Author Topic: Race from 100 to 250k  (Read 339070 times)

lampstache

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Re: Race from 100 to 250k
« Reply #950 on: May 08, 2017, 09:12:25 AM »
I include all major assets such as house, cars, and investments and exclude all other household items like jewelry, furniture, clothing, etc. I subtract all debt such as the mortgage, student loans, and other debt from the assets to calculate net worth. I exclude household items because I like to be conservative and trying to figure out the price of all of them would be too tedious and time consuming.

Personal Capital is able to calculate my net worth using that criteria so that's how I do it at any given time. I also have a spreadsheet where I manually track this and other financials but Personal Capital is my first stop.

Thanks for sharing @AK.

Mazzinator

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Re: Race from 100 to 250k
« Reply #951 on: May 09, 2017, 08:25:39 AM »

Does not include real estate.

5/3/16 - $100,825
6/3/16 - $104,923
7/6/16 - $106,848
8/3/16 - $116,321
9/5/16 = $127,594
10/4/16 = $134,384
11/1/16 = $136,144
12/6/16 = $146,890

1/2/17 = $156,358
2/3/17 = $167,434
3/3/17 = $181,696
4/4/17 = $158,601 hubs bought a car
5/4/17 = $165,972

Tris Prior

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Re: Race from 100 to 250k
« Reply #952 on: May 10, 2017, 08:46:17 AM »
May update:

401k:  $101,766.10 (hooray, this finally cracked 6 figures for the first time ever!!)
Roth: $53,303.04
E-fund: $10,947.33       

Total: 166,016.47
Total 1 month ago:  160,545.92

Increase: 5,470.55

Pooperman

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Re: Race from 100 to 250k
« Reply #953 on: May 13, 2017, 09:45:29 AM »
5/15/2017$100,200.00

Joining finally after graduating the 10k-100k thread.

SpareChange

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Re: Race from 100 to 250k
« Reply #954 on: May 14, 2017, 10:23:33 AM »
5/15/2017$100,200.00

Joining finally after graduating the 10k-100k thread.

Welcome!!

Pizzabrewer

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Re: Race from 100 to 250k
« Reply #955 on: May 14, 2017, 10:29:05 AM »
5/15/2017$100,200.00

Joining finally after graduating the 10k-100k thread.

Ain't progress great?  Congrats!

Pooperman

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Re: Race from 100 to 250k
« Reply #956 on: May 14, 2017, 01:50:49 PM »
Ain't progress great?  Congrats!

Welcome!!

Thanks! 10k-100k took 34 months (33 of which are recorded in my journal, surprisingly). Probably similar for 100k-250k, I'd imagine.

Mazzinator

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Re: Race from 100 to 250k
« Reply #957 on: May 14, 2017, 06:49:55 PM »
5/15/2017$100,200.00

Joining finally after graduating the 10k-100k thread.

POOP!!! You made it!! Yay! So happy to see you in here.

Nick_Miller

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Re: Race from 100 to 250k
« Reply #958 on: May 15, 2017, 07:01:11 PM »
Jan 2016     $80,165.78
Feb 2016     $88,372.39
March 2016 $101,768.81
April 2016   $106,876.35
May 2016    $106,529.21
June 2016   $109,892.28
July 2016   $115,035.02
Aug 2016   $125,235.44
Sept 2016  $126,076.92
Oct 2016    $129,441.04
Nov 2016   $135,152.36
Dec 2016   $138,352.17
Jan 2017    $147,729.69
Feb 2017    $150,339.59
Mar 2017    $140,835.79
April 2017   $140,805.57
May 2017 $149,690.19

Killed it this month! Tossed a few grand in investments and whittled down about $2,000 in debt. We should easily sail past the $150K NW mark next month, even with a June vacation, because it's 75% paid for. A few more months like this one make $200K by year's end doable.

TryingtoFIREinLAnow

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Re: Race from 100 to 250k
« Reply #959 on: May 16, 2017, 08:10:54 AM »
JOINING!
-----------Found MMM mid 2015 - read all the articles chronologically -
-----------Finished MMM articles mid 2016 - started in on all the links and found the forum  -
BUT:
Despite wishing there was a place to discuss, compare, watch the 'staches grow and egg each other on, didn't find the race threads until just yesterday - so I dutifully read through the 10k race thread last night and the posts for first few rounds of the 100kto250k, and thought today would be a good day to jump in as we just hit a round number and had no one (family/friends/coworkers) to tell (besides DW and I celebrating w some cheap bubbly w dinner at home), as Mustachians are few and far between here in NYC it seems......or in hiding....

