Author Topic: Race from 100 to 250k  (Read 391478 times)

apkanne

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Re: Race from 100 to 250k
« Reply #1300 on: October 13, 2017, 03:06:18 PM »
Happy October : )

9/15/17   $101,268
10/14/17   $106,265

Positives:
I got a roommate last month, she is really nice and paid me early on Paypal, didn't even have to ask.
Not included in this months, but I got a recognition award yesterday that comes with a cash bonus. Its the first time I've gotten one and It felt good to be singled out.

Negatives:
Apparently my eyes decided to get worse for the first time since 2013, just replaced the lenses since my frames work just fine.


me1

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Re: Race from 100 to 250k
« Reply #1301 on: October 17, 2017, 05:47:44 AM »
Column 1: investments (retirement + otherwise):
Column 2: total net worth (including investments, savings account and the paid off part of the house)

 7/17/17    $182,905   $301,487
 8/17/17    $184,943   $301,381
 9/17/17    $191,576   $308,692
10/17/17   $197,557   $314,090

liking this!

DarkandStormy

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Re: Race from 100 to 250k
« Reply #1302 on: October 17, 2017, 08:40:43 AM »
Column 2: total net worth (including investments, savings account and the paid off part of the house)

I'm assuming you are also including it net of any outstanding loan balance?

me1

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Re: Race from 100 to 250k
« Reply #1303 on: October 17, 2017, 09:49:47 AM »
Yup, i did what MMM does right in his net worth post
https://www.mrmoneymustache.com/2015/01/26/calculating-net-worth/

How much the house is worth - what's left over on the mortgage = how much we own of it, which is around a 100K.
And I tried to stay conservative and use how much we paid, instead of how much it's listed for on Zillow or how much I've seen houses on our street sell for, because that would be quite a bit more, but who knows how stable that is when/if we actually sell it, so I don't want to count on that.

rg422

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Re: Race from 100 to 250k
« Reply #1304 on: October 19, 2017, 11:16:05 AM »
First, congratulations to those have graduated the group!

AS for us....

4/5/17 - 101,800 (joined the 'group')
10/19/17 - 156,200

Thanks to the nice market gains and continued contributions, our NW (home equity not included) has steadily risen. Could we have done better? Sure. But we like our current balance of spending/saving.

Richard




BeautifulDay

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Re: Race from 100 to 250k
« Reply #1305 on: October 21, 2017, 11:02:18 AM »

Mar 2016     $28,361
Jun 2016     $40,970
Dec 2016     $80,499
Jan 2017     $87,257
Feb 2017     $93,080
Mar 2017     $99,766
Apr 2017     $97,334
May 2017     $100,755
Jun 2017     $102,562
Jul 2017     $107,420
Aug 2017     $107,530
Sep 2017     $112,554


Financially we are still stabilizing after purchasing a house in April.  I'm hoping we can start building wealth more quickly in the coming months. 

Off the Wheel

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Re: Race from 100 to 250k
« Reply #1306 on: October 21, 2017, 11:11:35 AM »
Jumping into this thread to track cash/investments only, NW has too much tied up in real estate in a crazy market.

October 2017: $152,468


Anon in Alaska

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Re: Race from 100 to 250k
« Reply #1307 on: October 22, 2017, 05:17:05 AM »
As of  10/20/17 - $101,938.61, maybe twice that with house, car, checking, etc. First post on this thread.

psinguine

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Re: Race from 100 to 250k
« Reply #1308 on: October 22, 2017, 01:30:24 PM »
I haven't clocked in here yet, even though it was suggested. As such:

Net Worth As Of Year Open

Assets

Property Value - $150,000
RPP - $2700
TFSA - $4500
RRSP - $850
Savings Accounts - $0
Chequing Accounts - $20

Liabilities

Mortgage - $20,000
Credit Cards - $7000
CIBC Loan - $4500
Desjardins Loan - $10,000
Income Tax Owing - $1570

Net Worth - $115,000

Net Worth At Year End

Assets

Primary Residence Value - $150,000
Secondary Property Value - $55,000
RPP - $3500
TFSA - $150
RRSP - $900
Pension - $2000
Savings Accounts - $4750
Chequing Accounts - $10,550

Liabilities

Primary Mortgage - $17,900
Secondary Mortgage - $47,950
... and that's it.

Updated Net Worth - $161,000


A year and a half later here comes an update. I'm also going to really streamline this.

Assets

Primary Residence Value - $150,000 (I'm leaving this alone)
Commercial Property Value - $55,000 (Leaving this alone as well)
Latest Property Acquisition - $15,000 (I will be leaving this value locked in here too)
Retirement Assets - $14,125
Cash Assets - $49,250

Liabilities

Primary Mortgage - $7,450
Secondary Mortgage - $41,250
... and that's it.

