Author Topic: Race from 10 to 100k!!  (Read 180099 times)

JLee

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Re: Race from 10 too 100k!!
« Reply #600 on: August 24, 2015, 06:35:25 PM »
Yeah...I don't anticipate posting many updates here in the near future.  :P

CanIndian

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Re: Race from 10 too 100k!!
« Reply #601 on: August 31, 2015, 05:44:36 AM »
May 2015: $63,000
June 2015: $65,550
July 2015: $74,250
Not a great month, August. The markets, the exchange rate and some unplanned home expenses cropping up leading to the first negative month in 2015. Sept might be worth looking forward to, with a small hike and the expenses at the home stabilizing.

May 2015: $63,000
June 2015: $65,550
July 2015: $74,250
Aug 2015: $73,900

ahueston

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Re: Race from 10 too 100k!!
« Reply #602 on: August 31, 2015, 08:33:43 AM »
Just wanted to say good luck everyone in this tread.  I enjoy reading all of your success stories.

Keep it up!

FliXFantatier

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Re: Race from 10 too 100k!!
« Reply #603 on: August 31, 2015, 10:34:22 AM »
So the market is being the market.
However as one of the last steps we took in consolidating our joint finances I added my so's life insurance to YNAB, bringing our net worth up quite a bit. :D

Pooperman

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Re: Race from 10 too 100k!!
« Reply #604 on: August 31, 2015, 02:29:41 PM »
Despite the headwinds, initial calculations show a new worth of $37,759.70 (up from $35,569.17). Much of this is due to a combination of not spending everything we earned this month and getting the 401k match that wasn't vested when I moved it over to an IRA. I ended up with this money (about $1200) due to the previous company being acquired by another at the time of my leaving and moving 401k providers. Finally passed the old high-water mark set in May ($36,579.20). Hopefully future months are better to our net worth than the past few have been!

frogger

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Re: Race from 10 too 100k!!
« Reply #605 on: August 31, 2015, 08:37:11 PM »
Hmm, tough summer. Not getting paid for three months, plus moving, plus some adventures makes for a trend in the wrong direction.

Jun 30: $20,200
Jul 31: $19,250
Aug 31: $15,350

Ouch. First paycheck at the new job arrives in ~two weeks. Looking forward to starting in the right direction again!

SpareChange

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Re: Race from 10 too 100k!!
« Reply #606 on: September 01, 2015, 12:09:20 AM »
Up $1,744. Slowest month on the spreadsheet for me I believe, despite earning a decent amount of overtime. The market giveth, and the market taketh away....

Pooplips

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Re: Race from 10 too 100k!!
« Reply #607 on: September 01, 2015, 06:16:37 AM »
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
7/31/2015 - $72,988.00


9/1/2015 - $73,706.00

Still moving up!

fb132

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Re: Race from 10 too 100k!!
« Reply #608 on: September 01, 2015, 07:32:23 AM »
2015 Net worth:
January: 61 647,49$
February: 63 787,57$
March: 64 489,46$
April: 65 584,07$
May: 69 863,33$
June: 69 561,33$
July: 72 747,51$
August: 71 906,04$

For the second time this year, my networth is down from the previous month. I managed to invest 717,55$ this month, but it wasn't enough for my networth to go up because of the stock market small correction. It was the biggest drop this year and all my investments took a hit.
« Last Edit: September 01, 2015, 12:41:56 PM by fb132 »

neo von retorch

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Re: Race from 10 to 100k!!
« Reply #609 on: September 01, 2015, 08:58:25 AM »
5/31/2014: -$14,743
6/30/2014: -$7196
7/31/2014: $2017
8/31/2014: $5508
9/30/2014: $10,128
10/31/2014: $14,610
11/30/2014: $21,118
12/31/2014: $24,603
1/31/2015: $22,583
2/28/2015: $27,828
3/31/2015: $35,302
4/30/2015: $41,762
5/31/2015: $47,324
6/30/2015: $50,866
7/31/2015: $38,419
8/31/2015: $43,538

This month, I paid property taxes, paid for some wedding expenses and paid some moving expenses. My wife paid the security deposit on our new apartment (not reflected here). We haven't finished combining our accounts, so her student loan and positive accounts aren't showing up here, but it will boost this number next month overall. We combined car insurance, and combined we're saving quite a lot. Also some of our wedding gifts went into my account, so that shows up here. Some went into hers and will show up when we're done combining! NOTE: I use my own software to track net worth, and I only update investment gains/losses once per quarter, so the market changes are not reflected here. They will be next month.

seanc0x0

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Re: Race from 10 too 100k!!
« Reply #610 on: September 01, 2015, 09:54:26 AM »
Forgot to do last month, as I was on vacation, so this reflects two of months.

