Post by: Uncle Scrooge on May 15, 2015, 11:49:33 AM
Net worth:
Jan 1, 2015: $110,000
Feb 1, 2015: $114,700
March 1,2015: $119,400
April 1,2015: $132,700
May 1,2015: $138,000
Post by: Breck on May 15, 2015, 01:52:31 PM
Jan 1, 2015: $184,600
Feb 1, 2015: $196,000
March 1,2015: $208,000
April 1,2015: $224,850
May 1,2015: $236,000
Post by: FIreDrill on May 15, 2015, 02:00:36 PM
Jan 1, 2015: $113,226
Feb 1, 2015: $120,796
March 1,2015: $125,852
April 1,2015: $134,096
May 1,2015: $147,916
Post by: StartingEarly on May 17, 2015, 12:24:25 PM
Post by: Uncle Scrooge on May 31, 2015, 06:50:42 PM
I really enjoyed reading the 10-100k thread. Let's start a race to a quarter million!
Net worth:
Jan 1, 2015: $110,000
Feb 1, 2015: $114,700
March 1,2015: $119,400
April 1,2015: $132,700
May 1,2015: $138,000
June 1,2015: $140,600
Post by: FIreDrill on June 01, 2015, 12:02:18 AM
Sweet! A race I can be apart of. We should hit 250k by Jan 2017, I am hoping to hit 200k sometime in 2015 but that will be a stretch.Hit just over 152,000 this month.
Jan 1, 2015: $113,226
Feb 1, 2015: $120,796
March 1,2015: $125,852
April 1,2015: $134,096
May 1,2015: $147,916
Post by: retireatbirth on June 05, 2015, 09:19:17 PM
6/5/15: $120,300
Post by: 2Birds1Stone on June 08, 2015, 06:57:53 PM
Investable Assets are right at $99-100k as of this month. Net worth is ~20k higher.
Post by: FIreDrill on June 08, 2015, 07:04:15 PM
Sent from my klte using Tapatalk
Post by: savingstldad on June 09, 2015, 02:07:16 PM
Post by: oinkette on June 09, 2015, 03:20:06 PM
My current job is pretty middle class (maybe slightly above) but my expenses, since moving into a rented room, are quite low (<$1,000/mo). I'm hoping to move to a city where I will make a lot more, but maintain a low cost lifestyle. Plotting and planning right now.
Post by: greenmimama on June 09, 2015, 05:21:45 PM
I am assuming this is only money you have invested, not the equity in your home, right?
Post by: gecko10x on June 09, 2015, 07:06:20 PM
Jan 2015:
May 2015: 186k
Goal is 250k somewhere near the end of 2017
Post by: Uncle Scrooge on June 10, 2015, 05:56:08 AM
I want to join in but it will take me awhile to figure out our NW, it's in about 3 diff. types and I don't have a good number on any of them right now, I know I should do better.
I am assuming this is only money you have invested, not the equity in your home, right?
I'd consider net worth being all of your assets minus your debts, so home equity would count.
It's hard to know what your house is really worth until you sell it, so I keep my house at a conservative number and keep it the same each month, that way there's no fluctuation in my NW.
Post by: ohyonghao on June 13, 2015, 11:25:44 AM
I want to join in but it will take me awhile to figure out our NW, it's in about 3 diff. types and I don't have a good number on any of them right now, I know I should do better.
I am assuming this is only money you have invested, not the equity in your home, right?
I'd consider net worth being all of your assets minus your debts, so home equity would count.
It's hard to know what your house is really worth until you sell it, so I keep my house at a conservative number and keep it the same each month, that way there's no fluctuation in my NW.
Having just graduated from the race to 100k thread (yippy!) I'll now join this one. It was debated there also, and I'm assuming many times on these forums, in the end it is left up to personal preference, the net worth police aren't going to kick down your door for including something they consider a mere possession rather than an asset. I figure the house is an asset that reduces my expenditures by the amount I would have spent otherwise on securing shelter, it's just not a very liquid asset that can be transferred to other kinds of assets easily.
In this vain I don't consider my car an asset as much as it is a liability. Without a car I wouldn't seek or expend more on transportation as I get everywhere on my bike. Possessing it does nothing to reduce this amount, if anything it costs me considerably more due to licensing and insurance to have it sit 5 days out of 7 most weeks, but is a luxury I choose to possess.
For me I use the current Zestimate (Zillow's estimate) of my houses value when calculating networth. This happens to keep my budget software in line with Personal Capital which uses the same method.
Here are my numbers:
May 2015: $100,323.89
Our goal is to reach $117k by years end, which we may have to adjust as that is just under $3k/mo, whereas we have averaged about $5k/mo. We have a goal to get our AGI under $61k to reap the savers tax credit, which means we need to utilize our retirement savings a bit more.
Post by: mrshudson on June 13, 2015, 07:08:52 PM
Jan 2015 - $94,000
Feb 2015 - $ 97,000
Mar 2015 - $106,000
Apr 2015 - $108,000
May 2015 - $114,000
June 2015 - $ 117,000
Post by: Uncle Scrooge on June 15, 2015, 10:36:24 AM
I want to join in but it will take me awhile to figure out our NW, it's in about 3 diff. types and I don't have a good number on any of them right now, I know I should do better.
I am assuming this is only money you have invested, not the equity in your home, right?
I'd consider net worth being all of your assets minus your debts, so home equity would count.
It's hard to know what your house is really worth until you sell it, so I keep my house at a conservative number and keep it the same each month, that way there's no fluctuation in my NW.
For me I use the current Zestimate (Zillow's estimate) of my houses value when calculating networth. This happens to keep my budget software in line with Personal Capital which uses the same method.
I was using the Zillow estimate for a while too, but it tended to jump around alot, especially this year. I'd say my house is worth around 210k or so, but Zillow was saying it was worth 180k then the next month it jumped to 200k, then the month after that it went up to 235k then back down to 217k. It was throwing my spreadsheet out of whack, so I just picked a conservative static number (200k) and I'll keep my house at that figure until I sell it.
Post by: ohyonghao on June 15, 2015, 11:26:48 AM
I was using the Zillow estimate for a while too, but it tended to jump around alot, especially this year. I'd say my house is worth around 210k or so, but Zillow was saying it was worth 180k then the next month it jumped to 200k, then the month after that it went up to 235k then back down to 217k. It was throwing my spreadsheet out of whack, so I just picked a conservative static number (200k) and I'll keep my house at that figure until I sell it.
I haven't seen that personally, but if I did I would probably do the same thing, or calculate it myself off of comps. My wife watches the real estate market here relentlessly so we have a fairly good idea of what our house is worth. This past year and this year has been pretty insane around here. We bought our house December of 2013 at $220k, now same layout, year, neighborhood, we see them being sold in a week for $275k. Zillow still estimates $250k, but I'm sure if we wanted to sell we could get the higher number out of it. Our neighborhood/hoa has some history that depressed the sales price even during the beginning of the recovering market. We lucked out and picked up a second hand short sale (one bought by an investor, remodeled lightly, then sold) and haven't seen another at the same price since.
Personal Capital can be funny too, like when I paid off a credit card the $3k showed as increased net worth for a day as the CC reported the balance down, but the bank hadn't sent the money yet. I take my net worth from my budget software (YNAB) which doesn't get fooled by such tricks, and reports it by the month anyway because who really cares about a day by day net worth value anyway?
Post by: FIreDrill on June 15, 2015, 12:07:01 PM
I want to join in but it will take me awhile to figure out our NW, it's in about 3 diff. types and I don't have a good number on any of them right now, I know I should do better.
I am assuming this is only money you have invested, not the equity in your home, right?
I'd consider net worth being all of your assets minus your debts, so home equity would count.
It's hard to know what your house is really worth until you sell it, so I keep my house at a conservative number and keep it the same each month, that way there's no fluctuation in my NW.
For me I use the current Zestimate (Zillow's estimate) of my houses value when calculating networth. This happens to keep my budget software in line with Personal Capital which uses the same method.
I was using the Zillow estimate for a while too, but it tended to jump around alot, especially this year. I'd say my house is worth around 210k or so, but Zillow was saying it was worth 180k then the next month it jumped to 200k, then the month after that it went up to 235k then back down to 217k. It was throwing my spreadsheet out of whack, so I just picked a conservative static number (200k) and I'll keep my house at that figure until I sell it.
I keep my home value static as well... Zillow is all over the place over the course of any 6 month period. I may adjust it up/down once a year if the market moves significantly enough.
Post by: Guava on June 17, 2015, 10:54:41 AM
Jan 2015: 89,640
Feb 2015: 93,225
Mar 2015: 112,015
Apr 2015: 116,045
May 2015: 120,820
Post by: Auldtriangle8 on June 23, 2015, 02:38:53 PM
Jan 2015: 94,500
Feb 2015: 107,000
Mar 2015: 109,000
Apr 2015: 118,500
May 2015: 122,000
Estimated date is early 2018.
Post by: Uncle Scrooge on June 29, 2015, 05:13:15 AM
Post by: Frugal_NYC on June 29, 2015, 09:42:42 AM
8/27/14: $78.2K
1/26/15: $95.8K
6/22/15: $112.6K
Post by: ohyonghao on July 01, 2015, 12:18:47 AM
May 2015: $100,323.89
June 2015: $106,433.29
An increase of $6,109.40, not too shabby. We also started contributing to my 401k this month. I hadn't contributed before because there is no match, but the funds actually aren't too bad, mostly index funds or target funds with low MER's, comparable to Vanguard's. Currently contributing 12% while maxing out our IRA's and HSA. May change to maxing out 401k first, then contributing to IRA's since those can be done after the end of the year in case I need to lower my AGI.
Post by: Uncle Scrooge on July 01, 2015, 05:25:56 AM
Jan 1, 2015: $110,000
Feb 1, 2015: $114,700
March 1,2015: $119,400
April 1,2015: $132,700
May 1,2015: $138,000
June 1,2015: $140,600
July 1,2015: $139,600
Unfortunately, June was a bad month financially. I had to make a few large one-time purchases which cost about 3k total, and then the market lost a couple percent at the end of the month. Oh well, July should be much better. It's an extra paycheck month!
Post by: ohyonghao on July 01, 2015, 09:53:48 AM
Net worth:
Jan 1, 2015: $110,000
Feb 1, 2015: $114,700
March 1,2015: $119,400
April 1,2015: $132,700
May 1,2015: $138,000
June 1,2015: $140,600
July 1,2015: $139,300
Unfortunately, June was a bad month financially. I had to make a few large one-time purchases which cost about 3k total, and then the market lost a couple percent at the end of the month. Oh well, July should be much better. It's an extra paycheck month!
Great job on the $30k increase so far this year!
We get paid weekly, so I have 4 of those a year. I thought it was funny when I was getting the loan for our house that the insist on taking my weekly pay times 4.33 to get my monthly salary as I've always budgeted based on 4 weeks. Using the YNAB method my 5th paycheck actually doesn't come into my budget until August, but it still increases my net worth in July.
Post by: Uncle Scrooge on July 02, 2015, 06:00:14 AM
It looks like you're doing a great job this year as well. Keep up the good work!
Post by: retireatbirth on July 04, 2015, 08:43:07 AM
I will join in. I don't have exact historical number since my 401k isn't linked to Mint, but I hit $100k in late January.
6/5/15: $120,300
7/3/15: $120,800
Post by: Wads on July 05, 2015, 08:54:23 AM
Feb 1, 2015: $184,568
March 1,2015: $195,888
April 1,2015: $198,602
May 1,2015: $209,565
June 1,2015: $223,876
July 1,2015: $232,773
Post by: fb132 on July 05, 2015, 06:17:54 PM
Just found out this thread and curious. How are you all increasing the NW by 30-40K in 6mos. I am estimating that I could add only 3k (that too if i cut down on almost all expenses under tight budget )from my after tax to my savings acct, which I am planning to put in taxable acct in index funds. I add some to 401K that would be another $600pm including employer match. even then it is only~21k for 6 mos. I have <50k in 401k, which would not perform to the extent to cover the rest to achieve 30-40k per 6 months. Just wanted to know what am I missing. Is it just high earnings(salary)in general? By the way what is the average time to go from 100-250k. With my estimation it is going to take atleast 4 yrs to cover 150k. Is that what we are looking at?It has to be big salary, low expenses. I make low income and despite saving about 50% of my income, I come nowhere near the huge increase in networth that some get. Yes I am jealous :P
Am going to read the 10k to 100k thread as well to get more information.
H2R
Post by: Wads on July 06, 2015, 01:01:04 AM
Just found out this thread and curious. How are you all increasing the NW by 30-40K in 6mos. I am estimating that I could add only 3k (that too if i cut down on almost all expenses under tight budget )from my after tax to my savings acct, which I am planning to put in taxable acct in index funds. I add some to 401K that would be another $600pm including employer match. even then it is only~21k for 6 mos. I have <50k in 401k, which would not perform to the extent to cover the rest to achieve 30-40k per 6 months. Just wanted to know what am I missing. Is it just high earnings(salary)in general? By the way what is the average time to go from 100-250k. With my estimation it is going to take atleast 4 yrs to cover 150k. Is that what we are looking at?
Once you get over the 100K range the growth seems to be much faster. Personally, I have one rental unit and also invest outside of index funds. There is no right or wrong way of investing, the most important part is a high saving rate and the rest will take care of itself IMO.
Post by: Uncle Scrooge on July 06, 2015, 08:10:09 AM
Just found out this thread and curious. How are you all increasing the NW by 30-40K in 6mos. I am estimating that I could add only 3k (that too if i cut down on almost all expenses under tight budget )from my after tax to my savings acct, which I am planning to put in taxable acct in index funds. I add some to 401K that would be another $600pm including employer match. even then it is only~21k for 6 mos. I have <50k in 401k, which would not perform to the extent to cover the rest to achieve 30-40k per 6 months. Just wanted to know what am I missing. Is it just high earnings(salary)in general? By the way what is the average time to go from 100-250k. With my estimation it is going to take atleast 4 yrs to cover 150k. Is that what we are looking at?
Am going to read the 10k to 100k thread as well to get more information.
H2R
I can't speak for everyone here, but in my situation we have two incomes (DW and myself). Neither of us make super incomes, but it's nothing to sneeze at either. We are constantly working on lowering expenses as well. We've also received a higher than normal tax return this year as well as an unexpected windfall as a gift from a family member.
Post by: Guava on July 06, 2015, 08:32:43 AM
Just found out this thread and curious. How are you all increasing the NW by 30-40K in 6mos. I am estimating that I could add only 3k (that too if i cut down on almost all expenses under tight budget )from my after tax to my savings acct, which I am planning to put in taxable acct in index funds. I add some to 401K that would be another $600pm including employer match. even then it is only~21k for 6 mos. I have <50k in 401k, which would not perform to the extent to cover the rest to achieve 30-40k per 6 months. Just wanted to know what am I missing. Is it just high earnings(salary)in general? By the way what is the average time to go from 100-250k. With my estimation it is going to take atleast 4 yrs to cover 150k. Is that what we are looking at?
Am going to read the 10k to 100k thread as well to get more information.
H2R
I suppose I have a higher salary for my LCOL area which helps. I have been trying to cut expenses and focus more on saving in the last six months too. I also have shares of multiple rental properties that provide a little boost. However, this is by far the best year I have had for NW increase ever.
Post by: Mikhial on July 06, 2015, 10:31:28 AM
Just found out this thread and curious. How are you all increasing the NW by 30-40K in 6mos. I am estimating that I could add only 3k (that too if i cut down on almost all expenses under tight budget )from my after tax to my savings acct, which I am planning to put in taxable acct in index funds. I add some to 401K that would be another $600pm including employer match. even then it is only~21k for 6 mos. I have <50k in 401k, which would not perform to the extent to cover the rest to achieve 30-40k per 6 months. Just wanted to know what am I missing. Is it just high earnings(salary)in general? By the way what is the average time to go from 100-250k. With my estimation it is going to take atleast 4 yrs to cover 150k. Is that what we are looking at?My guess is the people who are doing better are more likely to respond, so this thread is biased towards high incones and low spending rates.
Am going to read the 10k to 100k thread as well to get more information.
H2R
Post by: Enough on July 07, 2015, 11:40:36 AM
Jan-15 $103,510
Feb-15 $104,580
Mar-15 $113,223
Apr-15 $118,072
May-15 $122,214
Jun-15 $124,279
Jul-15 $126,969
Guessing that I'll hit it March 2018.
Post by: mrshudson on July 08, 2015, 10:58:56 AM
Jan 2015 - $94,000
Feb 2015 - $ 97,000
Mar 2015 - $106,000
Apr 2015 - $108,000
May 2015 - $114,000
June 2015 - $ 117,000
July 2015 ~
Edited to add: I managed to add another $1500 today, which has brought up my total to $120,000. Normally I would refrain from making mid-month updates on this thread, but $120,000 is an important milestone for me so I'm making an update. It has been taking me around 2-3 months to hit an increment of $10,000. Hit $100,000 in mid-February, $110,000 in mid-April, $120,000 in mid-July. I should be on track to hit my target of $140,000 by the end of the year.
Post by: ohyonghao on July 08, 2015, 12:44:34 PM
This year the big thing that has increased our net worth is our house. When we bought it in December of 2013 our local neighborhood was in a depressed market due to some litigation with the builders. That lawsuit has now been settled, and repairs made, so people who were stuck here before are now selling and house prices have gone up about $60k, though ours has only gone up $34k. They still are not back to what they were when they were originally sold in 2005, so we may see another year of fast growth up probably another $30k before slowing down to a more normal inflation rate. Our other investments are all just index funds in different buckets, be it HSA - Vanguard, IRA - Vanguard, or 401k - Merril Lynch.
All in all we put aside about $3,100 a month into house principal and retirement accounts, and still have a little left over after everything else. Our current savings rate is about 55%, might be able to squeeze that up to 60%, depending on unforeseen expenses, like a broken bicycle which we had over the weekend. Our yearly expenses are $26k including our lavish personal spending money, or about $21k if we were to trim down on those.
Post by: BBub on July 09, 2015, 12:52:03 PM
Jun 2014: $100k
Sep 2014: $130k
Dec 2014: $155k
Mar 2015: $186k
Jun 2015: $219k
Hopefully will break $250 by end of 3rd quarter! If so, total time will have been 15 months.
Post by: Wads on July 10, 2015, 01:23:11 PM
Jun 2014: $100k
Sep 2014: $130k
Dec 2014: $155k
Mar 2015: $186k
Jun 2015: $219ks.
Nice gains BBub!
Post by: StartingEarly on July 10, 2015, 01:30:40 PM
Post by: Uncle Scrooge on July 13, 2015, 05:07:12 AM
About 119k, having to opt out of the race due to unemployment. I will be drawing on my savings for the interim.
Sorry to hear that. I hope you land on your feet quickly.
Post by: BBub on July 13, 2015, 08:47:53 AM
Jun 2014: $100k
Sep 2014: $130k
Dec 2014: $155k
Mar 2015: $186k
Jun 2015: $219ks.
Nice gains BBub!
Thanks Resignby35!
Post by: codemonkey on July 13, 2015, 11:48:16 AM
January 2015: $77,300
February 2015: $90,000
March 2015: $95,000
April 2015: $106,000
May 2015: $109,000
June 2015: $111,000
July 2015: $115,800
August 2015: $117,700
Sept 2015: $112,700
Oct 2015: $116,500
Nov 2015: $124,000
Dec 2015: $127,400
7/15: Our biggest gain was from a year end bonus and then a tax return. We finally hit the 100,000 mark in late March. The rest of the year will be fairly steady, with market fluctuations helping with increases / decreases in gains.
8/15: Despite withdrawing $1,100 from our HSA to pay the hospital bill for the birth of our son, we still made some progress from July to August. I plan on putting that amount in our taxable account by the end of the year.
9/6: We put just as much into our investments as usual, but The Market decided we should lose a bunch of money anyway. This was our first negative month since we started saving for retirement in mid 2010.
10/5 Still below our August number despite continuing contributions, but at least it wasn't another negative month
11/1 The market rebounded a bunch and helped boost our numbers back to where I was hoping they would be by this time of year
12/1 Slow and steady over the last month. It's rewarding to look back and see how far we've come during the year since this was the first year we started budgeting and really trying to save and not waste our money. It took us 5 years to reach the 77k mark that we started the year with.
Post by: Uncle Scrooge on July 13, 2015, 01:01:49 PM
This is for our Investment Accounts only.
January 2015: $76,000
July 2015: $115,000
Wow! Almost a 40k gain in half a year. Very impressive!
Post by: codemonkey on July 13, 2015, 01:46:21 PM
This is for our Investment Accounts only.
January 2015: $76,000
July 2015: $115,000
Wow! Almost a 40k gain in half a year. Very impressive!
Thank you! We have been really working hard to save 50% of our gross this year. Last year we hit 32% and then spent every extra penny. We found MMM half way through the year and after 6 months of reading and discussing, we've majorly changed our purchasing habits.
I'm fairly happy with the results so far, especially since we just welcomed baby #4 two weeks ago. The second half of the year will definitely be more challenging to keep our expenses down since we'll be a bit more tired and busy.
I'm looking forward to seeing everyone else's net worth grow along with ours!
Post by: recipro on July 14, 2015, 06:26:46 PM
Jan 15: $147,400
Feb 15: $156,100
Mar 15: $154,400
Apr 15: $153,800
May 15: $161,600
Jun 15: $156,400
Not much climbing so far this year, since I was unemployed from February until May, and also traveled abroad. Hoping to get back to saving soon, though!
Post by: oinkette on July 17, 2015, 12:47:49 PM
Post by: Justin1911 on July 24, 2015, 01:12:04 PM
I'm 29 years old. bring home 63k yearly. Trying to save 50% of each paycheck since discovering MMM two months ago.
Post by: ohyonghao on July 24, 2015, 02:15:21 PM
I'm in! New Mustachian here and its time for me to step up to the plate. On 21 July I added up my net worth between cash, Roth TSP, Roth IRA, taxable account and I'm sitting on $96,990. I'm ready to push hard towards 250k.
I'm 29 years old. bring home 63k yearly. Trying to save 50% of each paycheck since discovering MMM two months ago.
Welcome to this thread, and Mustachianism!
Post by: ender on July 24, 2015, 07:19:53 PM
Post by: gecko10x on July 30, 2015, 11:29:34 AM
Jan 2015: $156k
Feb 2015: $160k
Mar 2015: $179k
Apr 2015: $183k
May 2015: $186k
Jun 2015: $189k
July 2015: $195k
Post by: northernlights on July 31, 2015, 09:57:21 AM
Net worth January 1, 2014: -$2417.15
Net worth January 1, 2015: $41,088.28
Net worth July 31, 2015: $103347.17
I am stupid excited to be in this thread.
Post by: BBub on July 31, 2015, 01:12:38 PM
Post by: northernlights on July 31, 2015, 01:28:30 PM
Congrats on breaking $100 Northernlights! You are kicking some serious ass.
Thanks! I got a huge promotion in 2014 which definitely helped, as did my husband, who is both Mustachian by nature (unlike my spendypants self) and kicking ass in his business. Our goal is to be FI by the time I turn 40 (8 years) and then we'll see if we're ready to RE.
Post by: retireatbirth on July 31, 2015, 04:41:09 PM
July 2015: $120,800
August 2015: $125,300
Kinda disappointed in my progress. Could really use a boost from the markets.
Post by: ohyonghao on July 31, 2015, 05:14:57 PM
June 2015: $120,300
July 2015: $120,800
August 2015: $125,300
Kinda disappointed in my progress. Could really use a boost from the markets.
I like seeing a dip at the end of the month, it's like stocks are going on sale just before I buy :-D, but I do like seeing a general upwards trend overall.
My own numbers are in now:
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
A rise of $8,017.40. Stocks did alright this month and the new 401k seems to be working well, adding an extra $800/mo and this month being a 5th paycheck month helped bolster our networth. Wish I could keep up this pace, but I'm sure my house will stop appreciating soon, though it's still $30k under what it originally sold for in 2006, and $17k under the last sold comparable in our neighborhood.
Post by: bokonon on August 01, 2015, 06:13:45 AM
We need to find the wizard who made the google docs sheet for the $100k race and get them to hook us up! The google dock is a great fun way to keep track of your net worth over time and motivational!
A straight line graph says I should cross $250k in September 2017. Between now and then I will be buying a house (currently hoarding cash for a down payment) and who knows what the market will do, so we shall see!
Post by: JustGettingStarted1980 on August 01, 2015, 10:43:48 AM
Jan-12 $-190,914.14
Jan-13 $-84,421.72
Jan-14 $9,740.26
Jan-15 $109,406.95
April-15 $133,400.00
July-15 $179,961.40
At this rate, looking at January-April 2016 to hit 250K.
Post by: Guava on August 03, 2015, 07:59:20 AM
Down $3,400 due to tuition and the start of a remodel. I expect to go down again in August too.
Post by: oinkette on August 03, 2015, 10:17:37 AM
Aug 3-$$127,830.39
Post by: FIreDrill on August 03, 2015, 10:35:02 AM
Feb 1, 2015: $120,796
March 1,2015: $125,852
April 1,2015: $134,096
May 1,2015: $147,916
June 1,2015: $152,000
July 1, 2015: $155,000
Aug 1, 2015: $159,000
The accumulation has slowed down recently but its still slowly rising. I should have better months towards the end of the year due to bonuses and other events.
Post by: zephyr911 on August 03, 2015, 12:58:29 PM
Just found out this thread and curious. How are you all increasing the NW by 30-40K in 6mos.I'm not in the contest (already at 250k) but I crossed most of the range in question at that same approximate speed, and your guesses are on the right track. I take home 80+ and have steadily reduced expenses over a period of years. But don't forget investment returns (the reason why we do this)! A hot month in the market can easily add $10K when you have six figures invested.
Post by: ashwihi on August 05, 2015, 06:46:11 AM
I'm using the net worth figures from Mint, which includes real-estate, retirement, cash and all debts big and small:
August, 2015 : $107,690.14
September, 2015: $124,069.19
October, 2015: $128,094.34
November, 2015: $137,287.62
Oct Notes: I know I can, I know I can, I know I can...
Post by: Uncle Scrooge on August 05, 2015, 07:25:45 AM
Jan 1, 2015: $110,000
Feb 1, 2015: $114,700
March 1,2015: $119,400
April 1,2015: $132,700
May 1,2015: $138,000
June 1,2015: $140,600
July 1,2015: $139,600
August 1,2015 $130,700
Well, we now have had two bad months in a row. We needed some work done around the house and we've put it off for too long as it is. Then, towards the end of the month, our old, high mileage car finally died. We decided to get a nice, shiny new car. We could have been moustachian about it, but we said to hell with it.
We should get back on track in August. Onward and upward!
Post by: Wads on August 13, 2015, 05:21:31 PM
2/1/15- $184,568
3/1/15- $195,888
4/1/15- $198,602
5/1/15- $209,565
6/1/15- $223,876
7/1/15- $232,773
8/1/15- $232,675
Damn! First negative month this year.
Post by: Andrew928 on August 13, 2015, 05:42:44 PM
Post by: codemonkey on August 13, 2015, 07:38:05 PM
Net Worth
2/1/15- $184,568
3/1/15- $195,888
4/1/15- $198,602
5/1/15- $209,565
6/1/15- $223,876
7/1/15- $232,773
8/1/15- $232,675
Damn! First negative month this year.
July was not super kind to our portfolio either.
Post by: TonyPlush on August 17, 2015, 12:10:39 PM
January 30, 2015: $85K
Today: $104K
At my current salary and living arrangements, a conservative estimate says I can save about $30K savings per year. So it may take me a little while to complete this challenge.
Post by: ohyonghao on August 17, 2015, 12:27:27 PM
In on this challenge.
January 30, 2015: $85K
Today: $104K
At my current salary and living arrangements, a conservative estimate says I can save about $30K savings per year. So it may take me a little while to complete this challenge.
Congratulations on breaking $100k! I find it's exciting once you hit the $100k mark, and you can really start to see the snowball affect of compound interest. You may conservatively add $30k in savings, but remember those other 100k workers out there helping you add another $10k.
Post by: Bolshevik Artizan on August 17, 2015, 12:41:04 PM
Post by: jooles on August 17, 2015, 12:55:49 PM
We have a goal to get our AGI under $61k to reap the savers tax credit, which means we need to utilize our retirement savings a bit more.
What is the savers tax credit?
Post by: StartingEarly on August 17, 2015, 02:31:24 PM
Post by: zephyr911 on August 17, 2015, 08:40:25 PM
Net WorthNo shit. I may be under 250 again.
2/1/15- $184,568
3/1/15- $195,888
4/1/15- $198,602
5/1/15- $209,565
6/1/15- $223,876
7/1/15- $232,773
8/1/15- $232,675
Damn! First negative month this year.
In on this challenge.Every year should be better than the last. Compounding. :)
January 30, 2015: $85K
Today: $104K
At my current salary and living arrangements, a conservative estimate says I can save about $30K savings per year. So it may take me a little while to complete this challenge.
Post by: Uncle Scrooge on August 18, 2015, 10:27:09 AM
dumb question sorry is this $250000 in cash savings or total net worth?
Net worth
Post by: PFHC on August 29, 2015, 11:12:47 PM
We have made some fun gains in the past four years. Started with -$163,000 in 2011. We are now at:
Aug 2015: $133,000.
Post by: zephyr911 on August 30, 2015, 01:26:54 AM
Oh well, I just surpassed $1K/wk savings. Fuck yeah.
Post by: Teacherstache on August 30, 2015, 08:49:01 PM
January 2015 = $138,250
August 2015 = $162,400
This does not count the value of our vehicles. That would add another 40,000 ($10,000 of which is a collector's sports car - I debated adding that one in since it is an appreciating asset.)
This does count the refundable employee contribution portion of our pensions, but not what they are worth in retirement. If we both quit work tomorrow, we could cash out $50,000 immediately and void the pensions, so I included this amount.
This holds the value of our house consistent from the beginning of the year, even though that has not been the case on Zillow. It says we are up $10,000 from January, but I don't believe that and am not counting the increase.
We are averaging about a $3,000/month increase. Slow but steady!
Post by: ohyonghao on August 31, 2015, 04:35:09 PM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
A little disappointed this month, but excited about the sale. Sadly it seems to have recovered mostly, I should had moved our monthly transactions up as soon as it fell on Friday or Monday, oh well, there's always next cycle.
Despite all of that, and a cooling real estate season, we are still up $3600 for the month. This was our first real test of the market, but as stocks started going down our reaction was a little sad, but at the same time wishing we had more money to throw at it.
Post by: oinkette on September 01, 2015, 02:02:58 PM
Aug 3- $127,830.39
Sep 1- $126,775.24 (boo!)
It has been going down most of the day today. Looks like my plans to break $150K by years end have met a wee little obsticle. But on the bright side I have more shares than last month!
Post by: 2Birds1Stone on September 01, 2015, 02:30:30 PM
I'm absolutely in!
Investable Assets are right at $99-100k as of this month. Net worth is ~20k higher.
Investable assets up to ~$109k as of yesterday, NW ~$120k
Slower than I would have liked
Post by: gecko10x on September 01, 2015, 03:15:08 PM
Feb 2015: $160k
Mar 2015: $179k
Apr 2015: $183k
May 2015: $186k
Jun 2015: $189k
July 2015: $195k
Aug 2015: $198k
It would have been much lower if I hadn't had a bunch of un-booked market gains. I plan to record the adjustments monthly now, so my progress will likely be a bit more volatile going forward.
Post by: Prairie Gal on September 01, 2015, 08:10:23 PM
September 1, 2015 $100,370
Post by: ender on September 03, 2015, 07:38:10 PM
Should pick up a bunch of cash the next four months though.
Post by: tomatoprincess on September 03, 2015, 10:05:11 PM
Jan 2015: $155,423.35
Feb 2015: $162,621.85
Mar 2015: $170,504.78
Apr 2015: $175,411.25
May 2015: $178,730.79
Jun 2015: $185,369.00
Jul 2015: $188,989.17
Aug 2015: $189,768.06
Hoping to hit 200k by the end of the year, but I will soon be unemployed end of October...so we shall see!
Post by: FIreDrill on September 09, 2015, 05:12:54 PM
Jan 2015: $113,226
Feb 2015: $120,796
March 2015: $125,852
April 2015: $134,096
May 2015: $147,916
June 2015: $151,413
July 2015: $159,678
August 2015: $152,854
Post by: SeattleStache on September 23, 2015, 04:01:26 PM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
(Overall NW = $178,748)
Haven't made too much movement with the way the market has been lately and with me scaling back contributions temporarily due to some unexpected expenses. I'll increase contributions again by the end of October.
Post by: etotheix on September 28, 2015, 08:40:42 PM
$225k NW as of September 1, 2015
Post by: ohyonghao on September 29, 2015, 06:40:30 PM
Pretty close to the upper limit, but the way the market seem to be headed it could take a while to break the $250k ceiling... I just switched to maxing out my 401k contribution (25%) for the rest of the year, so hopefully I can make a little progress despite the "headwinds." (or long term tailwind!)
$225k NW as of September 1, 2015
Great to have you here! Doesn't matter how far along on this journey we are. The last couple months the only forward momentum I've had is my house and the sheer amount that I set aside each month. Often it feels like the machine is just eating anything I through in it. And to think I was worried about missing out on the recent sales.
Post by: VTD0918 on September 30, 2015, 11:15:18 AM
$110k NW as of September 30, 2015. Hopefully, my goal is to hit the $250k target by the end of 2017. I don't own a home so the amounts posted here are from my taxable and tax deferred accounts plus my contributions (so far $18k) to my pension as a state employee.
Post by: codemonkey on September 30, 2015, 11:19:39 AM
I would like to join this thread...
$110k NW as of September 30, 2015. Hopefully, my goal is to hit the $250k target by the end of 2017. I don't own a home so the amounts posted here are from my taxable and tax deferred accounts plus my contributions (so far $18k) to my pension as a state employee.
I'm a couple thousand ahead of you and I'm also targeting the end of 2017 to finally cross the 250k mark in investment accounts. Welcome to the thread!
Post by: ohyonghao on September 30, 2015, 04:30:56 PM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
The upwards momentum has been slightly stunted due to market woes, but it just means more stuff on sale! At least I've lost less than what I've put in each month, so it's overall a positive, but of resent months it is the lowest amount I have seen.
This month we have applied to have our PMI removed from our mortgage, less than 6 months after refinancing, as we have now dropped below 80%. Hopefully starting next month, but perhaps starting in November due to paying in arrears, we'll be saving $27.80 a month :-D
In other news Taiwan has a report showing that annual living costs are at $607/mo/person, which puts us at needing only an income of $1214/mo to retire. That includes housing, which we wouldn't have to pay for since we would be living with her parents and sisters, other shared expenses should be lower too, but keeping with the average we should have a nice buffer.
Edit: Forgot to update my house equity and just realized that today
Post by: Prairie Gal on September 30, 2015, 07:56:51 PM
Sept 100,370 250,000 350,370
Oct 101,552 250,000 351,552
It's times like this, when the market is dipping, that I am glad I am conservative and have some money in cash and GIC's. When the market is skyrocketing, then it is not so much fun.
Post by: Uncle Scrooge on October 01, 2015, 06:08:52 AM
Feb 1, 2015: $114,700
March 1,2015: $119,400
April 1,2015: $132,700
May 1,2015: $138,000
June 1,2015: $140,600
July 1,2015: $139,600
August 1,2015 $130,700
Sept 1, 2015 $130,240
Oct 1, 2015 $129,050
Gotta love that market.
Post by: BBub on October 01, 2015, 06:40:36 AM
I'll join! Tracking liquid investments only:
Jun 2014: $100k
Sep 2014: $130k
Dec 2014: $155k
Mar 2015: $186k
Jun 2015: $219k
Hopefully will break $250 by end of 3rd quarter! If so, total time will have been 15 months.
Sep 2015: $224k
Ditto, Uncle Scrooge.
Post by: zephyr911 on October 01, 2015, 08:27:42 AM
I check NW every now and then but only log it quarterly.
3/25/15: $238,399
6/24/15: $239,882
9/30/15: $221,097
Despite increasing SR the entire time and adding over $15K. *headdesk*
Fuck it, time to double down. Stocktober will see $5K in new TSP shares and plenty of continued debt reduction. Middle finger in the air to the sucka treadmill.
Post by: Jon_Snow on October 01, 2015, 09:00:24 AM
Post by: gecko10x on October 02, 2015, 06:13:10 AM
Jan 2015: $156k
Feb 2015: $160k
Mar 2015: $179k
Apr 2015: $183k
May 2015: $186k
Jun 2015: $189k
July 2015: $195k
Aug 2015: $198k
Sept 2015: $202k
Post by: YoungGranny on October 02, 2015, 10:55:31 AM
Sept 1: $81,575
Oct 1: $100,687
Odd month since I had a big bump to home equity. Hoping to save around $30,000 per year. Excited to get started :)
Post by: etotheix on October 02, 2015, 02:39:58 PM
$223k NW as of October 1, 2015
... Eventually she'll turn around.
Post by: PFHC on October 04, 2015, 04:31:47 AM
This post is an inspiration! You all rock!I changed up my house value on Mint to make this more accurate. For some reason, the Zestimate value of my house swings wildly, sometimes as much a $15k/wk. So, I put in a solid value of what it is realistically worth. After redoing my entryway, I plan to have it appraised so as to get rid of PMI (gross, I know). If the value changes, I'll note it here.
We have made some fun gains in the past four years. Started with -$163,000 in 2011. We are now at:
Aug 2015: $133,000.
Sept 30, 2015: $147,097
As a note, no I did not add $14,000 in one month, the change in value reflects the correction for my house value.
I thought I'd add my net worth growth from the 1st of each month for the last 2.25 years.
Jun-13 $1,947.44
Jul-13 $3,733.52
Aug-13 $6,321.60
Sep-13 $8,983.74
Oct-13 $11,676.68
Nov-13 $14,305.93
Dec-13 $16,872.05
Jan-14 $19,701.18
Feb-14 $22,927.07
Mar-14 $25,475.76
Apr-14 $28,150.42
May-14 $31,147.07
Jun-14 $56,969.80
Jul-14 $67,896.24
Aug-14 $70,438.74
Sep-14 $72,584.03
Oct-14 $85,867.88
Nov-14 $89,257.31
Dec-14 $91,670.84
Jan-15 $95,212.55
Feb-15 $99,718.31
Mar-15 $102,037.35
Apr-15 $105,106.52
May-15 $107,645.84
Jun-15 $113,805.38
Jul-15 $125,572.50
Aug-15 $134,237.63
Sep-15 $136,280.99
Post by: JustGettingStarted1980 on October 05, 2015, 04:45:07 PM
I've been following, might as well follow:
Jan-12 $-190,914.14
Jan-13 $-84,421.72
Jan-14 $9,740.26
Jan-15 $109,406.95
April-15 $133,400.00
July-15 $179,961.40
Oct-15 $207,727.22 Headwinds be damned, it's all about the savings rate and student loan payoffs
Post by: turketron on October 07, 2015, 08:19:29 PM
April 2015: $98k
May 2015: $111k
June 2015: $112k
July 2015: $113k
Aug 2015: $113k
Sept 2015: $116k
Post by: SeattleStache on October 09, 2015, 01:19:35 PM
I'll join! I'm focusing on retirement related investments only and this doesn't include my home or other assets:
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
(Overall NW = $178,748)
Haven't made too much movement with the way the market has been lately and with me scaling back contributions temporarily due to some unexpected expenses. I'll increase contributions again by the end of October.
September 2015: $103,731
Post by: FrugalFan on October 13, 2015, 06:40:42 PM
Post by: PFHC on October 28, 2015, 07:47:17 PM
Oct 28, 2015: $153,200This post is an inspiration! You all rock!I changed up my house value on Mint to make this more accurate. For some reason, the Zestimate value of my house swings wildly, sometimes as much a $15k/wk. So, I put in a solid value of what it is realistically worth. After redoing my entryway, I plan to have it appraised so as to get rid of PMI (gross, I know). If the value changes, I'll note it here.
We have made some fun gains in the past four years. Started with -$163,000 in 2011. We are now at:
Aug 2015: $133,000.
Sept 30, 2015: $147,097
As a note, no I did not add $14,000 in one month, the change in value reflects the correction for my house value.
I thought I'd add my net worth growth from the 1st of each month for the last 2.25 years.
Jun-13 $1,947.44
Jul-13 $3,733.52
Aug-13 $6,321.60
Sep-13 $8,983.74
Oct-13 $11,676.68
Nov-13 $14,305.93
Dec-13 $16,872.05
Jan-14 $19,701.18
Feb-14 $22,927.07
Mar-14 $25,475.76
Apr-14 $28,150.42
May-14 $31,147.07
Jun-14 $56,969.80
Jul-14 $67,896.24
Aug-14 $70,438.74
Sep-14 $72,584.03
Oct-14 $85,867.88
Nov-14 $89,257.31
Dec-14 $91,670.84
Jan-15 $95,212.55
Feb-15 $99,718.31
Mar-15 $102,037.35
Apr-15 $105,106.52
May-15 $107,645.84
Jun-15 $113,805.38
Jul-15 $125,572.50
Aug-15 $134,237.63
Sep-15 $136,280.99
About to drop $20k on house improvements... so this is going to drop then stagnate some here for the winter.
Post by: FiguringItOut on October 29, 2015, 09:56:41 AM
I'm joining in. This is my entire NW, aprox $13.5K student loan, no mortgage (renter), no other debt. These include IRAs, 401k, HSA, and cash.
2015 - started tracking in June on the last day of the month, so June 30th, July 31, etc.
June $105,555
July $111,622, $6,067 increase
Aug $112,531, $909 increase
Sept $109,560, $2,971 decrease
Will post October this weekend.
Post by: Enough on October 29, 2015, 10:02:22 AM
Slow and Steady
Jan-15 $103,510
Feb-15 $104,580
Mar-15 $113,223
Apr-15 $118,072
May-15 $122,214
Jun-15 $124,279
Jul-15 $126,969
Guessing that I'll hit it March 2018.
Aug-15 $121,517
Sep-15 $119,105
Oct-15 $130,210
Post by: zephyr911 on October 29, 2015, 10:04:06 AM
I was close in the spring and fell back nearly $20K despite record SR%... stash is recovering now and just holding steady on SR should hit $250K by year's end. Any upward move in the market would be icing on the cake.
3/15 $238,399
6/15 $238,882
9/15 $222,175
12/15 $258,213 projected
Post by: FrugalFan on October 29, 2015, 11:41:51 AM
Headwinds is right! Damn!
I was close in the spring and fell back nearly $20K despite record SR%... stash is recovering now and just holding steady on SR should hit $250K by year's end. Any upward move in the market would be icing on the cake.
3/15 $238,399
6/15 $238,882
9/15 $222,175
12/15 $258,213 projected
By year's end? Wow! You're moving fast despite the headwinds. We are at $225k now, but won't be at $250k until sometime next year. Earlier than my initial prediction of the end of 2016 I suspect, unless the market takes a dive.
Post by: zephyr911 on October 29, 2015, 12:33:37 PM
By year's end? Wow! You're moving fast despite the headwinds. We are at $225k now, but won't be at $250k until sometime next year. Earlier than my initial prediction of the end of 2016 I suspect, unless the market takes a dive.I have tailwinds too: tenants paying down rental mortgages for me, and DW covering our own house payment to free up my income to invest.
Sep was a low point; as of today, I'm around 240k via share rebounds and increasing SR in Stocktober. Five more paychecks and two more sets of rent checks should just do it. Market gains would pad the margin, losses would delay it, but either way - we'll get there.
Post by: 2Birds1Stone on October 29, 2015, 12:43:31 PM
I'm absolutely in!
Investable Assets are right at $99-100k as of this month. Net worth is ~20k higher.
Investable assets up to ~$109k as of yesterday, NW ~$120k
Slower than I would have liked
Investable up to $138k thanks to high savings rate and high commission =D
Post by: ohyonghao on October 29, 2015, 03:37:20 PM
We accidentally made a principal payment on our house this month as our PMI got cancelled after we had sent in the check, so they just applied it to principal. Won't change our maturity date I'm sure, and I'm really happy to have gone from over $200+ in MIP, to $27.80 in PMI after refinance, to not paying the bank to insure our loan.
Post by: FiguringItOut on October 30, 2015, 08:47:16 AM
I love this thread! Awesome job everyone!
I'm joining in. This is my entire NW, aprox $13.5K student loan, no mortgage (renter), no other debt. These include IRAs, 401k, HSA, and cash.
2015 - started tracking in June on the last day of the month, so June 30th, July 31, etc.
June $105,555
July $111,700, $6,145 increase
Aug $112,494, $793 increase
Sept $109,536, $2,958 decrease
Will post October this weekend.
I'll be busy this weekend, so October numbers are in as of today.
Oct $117,581, $8,021 increase.
I'm sitting here scratching my head. Where the heck did I get $8 grand to stash away.
There is a small possibility that my September numbers were a little off and should be just a bit higher. Not a big deal in a grand scheme of things.
Post by: zephyr911 on October 30, 2015, 09:26:24 AM
Houses have hit the market in our neighborhood now at 300k and 309k, hoping they sell, currently the house is pegged at a Zestimate of 266k, but I'm sure if we decided to sell it would be going for more like the 300k figure. Recently Zillow changed our forecasted change in value to just over 4% for the next year, down from the previous 10.7%, though I have a feeling they'll be wrong as even a modest 1% over the time period from when the house first sold until now would get it to 320k, which is where I expect it to reach before cooling down, but I may be biased.Zestimates are crap. I've seen them off by as much as 100% in transitional neighborhoods.
List prices are interesting but still don't establish value; selling prices can be useful, as long as you have enough internal details on each property to adjust the value of your own for the differences, but are still just part of the picture.
If you're serious about selling soon, ask a local agent for comparative market analysis (or whatever their local version is called). A good one will give you almost as much information as a paid appraisal, and it should be available for free. For a more cursory look, have them pull you an active/sold report for your neighborhood. None of this requires any payment, commitment, or agency agreement.
Post by: BBub on October 30, 2015, 09:42:48 AM
Post by: zephyr911 on October 30, 2015, 10:08:31 AM
Post by: RWD on October 31, 2015, 03:13:01 PM
Post by: Prairie Gal on October 31, 2015, 08:10:41 PM
Oct 101,552
Nov 105,260
Post by: BarbeRiche on October 31, 2015, 10:14:10 PM
Age : 27 (both gf and I)
NW : 125k
We pretty much had 0-5k at the beggining of 2013. I calculated that our NW will grow by about 80k this year which is pretty crazy! Salaries are decent/good (150k family income).
2015 :
+19.5k home equity (3 appartments building-525k mortgage with 2.05% interest)
+13k (pension plan and stocks)
+16.4k RRSP (will add 8k by year's end)
+23.5k TFSA
-doesn't include potential price increase of the rental property
-------
total : 80.4k
Post by: turketron on November 01, 2015, 12:44:03 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
Post by: etotheix on November 01, 2015, 04:16:33 PM
$223k NW as of October 1, 2015
$229k NW as of November 1, 2015
Thank you Mr. Market for reversing the losses of the previous month. =)
Post by: Uncle Scrooge on November 02, 2015, 05:26:32 AM
Feb 1, 2015: $129,700
March 1,2015: $134,400
April 1,2015: $147,700
May 1,2015: $153,000
June 1,2015: $155,600
July 1,2015: $141,600
August 1,2015 $145,700
Sept 1, 2015 $145,240
Oct 1, 2015 $144,100
Nov 1,2015 $157,000
I had to go back and revise some of my numbers. I had my house appraised and it came in at 15k higher than I had it estimated.