Updated Net Worth - $234,675

For a total upward movement of $73,675. If all goes well we may graduate from this race before the year is out!

Well, I was going to wait for the end of the year for this. But I guess there's no point in waiting.

Assets

Primary Residence Value - $150,000
Commercial Property Value - $55,000
Latest Property Acquisition - $15,000
Retirement Assets - $17,350
Cash Assets - $46,800
Vehicular Assets - $15,200 (decided to add this for more accurate true net worth tracking)

Liabilities

Primary Mortgage - $6,400
Secondary Mortgage - $40,000
... and that's it.

Updated Net Worth - $252,950

Which would bump me up over the quarter million mark... but I'm not sure. As you can see, not much has really changed beyond including the value of my fleet. I paid down the mortgages, added a little to retirement... I'm not sure. I'm not really feeling like I've truly "made it" yet.

I think I'll be back at the end of the year, once we get all those end of year pension statements and such. Maybe then it will feel more real to me.

ontheheel

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Re: Race from 100 to 250k
« Reply #1309 on: October 24, 2017, 10:36:55 AM »
Jumping in (totals are end of month totals):

July 2017 - $109,034
August 2017 - $116,145
September 2017 - $119,725

Snapshot in time, I'm looking at the following:
Liabilities:
$23k remaining on my wife's student loan
$81k remaining on investment property mortgage

Assets:
$27k equities (TSP, tIRA, ROTH IRA, Brokerage)
$11k cash
$188k rental property

Nairobi

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Re: Race from 100 to 250k
« Reply #1310 on: October 24, 2017, 11:16:31 PM »
Jan  2017     $45K
Feb  2017     $62k
March  17     $69k
April 2017     $77k (frugal month)
May  2017     $83k
June 2017     $93k (3 paychecks month)
July 2017      $101.1k (frugal month and the market helped a little bit).
Aug 2017      $105k
Sep 2017      $115k (decent amount of overtime)
Oct  2017      $122k (will close on a house soon).

dignam

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Re: Race from 100 to 250k
« Reply #1311 on: October 27, 2017, 06:24:15 AM »
Jun 2017 $112k
Jul 2017 $115k
Aug 2017 $111k [sold house and paid off student loans]
Sep 2017 $117k
Oct 2017 $121k

« Last Edit: November 27, 2017, 08:24:30 AM by dignam »

pharmmm

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Re: Race from 100 to 250k
« Reply #1312 on: October 27, 2017, 10:44:53 AM »
Dates   Net
Apr 2014   -$354,317
May 2014   -$361,412
Jun 2014   -$355,592
Jul 2014   -$319,804
Aug 2014   -$310,303
Sep 2014   -$313,788
Oct 2014   -$329,320
Nov 2014   -$291,635
Dec 2014   -$272,379
Jan 2015   -$260,340
Feb 2015   -$242,880
Mar 2015   -$231,235
Apr 2015   -$224,052
May 2015   -$214,501
Jun 2015   -$205,767
Jul 2015   -$192,523
Aug 2015   -$189,961
Sep 2015   -$187,217
Oct 2015   -$172,792
Nov 2015   -$164,252
Dec 2015   -$142,285
Jan 2016   -$143,122
Feb 2016   -$133,115
Mar 2016   -$115,465
Apr 2016   -$103,522
May 2016   -$88,348
Jun 2016   -$83,094
Jul 2016   -$73,205
Aug 2016   -$66,989
Sep 2016   -$45,695
Oct 2016   -$40,366
Nov 2016   -$21,301
Dec 2016   -$9,590
Jan 2017   -$2,417
Feb 2017   $7,713
Mar 2017   $12,001
Apr 2017   $23,711
May 2017   $28,278
Jun 2017   $41,666
Jul 2017   $65,434
Aug 2017   $88,637
Sep 2017   $116,511
Oct 2017   $134,174



I need to join in. We just had a baby and will be starting daycare soon at 1k/month. Want to stay accountable.

solon

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Re: Race from 100 to 250k
« Reply #1313 on: October 27, 2017, 11:05:16 AM »
Dates   Net
Apr 2014   -$354,317
May 2014   -$361,412
Jun 2014   -$355,592
Jul 2014   -$319,804
Aug 2014   -$310,303
Sep 2014   -$313,788
Oct 2014   -$329,320
Nov 2014   -$291,635
Dec 2014   -$272,379
Jan 2015   -$260,340
Feb 2015   -$242,880
Mar 2015   -$231,235
Apr 2015   -$224,052
May 2015   -$214,501
Jun 2015   -$205,767
Jul 2015   -$192,523
Aug 2015   -$189,961
Sep 2015   -$187,217
Oct 2015   -$172,792
Nov 2015   -$164,252
Dec 2015   -$142,285
Jan 2016   -$143,122
Feb 2016   -$133,115
Mar 2016   -$115,465
Apr 2016   -$103,522
May 2016   -$88,348
Jun 2016   -$83,094
Jul 2016   -$73,205
Aug 2016   -$66,989
Sep 2016   -$45,695
Oct 2016   -$40,366
Nov 2016   -$21,301
Dec 2016   -$9,590
Jan 2017   -$2,417
Feb 2017   $7,713
Mar 2017   $12,001
Apr 2017   $23,711
May 2017   $28,278
Jun 2017   $41,666
Jul 2017   $65,434
Aug 2017   $88,637
Sep 2017   $116,511
Oct 2017   $134,174