A bit on us:
I'm just going to use the MINT investment number here for the journey. Not counting the car, which is old and paid off, but oddly has started accruing value according to MINT--  It's a '99  and is apparently worth $300 more than it was in January - anyone had this happen - has it become a sought after antique? Not counting the checking accounts as I  put pretty much everything directly into Vanguard.  Not deducting the couple thousand dollars of not-yet-vested 401K as that's too much work.  No property ownership yet, so that could change everything, as we are starting to look....in NYC.....hahaha......investments are spread across  Vanguard, Fidelity, and Betterment so Mint number is easiest.

If (knock on wood) employment stays steady, I think late Jan 2018 would be our graduation estimate as we got a good portion done before I found this thread.  Probably will update twice monthly due to pay schedule.

Okay, without further ado, hello to everyone already on this thread, and here goes the proverbial hat into the ring!!!!
5/01/2017:  $198,456
5/15/2017:  $200,404 - was able to put an extra $250 in that was leftover from last month's household budget!! Plus 401k plus a little market gain gets us started!!





Nick_Miller

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Re: Race from 100 to 250k
« Reply #960 on: May 17, 2017, 07:29:02 AM »
@TryingtoFIREinNYC,

Welcome to the thread! I generally post my updates mid-month (it's just how I started so I've kept it going) so I'd love to see another mid-month poster. And yes this a great place to encourage others to get over the hump since we're all on the same team.

dystopic

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Re: Race from 100 to 250k
« Reply #961 on: May 18, 2017, 03:03:56 AM »
16th March 2017 - $156,970.56
14th April 2017 - $172,158.80 (+$15,188.24)

18th May 2017 - $187,986.35 (+$15,827.55)

jda85

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Re: Race from 100 to 250k
« Reply #962 on: May 24, 2017, 04:03:38 AM »
9/1/16: $99,187.71
9/9/16: $101,885
10/1/16: $103,713.66
11/1/16: $108,566.60
12/1/16: $116,317
1/1/17: $125,770
2/1/17: $131,945
5/1/17: $149,650

dystopic

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Re: Race from 100 to 250k
« Reply #963 on: May 24, 2017, 07:09:28 PM »
16th March 2017 - $156,970.56
14th April 2017 - $172,158.80 (+$15,188.24)
18th May 2017 - $187,986.35 (+$15,827.55)
24th May 2017 - $201,736.37 - $200k broken!

Pizzabrewer

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Re: Race from 100 to 250k
« Reply #964 on: May 24, 2017, 07:12:21 PM »
16th March 2017 - $156,970.56
14th April 2017 - $172,158.80 (+$15,188.24)
18th May 2017 - $187,986.35 (+$15,827.55)
24th May 2017 - $201,736.37 - $200k broken!

Wow, you're killing it!  What's your secret?

dacalo

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Re: Race from 100 to 250k
« Reply #965 on: May 24, 2017, 07:12:36 PM »
I didn't start tracking our NW until Feb this year:

2/17 - 189,044
3/17 - 200,743
4/17 - 207,074
5/17 - 229,425

Will be the first time maxing out 401k this year. My focus has been saving as much as possible to get to our target number this year. Good luck to everyone!

dystopic

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Re: Race from 100 to 250k
« Reply #966 on: May 25, 2017, 01:24:46 AM »
16th March 2017 - $156,970.56
14th April 2017 - $172,158.80 (+$15,188.24)
18th May 2017 - $187,986.35 (+$15,827.55)
24th May 2017 - $201,736.37 - $200k broken!

Wow, you're killing it!  What's your secret?

$200k/yr job. I wish I could take credit for it but it's mostly dumb luck.
« Last Edit: May 25, 2017, 12:47:01 PM by dystopic »

Imustacheyouaquestion

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Re: Race from 100 to 250k
« Reply #967 on: May 26, 2017, 12:28:26 PM »
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

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

Minor decrease from closing costs buying a house, moving, and buying a new fridge, washer and dryer. Looking at a couple months on a single income while my wife is between jobs this summer.

dogboyslim

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Re: Race from 100 to 250k
« Reply #968 on: May 26, 2017, 02:37:07 PM »
It's a bit early, but I won't be checking the web for a while.