Post by: gecko10x on November 02, 2015, 09:07:48 AM
Jan 2015: $156k
Feb 2015: $160k
Mar 2015: $179k
Apr 2015: $183k
May 2015: $186k
Jun 2015: $189k
July 2015: $195k
Aug 2015: $198k
Sept 2015: $201k
Oct 2015: $209k
Post by: BBub on November 02, 2015, 09:21:31 AM
Tracking liquid investments only:
Jun 2014: $100k
Sep 2014: $130k
Dec 2014: $155k
Mar 2015: $186k
Jun 2015: $219k
Sep 2015: $224k
Oct 2015: $246k
So close.
Post by: ohyonghao on November 02, 2015, 09:34:12 AM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
Just $12 short of $11k. Really love these 5 paycheck months.
It's nice to be able to talk freely and openly about money. It motivates me to see other people heading in the same direction!
Yeah, I really like this forum too. People at work don't talk much about finances, or financial planning, and don't get excited about retiring while young. It really is inspirational to see the progress everyone is making here.
Post by: YoungGranny on November 02, 2015, 10:47:03 AM
Sept 1: $81,575
Oct 1: $100,687
Nov1: $105,779
Post by: zephyr911 on November 02, 2015, 10:51:24 AM
I've more or less locked in a real estate deal that should close in December, which would just be icing on the cake... roughly $2K after broker's cut.
Post by: BarbeRiche on November 02, 2015, 12:16:12 PM
Yeah, I really like this forum too. People at work don't talk much about finances, or financial planning, and don't get excited about retiring while young. It really is inspirational to see the progress everyone is making here.
Congratz on the progress!
So true. I believe they don't get excited because they think it's impossible. There's no way...you can't...how could you...but you'll eat ramen soups all day long and stare at a wall all day? I guess it's a normal reaction when you live paycheck by paycheck.
MMM said that people overestimate the amount they need. A friend of the family (women in her fifties, healthy, husband, house and 1 child) said that she would need 3 Millions to retire...I was a bit blown away by the amount.
Post by: ohyonghao on November 02, 2015, 03:04:43 PM
My wife recently read an article from a financial adviser in Taiwan who suggested that at minimum people would need $600,000 USD, on top of housing, in order to retire. Just over a month ago I saw an article showing that the average COL in Taiwan is $607 USD (including housing). I guess he must be going off parking all your money in a low interest bearing account with only about a 1.2% yield. Or in other words, people could retire with about $150k-300k, about a quarter to half the amount that the financial advisers are saying is required. This in a country with universal health care and where craigslist is basically non-existent because a large amount of the people take the first two R's to heart before Recycling.Yeah, I really like this forum too. People at work don't talk much about finances, or financial planning, and don't get excited about retiring while young. It really is inspirational to see the progress everyone is making here.
Congratz on the progress!
So true. I believe they don't get excited because they think it's impossible. There's no way...you can't...how could you...but you'll eat ramen soups all day long and stare at a wall all day? I guess it's a normal reaction when you live paycheck by paycheck.
MMM said that people overestimate the amount they need. A friend of the family (women in her fifties, healthy, husband, house and 1 child) said that she would need 3 Millions to retire...I was a bit blown away by the amount.
Post by: Lynski on November 03, 2015, 12:13:23 AM
Jan: $111,693.57
Feb: $116,784.43
Mar: $116,685.92
Apr: $120,153.18
May: $121,382.19
Jun: $121,084.92
Jul: $125,286.36
Aug: $122,422.18
Sep: $120,142.72
Oct: $126,216.32
Will close on my first house this month and hope that will help me move the needle quicker with funds going toward home equity rather than rent.
Post by: indentured4now on November 05, 2015, 06:32:36 AM
Post by: BBub on November 10, 2015, 04:11:48 PM
Tracking liquid investments only:
Jun 2014: $100k
Sep 2014: $130k
Dec 2014: $155k
Mar 2015: $186k
Jun 2015: $219k
Sep 2015: $224k
Oct 2015: $246k
So close.
Done. 17 months.
I'll go start the 250 to 500k thread. See you all there soon!
Post by: FIreDrill on November 10, 2015, 04:38:03 PM
Tracking liquid investments only:
Jun 2014: $100k
Sep 2014: $130k
Dec 2014: $155k
Mar 2015: $186k
Jun 2015: $219k
Sep 2015: $224k
Oct 2015: $246k
So close.
Done. 17 months.
I'll go start the 250 to 500k thread. See you all there soon!
Congrats! Now go get that new thread started!
SS
Post by: indentured4now on November 11, 2015, 06:46:42 AM
Done. 17 months.
I'll go start the 250 to 500k thread. See you all there soon!
[/quote]
@BBub, Badass staching there in less than 18 months. Awesome!!
Post by: indentured4now on November 11, 2015, 06:50:27 AM
Nov, 2015 -$98K
Post by: BBub on November 11, 2015, 06:59:13 AM
indentured4now: Appreciate the props! I've enjoyed seeing you kick ass over on the Mortgage Payoff thread.
Post by: JustGettingStarted1980 on November 11, 2015, 08:34:13 AM
Great trends overall, and I'd like to mention that MMM is right! It's all about the savings rate, and the market is just the bonus. This is especially true early on in the process (1st 3-7 years), where compound interest hasn't really had a chance to get snowballing yet.
Post by: BBub on November 11, 2015, 08:58:14 AM
Post by: FrugalFan on November 11, 2015, 09:25:50 AM
Post by: FIreDrill on November 11, 2015, 10:30:12 AM
Jan 2015: $113,226
Feb 2015: $120,796
March 2015: $125,852
April 2015: $134,096
May 2015: $147,916
June 2015: $151,413
July 2015: $159,678
August 2015: $152,854
September 2015: $157,447
October 2015: $171,938
November should be a good month due to an expected several thousand in bonuses and December will be highly inflated because that's when I will re-adjust our home value in Personal Capital (15k increase).
SS
Post by: Guava on November 11, 2015, 01:24:09 PM
July: $121,874
August: $106, 173
September: $109,316
October: $115,231
Post by: Guizmo on November 11, 2015, 04:54:11 PM
Nov 15 ~ $131,000
Post by: northernlights on November 13, 2015, 08:38:38 PM
Net worth November 2015: $121644.56
We lost a fair chunk in the market, but we're still moving in the right direction and I just paid off some sucka consumer debt.
Post by: moneysaver on November 15, 2015, 06:00:54 PM
November 2015- $197,000
This is including the equity in my house.
I bring home an average pay of about $59,000/ year. I am behind some on this site but I am trying to catch up and think this challenge will be helpful!
Post by: retireatbirth on November 28, 2015, 10:52:09 PM
June 2015: $120,300
July 2015: $120,800
August 2015: $125,300
December 1, 2015: $137,000
Post by: FiguringItOut on November 30, 2015, 05:51:25 AM
I love this thread! Awesome job everyone!
I'm joining in. This is my entire NW, aprox $13.5K student loan, no mortgage (renter), no other debt. These include IRAs, 401k, HSA, and cash.
2015 - started tracking in June on the last day of the month, so June 30th, July 31, etc.
June $105,555
July $111,700, $6,145 increase
Aug $112,494, $793 increase
Sept $109,536, $2,958 decrease
Will post October this weekend.
I'll be busy this weekend, so October numbers are in as of today.
Oct $117,581, $8,021 increase.
I'm sitting here scratching my head. Where the heck did I get $8 grand to stash away.
There is a small possibility that my September numbers were a little off and should be just a bit higher. Not a big deal in a grand scheme of things.
Nov $121,142, $3,855 increase
Post by: PFHC on November 30, 2015, 06:31:36 AM
Nov 30, 2015: $155,986Oct 28, 2015: $153,200
Aug 2015: $133,000.
Sept 30, 2015: $147,097
...despite being knee deep in our kitchen remodel.
Post by: ohyonghao on November 30, 2015, 04:24:55 PM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
Increase of $5,619.66. Stocks fell a bit today or else we may have gotten a bit higher this month, but that just means that Wall St. is participating in Cyber Monday sales :-D. I didn't buy anything for Black Friday, so I'll just take this deal instead.
Post by: Prairie Gal on November 30, 2015, 08:58:16 PM
Oct 1, 2015 101,552 1,182
Nov 1, 2015 105,260 3,708
Dec 1, 2015 107,316 2,056
Post by: FrugalFan on December 01, 2015, 06:04:06 AM
Jul 2015 196,553
Aug 2015 192,205
Sep 2015 188,724
Oct 2015 207,028
Nov 2015 240,500
Whoa I didn't think we'd get that close this year! Makes me want to push to get to 250k before the new year! This does include 7500 in RESP's for our kids. And it will drop by about 3.4 k in deferred sales charges as I am in the process of moving our investments from Edward Jones to Questrade.
Post by: YoungGranny on December 01, 2015, 06:17:02 AM
Sept 1: $81,575
Oct 1: $100,687
Nov1: $105,779
Dec 1: $108,880 (+$3,300)
Honestly while I'm happy with a $3k gain I know that it could've been a bit higher this month. Need to start prioritizing my money better. I suppose that's why this is a journey :)
Post by: turketron on December 01, 2015, 08:03:37 AM
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
Post by: Apples on December 01, 2015, 08:13:26 AM
Oct 31/Nov 1 2015: $101,701.11 --- gain of $8,228.48
Nov 30/Dec 1 2015: $106,488.64 --- gain of $4,787.53
Post by: Uncle Scrooge on December 01, 2015, 08:32:59 AM
Jan 1, 2015: $125,000
Feb 1, 2015: $129,700
March 1,2015: $134,400
April 1,2015: $147,700
May 1,2015: $153,000
June 1,2015: $155,600
July 1,2015: $141,600
August 1,2015 $145,700
Sept 1, 2015 $145,240
Oct 1, 2015 $144,100
Nov 1,2015 $157,000
December 1,2015 $157,600
It barely budged this month. I refinanced my house and had to write a decent sized check....
Hopefully I will see my NW move in December :)
Post by: ohyonghao on December 01, 2015, 10:57:53 AM
December 1,2015 $157,600
It barely budged this month. I refinanced my house and had to write a decent sized check....
Hopefully I will see my NW move in December :)
Congratulations on the refinance!
When we refinanced in March we saw a dip in our NW for the first time, followed by a quick rebound since there is a skipped payment. We're in such a better position now though, and going from 800+/mo interest with 400 principal to 800+/mo principal and 400 interest was worth it.
Post by: SeattleStache on December 01, 2015, 12:30:41 PM
I'll join! I'm focusing on retirement related investments only and this doesn't include my home or other assets:
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
(Overall NW = $178,748)
Haven't made too much movement with the way the market has been lately and with me scaling back contributions temporarily due to some unexpected expenses. I'll increase contributions again by the end of October.
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
Post by: FIreDrill on December 01, 2015, 12:36:05 PM
Jan 2015: $113,226
Feb 2015: $120,796
March 2015: $125,852
April 2015: $134,096
May 2015: $147,916
June 2015: $151,413
July 2015: $159,678
August 2015: $152,854
September 2015: $157,447
October 2015: $171,938
November 2015: $181,198
SS
Post by: BarbeRiche on December 01, 2015, 08:28:12 PM
It's nice to be able to talk freely and openly about money. It motivates me to see other people heading in the same direction!
Age : 27 (both gf and I)
NW : 125k (October 31th)
@130k as of December 1st
Actually...I'm at 131k (decided to roll my change lol). Altough I'm thinking of actually just waiting a bit more and donating it to charity.
(http://imgur.com/rU2OOw9)
Post by: BarbeRiche on December 01, 2015, 08:29:00 PM
It's nice to be able to talk freely and openly about money. It motivates me to see other people heading in the same direction!
Age : 27 (both gf and I)
NW : 125k (October 31th)
@130k as of December 1st
Actually...I'm at 131k (decided to roll my change lol). Altough I'm thinking of actually just waiting a bit more and donating it to charity.
(http://i.imgur.com/rU2OOw9.jpg)
Post by: ohyonghao on December 02, 2015, 01:19:09 AM
It's nice to be able to talk freely and openly about money. It motivates me to see other people heading in the same direction!
Age : 27 (both gf and I)
NW : 125k (October 31th)
@130k as of December 1st
Actually...I'm at 131k (decided to roll my change lol). Altough I'm thinking of actually just waiting a bit more and donating it to charity.
(http://i.imgur.com/rU2OOw9.jpg)
I say you should try a Scrooge McDuck with it first before donating :-D
Post by: Uncle Scrooge on December 02, 2015, 05:31:06 AM
December 1,2015 $157,600
It barely budged this month. I refinanced my house and had to write a decent sized check....
Hopefully I will see my NW move in December :)
Congratulations on the refinance!
When we refinanced in March we saw a dip in our NW for the first time, followed by a quick rebound since there is a skipped payment. We're in such a better position now though, and going from 800+/mo interest with 400 principal to 800+/mo principal and 400 interest was worth it.
Yeah, I am really looking forward to the long term savings. We also decided not to have an escrow account anymore. Our town allows property tax payments via credit card, so I am going to be taking advantage of cash-back rewards. Between taxes and home insurance, I should see a yearly savings of around 140 or 150 dollars after processing fees. It doesn't sound like alot, but hey...every dollar counts.
Post by: Uncle Scrooge on December 02, 2015, 05:32:56 AM
It's nice to be able to talk freely and openly about money. It motivates me to see other people heading in the same direction!
Age : 27 (both gf and I)
NW : 125k (October 31th)
@130k as of December 1st
Actually...I'm at 131k (decided to roll my change lol). Altough I'm thinking of actually just waiting a bit more and donating it to charity.
(http://i.imgur.com/rU2OOw9.jpg)
I say you should try a Scrooge McDuck with it first before donating :-D
I approve of this message.
Post by: gecko10x on December 07, 2015, 07:57:51 AM
Feb 2015: $160k
Mar 2015: $179k
Apr 2015: $183k
May 2015: $186k
Jun 2015: $189k
July 2015: $195k
Aug 2015: $198k
Sept 2015: $201k
Oct 2015: $209k
Nov 2015: $212k
Post by: TheAnonOne on December 07, 2015, 12:28:43 PM
Race to 350k anyone?
June 210k
Jul 217k
Aug 220k
Sept 225k
Oct 233k
Nov 241k
Dec 252k
If anyone is expecting fireworks, I am sad to report, none happened.
Post by: BBub on December 07, 2015, 12:52:06 PM
A $250 to 500k thread was started a few weeks back. You should join.
Post by: TheAnonOne on December 08, 2015, 12:59:44 PM
Nice work! At age 25 is very impressive.
A $250 to 500k thread was started a few weeks back. You should join.
Joined! Thanks.
250 to 500 will take quite a bit longer than 100 to 250! Hopefully, it is faster than I think it will be!
Post by: psinguine on December 08, 2015, 08:30:59 PM
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
Couple more paycheques to come in yet this year but they won't move much. That's upward movement of $46,000 this year. That's whilst displacing about $25,000 worth of debts, which doesn't affect Net Worth but the act of getting rid of it will free up that $25,000 in 2016. And considering where we started from... well suffice it to say I just quadruple checked my math here. In 2016, with the removal of all that nasty debt hanging over our heads and the inclusion of full time employment for both of us we should really be able to move the needle.
Post by: BarbeRiche on December 08, 2015, 08:36:52 PM
Nice work! At age 25 is very impressive.
A $250 to 500k thread was started a few weeks back. You should join.
Joined! Thanks.
250 to 500 will take quite a bit longer than 100 to 250! Hopefully, it is faster than I think it will be!
Congratz on the impressive numbers!
Do you have a big portion of that invested in the market?
Post by: Vertical Mode on December 08, 2015, 08:38:16 PM
Post by: TheAnonOne on December 08, 2015, 10:04:53 PM
Nice work! At age 25 is very impressive.
A $250 to 500k thread was started a few weeks back. You should join.
Joined! Thanks.
250 to 500 will take quite a bit longer than 100 to 250! Hopefully, it is faster than I think it will be!
Congratz on the impressive numbers!
Do you have a big portion of that invested in the market?
About 160k market (mostly VTSAX taxable)
The other 100k is our car+small townhouse (house worth 130k but with 68k mortgage)
Post by: TheAnonOne on December 08, 2015, 10:08:58 PM
I haven't clocked in here yet, even though it was suggested. As such:
.....
Couple more paycheques to come in yet this year but they won't move much. That's upward movement of $46,000 this year. That's whilst displacing about $25,000 worth of debts, which doesn't affect Net Worth but the act of getting rid of it will free up that $25,000 in 2016. And considering where we started from... well suffice it to say I just quadruple checked my math here. In 2016, with the removal of all that nasty debt hanging over our heads and the inclusion of full time employment for both of us we should really be able to move the needle.
Net worth is assets minus liabilities.... so paying off debt or investing will both equally move your net worth.
For instance, I just hit 250k net worth. However, I have something like 380k worth of assets and 130k worth of debt. Only 160/250 is in the market, the other 90k is the home equity and vehicle value.
--------------------------
To add a further example. If tomorrow, I were to get a paycheck worth 130k deposited into my checking account. My net worth at that moment would become 380k (250 + 130)
At that moment, I have two options, pay off my 130k debt or invest the 130k. In both instances, my net worth would remain 380k.
Post by: psinguine on December 08, 2015, 11:03:11 PM
I haven't clocked in here yet, even though it was suggested. As such:
.....
Couple more paycheques to come in yet this year but they won't move much. That's upward movement of $46,000 this year. That's whilst displacing about $25,000 worth of debts, which doesn't affect Net Worth but the act of getting rid of it will free up that $25,000 in 2016. And considering where we started from... well suffice it to say I just quadruple checked my math here. In 2016, with the removal of all that nasty debt hanging over our heads and the inclusion of full time employment for both of us we should really be able to move the needle.
Net worth is assets minus liabilities.... so paying off debt or investing will both equally move your net worth.
For instance, I just hit 250k net worth. However, I have something like 380k worth of assets and 130k worth of debt. Only 160/250 is in the market, the other 90k is the home equity and vehicle value.
--------------------------
To add a further example. If tomorrow, I were to get a paycheck worth 130k deposited into my checking account. My net worth at that moment would become 380k (250 + 130)
At that moment, I have two options, pay off my 130k debt or invest the 130k. In both instances, my net worth would remain 380k.
Whoops. Yeah for some reason I blanked hard on that one. And I do know what you mean.
For example. We paid off the vast majority of the debt (including amounts I didn't bother to include because they were to private persons) using assets accrued during the year, which would move Net Worth upward. However, the act of liquidating the pre existing TFSA to pay the high interest loan didn't effect NW because they just cancelled each other out.
Post by: dmbfan4life20 on December 11, 2015, 08:10:06 AM
December 2015- $183,888.98
Post by: Teacherstache on December 13, 2015, 12:57:58 PM
January 2015 = $138,250
August 2015 = $162,400
November 2015 = $173,500
Post by: indentured4now on December 28, 2015, 07:33:06 AM
Post by: jesse_runs_far on December 28, 2015, 07:43:18 AM
Dec 28 2015:
Investments: $149,046
Non-mortgage debt: $27,145
NW: $121,901
Post by: FiguringItOut on December 30, 2015, 10:34:01 PM
July $111,700, $6,145 increase
Aug $112,494, $793 increase
Sep $109,536, $2,958 decrease
Oct $117,581, $8,021 increase
Nov $121,142, $3,855 increase
Dec $128,574, $7,442 increase
$23K increase since end of June.
Post by: PFHC on December 31, 2015, 05:56:44 AM
Aug 2015: $133,000.
Sept 30, 2015: $147,097
Oct 28, 2015: $153,200
Nov 30, 2015: $155,986
Dec 31, 2015: $154,299
First negative growth since 2011, but I dumped $16,000 into my kitchen this month. By February I hope to begin climbing strong again.
Post by: PFHC on December 31, 2015, 05:58:45 AM
Aug 2015: $133,000.
Sept 30, 2015: $147,097
Oct 28, 2015: $153,200
Nov 30, 2015: $155,986
Dec 31, 2015: $154,299
First negative growth since 2011, but I dumped $16,000 into my kitchen this month. By February I hope to begin climbing strong again.
And, I'm thinking when I appraise the house this spring/summer it will be valued about 18% higher than it is now.
Post by: Pooplips on December 31, 2015, 06:01:52 AM
Post by: jesse_runs_far on December 31, 2015, 06:25:43 AM
I'd like to join as well. I'm going to leave our mortgage out of it, and our car is paid off.
Dec 28 2015:
Investments: $149,046
Non-mortgage debt: $27,145
NW: $121,901
Dec 31 2015 (Year End!)
Investments: $149,429 (+$383)
Non-mortgage debt: $26,861 (+$284)
NW = $122,568 (+$667)
Made a small payment on the LOC this week :D Looking forward to having this sucker gone in 2016!!!
Post by: Teacherstache on December 31, 2015, 06:43:24 PM
January 2015 = $138,250
August 2015 = $162,400
November 2015 = $173,500
December 2015 = $178,800
I found MMM in January of this year and went to work tracking, reducing, and optimizing things. I'm really amazed by our progress this year! Hoping for an even better 2016.
Post by: Elisabeth on December 31, 2015, 10:49:35 PM
November 2015: $98,051
December 2015: $122,470
I'd love to reach $250K in the next 2.5-3 years (saving ~5K/month) but hopefully I'll reach that goal sooner by increasing my investments and decreasing my spending. I recently started a new, higher paying job and I'm just starting to track my expenses, investments, savings rate, etc. I don't have any debt, but I'm a renter in a HCOL area and don't really have any assets besides cash/TSFA/RRSP. I'm looking forward to tracking my progress and seeing everyone meet their goals!
Post by: JustGettingStarted1980 on January 01, 2016, 10:54:48 AM
April-15 $133,400.00
July-15 $179,961.40
Oct-15 $207,727.22
Numbers are in!
January-2015 $257,514.77
Challenge completed in about 13 months
Really happy with our family's accomplishment, I would like to thank everyone here on this challenge as well as on the MMM forum for great financial advice and even better motivation! Happy New Year! Now off to the 250K ->500K Challenge...
Post by: Apples on January 01, 2016, 11:10:59 AM
Nov. 1 2015: $101,701.11 --- gain of $8,228.48
Dec 1 2015: $106,488.64 --- gain of $4,787.53
Jan. 1 2016 $107,709.77 --- gain of $1,221.14
The stock market was not helpful this month. Total gain for 2015 was $37,665.73. Barring unforeseen circumstances, we hope to repeat that next year, maybe do a little better. We'll be in this thread for a while! Let the 4 year countdown begin :)
Post by: Prairie Gal on January 01, 2016, 03:17:42 PM
Oct 1, 2015 101,552 1,182
Nov 1, 2015 105,260 3,708
Dec 1, 2015 107,316 2,056
Jan 1, 2016 108,641 1,325
Got a raise at work, so that should increase this year's savings rate. Plus, I am almost finished with the renovations to my house.
Post by: ohyonghao on January 03, 2016, 11:24:54 PM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
Looks like we're ahead of our long term goal by $4,824.70 for the year, which feels great. Next year we're trying a new strategy to loosen up our finances slightly, but have the flexibility to push excess to some tax advantaged accounts if need be.
Post by: YoungGranny on January 04, 2016, 06:38:54 AM
Sept 1: $81,575
Oct 1: $100,687
Nov1: $105,779
Dec 1: $108,880 (+$3,300)
Jan 1: $111,133 (+$2,253)
Market was no help but I suppose I'm going in the right direction! Here's to my first full year in this thread :)
Post by: turketron on January 04, 2016, 06:42:22 AM
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
Post by: SeattleStache on January 04, 2016, 12:59:45 PM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
Not the best year for the market but here's to looking forward to 2016.
Post by: Uncle Scrooge on January 04, 2016, 01:11:45 PM
Feb 1, 2015: $129,700
March 1,2015: $134,400
April 1,2015: $147,700
May 1,2015: $153,000
June 1,2015: $155,600
July 1,2015: $141,600
August 1,2015 $145,700
Sept 1, 2015 $145,240
Oct 1, 2015 $144,100
Nov 1,2015 $157,000
December 1,2015 $157,600
January 1, 2016: $160,400
Post by: northernlights on January 04, 2016, 01:54:34 PM
Net worth January 1, 2013: -$27403.02
Net worth January 1, 2014: -$2417.15
Net worth January 1, 2015: $41,088.28
Net worth July 31, 2015: $103347.17
I am stupid excited to be in this thread.
Net worth January 4, 2016: $125540.45
I'm always disappointed this didn't increase more until I remember it was negative two years ago!
Post by: ohyonghao on January 04, 2016, 03:16:29 PM
Net worth January 1, 2013: -$27403.02
Net worth January 1, 2014: -$2417.15
Net worth January 1, 2015: $41,088.28
Net worth July 31, 2015: $103347.17
I am stupid excited to be in this thread.
Net worth January 4, 2016: $125540.45
I'm always disappointed this didn't increase more until I remember it was negative two years ago!
Great work getting yourself out of that hole!
Post by: Icecreamarsenal on January 04, 2016, 04:06:53 PM
1/15: 88k
2/15: 96k
3/15: 100k
4/15: 115k
5/15: 125k
6/15: 135k
7/15: 144k
8/15: 161k
9/15: 172k
10/15: 186k
11/15: 181k
12/15: 203k
I'm psyched to hopefully get to 250, hope to hit 300 by the end of 2016. That October to November drop was the awesome performance of my index funds this year. Negative returns overall. But f it, beast-mode savings is the only aspect I can control. Let's do this, people!
Post by: oinkette on January 07, 2016, 12:28:42 PM
1/7/16: $153,614.96
Post by: FiguringItOut on January 11, 2016, 10:21:37 AM
June $105,555
July $111,700, $6,145 increase
Aug $112,494, $793 increase
Sep $109,536, $2,958 decrease
Oct $117,581, $8,021 increase
Nov $121,142, $3,855 increase
Dec $128,574, $7,442 increase
$23K increase since end of June.
So I was looking at my numbers and I came up with savings goal of $40K in 2016. I wish it would be more, but realistically this is all I can do and I don't want to set unrealistic goals and then be discouraged.
My breakdown of this amount as as follows:
-- 401k from work - max at $18K, no match
-- HSA - max at 6750, $2K of this is contributed by the company, but it's part of my savings and NW
-- Traditional IRA - $5500, I already contributed this amount for 2016 out of my cash reserves, but need to save this amount through out 2016 to replenish my cash reserve, so this will be cash savings.
-- Additional cash savings - $10K, this is where I will need to keep myself accountable and this will be the hardest part for me, everything else is pretty much automated.
This totals to $40,250
This will not be easy for me to be honest. And I will need to do a bulk of these savings in the second half of the year. I have my medical deductible that I will be using all of my extra cash for in the first half of the year, $3.5K and I have summer vacations planned and part of my annual budget. So those will eat up most of my free cash.
The second half of the year should be much better though. I will start getting repreve from HSA deductible payments around April according to my estimates and medical needs, and my vacations will not be a huge burden thanks to travel rewards. So by May I am hopping to be gaining momentum with my savings for the rest of the year.
I did $23K in second half of 2015, though $3.5 of that was a windfall of sorts. Market did not thing for me during that time, so it's all me, which give me a hopeful feeling for 2016.
Now if only market would recover and grow, I'd be golden.
Looking forward to $168K at 12/31/2016.
Edit: to correct Roth IRA to Traditional IRA because I always confuse them
Post by: PFHC on January 29, 2016, 09:20:43 PM
Aug 2015: $133,000.
Sept 30, 2015: $147,097
Oct 28, 2015: $153,200
Nov 30, 2015: $155,986
Dec 31, 2015: $154,299
Jan, 2016: $156,663 - trending back up again since the kitchen work is nearing completion. A cool windfall is that I learned that I have a pension worth $15,000!! Woo hoo! So, total for the month is actually $171,663!
Post by: BarbeRiche on January 30, 2016, 11:12:26 AM
It's nice to be able to talk freely and openly about money. It motivates me to see other people heading in the same direction!
Age : 27 (both gf and I)
NW : 125k (October 31th)
@130k as of December 1st
140k as of now. Down about 8k in the stock market.
Doesn't include car or increase in home value.
Can't wait for bonus at the end of february + tax return
Gogogo 2016
Post by: Prairie Gal on January 30, 2016, 04:38:17 PM
Oct 1, 2015 101,552 1,182
Nov 1, 2015 105,260 3,708
Dec 1, 2015 107,316 2,056
Jan 1, 2016 108,641 1,325
Feb 1, 2016 107,917 -724
Sad to see a negative gain, but that is going to happen from time to time. I have the opportunity to work some overtime in the next few months, so that should give it a boost.
Post by: FiguringItOut on January 30, 2016, 09:39:54 PM
June $105,555
July $111,700, $6,145 increase
Aug $112,494, $793 increase
Sep $109,536, $2,958 decrease
Oct $117,581, $8,021 increase
Nov $121,142, $3,855 increase
Dec $128,574, $7,442 increase
2016
Jan $125,464 went down because market is down.
Post by: 2Birds1Stone on January 31, 2016, 08:19:56 AM
Post by: Pooplips on January 31, 2016, 12:35:32 PM
1/31/16 - $101,376.00
Post by: johnny847 on January 31, 2016, 01:26:06 PM
1/31/16 - 100,310.75.
Post by: McStache on January 31, 2016, 09:30:20 PM
December 2015: $101,290
January 2016: $102,333
Not a big jump this month despite putting in ~5k, but at least it's positive
Post by: YoungGranny on February 01, 2016, 09:36:48 AM
Sept 1: $81,575
Oct 1: $100,687
Nov1: $105,779
Dec 1: $108,880 (+$3,300)
Jan 1: $111,133 (+$2,253)
Feb 1: $125,298 (+$14,165)
Super happy with a positive number with how the market ended up this month - increase was due to my 401k match being contributed annually, & an annual bonus. Everyone is talking about all the fun things they're going to do with their bonuses and my fun thing was maxing out my roth IRA contribution for the year =P
Post by: 2Birds1Stone on February 01, 2016, 10:12:51 AM
I have graduated from the 10k - 100k thread!
1/31/16 - $101,376.00
That's freakin awesome!!
Post by: Apples on February 02, 2016, 04:56:13 AM
Nov. 1 2015: $101,701.11 --- gain of $8,228.48
Dec 1 2015: $106,488.64 --- gain of $4,787.53
Jan. 1 2016 $107,709.77 --- gain of $1,221.14
Feb. 1 2016 $106,318.40 --- loss of $1,402.91
Womp womp. Over half of our assets are in the stock market, and it's being "volatile" right now. I was a teenager during the 2008 crash, so if there is a long downhill slide it will be my first! We also spent a chunk of money on a vacation, which was nice but didn't help for the purposes of this thread :p
Post by: SeattleStache on February 02, 2016, 11:29:57 AM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
January 2016: $101,235
(Overall NW = $177,235)
Still hard to watch those decreasing values with the market lately but staying strong!
Post by: ohyonghao on February 02, 2016, 06:01:15 PM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
Looks like even a bad month in the stock market couldn't hold us back. This month we end with 2 weeks of vacation internationally, the numbers may come out a bit late.
Post by: Uncle Scrooge on February 03, 2016, 11:58:31 AM
Jan 1, 2015: $125,000
Feb 1, 2015: $129,700
March 1,2015: $134,400
April 1,2015: $147,700
May 1,2015: $153,000
June 1,2015: $155,600
July 1,2015: $141,600
August 1,2015 $145,700
Sept 1, 2015 $145,240
Oct 1, 2015 $144,100
Nov 1,2015 $157,000
December 1,2015 $157,600
January 1, 2016: $160,400
Feb 1, 2016: $160,200
Yearly car insurance paid in full for DW and myself, and first 6 months of property taxes paid with CC to get reward points. Unfortunately NW didn't move too much even though we still invested a bit of surplus money.
Post by: Teacherstache on February 05, 2016, 06:24:41 PM
January 2015 = $138,250
August 2015 = $162,400
November 2015 = $173,500
December 2015 = $178,800
January 2016 = $191,200
This month we decided to add the current condition value of a classic sports car that is a project for DH. He will be finishing it in the next year or two, driving it for a year or two, then selling it. It is an appreciating asset. We do not include our regular cars in our net worth figure. This is $10,000 of the monthly increase.
Post by: FIreDrill on February 06, 2016, 02:11:18 PM
End of
Jan 2015: $113,226
Feb 2015: $120,796
March 2015: $125,852
April 2015: $134,096
May 2015: $147,916
June 2015: $151,413
July 2015: $159,678
August 2015: $152,854
September 2015: $157,447
October 2015: $171,938
November 2015: $181,198
December 2015: $203,468
January 2016: $198,042
SS
Post by: Icecreamarsenal on February 06, 2016, 02:59:29 PM
My invested assets only, both tax-advantaged and taxable, not including home, business, or any other equity.
1/15: 88k
2/15: 96k
3/15: 100k
4/15: 115k
5/15: 125k
6/15: 135k
7/15: 144k
8/15: 161k
9/15: 172k
10/15: 186k
11/15: 181k
12/15: 203k
I'm psyched to hopefully get to 250, hope to hit 300 by the end of 2016. That October to November drop was the awesome performance of my index funds this year. Negative returns overall. But f it, beast-mode savings is the only aspect I can control. Let's do this, people!
Hit 447k this month from a house sale...but for ease I do not use home equity as part of my calculation for F.I. Will likely drop down to the low 300s next month.
Post by: Guava on February 12, 2016, 11:58:48 AM
November 2015: $113,552
December 2015: $116,576
January 2015: $115,782
Post by: YoungGranny on February 29, 2016, 06:44:31 AM
Sept 1: $81,575
Oct 1: $100,687
Nov1: $105,779
Dec 1: $108,880 (+$3,300)
Jan 1: $111,133 (+$2,253)
Feb 1: $125,298 (+$14,165)
Feb 29: $130,782 (+5,484)
Pretty happy with my progress lately - been increasing my NW faster than I originally thought I could. Going to keep staying the course & I can't wait to see where I end at year end :)
Post by: PFHC on February 29, 2016, 09:04:43 AM
Aug 2015: $133,000.
Sept 30, 2015: $147,097
Oct 28, 2015: $153,200
Nov 30, 2015: $155,986
Dec 31, 2015: $154,299
Jan, 2016: $156,663
Feb 2016: $158,332 + $15,000 pension. Last expense paid on the kitchen two days ago. We should start trending upwards at a good rate, now. Planning an appraisal sometime mid-sping/early summer.
Post by: 2Birds1Stone on February 29, 2016, 12:06:21 PM
$141,000 - Thanks to a nice drop in the markets over the past months -_- Hoping to get to $200,000 by Dec 31st 2016.
Up to $148k investable assets as of today.
Post by: FrugalFan on February 29, 2016, 12:35:40 PM
Personal investments only:
Jul 2015 196,553
Aug 2015 192,205
Sep 2015 188,724
Oct 2015 207,028
Nov 2015 240,500
Whoa I didn't think we'd get that close this year! Makes me want to push to get to 250k before the new year! This does include 7500 in RESP's for our kids. And it will drop by about 3.4 k in deferred sales charges as I am in the process of moving our investments from Edward Jones to Questrade.
Haven't updated in a while.
Jul 2015 196,553
Aug 2015 192,205
Sep 2015 188,724
Oct 2015 207,028
Nov 2015 240,500
Dec 2015 248,758
Jan 2015 245,452
Feb 2015 249,608
The last three months have been a challenge because of deferred sales charges and transfer fees (about 4 k total) and market losses right after transferring a huge lump sum. So the totals have not budged a lot considering we invested over 30 k between November and February. This total includes 21 k in RESP for the kids, so I will stay in this group until our own personal investments reach 250k, hopefully by this summer.
Post by: SeattleStache on February 29, 2016, 04:19:54 PM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
January 2016: $101,235
February 2016: $101,464.
Post by: McStache on February 29, 2016, 06:19:21 PM
January 2016: $102,333
February 2016: $107,201
Post by: ender on February 29, 2016, 06:46:06 PM
But getting close!
Post by: FiguringItOut on February 29, 2016, 06:48:43 PM
June $105,555
July $111,700
Aug $112,494
Sep $109,536
Oct $117,581
Nov $121,142
Dec $128,574
2016
Jan $125,464
Feb $128,024
Post by: SpareChange on February 29, 2016, 11:46:53 PM
Post by: Pooplips on March 01, 2016, 05:28:43 AM
1/31/16 - $101,376.00
3/1/2016 - $102,990.00
An Up month is a good month.
Post by: use2betrix on March 01, 2016, 08:53:23 AM
With that behind me l, I'm ready to move forward! I may be paying off my tow vehicle for the trailer I live full time in, which I'm unsure if I will include in my net worth or not. Probably not. It's value is around 45k (not easy to find a reliable vehicle that can tow 16k lbs and double as a daily driver). This month I should have 20-22k savings so paying the 35k I owe on the tow vehicle won't put a huge dent, just slow me down more or less.
November 1, 2015 - 100k
March 1, 2016 - 115k
Post by: ohyonghao on March 01, 2016, 01:35:39 PM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
The most surprising part of this was how little the vacation affected our net worth. I hear of people spending $5,000/year on vacations, we barely went over $1,000. Quite a few homes have been sold recently in our neighborhood which accounts for the large rise in home equity we experienced this month, rising around $6,600. The current zestimate is still $15k below what houses have been going for, so I still feel confident in this number.
Our stocks, on the other hand, had a bit more exciting ride and finished out nearly flat. Investments are still on automatic, and it's been great to see the turbulence. Really enjoyed MMM's article today, just reiterating to hold true on the course rather than jumping ship at the first sign of trouble.
Post by: johnny847 on March 01, 2016, 02:00:45 PM
2/29/16 - 100,866.78
Investments were down a bit this month. I also prepaid my taxes for $534 (I donated $534 fee free on a cc and I get all of it back on my taxes when I file next year). And I spent a bunch of money on gift cards for my reselling side hustle.
Post by: Uncle Scrooge on March 02, 2016, 04:03:31 PM
Jan 1, 2015: $125,000
Feb 1, 2015: $129,700
March 1,2015: $134,400
April 1,2015: $147,700
May 1,2015: $153,000
June 1,2015: $155,600
July 1,2015: $141,600
August 1,2015 $145,700
Sept 1, 2015 $145,240
Oct 1, 2015 $144,100
Nov 1,2015 $157,000
December 1,2015 $157,600
January 1, 2016: $160,400
February 1,2016: $160,200
March 1,2016: $170,300
Post by: robotclown on March 02, 2016, 09:24:24 PM
Mar 15: 97K
Jun 15: 104K
Sep 15: 105K
Dec 15: 113K
Mar 16: 117K
Post by: Icecreamarsenal on March 03, 2016, 10:22:02 AM
2/15: 96k
3/15: 100k
4/15: 115k
5/15: 125k
6/15: 135k
7/15: 144k
8/15: 161k
9/15: 172k
10/15: 186k
11/15: 181k
12/15: 203k
1/16: 297k <---Looks like I made it, thanks to a home sale. This includes subtracting 120k down on next property. God bless frothy real estate.
2/16: 314k
3/16:
Post by: Guava on March 03, 2016, 11:03:12 AM
November 2015: $113,552
December 2015: $116,576
January 2016: $115,782
February 2016: $117,693
Still not working and still accumulating medical bills but my frugal living has let me save some of my disability check!
Post by: Teacherstache on March 04, 2016, 05:46:13 PM
January 2015 = $138,250
August 2015 = $162,400
November 2015 = $173,500
December 2015 = $178,800
January 2016 = $191,200
February 2016 = $196,400. Closing in on $200,000!
Post by: turketron on March 04, 2016, 05:52:20 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
Forgot February, I haven't been checking it as often since the market dropped. It's been pretty much stagnant since:
Feb 1 2016: $135,573.00
Mar 4 2016: $138,331.39
Post by: FIreDrill on March 04, 2016, 06:41:50 PM
End of
Jan 2015: $113,226
Feb 2015: $120,796
Mar 2015: $125,852
Apr 2015: $134,096
May 2015: $147,916
Jun 2015: $151,413
Jul 2015: $159,678
Aug 2015: $152,854
Sep 2015: $157,447
Oct 2015: $171,938
Nov 2015: $181,198
Dec 2015: $203,468
Jan 2016: $198,042
Feb 2016: $206,381
The finish line is in sight! Okay, more like a finish line to another starting line... lol
SS
Post by: codemonkey on March 04, 2016, 07:20:46 PM
January 2015: $77,300
July 2015: $115,800
January 2016: $124,100
February 2016: $127,500
March 2016: $141,700
Post by: BarbeRiche on March 05, 2016, 01:42:54 PM
March 2016 : 152.8k
Post by: Prairie Gal on March 06, 2016, 01:00:45 PM
Oct 1, 2015 101,552 1,182
Nov 1, 2015 105,260 3,708
Dec 1, 2015 107,316 2,056
Jan 1, 2016 108,641 1,325
Feb 1, 2016 107,917 -724
Mar 1, 2016 112,893 4,976
* Cash and investments. House is paid off, worth approximately $250,000.
Post by: ender on March 06, 2016, 03:26:47 PM
Post by: Vertical Mode on March 07, 2016, 09:49:44 AM
Some of you guys have ridiculous increase each month!
Second that. I feel like the tortoise here ;-) Of course, we're all only really racing ourselves.
Post by: BarbeRiche on March 08, 2016, 11:55:15 AM
Some of you guys have ridiculous increase each month!
Second that. I feel like the tortoise here ;-) Of course, we're all only really racing ourselves.
Everybody has their own way to calculate as well which can make a big difference of course.
Some include increase in home value, mortgage principal. Is it one or two income household etc.
Lots of time left for 2016 gogogogogo
Post by: jbjr on March 09, 2016, 12:35:36 PM
March 3 2016 - $180,741
Post by: ender on March 10, 2016, 06:38:43 AM
Some of you guys have ridiculous increase each month!
Second that. I feel like the tortoise here ;-) Of course, we're all only really racing ourselves.
Everybody has their own way to calculate as well which can make a big difference of course.
Some include increase in home value, mortgage principal. Is it one or two income household etc.
Lots of time left for 2016 gogogogogo
I'm hoping we get there this year. I "lost" about $5k when I rolled my 401k over and it took about 3 weeks to process, during which the market went up ~6% or so.
Bad timing haha. But a blip in the grand scheme of things, hopefully.
Post by: bkmnky72 on March 11, 2016, 05:25:23 AM
Post by: the_gastropod on March 11, 2016, 04:55:05 PM
Post by: ohyonghao on March 14, 2016, 05:50:44 PM
Wohoo! Just hit $100,300 today. Hoping I can hit $250 by the end of 2017.Congratulations on joining the club here! Lofty goals, look forward to seeing your updates.
Post by: CanIndian on March 20, 2016, 07:14:52 PM
107K as of today, and expected to be 109k by end of march with another paycheck still in the month.
Dec 2013: ~10,000
Dec 2014: ~50,000
July 2015: $74,250
Dec 2015: $88,329
Mar 20th 2016: $107,112
Took me 27 months to go from 10-100k. Hoping to get to 250k in 24 months, Mar 2018.
Intermediary goals are 150k by Dec 2016 and 200K by Aug 2017.
Let us roll along.
Post by: BBub on March 21, 2016, 09:08:29 AM
Getting from 0-100k is often arduous because there's a good bit of initial drag before real progress is made, i.e. buying that first house, buying a car (if applicable), reducing debt and generally getting situated. By the time $100k is reached the lifestyle is pretty much optimized and on autopilot, cash is flowing in regularly and a rising market begins to propel you along faster.
Post by: JLee on March 21, 2016, 10:24:46 AM
Code: [Select]
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
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 $146,323.31I can't get my HSA into Mint for some reason, so I'm at roughly $148k.
Post by: ohyonghao on March 21, 2016, 02:41:19 PM
For the sake of simplicity, I'm just going to use my Mint numbers (which include estimated vehicle/home value). They are likely inflated a bit (Zillow is optimistic) but it gives me an easily tracked reference without having to make a spreadsheet. :PCode: [Select]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
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
I can't get my HSA into Mint for some reason, so I'm at roughly $148k.
I'm not familiar with Mint, I use Personal Capital, but can you add a manual account until they get the link working?
I use YNAB for my actual numbers, but Personal Capital makes checking my accounts easy so I know which ones I should pull for the week.
My numbers are looking well for March, unfortunately they may not be going up as fast going forward as I received notice that my contract is ending at the end of the month. Thank's to all of MMM's principles that I have enacted it is a bright future still, with enough in unemployment income and balances to last 6 months before even touching investments. It's nice having some fuck you money, and keeping my expenses down means it lasts that much longer. Since part of it obviously continues towards my mortgage my net worth should continue to rise during this period.
Post by: JLee on March 21, 2016, 03:08:10 PM
For the sake of simplicity, I'm just going to use my Mint numbers (which include estimated vehicle/home value). They are likely inflated a bit (Zillow is optimistic) but it gives me an easily tracked reference without having to make a spreadsheet. :PCode: [Select]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
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
I can't get my HSA into Mint for some reason, so I'm at roughly $148k.
I'm not familiar with Mint, I use Personal Capital, but can you add a manual account until they get the link working?
I use YNAB for my actual numbers, but Personal Capital makes checking my accounts easy so I know which ones I should pull for the week.
My numbers are looking well for March, unfortunately they may not be going up as fast going forward as I received notice that my contract is ending at the end of the month. Thank's to all of MMM's principles that I have enacted it is a bright future still, with enough in unemployment income and balances to last 6 months before even touching investments. It's nice having some fuck you money, and keeping my expenses down means it lasts that much longer. Since part of it obviously continues towards my mortgage my net worth should continue to rise during this period.
I'm sure I could, and just update it every so often. I may do that (or look into Personal Capital). Thanks!
Post by: dandypandys on March 21, 2016, 04:23:10 PM
Mint is randomly not updating my retirement fund over last couple of days annoyingly, but i am taking it from there too.
This includes all except a few gold and silver coins and my older Subaru.
February 2016 $152,250.48
March 2016 $161,803.55
Post by: moneysaver on March 23, 2016, 08:48:23 PM
Post by: SAfAmBrit on March 25, 2016, 09:12:58 PM
Post by: BarbeRiche on March 27, 2016, 12:00:47 PM
I'm happy with the savings rate considering that we have a 1-month old baby and had a few expenses + our propriety taxes last month.
We had a pretty decent tax return though that helped a lot (9.3k).
The last 6-months will be a bit different with my gf being on that parental salary replacement which will end up being about 40% of her normal salary.
But we do have a beautiful baby to compensate :)
(http://i.imgur.com/xQuhJuk.png)
Post by: FrugalFan on March 27, 2016, 12:07:54 PM
Made a simple spreadsheet for myself because I'm canadian and we don't have Personal Capital.
(http://i.imgur.com/xQuhJuk.png)
Love your graphics, BarbeRiche! I have similar ones but the monthly changes are not as exciting! I may plot them yearly like this though. Before I got into MMM this year, we were paying our mortgage very fast and not investing as much, now I get some satisfaction from seeing the proportion of our net worth in our mortgage decrease and the proportion invested increase, so I've been plotting those out as well.
Post by: BarbeRiche on March 27, 2016, 04:12:45 PM
Love your graphics, BarbeRiche! I have similar ones but the monthly changes are not as exciting! I may plot them yearly like this though. Before I got into MMM this year, we were paying our mortgage very fast and not investing as much, now I get some satisfaction from seeing the proportion of our net worth in our mortgage decrease and the proportion invested increase, so I've been plotting those out as well.