I need to join in. We just had a baby and will be starting daycare soon at 1k/month. Want to stay accountable.

That's a HUGE swing for 3.5 years! Way to rock it!

Milkm4n

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Re: Race from 100 to 250k
« Reply #1314 on: October 28, 2017, 05:42:26 AM »
Count me in!!! Just graduated from the race to 100k. Started that race halfway through, but took me approx 10 months, with an average monthly increase of $5500. My growth was mainly driven by large amounts of overtime at work, so that pace may not be completely sustainable. However, I'll try to maintain that pace, and hopefully market gains will help along the way :). Goal for this race is Jan 2020

SpareChange

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Re: Race from 100 to 250k
« Reply #1315 on: October 28, 2017, 08:14:37 AM »
Count me in!!! Just graduated from the race to 100k. Started that race halfway through, but took me approx 10 months, with an average monthly increase of $5500. My growth was mainly driven by large amounts of overtime at work, so that pace may not be completely sustainable. However, I'll try to maintain that pace, and hopefully market gains will help along the way :). Goal for this race is Jan 2020

Welcome! Overtime is awesome when it comes around lol.

Pooperman

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Re: Race from 100 to 250k
« Reply #1316 on: October 30, 2017, 08:53:20 AM »
DateNet WorthTotal GainsSavedMarket GainsSaving Rate
5/31/2017$101,344.65+$2,422.39+$1,478.82+$943.57+23%
6/30/2017$100,060.05-$1,284.60-$1,601.89+$317.29-26%
7/31/2017$103,868.70+$3,808.65+$2,550.76+$1,257.89+39%
8/31/2017$104,537.62+$668.92+$1,100.88-$431.96+14%
9/30/2017$107,892.53+$3,354.91+$2,288.37+$1,066.54+33%
10/31/2017$110,221.54+$2,329.01+$1,193.40+$1,135.61+30%
« Last Edit: October 31, 2017, 07:01:26 AM by Pooperman »

JLee

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Re: Race from 100 to 250k
« Reply #1317 on: October 30, 2017, 01:50:21 PM »
Today I realized that Mint had been counting a closed Vanguard account, quite possibly since I started tracking net worth...fixed. I'm not as close to the 250-500k thread as I thought. :(

Code: [Select]
Aug-15 $233,686.18 ($143,484.78) $90,201.40
Sep-15 $234,709.60 ($159,507.25) $75,202.35
Oct-15 $251,505.91 ($151,064.75) $100,441.16
Nov-15 $256,150.41 ($150,368.41) $105,782.00
Dec-15 $256,793.88 ($148,613.59) $108,180.29
Code: [Select]
Jan-16 $257,747.08 ($148,222.89) $109,524.19
Feb-16 $264,403.34 ($145,555.38) $118,847.96
Mar-16 $277,075.17 ($145,803.30) $131,271.87
Apr-16 $281,657.33 ($145,223.65) $136,433.68
May-16 $287,168.84 ($144,314.68) $142,854.16
Jun-16 $282,813.69 ($130,027.21) $152,786.48
Jul-16 $285,283.99 ($129,034.70) $156,249.29
Aug-16 $288,733.25 ($127,309.21) $161,424.04
Sep-16 $289,322.97 ($124,141.38) $165,181.59
Oct-16 $289,140.34 ($123,292.88) $165,847.46
Nov-16 $302,007.70 ($130,935.47) $171,072.23
Dec-16 $309,626.21 ($130,895.49) $178,730.72
Code: [Select]
Jan-17 $314,713.69 ($130,035.00) $184,678.69
Feb-17 $327,951.78 ($128,715.39) $199,236.39
Mar-17 $328,286.54 ($129,982.99) $198,303.55
Apr-17 $333,977.77 ($128,606.57) $205,371.20
May-17 $337,720.11 ($129,348.71) $208,371.40
Jun-17 $342,742.38 ($128,592.10) $214,150.28
Jul-17 $347,481.36 ($127,870.84) $219,610.52
Aug-17 $348,216.94 ($126,596.18) $221,620.76
Sep-17 $353,629.36 ($125,188.86) $228,440.50
Oct-17 $361,047.93 ($128,930.27) $232,117.66
« Last Edit: October 30, 2017, 02:55:42 PM by JLee »

AcftW

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Re: Race from 100 to 250k
« Reply #1318 on: October 30, 2017, 11:43:56 PM »
Hey there, just graduated from the 100k thread. 