The big news is I found an RRSP account I had at a job I had 10 years ago that I'd forgotten about, which has just under 16k in it! The other investments are down due to the market, and I've been paying off the concrete we had to replace in July so not as much money going into the FI fund.

The good news is we managed the concrete without debt by saving up for it, which is a nice change from old spendy me. I do need to put some money back in a few budget categories we pillaged to avoid debt, though, so it'll slow down capital deployment for a few more months.

Since June, we've gone from $17,736.00 to $33,380, a jump of 88%! (Just wish I could keep that up!)

Woodro85

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Re: Race from 10 too 100k!!
« Reply #611 on: September 01, 2015, 10:54:39 AM »

8/1/2015   $52,700.00

Was able to do pretty well last month all things considered! Actually hoping for a decent, much better than inflation raise this month too. But that's still hoping and unconfirmed. If it happens, I will split 50/50 of the raised amount to a debt and into increasing my TFSA contributions.

Up to
9/1/2015 - $57,358.64

fb132

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Re: Race from 10 too 100k!!
« Reply #612 on: September 01, 2015, 12:43:55 PM »
Forgot to do last month, as I was on vacation, so this reflects two of months.

The big news is I found an RRSP account I had at a job I had 10 years ago that I'd forgotten about, which has just under 16k in it! The other investments are down due to the market, and I've been paying off the concrete we had to replace in July so not as much money going into the FI fund.

The good news is we managed the concrete without debt by saving up for it, which is a nice change from old spendy me. I do need to put some money back in a few budget categories we pillaged to avoid debt, though, so it'll slow down capital deployment for a few more months.

Since June, we've gone from $17,736.00 to $33,380, a jump of 88%! (Just wish I could keep that up!)
How do you forgot something important like an RRSP lol...I am sure your newly found RRSP has gone through the roof since it hasn't been touched. Plus, usually you have to send your RRSP slips when doing your tax returns, I am surprised that no one mentionned it.

Eristheunorganized

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Re: Race from 10 too 100k!!
« Reply #613 on: September 01, 2015, 12:54:46 PM »
I went from $64,710.93 at the 1st to $64,194.10. Ouch. As my net worth grows I have to get used to the fact that the market will have a bigger and bigger impact.

seanc0x0

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Re: Race from 10 too 100k!!
« Reply #614 on: September 01, 2015, 02:47:35 PM »
Forgot to do last month, as I was on vacation, so this reflects two of months.

The big news is I found an RRSP account I had at a job I had 10 years ago that I'd forgotten about, which has just under 16k in it! The other investments are down due to the market, and I've been paying off the concrete we had to replace in July so not as much money going into the FI fund.

The good news is we managed the concrete without debt by saving up for it, which is a nice change from old spendy me. I do need to put some money back in a few budget categories we pillaged to avoid debt, though, so it'll slow down capital deployment for a few more months.

Since June, we've gone from $17,736.00 to $33,380, a jump of 88%! (Just wish I could keep that up!)
How do you forgot something important like an RRSP lol...I am sure your newly found RRSP has gone through the roof since it hasn't been touched. Plus, usually you have to send your RRSP slips when doing your tax returns, I am surprised that no one mentionned it.

It was with a firm I never check (not even set up for online access), and so it was easy to forget about when it came to this. Also, no contributions and no withdrawals means nothing for taxes, so it's easy to overlook.  I wasn't at that job very long, as they closed the local office I was employed at about a year after I started.

The MER is no good (~2%) and the options are somewhat limited, so I'll be transferring it into my other RRSP.

mrteacher

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Re: Race from 10 too 100k!!
« Reply #615 on: September 01, 2015, 04:58:57 PM »
Jumping in!

My financial year goes from 9/1 to 8/31, as I am a teacher and my salary change kicks in during September. It makes more sense for me that way. So, here we go:

Roth IRA: $33,598.33
VTSAX: $12,199.90
Savings/Checking: $20,408.84
Pension: $5,280
Car: ~$7,000

9/1/2015: $78,482.07

I'd like to hit $100,000 by next summer, given that I am saving/investing roughly $1400-$1800/month.

tarheeldan

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Re: Race from 10 too 100k!!
« Reply #616 on: September 01, 2015, 05:04:04 PM »

8/1/2015$52,700.00

Was able to do pretty well last month all things considered! Actually hoping for a decent, much better than inflation raise this month too. But that's still hoping and unconfirmed. If it happens, I will split 50/50 of the raised amount to a debt and into increasing my TFSA contributions.