I also have a Spendings-Savings Ratio monthly graphic but it was a bit too much for the post and I think the yearly one is more representative. Jan-49% / Feb-33% / Mar-75%...fluctuates a lot.
It is nice to get a visual of the asset allocation, I agree. I plan on reducing the house principal % as well!
Post by: Heckler on March 27, 2016, 04:40:02 PM
Post by: Heckler on March 27, 2016, 04:47:39 PM
Post by: BarbeRiche on March 27, 2016, 05:09:24 PM
Nice graphics, but why are you showing asset location (account type) as asset allocation?
I didn't want it to reflect my positions in the market but more of a taxable/non-taxable type of thing. Maybe asset is the wrong term?
I might do one just like yours but it would be a bit complicated as we are spread around a few accounts. We both have company RRSP contribution plan which are managed by our companies + RRSP invested in ETFs + TFSA invested mostly in microcaps + stock pension plan for me, etc.
Are your investments all ETFs or you pick stocks?
Post by: Heckler on March 27, 2016, 05:14:31 PM
Post by: Heckler on March 27, 2016, 05:19:10 PM
Just start by adding up totals. Heck, even start with a Bonds vs Equities summary. Let's say your TFSA is in a 90/10 fund, your RRSP is in a 30/70 mutual fund and your spouses taxable account is all Canada stocks (one company). What is your total Bonds to Equity ratio? (for example).
Post by: BarbeRiche on March 27, 2016, 06:28:01 PM
but, especially if you're spread out all over the place in many accounts, a summary asset allocation will help you understand your holdings, and make a better plan.
Just start by adding up totals. Heck, even start with a Bonds vs Equities summary. Let's say your TFSA is in a 90/10 fund, your RRSP is in a 30/70 mutual fund and your spouses taxable account is all Canada stocks (one company). What is your total Bonds to Equity ratio? (for example).
Good point. I will do that. It will be a good addition to my spreadsheet.
Post by: FrugalFan on March 27, 2016, 07:12:34 PM
Post by: BarbeRiche on March 28, 2016, 03:19:11 PM
but, especially if you're spread out all over the place in many accounts, a summary asset allocation will help you understand your holdings, and make a better plan.
Just start by adding up totals. Heck, even start with a Bonds vs Equities summary. Let's say your TFSA is in a 90/10 fund, your RRSP is in a 30/70 mutual fund and your spouses taxable account is all Canada stocks (one company). What is your total Bonds to Equity ratio? (for example).
Good point. I will do that. It will be a good addition to my spreadsheet.
It seems a bit too much weighted toward Canadian Equity but almost 100% of our TFSA are invested in canadian microcaps. Also, my company stock purchase plan counts for a big part of that (about 20% of the canadian equity).
It should balance out a bit while I continue to max our RRSP + our company funds that are more weighted toward US/International. I can also sell some of my company stocks gradually (have to hold them for 2 years so I don't get penalized).
(http://i.imgur.com/UbS38a1.png)
Also, I had forgotten to include a line of data for our total assets...nice surprise :P
(http://i.imgur.com/HFFP5fC.png)
Post by: Heckler on March 28, 2016, 06:07:18 PM
http://canadiancouchpotato.com/2012/05/22/ask-the-spud-does-home-bias-ever-make-sense/
Post by: BarbeRiche on March 28, 2016, 07:46:29 PM
Awesome BarbeRiche! I'm curious - did you know you were hometown biased before doing this graph?
http://canadiancouchpotato.com/2012/05/22/ask-the-spud-does-home-bias-ever-make-sense/
Do you mean because the months are written in french?
I actually changed all my spreadsheet in english and noticed that but I thought it would show anyway with the way I formulate my ideas or choices of words sometimes..!
Post by: Heckler on March 28, 2016, 07:48:22 PM
Post by: BarbeRiche on March 28, 2016, 10:16:16 PM
:) No, by hometown bias I meant mostly invested in Canadian stocks.
Oh I see. It did help to get a visual. I had a rough idea but it's a lot clearer now.
It will be easier to decide if I sell some of my company stocks or if I need to rebalance my portfolios.
Thanks for the suggestion!
Post by: ohyonghao on March 29, 2016, 12:00:53 PM
I'd been avoiding posting to this thread for the longest time because it seemed like such a big goal, but now that I'm a little ways in, it doesn't seem so daunting.
Sept 2015: 101,452
Oct 2015: 111,092
Nov 2015: 114,679
Dec 2015: 117,419
Jan 2015: 120,425
Feb 2015: 126,971
Now: 134,464
We came into a small windfall late last year but instead of investing I decided to get rid of the PMI on our mortgage, especially since market returns were poor. Plan to be at about 215,000 by the end of the year, 250,000 by next summer. We also plan to sell our place around that time to move elsewhere and will like spring to about 330k. That puts us at just under 2 years to make the 100 to 250 hurdle, compared to the ~1.5 years to do 10k to 100k.
Here's to getting some good market winds and nice fat bonus.
(Yar har har... Aye)
Great to have you here. It really is quite amazing how fast it accumulates after the 100k point.
And a big Welcome Here! to anyone else that has joined and I forgot to welcome. I know this group tends to be a bit quieter than the 10-100k, but I like to think that's because we're too busy enjoying the freedom that you can only buy with money you don't spend. I expect this room to light up a bit in a couple days though as everyone begins to sound off their current status reports.
Post by: dandypandys on March 29, 2016, 03:31:41 PM
I'd been avoiding posting to this thread for the longest time because it seemed like such a big goal, but now that I'm a little ways in, it doesn't seem so daunting.
Sept 2015: 101,452
Oct 2015: 111,092
Nov 2015: 114,679
Dec 2015: 117,419
Jan 2015: 120,425
Feb 2015: 126,971
Now: 134,464
We came into a small windfall late last year but instead of investing I decided to get rid of the PMI on our mortgage, especially since market returns were poor. Plan to be at about 215,000 by the end of the year, 250,000 by next summer. We also plan to sell our place around that time to move elsewhere and will like spring to about 330k. That puts us at just under 2 years to make the 100 to 250 hurdle, compared to the ~1.5 years to do 10k to 100k.
Here's to getting some good market winds and nice fat bonus.
(Yar har har... Aye)
Great to have you here. It really is quite amazing how fast it accumulates after the 100k point.
And a big Welcome Here! to anyone else that has joined and I forgot to welcome. I know this group tends to be a bit quieter than the 10-100k, but I like to think that's because we're too busy enjoying the freedom that you can only buy with money you don't spend. I expect this room to light up a bit in a couple days though as everyone begins to sound off their current status reports.
Mine doesn't, wonder what I am doing wrong? Is it just the market? It has stayed in the minus range for aggggges. Just recently i changed everything to vanguard index funds so hopefully that will make a difference.
Post by: FIPurpose on March 29, 2016, 03:39:29 PM
Mine doesn't, wonder what I am doing wrong? Is it just the market? It has stayed in the minus range for aggggges. Just recently i changed everything to vanguard index funds so hopefully that will make a difference.
What are you invested in if you don't mind me asking? Just being in Vanguard doesn't protect you from bad investments.
Post by: dandypandys on March 29, 2016, 03:54:46 PM
Post by: FIPurpose on March 29, 2016, 05:24:20 PM
Post by: dandypandys on March 29, 2016, 06:03:53 PM
I only recently changed it all, and did my final couple of transfers, it used to be 12% international, so this is going forward.
Post by: FIPurpose on March 29, 2016, 09:52:29 PM
If you have a different bond choice, I would switch to that. Or at the very least if you haven't already, read up on the risks of long-term bonds.
https://www.bogleheads.org/wiki/Bond_basics (https://www.bogleheads.org/wiki/Bond_basics)
Not to say there aren't good portfolios with long-term bonds, but I think it's common to misunderstand them.
Post by: dandypandys on March 30, 2016, 05:19:17 AM
If you have a different bond choice, I would switch to that. Or at the very least if you haven't already, read up on the risks of long-term bonds.Thanks! Sorry for being OT and i promise this is my last feedback call :) Yeah i don't have much Bond choices only these:
https://www.bogleheads.org/wiki/Bond_basics (https://www.bogleheads.org/wiki/Bond_basics)
Not to say there aren't good portfolios with long-term bonds, but I think it's common to misunderstand them.
Short Bonds/Stable/MMkt
Standard Stable Asset Fund II 0%
Calvert Short Duration Income I 0%
Prudential Short-Term Corporate Bd Q 0%
Wells Fargo Shrt Duratn Gov Bnd Inst 0%
Interm./Long-Term Bonds
BlackRock Inflation Protected Bond K 0%
Delaware Extended Duration Bond Inst 0%
Vanguard Long-Term Treasury Admiral 5%
I did ask HR to add the total bond index fund but i dont think they will. I will def look into that link today, so far I have only been reading about the Stock stuff and havent got to the Bonds bit yet on the stock series or the books. Glad to hear i haven't being doing a HUGE error these last few years.
THANKS! Sorry for hijacking everyone!!!
On topic: i am at 105k now- woohoo a little movement happened yesterday and my rate of return for the year is almost positive at
-0.64% come on! Get on up there!!!! :) :)
Post by: CanIndian on March 30, 2016, 07:59:42 PM
I hit 100k last week and graduated from the 10-100k thread.Closed the accounts today for March and I was pushed along a bit farther than I thought.
107K as of today, and expected to be 109k by end of march with another paycheck still in the month.
Dec 2013: ~10,000
Dec 2014: ~50,000
July 2015: $74,250
Dec 2015: $88,329
Mar 20th 2016: $107,112
Took me 27 months to go from 10-100k. Hoping to get to 250k in 24 months, Mar 2018.
Intermediary goals are 150k by Dec 2016 and 200K by Aug 2017.
Let us roll along.
Dec 2013: ~10,000
Dec 2014: ~50,000
July 2015: $74,250
Dec 2015: $88,329
Mar 2016: $110,200
Post by: Heckler on March 30, 2016, 08:43:17 PM
On topic: i am at 105k now- woohoo a little movement happened yesterday and my rate of return for the year is almost positive at
-0.64% come on! Get on up there!!!! :) :)
are you still contributing? if so, your goal of prices going up just means you'll be paying more. Hmmm.... Buy low, sell high.
Post by: bkmnky72 on March 31, 2016, 03:08:15 AM
I'm signing in with my NW based on my investible assets at $131K as of today.
Back to $129K.
Post by: PFHC on March 31, 2016, 05:52:09 AM
Aug 2015: $133,000Mar 2016 $182,654 + $15,000 pension
Sept 2015: $147,097
Oct 2015: $153,200
Nov 2015: $155,986
Dec 2015: $154,299
Jan 2016: $156,663
Feb 2016: $158,332
Decided to forgo the appraisal. Unnecessary expense just to tell me what I already know. Big jump in net worth this month reflects $25k increase in equity due to kitchen remodel.
Post by: ender on March 31, 2016, 06:08:31 AM
We're on pace for about a $50k/year net worth increase from this time last year. Though this is a bit artificially high as we repaid ourselves our tithe last year after pre-tithing for tax perks.
We might also be buying a house in the near future, not sure how that will affect things. But we're getting close to leaving this thread and heading to the 250k-->500k one. Which is super exciting!
Post by: SeattleStache on March 31, 2016, 09:56:57 AM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
January 2016: $101,235
February 2016: $101,464
March 2016: $117,072
Had a small windfall in March as well as a bonus check which went straight into my Roth.
Total NW including real estate and cash savings: $191,475.
Post by: FrugalFan on March 31, 2016, 12:18:05 PM
Jul 2015 196,553
Aug 2015 192,205
Sep 2015 188,724
Oct 2015 207,028
Nov 2015 240,500
Dec 2015 248,758
Jan 2016 245,452
Feb 2016 249,608
Mar 2016 271,295 (Minus college fund is 248,483. So close!)
April is going to be a spendy month as we owe a lot in taxes this year, but we should be able to graduate from this thread in May if the market cooperates.
Post by: gecko10x on March 31, 2016, 02:25:42 PM
Feb 2015: $160k
Mar 2015: $179k
Apr 2015: $183k
May 2015: $186k
Jun 2015: $189k
July 2015: $195k
Aug 2015: $198k
Sept 2015: $201k
Oct 2015: $209k
Nov 2015: $212k
Dec 2015: $216k
Jan 2016: $216k
Feb 2016: $218k
Mar 2016: $247k
Post by: JLee on March 31, 2016, 04:33:02 PM
Jan 2015: $156k
Feb 2015: $160k
Mar 2015: $179k
Apr 2015: $183k
May 2015: $186k
Jun 2015: $189k
July 2015: $195k
Aug 2015: $198k
Sept 2015: $201k
Oct 2015: $209k
Nov 2015: $212k
Dec 2015: $216k
Jan 2016: $216k
Feb 2016: $218k
Mar 2016: $247k
Damn, nicely done! Almost time for the next thread!
Post by: mrteacher on March 31, 2016, 06:22:59 PM
Barring a big market downturn in the next few weeks, I should be here to stay! $250k seems far away, but I'm pumped to be entering the next 'bracket' of accumulation.
Post by: FiguringItOut on March 31, 2016, 06:57:11 PM
2015
June $105,555
July $111,700
Aug $112,494
Sep $109,536
Oct $117,581
Nov $121,142
Dec $128,574
2016
Jan $125,464
Feb $128,024
Mar $136,905
Post by: johnny847 on April 01, 2016, 01:06:54 AM
1/31/16 - 100,310.75.
2/29/16 - 100,866.78
3/31/16 - 109,343.52
By the numbers I had an amazing month.
Most of hte credit shouldn't go to me though. Markets were responsible for $6523.57 of that $8476.74 increase in NW.
Post by: SpareChange on April 01, 2016, 01:34:50 AM
I closed March with a NW of $100,869.59!
Barring a big market downturn in the next few weeks, I should be here to stay! $250k seems far away, but I'm pumped to be entering the next 'bracket' of accumulation.
Welcome!!
Post by: SpareChange on April 01, 2016, 03:02:34 AM
March: $109,021.70
YTD savings rate: 82.7% :)
Post by: Prairie Gal on April 01, 2016, 06:06:42 AM
Sep 1, 2015 100,370
Oct 1, 2015 101,552 1,182
Nov 1, 2015 105,260 3,708
Dec 1, 2015 107,316 2,056
Jan 1, 2016 108,641 1,325
Feb 1, 2016 107,917 -724
Mar 1, 2016 112,893 4,976
Apr 1, 2016 115,730 2,837
* Cash and investments. House is paid off, worth approximately $250,000.
Post by: Guava on April 01, 2016, 06:47:37 AM
March 2016: $124,848
I started working again a few days ago so I am looking forward to full paychecks and being able to contribute to the 401k again!
Post by: Pooplips on April 01, 2016, 06:49:55 AM
1/31/16 - $101,376.00
3/1/2016 - $102,990.00
4/1/2016 - $116,749.00
After last months small increse, I killed it this month. I had alot of extra income this month which helped: taxes, coahing, bonus, etc.
Post by: gecko10x on April 01, 2016, 06:59:00 AM
Jan 2015: $156k
Feb 2015: $160k
Mar 2015: $179k
Apr 2015: $183k
May 2015: $186k
Jun 2015: $189k
July 2015: $195k
Aug 2015: $198k
Sept 2015: $201k
Oct 2015: $209k
Nov 2015: $212k
Dec 2015: $216k
Jan 2016: $216k
Feb 2016: $218k
Mar 2016: $247k
Damn, nicely done! Almost time for the next thread!
Thanks, although the credit doesn't really belong to me... bonus time and market upswing is where most of it came from. ;-)
Post by: YoungGranny on April 01, 2016, 08:42:58 AM
Sept 1: $81,575
Oct 1: $100,687
Nov1: $105,779
Dec 1: $108,880 (+$3,300)
Jan 1: $111,133 (+$2,253)
Feb 1: $125,298 (+$14,165)
March 1:$143,249 (+17,951)
An extra paycheck in there that was all saved and and up-tick in the market. I'm actually really surprised with that number and really proud of myself!
Post by: therethere on April 01, 2016, 08:55:25 AM
That's pretty crazy to think about. Especially when 9 years ago our NW was -250,000. I guess its easier to stash money when your dollars are working for you instead of being spent paying off debt. We were blessed with a high pay contract job with unlimited OT in 2015 which allowed us to max out 401k's and IRA's for the first time ever.
My history:
May 2014 - 98,814
Jan 2015 -139,954
July 2015 - 191,148
Jan 2016 - 221,252
Feb 2016 - 213,366
Mar 2016 - 227,492
April 2016 - 256,226
Post by: BBub on April 01, 2016, 09:22:47 AM
Post by: Teacherstache on April 01, 2016, 09:35:13 AM
January 2015 = $138,250
August 2015 = $162,400
November 2015 = $173,500
December 2015 = $178,800
January 2016 = $191,200
February 2016 = $196,400
March 2016 = $200,800
We crossed the $200,000 mark! Woo hoo!
Post by: McStache on April 01, 2016, 10:37:50 AM
January 2016: $102,333
February 2016: $107,201
March 2016: $116,502
Post by: jbjr on April 01, 2016, 11:25:12 AM
February 2016 - $180,741
March 2016 - $190,352
But incidentally I crossed the $300k mark in total net worth (includes house, car, and other physical assets) this month. Which feels pretty good considering my net worth moved into the black for the first time in 2011. The 1st 100k was definitely the hardest.
Post by: dandypandys on April 01, 2016, 12:12:01 PM
This is with the same 13% going in each month and with not messing with my funds until very recently. I might go back further in time and see if i was in the 100k before jan 2015 too.
2015
Jan 1st: 98,437.97
Feb 1st: $96,898.03
Mar 1st: $103,345.54
Apr 1st: $103,819.64
May 1st $105,766.12
Jun 1st $106,565.54
Jul 1st: $105,252.33
Aug 1st: $106,267.37
Sept 1st: $99,122.12
Oct 1st: $99,291.91
Nov 1st: $105,204.00
Dec 1st : $107,535.51
2016
Jan 1st:$104,592.84
Feb 1st: $99,467.66
March 1st:$101, 189.11
April 1st: $107,119.81
May 1st: $107,369.22
Post by: FrugalFan on April 01, 2016, 12:59:51 PM
I have just looked back for the first time, and I can't believe how up and down it goes compared to the rest of you:
This is with the same 13% going in each month and with not messing with my funds until very recently. I might go back further in time and see if i was in the 100k before jan 2005 too.
2005
Jan 1st: 98,437.97
Feb 1st: $96,898.03
Mar 1st: $103,345.54
Apr 1st: $103,819.64
May 1st $105,766.12
Jun 1st $106,565.54
Jul 1st: $105,252.33
Aug 1st: $106,267.37
Sept 1st: $99,122.12
Oct 1st: $99,291.91
Nov 1st: $105,204.00
Dec 1st : $107,535.51
2006
Jan 1st:$104,592.84
Feb 1st: $99,467.66
March 1st:$101, 189.11
April 1st: $106,656.92
Do you mean 2015 and 2016? That does seem a bit strange! About how much is 13% (i.e. roughly how much do you add each month)? And What are you invested in?
Post by: therethere on April 01, 2016, 01:10:50 PM
Post by: dandypandys on April 01, 2016, 04:57:00 PM
Yes I guess my contributions are small in these circles it isn't much - $820 my choices were all over the place, but mostly stocks.
Post by: NowClear on April 01, 2016, 05:06:03 PM
- April 1 2016: $102,411
Post by: codemonkey on April 02, 2016, 09:29:39 AM
This is for our Investment Accounts only.
January 2015: $77,300
July 2015: $115,800
January 2016: $124,100
February 2016: $127,500
March 2016: $141,700
April 2016: $152,300
Finally crossed the $150k line! The rest of this year should be rather slow going as we front loaded our investments as much as possible this year.
Post by: mrshudson on April 02, 2016, 10:02:38 AM
Jan 2015 - $94,000
Feb 2015 - $ 97,000
Mar 2015 - $106,000
Apr 2015 - $108,000
May 2015 - $114,000
June 2015 - $ 117,000
...
April 2016 - $145,000
Post by: FrugalFan on April 02, 2016, 12:06:24 PM
Yes sorry duh 2015/16 haha.
Yes I guess my contributions are small in these circles it isn't much - $820 my choices were all over the place, but mostly stocks.
I think it makes sense overall then since most markets were not great over the last year. And the trend is generally positive. And if market variation can swamp out your contributions, that is generally a positive sign. Your stash is big enough to have a mind of its own.
Post by: turketron on April 02, 2016, 12:12:57 PM
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
Finally going back up!
Post by: dandypandys on April 02, 2016, 03:47:34 PM
ok thanks! phew~!Yes sorry duh 2015/16 haha.
Yes I guess my contributions are small in these circles it isn't much - $820 my choices were all over the place, but mostly stocks.
I think it makes sense overall then since most markets were not great over the last year. And the trend is generally positive. And if market variation can swamp out your contributions, that is generally a positive sign. Your stash is big enough to have a mind of its own.
Post by: PFHC on April 02, 2016, 08:44:43 PM
I have just looked back for the first time, and I can't believe how up and down it goes compared to the rest of you:
Are you tracking on Mint? If you are, are you, by chance, tracking your house value with the Zestimate? If you are, that could be throwing your numbers out of whack. My Zestimate was varying as much as $15k in two weeks, so obviously it was not remotely accurate for my region. So, I put in a manual value and it stabilized my NW.
Post by: ohyonghao on April 03, 2016, 01:05:36 AM
This months numbers:
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016 $172,089.61
Post by: FIreDrill on April 03, 2016, 01:13:32 AM
End of
Jan 2015: $113,226
Feb 2015: $120,796
Mar 2015: $125,852
Apr 2015: $134,096
May 2015: $147,916
Jun 2015: $151,413
Jul 2015: $159,678
Aug 2015: $152,854
Sep 2015: $157,447
Oct 2015: $171,938
Nov 2015: $181,198
Dec 2015: $203,468
Jan 2016: $198,042
Feb 2016: $206,381
Mar 2016: $217,931
SS
Post by: dandypandys on April 03, 2016, 05:59:42 AM
I have just looked back for the first time, and I can't believe how up and down it goes compared to the rest of you:
Are you tracking on Mint? If you are, are you, by chance, tracking your house value with the Zestimate?
HI, yes i do use Mint, and Zillow, but this it just from my 403b only, my net worth is a bit higher, but as you say moves around too much because of bills and zillow. I should set it to fixed like you have.
Post by: SpareChange on April 03, 2016, 06:35:35 AM
Another great month, markets were up on this one. These next six months will be interesting since my last day of work was on the 31st. I still wager my NW will continue to rise, but it may be slowing down a bit until I find another job.
This months numbers:
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016 $172,089.61
Wow, you've been doing very well since graduating the other thread!!
Post by: Uncle Scrooge on April 03, 2016, 08:55:18 AM
Feb 1, 2015: $129,700
March 1,2015: $134,400
April 1,2015: $147,700
May 1,2015: $153,000
June 1,2015: $155,600
July 1,2015: $141,600
August 1,2015 $145,700
Sept 1, 2015 $145,240
Oct 1, 2015 $144,10
Nov 1,2015 $157,000
December 1,2015 $157,600
January 1, 2016: $160,400
February 1,2016: $160,200
March 1,2016: $170,300
April 1,2016: $177,900
Post by: tarheeldan on April 11, 2016, 09:14:24 AM
I thought I'd bring something to the party, so here's a spreadsheet you we can populate if we wish:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=sharing
*All data entry on the "Data Entry" tab. "The Big Board" tab will auto-populate based on these data.
*EDIT* Opened up access to anyone with the link, had it on private at first
Post by: 2Birds1Stone on April 11, 2016, 09:36:58 AM
$141,000 - Thanks to a nice drop in the markets over the past months -_- Hoping to get to $200,000 by Dec 31st 2016.
Up to $148k investable assets as of today.
Up to $169k today, looks like I'll be hitting that $200k by end of 2016.
Post by: rp on April 11, 2016, 12:52:33 PM
September 2015 $58,316.82
October 2015 $71,465.56
November 2015 $71,482.35
December 2015 $78,145.63
January 2016 $84,029.04
February 2016 $89,874.29
March 2016 $93,825.21
April 2016 $92,620.01
Cheers,
rp
Post by: McStache on April 11, 2016, 05:25:52 PM
Hi Guys! I look forward to joining you next month - I was about $300 shy of the mark at the end of March :-)
I thought I'd bring something to the party, so here's a spreadsheet you we can populate if we wish:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=sharing
*All data entry on the "Data Entry" tab. "The Big Board" tab will auto-populate based on these data.
*EDIT* Opened up access to anyone with the link, had it on private at first
I love a good spreadsheet. Data entered.
Welcome to the thread!
Post by: SpareChange on April 11, 2016, 11:32:39 PM
Hi Guys! I look forward to joining you next month - I was about $300 shy of the mark at the end of March :-)
I thought I'd bring something to the party, so here's a spreadsheet you we can populate if we wish:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=sharing
*All data entry on the "Data Entry" tab. "The Big Board" tab will auto-populate based on these data.
*EDIT* Opened up access to anyone with the link, had it on private at first
Thank you! This thread was indeed missing a 'sheet lol. Good to have you join us!
Post by: JJsfr on April 16, 2016, 01:07:26 PM
Dec 2014 $101k
Jan 2015 $102k
Feb 2015 $116k
Mar 2015 $117k
Apr 2015 $117k
May 2015 $121k
Jun 2015 $120k
Jul 2015 $126k
Aug 2015 $123k
Sep 2015 $125k
Oct 2015 $139k
Nov 2015 $146k
Dec 2015 $147k
Jan 2016 $141k
Feb 2016 $149k
Mar 2016 $164k
Apr 2016 $172k
Post by: indentured4now on April 17, 2016, 07:18:28 PM
Without these debt paydown & roof expense, I'd be well into the $115-120k range by now which is about $15K since first of the year... but as it is, I went backwards into the low 90k's. The car note has another $8K to go, then that net monthly cash flow can go back to this challenge to growth. Then the mortgage payoff club gets any windfalls/bonuses to free up that monthly "nut" in another year or so to go to the "growth" side as well... That magic "100% debt free" goal is closer every day (we're now under 40% of the total debt we had before MMM and with greater passive income... so financial freedom can and will be done)!
Post by: FiguringItOut on April 29, 2016, 05:27:59 AM
June $105,555
July $111,700
Aug $112,494
Sep $109,536
Oct $117,581
Nov $121,142
Dec $128,574
2016
Jan $125,464
Feb $128,024
Mar $136,905
Apr $142,895
Post by: PFHC on April 29, 2016, 06:44:58 AM
Aug 2015: $133,000
Sept 2015: $147,097
Oct 2015: $153,200
Nov 2015: $155,986
Dec 2015: $154,299
Jan 2016: $156,663
Feb 2016: $158,332
Mar 2016 $182,654
Apr 2016: $186,898 + $15,000 pension
Post by: ender on April 29, 2016, 07:07:35 AM
Only a few more months I think. Then we can go to the
Post by: NowClear on April 29, 2016, 09:27:15 AM
April 2016: $109,780
Post by: SeattleStache on April 29, 2016, 10:56:39 AM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
January 2016: $101,235
February 2016: $101,464
March 2016: $117,072
April 2016: 120,517
Total NW including real estate and cash savings: $198,330.
Post by: SpareChange on April 30, 2016, 12:34:19 AM
April: $115,969.24
Post by: FrugalFan on April 30, 2016, 11:24:23 AM
2/29/2016: $105,360
3/31/2016: $101,978
Well, this month is different. I always excluded real estate values, but last Friday, we bought a house. So I've got the rental and this house, and a new mortgage. And rather than having it look like I just took a quarter million dollar loss in net worth, I decided I need to start including real estate values. I'm using the purchase price for each property, which I'm hoping is conservative (both appraised for higher than the purchase price, and should hold their value in our relatively stable market.)
So, without any further ado, here's our new net worth:
4/29/2016: $262,438
I guess I'm in the wrong thread :)
Congrats!
Post by: dandypandys on April 30, 2016, 12:44:13 PM
Jan 1st: 98,437.97
Feb 1st: $96,898.03
Mar 1st: $103,345.54
Apr 1st: $103,819.64
May 1st $105,766.12
Jun 1st $106,565.54
Jul 1st: $105,252.33
Aug 1st: $106,267.37
Sept 1st: $99,122.12
Oct 1st: $99,291.91
Nov 1st: $105,204.00
Dec 1st : $107,535.51
2016
Jan 1st:$104,592.84
Feb 1st: $99,467.66
March 1st:$101, 189.11
April 1st: $107,119.81
May 1st: $107,369.22 Stand still? Didn't feel like it.
Post by: Prairie Gal on April 30, 2016, 03:07:39 PM
Sep 1, 2015 100,370
Oct 1, 2015 101,552 1,182
Nov 1, 2015 105,260 3,708
Dec 1, 2015 107,316 2,056
Jan 1, 2016 108,641 1,325
Feb 1, 2016 107,917 -724
Mar 1, 2016 112,893 4,976
Apr 1, 2016 115,730 2,837
May 2, 2016 116,517 787
* Cash and investments. House is paid off, worth approximately $250,000.
Post by: SAfAmBrit on April 30, 2016, 09:53:58 PM
I'm in, I am currently at $219,713. I am including the house and am using personal capital to track. I hope to reach $250,000 by 10/2016 all going well!
3/25 - $219,713
4/30 - $229,057
Post by: ohyonghao on April 30, 2016, 11:43:24 PM
This months numbers:
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016: $172,089.61
April 2016: $177,924.11
A gain of nearly $6,000 while being unemployed. We did have some boarders come for a month, which sort of helped, though we spent about as much as we made on getting the room ready. We have another one lined up for June through August.
Next month I'm not quite expecting to see as much growth as I did this month, but who knows, maybe I'll see more.
Post by: turketron on May 01, 2016, 09:42:03 AM
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
Post by: Apples on May 01, 2016, 11:09:34 AM
Nov. 1 2015: $101,701.11 --- gain of $8,228.48
Dec 1 2015: $106,488.64 --- gain of $4,787.53
Jan. 1 2016: $107,709.77 --- gain of $1,221.14
Feb. 1 2016: $106,318.40 --- loss of $1,402.91
Mar. 1 2016: $108,550.55 --- gain of $2,232.15
Apr. 1 2016: $115,724.63 --- gain of $7,174.08 woohoo market swing up!
May 1 2016: $119,946.35 --- gain of $4,221.72
At this rate, we will have less of a net worth increase this year than we did last year. We are saving slightly more than last year. I've been forgetting to post on here the last few months-I need to get better about that!
Post by: FrugalFan on May 01, 2016, 11:37:22 AM
Jul 2015 196,553
Aug 2015 192,205
Sep 2015 188,724
Oct 2015 207,028
Nov 2015 240,500
Dec 2015 248,758
Jan 2016 245,452
Feb 2016 249,608
Mar 2016 271,295 (Minus college fund is 248,483. So close!)
April 2016 274,222
Minus college fund is $251,521! Yay, graduating to the race to 500k thread. At the current pace, it would take 3-4 years to get there, but we may restructure some things before then.
I went back through my records and discovered that it took us 5 years to reach the first 100k (lower pay, no kids, small house) and another 5 years to reach 200k (higher pay, 2 kids, bigger house). We reached 200k about a year ago, at around the time we discovered MMM. It only took us a year to get to 250k, so finding MMM and adjusting our spending and saving made a big difference!
Good luck to everyone else on this thread!
Post by: mrteacher on May 01, 2016, 12:39:04 PM
5/1: $104,268
At the beginning of the road to $250k!
Post by: tarheeldan on May 01, 2016, 01:16:56 PM
April 2016 274,222
Minus college fund is 251,521! Yay, graduating to the race to 500k thread
Congrats on the quarter mil :-)
Post by: Pooplips on May 02, 2016, 05:17:31 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
Not a bad month at all.
Post by: tarheeldan on May 02, 2016, 05:34:58 AM
4/1/2016 5/1/2016
$100,025.57 $101,430.24
Progress tracking spreadsheet:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=sharing
Post by: Guava on May 02, 2016, 07:09:34 AM
April 2016: $129,352
I am pretty happy with the recent progress after months of stagnation. And I am so, so happy to have completed my first month back at work.
Post by: codemonkey on May 02, 2016, 07:31:12 AM
Investment Accounts only.
January 2015: $77,300
July 2015: $115,800
January 2016: $124,100
February 2016: $127,500
March 2016: $141,700
April 2016: $152,300
Finally crossed the $150k line! The rest of this year should be rather slow going as we front loaded our investments as much as possible this year.
May 2016: $157,000
Post by: 2Birds1Stone on May 02, 2016, 08:02:05 AM
May 1 2016 - $172,000
Post by: dandypandys on May 02, 2016, 08:59:37 AM
Post by: 2Birds1Stone on May 02, 2016, 09:15:52 AM
eugh, you guys all had a big jump last month- not sure why mine is a standstill- maybe because you all contribute way more than me?
Mine was a combo of +$2k contribution +$1k stock market +$2k commodities rally.
Post by: dandypandys on May 02, 2016, 09:30:33 AM
Post by: JLee on May 02, 2016, 09:42:50 AM
Code: [Select]
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
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)
Most of that has got to be my house (mint includes a Zillow estimate, which may actually be a little low) -- the Phoenix market is up roughly 40% over the last ~3 years.
Post by: Guava on May 02, 2016, 09:51:16 AM
eugh, you guys all had a big jump last month- not sure why mine is a standstill- maybe because you all contribute way more than me?
My investment accounts didn't increase too much in April either (I don't have a whole invested and haven't contributed in six months)) but my investment properties are soaring in value and I made a few adjustments to that. Don't be discouraged if your investments are a little slower growing than other's, they may have more invested which creates bigger gains (and losses) and contribute more. We are really only racing ourselves here.
Post by: dandypandys on May 02, 2016, 10:03:19 AM
Post by: FIreDrill on May 02, 2016, 12:01:42 PM
We are currently on a 3 week vacation in Greece so it's weird seeing our numbers continue to rise and the paychecks continue to roll in when we aren't working. Got to love PTO!
Sent from my klte using Tapatalk
Post by: BarbeRiche on May 02, 2016, 12:10:16 PM
Post by: dandypandys on May 02, 2016, 02:11:35 PM
Mine is 0.27% so far for the year, pretty crappy, but i don't understand (i don't understand many things yet) how it is calculated, even with the explanation below.
Rate of Return* Year to Date
0.27%
(01/01/2016 to 05/01/2016)
*Calculates the percentage change of your account balance by weighting all activity included in the time period measured. It includes your investment earnings during the period and is net of plan fees and credits. Indicated returns are cumulative for all periods shown.
Post by: tarheeldan on May 03, 2016, 07:17:15 PM
Do you guys have the same calculation of rate of return on your accounts that i have on my Transamerica account?
Mine is 0.27% so far for the year, pretty crappy,
Hmm my international (vtiax) is up 0.78% ytd but US (vtsax) is up 1.38%. What are you invested in? Also, that's the insurance outfit isn't it? My cousin works for them I think and makes good money, but the corollary is the investment type products he sells make less money for his clients.
Post by: dandypandys on May 03, 2016, 07:50:06 PM
Do you guys have the same calculation of rate of return on your accounts that i have on my Transamerica account?
Mine is 0.27% so far for the year, pretty crappy,
Hmm my international (vtiax) is up 0.78% ytd but US (vtsax) is up 1.38%. What are you invested in? Also, that's the insurance outfit isn't it? My cousin works for them I think and makes good money, but the corollary is the investment type products he sells make less money for his clients.
Yeah it is the 403b, the fees are low, unless their are hidden ones - i did change a lot of things around last month and the month before that might be it. Now i am VSTAX 60% and a couple of other low cost index Van funds to emulate the 3-fund portfolio. Yeah it must be just because i only sorted out my situation recently.. i look forward to a better innings in the future :)
Post by: Mazzinator on May 09, 2016, 03:27:48 PM
Does not include real estate.
5/3/16 - $100,825
Post by: FIreDrill on May 09, 2016, 04:00:09 PM
So happy to finally join you all. It took us 23 months to graduate from the $100k thread...hope to get to $250k in 18-24 months!!Congrats and welcome!
Does not include real estate.
5/3/16 - $100,825
150k in 18 months would be a pretty awesome accomplishment. Good luck!
Sent from my klte using Tapatalk
Post by: onlykelsey on May 09, 2016, 04:22:26 PM
So! I'm 29, own my little condo in NYC (~600K, owe ~360K on my mortgage), finished with my undergrad, law and grad school loans two years ago, and below is my current net worth info (minus house).
Assets
401(K): $90,280
Roth IRA: $23,475
Taxable Brokerage: $40,379
Savings: $5,644 (this does not include checking or some earmarked savings)
Total = $159,778
Liabilities
401(K) loan: ($19,047) (I'm not in a huge rush to pay it off, have 13 months left in my payment plan)
HELOC: ($36,557) (at ~3.25%, this is largely purchase money debt, plus another ~5K that my husband "borrowed" to pay for his share of our wedding, but I'm going to call it plain old debt here. I'm not in a huge rush to pay it off.)
CC: ($133)
Total = $55,737
Net worth = $104,041
My goal for the year is to get to about $160,000, which I think is doable given the principal I'll pay off and amount I'll invest with my year-end bonus.
Post by: Mazzinator on May 11, 2016, 09:52:20 AM
It is a stretch goal. We're moving in a month, which will make saving quite easy. But then we'll move again ~ summer 2017, which is a big unknown. Could slow things down a tad or a whole lot. (My husband is active duty army)So happy to finally join you all. It took us 23 months to graduate from the $100k thread...hope to get to $250k in 18-24 months!!Congrats and welcome!
Does not include real estate.
5/3/16 - $100,825
150k in 18 months would be a pretty awesome accomplishment. Good luck!
Sent from my klte using Tapatalk
Post by: FIreDrill on May 11, 2016, 10:04:06 AM
Always good to have stretch goals :)It is a stretch goal. We're moving in a month, which will make saving quite easy. But then we'll move again ~ summer 2017, which is a big unknown. Could slow things down a tad or a whole lot. (My husband is active duty army)So happy to finally join you all. It took us 23 months to graduate from the $100k thread...hope to get to $250k in 18-24 months!!Congrats and welcome!
Does not include real estate.
5/3/16 - $100,825
150k in 18 months would be a pretty awesome accomplishment. Good luck!
Sent from my klte using Tapatalk
I thought it would take us several years to go from 100 to 250 but we are closing in after only 17 months. Got about 25k to go so probably another 5 months depending on what the market does.
I really do think the first 100 is significantly harder than 100 to 250. By the time we hit 100 our monthly spending and saving was fairly set. We've been going on autopilot ever sense.
Good luck with the move!
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Post by: SpareChange on May 11, 2016, 12:01:02 PM
So happy to finally join you all. It took us 23 months to graduate from the $100k thread...hope to get to $250k in 18-24 months!!
Does not include real estate.
5/3/16 - $100,825
Alright, another grad! Congrats!
Post by: SpareChange on May 11, 2016, 12:06:54 PM
I really do think the first 100 is significantly harder than 100 to 250. By the time we hit 100 our monthly spending and saving was fairly set. We've been going on autopilot ever sense.
I hope so, and I think I'm starting to feel the same way. Just passed 100k in Feb, and everything financially related is very...efficient at this point.
Post by: BBub on May 11, 2016, 12:35:08 PM
Just try to avoid the waiting place, enjoy life & don't let the numbers stress you out. You really won't feel much different with $100k or 200, 300, 400k on the balance sheet. The numbers swirling around in your brain will just be bigger. That's it. At least that's been the case for me.
Post by: Uncle Scrooge on May 11, 2016, 03:52:33 PM
Feb 1, 2015: $129,700
March 1,2015: $134,400
April 1,2015: $147,700
May 1,2015: $153,000
June 1,2015: $155,600
July 1,2015: $141,600
August 1,2015 $145,700
Sept 1, 2015 $145,240
Oct 1, 2015 $144,10
Nov 1,2015 $157,000
December 1,2015 $157,600
January 1, 2016: $160,400
February 1,2016: $160,200
March 1,2016: $170,300
April 1,2016: $177,900
May 1,2016: $181,000
Post by: ender on May 12, 2016, 05:51:35 AM
The first $100k is the hardest. Accumulation gets easier & happens much faster after that. Getting to $100k often entails buying a house, getting on a career path, possibly marrying, buying a car, having a kid, etc. Once you're past the big financial hurdles, stashing is on autopilot & the pace picks up.
Just try to avoid the waiting place, enjoy life & don't let the numbers stress you out. You really won't feel much different with $100k or 200, 300, 400k on the balance sheet. The numbers swirling around in your brain will just be bigger. That's it. At least that's been the case for me.
If you think about it, saving 30k a year means that it only takes 5 years to go from 100k to 250k.
I agree on autopilot. Right now our only real decisions are "save for house" or "save for retirement" or "give money away" in terms of decisions. Rough...
Post by: Apples on May 13, 2016, 09:23:15 AM
Hi Guys! I look forward to joining you next month - I was about $300 shy of the mark at the end of March :-)
I thought I'd bring something to the party, so here's a spreadsheet you we can populate if we wish:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=sharing
*All data entry on the "Data Entry" tab. "The Big Board" tab will auto-populate based on these data.
*EDIT* Opened up access to anyone with the link, had it on private at first
Can someone pretty please sticky this to the front page/first post page of this thread? It always takes me forever to find it.
Post by: runrunruneateateat on May 17, 2016, 08:03:20 AM
I've noticed that the markets affect my savings way more than how much I save each month. For instance, between April and May I saved $1,538 but my net worth still decreased. Hopefully this forum will help me stay on track. Thanks, everyone, for sharing your progress!
January 2016 $89,998
February 2016 $89,602
March 2016 ? (Didn't check)
April 2016 $104,073
May 2016 $103,790
Post by: tarheeldan on May 17, 2016, 09:11:50 AM
If there's room for another, count me in! I just crossed the $100,000 mark last month.
Welcome!
Some of us are tracking our progress here, if you wish: https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=sharing
Post by: tarheeldan on May 24, 2016, 08:25:38 PM
Barely made it to be able to post here, but to me it's a milestone that I've worked towards for years (since grad school).Congratulations!
January 2016$77,986
February 2016$78,974
March 2016$89,757
April 2016 $97,781
May 2016 $100,428
Post by: SAfAmBrit on May 29, 2016, 11:50:55 AM
I'm in, I am currently at $219,713. I am including the house and am using personal capital to track. I hope to reach $250,000 by 10/2016 all going well!
3/25 - $219,713
4/30 - $229,057
5/29 - $243,638
Very good month but not for paying off the mortgage - my Roth is happy though. I think I should hit the goal by the end of July, 3 months ahead of target.
Post by: SeattleStache on May 29, 2016, 12:13:19 PM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
January 2016: $101,235
February 2016: $101,464
March 2016: $117,072
April 2016: 120,517
May 2016: $122,419
Total NW including real estate and cash savings: $202,367.
Post by: PFHC on May 31, 2016, 08:28:08 AM
Aug 2015: $133,000May 2016: $197,500 + $18,000 pension
Sept 2015: $147,097
Oct 2015: $153,200
Nov 2015: $155,986
Dec 2015: $154,299
Jan 2016: $156,663
Feb 2016: $158,332
Mar 2016 $182,654
Apr 2016: $186,898
Post by: screwit on May 31, 2016, 10:29:12 AM
May 2016: 172,565€
Our FIRE aim is 1.6MM€, so we have a hell of a long way to go.
Post by: codemonkey on May 31, 2016, 11:36:27 AM
Investment Accounts only.
January 2015: $77,300
July 2015: $115,800
January 2016: $124,100
February 2016: $127,500
March 2016: $141,700
April 2016: $152,300
Finally crossed the $150k line! The rest of this year should be rather slow going as we front loaded our investments as much as possible this year.
May 2016: $157,000
We are only contributing about 400 a week since we front loaded our investments this year. The rest is market gains.
June 2016: $160,200
Post by: 2Birds1Stone on May 31, 2016, 11:44:22 AM
Jan 1 2016 - $141,000June 1 2016 ~$210,000
May 1 2016 - $172,000
Post by: JJsfr on May 31, 2016, 12:45:01 PM
I suppose I'll join in... It's crazy how week to week or month to month things seem so small, but crazy how things over years can add up. No house, just cash, investments, and SL's. Have been putting away ~$4k month or so.
Dec 2014 $101k
Jan 2015 $102k
Feb 2015 $116k
Mar 2015 $117k
Apr 2015 $117k
May 2015 $121k
Jun 2015 $120k
Jul 2015 $126k
Aug 2015 $123k
Sep 2015 $125k
Oct 2015 $139k
Nov 2015 $146k
Dec 2015 $147k
Jan 2016 $141k
Feb 2016 $149k
Mar 2016 $164k
Apr 2016 $172k
May 2016 $178k
I have no idea how this is going up so much each month. As of January, we just started maxing out the 401k's and saving cash for a down payment.
Post by: styl1 on May 31, 2016, 08:15:25 PM
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Post by: turketron on May 31, 2016, 08:45:13 PM
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
Post by: PFHC on June 01, 2016, 04:50:26 AM
How does this work? You come back and edit your post with an update?
It works however you'd like it to. Some of us like to post by quoting our old post so as to keep a running tally. But, it's not necessary. If you edit your old post, then it will stay buried and we won't be able to track your progress. I would not suggest you do it that way.
Post by: ender on June 01, 2016, 04:54:49 AM
I think I'll add our home as an asset for the price we paid minus about 6% to account for realtor fees if we sold, but that's going to drop us about $10-15k depending on what our total closing costs end up being.
Post by: aneel on June 01, 2016, 05:15:01 AM
June 1, 2016: $102k
Post by: dandypandys on June 01, 2016, 06:04:49 AM
Jan 1st: 98,437.97
Feb 1st: $96,898.03
Mar 1st: $103,345.54
Apr 1st: $103,819.64
May 1st $105,766.12
Jun 1st $106,565.54
Jul 1st: $105,252.33
Aug 1st: $106,267.37
Sept 1st: $99,122.12
Oct 1st: $99,291.91
Nov 1st: $105,204.00
Dec 1st : $107,535.51
2016
Jan 1st:$104,592.84
Feb 1st: $99,467.66
March 1st:$101, 189.11
April 1st: $107,119.81
May 1st: $107,369.22
June 1st: $110,836.03 my contributions went up this month - so doing 10%-- it kinds hurts!
[/quote]
Post by: Guava on June 01, 2016, 06:46:19 AM
May 2016: $136,277
So surprised at the jump this month!
Post by: onlykelsey on June 01, 2016, 07:07:18 AM
Quote
Assets
401(K): $90,280$95,832
Roth IRA: $23,475$23,994
Taxable Brokerage: $40,379$43,970
Savings: $5,644$4,435 (tapped this for a mortgage payment since my paycheck was too small after 401(K) deduction)
Total = $159,778$168,231
Liabilities
401(K) loan:($19,047)($17,830)
HELOC:($36,557)($35,900)
CC:($133)($740) (maternity suits! That's a thing!)
Total =$55,737($54,470)
Net worth =$104,041$113,761 Up nearly 10K this month, which is great.
Post by: JLee on June 01, 2016, 09:10:37 AM
Code: [Select]
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
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
We're getting there! :)
Post by: TrMama on June 01, 2016, 11:42:52 AM
1/7/2016: $119,563
Counting my liquid investments only. Not including home equity (we're not moving so it's moot), the kids RESPs or any of DH's assets.