$43,153 - Jan 2015
$67,328 - Jan 2016
$103,372 - Nov 2017

Glad to have a new challenge!


jerryricefumbled

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Re: Race from 100 to 250k
« Reply #1319 on: October 31, 2017, 06:12:41 AM »
4/28/17 $82,123.14 start of competition
5/31/17 $83,416.85 an increase of $1,293.71
6/30/17 $88,646.63 an increase of $5,229.78
7/31/17 $97,939.57 an increase of $9,292.94
8/31/17 $98,975.02 an increase of $1,034.45
9/29/17 $101,431.60 an increase of $2,456.58
10/31/17 $105,330.40 an increase of $3,898.80

A surprisingly great month for me.  I had a small unexpected windfall of $700 due to tax over payment which just went directly into my cash reserves.  Market increase did the rest.  Next month I start house hacking and will pick up an additional $350 by getting a roommate.

Lews Therin

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Re: Race from 100 to 250k
« Reply #1320 on: October 31, 2017, 06:17:56 AM »
Oct/16 77000
Nov/16 82700
Dec/16 93200
Jan/17  103,720
Feb/17 119,800
Mar/17 127,400
Apr/17 140,376
May/17 148,000
Posted to Ottawa, made tracking impossible due to having to pay things that would all be repaid in October)
Nov/17 174,000  (And still awaiting 5k from the military!)

Moved to Ottawa in August, and no longer deployed overseas, so the money has stopped fire hosing it's way into my accounts.
Best news of it all though, with the move I was able to deploy 45k from the previous mortgage into the stock market.
« Last Edit: November 01, 2017, 05:26:14 AM by Canadian Ben »

hudsoncat

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Re: Race from 100 to 250k
« Reply #1321 on: October 31, 2017, 07:55:55 AM »
31-Oct-16: $121,639
30-Nov-16: $128,335
31-Dec-16: $134,179
31-Jan-17: $140,623
28-Feb-17: $148,087
31-Mar-17: $153,745
30-Jun-17: $171,538
31-Jul-17: $179,124
31-Aug-17: $180,682
30-Sep-17: $192,217
31-Oct-17: $199,128

Investment accounts increased by $77,489 in the year since I have been tracking! I don't imagine the market gains I've enjoyed this past year will continue on this pace, but we have steadily increased our contributions and hope to continue to over the next year as well as we find opportunities.

tarheeldan

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Re: Race from 100 to 250k
« Reply #1322 on: October 31, 2017, 08:01:46 AM »
Dates   Net
Apr 2014   -$354,317
...
Feb 2017   $7,713
...
Oct 2017   $134,174



I need to join in. We just had a baby and will be starting daycare soon at 1k/month. Want to stay accountable.

Holy crap. That is awesome.

tarheeldan

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Re: Race from 100 to 250k
« Reply #1323 on: October 31, 2017, 08:02:48 AM »
Count me in!!! Just graduated from the race to 100k. Started that race halfway through, but took me approx 10 months, with an average monthly increase of $5500. My growth was mainly driven by large amounts of overtime at work, so that pace may not be completely sustainable. However, I'll try to maintain that pace, and hopefully market gains will help along the way :). Goal for this race is Jan 2020

Welcome!!

tarheeldan

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Re: Race from 100 to 250k
« Reply #1324 on: October 31, 2017, 08:04:33 AM »
Hey there, just graduated from the 100k thread. 

$43,153 - Jan 2015
$67,328 - Jan 2016
$103,372 - Nov 2017

Glad to have a new challenge!

Welcome!!

We have a tracking spreadsheet here too, btw:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=1302523503

wonkette

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Re: Race from 100 to 250k
« Reply #1325 on: October 31, 2017, 11:48:45 AM »
Joining this thread bc as I shift from one big goal (killing student loans over 5% interest) to balancing multiple goals (saving for downpayment, increasing tax deferred contributions, paying off the last of the student loans) I think it will be good to keep an eye on the big net worth picture.