Up to
9/1/2015 - $57,358.64
Good luck on the raise!

tarheeldan

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Re: Race from 10 too 100k!!
« Reply #617 on: September 01, 2015, 05:05:25 PM »
Jumping in!

My financial year goes from 9/1 to 8/31, as I am a teacher and my salary change kicks in during September. It makes more sense for me that way. So, here we go:

Roth IRA: $33,598.33
VTSAX: $12,199.90
Savings/Checking: $20,408.84
Pension: $5,280
Car: ~$7,000

9/1/2015: $78,482.07

I'd like to hit $100,000 by next summer, given that I am saving/investing roughly $1400-$1800/month.
Welcome!

Middlesbrough

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Re: Race from 10 too 100k!!
« Reply #618 on: September 01, 2015, 08:25:50 PM »
Company match came in later than the last couple years. Help offset market downturns.

Rodgers12

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Re: Race from 10 too 100k!!
« Reply #619 on: September 02, 2015, 06:21:52 AM »
Well just like most people the market brought my net worth down in August. First time this year my net worth decreased. The good news is it wasn't self inflicted (ie creating debt). Hopefully I can save even more the next few months to capitalize on lower stock prices and keep making my net worth climb north.

7/31/2015: $36,978
8/31/2015: $34,949

JLee

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Re: Race from 10 too 100k!!
« Reply #620 on: September 02, 2015, 09:11:30 AM »
I went from $64,710.93 at the 1st to $64,194.10. Ouch. As my net worth grows I have to get used to the fact that the market will have a bigger and bigger impact.

Yeah...I don't even want to add mine up right now. I'm putting ~$2k/mo into my 401k and my value is dropping.  Maybe I'll check it at the end of the year, haha.

katthjul

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Re: Race from 10 too 100k!!
« Reply #621 on: September 02, 2015, 09:12:41 AM »
Joining as well. I was waiting for the new month only to almost miss it.

2015-08-31 9,999
« Last Edit: October 01, 2015, 10:54:47 AM by katthjul »

carozy

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Re: Race from 10 too 100k!!
« Reply #622 on: September 02, 2015, 03:40:59 PM »
I decided to join in again.  I just paid off a medical bill and will be getting a new job and a raise soon (yay!).  The medical bill payment doesn't reflect in my net worth from 8/31/15 but will show up on this month's.  I figured out the spreadsheet doesn't crash using Explorer although the % change doesn't show anything.  I checked and the formula is entered but it doesn't seem to be computing.  I'm not sure if that's an Explorer thing or what.  I do like participating and now that I know it won't crash with Explorer, I will.  :)

EDIT: I just re-opened it in Explorer and it looks like it's working fine now.  Yay!  :)
« Last Edit: September 02, 2015, 03:47:08 PM by carozy »

SpareChange

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Re: Race from 10 too 100k!!
« Reply #623 on: September 02, 2015, 04:54:07 PM »
Welcome back, carozy!! And welcome to all the other new posters!

tarheeldan

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Re: Race from 10 too 100k!!
« Reply #624 on: September 02, 2015, 05:09:22 PM »
Thanks to cash birthday gifts (and continued stashing), net worth went up despite the market:

+2.55% to 82,002.95.

Minimum target for EOY is 90,500, but hoping to get as close to the finish line as possible :-)

Looks like spreadsheet is still wacked out :/
« Last Edit: September 02, 2015, 05:15:33 PM by tarheeldan »

SpareChange

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Re: Race from 10 too 100k!!
« Reply #625 on: September 03, 2015, 01:28:12 AM »
Thanks to cash birthday gifts (and continued stashing), net worth went up despite the market:

+2.55% to 82,002.95.

Minimum target for EOY is 90,500, but hoping to get as close to the finish line as possible :-)

Looks like spreadsheet is still wacked out :/

Happy Birthday!!

ash7962

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Re: Race from 10 too 100k!!
« Reply #626 on: September 03, 2015, 07:51:15 AM »
Ooph.  I took a hit this month since for this challenge I'm only including my investment accounts as part of my NW.  Also not able to take advantage of the downturn as much as I'd like since I've diverted investable funds to helping my parents pay back a loan.  Ah well, that's how it goes.

zephyr911

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Re: Race from 10 too 100k!!
« Reply #627 on: September 03, 2015, 08:36:13 AM »
Can I join in, but make this just for my TSP?