Post by: Teacherstache on June 01, 2016, 12:01:05 PM
January 2015 = $138,250
August 2015 = $162,400
November 2015 = $173,500
December 2015 = $178,800
January 2016 = $191,200
February 2016 = $196,400
March 2016 = $200,800
I didn't update for April. I guess I forgot. It has been a busy couple of months.
May 2016 = $212,100
Post by: SpareChange on June 01, 2016, 12:25:41 PM
April: $115,969.24
May: $120,397.76
Higher expenses in May...insurance premiums coming due mainly. Also got overcharged on my apt utilities, and declined some extra work to take time off for family/friends. Still, I'll take it :).
Post by: Tris Prior on June 01, 2016, 12:41:52 PM
401k: 78,286.66
Roth: 38,000 (and change; I don't have the statement on me right now but it was just a hair over $38k)
Emergency fund: 8,374.24
Total: 124,660.90
Post by: tarheeldan on June 01, 2016, 04:28:37 PM
4/30 - $229,057
5/29 - $243,638
Very good month but not for paying off the mortgage - my Roth is happy though. I think I should hit the goal by the end of July, 3 months ahead of target.
Nice!
Post by: tarheeldan on June 01, 2016, 04:32:23 PM
I had a pretty good month, up 7.43% or $7,533.04 to $108,869.54. Soft target for the end of the year is $130k.
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=sharing
Post by: Uncle Scrooge on June 01, 2016, 06:35:54 PM
Jan 1, 2015: $125,000
Feb 1, 2015: $129,700
March 1,2015: $134,400
April 1,2015: $147,700
May 1,2015: $153,000
June 1,2015: $155,600
July 1,2015: $141,600
August 1,2015 $145,700
Sept 1, 2015 $145,240
Oct 1, 2015 $144,10
Nov 1,2015 $157,000
December 1,2015 $157,600
January 1, 2016: $160,400
February 1,2016: $160,200
March 1,2016: $170,300
April 1,2016: $177,900
May 1,2016: $181,000
June 1,2016: $181,730
Post by: ohyonghao on June 01, 2016, 07:01:00 PM
This months numbers:
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016: $172,089.61
April 2016: $177,924.11
May 2016: $182,266.37
Our house is about to catch up with the market, so our days of 4k+ improvement may be coming towards an end. This month we have two tenants renting our spare rooms which will help greatly.
Post by: Prairie Gal on June 02, 2016, 07:51:27 AM
Sep 1, 2015 100,370
Oct 1, 2015 101,552
Nov 1, 2015 105,260
Dec 1, 2015 107,316
Jan 1, 2016 108,641
Feb 1, 2016 107,917
Mar 1, 2016 112,893
Apr 1, 2016 115,730
May 1, 2016 116,517
Jun 1, 2016 117,387
* does not include paid off house
Post by: Mazzinator on June 03, 2016, 03:34:58 PM
So happy to finally join you all. It took us 23 months to graduate from the $100k thread...hope to get to $250k in 18-24 months!!
Does not include real estate.
5/3/16 - $100,825
6/3/16 - $104,923
Post by: Enough on June 04, 2016, 02:35:59 PM
Slow and Steady
Jan-15 $103,510
Feb-15 $104,580
Mar-15 $113,223
Apr-15 $118,072
May-15 $122,214
Jun-15 $124,279
Jul-15 $126,969
Guessing that I'll hit it March 2018.
Aug-15 $121,517
Sep-15 $119,105
Oct-15 $130,210
Nov-15 $139,276
Dec-15 $142,945
Jan-16 $142,996
Feb-16 $145,610
Mar-16 $161,315
Apr-16 $161,141
May-16 $181,902
New estimate is Dec 2017 (rather than March 2018)
Post by: Apples on June 04, 2016, 04:23:23 PM
Nov. 1 2015: $101,701.11 --- gain of $8,228.48
Dec 1 2015: $106,488.64 --- gain of $4,787.53
Jan. 1 2016: $107,709.77 --- gain of $1,221.14
Feb. 1 2016: $106,318.40 --- loss of $1,402.91
Mar. 1 2016: $108,550.55 --- gain of $2,232.15
Apr. 1 2016: $115,724.63 --- gain of $7,174.08 woohoo market swing up!
May 1 2016: $119,946.35 --- gain of $4,221.72
At this rate, we will have less of a net worth increase this year than we did last year. We are saving slightly more than last year. I've been forgetting to post on here the last few months-I need to get better about that!
June 1 2016: $125,160.93 --- gain of $5,214.58
Post by: BarbeRiche on June 06, 2016, 03:17:52 PM
Post by: mrteacher on June 10, 2016, 05:19:20 AM
5/1: $104,268
6/1: $107,087
Firmly into the $100,000 range, now. My goals for 9/1 were: $110,000 as a 'easy' goal, $115,000 as a 'reasonable' goal, and $120,00 as a 'stretch' goal. At this pace, I should come really close to my 'reasonable' goal of $115,000, and with a little extra side hustling combined with some nice market gains, I could make a run at $120,000!
9/1/2015 is when I started tracking NW (and I started following MMM in earnest last summer) and I was at $77,000...so cool to see that sort of increase!
Post by: runrunruneateateat on June 10, 2016, 07:03:52 PM
January 2016 $89,998
February 2016 $89,602
March 2016 ? (Didn't check)
April 2016 $104,073
May 2016 $103,790
June 2016 $107,546
My big goal is $120,000 by December 31, 2016. I'm hoping two small raises, in September and October, will help me get there. I also started walking to work rather than taking the subway, which is helping me put away an extra ~$100/month into my retirement account.
Post by: ender on June 10, 2016, 07:12:08 PM
How are you folks valuing your home? I'm tempted to put the value as an asset worth (purchase price) * (0.94) to account for the likely realtor commission when selling. Or leave it as the actual cost we paid for it, but that seems like cheating.
Post by: onlykelsey on June 10, 2016, 07:24:20 PM
How are you folks valuing your home? I'm tempted to put the value as an asset worth (purchase price) * (0.94) to account for the likely realtor commission when selling. Or leave it as the actual cost we paid for it, but that seems like cheating.
I'm not valuing my house in this thread, but in the 250 - 500 thread, I've been using zillow's zestimate (except when it sometimes goes crazy for a few weeks and ups my net worth by 50K).
Post by: JLee on June 10, 2016, 07:25:59 PM
How are you folks valuing your home? I'm tempted to put the value as an asset worth (purchase price) * (0.94) to account for the likely realtor commission when selling. Or leave it as the actual cost we paid for it, but that seems like cheating.
I'm not valuing my house in this thread, but in the 250 - 500 thread, I've been using zillow's zestimate (except when it sometimes goes crazy for a few weeks and ups my net worth by 50K).
I am using the Zillow estimate that Mint pulls, but I have a BPO request sitting on my desk waiting to get mailed out. Once I have that back, I'll update to a fixed value.
Post by: Guava on June 13, 2016, 07:24:41 AM
How are you folks valuing your home? I'm tempted to put the value as an asset worth (purchase price) * (0.94) to account for the likely realtor commission when selling. Or leave it as the actual cost we paid for it, but that seems like cheating.
I leave mine as purchase price, which happened to be near the bottom of the market here. It is worth at least 50k more than I value it, but I never plan to sell it so I don't see much point in adjusting the value every month. I do adjust the values of investment properties about once a year though.
Post by: ender on June 13, 2016, 04:14:46 PM
How are you folks valuing your home? I'm tempted to put the value as an asset worth (purchase price) * (0.94) to account for the likely realtor commission when selling. Or leave it as the actual cost we paid for it, but that seems like cheating.
I'm not valuing my house in this thread, but in the 250 - 500 thread, I've been using zillow's zestimate (except when it sometimes goes crazy for a few weeks and ups my net worth by 50K).
This is what I'm worried about. Zillow's guesstimate is also about $40k lower than we paid for it currently, though that has jumped around a bunch...
Maybe I'll just stick purchase price there and
Post by: indentured4now on June 18, 2016, 05:52:52 AM
Post by: PFHC on June 26, 2016, 04:57:13 AM
Aug 2015: $133,000Jun 2016: $227,300
Sept 2015: $147,097
Oct 2015: $153,200
Nov 2015: $155,986
Dec 2015: $154,299
Jan 2016: $156,663
Feb 2016: $158,332
Mar 2016 $182,654
Apr 2016: $186,898
May 2016: $197,500 + $18,000 pension
Just became vested in my pension. They release the value yearly and I had underestimated it's value previously. It is worth $25,000 and I am now including it in my net worth since I am vested.
I am now staring down $250,000! Hoping to get there sometime Q1 next year. I just started a side job that could prove rather lucrative, so that could come even sooner.
Post by: screwit on June 27, 2016, 05:48:39 AM
Net worth, not including the house and mortgage or checking accountsJune 2016: 187.815€
May 2016: 172,565€
And including house and mortgages (because it makes me feel better):
June 2016: 360,531€
Post by: PFHC on June 28, 2016, 04:00:52 AM
Net worth, not including the house and mortgage or checking accountsJune 2016: 187.815€
May 2016: 172,565€
And including house and mortgages (because it makes me feel better):
June 2016: 360,531€
You're all done with this thread if that's your net worth!
Post by: screwit on June 28, 2016, 11:56:50 AM
Net worth, not including the house and mortgage or checking accountsJune 2016: 187.815€
May 2016: 172,565€
And including house and mortgages (because it makes me feel better):
June 2016: 360,531€
You're all done with this thread if that's your net worth!
I haven't wanted to include the house because i can't eat it in FIRE and i think it gives me a false sense of security. I've got a long way to go and am trying to keep myself eager, so all I'm really counting right now is net worth minus house&mortgage. I had just checked the value of our property (which had gone up by 30% on 3 years) and wanted to add that in once )
Post by: PFHC on June 29, 2016, 05:18:05 AM
I haven't wanted to include the house because i can't eat it in FIRE and i think it gives me a false sense of security. I've got a long way to go and am trying to keep myself eager, so all I'm really counting right now is net worth minus house&mortgage. I had just checked the value of our property (which had gone up by 30% on 3 years) and wanted to add that in once )
Understood. I, on the other hand, plan to 'eat' my house. Once the kids are gone, there's not a whole lot of reasons we would keep the house. Would much rather rent as we travel or way downsize to a something sub-750 sq ft.
Post by: jbjr on June 29, 2016, 09:14:29 AM
This is for invested assets only.
February 2016 - $180,741
March 2016 - $190,352
But incidentally I crossed the $300k mark in total net worth (includes house, car, and other physical assets) this month. Which feels pretty good considering my net worth moved into the black for the first time in 2011. The 1st 100k was definitely the hardest.
Haven't update in a while. But as of today here's where I stand. Looking to push past 250 by the end of the year. And I have a stretch goal of $255k
June 2016 - $215,897
Post by: ender on June 30, 2016, 06:00:29 AM
So... haven't decided whether we'll leave this thread or not :-)
Post by: JJsfr on June 30, 2016, 04:52:18 PM
I suppose I'll join in... It's crazy how week to week or month to month things seem so small, but crazy how things over years can add up. No house, just cash, investments, and SL's. Have been putting away ~$4k month or so.
Dec 2014 $101k
Jan 2015 $102k
Feb 2015 $116k
Mar 2015 $117k
Apr 2015 $117k
May 2015 $121k
Jun 2015 $120k
Jul 2015 $126k
Aug 2015 $123k
Sep 2015 $125k
Oct 2015 $139k
Nov 2015 $146k
Dec 2015 $147k
Jan 2016 $141k
Feb 2016 $149k
Mar 2016 $164k
Apr 2016 $172k
May 2016 $178k
June 2016 $183k
Post by: FiguringItOut on June 30, 2016, 11:13:57 PM
June $105,555
July $111,700
Aug $112,494
Sep $109,536
Oct $117,581
Nov $121,142
Dec $128,574
2016
Jan $125,464
Feb $128,024
Mar $136,905
Apr $142,895
May $149,631
Jun $148,735
Post by: SAfAmBrit on July 01, 2016, 12:18:41 AM
Post by: turketron on July 01, 2016, 06:22:53 AM
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
Post by: SpareChange on July 01, 2016, 06:32:58 AM
Post by: onlykelsey on July 01, 2016, 06:53:52 AM
June 30 vs May 31:
Assets
401(K):$95,832$95,608 I've maxed this for the year, so it should just be market fluctuations now.
Roth IRA:$23,994$25,045 This has been maxed for months. I wonder why it's up in value and my 401(K) is down...
Taxable Brokerage:$43,970$46,390
Savings:$4,435$5,935 This is being rebuilt 3K a month starting now. I was maybe overzealous with my 401(K) funding and had to tap this for mortgage stuff.
Total =$168,231$172,978
Liabilities
401(K) loan:($17,830)($16,700)
HELOC:($35,900)($36,271) Deciding whether to throw money at this (3.x% floating, comes down to 2% with my tax situation) or investment.
CC:($740)($89)
Total =($54,470)($53,060)
Net worth =$113,761$119,918 Up about 6K this month, which is great. My paychecks are now going to be ~250 bigger every two weeks, so hopefully this pace will accelerate a bit.
Post by: SeattleStache on July 01, 2016, 07:55:41 AM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
January 2016: $101,235
February 2016: $101,464
March 2016: $117,072
April 2016: 120,517
May 2016: $122,419
June 2016: $123,916
Total NW including real estate and cash savings: $204,864.
Just got my fist paycheck as a CA resident (moved here from Seattle with the same job I had up there) and OUCH with the state income tax! I knew it was coming but still unpleasant to see now that it's happened. Will require some adjusting.
Post by: Guava on July 01, 2016, 08:29:12 AM
June 2016: $139,619
Drained part of my cash account to pay off a 0% interest credit card in June but still happy with a four digit increase. I am feeling like I am in a routine now.
Post by: JLee on July 01, 2016, 10:50:43 AM
Code: [Select]
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
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
I'm kinda stunned at how fast the number is climbing.
Post by: ohyonghao on July 01, 2016, 12:45:41 PM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016: $172,089.61
April 2016: $177,924.11
May 2016: $182,266.37
June 2016: $195,382.39
Between AirBNB, medical tourism, test riding bicycles, SEA, and stocks somehow we managed to increase our net worth by $13,116.02!
I had sent in a rollover request with my last job to get the 401k into a Vanguard IRA. As it so happens the request on my employers side got sent out Tuesday before the Brexit, which I hadn't even heard of until John Oliver mentioned it on Sunday. The transaction went through selling the index fund at it's peak on Thursday, and made it into the Vanguard IRA after it had fallen 6%! It has now regained their losses, and what a gain for me. I didn't try to time the market, just happened to stumble on it and gained a quick 5%. My only regret is not having started using the 401k sooner.
Post by: tarheeldan on July 01, 2016, 02:12:28 PM
Well we squeaked in at $250358. Onwards and upwards we go to the next level - hoping to be back here on the investments and cash only track, looking forward to seeing you all soon either here, or the next level. Thank-you, I have felt very supported here.
Congratulations!!!!
Post by: tarheeldan on July 01, 2016, 02:13:01 PM
June: $126,765.57, up $6,367.81. Good month! :)
Nice jump!
Post by: tarheeldan on July 01, 2016, 02:15:53 PM
Steady as she goes :-)
Some of us are tracking our progress here:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=sharing
Congrats again to safambrit, the first to go up on the "Graduates" tab!
Post by: 2Birds1Stone on July 01, 2016, 02:18:11 PM
Officially at ~$255,000k NW between my SO and I.
Hope to see you guys in the $250k->$500k thread soon!
Post by: tarheeldan on July 01, 2016, 02:20:17 PM
Good bye everyone, hopefully I don't come back to this thread.
Officially at ~$255,000k NW between my SO and I.
Hope to see you guys in the $250k->$500k thread soon!
Congratulations!! Maybe I'll see you on the next thread unless you graduate that one quickly :-)
Post by: Mazzinator on July 01, 2016, 02:30:08 PM
Post by: SpareChange on July 01, 2016, 11:11:17 PM
Congrats to safambrit and 2b1s!!!
Ditto! Congratulations! Keep it up.
Post by: BarbeRiche on July 03, 2016, 01:22:32 PM
Good bye everyone, hopefully I don't come back to this thread.
Officially at ~$255,000k NW between my SO and I.
Hope to see you guys in the $250k->$500k thread soon!
Congratz!!! Hope to join you soon!
My biggest networth upgrade lifetime ---> + 23 061$ !!!!
≈ 13k savings from income
≈ 10k increase in TFSA
(http://i.imgur.com/xGyrFYW.png)
Post by: Apples on July 04, 2016, 01:13:26 PM
Nov. 1 2015: $101,701.11 --- gain of $8,228.48Mar. 1 2016: $108,550.55 --- gain of $2,232.15
Dec 1 2015: $106,488.64 --- gain of $4,787.53
Jan. 1 2016: $107,709.77 --- gain of $1,221.14
Feb. 1 2016: $106,318.40 --- loss of $1,402.91
Apr. 1 2016: $115,724.63 --- gain of $7,174.08 woohoo market swing up!
May 1 2016: $119,946.35 --- gain of $4,221.72
June 1 2016: $125,160.93 --- gain of $5,214.58
July 1 2016: 127,094.93 --- gain of $1,934.00
I'm just glad there was any gain at all this past month. The markets were a little bumpy and we went on a short trip and hosted family, so we were spending money everywhere.
Post by: Tris Prior on July 05, 2016, 11:31:26 AM
401k: 78,742.42
Roth: 42,442.33
Emergency fund: 8,349.36
Total: 129,534.11
June 1 Total: 124,660.90
Increase: 4873.21
Post by: mrteacher on July 05, 2016, 11:46:48 AM
4/1: $100,869
5/1: $104,268
6/1: $107,087
Firmly into the $100,000 range, now. My goals for 9/1 were: $110,000 as a 'easy' goal, $115,000 as a 'reasonable' goal, and $120,00 as a 'stretch' goal. At this pace, I should come really close to my 'reasonable' goal of $115,000, and with a little extra side hustling combined with some nice market gains, I could make a run at $120,000!
9/1/2015 is when I started tracking NW (and I started following MMM in earnest last summer) and I was at $77,000...so cool to see that sort of increase!
7/1: $112,489
I've achieved my 'easy' goal, and with two months left until my 9/1 end date, I should certainly hit the $115,000. The stretch goal will be tough, but that's why it's my stretch goal!
Post by: Mazzinator on July 06, 2016, 08:20:33 AM
So happy to finally join you all. It took us 23 months to graduate from the $100k thread...hope to get to $250k in 18-24 months!!
Does not include real estate.
5/3/16 - $100,825
6/3/16 - $104,923
7/6/16 - $106,848
Post by: dandypandys on July 07, 2016, 05:47:02 AM
Jan 1st: 98,437.97
Feb 1st: $96,898.03
Mar 1st: $103,345.54
Apr 1st: $103,819.64
May 1st $105,766.12
Jun 1st $106,565.54
Jul 1st: $105,252.33
Aug 1st: $106,267.37
Sept 1st: $99,122.12
Oct 1st: $99,291.91
Nov 1st: $105,204.00
Dec 1st : $107,535.51
2016
Jan 1st:$104,592.84
Feb 1st: $99,467.66
March 1st:$101, 189.11
April 1st: $107,119.81
May 1st: $107,369.22
June 1st: $110,836.03 my contributions went up this month - so doing 10%-- it kinds hurts!
July 1st: $112,327.7
Post by: use2betrix on July 08, 2016, 06:16:14 AM
Post by: codemonkey on July 11, 2016, 10:24:33 AM
Investment Accounts only.
January 2015: $77,300
July 2015: $115,800
January 2016: $124,100
February 2016: $127,500
March 2016: $141,700
April 2016: $152,300 - Finally crossed the $150k line! The rest of this year should be rather slow going as we front loaded our investments as much as possible this year.
May 2016: $157,000
June 2016: $160,200 - We are only contributing about 400 a week since we front loaded our investments this year. The rest is market gains.
We are up $48,000 from last July, which is about $2k behind where I was hoping we would be. Not a bad year overall though.
July 2016: $163,600
Post by: Nick_Miller on July 11, 2016, 11:23:55 AM
Our NW is around $120K - I need to grab the exact number from my spreadsheet at home tonight.
We're going our best to pump it up about $3K-$4K per month through combination of student debt paydown (accelerating payments big time!), car payments, increased investments in 401k and Roth, and mortgage payment.
$150k by year's end probably won't happen unless I earn a few big bonuses.
Post by: runrunruneateateat on July 11, 2016, 01:26:10 PM
February 2016 $89,602
March 2016 ? (Didn't check)
April 2016 $104,073
May 2016 $103,790
June 2016 $107,546
July 2016 $110,370
I've been steadily ratcheting up my retirement contributions over the past few months, which feels great. I'm also finding that my urge to buy new things is going away. When I think about buying something, I think about my big goals and then the little conveniences/clothes/makeup don't appeal to me as much as they used to.
I'm still aiming for $120,000 by year's end, and with a ~$2k/month average over the past 4 months, I'm optimistic that I can do it.
Post by: Pooplips on July 14, 2016, 09:32:57 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
Havn't updated this in a while. Having a new baby will do that to you.
6/1/2016 - $126,469.00
7/1/2016 - $130,494.00
Post by: Nick_Miller on July 18, 2016, 12:26:12 PM
May 2016: $106,529
June 2016: $109,892
July 2016: $115,035
We should be able to increase it by $3K monthly, bare minimum, for the rest of the year, so we should be at $130K by year's end. But we'll shoot for $135K!
Post by: Erma on July 18, 2016, 12:27:05 PM
Post by: Nick_Miller on July 19, 2016, 02:11:25 PM
1/31/16 - $101,376.00
3/1/2016 - $102,990.00
4/1/2016 - $116,749.00
5/1/2016 - $119,487.00
Havn't updated this in a while. Having a new baby will do that to you.
6/1/2016 - $126,469.00
7/1/2016 - $130,494.00
Good job with those huge leaps forward! What did you do in April and June to make such huge progress?
And I love your name btw...I'm not sure why.
Post by: gggggg on July 20, 2016, 03:34:08 PM
Post by: TravelJunkyQC on July 22, 2016, 08:40:07 AM
Love this thread!
Post by: 10dollarsatatime on July 24, 2016, 01:01:29 PM
7/24/2016 - $101,590.33
It grew to here faster than I though possible given my lower salary. I started 2.5 years ago @ $8000ish. Some of this is home equity, but I'm counting it anyway. This way I can count the 6 digit milestone twice; now and when I hit 6 digits liquid.
Post by: PFHC on July 25, 2016, 05:56:12 AM
First post! I just graduated into the 6 digit net worth category. :)Congrats and welcome!
7/24/2016 - $101,590.33
It grew to here faster than I though possible given my lower salary. I started 2.5 years ago @ $8000ish. Some of this is home equity, but I'm counting it anyway. This way I can count the 6 digit milestone twice; now and when I hit 6 digits liquid.
Post by: PFHC on July 25, 2016, 06:02:44 AM
Aug 2015: $133,000
Sept 2015: $147,097
Oct 2015: $153,200
Nov 2015: $155,986
Dec 2015: $154,299
Jan 2016: $156,663
Feb 2016: $158,332
Mar 2016 $182,654
Apr 2016: $186,898
May 2016: $197,500 + $18,000 unvested pension
Jun 2016: $227,300
Jul 2016: $243,161
Had a nice windfall this month when VW made plans to buy our car back for $20,827! We will replace it with a mustachian Mazda 5 for <$6000, so, I'm including the remainder in our net worth.
Should be leaving his thread by the end of the month!
Post by: ohyonghao on July 26, 2016, 03:41:20 PM
Aug 2015: $133,000
Sept 2015: $147,097
Oct 2015: $153,200
Nov 2015: $155,986
Dec 2015: $154,299
Jan 2016: $156,663
Feb 2016: $158,332
Mar 2016 $182,654
Apr 2016: $186,898
May 2016: $197,500 + $18,000 unvested pension
Jun 2016: $227,300
Jul 2016: $243,161
Had a nice windfall this month when VW made plans to buy our car back for $20,827! We will replace it with a mustachian Mazda 5 for <$6000, so, I'm including the remainder in our net worth.
Should be leaving his thread by the end of the month!
That's a great windfall!
I had a similar thing happen with the extended warranty I got on my car when I bought it used. They forgot to file the paperwork for it and I realized that the warranty was going to cost me more in wasted maintenance (change oil every 5k mi or 3 mo even though the cars manual says every 15k or 12 mo) that had to be done at a shop and not by myself than I would ever get out of it. I had called to find out where the warranty paperwork was and they couldn't find it. A follow up later and they offered to either start the warranty from that day on or to refund the money, I chose the refund and have not regretted it.
Post by: tarheeldan on July 28, 2016, 02:58:25 PM
First post! I just graduated into the 6 digit net worth category. :)Nice! Welcome :-)
7/24/2016 - $101,590.33
It grew to here faster than I though possible given my lower salary. I started 2.5 years ago @ $8000ish. Some of this is home equity, but I'm counting it anyway. This way I can count the 6 digit milestone twice; now and when I hit 6 digits liquid.
Post by: JLee on July 29, 2016, 10:45:31 AM
Code: [Select]
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
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
Post by: easternblockbabe on July 29, 2016, 06:08:37 PM
July 28 2016: $ 150,359.87 retirement $204,445.70* total
*Does not include house value and liabilities
Post by: SpareChange on July 29, 2016, 10:48:57 PM
Post by: ender on July 30, 2016, 07:46:14 AM
Post by: SeattleStache on July 30, 2016, 07:50:04 AM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
January 2016: $101,235
February 2016: $101,464
March 2016: $117,072
April 2016: 120,517
May 2016: $122,419
June 2016: $123,916
July 2016: $131, 349
Total NW including real estate and cash savings: $216,349.
Post by: ohyonghao on July 30, 2016, 04:05:15 PM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016: $172,089.61
April 2016: $177,924.11
May 2016: $182,266.37
June 2016: $195,382.39
July 2016: $207,370.73
Pretty good in the market and got new tenants in yesterday, which sort of inflated this months numbers. I'm forever surprised how much it's been going up since I stopped working.
Post by: onlykelsey on July 30, 2016, 08:29:37 PM
Assets
401(K):
Roth IRA:
Taxable Brokerage:
Savings:
Total =
Liabilities
401(K) loan:
HELOC:
Total =
Net worth =
Post by: JJsfr on July 31, 2016, 07:07:57 AM
I suppose I'll join in... It's crazy how week to week or month to month things seem so small, but crazy how things over years can add up. No house, just cash, investments, and SL's. Have been putting away ~$4k month or so.
Dec 2014 $101k
Jan 2015 $102k
Feb 2015 $116k
Mar 2015 $117k
Apr 2015 $117k
May 2015 $121k
Jun 2015 $120k
Jul 2015 $126k
Aug 2015 $123k
Sep 2015 $125k
Oct 2015 $139k
Nov 2015 $146k
Dec 2015 $147k
Jan 2016 $141k
Feb 2016 $149k
Mar 2016 $164k
Apr 2016 $172k
May 2016 $178k
June 2016 $183k
July 2016 $193k
Post by: FIreDrill on July 31, 2016, 12:13:28 PM
Start of
Feb 2015: $120,796
Mar 2015: $125,852
Apr 2015: $134,096
May 2015: $147,916
Jun 2015: $151,413
Jul 2015: $159,678
Sep 2015: $152,854
Oct 2015: $157,447
Nov 2015: $171,938
Dec 2015: $181,198
Jan 2015: $203,468
Feb 2016: $198,042
Mar 2016: $206,381
Apr 2016: $217,931
May 2016: $223,700
Jun 2016: $228,818
Jul 2016: $233,784
Aug 2016: $246,760
Getting close! Should cross the line next month if the market stays flat.
Post by: dandypandys on July 31, 2016, 02:53:15 PM
Been playing with my wee chart today. Getting close to 250k! :) if I include everything and minus off the 6k left on mortgage, which is where I have been making the most progress at the moment.
Post by: Pooplips on August 01, 2016, 05:11:55 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
Post by: Guava on August 01, 2016, 07:03:52 AM
July 2016: $143,948
I was thinking about this number last night and what it means to me for a long time. The last year of my life has been filled with changes, most big, and most expensive. August and September will be the last months of paying off my medical bills, and hopefully the last months of our lingering remodel. They will also be my last months unmarried. This number will be changing a lot still these next few months before things even out...and I am very excited for all of these changes.
Post by: FITortoise on August 01, 2016, 07:20:03 AM
Start of
Feb 2015: $120,796
Mar 2015: $125,852
Apr 2015: $134,096
May 2015: $147,916
Jun 2015: $151,413
Jul 2015: $159,678
Sep 2015: $152,854
Oct 2015: $157,447
Nov 2015: $171,938
Dec 2015: $181,198
Jan 2015: $203,468
Feb 2016: $198,042
Mar 2016: $206,381
Apr 2016: $217,931
May 2016: $223,700
Jun 2016: $228,818
Jul 2016: $233,784
Aug 2016: $246,760
Getting close! Should cross the line next month if the market stays flat.
Congrats!!! That's great progress. Can you share what specific actions you've taken, or investments you've made, to get you to double NW in 1.5 years? I want to learn and be inspired :-)
Post by: FIreDrill on August 01, 2016, 09:03:54 AM
Start of
Feb 2015: $120,796
Mar 2015: $125,852
Apr 2015: $134,096
May 2015: $147,916
Jun 2015: $151,413
Jul 2015: $159,678
Sep 2015: $152,854
Oct 2015: $157,447
Nov 2015: $171,938
Dec 2015: $181,198
Jan 2015: $203,468
Feb 2016: $198,042
Mar 2016: $206,381
Apr 2016: $217,931
May 2016: $223,700
Jun 2016: $228,818
Jul 2016: $233,784
Aug 2016: $246,760
Getting close! Should cross the line next month if the market stays flat.
Congrats!!! That's great progress. Can you share what specific actions you've taken, or investments you've made, to get you to double NW in 1.5 years? I want to learn and be inspired :-)
The usual mustachian advice. Decrease your spending and put raises towards investments.
We are invested in total market index funds such as VTI. One of biggest things that helped accelerate our portfolio growth was taking advantage of pre-tax accounts. We have two 401k's, two IRA's, and one HSA. This allows us to tax shelter over 60k per year after you include employer matches. So we save over 10k in taxes per year by doing this.
Things may be slowing down ALOT next year though. My wife may be leaving her job and exploring a more independent career field.
Post by: turketron on August 01, 2016, 11:34:34 AM
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
Post by: MichaelB on August 01, 2016, 02:04:46 PM
I discovered MMM a couple of months ago--April or May. My wife and were doing pretty good for the average American--savings rate was probably about 15% or so. But we kept zero track of our expenses. We just had some auto draft stuff set up into a Roth and our employer plans, and our checking account stayed in roughly the same range from month to month. But we started trimming some fat from our expenses (still plenty to go--I don't have a bike, for example, and we both commute by car every day) and really focused on pumping all our extra funds into investments. Our savings rate for the year, according to my spreadsheets, is at 30%, but it's probably quite a bit higher than that over the last few months, since I only found MMM in April.
So I'm excited to hit this milestone!
Post by: dandypandys on August 01, 2016, 06:54:57 PM
Jan 1st: 98,437.97
Feb 1st: $96,898.03
Mar 1st: $103,345.54
Apr 1st: $103,819.64
May 1st $105,766.12
Jun 1st $106,565.54
Jul 1st: $105,252.33
Aug 1st: $106,267.37
Sept 1st: $99,122.12
Oct 1st: $99,291.91
Nov 1st: $105,204.00
Dec 1st : $107,535.51
2016
Jan 1st:$104,592.84
Feb 1st: $99,467.66
March 1st:$101, 189.11
April 1st: $107,119.81
May 1st: $107,369.22
June 1st: $110,836.03 my contributions went up this month to 10%
July 1st: $112,327.7
Aug 1st: $116,833.52 upped contributions to 10.5%, work adds 10.5% too- can't be believe I didn't at least match them before!
Post by: Uncle Scrooge on August 01, 2016, 06:56:22 PM
Jan 1,2015- $111,500
July 1,2015- $112,000
Jan 1,2016- $131,900
July 1,2016- $156,400
August 1,2016- $159,000
Post by: mrteacher on August 02, 2016, 06:58:37 AM
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
It's inspiring seeing everyone else's progress! Keeps me motivated (and, without a doubt, humble!)
I'm on target to hit my "reach" goal of $120,000 by 9/1! If I do, that'll mean I've increased my NW by $43,000 since 9/1/15. Holy crap!! This is the first year I've been eligible for an employer match, and the first year that I'm maxing my 403(b); amazing what some tax sheltered stashing can do!
Post by: ender on August 02, 2016, 07:13:13 AM
I'm on target to hit my "reach" goal of $120,000 by 9/1! If I do, that'll mean I've increased my NW by $43,000 since 9/1/15. Holy crap!! This is the first year I've been eligible for an employer match, and the first year that I'm maxing my 403(b); amazing what some tax sheltered stashing can do!
In our "net worth tracking" sheet I have a column that compares net worth to a year prior. Kind of interesting to see :) It'll be interesting to see the effect over the course of a year. Market swings affect this a fair bit, though. Hah.
Post by: mrteacher on August 02, 2016, 07:16:25 AM
I'm on target to hit my "reach" goal of $120,000 by 9/1! If I do, that'll mean I've increased my NW by $43,000 since 9/1/15. Holy crap!! This is the first year I've been eligible for an employer match, and the first year that I'm maxing my 403(b); amazing what some tax sheltered stashing can do!
In our "net worth tracking" sheet I have a column that compares net worth to a year prior. Kind of interesting to see :) It'll be interesting to see the effect over the course of a year. Market swings affect this a fair bit, though. Hah.
Me too! I love looking at the year over year progress -- but I agree, market swings can decimate the NW for a few months and make it look like no progress is being made! For example at the beginning of 2016 I dipped $2,000 from 1/1-2/1.
Post by: tarheeldan on August 03, 2016, 08:18:22 AM
Up 4.8% or %5,371.06 last month to $118,457.93. Thanks to the markets and despite some heavy expenses (new set of 4 tires, vehicle registration, annual vet visit, baby shower gifts).
Up 3.9% this month or $4,273 to $113,099.
Some of us are tracking our progress here:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=sharing
Post by: Mazzinator on August 03, 2016, 07:43:54 PM
8/3/16 - $116,321So happy to finally join you all. It took us 23 months to graduate from the $100k thread...hope to get to $250k in 18-24 months!!
Does not include real estate.
5/3/16 - $100,825
6/3/16 - $104,923
7/6/16 - $106,848
Post by: indentured4now on August 07, 2016, 04:25:09 AM
Hi all! I've been MIA for a few months but am proud to say "the kid is back"! Just paid off the auto loan i focused (er, obsessed) on the past few months and stached 5k in the investment account for this challenge to get back over $101k. And on 7/1, will put the free cash flow of the former auto loan towards the mortgage payoff club... I feel so "less dirty" now without that stupid auto debt... ;-)
August update - The summer months have been challenging... Overall, up to $103K which seems good. But spent clown money on vacation and all the stuff to send my oldest to college. The silver lining is I sold a sizeable muni-fund income investment back in the spring that just took at 10% capital hit due to a reduction in monthly payout (for once I read the details of the annual report and interpreted correctly to sell high on that one)... So call it an "avoided loss" which is "just like cash which is as good as real money" as Yogi Berra said on the old AFLAC commercials... :)
Post by: codemonkey on August 08, 2016, 09:48:13 AM
Investment Accounts only.
January 2015: $77,300
July 2015: $115,800
January 2016: $124,100
February 2016: $127,500
March 2016: $141,700
April 2016: $152,300 - Finally crossed the $150k line! The rest of this year should be rather slow going as we front loaded our investments as much as possible this year.
May 2016: $157,000
June 2016: $160,200 - We are only contributing about 400 a week since we front loaded our investments this year. The rest is market gains.
July 2016: $163,600 - We are up $48,000 from last July, which is about $2k behind where I was hoping we would be. Not a bad year overall though
August 2016: $170,800 - It was a good month in the market
Post by: Slurgi on August 09, 2016, 11:25:12 AM
Includes only financial net-worth (I don't have any other meaningful assets anyway); investment account holdings less student loan debt.
Code: [Select]
20160801: $101,832.52
Post by: PFHC on August 11, 2016, 01:56:36 AM
Okay, I'm in. First post!Congrats and welcome Slurgi!
Includes only financial net-worth (I don't have any other meaningful assets anyway); investment account holdings less student loan debt.Code: [Select]20160801: $101,832.52
Post by: kickel on August 11, 2016, 11:00:55 AM
8/8/16: $101,750
Post by: tarheeldan on August 11, 2016, 11:41:48 AM
Post by: PFHC on August 11, 2016, 07:35:00 PM
Finally made it into this thread! I'm amazed at how much some of you guys are able to put away each month. Is it high income, dual income, market return. Either way I'm jealous. Well here is my starting point, with no home equity.Congrats and welcome, Kickel! No need to be jealous, you are kicking ass in your own right, just by being here!
8/8/16: $101,750
To answer your questions, we're single income and the decent increases we've shown are reflected in the screenshot of our financial chart since Dec 2010. Shows all the pertinent data:
(https://s-media-cache-ak0.pinimg.com/originals/fe/5e/28/fe5e2827e263d2981bea3dd044e70117.png)
For us, I would say its a combination of a decent income (its been high at times, but I hesitate to call it high all the time), frugal life choices, and putting our money in the right places. For investments, we're simple: we do 90% stock based index funds, 10% bond index. So, returns on investments reflect what the market does. We paid all toxic debt (which includes school and car loans) down SUPER aggressively, have put money into improving our house (which has shown fairly decent returns), and that's about it.
My analysis of the data is that following MMM has been the biggest thing for allowing us large increases in net worth. We have always been anti-debt, but started following MMM in early 2015. You can see that despite making less money year after year since 2014, our stash has still been following a nice logarithmic growth. That is due largely to our steadily increasing savings rate.
Post by: dandypandys on August 12, 2016, 04:50:32 AM
Post by: kickel on August 12, 2016, 09:46:21 AM
Thanks for the break down PFHC!!
Post by: PFHC on August 12, 2016, 02:55:33 PM
That is an awesome breakdown. Thanks for sharing! Ya I've started making the transition, changed jobs, and now I ride my bike to work everyday. Which is awesome, cooking more and less nights out on the town have definitely helped. The last step from here is to raise my income, without raising my standard of living.My pleasure. I can remember in 2011, when I embarked upon improving our financial life, looking at my net worth and investments and wondering how I could ever possiblly have $100k in the bank or ever be worth anything more than $25k. I can remember when we'd get a little jealous and bummed, but we just stuck with it and it certainly seems to be working.
Thanks for the break down PFHC!!
Post by: SpareChange on August 14, 2016, 04:09:01 PM
That is an awesome breakdown. Thanks for sharing! Ya I've started making the transition, changed jobs, and now I ride my bike to work everyday. Which is awesome, cooking more and less nights out on the town have definitely helped. The last step from here is to raise my income, without raising my standard of living.
Thanks for the break down PFHC!!
Congrats on making it to the next level!!
I'm not exactly in the top echelon in this thread, but I don't mind sharing my own experience, even if I don't have a cool chart to go along with it :). Single income. No dependents. Renter. Here's the recent history of my SS earnings record:
2011: $13,078
2012: $37,783
2013: $60,970
2014: $74,018
2015: $89,449
I graduated with the degree I currently use in May of 2012. At that time I had roughly $50k in debt, just over 80% of which was in graduate student loans. My net worth would've been around -$45k to -$50k. I paid off my non-student loan debt by Nov 2012, and my last student loan in Jan 2015. I worked on a PRN basis from graduation until Mar 2014, when I accepted a FT position. My expenses last year (outside of the last ~$4500 stud loan payments) were ~$18,350. Could've easily knocked off another $1k or so. Food and drink could've been optimized better. I don't commute on a bike, and my car is not the most gas efficient. I keep around $2k in checking, and the rest of my assets are in index funds. Market really didn't do jack for me last year. Net worth at the end of July was just over $134k.
Anyway, hope that helps! :)
Post by: t5inside on August 16, 2016, 08:20:14 AM
Feb-15 $66,984.00
Mar-15 $71,573.00
Apr-15 $80,075.00
May-15 $90,638.00
Jun-15 $87,398.00
Jul-15 $88,943.00
Aug-15 $96,491.00
Sep-15 $105,033.00
Oct-15 $117,029.00
Nov-15 $124,767.00
Dec-15 $134,181.00
Jan-16 $140,510.00
Feb-16 $144,519.00
Mar-16 $154,952.00
Apr-16 $167,621.00
May-16 $177,354.00
Jun-16 $183,866.00
Jul-16 $195,548.00
Aug-16 $204,734.00
Edit: About $50k of that is house appreciation, but I do count that still.
Post by: FIreDrill on August 16, 2016, 10:05:09 AM
I'm pretty new here, but have been YNAB'ing and on this path since early 2015. I just crossed $200k NW, so my celebration is to post my progress here :)
Feb-15 $66,984.00
Mar-15 $71,573.00
Apr-15 $80,075.00
May-15 $90,638.00
Jun-15 $87,398.00
Jul-15 $88,943.00
Aug-15 $96,491.00
Sep-15 $105,033.00
Oct-15 $117,029.00
Nov-15 $124,767.00
Dec-15 $134,181.00
Jan-16 $140,510.00
Feb-16 $144,519.00
Mar-16 $154,952.00
Apr-16 $167,621.00
May-16 $177,354.00
Jun-16 $183,866.00
Jul-16 $195,548.00
Aug-16 $204,734.00
Welcome and congrats on hitting 200k!
Your NW is increasing pretty rapidly. Way to keep it up over the last 2 years!
Post by: SpareChange on August 16, 2016, 10:19:53 AM
I'm pretty new here, but have been YNAB'ing and on this path since early 2015. I just crossed $200k NW, so my celebration is to post my progress here :)
Feb-15 $66,984.00
Mar-15 $71,573.00
Apr-15 $80,075.00
May-15 $90,638.00
Jun-15 $87,398.00
Jul-15 $88,943.00
Aug-15 $96,491.00
Sep-15 $105,033.00
Oct-15 $117,029.00
Nov-15 $124,767.00
Dec-15 $134,181.00
Jan-16 $140,510.00
Feb-16 $144,519.00
Mar-16 $154,952.00
Apr-16 $167,621.00
May-16 $177,354.00
Jun-16 $183,866.00
Jul-16 $195,548.00
Aug-16 $204,734.00
Wow, amazing progress!!
Post by: Woodro85 on August 16, 2016, 01:20:13 PM
NW today is $103,038
On current pace to break $250k by December 2019 but I think the snowball will help me get there much faster.
Post by: Kaspian on August 16, 2016, 01:39:49 PM
...Now if I could just write a program to time-machine this data back to 23 year-old me.
Post by: FIreDrill on August 16, 2016, 03:13:48 PM
I'm sure we will bounce around between 245 to 255 over the next month but I'm going to jump ship to the 250-500k thread. Hope to see everyone there soon :)
End Of
2014-Q1: $55,471
2014-Q2: $78,319
2014-Q3: $84,251
2014-Q4: $106,801
2015-Q1: $126,464
2015-Q2: $145,996
2015-Q3: $151,957
2015-Q4: $203,486
2016-Q1: $217,931
2016-Q2: $233,784
Current: $250,019
Keep on rocking it everyone!
Post by: t5inside on August 16, 2016, 07:11:34 PM
Post by: tarheeldan on August 16, 2016, 08:09:19 PM
Well it's been a fun ride everyone! We officially went over 250k in the last couple days.
Congratulations!!!
Post by: PFHC on August 16, 2016, 08:34:14 PM
Well it's been a fun ride everyone! We officially went over 250k in the last couple days.
I'm sure we will bounce around between 245 to 255 over the next month but I'm going to jump ship to the 250-500k thread. Hope to see everyone there soon :)
End Of
2014-Q1: $55,471
2014-Q2: $78,319
2014-Q3: $84,251
2014-Q4: $106,801
2015-Q1: $126,464
2015-Q2: $145,996
2015-Q3: $151,957
2015-Q4: $203,486
2016-Q1: $217,931
2016-Q2: $233,784
Current: $250,019
Keep on rocking it everyone!
Congrats StudentStacher! I should be right behind you when the next check hits the bank...
Post by: steveo on August 17, 2016, 12:53:36 AM
I'll do it like this:-
1. I only include assets outside of super and my house.
2. I'll update every 3 months.
I have no idea how long this will take but I think about 2 years. So I'll aim to complete this by July 2018.
I just hit $102k today.
Post by: SpareChange on August 17, 2016, 01:07:03 AM
Well it's been a fun ride everyone! We officially went over 250k in the last couple days.
Congrats!! You should be very proud. :)
Post by: SpareChange on August 17, 2016, 01:10:41 AM
Alright, I'm joining in!
NW today is $103,038
On current pace to break $250k by December 2019 but I think the snowball will help me get there much faster.
About time! Jk....good to see you've joined us! :)
Post by: Nick_Miller on August 17, 2016, 07:41:35 AM
Ugh our Net Worth was lower than I thought.
May 2016: $106,529
June 2016: $109,892
July 2016: $115,035
We should be able to increase it by $3K monthly, bare minimum, for the rest of the year, so we should be at $130K by year's end. But we'll shoot for $135K!
August 2016: $125,235.44.
Had a great August with a large bonus that allowed me to max my IRA for the year and open one for my wife. Upping goal to $150K net worth by year's end.
Post by: Nick_Miller on August 17, 2016, 07:44:22 AM
Alright, I'm joining in!
NW today is $103,038
On current pace to break $250k by December 2019 but I think the snowball will help me get there much faster.
Reaching $250K by Dec 2019 (or earlier!) would be an awesome goal for my family as well! It's nice to see others on roughly the same course. Best wishes getting there as soon as possible!
Post by: Tris Prior on August 17, 2016, 10:47:05 AM
401k: 84,132.92
Roth: 42,940.48
Emergency fund: 9,485.13
Total: 136558.53
July 1 Total: 129,534.11
Increase: 7024.42
Post by: PFHC on August 25, 2016, 06:15:24 PM
Aug 2015: $133,000Aug 2016: $248,088
Sept 2015: $147,097
Oct 2015: $153,200
Nov 2015: $155,986
Dec 2015: $154,299
Jan 2016: $156,663
Feb 2016: $158,332
Mar 2016 $182,654
Apr 2016: $186,898
May 2016: $197,500 + $18,000 unvested pension
Jun 2016: $227,300
Jul 2016: $243,161
Damn! So close! Forgot we had to pay state and property tax. :(
Since I effed myself last month by saying I would be out of here this month, so no more guesses. Just hoping it will be soon!
Post by: JLee on August 25, 2016, 07:10:38 PM
Post by: Nick_Miller on August 26, 2016, 10:05:00 AM
Aug 2015: $133,000Aug 2016: $248,088
Sept 2015: $147,097
Oct 2015: $153,200
Nov 2015: $155,986
Dec 2015: $154,299
Jan 2016: $156,663
Feb 2016: $158,332
Mar 2016 $182,654
Apr 2016: $186,898
May 2016: $197,500 + $18,000 unvested pension
Jun 2016: $227,300
Jul 2016: $243,161
Damn! So close! Forgot we had to pay state and property tax. :(
Since I effed myself last month by saying I would be out of here this month, so no more guesses. Just hoping it will be soon!