10/31: 131,132

mrteacher

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Re: Race from 100 to 250k
« Reply #1326 on: October 31, 2017, 01:55:20 PM »
4/1/16: $100,869
5/1/16: $104,268
6/1/16: $107,087
7/1/16: $112,489
8/1/16: $118,328
9/1/16: $120,838
10/1/16: $124,626
11/1/16: $126,949
12/1/16: $132,846
1/1/17: $141,336
2/1/17: $145,890
3/1/17: $152,308
4/1/17: $155,552
5/1/17: $160,430
6/1/17: $165,384
7/1/17: $174,224
8/1/17: $175,435
9/1/17: $220,249
10/1/17: $228,472

11/1/17: $237,860


SeattleStache

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Re: Race from 100 to 250k
« Reply #1327 on: October 31, 2017, 03:34:14 PM »
Retirement only, does not include real estate or emergency savings:

January 2015: $98,619

January 2016: $101,235
December 2016: $140,779 (total NW $269,089)

January 2017: $151,307 (total NW $276,052)
February 2017: $156,620 (total NW $285,663)
March 2017: $161,585 (total NW $302,055)
April 2017: $166,111 (total NW $306,801)
May 2017: $169,686 (total NW $327,523)
June 2017: $171,784 (total NW $335,026)
July 2017: $175,590 (total NW $342,138)
August 2017: $176,250 (total NW $347,833) Glad to see a small increase despite an unexpected $3,000 emergency special assessment this month for my rental condo.
September 2017: $180,271 (total NW $349,265)
October 2017: $185,318 (total NW $350,236) some adjustment in the condo estimate affected total NW this month

I know the total NW is over $250k but I'm focused on retirement only for this challenge. A good chunk of the NW is real estate equity.

Cornel_Westside

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Re: Race from 100 to 250k
« Reply #1328 on: October 31, 2017, 05:34:50 PM »
03/2017 - $130,500
04/2017 - $133,780 (+3280 - Saved $2500, Market Gains $780, Savings Ratio 48.2%)
05/2017 - $138,157 (+4377 - Saved $2835, Market Gains $1542, Savings Ratio 54.4%)
06/2017 - $144,144 (+5987 - Saved $3265, Market Gains $2731, Savings Ratio 61.9%)
07/2017 - $147,452 (+3308 - Saved $2039, Market Gains $1269, Savings Ratio 39.1%)
08/2017 - $152,993 (+5541 - Saved $2961, Market Gains $2580, Savings Ratio 54.3%)
09/2017 - $155,863 (+2870 - Saved $2838, Market Gains $32, Savings Ratio 52%)
10/2017 - $162,673 (+6810 - Saved $2999, Market Gains $3811, Savings Ratio 54.9%)
11/2017 - $168,673 (+6000 - Saved $2775, Market Gains $3225, Savings Ratio 50.8%)

Poor month that I intended to be a good one. Lots of celebrations I didn't expect to cost as much as they did (weddings, dinners, trips). Next month should be good except for Christmas presents, which for my family aren't too expensive.

AcftW

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Re: Race from 100 to 250k
« Reply #1329 on: October 31, 2017, 09:27:32 PM »
Hey there, just graduated from the 100k thread. 

$43,153 - Jan 2015
$67,328 - Jan 2016
$103,372 - Nov 2017

Glad to have a new challenge!

Welcome!!

We have a tracking spreadsheet here too, btw:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=1302523503

Awesome, thank you for pointing that out.

SpareChange

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Re: Race from 100 to 250k
« Reply #1330 on: October 31, 2017, 11:25:19 PM »
Hey there, just graduated from the 100k thread. 

$43,153 - Jan 2015
$67,328 - Jan 2016
$103,372 - Nov 2017

Glad to have a new challenge!

Climb aboard! Glad you made it!

SpareChange

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Re: Race from 100 to 250k
« Reply #1331 on: October 31, 2017, 11:55:00 PM »
$211,023.90, up $5,618.12.

Higher than usual expenses...birthday present for best friend, new smartphone to replace my Nexus 4, and prepaid for a year's worth of mobile service.

Received my annual raise...the usual 3% we all get.

I logged into my 403(b) account and happened to notice that they have added a new 457(b) option on top of it. Will start payroll deductions on the next check ;). Should still be able to shovel enough in there to get me out of the IRA phaseout range. Sweet. 

Pooplips

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Re: Race from 100 to 250k
« Reply #1332 on: November 01, 2017, 05:12:39 AM »
1/31/16 - $101,376.00
3/1/2016 - $102,990.00
4/1/2016 - $116,749.00
5/1/2016 - $119,487.00
6/1/2016 - $126,469.00
7/1/2016 - $130,494.00
8/1/2016 - $137,029.00
9/1/2016 - $137,784.00
10/1/2016 - $138,994.00
11/1/2016 - $142,793.00
12/1/2016 - $145,877.00
1/1/2016 - $153,860.00
2/1/2017 - $160,572.00
3/1/2017 - $166,884.00
4/1/2017 - $178,162.00
5/1/2017 - $181,246.00
6/1/2017 - $185,933.00
7/1/2017 - $188,383.00
8/1/2017 - $194,921.00
9/1/2017 - $198,680.00
10/1/2017 - $200,900.00

11/1/2017 - $205,957.00

Raenia

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Re: Race from 100 to 250k
« Reply #1333 on: November 01, 2017, 05:26:14 AM »
04/2017 - 114,128.11
05/2017 - 123,935.63
06/2017 - 127,228.98
07/2017 - 128,638.92
08/2017 - 133,202.60
09/2017 - 135,706.79
10/2017 - 141,346.00


11/2017 - 146,788.93

On track to hit 150k next month, market willing!