<truncating earlier values>
03/2017: $94,135
04/2017: $96,711
05/2017: $100,313
06/2017: $104,001

« Last Edit: May 31, 2017, 12:44:05 PM by dogboyslim »

Mezzie

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Re: Race from 100 to 250k
« Reply #969 on: May 27, 2017, 06:44:47 AM »
I just graduated from the last thread. My starting amount for this one is:

$102,235

I only count my retirement accounts and my husband's Roth (I don't know off hand how to access his 401k balance, and he doesn't have much in there anyway; I don't entirely trust my pension will exist when I retire, so I'm not counting that, either).

This amount will just fluctuate with the market for the next three months as I don't get paid in the summer, so I'll probably see you all again in September. :)

SeattleStache

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Re: Race from 100 to 250k
« Reply #970 on: May 29, 2017, 08:54:27 AM »
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) received a modest bonus in March and my condo value apparently went up around $10k.
April 2017: $166,111 (total NW $306,801)
May 2017: $169,686 (total NW $327,523)

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.

Gardo

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Re: Race from 100 to 250k
« Reply #971 on: May 29, 2017, 10:48:17 AM »
I am a new member to this race.  I am tracking my 401K here which hit above $100K this month.

20170529:  $103.6K

CorpRaider

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Re: Race from 100 to 250k
« Reply #972 on: May 30, 2017, 01:17:59 PM »

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

Zero movement.  Trip to Europe and fairly major car repairs on das autos.  Ugh.

Erma

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Re: Race from 100 to 250k
« Reply #973 on: May 31, 2017, 01:58:33 AM »
May 2017: CHF 231'000

Pooperman

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Re: Race from 100 to 250k
« Reply #974 on: May 31, 2017, 04:19:38 AM »
DateNet WorthTotal GainsSavedMarket GainsSaving Rate
5/31/2017$101,344.65+$2,422.39$1,478.82$943.5723%

Edit: Added more info.
« Last Edit: June 03, 2017, 11:14:13 AM by Pooperman »

merlin7676

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Re: Race from 100 to 250k
« Reply #975 on: May 31, 2017, 08:14:58 AM »
Hi All....New graduate from the 10 to 100K group.
Looking forward to working my way up to the 250K.
Only includes 401K, IRA, savings, company stock, and index funds. Don't count my house since I don't consider it an asset unless/until I decide to sell it.

May-16   $64,177.27
Jun-16   $65,378.17
Jul-16   $70,092.21
Aug-16   $70,534.23
Sep-16   $73,742.76
Oct-16   $74,282.52
Nov-16   $77,284.23
Dec-16   $80,583.50
Jan-17   $84,085.00
Feb-17   $88,759.35
Mar-17   $93,104.53
Apr-17   $97,055.03
May-17   $100,655.06

TryingtoFIREinLAnow

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Re: Race from 100 to 250k
« Reply #976 on: May 31, 2017, 03:01:45 PM »
Welcome @merlin7676 @Mezzie and @Gardo (I was following you on the 100K race)!!

5/01/2017:  $198,456
5/15/2017:  $200,404 - was able to put an extra $250 in that was leftover from last month's household budget!! Plus 401k plus a little market gain gets us started!! 
5/31/2017:  $207,044 - Market wasn't particularly helpful lately, but "Cheap-Ass May Throw Down the Gauntlet" put an extra $400 or so into the kitty.
« Last Edit: June 01, 2017, 07:34:15 AM by TryingtoFIREinNYC »

JLee

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Re: Race from 100 to 250k
« Reply #977 on: May 31, 2017, 04:55:04 PM »
Code: [Select]
Date             Assets           Debts          Net Worth
August 2015 $248,737.62 -$143,484.78 $105,252.84
September 2015 $249,761.04 -$159,507.25 $90,253.79
October 2015 $266,557.35 -$151,064.75 $115,492.60
November 2015 $271,201.85 -$150,368.41 $120,833.44
December 2015 $271,845.32 -$148,613.59 $123,231.73
Code: [Select]
Date             Assets           Debts          Net Worth
January 2016 $272,798.52 -$148,222.89 $124,575.63
February 2016 $279,454.78 -$145,555.38 $133,899.40
March 2016 $292,126.61 -$145,803.30 $146,323.31
April 2016 $296,708.77 -$145,223.65 $153,621.56 (now including HSA)
May 2016        $302,220.28     -$144,314.68    $157,905.60
June 2016       $297,865.13     -$130,027.21    $167,837.92
July 2016       $300,335.43     -$129,034.70    $174,400.90
August 2016     $303,784.69     -$127,309.21    $176,475.48
September 2016  $304,374.41     -$124,141.38    $180,233.03
October 2016    $304,191.78     -$123,292.88    $180,898.90
November 2016   $317,059.14     -$130,935.47    $186,123.67
December 2016   $324,677.65     -$130,895.49    $193,782.16
Code: [Select]
Date             Assets           Debts          Net Worth
January 2017 $329,765.13 -$130,035.00 $199,730.13
February 2017 $343,003.22 -$128,715.39 $214,287.83
March 2017 $343,337.98 -$129,982.99 $213,354.99
April 2017 $349,029.21 -$128,606.57 $220,422.64
May 2017 $352,771.55 -$129,348.71 $223,422.84