Man/woman, you're killing it! I wouldn't sweat over one more month. Adding over $100K in NW in a year is freakin' awesome!
Post by: PFHC on August 26, 2016, 05:27:36 PM
Man/woman, you're killing it! I wouldn't sweat over one more month. Adding over $100K in NW in a year is freakin' awesome!Man. And thanks! Been a good year!
Post by: easternblockbabe on August 28, 2016, 03:21:38 PM
July 28 2016: $150,359.87 retirement $204,445.70 total non-equity
Aug 26 2016: $152,086.45 retirement $213,655.96 total non-equity
Post by: Imustacheyouaquestion on August 30, 2016, 05:05:57 PM
Post by: tarheeldan on August 30, 2016, 08:12:55 PM
Hello, I just graduated from the race to $100k thread. Is there a google spreadsheet for this one? I'm at $104k now :)Welcome! And yes 👍 :
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=drive_web
Post by: SpareChange on August 30, 2016, 11:10:08 PM
Hello, I just graduated from the race to $100k thread. Is there a google spreadsheet for this one? I'm at $104k now :)
I second the welcome!!!
Post by: SeattleStache on August 31, 2016, 09:12:40 AM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
January 2016: $101,235
February 2016: $101,464
March 2016: $117,072
April 2016: 120,517
May 2016: $122,419
June 2016: $123,916
July 2016: $131, 349
August 2016: $133, 749
Total NW including real estate and cash savings: $216,561.
Post by: JJsfr on August 31, 2016, 09:22:26 AM
Dec 2014 $101k
Jan 2015 $102k
Feb 2015 $116k
Mar 2015 $117k
Apr 2015 $117k
May 2015 $121k
Jun 2015 $120k
Jul 2015 $126k
Aug 2015 $123k
Sep 2015 $125k
Oct 2015 $139k
Nov 2015 $146k
Dec 2015 $147k
Jan 2016 $141k
Feb 2016 $149k
Mar 2016 $164k
Apr 2016 $172k
May 2016 $178k
Jun 2016 $183k
Jul 2016 $193k
Aug 2016 $197k
Pleased to see an increase in this month despite some extra spending for an upcoming vacation and paying a hefty retainer for legal stuff. Expecting a small windfall soon, so that helps.
Post by: dandypandys on August 31, 2016, 01:24:44 PM
2015
Jan 1st: 98,437.97
Feb 1st: $96,898.03
Mar 1st: $103,345.54
Apr 1st: $103,819.64
May 1st $105,766.12
Jun 1st $106,565.54
Jul 1st: $105,252.33
Aug 1st: $106,267.37
Sept 1st: $99,122.12
Oct 1st: $99,291.91
Nov 1st: $105,204.00
Dec 1st : $107,535.51
2016
Jan 1st:$104,592.84
Feb 1st: $99,467.66
March 1st:$101, 189.11
April 1st: $107,119.81
May 1st: $107,369.22
June 1st: $110,836.03 my contributions went up this month to 10%
July 1st: $112,327.7
Aug 1st: $116,833.52 upped contributions to 10.5%, work adds 10.5% too- can't be believe I didn't at least match them before!
Sept 1st: $118,564.37
Milestone! Just paid off the mortgage this month, and now Mint says zero for loans yayayay. So from now on I am including a lowball house value of what both Zillow and a retail estate agent said and including it in my assets while also adding my savings account, which I didn't before. A true net worth now. I think I will still enter the above version in the spreadsheet.
Also going to start doing end of month not beginning- just cos I guess- not sure what one is better?
Aug 2016- $225, 649
Post by: FIreDrill on August 31, 2016, 02:39:59 PM
Post by: indentured4now on August 31, 2016, 06:47:32 PM
For the "indentured" clan, today was month end Wonderful Wednesday from $1700 consisting of mortgage prepay, normal monthly payment plus 401K... Need just a couple more months of Wednesdays!
Post by: SpareChange on August 31, 2016, 11:57:14 PM
Post by: Pooplips on September 01, 2016, 05:03:08 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
Post by: aneel on September 01, 2016, 06:20:00 AM
Post by: mrteacher on September 01, 2016, 07:29:49 AM
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
I did it! Hit my goal of $120,000 by 9/1.
From 9/1/15 to 9/1/16, my NW increased by over $43,000! I'm extremely excited by that number! (It's no coincidence: I started really following MMM last August...)
Post by: Guava on September 01, 2016, 07:41:24 AM
July 2016: $143,948
$146,604
Post by: turketron on September 01, 2016, 07:59:40 AM
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
Post by: Nick_Miller on September 01, 2016, 08:15:58 AM
And everyone, it's really inspiring seeing NWs go up monthly! I've been calculating ours at mid-month because of how some of our bills hit, so although I wish I could join in today, at least I'll provide some thread activity in the slower part of the month.
Post by: JLee on September 01, 2016, 09:15:20 AM
Code: [Select]
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
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
Nearly $2k in unexpected expenses this month - termites at the rental property and some medical bills, as well as some significant vehicle expenses. I'm pretty happy that I didn't lose ground!
Post by: onlykelsey on September 01, 2016, 09:18:06 AM
Assets
401(K):
Roth IRA:
Taxable Brokerage:
Savings:
Total =
Liabilities
401(K) loan:
HELOC:
Total =
Net worth =
Post by: ohyonghao on September 01, 2016, 11:47:32 AM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016: $172,089.61
April 2016: $177,924.11
May 2016: $182,266.37
June 2016: $195,382.39
July 2016: $207,370.73
August 2016: $210,598.32
This is our lowest gain in a long time, stocks across the board went down, and the house has finally hit equilibrium with the market, so I'm not expecting any more leaps and bounds from it. That it's appreciated by 100k in 3 years is pretty good in my book. Tenants are leaving in September and we're still trying to line up more for next month. This will be the last fully covered month of unemployment. A half month in October, then we're going off savings. I'm really grateful we had a great few years of becoming Mustachian, it's made these past few months much easier.
Post by: dandypandys on September 01, 2016, 01:57:01 PM
Post by: tarheeldan on September 01, 2016, 05:36:08 PM
Some of us are tracking our progress here:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=sharing
Post by: indentured4now on September 01, 2016, 06:25:29 PM
4/1: $100,869
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
I did it! Hit my goal of $120,000 by 9/1.
From 9/1/15 to 9/1/16, my NW increased by over $43,000! I'm extremely excited by that number! (It's no coincidence: I started really following MMM last August...)
43% net worth in a year is bad ass living. Enjoy all those little green men in your net worth working for you for a change!
Post by: babystache89 on September 05, 2016, 06:51:15 AM
Post by: Mazzinator on September 05, 2016, 08:35:05 AM
9/5/16 = $127,5948/3/16 - $116,321So happy to finally join you all. It took us 23 months to graduate from the $100k thread...hope to get to $250k in 18-24 months!!
Does not include real estate.
5/3/16 - $100,825
6/3/16 - $104,923
7/6/16 - $106,848
Post by: JamesL on September 05, 2016, 02:49:38 PM
5/1/2016: $99,992.43
6/1/2016: $101,477.32
7/1/2016: $102,541.35
8/1/2016: $109,990.63
9/1/2016: $117,157.97
I moved onto a sailboat the last month, and I'm looking for a new job in my field (just graduated), so hopefully things will progress even faster soon.
Post by: Slurgi on September 06, 2016, 07:17:03 AM
Code: [Select]
20160801: $101,832.52
20160901: $107,135.16
Post by: PFHC on September 06, 2016, 07:27:29 AM
I'm in!Sailboat! So rad! Super jealous.
5/1/2016: $99,992.43
6/1/2016: $101,477.32
7/1/2016: $102,541.35
8/1/2016: $109,990.63
9/1/2016: $117,157.97
I moved onto a sailboat the last month, and I'm looking for a new job in my field (just graduated), so hopefully things will progress even faster soon.
Post by: Justin1911 on September 06, 2016, 05:14:19 PM
I'm in! New Mustachian here and its time for me to step up to the plate. On 21 July I added up my net worth between cash, Roth TSP, Roth IRA, taxable account and I'm sitting on $96,990. I'm ready to push hard towards 250k.
I'm 29 years old. bring home 63k yearly. Trying to save 50% of each paycheck since discovering MMM two months ago.
Update for this past year: My wife had twin girls this year and one had a major surgery at age 4 months. Even with all that we managed to increase from $96,990 to $137,601. I also got selected for promotion this month so I expect a salary increase of ~15k annually, starting sometime around February. What an amazing year this was. We're so blessed!
Post by: the_gastropod on September 06, 2016, 05:46:22 PM
Wohoo! Just hit $100,300 today. Hoping I can hit $250 by the end of 2017.
| March 2016 | $100,300 |
| September 2016 | $137,838 |
I'm going to have to change something if I'm going to hit that goal by the end of next year haha.
Post by: Nick_Miller on September 07, 2016, 08:43:10 AM
Wohoo! Just hit $100,300 today. Hoping I can hit $250 by the end of 2017.
March 2016 $100,300 September 2016 $137,838
I'm going to have to change something if I'm going to hit that goal by the end of next year haha.
Better to set high goals and fall a bit short than to set lower goals and hit 'em! And you're still on pace to hit, what $230K or so?
Post by: jda85 on September 09, 2016, 04:37:49 AM
Post by: codemonkey on September 13, 2016, 08:51:32 AM
Investment Accounts only.
January 2015: $77,300
July 2015: $115,800
January 2016: $124,100
February 2016: $127,500
March 2016: $141,700
April 2016: $152,300 - Finally crossed the $150k line! The rest of this year should be rather slow going as we front loaded our investments as much as possible this year.
May 2016: $157,000
June 2016: $160,200 - We are only contributing about 400 a week since we front loaded our investments this year. The rest is market gains.
July 2016: $163,600 - We are up $48,000 from last July, which is about $2k behind where I was hoping we would be. Not a bad year overall though
August 2016: $170,800 - It was a good month in the market
September 2016: $174,700
Post by: tyort1 on September 14, 2016, 08:51:23 AM
Milestone! Just paid off the mortgage this month, and now Mint says zero for loans yayayay. So from now on I am including a lowball house value of what both Zillow and a retail estate agent said and including it in my assets while also adding my savings account, which I didn't before. A true net worth now. I think I will still enter the above version in the spreadsheet.
Also going to start doing end of month not beginning- just cos I guess- not sure what one is better?
Aug 2016- $225, 649
Congrats! How much cashflow does that free up for you every month? And are you planning to plow that $$ back into savings? If so your NW should continue to leap upwards :)
Post by: tyort1 on September 14, 2016, 09:12:29 AM
(http://i2.photobucket.com/albums/y10/tyort1/Wristshots/6fd5800d-0585-4e53-a4ab-8970e7203792.png)
Post by: Nick_Miller on September 15, 2016, 08:13:43 PM
June 2016: $109,892
July 2016: $115,035
August 2016: $125,235.44
September 2016: $126,076.92
Ugh, market losses outset much of our debt reduction progress. Plus no IRA contributions were made this month. We should be able to toss in $1K into my wife's IRA in October. Keep moving forward.
Post by: Rhoon on September 25, 2016, 07:48:01 PM
I had been hanging out in the Race to $100K before I added my home equity, which got a huge bump in value as a few homes sold around me for really good prices. Here's to the race to $250K!
Post by: Enough on September 25, 2016, 08:10:35 PM
Slow and Steady
Jan-15 $103,510
Feb-15 $104,580
Mar-15 $113,223
Apr-15 $118,072
May-15 $122,214
Jun-15 $124,279
Jul-15 $126,969
Guessing that I'll hit it March 2018.
Aug-15 $121,517
Sep-15 $119,105
Oct-15 $130,210
Nov-15 $139,276
Dec-15 $142,945
Jan-16 $142,996
Feb-16 $145,610
Mar-16 $161,315
Apr-16 $161,141
May-16 $181,902
New estimate is Dec 2017 (rather than March 2018)
Jun-16 $185,289
Jul-16 $182,691
Aug-16 $196,373
Sep-16 $207,180
Recent gains are mostly real estate investment that wont be income producing for 3-6 months, so I don't expect this rate of growth to continue. Estimate on 250k timeline is still ~late 2017.
Post by: PFHC on September 28, 2016, 07:03:02 PM
Aug 2015: $133,000Sep 2016: $240,002
Sept 2015: $147,097
Oct 2015: $153,200
Nov 2015: $155,986
Dec 2015: $154,299
Jan 2016: $156,663
Feb 2016: $158,332
Mar 2016 $182,654
Apr 2016: $186,898
May 2016: $197,500 + $18,000 unvested pension
Jun 2016: $227,300
Jul 2016: $243,161
Aug 2016: $248,088
Moving + house repairs to list + lower appraisal than expected = not gonna hit $250,000 this year.
Damn.
Post by: Pooplips on September 30, 2016, 08:11:10 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
Post by: fitz on September 30, 2016, 01:43:26 PM
02/2016 $ 73,787
03/2016 $ 81,787
04/2016 $ 91,028
05/2016 $ 98,283
06/2016 $105,186
07/2016 $109,641
08/2016 $123,394
09/2016 $122,481
There was a bit of a stall between August and September due to an international trip I had been planning for.
Post by: babystache89 on September 30, 2016, 03:25:30 PM
10/1/16: $220,000
Post by: steveo on September 30, 2016, 05:42:17 PM
2016-08-17 102
2016-10-01 110
This looks to me good but it's actually reasonably poor because this includes bonus payments for the year. Still it feels great beacuse we are getting closer and closer to FIRE.
Post by: indentured4now on September 30, 2016, 07:27:55 PM
September was otherwise full of surprise house expenses though... so keeping fingers crossed October cooperates.
Post by: SpareChange on September 30, 2016, 11:42:21 PM
Ugh. Transmission went out on the highway. Ended up buying a new used car. Expenses this month were double the usual. Next month will see the big bill come due. This will be a good stress test for the Bank of SpareChange.
Post by: JJsfr on October 01, 2016, 08:29:53 AM
Dec 2014 $101k
Jan 2015 $102k
Feb 2015 $116k
Mar 2015 $117k
Apr 2015 $117k
May 2015 $121k
Jun 2015 $120k
Jul 2015 $126k
Aug 2015 $123k
Sep 2015 $125k
Oct 2015 $139k
Nov 2015 $146k
Dec 2015 $147k
Jan 2016 $141k
Feb 2016 $149k
Mar 2016 $164k
Apr 2016 $172k
May 2016 $178k
Jun 2016 $183k
Jul 2016 $193k
Aug 2016 $197k
Sep 2016 $201k
Woohoo. Broke the $200k mark. I didn't start tracking soon enough to see how long it took us to go from 0-100k vs 1-200k, but I bet it was easier and faster.
Post by: aneel on October 01, 2016, 08:33:25 AM
Should cross 125k this month!
Post by: ohyonghao on October 01, 2016, 11:53:09 AM
This months numbers:
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016: $172,089.61
April 2016: $177,924.11
May 2016: $182,266.37
June 2016: $195,382.39
July 2016: $207,370.73
August 2016: $210,598.32
September 2016: $211,858.91
Unemployment insurance stops this month after two weeks. We're selling the house and moving back to Taiwan. Until we start making money there and sell the house here we'll be dropping about $2k a month in net worth. When the house sells we'll of course drop something around $18k, but then the money from the sale will be invested and start working for us. The move should be a wash after selling the car, which isn't included in net worth, and we have enough airline miles to pay for the flight. This will make our total invested amount be around $180k, we won't be seeing the $5k-10k leaps we've been having, but it will be steady. Cost of living for the two of us will be around $900/mo. Our original number for our first milestone is $300k and we'll be more than halfway there. Pretty excited about the move, it's a stepping stone towards retirement. I'll only have to work maybe half time to cover expenses and not touch investments, and over time it'll grow to the point where even working half time won't be necessary.
Post by: JLee on October 01, 2016, 08:08:11 PM
Code: [Select]
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
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
Post by: SpareChange on October 01, 2016, 08:25:20 PM
Unemployment insurance stops this month after two weeks. We're selling the house and moving back to Taiwan. Until we start making money there and sell the house here we'll be dropping about $2k a month in net worth. When the house sells we'll of course drop something around $18k, but then the money from the sale will be invested and start working for us. The move should be a wash after selling the car, which isn't included in net worth, and we have enough airline miles to pay for the flight. This will make our total invested amount be around $180k, we won't be seeing the $5k-10k leaps we've been having, but it will be steady. Cost of living for the two of us will be around $900/mo. Our original number for our first milestone is $300k and we'll be more than halfway there. Pretty excited about the move, it's a stepping stone towards retirement. I'll only have to work maybe half time to cover expenses and not touch investments, and over time it'll grow to the point where even working half time won't be necessary.
Exciting next step! Amazing progress while being unemployed.
Post by: turketron on October 02, 2016, 11:03:01 AM
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
Post by: retireatbirth on October 02, 2016, 07:07:32 PM
June 2015: $120,300
July 2015: $120,800
August 2015: $125,300
December 1, 2015: $137,000
October 1, 2016: $200,000
Post by: onlykelsey on October 03, 2016, 08:22:30 AM
Assets
401(K):
Roth IRA:
Taxable Brokerage:
Savings:
Total =
Liabilities
401(K) loan:
HELOC:
Total =
Net worth =
Post by: Tris Prior on October 03, 2016, 09:39:22 AM
401k: 86,239.82
Roth: 45,449.67
Emergency fund: 9,496.94
Total: 141,186.43
Aug. 1 Total: 136,558.53
Increase: 4,627.90
Post by: Apples on October 03, 2016, 10:20:01 AM
Nov. 1 2015: $101,701.11 --- gain of $8,228.48
Dec 1 2015: $106,488.64 --- gain of $4,787.53
Jan. 1 2016: $107,709.77 --- gain of $1,221.14
Feb. 1 2016: $106,318.40 --- loss of $1,402.91
Mar. 1 2016: $108,550.55 --- gain of $2,232.15
Apr. 1 2016: $115,724.63 --- gain of $7,174.08 woohoo market swing up!
May 1 2016: $119,946.35 --- gain of $4,221.72
June 1 2016: $125,160.93 --- gain of $5,214.58
July 1 2016: $127,094.93 --- gain of $1,934.00
August 1 2016: $133,039.69 --- gain of $5,944.76 Yay stock market.
September 1 2016: $136,465.21 --- gain of $3,425.52
October 1 2016: $140,391.81 --- gain of $3,926.60
I've been bad about updating here; I think it's because it is such a long time to the 250 mark at this rate. We've mostly had pretty typical months of about $2,000-$3,000 increases recently. My next update will be a big one though - I have missed two paychecks in my accounting this year (long story...) so they will be added in for the next update. That will make it artificially large.
Post by: ender on October 03, 2016, 05:53:11 PM
I've been bad about updating here; I think it's because it is such a long time to the 250 mark at this rate.
For what it's worth, once you get to the 250k mark it's slow going too :P
I'm in the same position in that thread, except not updating there. "only" 2k-3k increases a month... just keep plugging away!
Post by: Uncle Scrooge on October 04, 2016, 08:04:48 AM
July 1,2015- $112,000
Jan 1,2016- $131,900
July 1,2016- $156,400
Aug 1,2016- $159,000
Sept 1, 2016- $162,000
Oct 1, 2016- $164,100
Post by: dandypandys on October 04, 2016, 11:08:52 AM
Post by: Apples on October 04, 2016, 12:42:39 PM
I've been bad about updating here; I think it's because it is such a long time to the 250 mark at this rate.
For what it's worth, once you get to the 250k mark it's slow going too :P
I'm in the same position in that thread, except not updating there. "only" 2k-3k increases a month... just keep plugging away!
Ha, thanks Ender! Yeah a lot of our savings is going into a bank account to buy a farm-not retirement accounts. Only 10% of our income is going towards retirement (shh don't tell people!). The rest is for buying the farm, which at that point idk if I'll track our net worth publicly anymore. So much of the net worth change we be dependent on the crop and farm expenses instead of our salaries. Then it won't be incremental steps-it'll be one big or small annual step. Our salaries will be stashed away in the bank in case of a bad crop year where we need that cash savings. In the first few years of a loan without any other sizeable net worth, banks are funny about not wanting to open lines of credit lol.
Post by: Guava on October 05, 2016, 11:23:15 AM
August $146,604
September $146,347. That's good seeing as I paid for my wedding and tuition at the end of the month. Those two together were more than I make in a month.
Post by: SeattleStache on October 05, 2016, 07:00:14 PM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
January 2016: $101,235
February 2016: $101,464
March 2016: $117,072
April 2016: 120,517
May 2016: $122,419
June 2016: $123,916
July 2016: $131,349
August 2016: $133,749
September 2016: $134,937
Total NW including real estate and cash savings: $217,255.
Post by: Blahhhh456 on October 05, 2016, 08:46:45 PM
Only including IRAs, 401(k) and HSAs.
Jan 1, 2016 - $81,396
Oct 1, 2016 - $122,943
It took me about 7.5 years to reach $100K, which was achieved around May 2016. I am setting a goal of $250K by Jan 2019.
Post by: indentured4now on October 06, 2016, 06:36:01 AM
Post by: Slurgi on October 06, 2016, 02:22:00 PM
Onward and upward!Code: [Select]20160801: $101,832.52
20160901: $107,135.16
Still making solid forward progress!
Code: [Select]
20161001: $112,708.63
Post by: Blahhhh456 on October 06, 2016, 07:07:40 PM
Post by: NowClear on October 07, 2016, 11:54:09 AM
March 2016: $102,411
April 2016: $109,780
October 2016: 127,504.34
on the bright side, skipping months makes for bigger updates.
Post by: RWD on October 08, 2016, 08:38:15 AM
Post by: CdnChris on October 10, 2016, 04:11:36 PM
We have been tracking savings and expenses for the last 2 years after not having done so for quite some time. No firm goal to this point except that we are saving for FIRE, still not entirely sure what we need to be at that point. Regardless, posting here should help with motivation, some months it has been a challenge separating needs from wants.
So, first entry for September: $207,022.02
Would love to make it to 250K by the end of this year but suspect it will not happen. The ambitious goal at the beginning of this year was 200k by the end of the year, so already happy with progress.
I've attached a fairly accurate graph for the last 2+ years.
Chris
Post by: McStache on October 10, 2016, 06:33:12 PM
This is a great thread! Just finished reading through it, and wish I had found it a while ago.
We have been tracking savings and expenses for the last 2 years after not having done so for quite some time. No firm goal to this point except that we are saving for FIRE, still not entirely sure what we need to be at that point. Regardless, posting here should help with motivation, some months it has been a challenge separating needs from wants.
So, first entry for September: $207,022.02
Would love to make it to 250K by the end of this year but suspect it will not happen. The ambitious goal at the beginning of this year was 200k by the end of the year, so already happy with progress.
I've attached a fairly accurate graph for the last 2+ years.
Chris
Chris, what happened in November of 2015 that you were suddenly able to start saving at an amazing clip?
Post by: Mazzinator on October 10, 2016, 06:48:48 PM
10/4/16 = $134,3849/5/16 = $127,5948/3/16 - $116,321So happy to finally join you all. It took us 23 months to graduate from the $100k thread...hope to get to $250k in 18-24 months!!
Does not include real estate.
5/3/16 - $100,825
6/3/16 - $104,923
7/6/16 - $106,848
Post by: Teacherstache on October 11, 2016, 07:38:37 PM
January 2015 = $138,250
August 2015 = $162,400
November 2015 = $173,500
December 2015 = $178,800
January 2016 = $191,200
February 2016 = $196,400
March 2016 = $200,800
May 2016 = $212,100
October 2016 = $225,200
Post by: CdnChris on October 11, 2016, 07:50:32 PM
Chris, what happened in November of 2015 that you were suddenly able to start saving at an amazing clip?
We've been working part time and home schooling our kids for about six years. Earlier this year we took on a full time contract position and kept our monthly living expenses low. We've managed to put away well above 50% of our income every month since about February, although it has been a bit of a struggle to keep expenses down while being this busy.
The contract will wind down in the next 2-4 months so I hope to break 250K by then.
Post by: dandypandys on October 13, 2016, 07:59:44 AM
Chris, what happened in November of 2015 that you were suddenly able to start saving at an amazing clip?
We've been working part time and home schooling our kids for about six years. Earlier this year we took on a full time contract position and kept our monthly living expenses low. We've managed to put away well above 50% of our income every month since about February, although it has been a bit of a struggle to keep expenses down while being this busy.
The contract will wind down in the next 2-4 months so I hope to break 250K by then.
Rad! Very cool. In fact inspiring, I want to put away more now.
Post by: YoungGranny on October 13, 2016, 08:24:26 AM
Sept 1: $81,575
Oct 1: $100,687
Nov1: $105,779
Dec 1: $108,880 (+$3,300)
Jan 1: $111,133 (+$2,253)
Feb 1: $125,298 (+$14,165)
March 1:$143,249 (+17,951)
An extra paycheck in there that was all saved and and up-tick in the market. I'm actually really surprised with that number and really proud of myself!
Haven't been posting much in the past 7 months but turns out a great way to grow your net worth is to get married to an equally smart mustachian!
We've worked on merging all of our accounts so a few things might still be somewhat outstanding, right now we're looking at about $310,000 so I'll see you all on the next thread! Good luck!
Post by: Radagast on October 13, 2016, 02:48:07 PM
End of Q3 2016: $112,200
It looks like I have two or three years of racing still!
Post by: Nick_Miller on October 16, 2016, 09:10:06 AM
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
In November, we're having some work done on our house (new siding, new gutters) but we've already paid for some of it, and we're cash flowing the rest in November. I'll assign 50% of the cost to an increase in home value so November might be a wash on next month's balance sheet.
No offense, but I'd love to leave this group by Dec 2018.
Post by: tarheeldan on October 17, 2016, 10:26:12 AM
October 1, 2016: $200,000
Woohoo. Broke the $200k mark. I didn't start tracking soon enough to see how long it took us to go from 0-100k vs 1-200k, but I bet it was easier and faster.
Congratulations on breaking $200k!! :-)
Woohoo! Finally joining this thread!!
OK I am in the race, I will only be doing quarterly updates though.
End of Q3 2016: $112,200
Welcome!!
We've worked on merging all of our accounts so a few things might still be somewhat outstanding, right now we're looking at about $310,000 so I'll see you all on the next thread! Good luck!
Congratulations and congratulations!
I had a pretty good month, up 3.6% ($4,428.83) in September to $126,878.55. This month might see some slower progress though, I'm upgrading some of my wardrobe (better fitting clothes) and finally broke down and bought some boots after living in New Hampshire for 8 years. Oh, and I get to travel to Thailand and Japan :-)
Some of us are tracking our progress here:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=drive_web
Post by: Imustacheyouaquestion on October 21, 2016, 08:57:53 AM
Sept 2016 $106,084.00
Oct 2016 $107,559.00
Slow progress this month. Next month will be a certain decrease as I am moving to a new state, putting down a lease security deposit, buying a car, and taking 2 weeks off between jobs to pack/move/unpack. However, the new job is in a more moderate cost of living area and my salary remains virtually the same, so I am hoping the move really helps boost my savings rate. About $30k of my net worth is currently earmarked for a house down payment and I'll be looking to buy within the next several months.
Post by: easternblockbabe on October 28, 2016, 08:52:49 AM
July 28 2016: $150,359.87 retirement $204,445.70 total non-equity
Aug 26 2016: $152,086.45 retirement $213,655.96 total non-equity
Sept 30 2016: $156,721.28 retirement $214,248.98 total non-equity
Oct 28 2016: $154,857.87 retirement $210,419.58 total non-equity Major derail to progress: husband had a car crash, lost self-employment income, we had to buy a new car + market down.
Post by: NESailor on October 28, 2016, 01:54:36 PM
Dates Net Worth
October 2015 $133,329.26
November 2015 $150,277.88
December 2015 $153,517.74
January 2016 $151,934.53
February 2016 $154,837.00
March 2016 $178,776.19
April 2016 $185,866.51
May 2016 $187,835.23
June 2016 $191,564.18
July 2016 $198,382.07
August 2016 $202,314.81
September 2016 $203,522.13
October 2016 $198,168.14
I include house equity at a conservative valuation but not the improvements we made to the house over time. Case in point - I spent 10K on siding this month - included the expense but no net increase in equity (I'm sure the increase is less than face value, actually).
Investable assets are approximately 110K of this and increasing at a rate of approximately 50K/year starting a few months ago.
Post by: babystache89 on October 29, 2016, 06:42:39 AM
9/1/16: $217,00011/1/16: $232,000
10/1/16: $220,000
This is going way faster than 0-$100. :)
Post by: JJsfr on October 29, 2016, 09:38:22 PM
9/1/16: $217,00011/1/16: $232,000
10/1/16: $220,000
This is going way faster than 0-$100. :)
Are you a time traveler :O it's not even November!
Post by: indentured4now on October 29, 2016, 09:46:04 PM
Sept 30 update since mid-August... from $103K to $108K.
End of Oct update: 107K (typical market fluctuation) despite adding $500 in cash. November has some nice quarterly dividends coming due so fingers crossed the market behaves itself towards year end...
Post by: ohyonghao on October 30, 2016, 03:25:30 AM
He did say its going way faster, apparently he meant time itself, or perhaps that's his secret, looking at stock prices days in advance.Are you a time traveler :O it's not even November!9/1/16: $217,00011/1/16: $232,000
10/1/16: $220,000
This is going way faster than 0-$100. :)
Post by: babystache89 on October 30, 2016, 07:44:18 AM
He did say its going way faster, apparently he meant time itself, or perhaps that's his secret, looking at stock prices days in advance.Are you a time traveler :O it's not even November!9/1/16: $217,00011/1/16: $232,000
10/1/16: $220,000
This is going way faster than 0-$100. :)
Lol I usually post the weekend before the end of the month since I don't go on this site during the work week. And the vast majority of my investments are in rental properties, so the stock market shouldn't affect my numbers too much. Also, *she. :)
Post by: JJsfr on October 31, 2016, 08:23:27 PM
Dec 2014 $101k
Jan 2015 $102k
Feb 2015 $116k
Mar 2015 $117k
Apr 2015 $117k
May 2015 $121k
Jun 2015 $120k
Jul 2015 $126k
Aug 2015 $123k
Sep 2015 $125k
Oct 2015 $139k
Nov 2015 $146k
Dec 2015 $147k
Jan 2016 $141k
Feb 2016 $149k
Mar 2016 $164k
Apr 2016 $172k
May 2016 $178k
Jun 2016 $183k
Jul 2016 $193k
Aug 2016 $197k
Sep 2016 $201k
Oct 2016 $199k
Despite putting ~$3500 in the market/toward loans, more legal fees and a down market has resulted in an overall decrease of ~$2.5k this month. Oh well.
Post by: SpareChange on October 31, 2016, 11:19:27 PM
First down month. Most of what I owed on my new used car came due this month, along with some other expenses. At least it's paid for now. Back on track next month!
Post by: Pooplips on November 01, 2016, 05:38:45 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
Post by: MichaelB on November 01, 2016, 06:58:20 AM
Filled in my spreadsheets this morning to close out July, and discovered that I broke $100k this month!!
I discovered MMM a couple of months ago--April or May. My wife and were doing pretty good for the average American--savings rate was probably about 15% or so. But we kept zero track of our expenses. We just had some auto draft stuff set up into a Roth and our employer plans, and our checking account stayed in roughly the same range from month to month. But we started trimming some fat from our expenses (still plenty to go--I don't have a bike, for example, and we both commute by car every day) and really focused on pumping all our extra funds into investments. Our savings rate for the year, according to my spreadsheets, is at 30%, but it's probably quite a bit higher than that over the last few months, since I only found MMM in April.
So I'm excited to hit this milestone!
Up to 109k thru October 31. It blows my mind that it is possible to improve net worth by $9k in 3 months.
Probably going to fall a bit this month, as there is an outstanding check for $6k. Bought a new car. The timing belt in my old car broke, and that did all the engine damage that can do. (Did you know that 2010 Hyundai Accents have timing belts? Well I didn't. Now I do.) It had 155k miles, and the repair would have been more than the car was worth. Sucks--that thing was a damn champ. I didn't put a dollar for repairs into that car, just maintenance. I was saving for a potential car purchase anyways, so I figured now was time--155k miles on a car that needs a repair more expensive than the car itself. I actually got another 2010 Accent, but this one only had $38k miles. $5900--and had enough in cash to just buy the thing outright. Emergency fund FTW!
Post by: Guava on November 01, 2016, 07:24:36 AM
September $146,347.October: $151,742.
Post by: FrugalLakes on November 01, 2016, 07:39:38 AM
Post by: SeattleStache on November 01, 2016, 07:56:33 AM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
January 2016: $101,235
February 2016: $101,464
March 2016: $117,072
April 2016: 120,517
May 2016: $122,419
June 2016: $123,916
July 2016: $131,349
August 2016: $133,749
September 2016: $134,937
October 2016: $134,007 (disheartening month!)
Total NW including real estate and cash savings: $215,358.
Post by: JLee on November 01, 2016, 09:23:40 AM
Code: [Select]
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
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
Not much progress, but at least it's still going up.
Post by: turketron on November 01, 2016, 10:10:13 AM
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
Market downturns. However, maxed out my 401k for the year!
Post by: ohyonghao on November 01, 2016, 01:38:27 PM
This months numbers:
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016: $172,089.61
April 2016: $177,924.11
May 2016: $182,266.37
June 2016: $195,382.39
July 2016: $207,370.73
August 2016: $210,598.32
September 2016: $211,858.91
October 2016: $217,642.90
Sold a lot of stuff last month too, and will be selling the car this month, which will help to soften the blow. Hopefully end up selling the house before years end, even though that means we'll end the year below $200k, to think we started at $149k and only worked for 3 months with a handful of side jobs, I'd say we still did fairly well.
Post by: Woodro85 on November 01, 2016, 05:41:23 PM
August $104,622.34 +$6,155.08
October $109,535.81 +$4,913.47
November $113,963.46 +$4,427.65
Humming along in this boring period of accumulation. Got a big vacation to central America coming up in November but shouldn't have any hit to the NW since I have a separate 'travel account' not factored into my NetWorth. Feels like a free vacay! Congrats to everyone on their continued progress... and good luck with however the market reacts to a Trump Presidency (not that I want that...)
Post by: dandypandys on November 02, 2016, 09:19:33 AM
Jan 1st: 98,437.97
Feb 1st: $96,898.03
Mar 1st: $103,345.54
Apr 1st: $103,819.64
May 1st $105,766.12
Jun 1st $106,565.54
Jul 1st: $105,252.33
Aug 1st: $106,267.37
Sept 1st: $99,122.12
Oct 1st: $99,291.91
Nov 1st: $105,204.00
Dec 1st : $107,535.51
2016
Jan 1st:$104,592.84
Feb 1st: $99,467.66
March 1st:$101, 189.11
April 1st: $107,119.81
May 1st: $107,369.22
June 1st: $110,836.03 my contributions went up this month to 10%
July 1st: $112,327.7
Aug 1st: $116,833.52 upped contributions to 10.5%
Sept 1st: $118,564.37
Oct 1st $229,717.00 Paid off the condo this month :) and included as an asset going forth.
Nov 1st $232,973 upped contributions again this month 21.5%- next month will be 30% :)
Post by: Mazzinator on November 02, 2016, 03:25:27 PM
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
Post by: tarheeldan on November 02, 2016, 04:46:55 PM
I'm. Finally hit the mark to join this race. As of 11/1/16 my net worth is $101,051. Hope to hit 250k in 2.5 years.Welcome!
Post by: FrugalLakes on November 03, 2016, 06:35:33 AM
I'm. Finally hit the mark to join this race. As of 11/1/16 my net worth is $101,051. Hope to hit 250k in 2.5 years.Welcome!
Thanks!
Post by: Apples on November 06, 2016, 08:25:21 AM
Nov. 1 2015: $101,701.11 --- gain of $8,228.48
Dec 1 2015: $106,488.64 --- gain of $4,787.53
Jan. 1 2016: $107,709.77 --- gain of $1,221.14
Feb. 1 2016: $106,318.40 --- loss of $1,402.91
Mar. 1 2016: $108,550.55 --- gain of $2,232.15
Apr. 1 2016: $115,724.63 --- gain of $7,174.08 woohoo market swing up!
May 1 2016: $119,946.35 --- gain of $4,221.72
June 1 2016: $125,160.93 --- gain of $5,214.58
July 1 2016: $127,094.93 --- gain of $1,934.00
August 1 2016: $133,039.69 --- gain of $5,944.76
September 1 2016: $136,465.21 --- gain of $3,425.52
October 1 2016: $140,391.81 --- gain of $3,926.60
November 1 2016: $145,497.13 --- gain of $5,105.32
Extra large jump this month due to two extra paychecks. Stock market didn't help us though. The next two months will probably be uneventful and back to the usual gains of $3,000 or so. But as of this month we beat last year's total net worth increase, woohoo!
Post by: gj83 on November 07, 2016, 12:09:05 PM
10/1/2016: $208,626.09
11/1/2016: $210,098.56 +$1,472.47
Excluding home equity
10/1/2016: $98,680.19
11/1/2016: $99,290.31 +$610.12
So I'm almost out of this group when I include the home equity, but I'm just entering it without it.
Post by: Nick_Miller on November 15, 2016, 08:37:09 PM
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
Had a great November with a bonus!
Post by: jda85 on November 16, 2016, 04:09:37 AM
9/9/16: $101,885
10/1/16: $103,713.66
11/1/16: $108,566.60
Post by: marcela on November 17, 2016, 11:01:52 AM
Background on net worth:
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
11/17/2016: $103,940
Post by: SpareChange on November 17, 2016, 11:27:57 AM
Hello! I just graduated from the 100k board on Oct- 31st I thought I would mosey over here. I'm married, 28 years old and my husband is currently finishing up school. Total household income is 56k. We rent and have no outstanding debt. Worth of our single car is not included in the calculations.
Background on net worth:
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
11/17/2016: $103,940
Welcome!!
Post by: dandypandys on November 17, 2016, 12:46:29 PM
Post by: marcela on November 17, 2016, 01:47:59 PM
Post by: motiv8ed on November 19, 2016, 09:52:04 PM
Nov 2016: $152k
Post by: Imustacheyouaquestion on November 22, 2016, 12:01:22 PM
Sept 2016 $106,084.00
Oct 2016 $107,559.00
Nov 2016 $103,227.00
Slight decrease this month as I moved to a new state (it cost about $1000 to ship my stuff on a truck with movers on both ends), bought a car, and took two weeks without a paycheck between jobs. HR messed up my TSP contribution so I missed out on a 5% match for one pay period - I've increased my contribution to hit $18k for the year. Pretty minor in the scheme of things but I'm still annoyed about it.
Post by: Slinky on November 23, 2016, 05:21:57 PM
Post by: indentured4now on November 25, 2016, 08:09:18 PM
End of Nov update: 110K thanks to quarterly divys and $300 in cash saved. Slow and steady...Sept 30 update since mid-August... from $103K to $108K.End of Oct update: 107K (typical market fluctuation) despite adding $500 in cash. November has some nice quarterly dividends coming due so fingers crossed the market behaves itself towards year end...
Post by: SeattleStache on November 26, 2016, 06:46:54 AM
January 2015: $98,619
February 2015: $102,414
March 2015: $104,001
April 2015: $106,458
May 2015: $106,866
June 2015: $107,133
July 2015: $107,090
August 2015: $102,260
September 2015: $103,731
October 2015: $106,389
November 2015: $107,314
December 2015: $105,826
January 2016: $101,235
February 2016: $101,464
March 2016: $117,072
April 2016: 120,517
May 2016: $122,419
June 2016: $123,916
July 2016: $131,349
August 2016: $133,749
September 2016: $134,937
October 2016: $134,007
November 2016: $137,270
Total NW including real estate and cash savings: $261,273 (jumped up a good amount this month due to an inheritance which I used to pay off a loan to my dad for my condo down payment, bumped up cash/emergency savings, and will throw the rest into my 2017 Roth in January).
Post by: JLee on November 30, 2016, 03:24:42 PM
Code: [Select]
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
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 is a 3-paycheck month, so I may have a satisfying end to the year!
Post by: ender on November 30, 2016, 03:46:21 PM
Post by: JJsfr on November 30, 2016, 09:59:48 PM
Dec 2014 $101k
Jan 2015 $102k
Feb 2015 $116k
Mar 2015 $117k
Apr 2015 $117k
May 2015 $121k
Jun 2015 $120k
Jul 2015 $126k
Aug 2015 $123k
Sep 2015 $125k
Oct 2015 $139k
Nov 2015 $146k
Dec 2015 $147k
Jan 2016 $141k
Feb 2016 $149k
Mar 2016 $164k
Apr 2016 $172k
May 2016 $178k
Jun 2016 $183k
Jul 2016 $193k
Aug 2016 $197k
Sep 2016 $201k
Oct 2016 $199k
Nov 2016 $218k
Woah. Even though half of that increase is from a small windfall, it's still shocking to see quite the jump.
Post by: SpareChange on November 30, 2016, 11:24:43 PM
Post by: MichaelB on December 01, 2016, 04:54:00 AM
Up to 109k thru October 31. It blows my mind that it is possible to improve net worth by $9k in 3 months.
Probably going to fall a bit this month, as there is an outstanding check for $6k. Bought a new car. The timing belt in my old car broke, and that did all the engine damage that can do. (Did you know that 2010 Hyundai Accents have timing belts? Well I didn't. Now I do.) It had 155k miles, and the repair would have been more than the car was worth. Sucks--that thing was a damn champ. I didn't put a dollar for repairs into that car, just maintenance. I was saving for a potential car purchase anyways, so I figured now was time--155k miles on a car that needs a repair more expensive than the car itself. I actually got another 2010 Accent, but this one only had $38k miles. $5900--and had enough in cash to just buy the thing outright. Emergency fund FTW!
Small drop, but not nearly as bad as it could have been. $107,889
Post by: Pooplips on December 01, 2016, 05:11:38 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
Post by: gj83 on December 01, 2016, 07:40:12 AM
10/1/2016: $208,626.09
11/1/2016: $210,098.56
12/1/2016: $217,736.25
Excluding home equity
10/1/2016: $98,680.19
11/1/2016: $99,290.31
12/1/2016: $106,063.24
Post by: mrteacher on December 01, 2016, 07:47:42 AM
4/1: $100,869
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
Three month update:
10/1: $124,626
11/1: $126,949
12/1: $132,846
Closing in on $150,000!
This year I will have, for the first time, maxed out my 401(k) contribution!! I am ecstatic about that. Next year I should be able to do the same, too.
Post by: JLee on December 01, 2016, 08:26:28 AM
4/1: $100,869
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
Three month update:
10/1: $124,626
11/1: $126,949
12/1: $132,846
Closing in on $150,000!
This year I will have, for the first time, maxed out my 401(k) contribution!! I am ecstatic about that. Next year I should be able to do the same, too.
Congratulations!
Post by: onlykelsey on December 01, 2016, 08:38:15 AM
Assets
401(K):
Roth IRA:
Taxable Brokerage:
Savings:
Total =
Liabilities
401(K) loan:
HELOC:
Total =
Net worth =
Post by: Guava on December 01, 2016, 10:57:49 AM
October: $151,742.November: $155,076
Haven't included any of hubby's numbers yet because I have been so busy. Plus I kind of like knowing how I am doing on the journey with just what I am saving. We won't hit our savings goals this year but I have to remind myself we paid off $8k in medical bills in about 12 months so that alone is an accomplishment. And this is the first year I have contributed the max to my 401k and IRA.
Post by: dandypandys on December 01, 2016, 12:37:28 PM
2015Dec 1st $237,953.93
Jan 1st: 98,437.97
Feb 1st: $96,898.03
Mar 1st: $103,345.54
Apr 1st: $103,819.64
May 1st $105,766.12
Jun 1st $106,565.54
Jul 1st: $105,252.33
Aug 1st: $106,267.37
Sept 1st: $99,122.12
Oct 1st: $99,291.91
Nov 1st: $105,204.00
Dec 1st : $107,535.51
2016
Jan 1st:$104,592.84
Feb 1st: $99,467.66
March 1st:$101, 189.11
April 1st: $107,119.81
May 1st: $107,369.22
June 1st: $110,836.03 my contributions went up this month to 10%
July 1st: $112,327.7
Aug 1st: $116,833.52 upped contributions to 10.5%
Sept 1st: $118,564.37
Oct 1st $229,717.00 Paid off the condo this month :) and included as an asset going forth.
Nov 1st $232,973 upped contributions again this month 21.5%- next month will be 30% :)
I just looked at my contributions for the year- we are nowhere near the 18k, more like 4k. Next year will be SO different. :)
Post by: babystache89 on December 01, 2016, 06:13:19 PM
9/1/16: $217,00012/1/16: $234,500
10/1/16: $220,000
11/1/16: $232,000
Post by: tarheeldan on December 02, 2016, 08:22:51 AM
Oct 2016 $129,441.04
Nov 2016 $135,152.36
Had a great November with a bonus!
Nice!
Hello! I just graduated from the 100k board on Oct- 31st I thought I would mosey over here.
Welcome marcela!
Joining the club, using investment accounts only.
Nov 2016: $152k
Welcome motiv8ed!
Hello everyone! I just tipped over into six figures on Monday so I'm here to join you all in doubling my money and then some!
Welcome to the party, Slinky!
Joining up.
Dec 2016: 105K
Welcome jezebel!
I had a pretty good month despite getting some suits made in Thailand and booking another trip out there in June :-)
Up $4,290.97 or 3.5% to $128,843.42 - should hit my soft target of $130k for the year but maybe not my reach of $136k.
Feel free to join some of us in tracking your progress here:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=drive_web
Post by: Slurgi on December 02, 2016, 09:01:58 AM
Code: [Select]
2016-08-01: $101,832.52
2016-09-01: $107,135.16
2016-10-01: $112,708.63
2016-11-01: $113,957.04
2016-12-01: $118,681.95
Post by: Slinky on December 02, 2016, 09:07:26 AM
-----------------------
Dec 2016 - $101,670.70
Here's my official start. I'm up ~$1,300 in the week since I popped into this thread! That's from the $1k I used to open up my very first taxable investment account and the half of a 401k contribution that the market didn't eat.
Post by: brute on December 02, 2016, 09:18:29 AM
2014-1-1: $60k
2015-1-1: $92k
2016-1-1: $125k
Mustaching harder lately.
2016-12-2: $187,320
Post by: Nick_Miller on December 02, 2016, 10:15:23 AM
Joining in, though I expect to get knocked down pretty hard in a year or so when I buy my first house. First the history
2014-1-1: $60k
2015-1-1: $92k
2016-1-1: $125k
Mustaching harder lately.
2016-12-2: $187,320
You're killing it!
But you don't have to get "knocked down," at least on this thread, when you buy your new home. I, and many others, include all assets, including home equity, in their net worth calculation. Now I include a very low number for household goods, because if I was forced to liquidate, I'd probably get 10 cents or 20 cents on the dollar, but with a home, I think it is fair to include the equity at fair market value.
Post by: ducky19 on December 02, 2016, 11:46:10 AM
Post by: brute on December 02, 2016, 12:00:06 PM
Was at about $185k start of the year (guesstimate because I wasn't tracking it back then!) and currently at $246,585.30(ish). Hoping to clear $250k before the end of the year.
Nice work!
Joining in, though I expect to get knocked down pretty hard in a year or so when I buy my first house. First the history
2014-1-1: $60k
2015-1-1: $92k
2016-1-1: $125k
Mustaching harder lately.
