‬
December 2019: $86,963.15

January 2020: $96,301.56
February 2020: $101,272.15.
March 2020: $102,362.65

Moved up a little bit this month but lost a ton of gains on the market. Hoping the market recovers this month. Did not advance enough this month to feel comfortable that I've truly graduated. from the thread.

Feb 1st 2020 Update:$101,272.15.  WOOT!!

Figure I'll stick around for another month to ensure that I stay over the goal :) This includes $17,405.32 in pension contributions that are hard to value... but since I'm early in my career, if I were to quit today, I'd get back the value of my contributions... so it's worth at least that.

Also includes $4000 in held pay that I'm counting. Essentially, it's pay that I've earned but my district holds onto it until the summer as they think they are helping us budget for the summer when we receive no pay (in reality, I'd much rather have the money up front and earn interest, but sadly that's not an option in this district).

January update: $96,301.56

Some good investment returns last month :). Might be able to reach 100k at the end of the month. Found out my job is secure until the end of June, so it seems very likely by the end of February.

Just contacted my former pension plan. Commuted value is difficult to calculate and I'll get a figure in six months. But I was assured I will get at least my contributions + interest, so: $6,826.01

So my current net worth:
$65,536.55 + $7,678.96 + $6,826.01 = ‬ $80,041.52‬  Woot!

December 1st update: $86,963.15

I received no pay over the summer, but travelled to England and Italy. I also treated myself to a new MacBook for work/pleasure.

With the threat of layoffs/strikes due to our new anti-education government, I will be slowing down my spending drastically. I know I'd be a lot closer to my $100,000 goal if I hadn't spent money on my trip/new technology, but you got to live a little.

I figure I will reach $100,000 by the end of February if my job remains stable.

[nmitb]

	2019	2020	2021	2022
Jan	-$7,248	$35,632	-	-
Feb	-$6,093	$32,925	-	-
Mar	-$1,081	$32,425	-	-
Apr	$1,221	-	-	-
May	$4,418	-	-	-
Jun	$5,562	-	-	-
Jul	$7,408	-	-	-
Aug	$9,255	-	-	-
Sept	$25,361	-	-	-
Oct	$27,333	-	-	-
Nov	$31,211	-	-	-
Dec	$33,422	-	-	-

[Jim Fiction]

Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.

Here is a basic breakdown of the numbers as of the end of the day today:

Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131

Net Worth: $11,511

Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.

As for asset composition,  20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.

9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
9/30/2019 - $83,292
10/31/2019 - $87,539
11/30/2019 - $98,502
12/31/2019 - $96,225
1/31/2020 - $96,048
2/29/2020 - $94,556

February Notes

My retirement accounts lost $10K over the last week. Had the market simply held steady I would have been graduating. Not going to complain, though. Just going to keep pushing.

[Sugaree]

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     $64940.28 (+$ 599.83  or  +0.93%)
7/1/2019     $70156.02 (+$5215.74 or  +8.03%)
8/1/2019     $74255.95 (+$4146.62 or  +5.91%)
9/1/2019     $74328.43 (+$  25.79   or  +0.03%)
10/1/2019   $78067.76 (+$3739.33  or  +5.03%)
11/1/2019   $81247.16 (+$3206.40  or  +4.11%)
12/2/2019   $88148.59 (+$6874.43  or  +8.46%)

1/2/2020     $90835.16 (+$2686.57  or  +3.05%)
2/3/2020     $93896.81 (+$2968.79  or  +3.26%)
3/2/2020     $100,165.23(+6268.42   or   +6.68%)


I made it.  Just barely, but I made it.  Mostly due to a tax refund (I know, I know...face punch me...but it's probably for the best this year) and rolling an old IRA over into one of the accounts I track for NW.  I may stick around here for one more month because I have an expected expense coming up soon that will knock me back down under $100k (stupid fender bender). 

[Slanhirn]

Tracking net worth.

EOY 12.2016 - (-£10,250)
EOY 12.2017 - £4,360
EOY 12.2018 - £40,620
EOY 12.2019 - £62,523
01.2020 - £64,537 (+2,314)
02.2020 - £65,716 (+1,179)
03.2020 - £66,908 (+1,192)

Assets = £70,723
Student loans = (£3,815)