SpareChange

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Re: Race from 100 to 250k
« Reply #978 on: June 01, 2017, 12:10:59 AM »
$183,448.43, up $6,478.75.

mrteacher

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Re: Race from 100 to 250k
« Reply #979 on: June 01, 2017, 04:59:02 AM »
Welcome to the new folks on the race from 100k to 250k! Great to have you aboard.

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

Raenia

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Re: Race from 100 to 250k
« Reply #980 on: June 01, 2017, 05:30:38 AM »
Didn't start tracking NW properly until April, so here we go!

04/2017 - 114,128.11
05/2017 - 123,935.63
06/2017 - 127,228.98

Guava

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Re: Race from 100 to 250k
« Reply #981 on: June 01, 2017, 07:11:51 AM »
January 2017: $165,806
February 2017: $172,043
March 2017: $177,204
April 2017: $242,432
May: $251,289

Sweet! Was not expecting this so soon.

Rodgers12

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Re: Race from 100 to 250k
« Reply #982 on: June 01, 2017, 07:57:53 AM »
Just graduated from the 10-100k thread this month! Looking forward to the 100-250k journey.

05/31/2017: $101,116

afuera

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Re: Race from 100 to 250k
« Reply #983 on: June 01, 2017, 07:59:50 AM »
Congrats Guava!!


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

I'm going to stay in this thread until our investments reach 250K since that is what we will apply the 4% rule to.  The rest of our NW is just equity and our emergency fund which aren't really part of our 'stash.
« Last Edit: June 13, 2017, 12:42:59 PM by afuera »

MVal

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Re: Race from 100 to 250k
« Reply #984 on: June 01, 2017, 08:06:49 AM »
Another recent 100K graduate, here! The Personal Capital odometer just turned over yesterday, so I'm super excited to join you all here.

NW 5/31/17 - $100,200

That amount represents about $85K invested, the rest in cash. My next goal is to hit $100K invested before the end of the year. If I keep up what I'm doing and nothing weird happens, I figure I'm on track to hit $200K in 2.5 years from now.

MichaelB

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Re: Race from 100 to 250k
« Reply #985 on: June 01, 2017, 08:19:44 AM »
Feb 29 2016: $79,516.82
March 31 2016: $83,734.70
April 30 2016: $87,137.39
May 31 2016: $89,555.65
June 30 2016: $93,641.14
July 31 2016: $101,134.66
Aug 31 2016: $104,093.75
Sept 30 2016: $105,485.80
Oct 31 2016: $109,245.15
Nov 30 2016: $107,889.49
Dec 31 2016: $112,056.39

Jan 31 2017: $118,069.75
Feb 28 2017: $122,510.00
March 31 2017: $127,153.94
April 30 2017: $128,416.64

Slow month for April--lots of medical bills from DW having a baby (woo hoo!), but good markets were able to overcome.

On that subject--pre-insurance, the bills from having a baby would have been about $25,000. Let's hear it for HSAs and maxing out your annual deductible!

May 31 2017: $132,481.64

Chugging right along...