2016-12-2: $187,320
You're killing it!
But you don't have to get "knocked down," at least on this thread, when you buy your new home. I, and many others, include all assets, including home equity, in their net worth calculation. Now I include a very low number for household goods, because if I was forced to liquidate, I'd probably get 10 cents or 20 cents on the dollar, but with a home, I think it is fair to include the equity at fair market value.
Thanks Nick! I suppose I should probably count the assets for my consulting business and all as well as the cars and stuff, but that's a whole 'nother spreadsheet of fun. Next update I'll consider including those. I was also debating whether to include invoices that have yet to be collected, but I'll wait on those until I can see the money in the account, it's easier than adjusting later if I have issues with a client.
Post by: Woodro85 on December 03, 2016, 06:51:11 PM
August $104,622.34 +$6,155.08
October $109,535.81 +$4,913.47
November $113,963.46 +$4,427.65
December $119,134.90 +$5,171.44
left foot, right foot, left foot, right foot...marching on....
Post by: tyort1 on December 06, 2016, 12:57:21 PM
Post by: Mazzinator on December 06, 2016, 07:31:05 PM
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
Post by: tarheeldan on December 06, 2016, 08:08:32 PM
Just hit $200k liquid assets, woohoo!!!!!!!Nice, congrats!
Post by: tyort1 on December 06, 2016, 10:09:45 PM
Just hit $200k liquid assets, woohoo!!!!!!!Nice, congrats!
Thanks! It's weird, there's some psychological hump that hitting $200k has helped me over. It was like "Meh, $150k not a big deal". But $200k? Big deal! At least to me. It's only $50k more, but damn it feels so freaking satisfying.
Post by: tarheeldan on December 07, 2016, 05:15:35 AM
I think it's a big deal. And in another 50k, you get to say "quarter mil" - I have a feeling that's going to be very satisfying when we get there :-)Just hit $200k liquid assets, woohoo!!!!!!!Nice, congrats!
Thanks! It's weird, there's some psychological hump that hitting $200k has helped me over. It was like "Meh, $150k not a big deal". But $200k? Big deal! At least to me. It's only $50k more, but damn it feels so freaking satisfying.
Post by: tyort1 on December 07, 2016, 10:32:43 AM
I think it's a big deal. And in another 50k, you get to say "quarter mil" - I have a feeling that's going to be very satisfying when we get there :-)
That might happen for us in the next couple of weeks - my wife is in the process of moving her defined-benefit pension from her former employer and rolling it to a traditional IRA, it's a $72k payout. So $250k might come VERY quickly :)
Post by: Slurgi on December 07, 2016, 01:08:34 PM
July $98,467.26 +$5,148.77
August $104,622.34 +$6,155.08
October $109,535.81 +$4,913.47
November $113,963.46 +$4,427.65
December $119,134.90 +$5,171.44
left foot, right foot, left foot, right foot...marching on....
Code: [Select]
2016-08-01: $101,832.52 -- $104,622.34
2016-09-01: $107,135.16 --
2016-10-01: $112,708.63 -- $109,535.81
2016-11-01: $113,957.04 -- $113,963.46
2016-12-01: $118,681.95 -- $119,134.90
You and I are pretty much in lock-step! I have a bit more cash than usual in my checking account at the moment (not included in my reported figures) that I'll front-load into my IRA early next year, but would be neat to see us both make a steady progress up to $250,000 together :).
Post by: steveo on December 08, 2016, 06:37:26 PM
2016-08-17 102
2016-10-01 110
2016-12-09 135
It's getting there slowly but surely.
Post by: SGontour on December 09, 2016, 12:40:19 PM
Investments only, end of month:
Jan15 CHF 49,805
...
Jan16 CHF 78,098
...
Nov16 CHF 106,096
Post by: CdnChris on December 11, 2016, 09:01:53 AM
| September | $207,022.02 |
| October | $229,254.61 |
| November | $253,036.10 |
I know my number for November will drop by about 10k(?) as we figure out year end and annual taxes, just have not been able to figure it out yet.
Looks like our current contract will now extend through January, although I think it will start slowing down. This is a good thing; it really helped us increase our net worth quickly, but we need a break. Should definitely be at $250K by end of the year.
I agree with @tyort1 and @tarheeldan ... very satisfying!
Very motivating to follow everyone else's progress, congratulations on the journey.
I've attached a graph again.
Post by: Icecreamarsenal on December 11, 2016, 09:06:21 AM
I calculate net worth wonky (most would read: wrong) but I only use invested assets, and not equity. I am purchasing a piece of cash flow investment real estate in the coming months and closing should be February. This will incur a cash outlay of 110k. So I'll see y'all soon.
Post by: ascZend on December 11, 2016, 11:37:08 AM
As of this week, my investment portfolio has finally exceeded $250,000 in value. Attached is a screenshot of my investments since I began tracking them via Personal Capital in October 2014. This figure does not include real estate, savings or property assets. My net worth is currently about $280,000. I will turn 29 at the end of next month. Thanks to everyone here for the inspiration along the way! Now the journey to $500K begins.
Post by: Nick_Miller on December 12, 2016, 11:12:37 AM
But obviously a person with $200,000 in true net worth (all assets minus all liabilities) is waaaaaay behind a person with $200,000 in investments, $25,000 in cash, and $125,000 in real estate equity.
I guess I'm just saying, that to me, such a huge spread chips away at any perceived solidarity or any kind of "we're all in the same place" vibe.
Yes I am nit-picking I suppose.
Post by: onlykelsey on December 12, 2016, 11:14:49 AM
I guess I'm just saying, that to me, such a huge spread chips away at any perceived solidarity or any kind of "we're all in the same place" vibe.
Yes I am nit-picking I suppose.
Well we don't segregate based on COL or family situation, either. a 20-something DINK couple with 500K is doing much better than a 50-something couple with four kids with 500K, no?
Post by: Icecreamarsenal on December 12, 2016, 09:42:35 PM
I'm a little confused about how and why people calculate net worth so differently in this thread. I know it's allowed, and I'm not talking about anyone in particular. I just thought the idea of this thread was to gather people in similar financial situations.
But obviously a person with $200,000 in true net worth (all assets minus all liabilities) is waaaaaay behind a person with $200,000 in investments, $25,000 in cash, and $125,000 in real estate equity.
I guess I'm just saying, that to me, such a huge spread chips away at any perceived solidarity or any kind of "we're all in the same place" vibe.
Yes I am nit-picking I suppose.
I read a little bit of your journal, hilarious! Nick miller is definitely my fav. char on New Girl. I think you were referring to my post when you mentioned all the different ways to calc net worth. In that case, I can only say: there's something really creepy about you, pal. You wanna get weird, let's get weird.
Post by: Nick_Miller on December 13, 2016, 10:55:58 AM
I'm a little confused about how and why people calculate net worth so differently in this thread. I know it's allowed, and I'm not talking about anyone in particular. I just thought the idea of this thread was to gather people in similar financial situations.
But obviously a person with $200,000 in true net worth (all assets minus all liabilities) is waaaaaay behind a person with $200,000 in investments, $25,000 in cash, and $125,000 in real estate equity.
I guess I'm just saying, that to me, such a huge spread chips away at any perceived solidarity or any kind of "we're all in the same place" vibe.
Yes I am nit-picking I suppose.
I read a little bit of your journal, hilarious! Nick miller is definitely my fav. char on New Girl. I think you were referring to my post when you mentioned all the different ways to calc net worth. In that case, I can only say: there's something really creepy about you, pal. You wanna get weird, let's get weird.
Haha! That was the best possible response! I need to catch up on New Girl and definitely plan to do that over the holidays.
And you're both right - there's no way to control for exact situations. I just see some folks in this thread who are waaaaay ahead of me and I think "Damnit, I just want to go to my room and do weird stuff on my computer."
Post by: tarheeldan on December 13, 2016, 11:20:59 AM
Also graduating from the race to 100k thread....
Welcome!
September $207,022.02 October $229,254.61 November $253,036.10
Congratulations, quarter millionaire :-)
As of this week, my investment portfolio has finally exceeded $250,000 in value.
Congratulations!!!
Post by: Nick_Miller on December 17, 2016, 09:10:09 AM
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
Up $58,186.39 for the year! I'll take that! If we can repeat that in 2017, we'd be in the $200,000 NW neighborhood. So my goal is to graduate from this thread in 2 years. We are moving next year, and that will obviously cause some additional expenses, BUT we should be getting a decent-sized tax return in the spring (that we usually don't get) that might entirely fund one of our IRAs for the year, so that would jump start our savings, so maybe it will all balance out.
Post by: khangaroo on December 18, 2016, 09:30:48 PM
8/19/16: $117,147
9/16/16: $118,664
10/21/16: $120,340
$11/16/16: $123,274
12/14/16: $131,102
I'm hoping to get to $250k at the end of 30.
Thanks for all the inspiration!
Post by: Canadian Ben on December 18, 2016, 10:04:31 PM
December 99,000
Jan 2017: 105,002 NW
I hope no one minds if I join 2 weeks early?
Post by: Guava on December 19, 2016, 07:05:09 AM
I would love to join the thread! I'm a new Mustachian and this is awesome! I'm currently cash flowing an MBA so I don't think I'll get the gains like many of people on this thread but love reading about your awesome progress!
8/19/16: $117,147
9/16/16: $118,664
10/21/16: $120,340
$11/16/16: $123,274
12/14/16: $131,102
I'm hoping to get to $250k at the end of 30.
Thanks for all the inspiration!
I am also cash flowing a graduate degree. It looks like you are doing great while paying all those extra costs. Keep up the good work!
Post by: Imustacheyouaquestion on December 19, 2016, 07:43:25 AM
Sept 2016 $106,084.00
Oct 2016 $107,559.00
Nov 2016 $103,227.00
Dec 2016 $107,460.00
Posting now because my "last paycheck" of 2016 will actually hit my bank account in January so this will be my last bit of income this calendar year. I miscalculated my TSP and HSA contributions and will be slightly under the IRS cap on both... That's annoying but in the grand scheme of things doesn't actually matter too much. This is also my last NW update before getting married in January, which will add some debt and assets to the mix :)
Post by: Tris Prior on December 29, 2016, 02:42:03 PM
401K: 90,123.76
Roth: 46,794.42
E-fund: 9,508.77
Total: 146,426.95
I started posting in this thread in June, when my total was $124,660.90. So, my net worth has increased by $21,766.05 in 6 months. Holy crap!
For perspective, that increase amount is more than I used to bring home in an entire year, at my last job.
Post by: motiv8ed on December 30, 2016, 04:30:08 AM
Nov 2016: $152,000
Dec 2016: $160,007.61
Post by: Gin1984 on December 30, 2016, 06:11:02 AM
Post by: SeattleStache on December 30, 2016, 08:24:31 AM
January 2015: $98,619
January 2016: $101,235
December 2016: $140,779
Total NW including real estate and cash savings: $269,089. I know the total NW is over $250k but I'm focused on retirement savings only for this challenge. Happy New Year!
Post by: SGontour on December 30, 2016, 09:07:00 AM
Jan15 CHF 49,805
...
Jan16 CHF 78,098
...
Nov16 CHF 106,096
Dec16 CHF 103,554
Post by: JLee on December 30, 2016, 12:15:35 PM
Code: [Select]
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 $123,231.73Code: [Select]
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
NW is up $70,550 in a year! That's crazy, considering that's about the same as my net pay and 401k contributions (combined) for the entire year!
Post by: achvfi on December 30, 2016, 04:15:18 PM
Cheers you all. Happy new year.
Post by: Radagast on December 30, 2016, 05:40:50 PM
Investments only, end of month:I first I thought "you're rich!" and then I looked up the CHF and apparently it is not as strong as I had thought, so really you are more like me :-).
Jan15 CHF 49,805
...
Jan16 CHF 78,098
...
Nov16 CHF 106,096
Dec16 CHF 103,554
Post by: Radagast on December 30, 2016, 05:53:35 PM
| Quarter "Liquid" Liquid + R.E. %Bonds/Cash Q3 2016: $112,200 $165,800 19% Q4 2016: $124,300 $178,500 22% |
Post by: JLee on December 30, 2016, 06:23:24 PM
Q4 update: it seems too slow, I thought it would be going faster.
Quarter "Liquid" Liquid + R.E. %Bonds/Cash
Q3 2016: $112,200 $165,800 19%
Q4 2016: $124,300 $178,500 22%
Up $48k/yr liquid looks pretty damn good to me!
Post by: GreenShirt on December 30, 2016, 06:42:31 PM
My networth for the end of December 2016 is: $103,491, just over the $100k threshold.
I'm not exactly sure when we'll hit $250k since I've just started keeping track of net worth earlier this month.
Post by: mrteacher on December 30, 2016, 06:46:56 PM
2/1: $91,959
3/1: $93,145
4/1: $100,869
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
10/1: $124,626
11/1: $126,949
12/1: $132,846
12/30/16: $141,336
2016 was a great financial year. I maxed my 401k (first time!) and Roth IRA (4th year in a row!). Increased NW by just under $48,000 on a salary of roughly $70,000. Exciting!
Post by: JLee on December 30, 2016, 07:05:28 PM
1/1/2016: $93,782
2/1: $91,959
3/1: $93,145
4/1: $100,869
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
10/1: $124,626
11/1: $126,949
12/1: $132,846
12/30/16: $141,336
2016 was a great financial year. I maxed my 401k (first time!) and Roth IRA (4th year in a row!). Increased NW by just under $48,000 on a salary of roughly $70,000. Exciting!
Awesome! It's amazing how much faster things progress than you might otherwise expect, isn't it?
Post by: mrteacher on December 30, 2016, 07:07:49 PM
1/1/2016: $93,782
2/1: $91,959
3/1: $93,145
4/1: $100,869
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
10/1: $124,626
11/1: $126,949
12/1: $132,846
12/30/16: $141,336
2016 was a great financial year. I maxed my 401k (first time!) and Roth IRA (4th year in a row!). Increased NW by just under $48,000 on a salary of roughly $70,000. Exciting!
Awesome! It's amazing how much faster things progress than you might otherwise expect, isn't it?
It really is amazing. I keep looking at the numbers and shaking my head in disbelief!
Post by: Radagast on December 30, 2016, 07:08:11 PM
I thought I would be doing 54k per year 8-), I need to stop slacking. Gotta be more like you.Q4 update: it seems too slow, I thought it would be going faster.
Quarter "Liquid" Liquid + R.E. %Bonds/Cash
Q3 2016: $112,200 $165,800 19%
Q4 2016: $124,300 $178,500 22%
Up $48k/yr liquid looks pretty damn good to me!
Post by: McStache on December 30, 2016, 08:45:21 PM
$179,734
There's a slight chance I'll finish the race by this time next year depending on how the market does.
I track over on the google doc (https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0)
Post by: Radagast on December 30, 2016, 09:54:11 PM
I don't know when we'll get to $250,000 because my husband just lost his job and wants to adjunct for a bit for the experience before applying to tenure track jobs but we just passed $100,000 so I want to join. Slow but steady for me right now.That sucks, at least financially. My wife will be in school for at least 3.5 more years, and is thinking of even more, so I am handicapped too. You can race me!
Post by: SpareChange on December 30, 2016, 11:51:12 PM
1/1/2016: $93,782
2/1: $91,959
3/1: $93,145
4/1: $100,869
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
10/1: $124,626
11/1: $126,949
12/1: $132,846
12/30/16: $141,336
2016 was a great financial year. I maxed my 401k (first time!) and Roth IRA (4th year in a row!). Increased NW by just under $48,000 on a salary of roughly $70,000. Exciting!
Great stuff! Very efficient!
Post by: SpareChange on December 31, 2016, 12:01:51 AM
Post by: FiguringItOut on December 31, 2016, 12:07:39 AM
12/31/2015 -- $128,674
12/31/2016 -- $155,487
Post by: ohyonghao on December 31, 2016, 12:23:35 AM
This months numbers:
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016: $172,089.61
April 2016: $177,924.11
May 2016: $182,266.37
June 2016: $195,382.39
July 2016: $207,370.73
August 2016: $210,598.32
September 2016: $211,858.91
October 2016: $217,642.90
November 2016: $219,133.69
December 2016: $195,225.97
The $24k drop is due to selling our home and various moving and living expenses incurred these past couple months. House closed on 12/29 and funds were wired in 12/30. I promptly filled up the tank on our IRA's and HSA's, reducing our taxable income to $0. There should be a $2k return once we get all the documents in and file.
The rest of the proceeds from the sale we are debating over using Betterment or choosing our own Vanguard funds, and leaving about a year of expenses in our account. By a weird coincidence even though we just moved out of country I got a job back in the States and will be temporarily moving back. Not sure for how long, but it will be an interesting time. We estimate being able to save at a rate of around $3000/mo, plus whatever the market brings us. Might not be too far fetched to cross the quarter mill mark by the end of 2017.
Post by: babystache89 on December 31, 2016, 10:52:59 AM
10/1/16: $220,000
11/1/16: $232,000
12/1/16: $234,500
1/1/17: $238,500
Happy New Year, everyone! :)
Post by: Guava on December 31, 2016, 03:42:39 PM
November: $155,076December 16: $161,960
I am really happy with this number. Over the holidays I have been working on a few things to help save even more next year too. Happy new year everyone!
Post by: t5inside on January 01, 2017, 12:14:46 PM
...
May-16 $177,354.00
Jun-16 $183,866.00
Jul-16 $195,548.00
Aug-16 $204,734.00
Time to update!
Sep-16 $212,181.00
Oct-16 $209,160.00 (Mortgage refi from 30/3.625% to 15/2.5%)
Nov-16 $218,918.00
Dec-16 $227,348.00
With bonus season coming, hopefully by end of February I'll be moving on to the next phase.
Happy new year, all.
Post by: JJsfr on January 01, 2017, 04:48:42 PM
Dec 2014 $101k
Jan 2015 $102k
Feb 2015 $116k
Mar 2015 $117k
Apr 2015 $117k
May 2015 $121k
Jun 2015 $120k
Jul 2015 $126k
Aug 2015 $123k
Sep 2015 $125k
Oct 2015 $139k
Nov 2015 $146k
Dec 2015 $147k
Jan 2016 $141k
Feb 2016 $149k
Mar 2016 $164k
Apr 2016 $172k
May 2016 $178k
Jun 2016 $183k
Jul 2016 $193k
Aug 2016 $197k
Sep 2016 $201k
Oct 2016 $199k
Nov 2016 $218k
Dec 2016 $222k
Wow. What a year.
Post by: MichaelB on January 01, 2017, 05:08:04 PM
Up to 109k thru October 31. It blows my mind that it is possible to improve net worth by $9k in 3 months.
Probably going to fall a bit this month, as there is an outstanding check for $6k. Bought a new car. The timing belt in my old car broke, and that did all the engine damage that can do. (Did you know that 2010 Hyundai Accents have timing belts? Well I didn't. Now I do.) It had 155k miles, and the repair would have been more than the car was worth. Sucks--that thing was a damn champ. I didn't put a dollar for repairs into that car, just maintenance. I was saving for a potential car purchase anyways, so I figured now was time--155k miles on a car that needs a repair more expensive than the car itself. I actually got another 2010 Accent, but this one only had $38k miles. $5900--and had enough in cash to just buy the thing outright. Emergency fund FTW!
Small drop, but not nearly as bad as it could have been. $107,889
Up to 112k. Here's everything from when I started tracking this, back to the end of February 2016 (including investments, cash, home equity, debt, and mortgage):
Feb 29: $79,516.82
March 31: $83,734.70
April 30: $87,137.39
May 31: $89,555.65
June 30: $93,641.14
July 31: $101,134.66
Aug 31: $104,093.75
Sept 30: $105,485.80
Oct 31: $109,245.15
Nov 30: $107,889.49
Dec 31: $112,056.39
Discovered MMM April or May. $32k gain in less than a year! It would be cool to go up $50k in 2017, but it will be a challenge with my first baby coming in April.
Post by: gj83 on January 01, 2017, 08:13:17 PM
Including home equity
10/1/2016: $208,626.09
11/1/2016: $210,098.56
12/1/2016: $217,736.25
1/1/2017: $222,287.69
Excluding home equity
10/1/2016: $98,680.19
11/1/2016: $99,290.31
12/1/2016: $106,063.24
1/1/2017: $109,785.78
Post by: onlykelsey on January 02, 2017, 01:43:55 AM
Assets
401(K):
Roth IRA:
Taxable Brokerage:
Savings:
Total =
Liabilities
401(K) loan:
HELOC:
Total =
Net worth =
ETA: When I joined this thread in May, I had $159,778 in assets and $55,737 in liabilities, for a net worth of $104,041. I wrote "My goal for the year is to get to about $160,000, which I think is doable given the principal I'll pay off and amount I'll invest with my year-end bonus." I came in 60K over my goal!
I'm uncertain about when I'll age out of this thread given the kid/maternity leave, but April is probably reasonable.
Post by: Apples on January 02, 2017, 07:09:49 AM
Dec 1 2015: $106,488.64 --- gain of $4,787.53
Jan. 1 2016: $107,709.77 --- gain of $1,221.14
Feb. 1 2016: $106,318.40 --- loss of $1,402.91
Mar. 1 2016: $108,550.55 --- gain of $2,232.15
Apr. 1 2016: $115,724.63 --- gain of $7,174.08 woohoo market swing up!
May 1 2016: $119,946.35 --- gain of $4,221.72
June 1 2016: $125,160.93 --- gain of $5,214.58
July 1 2016: $127,094.93 --- gain of $1,934.00
August 1 2016: $133,039.69 --- gain of $5,944.76
September 1 2016: $136,465.21 --- gain of $3,425.52
October 1 2016: $140,391.81 --- gain of $3,926.60
November 1 2016: $145,497.13 --- gain of $5,105.32
December 1 2016: $149,771.11 -- gain of $3,732.60
January 1 2017: $153,948.79 -- gain of $4,177.68
February 1 2017: $163,262.29 -- gain of $9,313.60 We were reimbursed for some canceled travel plans, plus our Christmas bonuses went into the savings account in January to reflect in this number. Big month!
Post by: Mazzinator on January 02, 2017, 07:58:24 AM
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
Post by: Uncle Scrooge on January 02, 2017, 08:24:58 AM
July 1,2015- $112,000
Jan 1,2016- $131,900
July 1,2016- $156,400
Aug 1,2016- $159,000
Sept 1, 2016- $162,000
Oct 1, 2016- $164,100
Nov 1,2016-$162,200
Dec 1,2016-$166,900
Jan 1,2017-$174,700
Post by: turketron on January 02, 2017, 09:03:49 AM
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
Post by: Vertical Mode on January 02, 2017, 09:14:09 AM
Just over 100k to go!
Post by: Blahhhh456 on January 02, 2017, 10:44:09 AM
Woohoo! Finally joining this thread!!
Only including IRAs, 401(k) and HSAs.
Jan 1, 2016 - $81,396
Oct 1, 2016 - $122,943
It took me about 7.5 years to reach $100K, which was achieved around May 2016. I am setting a goal of $250K by Jan 2019.
Dec 31, 2016 - $128,893 mostly returns and a bit of 401k contribution.
Post by: 10dollarsatatime on January 02, 2017, 12:56:02 PM
Dec. 31 2015: $87,324
What?! This is awesome! $10,000 of that is probably real estate appreciation, but the other $28,000 is all savings and market. :) (I earn $38,000 salary, plus whatever I bring in from side gigs.) I hope I can do as well or better next year!
Post by: tarheeldan on January 03, 2017, 05:30:55 AM
I'll race ya!
Welcome, GreenShirt!
NW is up $70,550 in a year! That's crazy, considering that's about the same as my net pay and 401k contributions (combined) for the entire year!
Wow! That's awesome :-)
Passed the half way mark this month!
NICE!
Dec. 31 2016: $125,024
Dec. 31 2015: $87,324
What?! This is awesome! $10,000 of that is probably real estate appreciation, but the other $28,000 is all savings and market. :) (I earn $38,000 salary, plus whatever I bring in from side gigs.) I hope I can do as well or better next year!
That IS awesome!
Increased NW by just under $48,000 on a salary of roughly $70,000. Exciting!
68.5% of gross! That's kick-ass.
The market helped of course, but my net worth went up by $44.1k in 2016 on gross earnings of 71.7k (61.5%).
Up $6,336.26 in December (4.92%) to $135,164.68.
Some of us are tracking our progress here:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=drive_web
Post by: Pooplips on January 03, 2017, 05:35:46 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
Post by: turketron on January 03, 2017, 10:25:07 AM
Post by: Slinky on January 03, 2017, 02:16:41 PM
-----------------------
Dec 2016 - $101,671
Jan 2017 - $105,278 (+3,607)
Post by: easternblockbabe on January 03, 2017, 02:23:26 PM
Hope to reach 250k by the end of 2017!
retirement total non-equity
July 28 2016: $150,359 $204,445
Aug 26 2016: $152,086 $213,655
Sept 30 2016: $156,721 $214,248
Oct 28 2016: $154,857 $210,419
Dec 1 2016: $158,555 $217,706
Dec 31 2016: $167,738 $219,839
Post by: Check2400 on January 03, 2017, 03:52:41 PM
With the end of year profit disbursements my stash now stands at just over $103,000 (does not include real estate).
So:
Dec. 2016 - 103,000
Target Date: April 1, 2019, with roughly $60,000 saved a year.
Housing decisions may derail me, but everyone needs a goal.
Looking forward to the challenge, and looking forward to earning out of the challenge even more!
[linking this below so I remember to update when I come back]
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Post by: mastrr on January 03, 2017, 09:00:59 PM
January 2017 - $165,726
Post by: dandypandys on January 04, 2017, 03:39:18 AM
2015
Jan 1st: 98,437.97
Feb 1st: $96,898.03
Mar 1st: $103,345.54
Apr 1st: $103,819.64
May 1st $105,766.12
Jun 1st $106,565.54
Jul 1st: $105,252.33
Aug 1st: $106,267.37
Sept 1st: $99,122.12
Oct 1st: $99,291.91
Nov 1st: $105,204.00
Dec 1st : $107,535.51
2016
Jan 1st:$104,592.84
Feb 1st: $99,467.66
March 1st:$101, 189.11
April 1st: $107,119.81
May 1st: $107,369.22
June 1st: $110,836.03 my contributions went up this month to 10%
July 1st: $112,327.7
Aug 1st: $116,833.52 upped contributions to 10.5%
Sept 1st: $118,564.37
Oct 1st $229,717.00 Paid off the condo this month :) and included as an asset going forth.
Nov 1st $232,973 upped contributions again this month 21.5%- next month will be 30% :)
[/quote]
Dec 1st $237,953.93
Jan 4th! $ 253,212 WOHOOOOOOOO just made it! I will see you guys in the next thread, what a great way to start the year.
Post by: tarheeldan on January 04, 2017, 05:05:52 AM
Jan 4th! $ 253,212 WOHOOOOOOOO just made it! I will see you guys in the next thread, what a great way to start the year.
Congratulations!! :-)
Post by: Prairie Gal on January 04, 2017, 06:58:09 AM
Dec 1st $237,953.93
2015
Jan 1st: 98,437.97
Feb 1st: $96,898.03
Mar 1st: $103,345.54
Apr 1st: $103,819.64
May 1st $105,766.12
Jun 1st $106,565.54
Jul 1st: $105,252.33
Aug 1st: $106,267.37
Sept 1st: $99,122.12
Oct 1st: $99,291.91
Nov 1st: $105,204.00
Dec 1st : $107,535.51
2016
Jan 1st:$104,592.84
Feb 1st: $99,467.66
March 1st:$101, 189.11
April 1st: $107,119.81
May 1st: $107,369.22
June 1st: $110,836.03 my contributions went up this month to 10%
July 1st: $112,327.7
Aug 1st: $116,833.52 upped contributions to 10.5%
Sept 1st: $118,564.37
Oct 1st $229,717.00 Paid off the condo this month :) and included as an asset going forth.
Nov 1st $232,973 upped contributions again this month 21.5%- next month will be 30% :)
Jan 4th! $ 253,212 WOHOOOOOOOO just made it! I will see you guys in the next thread, what a great way to start the year.
[/quote]
Just wondering if most people here include the equity in their home? If so, I should be in the next thread also as my house is paid off and it is worth more than 250K.
Congrats! You are doing great!
Post by: Apples on January 04, 2017, 07:01:00 AM
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=1302523503
Post by: MichaelB on January 04, 2017, 08:37:42 AM
Just wondering if most people here include the equity in their home? If so, I should be in the next thread also as my house is paid off and it is worth more than 250K.
I do, but I probably wouldn't if my house was paid off and I had no intentions of ever moving. The fact that there is debt and that it likely will ultimately be paid off by selling the house itself (short of a windfall, or not moving for 20 years) means it probably makes sense to track the equity. I just use the tax value less outstanding mortgage for spreadsheet purposes.
Post by: tarheeldan on January 04, 2017, 10:05:02 AM
I always forget that there is a spreadsheet for this group:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=1302523503
I should mention, because looking at people's entries there might be some misunderstanding - to make the formulas play nice (on the Big Board tab), all dates on the Data Entry tab are the first of the month rather than the last date.
So, your end-of-month for December, 2016 would go in the January 1, 2017 column. Hope that makes sense!
Post by: Guava on January 04, 2017, 10:19:53 AM
Just wondering if most people here include the equity in their home?
I have been. I keep the value at what I what I bought it for at the bottom of the market, less than the taxable value though. For me it is an important part of my stash because a paid off home significantly reduces my expenses (as housing is my biggest expense). I keep a separate column in my spreadsheet that just shows invested assets too.
Post by: afuera on January 04, 2017, 10:49:07 AM
I want to join in on the race! I updated the spreadsheet with my historical data.
Current NW: $185,501 (including RE).
NW w/o RE: $122,896.
Hubs was unemployed for most of last year but now that we are back to DINK status I'm excited to ramp up savings and we are gonna try to get to 300K by EOY!
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Post by: turketron on January 04, 2017, 10:55:28 AM
Post by: dandypandys on January 04, 2017, 11:02:21 AM
Post by: tarheeldan on January 04, 2017, 11:15:10 AM
Hello All!
I want to join in on the race! I updated the spreadsheet with my historical data.
Current NW: $185,501 (including RE).
NW w/o RE: $122,896.
Hubs was unemployed for most of last year but now that we are back to DINK status I'm excited to ramp up savings and we are gonna try to get to 300K by EOY!
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Welcome! Yay for your DH and DINK status :-)
Post by: tyort1 on January 07, 2017, 01:44:20 PM
Post by: ohyonghao on January 12, 2017, 06:59:33 AM
December against November 2016.I was going to start doing this with my new job now. Last year I missed out on maxing it out due to being laid off after the first quarter. We now have enough money set aside to be flexible enough with paychecks. Plan is to as soon as possible set it to fill out the max they'll let me contribute at one time, there's no match, so no problem there. Great to see others have come up with the same idea.
Assets
401(K):$100,950$102,231 Maxed in June, so this is just returns. I've set up my contributions so I'll be maxed by probably the second paycheck in April this year, which is nice.
Post by: brute on January 12, 2017, 08:15:24 AM
Joining in, though I expect to get knocked down pretty hard in a year or so when I buy my first house. First the history
2014-1-1: $60k
2015-1-1: $92k
2016-1-1: $125k
Mustaching harder lately.
2016-12-2: $187,320
So, I don't even know what's going on. I REALLY didn't expect this big of a jump in one month
2016-12-2: $187,320
2017-1-1: $202,158
We spent like maniacs over the christmas season. Presents, travel, nice food. Now that the mustache is growing, I'm having a different issue than my non-mustachian friends. Sometimes I don't know where the money is coming from rather than where it all went...
Post by: RetireGermane on January 13, 2017, 05:46:11 AM
2016 Jan: 64,400€
2017 Jan: 104,000€
Happy Investing
Post by: tarheeldan on January 13, 2017, 08:42:45 AM
First Post
2016 Jan: 64,400€
2017 Jan: 104,000€
Happy Investing
Welcome!
Post by: Guava on January 13, 2017, 03:24:48 PM
Now that the mustache is growing, I'm having a different issue than my non-mustachian friends. Sometimes I don't know where the money is coming from rather than where it all went...
That's a great problem to have!
Post by: Nick_Miller on January 15, 2017, 08:55:40 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
Big jump because of increased home equity (I didn't include all of it because we'll have closing costs coming up!), investment gains and continuing to pay down mortgage, student loans, and car. Next month I hope we hit $150,000, even with the sale of our home messing up the normal net worth calculations.
Post by: jda85 on January 23, 2017, 07:18:18 PM
9/1/16: $99,187.7112/1/16: $116,317
9/9/16: $101,885
10/1/16: $103,713.66
11/1/16: $108,566.60
1/1/17: $125,770
Post by: marcela on January 24, 2017, 10:46:01 AM
Hello! I just graduated from the 100k board on Oct- 31st I thought I would mosey over here. I'm married, 28 years old and my husband is currently finishing up school. Total household income is 56k. We rent and have no outstanding debt. Worth of our single car is not included in the calculations.
Background on net worth:
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
11/17/2016: $103,940
12/30/2916: $109,785.19
Post by: 4n6 on January 25, 2017, 05:10:34 PM
Post by: McStache on January 25, 2017, 08:05:03 PM
I have been wanting to post here for months. It seemed my portfolio just sat at 240k or so for weeks. Today, finally made it over that 250k hump. Next stop 500k (hopefully in 3 years).
Congrats!!
Post by: JLee on January 27, 2017, 12:46:02 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 $123,231.73Code: [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 $193,782.16Code: [Select]
Date Assets Debts Net Worth
January 2017 $329,765.13 -$130,035.00 $199,730.13
Bonus time is coming (March-ish) - I'm really curious to see how that changes things!
Post by: Erma on January 29, 2017, 02:52:00 AM
Post by: Imustacheyouaquestion on January 30, 2017, 06:21:17 AM
Sept 2016 $106,084.00
Oct 2016 $107,559.00
Nov 2016 $103,227.00
Dec 2016 $107,460.00
Jan 2016 $111,400.00
Three paycheck month in January. Plus I got married this month (about $2k of expenses) and I'll need to update our net worth calculations soon to include my wife's assets/liabilities. Hoping to buy a house in the next few months so the data may look a bit noisier than usual, but that's okay!
Post by: Guava on January 30, 2017, 09:44:41 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 2016 $111,400.00
Three paycheck month in January. Plus I got married this month (about $2k of expenses) and I'll need to update our net worth calculations soon to include my wife's assets/liabilities. Hoping to buy a house in the next few months so the data may look a bit noisier than usual, but that's okay!
Congrats!
Post by: SeattleStache on January 30, 2017, 04:11:41 PM
January 2015: $98,619
January 2016: $101,235
December 2016: $140,779 (total NW $269,089)
January 2017: $151,307 (total NW $276,052)
I know the total NW is over $250k but I'm focused on retirement only for this challenge.
Post by: marcela on January 31, 2017, 06:53:23 AM
Hello! I just graduated from the 100k board on Oct- 31st I thought I would mosey over here. I'm married, 28 years old and my husband is currently finishing up school. Total household income is 56k. We rent and have no outstanding debt. Worth of our single car is not included in the calculations.
Background on net worth:
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
11/17/2016: $103,940
12/30/2916: $109,785.19
1/31/2017: $112,318.74
Post by: JJsfr on January 31, 2017, 10:05:01 PM
Dec 2014 $101k
Jan 2015 $102k
Feb 2015 $116k
Mar 2015 $117k
Apr 2015 $117k
May 2015 $121k
Jun 2015 $120k
Jul 2015 $126k
Aug 2015 $123k
Sep 2015 $125k
Oct 2015 $139k
Nov 2015 $146k
Dec 2015 $147k
Jan 2016 $141k
Feb 2016 $149k
Mar 2016 $164k
Apr 2016 $172k
May 2016 $178k
Jun 2016 $183k
Jul 2016 $193k
Aug 2016 $197k
Sep 2016 $201k
Oct 2016 $199k
Nov 2016 $218k
Dec 2016 $222k
Jan 2017 $275k
Well... I guess I'm graduating with a bang.
A windfall is responsible for about $20k. Investment gains and a 3 paycheck month make up the rest I suppose.
Good luck.
Post by: SpareChange on January 31, 2017, 11:29:28 PM
Post by: MrThatsDifferent on February 01, 2017, 12:10:14 AM
Post by: ohyonghao on February 01, 2017, 01:12:16 AM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016: $172,089.61
April 2016: $177,924.11
May 2016: $182,266.37
June 2016: $195,382.39
July 2016: $207,370.73
August 2016: $210,598.32
September 2016: $211,858.91
October 2016: $217,642.90
November 2016: $219,133.69
December 2016: $195,225.97
January 2017: $194,385.56
Wow, almost didn't lose net worth this month, so close. Started working again after 10 months, with the last month and a half being in pure bliss on a tropical island. Should start to see solid gains now with our monthly expenses down to roughly $1800. After we file our taxes and receive our return it should be pretty amazing.
Plan this year is to set our 401k contributions to max until we hit the max contribution while living off savings then continue to sock away as much as possible. Come year end we'll decide how much to move to HSA, then Trad IRA vs Roth IRA. With enough money from the sale of the house now in non-tax advantaged accounts it feels like we are much more flexible as to what strategy we can pull off.
It's sort of funny to see people complaining on FB about how the tax man is taking more money from them because they made more money. No, it's because you made more and then spent it all without thinking of the ramifications.
Post by: MichaelB on February 01, 2017, 05:09:02 AM
Up to 112k. Here's everything from when I started tracking this, back to the end of February 2016 (including investments, cash, home equity, debt, and mortgage):
Feb 29: $79,516.82
March 31: $83,734.70
April 30: $87,137.39
May 31: $89,555.65
June 30: $93,641.14
July 31: $101,134.66
Aug 31: $104,093.75
Sept 30: $105,485.80
Oct 31: $109,245.15
Nov 30: $107,889.49
Dec 31: $112,056.39
Discovered MMM April or May. $32k gain in less than a year! It would be cool to go up $50k in 2017, but it will be a challenge with my first baby coming in April.
Jan 31 2017: $118,069.75
Post by: tarheeldan on February 01, 2017, 05:20:21 AM
Jan 2017 $275k
Well... I guess I'm graduating with a bang.
Congratulations!!!
Post by: Pooplips on February 01, 2017, 07:26:52 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
Post by: mrteacher on February 01, 2017, 07:33:44 AM
1/1/16: $93,782
2/1: $91,959
3/1: $93,145
4/1: $100,869
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
10/1: $124,626
11/1: $126,949
12/1: $132,846
1/1/17: $141,336
2/1/17: $145,890
Post by: turketron on February 01, 2017, 08:46:45 AM
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
Broke $200k! I'm super excited about it. Took 1 year 9 months to go from $100k to $200k. Let's see if I can double it again in another 1.75 years! :D
Post by: Guava on February 01, 2017, 09:11:41 AM
January 2017: $165,806
Post by: afuera on February 01, 2017, 09:30:44 AM
Hello All!
I want to join in on the race! I updated the spreadsheet with my historical data.
Current NW: $185,501 (including RE).
NW w/o RE: $122,896.
Hubs was unemployed for most of last year but now that we are back to DINK status I'm excited to ramp up savings and we are gonna try to get to 300K by EOY!
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
1/1/2015: $-7,391.00
2/1/2015: $14,385.00
3/1/2015: $23,410.26
4/1/2015: $26,035.00
5/1/2015: $40,351.00
6/1/2015: $45,024.00
7/1/2015: $49,653.00
8/1/2015: $55,698.00
9/1/2015: $64,143.00
10/1/2015: $69,752.00
11/1/2015: $73,258.00
12/1/2015: $78,264.00
1/1/2016: $85,216.00
2/1/2016: $108,561.00
3/1/2016: $120,587.00
4/1/2016: $126,840.00
5/1/2016: $141,235.00
6/1/2016: $158,354.00
7/1/2016: $163,000.00
8/1/2016: INV-$$91,234.65 NW-$189,193.00
9/1/2016: INV-$$93,526.67 NW-$172,000.00
10/1/2016: INV-$$95,922.07 NW-$175,024.00
11/1/2016: INV-$$97,640.51 NW-$179,773.00
12/1/2016: INV-$101,914.22 NW-$180,032.02
1/1/2017: INV-$107,733.74 NW-$188,244.05
2/1/2017: INV-$117,155.67 NW-$199,327.18
So close to 200K!
Post by: Check2400 on February 01, 2017, 11:32:03 AM
Jan 1, 2017 - 103,000
Feb. 1, 2016 - 106,500
Increase does not include my monthly max 401k contributions for January, since we're rolling into a new plan this week.
Increased my Taxable Vanguard deposit from 500 to 750 a month.
[linking this below so I remember to update when I come back]
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Post by: tarheeldan on February 01, 2017, 07:23:32 PM
Broke $200k! I'm super excited about it. Took 1 year 9 months to go from $100k to $200k. Let's see if I can double it again in another 1.75 years! :D
Congratulations!!!
For me, another great month last month, up 4.9% or $6,655 to $142,004 :-)
Some of us are tracking our progress here:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=drive_web
Post by: babystache89 on February 01, 2017, 07:32:57 PM
10/1/16: $220,000
11/1/16: $232,000
12/1/16: $234,500
1/1/17: $238,500
2/1/17: $245,000
Getting close!
Post by: cakie on February 01, 2017, 07:46:01 PM
Current: ~$103k
Post by: Uncle Scrooge on February 02, 2017, 05:57:08 AM
July 1,2015- $112,000
Jan 1,2016- $131,900
July 1,2016- $156,400
Aug 1,2016- $159,000
Sept 1, 2016- $162,000
Oct 1, 2016- $164,100
Nov 1,2016-$162,200
Dec 1,2016-$166,900
Jan 1,2017-$174,700
Feb 1, 2017-$175,000
Paid 6 months of property taxes and DW and my car insurance for the year. Lots of bills!
Post by: RetireGermane on February 02, 2017, 09:48:12 AM
In January i hesitated to invest because of a possible financial Trump Turmoil at the stock markets, but now i'm back in business. I use short running bonus certificates (1 to 2 months) on the german DAX.
No liabilities + a paid Appartment (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€
Planned Graduation Date 250k: Sept 2021
Happy Investing
Post by: Slinky on February 02, 2017, 11:58:02 AM
-----------------------
Dec 2016 - $101,671
Jan 2017 - $105,278 (+3,607)
Feb 2017 - $111,155 (+5,877)
$2k into taxable to meet a fund minimum for investing and get that doing something, standard $1,500 into the 401k. Cash flow is settling now that our big restoration project is finishing up so the next priority is this year's Roth contribution.
Post by: Mustachio Bashio on February 02, 2017, 06:27:36 PM
Currently my stash is at 167,752. I have a trip coming up in a month to Melbourne and New Zealand, so that'll probably effect the stash a bit (hello $400 ice climbing on a glacier once in a lifetime experience plus being MOH in my friend's wedding and all that that entails, though trying to balance it out by mostly camping throughout the NZ part of the trip and the hotel in Melbourne is covered from last years travel credit from Chase Sapphire Reserve), but hopefully I'm still able to save a significant amount. Figured either way, this would be a great place to push myself and keep me accountable.
Post by: jda85 on February 02, 2017, 07:52:12 PM
9/1/16: $99,187.712/1/17: $131,945
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
Post by: Check2400 on February 03, 2017, 09:27:50 AM
Just passed $100k mark in December, will have to join in! I'll try to remember put my numbers into the spreadsheet...
Current: ~$103k
Cakie, we're in the same starting place! Join the spreadsheet and we'll race. Our firehoses of cash may be different, but friendly competition and accountability makes things more fun.
Plus, I'm finding that this Race is extremely helpful in concentrating on the next rung instead of the end goal. Breaking up a 13 year FIRE journey into 2-3 year goals is a lot more tangible.
Post by: retireatbirth on February 03, 2017, 05:21:20 PM
June 2015: $120,300
July 2015: $120,800
August 2015: $125,300
December 1, 2015: $137,000
October 1, 2016: $200,000
February 3, 2017: $224,000
Post by: richmadethis on February 03, 2017, 07:07:52 PM
Past year's progress:
01/01/16 : 70127
01/02/16 : 71010
01/03/16 : 73416
01/04/16 : 74102
01/05/16 : 77079
01/06/16 : 79954
01/07/16 : 80915
01/08/16 : 84609
01/09/16 : 87883
01/10/16 : 90308
01/11/16 : 92726
01/12/16 : 95496
01/01/17 : 97661
01/02/17: 101,101 YES!
Currently about 50/50 home equity / investments split. Home equity included at conservative guess (basically ignores last year's 20% increase property values in my city, no plans to sell), our mortgages interest rates range from 4-6% - so we make extra payments on that, as well as invest. Plan on reaching the 250k mark in 4 years, mortgage free in 7, able to comfortably semi-retire/go for extended travel/do volunteer work in 10 years (Will be 45 years old then).
Post by: tarheeldan on February 03, 2017, 07:14:41 PM
Newbie here from New Zealand!
Just passed $100k mark in December, will have to join in! I
Welcome!
Post by: Mazzinator on February 03, 2017, 07:56:12 PM
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
Post by: Rhoon on February 04, 2017, 08:40:27 AM
Hi all,
I had been hanging out in the Race to $100K before I added my home equity, which got a huge bump in value as a few homes sold around me for really good prices. Here's to the race to $250K!
With Home Equity:
Jan 2017 - $152,454.47
Feb 2017 - $190,691.99
Equity: $74,388
Post by: AK on February 04, 2017, 10:43:38 AM
Post by: nathan01xl on February 04, 2017, 06:46:05 PM
Feb 2016 - $49,164
March 2016 - $62,581
April 2016 - $66,697
May 2016 - $71,586
June 2016 - $76,413
July 2016 - $83,499
August 2016 - $88,924
September 2016 - $95,816
October 2016 - $99,624
November 2016 - $106,957
December 2016 - $114,443
January 2016 - $127,417
Post by: Mustachio Bashio on February 05, 2017, 10:27:09 AM
Post by: AK on February 05, 2017, 11:11:39 AM
Quote
Are a lot of people doing this as a couple? I'm amazed by how much money people are saving each month. Seems like people are regularly adding over 5k a month.
We are a family of 3 with one parent working full time. Having a high-income and low expenses helps a lot. The MMM community has many high earners that definitely help skew the savings rates and amounts higher. Admittedly, I used to be quite envious of other people's income and saving rates but that doesn't do any good. Track your own progress and say good for those that are also doing well too.
Post by: Rhoon on February 05, 2017, 11:28:37 AM
Are a lot of people doing this as a couple? I'm amazed by how much money people are saving each month. Seems like people are regularly adding over 5k a month.
Family of 3, 1x high income earner. My monthly numbers do shoot up a bit, but it's also a reflection of savings + debt reduction which gets obscured away by just posting the net of everything.
My Jan -> Feb 2017 numbers are an unfortunate oddity due to a high bonus/commission payment, which will most likely cause the remainder of my yearly numbers to remain relatively flat. I'm taking all the tax advantaged savings I can and once I fill those pots of money up, I attack debt; which I'm hoping I can cut in 1/2 this year.
Post by: Canadian Ben on February 06, 2017, 01:56:06 AM
Are a lot of people doing this as a couple? I'm amazed by how much money people are saving each month. Seems like people are regularly adding over 5k a month.