DarkandStormy

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Re: Race from 100 to 250k
« Reply #1334 on: November 01, 2017, 06:55:18 AM »
NW // Inv. Assets

5/1/17 - $115,775  //  $92,843
6/1/17 - $132,067  //  $96,095
7/1/17 - $134,078  //  $96,404
8/1/17 - $142,711  //  $100,068
9/1/17 - $144,009 // $102,800
10/1/17 - $146,185 // $106,104
11/1/17 - $151,793 // $111,791

Imustacheyouaquestion

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Re: Race from 100 to 250k
« Reply #1335 on: November 01, 2017, 06:56:39 AM »
Aug 2016      $104,410.00
Sept 2016    $106,084.00   
Oct 2016       $107,559.00
Nov 2016      $103,227.00
Dec 2016      $107,460.00
Jan 2017       $111,400.00
Feb 2017       $145,239.58
Mar 2017       $154,141.21
Apr 2017        $160,150.58
May 2017       $156,334.39
June 2017      $162,557.18
July 2017       $170,357.32
August 2017   $174,107.52
Oct 2017        $184,884.82
Nov 2017      $198,945.16

Looks like it was a good month for our investment accounts!

Expenses were pretty much on track this month. I had to pay a $500 car deductible this month for an accident (oops!) and it raised our car insurance rates about 65% (yikes). Shopped around but ultimately couldn't get a better rate for auto + home, so it looks like we're stuck with the higher premiums until the accident falls off my record. I also tried to refinance some of my wife's student loans, but couldn't get a better rate than the 3.75% fixed we're currently paying.

We went to the last of 4 weddings this year - hoping next year is quieter on that front.

Holding onto a bit of a cash buffer in our accounts until we decide what to do - it will either go to home renovations, solar panels (! - need to get quotes), or maybe an investment property.   

Still targeting $250k by July 2018.

Google doc link: https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0

Rodgers12

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Re: Race from 100 to 250k
« Reply #1336 on: November 01, 2017, 08:12:08 AM »
05/31/2017: $101,116
06/30/2017: $105,800
07/31/2017: $108,102
08/31/2017: $109,173
09/30/2017: $112,641
10/31/2017: $114,947

CorpRaider

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Re: Race from 100 to 250k
« Reply #1337 on: November 01, 2017, 08:31:19 AM »
Marketable securities: 

12/15 ~    $81,000
12/16 ~  $109,000
01/17 ~  $116,000
02/17 ~  $122,000
03/17 ~  $125,000
04/17 ~  $130,000
05/17 ~  $130,000
06/17 ~  $134,000
07/17 ~  $138,000
08/17 ~  $142,000
09/17 ~  $148,000
10/17 ~  $151,000

RE equity adds like another $100K, but I'm staying in this thread and tracking liquid invested assets as I don't plan to access that purported RE equity anytime soon.
« Last Edit: November 01, 2017, 08:43:59 AM by CorpRaider »

afuera

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Re: Race from 100 to 250k
« Reply #1338 on: November 01, 2017, 08:38:02 AM »

1/1/2017: INV-$107,733.74     NW-$188,244.05
2/1/2017: INV-$117,155.67     NW-$199,327.18
3/1/2017: INV-$130,755.36     NW-$209,268.66
4/1/2017: INV-$150,924.22     NW-$231,298.12
5/1/2017: INV-$161,757.38     NW-$240,471.22
6/1/2017: INV-$171,173.97     NW-$248,728.12
7/1/2017: INV-$191,558.47     NW-$269,949.18
8/1/2017: INV-$210,017.87     NW-$288,580.05
9/1/2017: INV-$220,293.40     NW-$234,445.40
10/1/2017: INV-$231,800.69    NW-$251,185.62

11/1/2017: INV-$242,953.93    NW-$250,846.10

Gave the contractor a $15K check which will eventually be reimbursed by insurance which accounts for the flat NW.  Again, we only saved $6,500 so the market made up the difference in investment growth.  For perspective, my 401K alone earned about $2K this month.  Crazy.
If the trend continues, we should be graduated from this thread next month!

marcela

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Re: Race from 100 to 250k
« Reply #1339 on: November 01, 2017, 09:05:55 AM »
Background on net worth: No kids, 1 dog (he's a very good boy), we rent.