Currently $42,367.76. Contributions + match + loan repayments = $10,852 through year-end and $971 biweekly thereafter (3-4 years to 100K depending on the market). Loan balance is ~$20K - I could pay early but have found better things to do with the money so far. We'll see.
I am not a cog. I am an organizational lubricant.

carozy

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Re: Race from 10 too 100k!!
« Reply #628 on: September 03, 2015, 10:54:59 AM »
Welcome back, carozy!! And welcome to all the other new posters!

Thank you!  I'm happy I reached 5 O'clock Shadow, although I know it's temporary since it doesn't reflect the big medical bill payment.  Guess I'll probably be back down to Peach Fuzz next month.  :(

tarheeldan

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Re: Race from 10 too 100k!!
« Reply #629 on: September 03, 2015, 11:00:00 AM »
Can I join in, but make this just for my TSP?

Welcome! You won't be the only one doing something like that here :-)

tarheeldan

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Re: Race from 10 too 100k!!
« Reply #630 on: September 03, 2015, 11:05:08 AM »
I think I got the spreadsheet back to normal-ish? Added columns through the end of the year too.

carozy

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Re: Race from 10 too 100k!!
« Reply #631 on: September 03, 2015, 11:36:04 AM »
I think I got the spreadsheet back to normal-ish? Added columns through the end of the year too.

You fixed it!  Works on Firefox now. :)  I am most pleased.  I stared at it for quite a while, just absorbing the numbers until I realized it hadn't crashed the browser!  Yay!

NJAbroad

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Re: Race from 10 too 100k!!
« Reply #632 on: September 05, 2015, 03:52:31 AM »
I would like to join this challenge.  According to YNAB, our current net worth is:

5 Sep 2015 - $13,058

tarheeldan

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Re: Race from 10 too 100k!!
« Reply #633 on: September 05, 2015, 06:34:16 AM »
I would like to join this challenge.  According to YNAB, our current net worth is:

5 Sep 2015 - $13,058
Welcome!

celticmyst08

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Re: Race from 10 too 100k!!
« Reply #634 on: September 05, 2015, 03:32:35 PM »
As I anticipated, our net worth dropped this month, by 4.72%. We paid over $6k in tuition and books, plus our investment portfolio dropped due to the stock market issues. All in all, I am pretty happy that we only dropped 4.72%! We're still on target to hit $60k by the end of the year.

EOY 2014: 20,639.31   
Jan 2015: 22,508.74   
Feb 2015: 30,778.55   
Mar 2015: 34,001.91   
Apr 2015: 36,607.49   
May 2015: 38,382.26   
Jun 2015: 42,838.00   
Jul 2015: 48,495.61   
Aug 2015: 46,205.22
Goal: FIRE by 2026
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FoundPeace

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Re: Race from 10 too 100k!!
« Reply #635 on: September 16, 2015, 09:43:59 AM »
Just got around to doing the calculations. Up another $1600.

So far for the year I'm at a 52% post tax and a 61% pre-tax savings rate. My effective tax rate so far this year is 15% (and that includes my ridiculous OR income taxes @ 7%)! This is the real win for me.

ohyonghao

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Re: Race from 10 too 100k!!
« Reply #636 on: September 17, 2015, 06:12:10 PM »
Just got around to doing the calculations. Up another $1600.

So far for the year I'm at a 52% post tax and a 61% pre-tax savings rate. My effective tax rate so far this year is 15% (and that includes my ridiculous OR income taxes @ 7%)! This is the real win for me.

You got me curious about my taxes too, looks like my effective tax rate will be about 15.5% before filing taxes and possibly still getting a refund, which would draw that number down further.  I was on track for 16% before I started shoveling more money into tax advantaged accounts.  My future taxrate for the year is coming in at a mere 14.1%.  That is also including the OR income taxes.  If you believe the "tax freedom day"* thing, I should celebrate this sometime between February 20th and February 27th.

*That's if we only count income taxes and SS for this purpose and don't complicate it with other taxes paid through utilities, vehicle registration, and property tax which would put me into possibly the first or second week of March.

Virtus

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Re: Race from 10 too 100k!!
« Reply #637 on: September 18, 2015, 10:37:48 AM »
*That's if we only count income taxes and SS for this purpose and don't complicate it with other taxes paid through utilities, vehicle registration, and property tax which would put me into possibly the first or second week of March.