If it makes you feel more normal, I'm only going up 2-3k month. (I include my mortgage principal repayment). I just don't put my numbers up, as I wait for the yearly, rather then monthly (since there isn't a huge change monthly... it would make it seem even longer)
Post by: Guava on February 06, 2017, 07:15:40 AM
Are a lot of people doing this as a couple? I'm amazed by how much money people are saving each month. Seems like people are regularly adding over 5k a month.
I am recently married but haven't included his numbers yet. Together we gross about 115k. Between savings and mortgage principle payment, I add between 2500-3000 per month to my net worth. Lately the market has been helping a lot too.
Post by: Mustachio Bashio on February 06, 2017, 09:34:30 AM
Post by: MrStash on February 06, 2017, 11:07:44 AM
No such mistakes going forward. With all the calculations done right, I just broke 100k NW last month.
Jan 2016 - $76,305.60
Feb 2016 - $77,709.92
Mar 2016 - $81,665.18
Apr 2016 - $83,367.03
May 2016 - $85,264.84
Jun 2016 - $90,386.10
Jul 2016 - $93,985.40
Aug 2016 - $76,869.18 - New car... I know I know.
Sep 2016 - $82,323.51
Oct 2016 - $84,265.82
Nov 2016 - $89,583.71
Dec 2016 - $95,959.42
Jan 2017 - $100,636.31
If I can keep up my projections, assuming no kids/job loss/inheritance/major promotions, my goal is to graduate from this thread by December 2019. I remember back in the day when I first started lurking around here in 2014 people who could save 50k/year seemed nuts. Keep up the good work everyone, the math behind early retirement is truly shockingly simple!
Post by: Check2400 on February 06, 2017, 12:37:11 PM
Thanks for the info, everyone. Also, really impressive how much everyone's putting away. My goal is to add about 2.2k+ a month, not including any income from investments. I should be getting a raise this year (hopefully sooner rather than later, obviously) with a promotion, so then it'll be nice to at least bump that up a bit more. Also crossing fingers and toes for a bonus, which I'm assuming I'll hear about by the end of the month.
Realize, though, that everyone here is including income from investments. Which means that if you are in the 100K club, you're going to average almost $600 more a month in interest over the course of a year. So you're almost at $3000 a month too.
Post by: Tris Prior on February 07, 2017, 02:27:57 PM
Roth: 48,328.69
E-fund: 9,680.24
Total: 152,450.00
Total 1 month ago: 146,426.95
Increase: 6,023.05
Post by: CorpRaider on February 10, 2017, 01:33:40 PM
Using marketable securities investments:
12/15 ~ $81,000
12/16 ~ $109,000
01/17 ~ $116,000
Hey, people who include home or other real estate equity, do you just use like a zestimate or tax value and reduce for transaction costs or how do you value your RE? I'm thinking I might start tracking dual figures just for FI/FU money purposes.
Post by: SGontour on February 11, 2017, 06:43:54 AM
Investments only, end of month:
Jan15 CHF 49,805
...
Jan16 CHF 78,098
...
Nov16 CHF 106,096
Dec16 CHF 103,554
Jan17 CHF 115,617
Post by: Haselbacher on February 11, 2017, 11:09:04 PM
Projected graduation date: July 2021. Let’ go!
Jan 2017 - 104.349,70 €
Feb 2017 - 107.347,94 €
Post by: Apples on February 12, 2017, 06:30:24 AM
Nov. 1 2015: $101,701.11 --- gain of $8,228.48
Dec 1 2015: $106,488.64 --- gain of $4,787.53
Jan. 1 2016: $107,709.77 --- gain of $1,221.14
Feb. 1 2016: $106,318.40 --- loss of $1,402.91
Mar. 1 2016: $108,550.55 --- gain of $2,232.15
Apr. 1 2016: $115,724.63 --- gain of $7,174.08 woohoo market swing up!
May 1 2016: $119,946.35 --- gain of $4,221.72
June 1 2016: $125,160.93 --- gain of $5,214.58
July 1 2016: $127,094.93 --- gain of $1,934.00
August 1 2016: $133,039.69 --- gain of $5,944.76
September 1 2016: $136,465.21 --- gain of $3,425.52
October 1 2016: $140,391.81 --- gain of $3,926.60
November 1 2016: $145,497.13 --- gain of $5,105.32
December 1 2016: $149,771.11 -- gain of $3,732.60
January 1 2017: $153,948.79 -- gain of $4,177.68
February 1 2017: $163,262.29 -- gain of $9,313.60 We were reimbursed for some canceled travel plans, plus our Christmas bonuses went into the savings account in January to reflect in this number. Big month!
Post by: FrugalLakes on February 13, 2017, 09:54:28 AM
I'm. Finally hit the mark to join this race. As of 11/1/16 my net worth is $101,051. Hope to hit 250k in 2.5 years.
Time for an update! 2/1/17 net worth is $109,600.
Post by: Nick_Miller on February 14, 2017, 08:51:59 AM
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
Next few months will be crazy balance sheet-wise with selling a house and buying a new one and all the associated costs. Still hope to keep moving forward though!
Post by: facepalm on February 14, 2017, 09:30:12 PM
EDIT: I was able to find my NW data in Mint. Here is last years progress:
Jan-16 23,769
Feb-16 37,777
Mar-16 36,324
Apr-16 36,503
May-16 38,348
Jun-16 45,604
Jul-16 43,749
Aug-16 46,696
Sep-16 47,970
Oct-16 92,135
Nov-16 120,118
Dec-16 119,694
Jan-17 123,913
My goal is to get to 200K by the end of the year.
Cheers!
Post by: mrshudson on February 16, 2017, 05:51:00 AM
Feb 2015 - $ 97,000
Mar 2015 - $106,000
Apr 2015 - $108,000
May 2015 - $114,000
June 2015 - $ 117,000
...
April 2016 - $145,000
January 2017: 190,000
I probably will be there in a year, less if I continue saving in the aggressive mode that I'm in these last few months.
Post by: Enough on February 20, 2017, 10:40:42 AM
Slow and Steady
Jan-15 $103,510
Feb-15 $104,580
Mar-15 $113,223
Apr-15 $118,072
May-15 $122,214
Jun-15 $124,279
Jul-15 $126,969
Guessing that I'll hit it March 2018.
Aug-15 $121,517
Sep-15 $119,105
Oct-15 $130,210
Nov-15 $139,276
Dec-15 $142,945
Jan-16 $142,996
Feb-16 $145,610
Mar-16 $161,315
Apr-16 $161,141
May-16 $181,902
New estimate is Dec 2017 (rather than March 2018)
Jun-16 $185,289
Jul-16 $182,691
Aug-16 $196,373
Sep-16 $207,180
Recent gains are mostly real estate investment that wont be income producing for 3-6 months, so I don't expect this rate of growth to continue. Estimate on 250k timeline is still ~late 2017.
Oct-16 $208,696.97
Nov-16 $215,053.79
Dec-16 $224,049.49
Jan-17 $230,337.25
Feb-17 $247,801.30
Feb-17 $251,409.30 (Inc. estimated tax return)
Tax return should be deposited on Wednesday - which will bump me over the 250k edge!
It's interesting looking back how far my original estimate was off. Took ~22 months from my first post in July 2015 rather than the 34 months I had projected. The two factors in the difference between the actual and projection:
1. Gains from real estate were not included in the projection.
2. The recent stock market gains were not expected.
Cool beans.
Post by: afuera on February 20, 2017, 10:44:28 AM
Oct-16 $208,696.97Congrats!
Nov-16 $215,053.79
Dec-16 $224,049.49
Jan-17 $230,337.25
Feb-17 $247,801.30
Feb-17 $251,409.30 (Inc. estimated tax return)
Tax return should be deposited on Wednesday - which will bump me over the 250k edge!
It's interesting looking back how far my original estimate was off. Took ~22 months from my first post in July 2015 rather than the 34 months I had projected. The two factors in the difference between the actual and projection:
1. Gains from real estate were not included in the projection.
2. The recent stock market gains were not expected.
Cool beans.
Post by: facepalm on February 22, 2017, 06:20:35 PM
Jan 2015 - $94,000
Feb 2015 - $ 97,000
Mar 2015 - $106,000
Apr 2015 - $108,000
May 2015 - $114,000
June 2015 - $ 117,000
...
April 2016 - $145,000
January 2017: 190,000
I probably will be there in a year, less if I continue saving in the aggressive mode that I'm in these last few months.
Nice work!
Post by: brute on February 23, 2017, 10:00:25 AM
2014-1-1: $60k
2015-1-1: $92k
2016-1-1: $125k
2016-12-2: $187,320
2017-1-1: $202,158
2017-2-23: $209k
Post by: t5inside on February 24, 2017, 08:38:04 AM
...
May-16 $177,354.00
Jun-16 $183,866.00
Jul-16 $195,548.00
Aug-16 $204,734.00
Time to update!
Sep-16 $212,181.00
Oct-16 $209,160.00 (Mortgage refi from 30/3.625% to 15/2.5%)
Nov-16 $218,918.00
Dec-16 $227,348.00
With bonus season coming, hopefully by end of February I'll be moving on to the next phase.
Happy new year, all.
Time for my final update. Jumping the gun a tiny bit since my paycheck doesn't hit until Tuesday, but I know the amounts :)
Jan-17 $240,822.00
Feb-17 $251,681.00
See you all in the next thread!
Post by: kickel on February 24, 2017, 01:24:02 PM
Finally made it into this thread! I'm amazed at how much some of you guys are able to put away each month. Is it high income, dual income, market return. Either way I'm jealous. Well here is my starting point, with no home equity.
8/8/16: $101,750
I may have skipped a few months of posting, but It's time to get back on track.
2/24/17: $110,773
Post by: Imustacheyouaquestion on February 27, 2017, 07:24:21 AM
Sept 2016 $106,084.00
Oct 2016 $107,559.00
Nov 2016 $103,227.00
Dec 2016 $107,460.00
Jan 2016 $111,400.00
Feb 2016 $145,239.58
Big jump this month after combining finances with my wife, including her student loans and retirement accounts. Combining finances was honestly pretty tedious - so much double-checking things we both had on autopay, changing direct deposits, etc. But it's a good chance to review our spending priorities and goals. We have a major budget review planned for this weekend now that our new joint system should be fully in place.
Post by: Guava on February 27, 2017, 08:48:18 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 2016 $111,400.00
Feb 2016 $145,239.58
Big jump this month after combining finances with my wife, including her student loans and retirement accounts. Combining finances was honestly pretty tedious - so much double-checking things we both had on autopay, changing direct deposits, etc. But it's a good chance to review our spending priorities and goals. We have a major budget review planned for this weekend now that our new joint system should be fully in place.
I have been married for nearly six months and still haven't even attempted this. It is daunting to think about. Good for you for doing it!
Post by: JLee on February 27, 2017, 10:21:16 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 $123,231.73Code: [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 $193,782.16Code: [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
Holy shit. I've felt like I've been spending money like water this month, too (moved to a different apartment and bought a fair amount of kitchen and cleaning supplies). My annual profit sharing bonus came in ($10k pre-tax, ~$6k post-tax) which helped, but that wasn't even half of the growth. I feel like I may be getting to the point where market gains start to eclipse work gains!
Post by: marcela on February 28, 2017, 07:19:33 AM
Hello! I just graduated from the 100k board on Oct- 31st I thought I would mosey over here. I'm married, 28 years old and my husband is currently finishing up school. Total household income is 56k. We rent and have no outstanding debt. Worth of our single car is not included in the calculations.
Background on net worth:
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
11/17/2016: $103,940
12/30/2916: $109,785.19
1/31/2017: $112,318.74
2/28/2017: $119,499.39
Tax refund hit plus market gains. I have some outstanding work reimbursements that will boost next month together with it being a 3 paycheck month.
Post by: mrteacher on February 28, 2017, 09:43:53 AM
2/1: $91,959
3/1: $93,145
4/1: $100,869
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
10/1: $124,626
11/1: $126,949
12/1: $132,846
1/1/17: $141,336
2/1/17: $145,890
3/1/17: $152,308
Man, it's been a fun few months of market gains!
Post by: tarheeldan on February 28, 2017, 10:03:53 AM
Feb-17 $251,409.30 (Inc. estimated tax return)
Congratulations!!
Post by: tarheeldan on February 28, 2017, 10:04:47 AM
Feb-17 $251,681.00
See you all in the next thread!
Congratulations!!!
Post by: afuera on February 28, 2017, 10:23:27 AM
2/1/2015: $14,385.00
3/1/2015: $23,410.26
4/1/2015: $26,035.00
5/1/2015: $40,351.00
6/1/2015: $45,024.00
7/1/2015: $49,653.00
8/1/2015: $55,698.00
9/1/2015: $64,143.00
10/1/2015: $69,752.00
11/1/2015: $73,258.00
12/1/2015: $78,264.00
1/1/2016: $85,216.00
2/1/2016: $108,561.00
3/1/2016: $120,587.00
4/1/2016: $126,840.00
5/1/2016: $141,235.00
6/1/2016: $158,354.00
7/1/2016: $163,000.00
8/1/2016: INV-$$91,234.65 NW-$189,193.00
9/1/2016: INV-$$93,526.67 NW-$172,000.00
10/1/2016: INV-$$95,922.07 NW-$175,024.00
11/1/2016: INV-$$97,640.51 NW-$179,773.00
12/1/2016: INV-$101,914.22 NW-$180,032.02
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
Moved some money around from savings to investments this month in order to max last years IRAs.
Loaned some $ to BIL in order to help him through a tough spot but the market pretty much made up for it and we saw the same NW increase as last month.
Post by: facepalm on February 28, 2017, 10:46:43 AM
Feb-16 37,777
Mar-16 36,324
Apr-16 36,503
May-16 38,348
Jun-16 45,604
Jul-16 43,749
Aug-16 46,696
Sep-16 47,970
Oct-16 92,135
Nov-16 120,118
Dec-16 119,694
Jan-17 123,913
Feb-17 132,459 (a 6.9% increase)
Funded my new 403(b) with Vanguard, and next month my contribution to my 457(b) will begin. I'll be contributing the max to both ($48,000) as well as my ROTH IRA. I'm very lucky to be able to have both type of accounts, as my school district gives us the option of either/both types of account. I may also be able to sock away another 3K per year into my 403(b) since I have been at my job over 15 years. All told, I'll be saving 66% of my gross pay. I'm renting and live a mile from work, so that helps. Looking back over the year, I can see there were months where I did not have my spending under control. This month I think I finally go it figured out.
Cheers!
Post by: easternblockbabe on February 28, 2017, 02:46:39 PM
retirement total non-equity
July 28 2016: $150,359 $204,445
Aug 26 2016: $152,086 $213,655
Sept 30 2016: $156,721 $214,248
Oct 28 2016: $154,857 $210,419
Dec 1 2016: $158,555 $217,706
Dec 31 2016: $167,738 $219,839
Jan 29 2017: $173,756 $223,428
Feb 28, 2017: $179,476 $231,188
Post by: SeattleStache on February 28, 2017, 05:00:28 PM
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)
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.
Post by: CmFtns on February 28, 2017, 07:30:11 PM
2015
Apr $12,466.69
2017
Feb $103,330.77
took almost 2 years to go from $10k-$100k excited to be working toward $250k now =)
Post by: tarheeldan on February 28, 2017, 07:43:55 PM
just came over from $10k-$100k thread.
Welcome!
Post by: SpareChange on March 01, 2017, 12:11:42 AM
just came over from $10k-$100k thread.
Come on in!
February: Up $10,405.35 to $164,576.96. Best month yet!
Post by: ohyonghao on March 01, 2017, 12:50:14 AM
May 2015: $100,323.89
June 2015: $106,433.29
July 2015: $114,450.69
August 2015: $118,018.27
September 2015: $121,664.35
October 2015: $132,652.87
November 2015: $138,272.53
December 2015: $144,824.70
January 2016: $149,731.88
February 2016: $159,138.30
March 2016: $172,089.61
April 2016: $177,924.11
May 2016: $182,266.37
June 2016: $195,382.39
July 2016: $207,370.73
August 2016: $210,598.32
September 2016: $211,858.91
October 2016: $217,642.90
November 2016: $219,133.69
December 2016: $195,225.97
January 2017: $194,385.56
February 2017: $203,588.68
Nice market gains making up half our increase and our state tax return came in. The federal one comes in tomorrow, just in time to kick March off to a great start. My new job has been going well, and my 401k contributions have started up. After selling the house we've been a little flush with non retirement money which has really helped with maxing out our tax returns. We effectively had a negative tax due to subsidies for health care while we were on ACA last year. Our goal this year is to max out all retirement accounts and HSA, which will be easy with having plenty of proceeds from the house still, though our income may just barely squeak by without dipping into that.
Post by: Mustachio Bashio on March 01, 2017, 04:42:51 AM
March 1st - 177,448
Not really sure how it went up that much...moved over 1.2 I realized I had in a Paypal account that I didn't remember existing, but otherwise, thank you market.
Post by: MichaelB on March 01, 2017, 04:50:55 AM
Up to 112k. Here's everything from when I started tracking this, back to the end of February 2016 (including investments, cash, home equity, debt, and mortgage):
Feb 29: $79,516.82
March 31: $83,734.70
April 30: $87,137.39
May 31: $89,555.65
June 30: $93,641.14
July 31: $101,134.66
Aug 31: $104,093.75
Sept 30: $105,485.80
Oct 31: $109,245.15
Nov 30: $107,889.49
Dec 31: $112,056.39
Discovered MMM April or May. $32k gain in less than a year! It would be cool to go up $50k in 2017, but it will be a challenge with my first baby coming in April.
Jan 31 2017: $118,069.75
Feb 28 2017: $122,510.00
Post by: Pooplips on March 01, 2017, 05:33:18 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
Post by: Guava on March 01, 2017, 06:13:08 AM
February 2017: $172,043
Post by: turketron on March 01, 2017, 09:43:54 AM
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
Post by: Check2400 on March 01, 2017, 10:02:45 AM
Jan 1, 2017 - 103,000
Feb. 1, 2017 - 106,500
Mar. 1 2017 - 102,500
Went down 4 grand due to putting earnest money down on a new, overpriced, HCOL house. Option period ends Monday, so we'll see if the payment comes back or I am buying my noose. :)
Very scary to take on the mortgage, but my FIRE plans include sitting on my back porch drinking coffee and not doing much, and this house is perfect for that end result, and also the in-between years for my kid's education.
Other news is that my 401K distributions for all of 2017 still haven't been deposited. We switched plans Jan. 1, so I'm not begrudging the delay too much, except for the 5% gains I would have seen in 2 months! Whenever those get deposited I'll be back up $3000.
[linking this below so I remember to update when I come back]
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Post by: tarheeldan on March 01, 2017, 10:22:59 AM
February: Up $10,405.35 to $164,576.96. Best month yet!
Very nice!!
I had a killer month as well, up $11,173.23 or 7.87% to $153,177.46. Along with the market, helped by:
- Tax return
- Late Christmas gift
- Elective employer contribution to 401(k)
Post by: Woodro85 on March 01, 2017, 11:32:10 AM
October 1, 2016 - $109,535.81 +$4,913
November 1, 2016 - $113,963.46 +$4,427
December 1, 2016 - $119,134.90 +$5,171
January 1, 2017 - $125,515.94 +$6,381
February 1, 2017 - $128,723.53 +$3,207
March 1, 2017 - $133,798.59 +$5,075
Moving along nicely. Lowered my emergency fund and cash position to pay off debt the last two months, which I'm happy to report are all paid back (other than mortgage). Next goal is to fill up all my non-taxable accounts! Will also get a good bump in the next month or two from a tax return of a few thousand dollars.
Post by: richmadethis on March 01, 2017, 01:37:52 PM
01/02/16 : 71010
01/03/16 : 73416
01/04/16 : 74102
01/05/16 : 77079
01/06/16 : 79954
01/07/16 : 80915
01/08/16 : 84609
01/09/16 : 87883
01/10/16 : 90308
01/11/16 : 92726
01/12/16 : 95496
01/01/17 : 97661
----------------------
01/02/17 : 101,101
01/03/17 : 104,109
Steady and positive progress, can't complain :)
Post by: CorpRaider on March 01, 2017, 01:47:17 PM
12/15 ~ $81,000
12/16 ~ $109,000
01/17 ~ $116,000
02/17 ~ $122,000
Post by: MrStash on March 01, 2017, 03:45:10 PM
$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
Solid increase thanks to market gains. Don't anticipate this to last much longer but who knows. Maybe it will. If we knew we wouldn't be indexing!
Post by: babystache89 on March 01, 2017, 09:49:13 PM
10/1/16: $220,000
11/1/16: $232,000
12/1/16: $234,500
1/1/17: $238,500
2/1/17: $245,000
3/1/17: $254,000
Whelp I made it! Looking forward to seeing you all in the next thread!
Post by: RetireGermane on March 02, 2017, 02:15:37 AM
A little update
everything according to the plan: only short running bonus certificates (1 to 2 months) on the german index DAX, no stocks.
No liabilities + a paid Appartment (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€
Planned Graduation Date 250k: Sept 2021
Happy Investing
Post by: BabyShark on March 02, 2017, 07:29:11 AM
Nov. 15: $103,463
Dec. 15: $109,862
Jan. 16: $114,293
Feb. 16: $124,766
Mar. 16: $136,142
Apr. 16: $140,522
May 16: $144,147
Jun. 16: $152,640
Jul. 16: $161,645
Aug. 16: $168,482
Sep. 16: $173,114
Oct. 16: $179,250
Nov. 16: $182,855
Dec. 16: $192,675 (woohoo bonus time!)
Jan. 17: $198,285
Feb. 17: $205,469
Was super excited yesterday to cross the $200k mark, took me about 16 months to get that $100k growth, hoping to hit $250k in around another six, but part of that may require the markets to cooperate.
Post by: tarheeldan on March 02, 2017, 08:07:21 AM
3/1/17: $254,000
Whelp I made it! Looking forward to seeing you all in the next thread!
Congratulations!!!!
Post by: macleod7066 on March 02, 2017, 10:09:46 AM
March 2 2017 - 111399
Post by: Blahhhh456 on March 02, 2017, 12:18:32 PM
Jan 1, 2016 - $81,396
Oct 1, 2016 - $122,943
Jan 1, 2017 - $128,893
Mar 1, 2017 - $151,772 - Fully funded IRA for 2017 and decided (finally) to open Investment Account in mid-January.
Daycare starts this month, so I am sure my rate of investing will go down dramatically. Here is to five years of investing in the little one and not our retirement. Oh, what I could do with $15K per year.
Post by: Slinky on March 03, 2017, 02:13:08 PM
-----------------------
Dec 2016 - $101,671
Jan 2017 - $105,278 (+3,607)
Feb 2017 - $111,155 (+5,877)
Mar 2017 - $116,248 (+5,093)
About $2k in 401k and Roth IRA contributions, the rest is all market. Our big restoration project was finally completed this week so I should be able to focus on maxing out my Roth next.
Post by: indentured4now on March 03, 2017, 07:52:57 PM
End of Nov update: 110K thanks to quarterly divys and $300 in cash saved. Slow and steady...
Been MIA on the challenge for awhile so checking in as of end of Feb... 112K for this challenge... Building the after tax stache account while saving for a roof replacement at the same time sucks, but still growing nonetheless.
Post by: nathan01xl on March 03, 2017, 11:51:12 PM
Making great progress so far. Relocated for work in January and received a bonus and raise.
Month Ending:
Feb 2016 - $49,164
March 2016 - $62,581
April 2016 - $66,697
May 2016 - $71,586
June 2016 - $76,413
July 2016 - $83,499
August 2016 - $88,924
September 2016 - $95,816
October 2016 - $99,624
November 2016 - $106,957
December 2016 - $114,443
January 2017 - $127,417
February 2017 - $138,224
Post by: Haselbacher on March 04, 2017, 09:08:27 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 €
Post by: Apples on March 05, 2017, 05:43:39 AM
Nov. 1 2015: $101,701.11 --- gain of $8,228.48
Dec 1 2015: $106,488.64 --- gain of $4,787.53
Jan. 1 2016: $107,709.77 --- gain of $1,221.14
Feb. 1 2016: $106,318.40 --- loss of $1,402.91
Mar. 1 2016: $108,550.55 --- gain of $2,232.15
Apr. 1 2016: $115,724.63 --- gain of $7,174.08 woohoo market swing up!
May 1 2016: $119,946.35 --- gain of $4,221.72
June 1 2016: $125,160.93 --- gain of $5,214.58
July 1 2016: $127,094.93 --- gain of $1,934.00
August 1 2016: $133,039.69 --- gain of $5,944.76
September 1 2016: $136,465.21 --- gain of $3,425.52
October 1 2016: $140,391.81 --- gain of $3,926.60
November 1 2016: $145,497.13 --- gain of $5,105.32
December 1 2016: $149,771.11 -- gain of $3,732.60
January 1 2017: $153,948.79 -- gain of $4,177.68
February 1 2017: $163,262.29 -- gain of $9,313.60
March 1 2017: $169,266.73 -- gain of $6,004.44 January had 5 paychecks, so extra went in savings, which made this a better-than-average month.
Post by: SGontour on March 05, 2017, 06:14:43 AM
Jan15 CHF 49,805
...
Jan16 CHF 78,098
...
Nov16 CHF 106,096
Dec16 CHF 103,554
Jan17 CHF 115,617
Feb17 CHF 118,446
Post by: RetireGermane on March 06, 2017, 02:37:12 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 €
A head to head race ;)
My Planned Graduation Date 250k: Sept 2021
Post by: Cornel_Westside on March 06, 2017, 06:19:11 PM
Right now I'm at net worth of $130,500. I'm seeing lots of people regularly adding nearly 10k a month. That impresses me - I'll be attempting a rate of more like 2500 a month. But I am still getting used to this and there are plentiful opportunities to save money.
So for now:
03/2017 - $130,500
Post by: JLee on March 06, 2017, 07:05:36 PM
I should get in on this and get myself more motivation to race.
Right now I'm at net worth of $130,500. I'm seeing lots of people regularly adding nearly 10k a month. That impresses me - I'll be attempting a rate of more like 2500 a month. But I am still getting used to this and there are plentiful opportunities to save money.
So for now:
03/2017 - $130,500
I'm averaging $6k/mo in net worth growth, but I am not contributing nearly that much. Investment gains are a sizable portion.
Post by: CorpRaider on March 07, 2017, 08:40:16 AM
I'm seeing lots of people regularly adding nearly 10k a month. That impresses me - I'll be attempting a rate of more like 2500 a month. But I am still getting used to this and there are plentiful opportunities to save money.
Ditto. Sort of try to soothe myself by noting that people marking their real estate to market and running 4 or 5 to 1 leverage are not superb comps for me. I think there are at least a few of those in the thread.
Post by: TheAnonOne on March 07, 2017, 08:43:39 AM
A decent amount of people here are married professionals as well with incomes in the 150k+ range and legitimately HAVE 10k left over (or close + market returns)I'm seeing lots of people regularly adding nearly 10k a month. That impresses me - I'll be attempting a rate of more like 2500 a month. But I am still getting used to this and there are plentiful opportunities to save money.
Ditto. Sort of try to soothe myself by noting that people marking their real estate to market and running pretty big leverage are not superb comps for me.
Sent from my SM-G935T using Tapatalk
Post by: JLee on March 07, 2017, 09:09:31 AM
A decent amount of people here are married professionals as well with incomes in the 150k+ range and legitimately HAVE 10k left over (or close + market returns)I'm seeing lots of people regularly adding nearly 10k a month. That impresses me - I'll be attempting a rate of more like 2500 a month. But I am still getting used to this and there are plentiful opportunities to save money.
Ditto. Sort of try to soothe myself by noting that people marking their real estate to market and running pretty big leverage are not superb comps for me.
Sent from my SM-G935T using Tapatalk
Yep - they don't spend much time in the 100-250k thread, though. :P
Post by: TheAnonOne on March 07, 2017, 09:11:48 AM
True, I'm sitting at 409 myself now. Though, 100 to 250 still took 2ish YEARS even with that kind of income. Though, we moved, got married (spendy wedding) and generally got life setup so we probably doubled our time in this thread 'zone' (I don't remember if I was posting here back then...)A decent amount of people here are married professionals as well with incomes in the 150k+ range and legitimately HAVE 10k left over (or close + market returns)I'm seeing lots of people regularly adding nearly 10k a month. That impresses me - I'll be attempting a rate of more like 2500 a month. But I am still getting used to this and there are plentiful opportunities to save money.
Ditto. Sort of try to soothe myself by noting that people marking their real estate to market and running pretty big leverage are not superb comps for me.
Sent from my SM-G935T using Tapatalk
Yep - they don't spend much time in the 100-250k thread, though.
Sent from my SM-G935T using Tapatalk
Post by: JLee on March 07, 2017, 09:36:00 AM
True, I'm sitting at 409 myself now. Though, 100 to 250 still took 2ish YEARS even with that kind of income. Though, we moved, got married (spendy wedding) and generally got life setup so we probably doubled our time in this thread 'zone' (I don't remember if I was posting here back then...)A decent amount of people here are married professionals as well with incomes in the 150k+ range and legitimately HAVE 10k left over (or close + market returns)I'm seeing lots of people regularly adding nearly 10k a month. That impresses me - I'll be attempting a rate of more like 2500 a month. But I am still getting used to this and there are plentiful opportunities to save money.
Ditto. Sort of try to soothe myself by noting that people marking their real estate to market and running pretty big leverage are not superb comps for me.
Sent from my SM-G935T using Tapatalk
Yep - they don't spend much time in the 100-250k thread, though.
Sent from my SM-G935T using Tapatalk
That's not truly $10k/mo left over after expenses, then. ;)
Last year I made around 105k (factoring in net rental profit). Net worth went up $75k in that same year, and I froze property value earlier in the year because I don't trust zillow/etc to give me an accurate reading. I spend a lot compared to many mustachians (and live ~7 miles outside of Manhattan, so not a LCOL area by any stretch) and still somehow my net worth is skyrocketing faster than I ever thought possible. Once the ball gets rolling, it's pretty awesome to watch!
Post by: Mazzinator on March 08, 2017, 05:20:31 PM
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
I actually have ~$220k investments, $10k cash and ~$50k low interest debt. So my number seems to grow fast because my investments are bigger than my net worth. I also have an unusual year/life and things will slow down come summer.
Post by: Haselbacher on March 09, 2017, 09:54:19 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 €
A head to head race ;)
My Planned Graduation Date 250k: Sept 2021
This race is on!!! ;)
Viele Grüße in die Heimat!!
Post by: tomita on March 11, 2017, 07:39:07 PM
11 march 2017 $113,000
**projected graduation date to 250K...summer 2019
Post by: ranchingretirement on March 13, 2017, 07:38:52 PM
2013
July $14,992
2016
Dec $100,665
It took me and my wife over 3 years to go from $10k-$100k...excited to be working toward $250k now.
1.1.2017: $109,099
2.1.2017: $112,920
3.1.2017: $113,923
My wife just started working full-time again, and with another promotion in sight, we should really be able to crank up the savings rate in 2017 & 2018.
Projected date for $250k in net worth: September 2018
Post by: tarheeldan on March 13, 2017, 08:12:29 PM
Coming over from the $10k-$100k thread.
came over from $10k-$100k thread.
Welcome!
Btw, we have a spreadsheet going for this one too:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=drivesdk
Post by: turning_hapanese on March 14, 2017, 03:14:17 PM
July 2014 - $96,458
July 2015 - $130,095
July 2016 - $138,021
Today - $142,623
Projected graduation date: ??? Not sure the best way to calculate this.
Post by: Canadian Ben on March 14, 2017, 11:50:51 PM
Take the invested stash + monthly contributions X return values (anywhere between 4-10%) and then continue until your stash hits 250,000 in an excel sheet. (if you are counting other things, like mortgage repayment, just add the payments and separate it from the multiplication of the investment returns.
Update for me: 127,000. Hoping to double within 3 years!
Post by: Apostrophe on March 15, 2017, 11:46:27 AM
Nov-16 $229,109
Dec-16 $232,346
Jan-17 $235,346
Feb-17 $239,451
Mar-17 $246,040
Maybe another month for me?
Post by: dystopic on March 16, 2017, 01:18:27 AM
$156,970.56
Post by: Tris Prior on March 16, 2017, 11:39:56 AM
401k: $98,235.91
Roth: $51,149.68
E-fund: 9,866.51
Total: 159252.10
Total 1 month ago: 152,450.00
Increase: 6,802.10
Post by: Nick_Miller on March 17, 2017, 06:07:25 PM
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
The reduction is due mostly to real estate agent fees and other transaction costs with our new home purchase. Most of that is behind us now, with just one more project set for April. We should be back to $150,000-ish by May or so.
Post by: steveo on March 27, 2017, 06:13:24 PM
2016-08-01 102
2016-10-01 110
2016-12-31 138
2017-03-31 162
I tell you something - this is a painful process. It happens but I want it to happen a bit more quickly.
Post by: JustGettingStarted1980 on March 28, 2017, 06:05:05 AM
Date format is yyyy-mm-dd.
2016-08-01 102
2016-10-01 110
2016-12-31 138
2017-03-31 162
I tell you something - this is a painful process. It happens but I want it to happen a bit more quickly.
Just think about how much of your life it took to get to 100K, and then think about how much less time it is taking for you to get to 200K. Better yet, graph it for us and post!
JGS
Post by: JLee on March 28, 2017, 11:38:57 AM
Date format is yyyy-mm-dd.
2016-08-01 102
2016-10-01 110
2016-12-31 138
2017-03-31 162
I tell you something - this is a painful process. It happens but I want it to happen a bit more quickly.
$90k/yr growth is nothing to laugh at!
Post by: marcela on March 28, 2017, 11:42:22 AM
Date format is yyyy-mm-dd.
2016-08-01 102
2016-10-01 110
2016-12-31 138
2017-03-31 162
I tell you something - this is a painful process. It happens but I want it to happen a bit more quickly.
$90k/yr growth is nothing to laugh at!
Seriously, that's more than my gross household income!
Post by: SpareChange on March 28, 2017, 12:05:13 PM
Date format is yyyy-mm-dd.
2016-08-01 102
2016-10-01 110
2016-12-31 138
2017-03-31 162
I tell you something - this is a painful process. It happens but I want it to happen a bit more quickly.
$90k/yr growth is nothing to laugh at!
Seriously, that's more than my gross household income!
Lol, mine too!
Post by: steveo on March 28, 2017, 02:42:46 PM
1. I own my house which is worth say 1.3 million.
2. I have retirement funds which can't be accessed until I'm 60 of about $300k.
3. It's all in Aussie Dollars.
4. We save about 70% of our income.
5. I'm 43 & my wife is 40.
6. I think once I get to $400k outside of super I could retire. I might go to $500k but it's not something that I think is really critical. Basically we are really really close.
7. If I could convince the wife to sell the crazily expensive house and relocate we could retire now.
I'm only tracking my outside retirement funds in this thread beacuse those figures are the key ones for me to retire.
It's a drag waiting for the money to build up to retire. It's freaken painful. I am looking to retire in 2020 at this point but even that amount of time sucks at the moment. I've basically given up caring about work.
Post by: SeattleStache on March 28, 2017, 03:26:49 PM
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.
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.
Post by: CorpRaider on March 29, 2017, 06:29:00 AM
12/15 ~ $81,000
12/16 ~ $109,000
01/17 ~ $116,000
02/17 ~ $122,000
03/17 ~ $125,000
Post by: facepalm on March 31, 2017, 05:05:00 AM
Feb-16 37,777
Mar-16 36,324
Apr-16 36,503
May-16 38,348
Jun-16 45,604
Jul-16 43,749
Aug-16 46,696
Sep-16 47,970
Oct-16 92,135
Nov-16 120,118
Dec-16 119,694
Jan-17 123,913
Feb-17 132,459 (6.9% increase)
Mar-17 138,942 (4.9% increase)
About what I expected. Spent a little more than anticipated, but managed to keep my expenses close to my budget. This month I'm funding my 457(b) for the first time, so that helps with my my net increase. Market saw no huge gains, but did mange to sock away another $5,000 into my brokerage account, and had some dividends.
And I was finally able to calculate my savings rate. With my two retirement accounts plus my pension contribution of $792/month, my savings rate is 71%. I'm not counting my employer contribution.
Goal going forward is to stick to budget.
All in all, not a bad month.
Post by: Imustacheyouaquestion on March 31, 2017, 09:17:23 AM
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
Google doc link: https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Tax refunds helped pad this month's numbers! Need to adjust our withholdings for next year, once my wife moves to her new job. Upcoming big expenses: buying a house (closing costs, etc) and hopefully a honeymoon in the next six months.
Post by: kickel on March 31, 2017, 10:22:34 AM
Finally made it into this thread! I'm amazed at how much some of you guys are able to put away each month. Is it high income, dual income, market return. Either way I'm jealous. Well here is my starting point, with no home equity.
8/8/16: $101,750
I may have skipped a few months of posting, but It's time to get back on track.
2/24/17: $110,773
3/31/17: $115,783
Post by: ohyonghao on March 31, 2017, 12:53:46 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
Google doc link: https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Tax refunds helped pad this month's numbers! Need to adjust our withholdings for next year, once my wife moves to her new job. Upcoming big expenses: buying a house (closing costs, etc) and hopefully a honeymoon in the next six months.
I had found at one point a very thorough excel sheet for calculating withholding. Actually, now that I think about it, my brains a bit foggy and either I wrote one to autocalculate based on a W4 and the sheet was for payroll taxes, or my original statement is correct. I have not had to do this for dual income though, which may make it more difficult.
Post by: marcela on March 31, 2017, 02:24:20 PM
Hello! I just graduated from the 100k board on Oct- 31st I thought I would mosey over here. I'm married, 28 years old and my husband is currently finishing up school. Total household income is 56k. We rent and have no outstanding debt. Worth of our single car is not included in the calculations.
Background on net worth:
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
11/17/2016: $103,940
12/30/2916: $109,785.19
1/31/2017: $112,318.74
2/28/2017: $119,499.39
3/31/2017: $124,640.83
Post by: JLee on March 31, 2017, 03:47:05 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 $123,231.73Code: [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 $193,782.16Code: [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
This was an absurdly expensive month. Hopefully next month will be better - I had a few large one-time (or once in a long while) purchases hit simultaneously.
Post by: turketron on March 31, 2017, 11:56:46 PM
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
Post by: aneel on April 01, 2017, 06:55:41 AM
Post by: SGontour on April 01, 2017, 08:03:37 AM
Jan15 CHF 49,805
...
Jan16 CHF 78,098
...
Nov16 CHF 106,096
Dec16 CHF 103,554
Jan17 CHF 115,617
Feb17 CHF 118,446
Mar17 CHF 138,472
Post by: Canadian Ben on April 01, 2017, 08:16:29 AM
Oct/16 77000
Nov/16 82700
Dec/16 93200
Jan/16 103,720
Feb/16 119,800
Mar/16 127,400
Apr/16 140,376
If only my numbers were always this quick, I'd be FI in less than 4 years...
Post by: Pizzabrewer on April 01, 2017, 09:18:21 AM
We couldn't save a dime until recently. Well, actually, my wife faithfully contributed to her 401k throughout the years and it accounted for almost 2/3 of our NW at the beginning of the year. We also started 2017 with small amounts in IRAs and her HSA. Actual positive cash position is a brand-new concept for us.
Now we're saving like bandits. Most of it goes into index funds but I also have some non-Mustachian money in a single stock that has done well and I expect to continue to do well with a huge upside potential. It's a fairly big bet, about 15% of our NW, but hey. I'll take the facepunches on this one.
So our numbers (includes home equity of roughly $26k):
2017
Jan 1: $170,881
Feb 1: $183,768
Mar 1: $197,020
Apr 1: $207,614
I sure hope this trend continues.
Post by: tarheeldan on April 01, 2017, 09:34:34 AM
So in the last 3 years we have completely turned around our financial situation....
...Now we're saving like bandits.
Yes you are! Awesome!
Congrats all on their progress!
I had to pay the dentist a couple of visits and pay for boarding for my dog during a business trip this month, which slowed things down a bit. Still, up 2.86% or $4,377.30 in March to $157,554.50.
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Post by: Mustachio Bashio on April 01, 2017, 11:41:11 AM
March 1st - 177,448
April 1st - 183,917
Happy to see so much growth considering I spent most of March in New Zealand doing expensive adventure type things like ice climbing, hang gliding, and scuba diving. I'm not sure if I had been including my new HSA before since I have to now manually update it in Personal Capital, but that probably bumped up the number by a bit over $1k. Also received a minor bonus. Have to buy some expensive things this month such as plane tickets, rental car, hotel, and gifts for two out of state weddings happening over memorial day weekend, plus lift tickets for the 2017-2018 ski season, but that's hopefully it for weddings this year. At this rate, it looks like I'll definitely be able to get to 200k by the end of the year if the market holds up, which is pretty exciting.
Post by: SpareChange on April 01, 2017, 12:05:56 PM
Post by: Guava on April 01, 2017, 01:28:11 PM
January 2017: $165,806
February 2017: $172,043
March 2017: $177,204
I have beven saying wow every month lately it seems. Net worth keeps increasing by more than my take home pay.
Post by: facepalm on April 02, 2017, 09:15:56 AM
Date format is yyyy-mm-dd.I hear ya . . . I am Jonesin' to get to 150K right now.
2016-08-01 102
2016-10-01 110
2016-12-31 138
2017-03-31 162
I tell you something - this is a painful process. It happens but I want it to happen a bit more quickly.
Post by: Erma on April 02, 2017, 12:08:50 PM
Post by: Gardo on April 02, 2017, 12:34:36 PM
Mine will be slow since my 401K does not allow to select stocks or commodities like gold. It's either bonds or mutual funds, or combination.
Starting at $100K.
Post by: Haselbacher on April 02, 2017, 09:19:35 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 €
Post by: Radagast on April 02, 2017, 09:29:51 PM
Joining in the race.Erm... What's wrong with mutual funds? I assume those invest in stocks...
Mine will be slow since my 401K does not allow to select stocks or commodities like gold. It's either bonds or mutual funds, or combination.
Starting at $100K.
Post by: Radagast on April 02, 2017, 09:45:36 PM
Q3 2016: $112,200 $165,800
Q4 2016: $124,300 $178,500
Q1 2017: $148,300 $203,300
Cruising along... Looks like I still have five quarters left in this race... ouch! 'course, eventually my wife might finish school and get a job, that would speed things up. I found some savings bonds that I was not previously including. I also found and rolled over an ancient 403b from back in my internship days. I simplified the spreadsheet, so it no longer tracks % cash/bonds.
Post by: Radagast on April 02, 2017, 09:52:57 PM
SoCal uses €... finally.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 €
Post by: RetireGermane on April 03, 2017, 01:01:06 AM
Congrats babystache89, see you in a few years ;)
A little update
everything according to the plan: only short running bonus certificates (1 to 2 months) on the german index DAX, no stocks.
No liabilities + a paid Appartment (approx. 300,000€)
Invested Assets+ Cash Account:
1/1/2016 Jan: 64,400€
1/1/2017 Jan: 104,000 €
2/1/2017 Feb: 105,00 0€
3/1/2017 Mar: 107,000 €
Planned Graduation Date 250k: Sept 2021
Happy Investing
4/1/2017 Apr: 110,000 € some Dentist Costs
Post by: Pooplips on April 03, 2017, 05:07:58 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
Post by: mrteacher on April 03, 2017, 08:32:50 AM
2/1: $91,959
3/1: $93,145
4/1: $100,869
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
10/1: $124,626
11/1: $126,949
12/1: $132,846
1/1/17: $141,336
2/1/17: $145,890
3/1/17: $152,308
4/1/17: $155,552
A more modest month after the market's hot start to 2017. I'm certainly pleased as punch to be able to call a $3,000+ increase a 'modest' month!
Post by: afuera on April 03, 2017, 08:59:09 AM
1/1/2015: $-7,391.00
2/1/2015: $14,385.00
3/1/2015: $23,410.26
4/1/2015: $26,035.00
5/1/2015: $40,351.00
6/1/2015: $45,024.00
7/1/2015: $49,653.00
8/1/2015: $55,698.00
9/1/2015: $64,143.00
10/1/2015: $69,752.00
11/1/2015: $73,258.00
12/1/2015: $78,264.00
1/1/2016: $85,216.00
2/1/2016: $108,561.00
3/1/2016: $120,587.00
4/1/2016: $126,840.00
5/1/2016: $141,235.00
6/1/2016: $158,354.00
7/1/2016: $163,000.00
8/1/2016: INV-$$91,234.65 NW-$189,193.00
9/1/2016: INV-$$93,526.67 NW-$172,000.00
10/1/2016: INV-$$95,922.07 NW-$175,024.00
11/1/2016: INV-$$97,640.51 NW-$179,773.00
12/1/2016: INV-$101,914.22 NW-$180,032.02
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
Our income was quite ridiculous last month thanks to yearly profit sharing, bonus, tax refund (boo interest free loan :/), and sidehustle money. We were able to max both our rIRAs in March, so we opened a regular old Vangaurd taxable account and will be shoveling all our extra dough in there until next year.
Post by: Check2400 on April 03, 2017, 09:05:44 AM
Jan. 1, 2017 - 103,000
Feb. 1, 2017 - 106,500
Mar. 1 2017 - 102,500
Apr. 1 2017 - 110,000
401K deposits finally came through, with missed gains added back in, which is nice. Had my 1Q paycheck for side business paid as well. Lots of gains on the market.
I'm expecting to dip down closer to 100,000 this or next month as home renovations continue to escalate. :/
It is fun to finally start getting a body of data for this spreadsheet though!
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Post by: edmundblackadder on April 03, 2017, 09:26:19 AM
OMG I finally get to post in this thread!
16K cash (15K emergency fund, 1K day-to-day cash)
85K invested (11K in my IRA, 73K in my 403b)
The next goal is 100K invested. Barring a massive life upheaval (currently very possible, for reasons that don't bear exploration at this juncture), I should be able to tick that off by the end of this calendar year without strain.
Post by: MrStash on April 03, 2017, 02:02:44 PM
$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
Still on track but there is is major disturbance in the force. We are (somewhat) unexpectedly selling our house and moving into a more expensive one. It's amazing how much value disappears between real estate commissions, closing costs, home inspections, appraisals, repairs, and everything else.
Post by: Pizzabrewer on April 03, 2017, 02:25:01 PM
It's amazing how much value disappears between real estate commissions, closing costs, home inspections, appraisals, repairs, and everything else.
YES.
We recently sold our old house, bought a new house and moved. The transaction costs are insane. The real estate industry is set up to suck the maximum amount of money out of the buyers and the sellers.
Post by: ranchingretirement on April 03, 2017, 06:44:51 PM
Good progress this past month with both of us working again. Projecting $175,000 by my wife's 29th birthday in September.
Coming over from the $10k-$100k thread.
2013
July $14,992
2016
Dec $100,665
It took me and my wife over 3 years to go from $10k-$100k...excited to be working toward $250k now.
1.1.2017: $109,099
2.1.2017: $112,920
3.1.2017: $113,923
My wife just started working full-time again, and with another promotion in sight, we should really be able to crank up the savings rate in 2017 & 2018.
Projected date for $250k in net worth: September 2018
Post by: retireatbirth on April 03, 2017, 07:39:34 PM
June 2015: $120,300
July 2015: $120,800
August 2015: $125,300
December 1, 2015: $137,000
October 1, 2016: $200,000
February 3, 2017: $224,000
April 3, 2017: $244,000
Almost!