08/2013: $9,216- had been making 18k, got a job making 27k
02/2014: $14,413- new job in December making 38k
08/2014: $17,890
02/2015: $34,041
08/2015: $58,584 - new job in May making 55k
02/2016: $77,264
09/2016: $96,145

10/31/2016: $101,606      (+$2,334)
11/17/2016: $103,940      (+$2,334)
12/30/2916: $109,785.19 (+$5,845.19)
1/31/2017: $112,318.74   (+$2,533.55)
2/28/2017: $119,499.39   (+$7,180.65)
3/31/2017: $124,640.83   (+$5,141.44)
4/30/2017: $109,329.00   (-$15,311.83)
5/31/2017: $108,986.53   (-$342.47)
6/30/2017: $114,809.37   (+$5,822.84) Husband started working making 75k
7/31/2017: $118,822.63   (+$4,013.26)
8/31/2017: $127,150.06   (+$8,327.43)
9/29/2017: $137,371.91   (+$10,221.85)
10/31/2017: $131,182.62  (-$6,189.29)

So we are in the process of buying a house and the 5% deposit ate up a lot of gains this month. We've also started buying furniture/ appliances and I have around $2k in outstanding work reimbursements waiting for me. It's hard when you save up money for something and get used to the boost being there and then it comes time to actually spend it. We are trying our best to keep costs low during this house buying/moving process but after living in a furnished apartment for 4.5 years, we don't really own furniture and will be getting a lot of stuff new (to us). We close in 2 weeks and that's when the rest of the down payment comes due so we'll be sliding even farther back.

Mustachio Bashio

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Re: Race from 100 to 250k
« Reply #1340 on: November 01, 2017, 09:19:49 AM »
Feb 1st - 167,752
Mar 1st - 177,448
Apr 1st - 183,917
May 1st - 189,025
June 1st - 195,189
July 1st - 202,048
Aug 1st - 211,263
Sept 1st - 215,880
Oct 1st - 222,924
Nov 1st - 230,962

Bought my first cryptocurrency (though just starting with a small amount, more for fun and to get myself to look into it more), so excited to see how that goes.

BiggerFishToFI

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Re: Race from 100 to 250k
« Reply #1341 on: November 01, 2017, 09:28:41 AM »
              Invested       NW
1/31/2017:  $55,715     $115,306
2/28/2017:  $57,750     $122,296
3/31/2017:  $58,109     $118,381
4/30/2017:  $58,207     $117,249   <<-----------Discovered MMM!
5/31/2017:  $69,706     $125,027
6/30/2017:  $82,626     $132,130
7/31/2017:  $89,755     $177,201
8/31/2017:  $95,620     $183,831
9/30/2017:  $100,062   $184,858   <<-----------100k invested!
10/31/2017:$106,436   $193,830

Check2400

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Re: Race from 100 to 250k
« Reply #1342 on: November 01, 2017, 11:13:22 AM »
Jan. 1, 2017 - 103,000
Feb. 1, 2017 - 106,500
Mar. 1 2017  - 102,500
Apr. 1  2017 -  110,000
May 1  2017 -  112,500
June 1 2017 -  113,500
July  1 2017 -  120,500
Aug. 1 2017 -  131,000
Sept. 1 2017-  131,000
Oct.  1  2017-  131,500
Nov. 1  2017 - 135,000

After a three month stagnation it is a relief to see some growth again.  Looking forward to posting in 2018, I'll be disappointed if I don't break 150,000 with my EOY disbursement, and hope to crack $160,000 if I'm lucky.  Regardless, if I get to $153,000 I'll have kind of met my savings goal for the year of $50,000, since much of that came from gains instead of savings.  :/


Imustacheyouaquestion

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Re: Race from 100 to 250k
« Reply #1343 on: November 01, 2017, 11:22:18 AM »
We are trying our best to keep costs low during this house buying/moving process but after living in a furnished apartment for 4.5 years, we don't really own furniture and will be getting a lot of stuff new (to us). We close in 2 weeks and that's when the rest of the down payment comes due so we'll be sliding even farther back.

Congrats on the house! Unless you want to specifically exclude home equity in your NW calculations, you could track the 5% (and the rest of the downpayment) and your equity in the house as it grows.