RetireGermane

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Re: Race from 100 to 250k
« Reply #986 on: June 01, 2017, 08:25:30 AM »
Welcome to all the new fellows on the march to 250k!

everything according to the plan: rolling over only short running structured products (bonus certificates (1 to 2 months)) on the european indexes DAX\EuroStoxx50, no stocks.
No liabilities + a paid Appartment (Value approx. 300,000)

Invested Assets+ Cash Account:
1/1/2016 Jan:    64,400

1/1/2017 Jan:  104,000
2/1/2017 Feb:  105,000
3/1/2017 Mar:  107,000
4/1/2017 Apr:  110,000    
5/1/2017 May:  112,900  
6/1/2017 June:  117,868  

Planned Graduation Date 250k: Sept 2021

Happy Investing

don't forget to enter data in the google Spreadsheet
« Last Edit: June 07, 2017, 10:16:44 AM by RetireGermane »

Mustachio Bashio

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Re: Race from 100 to 250k
« Reply #987 on: June 01, 2017, 09:15:20 AM »
Congrats Guava and welcome everyone who's new to the thread/challenge!

Feb 1st - 167,752
March 1st - 177,448
April 1st - 183,917
May 1st - 189,025
June 1st - 195,189

With this 3 paycheck month coming up, I should be able to break 200k by this time next month, fingers crossed.

SpareChange

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Re: Race from 100 to 250k
« Reply #988 on: June 01, 2017, 09:37:35 AM »
Congrats Guava!. Welcome Rodgers12, MVal, and the other new ones!!

CmFtns

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Re: Race from 100 to 250k
« Reply #989 on: June 01, 2017, 10:19:26 AM »
Current numbers:

2017
Feb   $103,330.77
Mar   $109,979.84
Apr   $115,118.59
May   $121,551.74


Remember we have a google docs you all... This should really be linked in the Original Post
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0

Cornel_Westside

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Re: Race from 100 to 250k
« Reply #990 on: June 01, 2017, 12:00:21 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%)

Good month on the market for me, but the key is the increasing savings ratio. This month the goal is 64%. Long term I'm hoping that is a stable number, with months better or worse than that. A critical help are credit card bonuses that have given me 2 free flights this year, allowing me to save $900 more than otherwise.

MrStash

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Re: Race from 100 to 250k
« Reply #991 on: June 01, 2017, 12:07:31 PM »
$76,681.12 - Jan 2016
$78,394.20 - Feb 2016
$82,651.23 - Mar 2016
$84,554.86 - Apr 2016
$86,839.45 - May 2016
$92,097.50 - Jun 2016
$96,841.10 - Jul 2016
$77,947.65 - Aug 2016
$83,571.41 - Sep 2016
$86,421.49 - Oct 2016
$91,967.15 - Nov 2016
$96,764.63 - Dec 2016

$102,739.32 - Jan 2017
$110,530.30 - Feb 2017
$115,337.66 - Mar 2017
$120,434.93 - Apr 2017
$124,915.92 - May 2017

Increase of about $4,500 last month. May the good times continue!

Check2400

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Re: Race from 100 to 250k
« Reply #992 on: June 01, 2017, 02:25:02 PM »

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

Nothing too crazy this past month.  Closing on the sale of the investment house/old house is in 2 weeks, so I won't be floating $2,000 a month like I have the past few months.  Hopefully that will help get me back into the $3000 a month growth range I'd like to be in- at least until the new mortgage kicks in :/


stimepy

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Re: Race from 100 to 250k
« Reply #993 on: June 01, 2017, 02:56:37 PM »
*un-lurking*

6/1/2017 - $115,738

Numbers are per Mint.  Does not include a ~$4200 car loan.  ( To be Paid off In September.)

So um yea, actually been tracking on a yearly basis for a few years now, well before finding MMM.  Guess I now have a reason to pay a little more attention and keep holding to my "When I eventually get Laid Off Plan"  No specific layoff in mind, I just know it will happen someday, cause Corporate America.    The plan also just happens to coincide with MMM values.  (Pure luck on my part!)

turketron

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Re: Race from 100 to 250k
« Reply #994 on: June 01, 2017, 07:47:29 PM »
April 2015: $98k
May 2015: $111k
June 2015: $112k
July 2015: $113k
Aug 2015: $113k
Sept 2015: $116k
Nov 1 2015: $120,330.91
Dec 1 2015: $138,810.56

Jan 1 2016: $141,251.00
Feb 1 2016: $135,573.00
Mar 4 2016: $138,331.39
Apr 1 2016: $146,788.37
May 1 2016: $149,149.52
Jun 1 2016: $161,205.21
July 1 2016: $165,947.80
Aug 1 2016: $176,198.00
Sep 1 2016: $178,840.37
Oct 1 2016: $184,372.64
Nov 1 2016: $181,625.28
Dec 1 2016: $187,972.57

Jan 1 2017: $193,414.19
Feb 1 2017: $200,758.63
Mar 1 2017: $211,677.78
Apr 1 2017: $217,643.71
May 1 2017: $225,773.04
Jun 1 2017: $232,222.09

Epor

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Re: Race from 100 to 250k
« Reply #995 on: June 02, 2017, 03:21:28 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%)

Good month on the market for me, but the key is the increasing savings ratio. This month the goal is 64%. Long term I'm hoping that is a stable number, with months better or worse than that. A critical help are credit card bonuses that have given me 2 free flights this year, allowing me to save $900 more than otherwise.