Or complicate it by adding back the expected disbursements received from SS.

ranchingretirement

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Re: Race from 10 too 100k!!
« Reply #638 on: September 24, 2015, 09:05:39 PM »
I've read MMM for about a year now, but I'm new to the forums. I was recently promoted at work and my family and I are making a cross-country move as part of the transfer. My wife and I are 27, with no children and no student loan debt. We do carry a significant amount of CC debt (all at 0% with the use of balance transfer checks (2-3% per transaction)). We are currently trying to max out all tax-advantaged accounts (~50k/year, primary) while also paying down the CC debt (secondary). Our current goal is to reach $100k in net worth by June 2016 and $250k by her 30th birthday, with an eye towards FIRE sometime in our late 30s. We are also wanting to raise a family, but aren't planning on having children anytime in the next few years. Below is our net worth trajectory over the past 6 months:

March 2015: $36,337
April 2015: $38,120
May 2015: $42,347
June 2015: $47,346
July 2015: $56,109
August 2015: $59,985

Looking forward to hearing other stories as we all reach towards $100k!


September 2015: $59,189

Tough month in the stock market, and my wife is looking for work following our move. The march towards $100k may be stuck in the $60's for the next few months, but the goal is still June 2016.

FoundPeace

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Re: Race from 10 too 100k!!
« Reply #639 on: September 30, 2015, 04:45:32 PM »
Up to $65,513.33 thanks to a three paycheck month. We are now ready to get approved for a mortgage and will probably buy sometime during the next few months (I expect a down payment somewhere between $45k and $55k). After that point I'll have to do this again with investments only.

frogger

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Re: Race from 10 too 100k!!
« Reply #640 on: September 30, 2015, 05:48:04 PM »
Aug. 31, 2015: $15,350
Sep. 30, 2015: $12,500

I thought this month would be the end of backsliding (I'd have been up almost $200!), but extenuating circumstances has tied up about 3k in reserve cash, and until such time as it becomes available again I'm opting to leave it out of my NW calculations. Barring other circumstances, next month should actually go in the right direction. Still a lot better than this time last year.

FliXFantatier

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Re: Race from 10 too 100k!!
« Reply #641 on: October 01, 2015, 12:10:03 AM »
We should break 60k this month. :D

SpareChange

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Re: Race from 10 too 100k!!
« Reply #642 on: October 01, 2015, 12:18:07 AM »
Up ~$2,300. Chugging onward...through....market....headwinds...

mrteacher

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Re: Race from 10 too 100k!!
« Reply #643 on: October 01, 2015, 04:39:25 AM »
Broke $80k!!!

9/1: $78,487.07
10/1: $81,428.69

Tough month for the market, but my employer 5% match is kicking in, and they also fund 75% of my health deductible (works out to $1,200/year - so $100/month for that is the cherry on top!)

My goal is $100,000 by next summer, but I have a feeling I may be able to hit it by April/May...this depends in large part on how the market performs over the next 6-8 months.

Rodgers12

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Re: Race from 10 too 100k!!
« Reply #644 on: October 01, 2015, 06:18:06 AM »
Rough month of spending for me. Buddy of mine ended up selling me 5 of his Packer game tickets for face value so I couldn't pass those up. Ending up pushing me over my monthly budget by roughly $600. Still was able to save a tad over 50% of my take home so all in all it wasn't too bad of a month.

7/31/2015: $36,978
8/31/2015: $34,949
9/30/2015: $35,722

Pooperman

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Re: Race from 10 too 100k!!
« Reply #645 on: October 01, 2015, 06:24:59 AM »
Broke $40k :) $41,566.54

jezebel

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Re: Race from 10 too 100k!!
« Reply #646 on: October 01, 2015, 08:07:38 AM »
I just discovered this thread.  We recently broke $40K.

10/1: $40,249
« Last Edit: November 16, 2015, 08:10:02 AM by jezebel »

ash7962

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Re: Race from 10 too 100k!!
« Reply #647 on: October 01, 2015, 10:17:47 AM »
Investment accounts have been on the decline in the last two months.  Not a big deal, but makes me a little sad when I look at this thread.  This month I had planned on throwing some excess funds at investments but that got derailed by 1k in vet bills.  Got these kitties pre-MMM, and the vet bills make me wonder what I was thinking.  However, kitty is recovering and happy so that makes me happy. The cool thing is that I still didn't outspend my paycheck last month (thank you MMM), so this definitely falls under the "first world problem" umbrella for many reasons.

katthjul

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Re: Race from 10 too 100k!!
« Reply #648 on: October 01, 2015, 11:13:29 AM »
Joining as well. I was waiting for the new month only to almost miss it.

2015-08-31 9,999
2015-09-30 9,986

My savings in September was a only third of my target number due to moving.

Eristheunorganized

  • 5 O'Clock Shadow
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  • Posts: 85
Re: Race from 10 too 100k!!
« Reply #649 on: October 01, 2015, 11:20:12 PM »
Net worth went down $100. Ouch. $64,008