We bought a house in May and it was definitely painful how expensive that month was, between paying for inspections, closing costs, movers, etc. We also suddenly had way more space to furnish, but my advice is to buy furniture slowly rather than all at once if you can. We ran into a bunch of unexpected little expenses up front, like needing a lawnmower and blinds and bottles of hand soap for all the bathrooms, etc. Also, living in the house for a while may change your perspective on exactly what furniture you want for each room.

moonpalace

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Re: Race from 100 to 250k
« Reply #1344 on: November 01, 2017, 11:25:19 AM »
01/2017:  $42,000
02/2017:  $51,000
03/2017:  $57,500
04/2017:  $62,500
05/2017:  $71,546
06/2017:  $80,500
07/2017:  $88,597
08/2017:  $97,618
09/2017:  $106,055
10/2017:  $111,242 (big tax bill, new tires, still a decent month!)
11/2017:  $120,141

marcela

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Re: Race from 100 to 250k
« Reply #1345 on: November 01, 2017, 11:42:26 AM »
We are trying our best to keep costs low during this house buying/moving process but after living in a furnished apartment for 4.5 years, we don't really own furniture and will be getting a lot of stuff new (to us). We close in 2 weeks and that's when the rest of the down payment comes due so we'll be sliding even farther back.

Congrats on the house! Unless you want to specifically exclude home equity in your NW calculations, you could track the 5% (and the rest of the downpayment) and your equity in the house as it grows.

We bought a house in May and it was definitely painful how expensive that month was, between paying for inspections, closing costs, movers, etc. We also suddenly had way more space to furnish, but my advice is to buy furniture slowly rather than all at once if you can. We ran into a bunch of unexpected little expenses up front, like needing a lawnmower and blinds and bottles of hand soap for all the bathrooms, etc. Also, living in the house for a while may change your perspective on exactly what furniture you want for each room.

Thank you! I'm still figuring out how I want to include the house in my calculations, according to the appraisal we just got yesterday the house is worth $11k more than we paid for it, but that seems completely meaningless. Is it fair to track equity without also tracking the enormous debt we just took on? Things to ponder.

As far as furniture goes, so far we've bought a bed, night stands and a dresser. A dining room table and sleeper sofa are being gifted to us by my family (Gramps wanted something decent for him to sleep on when he visits next month so he's buying it). We live in a college town so I'm hoping to scoop up some good stuff when a bunch of students graduate and move next month. Slow is definitely the name of the game here.

Imustacheyouaquestion

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Re: Race from 100 to 250k
« Reply #1346 on: November 01, 2017, 11:49:23 AM »
I include home equity in my NW calculation as appraisal price minus outstanding mortgage debt (roughly what I think I'd walk away with if I sold the house tomorrow, minus selling costs).

I just like being able to include the small fraction of my mortgage payment that's going towards principal in my increase each month :) And I expect our neighborhood to appreciate in the coming years, so I want to track how that value grows.

But some people specifically exclude it from net worth tracking since it's not a liquid asset and there's no such thing as actually being able to sell your house tomorrow for cash.

Jaayse

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Re: Race from 100 to 250k
« Reply #1347 on: November 01, 2017, 11:51:54 AM »
Investments only for me:

April 1, 2017 - 164,900
May 1, 2017 -  ? (Lost info due to computer dying)
June 1, 2017 - ? (Lost info due to computer dying)
July 1, 2017 -  180,808
August 10, 2017 - 189,280
September 1, 2017 - 193,727
October 1, 2017 - 209,968
November 1, 2017 - 220,602

Yet another good month, I always look forward to calculating this up!
« Last Edit: November 01, 2017, 11:59:31 AM by Jaayse »

Haselbacher

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Re: Race from 100 to 250k
« Reply #1348 on: November 01, 2017, 12:05:23 PM »
I am also in. All investments combined.
Projected graduation date: July 2021. Let’ go!

Jan 2017 - 104.349,70 €
Feb 2017 - 107.347,94 €
Mar 2017 - 109.555,88 €
Apr 2017 - 114.946,86 €
May 2017 - 116.421,26 €
July 2017 - 117.381,18 €
Aug 2017 - 115.849,52€
Sep 2017 - 117.516,98€

Oct 2017 - 124.317,58 €
Nov 2017 - 126.300,10 €


Pooperman

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Re: Race from 100 to 250k
« Reply #1349 on: November 01, 2017, 01:16:13 PM »
I include home equity in my NW calculation as appraisal price minus outstanding mortgage debt (roughly what I think I'd walk away with if I sold the house tomorrow, minus selling costs).

I just like being able to include the small fraction of my mortgage payment that's going towards principal in my increase each month :) And I expect our neighborhood to appreciate in the coming years, so I want to track how that value grows.

But some people specifically exclude it from net worth tracking since it's not a liquid asset and there's no such thing as actually being able to sell your house tomorrow for cash.

I include the current value (and mortgage) into my NW because it's net worth rather than net investments or net liquid or whatever else. That means I also include the value of my car, too. I don't count clothing, collectibles, etc, because they are just too hard to value month-to-month. If it were easier, I'd include them as well.