Thanks for posting this. I'm still at the 10-100k race, but like to see progress in other races. Sometimes I feel discouraged because I know I cannot put 5-6k month towards savings: I do not make enough. But when I see a breakout like yours, with market gains making a good chunk of the total savings, makes me feel better about my own plans.


Mustachio Bashio

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Re: Race from 100 to 250k
« Reply #996 on: June 03, 2017, 11:04:16 AM »
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%)

Good month on the market for me, but the key is the increasing savings ratio. This month the goal is 64%. Long term I'm hoping that is a stable number, with months better or worse than that. A critical help are credit card bonuses that have given me 2 free flights this year, allowing me to save $900 more than otherwise.

Thanks for posting this. I'm still at the 10-100k race, but like to see progress in other races. Sometimes I feel discouraged because I know I cannot put 5-6k month towards savings: I do not make enough. But when I see a breakout like yours, with market gains making a good chunk of the total savings, makes me feel better about my own plans.

I somehow go up 5-6k a month right now, and it always surprises me, cause I'm definitely not able to save 5-6k per month.  My take-home after taxes and insurance is about 2400 every two weeks (less taken out for taxes cause I'm putting in a decent amount into my 401k tax deferred account), so after rent, food, travel, and whatever else, it always surprises me how it continues to go up so much.  Sometimes there's a bit more from bonus time or a tax refund, but yea.  The last couple days the market has been kind, and my gains have been about 2k...but who knows how long it'll last.

Pooperman

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Re: Race from 100 to 250k
« Reply #997 on: June 03, 2017, 11:16:05 AM »
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%)

Good month on the market for me, but the key is the increasing savings ratio. This month the goal is 64%. Long term I'm hoping that is a stable number, with months better or worse than that. A critical help are credit card bonuses that have given me 2 free flights this year, allowing me to save $900 more than otherwise.

Thanks for posting this. I'm still at the 10-100k race, but like to see progress in other races. Sometimes I feel discouraged because I know I cannot put 5-6k month towards savings: I do not make enough. But when I see a breakout like yours, with market gains making a good chunk of the total savings, makes me feel better about my own plans.

I somehow go up 5-6k a month right now, and it always surprises me, cause I'm definitely not able to save 5-6k per month.  My take-home after taxes and insurance is about 2400 every two weeks (less taken out for taxes cause I'm putting in a decent amount into my 401k tax deferred account), so after rent, food, travel, and whatever else, it always surprises me how it continues to go up so much.  Sometimes there's a bit more from bonus time or a tax refund, but yea.  The last couple days the market has been kind, and my gains have been about 2k...but who knows how long it'll last.

Went back and added more info to mine so people on the slow track can see how things progress.

tjrssibelle

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Re: Race from 100 to 250k
« Reply #998 on: June 03, 2017, 01:15:19 PM »
Dec 2016 - $129.04 k
Jan 2017 - $133.53 k
Feb 2017 - $139.23 k
Mar 2017 - $145.40 k
Apr 2017 - $149.59 k
May 2017 - $155.36 k
Jun 3 2017 - $156.98 k


Sent from my SM-N920V using Tapatalk


Izybat

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Re: Race from 100 to 250k
« Reply #999 on: June 03, 2017, 07:08:11 PM »
This is my first race that I'm joining, so we'll see how it goes. We just crossed over the $100k mark recently, and I've only been tracking total net worth (which doesn't include our house value or mortgage) for a few months.

1/17 - $71,425.20
2/17 - $81,629.90
3/17 - $90,185.83
4/17 - $106,744.63 (husband got a huge bonus at work that we may have to repay if he quits his job, which is highly likely as he hates it)
5/17 - $112,212.95


I have to say I'm a bit surprised by how fast our net worth has gone up. It's been pushed a long by several work bonuses (for myself and my husband) and a fairly large tax return (yeah, yeah, face punch me).