Post by: Mazzinator on April 04, 2017, 07:56:42 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
Went down..hubby bought a car😬
Post by: Cornel_Westside on April 04, 2017, 05:53:08 PM
04/2017 - $133,780 (+3280 - Saved $2500, Market Gains $780)
Saved less than I wanted thanks to car trouble. Nothing major - I expect this car to last at least 3 more years and save me lots of money. Market gave decent returns. Next month I expect to save more - about ~$3500.
Post by: richmadethis on April 05, 2017, 01:12:03 AM
01/01/16 : 70127
01/02/16 : 71010
01/03/16 : 73416
01/04/16 : 74102
01/05/16 : 77079
01/06/16 : 79954
01/07/16 : 80915
01/08/16 : 84609
01/09/16 : 87883
01/10/16 : 90308
01/11/16 : 92726
01/12/16 : 95496
01/01/17 : 97661
----------------------
01/02/17 : 101,101
01/03/17 : 104,109
01/04/17 : 106,512
Post by: rg422 on April 05, 2017, 09:50:45 AM
In short, my wife and I have come a long way the past few years. We are both nurses, two kids, married young at 20 (classic high school sweetheart kind of story). We were the typical anti-Mustachian, spending ALL our earned income and not saving anything for retirement. It wasn't until April 2015 when things changed. The new company I work for (2nd job working from home) offered 100% match up to 6% into the 401K and 1000 annual company contribution to my HSA. I started at 6% 401K contribution and gradually increased that up to the 18K max within a year's time. My wife eventually adopted the same 'FIRE' mindset and started contributing to her 401K. Starting this year, we'll both max out our 401Ks, ROTHs via backdoor and my HSA, as well as contribute 500 to each kids' 529.
Now, we are not 100% Mustachian. We do spend quite a bit more than we should, but we are content with our current savings/spending rate. At the beginning of our nursing careers, working at a hospital in Arizona, many of the older patient's we took care of preached that saving a lot is important, but enjoy some while we're young and able.
Investable amount....
4/5/17 - 101,800
Cheers,
Richard
Post by: indentured4now on April 05, 2017, 09:39:03 PM
End of Nov update: 110K thanks to quarterly divys and $300 in cash saved. Slow and steady...
Been MIA on the challenge for awhile so checking in as of end of Feb... 112K for this challenge... Building the after tax stache account while saving for a roof replacement at the same time sucks, but still growing nonetheless.
And the end of March testimonial is... Still treading water at $112K even with some divy payments. Too conservative a mix for the current market... Fingers crossed for a more cooperative market and toes crossed for a bonus due in June to get moving upward again.
Post by: josiah44 on April 09, 2017, 12:58:52 PM
@rg422, we're in pretty similar boats. Love to have someone to track against, if you're game.
Tracking NW w/o home equity (too variable):
08/16 $55,949.68
09/16 $62,339.85
10/16 $64,945.95
11/16 $65,990.75
12/16 $76,255.57
01/17 $80,060.59
02/17 $87,372.32
03/17 $96,906.77
04/17 $99,890.68
Post by: rg422 on April 10, 2017, 02:13:24 PM
New to the race.
@rg422, we're in pretty similar boats. Love to have someone to track against, if you're game.
Tracking NW w/o home equity (too variable):
08/16 $55,949.68
09/16 $62,339.85
10/16 $64,945.95
11/16 $65,990.75
12/16 $76,255.57
01/17 $80,060.59
02/17 $87,372.32
03/17 $96,906.77
04/17 $99,890.68
Yes, definitely. I also do not include our home's equity. I'm hoping to update my progress monthly.
-Richard
Post by: facepalm on April 11, 2017, 12:18:21 PM
Post by: CorpRaider on April 12, 2017, 08:28:32 AM
For those of you with government pensions, are you including the current balance in your total net worth? I have not included mine since it isn't liquid . . . but it's also not going away . . .
Personally haven't included pension or SS in my figures. I suppose you could discount the estimated future cash flows for vested benefits back to get a PV.
Post by: dystopic on April 13, 2017, 06:45:26 PM
16th March 2017 - $156,970.5614th April 2017 - $172,158.80 (+$15,188.24)
Not entirely sure how I feel about these growing markets. Looks good on paper, that's for sure. Numbers are in AUD, only liquid investable assets.
Post by: facepalm on April 14, 2017, 08:52:46 PM
For those of you with government pensions, are you including the current balance in your total net worth? I have not included mine since it isn't liquid . . . but it's also not going away . . .
Personally haven't included pension or SS in my figures. I suppose you could discount the estimated future cash flows for vested benefits back to get a PV.
Thanks for the reply. I have considered running a NPV calculation on future payouts. Doing so gives me a figure of about 600K. Seems like cheating to include it. STRS indicates I have contributed 90K, which does not include employer contribution. Again, seems like funny money.
I'll leave it out.
Post by: Nick_Miller on April 15, 2017, 07:17:32 AM
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
So flat for this month. We put a couple thousand $ (that would have normally went into investments) into the new house for a few projects: (building up the steps to the back deck, building a new closet) and we did buy a few new items (some deck furniture and a new grill, but they were $500 total and my wife contributed $250 of her saved "blow" money because she wanted them more than I did. It was a good compromise. And I did not increase the value of the home on my budget sheet, because that's speculative.
We should move forward finally this month. The projects are done.
Post by: CorpRaider on April 18, 2017, 11:54:43 AM
For those of you with government pensions, are you including the current balance in your total net worth? I have not included mine since it isn't liquid . . . but it's also not going away . . .
Personally haven't included pension or SS in my figures. I suppose you could discount the estimated future cash flows for vested benefits back to get a PV.
Thanks for the reply. I have considered running a NPV calculation on future payouts. Doing so gives me a figure of about 600K. Seems like cheating to include it. STRS indicates I have contributed 90K, which does not include employer contribution. Again, seems like funny money.
I'll leave it out.
Yeah its tough. I would like to get comfortable with a figure maybe discounting what I've got vested if I quit tomorrow because it could be quite material. I probably also need to figure it in to my traditional versus roth analysis at some point but I have kind of punted on that until I can at least see like a million on the distant horizon.
Post by: Virtus on April 18, 2017, 06:01:49 PM
Net Worth
Aug-16 100,184
Sep-16 101,046
Oct-16 102,879
Nov-16 105,226
Dec-16 113,485
Jan-17 115,538
Feb-17 121,490
Mar-17 125,104
Amounts are as of the end of the month.
Post by: RetireGermane on April 19, 2017, 01:11:47 AM
Post by: CutTheFat on April 19, 2017, 04:05:28 AM
9/2016 $102k
4/2017 $122k
Post by: Tris Prior on April 20, 2017, 08:53:00 AM
This month I cut back my 401k contribution to the match (had been doing 20%) and instead pumping more money into e-fund due to coming layoffs at work; no idea at this point whether I'll be hit but better safe than sorry, I'd rather have the money somewhere that I can easily get at it. Supposedly we'll know by late May who's getting the axe.
401k: $98,422.92
Roth: $51,200.17
E-fund: $10,922.83
Total: 160,545.92
Total 1 month ago: 159,252.10
Increase: 1,293.82
Post by: khangaroo on April 20, 2017, 03:27:48 PM
I would love to join the thread! I'm a new Mustachian and this is awesome! I'm currently cash flowing an MBA so I don't think I'll get the gains like many of people on this thread but love reading about your awesome progress!
8/19/16: $117,147
9/16/16: $118,664
10/21/16: $120,340
$11/16/16: $123,274
12/14/16: $131,102
I'm hoping to get to $250k at the end of 30.
Thanks for all the inspiration!
Update:
01/11/17: $139,988
02/08/17: $140,757
03/08/17: $149,917
04/14/17: $160,282
MBA tuition reimbursement and tax refund was the main culprits for the jump in February to April. It's been an incredible ride so far and really excited to see where I'll on the 1 year mark from when I started tracking my net worth. I wish I would've started when I got 100% debt-free in February 2016 but oh well!
Best of luck y'all and may the bull market roar on!
Post by: Pizzabrewer on April 22, 2017, 08:26:55 AM
So our numbers (includes home equity of roughly $26k):
2017
Jan 1: $170,881
Feb 1: $183,768
Mar 1: $197,020
Apr 1: $207,614
ACK! Found a stupid math error. Apr 1 NW is only $202,363.
Post by: facepalm on April 23, 2017, 11:17:37 AM
For those of you with government pensions, are you including the current balance in your total net worth? I have not included mine since it isn't liquid . . . but it's also not going away . . .
Personally haven't included pension or SS in my figures. I suppose you could discount the estimated future cash flows for vested benefits back to get a PV.
Thanks for the reply. I have considered running a NPV calculation on future payouts. Doing so gives me a figure of about 600K. Seems like cheating to include it. STRS indicates I have contributed 90K, which does not include employer contribution. Again, seems like funny money.
I'll leave it out.
Yeah its tough. I would like to get comfortable with a figure maybe discounting what I've got vested if I quit tomorrow because it could be quite material. I probably also need to figure it in to my traditional versus roth analysis at some point but I have kind of punted on that until I can at least see like a million on the distant horizon.
I went ahead and again calculated NPV based on estimated life cash flows. Mine seems way too high.
Interestingly enough, I switched to Personal Capital for account monitoring, and in addition to allowing me to link to most every account I have (and the ones I can't are easy to set up), it links up to my pension and shows what I have in today's dollars. Today's dollars can be considered somewhat hard money that I would get (in a series of payouts) should I quit tomorrow, so I am entertaining the idea of including it. I also have a supplemental account with the state that I have entered manually. If I do include both, my net worth goes from 138K to 248K which almost bumps me into the 250K thread. I'd be making some fast progress!
As an aside, I really like Personal Capital so far, it gives me a much better picture of my assets. No budgeting, but I'm going to use Quicken for that, even though I have to manually enter spending on my rewards VISA. Bye bye, Mint! I won't miss you and your annoying ads.
Post by: Virtus on April 24, 2017, 10:30:26 AM
For those of you with government pensions, are you including the current balance in your total net worth? I have not included mine since it isn't liquid . . . but it's also not going away . . .
Personally haven't included pension or SS in my figures. I suppose you could discount the estimated future cash flows for vested benefits back to get a PV.
Thanks for the reply. I have considered running a NPV calculation on future payouts. Doing so gives me a figure of about 600K. Seems like cheating to include it. STRS indicates I have contributed 90K, which does not include employer contribution. Again, seems like funny money.
I'll leave it out.
Yeah its tough. I would like to get comfortable with a figure maybe discounting what I've got vested if I quit tomorrow because it could be quite material. I probably also need to figure it in to my traditional versus roth analysis at some point but I have kind of punted on that until I can at least see like a million on the distant horizon.
I went ahead and again calculated NPV based on estimated life cash flows. Mine seems way too high.
Interestingly enough, I switched to Personal Capital for account monitoring, and in addition to allowing me to link to most every account I have (and the ones I can't are easy to set up), it links up to my pension and shows what I have in today's dollars. Today's dollars can be considered somewhat hard money that I would get (in a series of payouts) should I quit tomorrow, so I am entertaining the idea of including it. I also have a supplemental account with the state that I have entered manually. If I do include both, my net worth goes from 138K to 248K which almost bumps me into the 250K thread. I'd be making some fast progress!
As an aside, I really like Personal Capital so far, it gives me a much better picture of my assets. No budgeting, but I'm going to use Quicken for that, even though I have to manually enter spending on my rewards VISA. Bye bye, Mint! I won't miss you and your annoying ads.
I wish personal capital supported all my accounts. I would consider using them if it did.
I would not include social security in your net worth. The only way I would include a pension is if they offer a lump sum payout that you can roll into an IRA when you leave your company. Without this option, you really don't have control over the money and therefore I would not include it in your net worth.
Post by: facepalm on April 24, 2017, 05:20:27 PM
For those of you with government pensions, are you including the current balance in your total net worth? I have not included mine since it isn't liquid . . . but it's also not going away . . .
Personally haven't included pension or SS in my figures. I suppose you could discount the estimated future cash flows for vested benefits back to get a PV.
Thanks for the reply. I have considered running a NPV calculation on future payouts. Doing so gives me a figure of about 600K. Seems like cheating to include it. STRS indicates I have contributed 90K, which does not include employer contribution. Again, seems like funny money.
I'll leave it out.
Yeah its tough. I would like to get comfortable with a figure maybe discounting what I've got vested if I quit tomorrow because it could be quite material. I probably also need to figure it in to my traditional versus roth analysis at some point but I have kind of punted on that until I can at least see like a million on the distant horizon.
I went ahead and again calculated NPV based on estimated life cash flows. Mine seems way too high.
Interestingly enough, I switched to Personal Capital for account monitoring, and in addition to allowing me to link to most every account I have (and the ones I can't are easy to set up), it links up to my pension and shows what I have in today's dollars. Today's dollars can be considered somewhat hard money that I would get (in a series of payouts) should I quit tomorrow, so I am entertaining the idea of including it. I also have a supplemental account with the state that I have entered manually. If I do include both, my net worth goes from 138K to 248K which almost bumps me into the 250K thread. I'd be making some fast progress!
As an aside, I really like Personal Capital so far, it gives me a much better picture of my assets. No budgeting, but I'm going to use Quicken for that, even though I have to manually enter spending on my rewards VISA. Bye bye, Mint! I won't miss you and your annoying ads.
I wish personal capital supported all my accounts. I would consider using them if it did.
I would not include social security in your net worth. The only way I would include a pension is if they offer a lump sum payout that you can roll into an IRA when you leave your company. Without this option, you really don't have control over the money and therefore I would not include it in your net worth.
Good point on Social Security. I'm not counting it or including it.
The pension is a little trickier. Since I include it in my savings rate, I'm tempted to include in net worth. The amount in the account is about 80K, and would guarantee me a monthly payout of about $2100 for as long as I live should I retire now. That amount will only get bigger as I continue to work. I'm projected to take almost $4,000 per month when I do retire in 5 years. I get that for as long as I live. Given my health and general seaworthiness, I'll be taking out way more than I actually put in. Thank you, actuarial science.
There is also a second account with around $30K that gives me a payout of $1K per month for 3 years.
Post by: facepalm on April 26, 2017, 07:30:30 AM
For those of you with government pensions, are you including the current balance in your total net worth? I have not included mine since it isn't liquid . . . but it's also not going away . . .
Personally haven't included pension or SS in my figures. I suppose you could discount the estimated future cash flows for vested benefits back to get a PV.
Thanks for the reply. I have considered running a NPV calculation on future payouts. Doing so gives me a figure of about 600K. Seems like cheating to include it. STRS indicates I have contributed 90K, which does not include employer contribution. Again, seems like funny money.
I'll leave it out.
Yeah its tough. I would like to get comfortable with a figure maybe discounting what I've got vested if I quit tomorrow because it could be quite material. I probably also need to figure it in to my traditional versus roth analysis at some point but I have kind of punted on that until I can at least see like a million on the distant horizon.
I went ahead and again calculated NPV based on estimated life cash flows. Mine seems way too high.
Interestingly enough, I switched to Personal Capital for account monitoring, and in addition to allowing me to link to most every account I have (and the ones I can't are easy to set up), it links up to my pension and shows what I have in today's dollars. Today's dollars can be considered somewhat hard money that I would get (in a series of payouts) should I quit tomorrow, so I am entertaining the idea of including it. I also have a supplemental account with the state that I have entered manually. If I do include both, my net worth goes from 138K to 248K which almost bumps me into the 250K thread. I'd be making some fast progress!
As an aside, I really like Personal Capital so far, it gives me a much better picture of my assets. No budgeting, but I'm going to use Quicken for that, even though I have to manually enter spending on my rewards VISA. Bye bye, Mint! I won't miss you and your annoying ads.
I wish personal capital supported all my accounts. I would consider using them if it did.
I would not include social security in your net worth. The only way I would include a pension is if they offer a lump sum payout that you can roll into an IRA when you leave your company. Without this option, you really don't have control over the money and therefore I would not include it in your net worth.
Good point on Social Security. I'm not counting it or including it.
The pension is a little trickier. Since I include it in my savings rate, I'm tempted to include in net worth. The amount in the account is about 80K, and would guarantee me a monthly payout of about $2100 for as long as I live should I retire now. That amount will only get bigger as I continue to work. I'm projected to take almost $4,000 per month when I do retire in 5 years. I get that for as long as I live. Given my health and general seaworthiness, I'll be taking out way more than I actually put in. Thank you, actuarial science.
There is also a second account with around $30K that gives me a payout of $1K per month for 3 years.
I did some digging . . . and found out that I can take both accounts as a lump sum distribution when I separate from my employer, and roll them over into an IRA. They don't really like to advertise it, but there it is. And it appears that I would receive both my contributions plus my employers.
So I'm going to include both reported amounts in my net worth. Amounts are my contributions only.
So my updated figures look like this:
Jan-16 23,769
Feb-16 37,777
Mar-16 36,324
Apr-16 36,503
May-16 38,348
Jun-16 45,604
Jul-16 43,749
Aug-16 46,696
Sep-16 47,970
Oct-16 92,135
Nov-16 120,118
Dec-16 119,694
Jan-17 123,913
Feb-17 132,459
Mar-17 248,500
Post by: SeattleStache on April 27, 2017, 10:25:11 AM
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)
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.
Post by: Imustacheyouaquestion on April 28, 2017, 06:51:05 AM
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
Google doc link: https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Good jump this month. I fixed a broken link to a retirement account in Mint and two more tax refunds arrived. Closing on a house in May! Should be a minor hit for the transaction costs of closing the loan and moving.
Post by: facepalm on April 28, 2017, 07:32:19 AM
Feb-16 37,777
Mar-16 36,324
Apr-16 36,503
May-16 38,348
Jun-16 45,604
Jul-16 43,749
Aug-16 46,696
Sep-16 47,970
Oct-16 92,135
Nov-16 120,118
Dec-16 119,694
Jan-17 123,913
Feb-17 132,459
Mar-17 248,500
Apr-17 255,873
It was fun. See you all in the next thread real soon!
Post by: Pooperman on April 28, 2017, 07:50:27 AM
Post by: dogboyslim on April 28, 2017, 08:09:19 AM
03/2016: $20,818
04/2016: $23,784
05/2016: $26,650
06/2016: $28,769
07/2016: $32,015
08/2016: $34,808
09/2016: $37,342
10/2016: $39,883
11/2016: $41,720
12/2016: $44,979
01/2017: $56,197
02/2017: $59,598
03/2017: $94,135
04/2017: $96,711
05/2017: $100,313
Post by: facepalm on April 28, 2017, 04:25:29 PM
We're at 99k right now. Should be graduating to this race at the end of next month. Posting to follow!Awesome!
Post by: retireatbirth on April 28, 2017, 08:06:17 PM
June 2015: $120,300
July 2015: $120,800
August 2015: $125,300
December 1, 2015: $137,000
October 1, 2016: $200,000
February 3, 2017: $224,000
April 3, 2017: $244,000
Almost!
April 28, 2017: $253,000!!!
Took 2 years 4 months
See ya guys in the next thread!
Post by: FITortoise on April 29, 2017, 07:41:20 AM
Jan-16 23,769
Feb-16 37,777
Mar-16 36,324
Apr-16 36,503
May-16 38,348
Jun-16 45,604
Jul-16 43,749
Aug-16 46,696
Sep-16 47,970
Oct-16 92,135
Nov-16 120,118
Dec-16 119,694
Jan-17 123,913
Feb-17 132,459
Mar-17 248,500
Apr-17 255,873
It was fun. See you all in the next thread real soon!
Post by: facepalm on April 29, 2017, 10:03:27 AM
Hi facepalm, Congrats!!! What changed from Sept'16 to Oct, and then from Feb'17 to March?Jan-16 23,769
Feb-16 37,777
Mar-16 36,324
Apr-16 36,503
May-16 38,348
Jun-16 45,604
Jul-16 43,749
Aug-16 46,696
Sep-16 47,970
Oct-16 92,135
Nov-16 120,118
Dec-16 119,694
Jan-17 123,913
Feb-17 132,459
Mar-17 248,500
Apr-17 255,873
It was fun. See you all in the next thread real soon!
Thanks! I probably should have spelled out those gains. In Sept-16 I received one of two inheritance checks (from Mom's estate). This past month I was able to get an accurate figure on my contributions to my work pension, and at that time found that when I separate I can take it as a lump sum. Wish I had known that earlier. I'm only counting my contributions, not my employer's, which probably means that 110K is probably closer to 220K.
See you all in the next thread!
Post by: SpareChange on April 29, 2017, 10:56:03 AM
Post by: tarheeldan on April 30, 2017, 03:59:26 PM
I am joining the thread! I participated in the race to $100k thread but just forgot to join this thread when I graduated. I am excited to encourage and be encouraged by everyone else.Welcome, Virtus!
Apr-17 255,873Congratulations!!!
It was fun. See you all in the next thread real soon!
We're at 99k right now. Should be graduating to this race at the end of next month. Posting to follow!Yaay!
April 28, 2017: $253,000!!!See you there! Congrats!!!
Took 2 years 4 months
See ya guys in the next thread!
Up $6,646.85 to $176,969.68. The upward march continues!Nice month!!!
______________________________________________
Welcome all newcomers!
_______________________________________________
I had a pretty good month, despite being a bit spendypants on some work shoes and also on invisible braces:
+$5,313.65 to $162,886.85 = $6,515.47/yr @4% = 33% FI =120/365 days funded
___________________________________________________________________
Google Doc: Race from 100k to 250k:
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Post by: Pooplips on May 01, 2017, 05:42:56 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
Post by: Guava on May 01, 2017, 06:16:59 AM
February 2017: $172,043
March 2017: $177,204
April 2017: $242,432
I had a great month adding in about $15k but most of the gains come from finally combining accounts with DH. It had been on our list of things to do but his bank was closing and that pushed us along in the process. It is really great to have the full picture finally. But we are too cash heavy now.
Aside from that, I also hit a few exciting moments this month: my retirement accounts surpassed my mortgage, and I also reached 1x salary in my 401k!
Looks like we will graduate from here in June or July.
Post by: turketron on May 01, 2017, 06:17:59 AM
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
Post by: mrteacher on May 01, 2017, 07:36:52 AM
2/1: $91,959
3/1: $93,145
4/1: $100,869
5/1: $104,268
6/1: $107,087
7/1: $112,489
8/1: $118,328
9/1: $120,838
10/1: $124,626
11/1: $126,949
12/1: $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
It's wild - and quite motivating - looking back and seeing how quickly I'm increasing.
Post by: afuera on May 01, 2017, 08:41:41 AM
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
Post by: marcela on May 01, 2017, 09:03:28 AM
4/30/2017: $109,329.00 Big drop this month. We bought my husband a car now that he is graduating and will no longer be carpooling with me in the morning. We came in under budget and it was a planned expense, but it's still a big blow to the bottom line. The other big hit was a personal loan to my parents. My mom was recently diagnosed with breast cancer and lost her job. My folks have cut down expenses where they could, but they were already living pretty close to the edge. I paid off their remainder on the loan and they will repay me next year once my mom is done with treatment. Saves them the worry about an expense during this awful time and will save them the money spent on interest in the long run.Hello! I just graduated from the 100k board on Oct- 31st I thought I would mosey over here. I'm married, 28 years old and my husband is currently finishing up school. Total household income is 56k. We rent and have no outstanding debt. Worth of our single car is not included in the calculations.
Background on net worth:
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
11/17/2016: $103,940
12/30/2916: $109,785.19
1/31/2017: $112,318.74
2/28/2017: $119,499.39
3/31/2017: $124,640.83
Post by: Guava on May 01, 2017, 10:19:21 AM
4/30/2017: $109,329.00 Big drop this month. We bought my husband a car now that he is graduating and will no longer be carpooling with me in the morning. We came in under budget and it was a planned expense, but it's still a big blow to the bottom line. The other big hit was a personal loan to my parents. My mom was recently diagnosed with breast cancer and lost her job. My folks have cut down expenses where they could, but they were already living pretty close to the edge. I paid off their remainder on the loan and they will repay me next year once my mom is done with treatment. Saves them the worry about an expense during this awful time and will save them the money spent on interest in the long run.Hello! I just graduated from the 100k board on Oct- 31st I thought I would mosey over here. I'm married, 28 years old and my husband is currently finishing up school. Total household income is 56k. We rent and have no outstanding debt. Worth of our single car is not included in the calculations.
Background on net worth:
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
11/17/2016: $103,940
12/30/2916: $109,785.19
1/31/2017: $112,318.74
2/28/2017: $119,499.39
3/31/2017: $124,640.83
One of the best things about the pursuit of FI is the ability to loan money or float yourself through tough times. Your savings has helped your parents worry about what is most important right now. That is an incredible thing. Keeping her in my thoughts.
Post by: MrStash on May 01, 2017, 12:48:19 PM
$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
Selling old house/ buying new house worked out well. Sold old house for little more than asking price with no closing costs covered for the buyer, and successfully negotiated on the purchase of the new house. All of that will take effect during May and it might actually increase NW even after all the associated costs. Good times.
Post by: steveo on May 01, 2017, 04:06:48 PM
June 2015: $120,300
July 2015: $120,800
August 2015: $125,300
December 1, 2015: $137,000
October 1, 2016: $200,000
February 3, 2017: $224,000
April 3, 2017: $244,000
Almost!
April 28, 2017: $253,000!!!
Took 2 years 4 months
See ya guys in the next thread!
Well done !
Post by: Mustachio Bashio on May 01, 2017, 06:09:01 PM
March 1st - 177,448
April 1st - 183,917
May 1st - 189,025
Slowly getting closer and closer to 200k :) Hoping to get a cost of living raise in the next couple weeks, and I found out that I'm up for a raise next promotion cycle, which is sometime in June, so that's all pretty exciting.
Post by: RetireGermane on May 02, 2017, 02:16:46 AM
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 € some Dental Costs
Planned Graduation Date 250k: Sept 2021
Happy Investing
5/1/2017 May: 112,900 € slowly but surely
Post by: marcela on May 02, 2017, 06:16:48 AM
4/30/2017: $109,329.00 Big drop this month. We bought my husband a car now that he is graduating and will no longer be carpooling with me in the morning. We came in under budget and it was a planned expense, but it's still a big blow to the bottom line. The other big hit was a personal loan to my parents. My mom was recently diagnosed with breast cancer and lost her job. My folks have cut down expenses where they could, but they were already living pretty close to the edge. I paid off their remainder on the loan and they will repay me next year once my mom is done with treatment. Saves them the worry about an expense during this awful time and will save them the money spent on interest in the long run.Hello! I just graduated from the 100k board on Oct- 31st I thought I would mosey over here. I'm married, 28 years old and my husband is currently finishing up school. Total household income is 56k. We rent and have no outstanding debt. Worth of our single car is not included in the calculations.
Background on net worth:
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
11/17/2016: $103,940
12/30/2916: $109,785.19
1/31/2017: $112,318.74
2/28/2017: $119,499.39
3/31/2017: $124,640.83
One of the best things about the pursuit of FI is the ability to loan money or float yourself through tough times. Your savings has helped your parents worry about what is most important right now. That is an incredible thing. Keeping her in my thoughts.
I was a bit hesitant to post about it because sometimes people on the forum can take a very hardline stance against supporting family members and I was dreading receiving a facepunch for my "double-sin" of providing economic outpatient care and a car loan. Your response was full of grace and compassion. Thank you, Guava.
Post by: MichaelB on May 02, 2017, 08:54:15 AM
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!
Post by: AK on May 02, 2017, 09:00:36 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!
Congrats on the new baby! We are currently maxing our HSA in preparation of our little bundle of joy coming soon too.
Post by: Pizzabrewer on May 02, 2017, 09:19:04 AM
Jan 1: $170,881
Feb 1: $183,768
Mar 1: $197,020
Apr 1: $202,363
May 1: $223,229
A very nice 10.3% jump last month despite paying the IRS $750 and my wife's car needing $700 in repairs.
This was almost entirely due to our main stock holding (EXAS) going through the roof. We sold about 1/3 of our position but at almost 20% of our NW we are still very overweight in the one security.
Post by: marcela on May 02, 2017, 09:32:39 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!
Congrats on the baby!
Post by: tarheeldan on May 02, 2017, 11:07:48 AM
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!
Congrats on the baby!
Yes, congrats!!!
Post by: Slinky on May 02, 2017, 11:18:24 AM
-----------------------
Dec 2016 - $101,671
Jan 2017 - $105,278 (+3,607)
Feb 2017 - $111,155 (+5,877)
Mar 2017 - $116,248 (+5,093)
May 2017 - $122,014 (+2,883 AVG/2 months because I forgot to update in April)
Next mini goal is definitely a round $125k! It's so nice to see this continue going up every month as it's been a rough start to the year financially speaking. I knew we'd need to recover some cash reserves after our big restoration project, but it's been difficult with a lot of vehicle issues and a simultaneous double appliance meltdown. Fun times! I'm feeling optimistic though. My general cash reserves are looking good again and I've got money set aside for 2 out of 3 upcoming expenses. I'll tuck away a bit more for the third and then hopefully I'll be back at work maxing my Roth for the year. I am determined to max all the things this year!
Post by: Blahhhh456 on May 02, 2017, 11:53:12 AM
Jan 1, 2016 - $81,396
Oct 1, 2016 - $122,943
Jan 1, 2017 - $128,893
Mar 1, 2017 - $151,772
May 1, 2017 - $156,756 - old employer HSA is now drained due to baby hospital birth bills. We spent a lot of HSA dollars in the last two months!!
Still feel good with my goal of $250k by Jan 2019.
Post by: CorpRaider on May 02, 2017, 12:14:21 PM
12/15 ~ $81,000
12/16 ~ $109,000
01/17 ~ $116,000
02/17 ~ $122,000
03/17 ~ $125,000
04/17 ~ $130,000
Post by: kickel on May 02, 2017, 02:21:49 PM
Finally made it into this thread! I'm amazed at how much some of you guys are able to put away each month. Is it high income, dual income, market return. Either way I'm jealous. Well here is my starting point, with no home equity.
8/8/16: $101,750
I may have skipped a few months of posting, but It's time to get back on track.
2/24/17: $110,773
3/31/17: $115,783
4/30/17: $116,557 not as much as I'd hoped. However, I did spend more on some rock climbing gear and did go out a few times near the end of the month. This month will be a much more frugal month.
Post by: Cornel_Westside on May 02, 2017, 04:47:39 PM
04/2017 - $133,780 (+3280 - Saved $2500, Market Gains $780)
05/2017 - $138,157 (+4377 - Saved $2835, Market Gains $1542)
Saving more, but still only a savings rate of 54%. April was a 5 weekend month though - I'm confident I can get it to 60% easily and 64-65% on good months.
Post by: JLee on May 02, 2017, 05:16:13 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 $123,231.73Code: [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 $193,782.16Code: [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
Post by: Haselbacher on May 02, 2017, 10:07:04 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 €
Post by: Check2400 on May 03, 2017, 10:10:15 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
Had 10K come in from side business, and then 10K go out, so I spiked up to over $120,000 for a hot minute before renovation costs came through on the new house.
Glad to raise the total since I'm covering a second mortgage while under contract for the rental to sell. That means no rent coming in, paying back security deposit, and paying to get rental up to snuff to sell.
Looking forward to getting through this renovation and sales if, for nothing else, to quit messing up my Mint charts with wild financial swings!
It is fun to finally start getting a body of data for this spreadsheet though!
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Post by: mrteacher on May 03, 2017, 10:22:21 AM
Do those of you that are married report your NW as a couple or as individuals?
I guess it really doesn't matter one way or the other...and may just boil down to whether or not you and your SO have separate or combined accounts -- still wanted to ask!
Post by: AK on May 03, 2017, 11:26:22 AM
A question about tracking and marriage: I am getting married this summer. My plan was to lump my fiance's NW into my own, as we will be sharing finances. That will cause a noticeable spike in 'my' NW, as reported on this thread.
Do those of you that are married report your NW as a couple or as individuals?
I guess it really doesn't matter one way or the other...and may just boil down to whether or not you and your SO have separate or combined accounts -- still wanted to ask!
NW as a couple.
Post by: marcela on May 03, 2017, 11:28:23 AM
A question about tracking and marriage: I am getting married this summer. My plan was to lump my fiance's NW into my own, as we will be sharing finances. That will cause a noticeable spike in 'my' NW, as reported on this thread.I have been tracking ours as a couple, but we only have one income at the moment. It was easy to include my husband's savings. Not sure how we've going to handle it in June once her starts working. I would like to track as a couple, but have to see how we end up handling our money.
Do those of you that are married report your NW as a couple or as individuals?
I guess it really doesn't matter one way or the other...and may just boil down to whether or not you and your SO have separate or combined accounts -- still wanted to ask!
Post by: afuera on May 03, 2017, 11:29:00 AM
A question about tracking and marriage: I am getting married this summer. My plan was to lump my fiance's NW into my own, as we will be sharing finances. That will cause a noticeable spike in 'my' NW, as reported on this thread.NW as a couple. When we got married, both of us had debt and just a handful of cash so no real NW bump.
Do those of you that are married report your NW as a couple or as individuals?
I guess it really doesn't matter one way or the other...and may just boil down to whether or not you and your SO have separate or combined accounts -- still wanted to ask!
Post by: Slinky on May 03, 2017, 12:19:51 PM
A question about tracking and marriage: I am getting married this summer. My plan was to lump my fiance's NW into my own, as we will be sharing finances. That will cause a noticeable spike in 'my' NW, as reported on this thread.
Do those of you that are married report your NW as a couple or as individuals?
I guess it really doesn't matter one way or the other...and may just boil down to whether or not you and your SO have separate or combined accounts -- still wanted to ask!
You should track your progress however it makes the most sense for your situation. If you are married with combined finances it probably makes the most sense to track together.
Personally, I'm tracking individually. We track finances separately and are working towards different goals. I'm working towards FIRE and he's working towards a career change doing what he loves instead of what pays well. I invest in the stock market, he invests in his business.
Post by: Guava on May 03, 2017, 02:52:52 PM
A question about tracking and marriage: I am getting married this summer. My plan was to lump my fiance's NW into my own, as we will be sharing finances. That will cause a noticeable spike in 'my' NW, as reported on this thread.
Do those of you that are married report your NW as a couple or as individuals?
I guess it really doesn't matter one way or the other...and may just boil down to whether or not you and your SO have separate or combined accounts -- still wanted to ask!
Recently married and recently combined accounts to one bank account so there is no way for me to separate a part of it now. I just put a little comment in my spreadsheet to explain the $50k or so jump.
Post by: Pizzabrewer on May 03, 2017, 03:04:11 PM
Post by: ooeei on May 04, 2017, 01:12:57 PM
May 2017: $152,000
Had some oil stocks that brought me down a bit and cancelled out some other gains, but I'm keeping them around for fun. Savings now is around $3k a month, trying to push it up this year after a raise and once our 401k match comes back. Also taking advantage of discounted shares through our employee stock plan, cash out is every 6 months.
Post by: Virtus on May 04, 2017, 04:36:31 PM
A question about tracking and marriage: I am getting married this summer. My plan was to lump my fiance's NW into my own, as we will be sharing finances. That will cause a noticeable spike in 'my' NW, as reported on this thread.
Do those of you that are married report your NW as a couple or as individuals?
I guess it really doesn't matter one way or the other...and may just boil down to whether or not you and your SO have separate or combined accounts -- still wanted to ask!
We track ours as a couple and I would argue that unless two people have a prenuptial agreement you should always combine your finances and track your net worth together.
Post by: richmadethis on May 05, 2017, 12:37:04 AM
01/01/16 : 70127
01/02/16 : 71010
01/03/16 : 73416
01/04/16 : 74102
01/05/16 : 77079
01/06/16 : 79954
01/07/16 : 80915
01/08/16 : 84609
01/09/16 : 87883
01/10/16 : 90308
01/11/16 : 92726
01/12/16 : 95496
01/01/17 : 97661
----------------------
01/02/17 : 101,101
01/03/17 : 104,109
01/04/17 : 106,512
01/05/17 : 109,202
Post by: FrugalLakes on May 05, 2017, 08:09:30 AM
11/1/16 - $101,051.
2/1/17 - $109,600.
5/1/17 - $116,500.
Post by: BeautifulDay on May 06, 2017, 09:49:17 PM
Mar 2016 $28,361
Apr 2016 $31,751
May 2016 $38,742
Jun 2016 $40,970
Jul 2016 $61,657 (added my HSA of about 9k into Mint)
Aug 2016 $64,120
Sep 2016 $66,961
Oct 2016 $70,179
Nov 2016 $73,125
Dec 2016 $80,499
Jan 2017 $87,257
Feb 2017 $93,080
Mar 2017 $99,766
Apr 2017 $97,334
May 2017 $100,755
So Mint has me at just over $100k, woohoo. I expect it will take 4-5 years to reach $250k at my current pace. Hoping to accelerate that. We shall see. Still have a bit of low interest debt to pay off. Making steady progress.
Post by: lampstache on May 08, 2017, 08:44:27 AM
Post by: AK on May 08, 2017, 08:51:21 AM
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.
Post by: lampstache 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.
Post by: Mazzinator 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
Post by: Tris Prior on May 10, 2017, 08:46:17 AM
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
Post by: Pooperman on May 13, 2017, 09:45:29 AM
| 5/15/2017 | $100,200.00 |
Joining finally after graduating the 10k-100k thread.
Post by: SpareChange on May 14, 2017, 10:23:33 AM
5/15/2017 $100,200.00
Joining finally after graduating the 10k-100k thread.
Welcome!!
Post by: Pizzabrewer 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!
Post by: Pooperman 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.
Post by: Mazzinator 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.
Post by: Nick_Miller on May 15, 2017, 07:01:11 PM
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.
Post by: TryingtoFIREinLAnow on May 16, 2017, 08:10:54 AM
-----------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!!
Post by: Nick_Miller on May 17, 2017, 07:29:02 AM
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.
Post by: dystopic 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)
Post by: jda85 on May 24, 2017, 04:03:38 AM
9/1/16: $99,187.715/1/17: $149,650
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
Post by: dystopic on May 24, 2017, 07:09:28 PM
16th March 2017 - $156,970.5624th May 2017 - $201,736.37 - $200k broken!
14th April 2017 - $172,158.80 (+$15,188.24)
18th May 2017 - $187,986.35 (+$15,827.55)
Post by: Pizzabrewer on May 24, 2017, 07:12:21 PM
16th March 2017 - $156,970.5624th May 2017 - $201,736.37 - $200k broken!
14th April 2017 - $172,158.80 (+$15,188.24)
18th May 2017 - $187,986.35 (+$15,827.55)
Wow, you're killing it! What's your secret?
Post by: dacalo on May 24, 2017, 07:12:36 PM
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!
Post by: dystopic on May 25, 2017, 01:24:46 AM
16th March 2017 - $156,970.5624th May 2017 - $201,736.37 - $200k broken!
14th April 2017 - $172,158.80 (+$15,188.24)
18th May 2017 - $187,986.35 (+$15,827.55)
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.
Post by: Imustacheyouaquestion on May 26, 2017, 12:28:26 PM
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.
Post by: dogboyslim on May 26, 2017, 02:37:07 PM
<truncating earlier values>
03/2017: $94,135
04/2017: $96,711
05/2017: $100,313
06/2017: $104,001
Post by: Mezzie on May 27, 2017, 06:44:47 AM
$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. :)
Post by: SeattleStache on May 29, 2017, 08:54:27 AM
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.
Post by: Gardo on May 29, 2017, 10:48:17 AM
20170529: $103.6K
Post by: CorpRaider 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.
Post by: Erma on May 31, 2017, 01:58:33 AM
Post by: Pooperman on May 31, 2017, 04:19:38 AM
| Date | Net Worth | Total Gains | Saved | Market Gains | Saving Rate |
| 5/31/2017 | $101,344.65 | +$2,422.39 | $1,478.82 | $943.57 | 23% |
Edit: Added more info.
Post by: merlin7676 on May 31, 2017, 08:14:58 AM
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
Post by: TryingtoFIREinLAnow on May 31, 2017, 03:01:45 PM
5/01/2017: $198,4565/31/2017: $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.
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!!
Post by: JLee 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 $123,231.73Code: [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 $193,782.16Code: [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
Post by: SpareChange on June 01, 2017, 12:10:59 AM
Post by: mrteacher on June 01, 2017, 04:59:02 AM
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
Post by: Raenia on June 01, 2017, 05:30:38 AM
04/2017 - 114,128.11
05/2017 - 123,935.63
06/2017 - 127,228.98
Post by: Guava on June 01, 2017, 07:11:51 AM
February 2017: $172,043
March 2017: $177,204
April 2017: $242,432
May: $251,289
Sweet! Was not expecting this so soon.
Post by: Rodgers12 on June 01, 2017, 07:57:53 AM
05/31/2017: $101,116
Post by: afuera on June 01, 2017, 07:59:50 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
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.
Post by: MVal on June 01, 2017, 08:06:49 AM
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.
Post by: MichaelB 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...
Post by: RetireGermane on June 01, 2017, 08:25:30 AM
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
Post by: Mustachio Bashio on June 01, 2017, 09:15:20 AM
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.
Post by: SpareChange on June 01, 2017, 09:37:35 AM
Post by: CmFtns on June 01, 2017, 10:19:26 AM
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
Post by: Cornel_Westside on June 01, 2017, 12:00:21 PM
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.
Post by: MrStash on June 01, 2017, 12:07:31 PM
$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!
Post by: Check2400 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 :/
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Post by: stimepy on June 01, 2017, 02:56:37 PM
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!)
Post by: turketron on June 01, 2017, 07:47:29 PM
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
Post by: Epor 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.
Post by: Mustachio Bashio 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.
Post by: Pooperman 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.
Post by: tjrssibelle on June 03, 2017, 01:15:19 PM
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
Post by: Izybat on June 03, 2017, 07:08:11 PM
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).
Post by: Mazzinator on June 04, 2017, 08:22:27 AM
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 ($184,967 with car as asset)
5/4/17 = $165,972 ($191,951 with car as asset)
6/3/17 = $173,407 (NW = $198,839 with car as asset)
I was thinking i should add in the car as an asset, and use the same amount as the loan. That way, when the car is paid off, i'm not counting the car as an asset any more. I don't like to include cars in my net worth. Thoughts??
Post by: AK on June 04, 2017, 09:23:04 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 ($184,967 with car as asset)
5/4/17 = $165,972 ($191,951 with car as asset)
6/3/17 = $173,407 (NW = $198,839 with car as asset)
I was thinking i should add in the car as an asset, and use the same amount as the loan. That way, when the car is paid off, i'm not counting the car as an asset any more. I don't like to include cars in my net worth. Thoughts??
In accounting, you book the car as an asset and the loan as a liability. Over time, you depreciate / appreciate the car and increase / decrease the liability. Of course, most of the time, the car depreciates and sometimes faster than the loan is paid off so your net worth decreases. Personally, cars are in my net worth since they're a major asset and easy to value from kbb.org and other sources. Everyone calculates it differently but what matters is how you calculate it and that you do it consistently. For example, I include the house, cars, cash and investments as assets and all loans in my calculation. I exclude the house's contents such as jewelry, furniture, etc.
Post by: Pizzabrewer on June 04, 2017, 02:29:09 PM
Jan 1: $170,881 (start of tracking)
Feb 1: $183,768 (up $12,887, +7.5%)
Mar 1: $197,020 (up $13,252, +7.2%)
Apr 1: $202,363 (up $5,343, +2.7%)
May 1: $223,229 (up $20,866, +10.3%)
Jun 1: $244,355 (up $21,126, +9.5%)
Our NW continues to grow at a good clip. I'm wondering how long this streak can last as it's not due to our savings rate. Once again, our overweight position in a couple of stocks has yielded huge returns. EXAS in particular has been a rocketship ride. And a couple of other smaller holdings (KERX and DVAX) are finally showing signs of life after being in the basement for a few years.
Post by: richmadethis on June 04, 2017, 10:28:17 PM
01/02/16 : 71010
01/03/16 : 73416
01/04/16 : 74102
01/05/16 : 77079
01/06/16 : 79954
01/07/16 : 80915
01/08/16 : 84609
01/09/16 : 87883
01/10/16 : 90308
01/11/16 : 92726
01/12/16 : 95496
01/01/17 : 97661
----------------------
01/02/17 : 101,101
01/03/17 : 104,109
01/04/17 : 106,512
01/05/17 : 109,202
01/05/17 : 112,457
Post by: Epor on June 05, 2017, 08:43:50 AM
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.Wow, this is very refreshing to hear thanks for sharing.
Went back and added more info to mine so people on the slow track can see how things progress.
Thank you Pooperman, I see you just graduated to this race - congrats. I changed my own spreadsheet a little, to break down savings and the market gains as well. Still baffles me how much money your money can make.
Post by: Pooperman on June 05, 2017, 08:59:55 AM
Went back and added more info to mine so people on the slow track can see how things progress.
Thank you Pooperman, I see you just graduated to this race - congrats. I changed my own spreadsheet a little, to break down savings and the market gains as well. Still baffles me how much money your money can make.
Thanks! I actually broke down how much we've saved vs our NW. We have a savings rate of about 30% over the last 3 years and we saved about $80k. The rest has been market gains and appreciation. It's only going to get more severe from here on out, especially as our invested amount rises (~60k now).
I'll PM you a fancy spreadsheet of how I keep track of stuff that might interest you.
Post by: Beegee on June 05, 2017, 09:17:52 AM
We have almost completely stalled at $224k because of some costly home construction projects since January 2017. We haven't saved a penny yet this year and it pains me to see the investment accounts only going up in little bits (dividend payouts and market gains).
What was supposed to be a 4-week long basement finishing project, turned into mold discovery, remediation, re-insulation, etc etc etc and THEN the basement finishing got to start. 5 months later, we are ALMOST done. Paid for everything out-of-pocket of course (had set aside money for the renos); however we are up to $46k in basement costs now, which is much higher than the $24k we'd anticipated. Anyways-- after next week, I believe the exorbitant basement spending will be done and we will be able to dump a few grand into savings with the next paycheques. I hope to hit $250k by the end of December. Fingers crossed!
Real estate not included... just counting straight-up investment accounts.
Post by: marcela on June 05, 2017, 09:42:48 AM
5/31/2017: $108,986.53
Hello! I just graduated from the 100k board on Oct- 31st I thought I would mosey over here. I'm married, 28 years old and my husband is currently finishing up school. Total household income is 56k. We rent and have no outstanding debt. Worth of our single car is not included in the calculations.
Background on net worth:
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
11/17/2016: $103,940
12/30/2916: $109,785.19
1/31/2017: $112,318.74
2/28/2017: $119,499.39
3/31/2017: $124,640.83
4/30/2017: $109,329.00
Another expensive month. 2 weddings, 1 bachelorette party, 1 birthday and a vacation. We are almost out of the woods as far as weddings go, at least for the next couple years probably. Our college friends have all either gotten married already or are partnered up and don't want to do the wedding thing. New friends tend to be older and are all married. Soon will come babies, but those are much cheaper gifts since I craft them.
Our housing subsidy ran out a month earlier than expected, we thought it would hit in July after my husband already had a paycheck under his belt. That's a $1,000 hit to the budget right there. On the bright side, my husband graduated and we will now be DINKs. He started work today and first paycheck will hit in a few weeks. We need to recalibrate the budget now. Next month will be better.
Post by: FrugalFisherman10 on June 05, 2017, 09:55:38 AM
01/01/16 : 70127at first I thought you were posting that big of increases on a daily basis..and I thought "this guy must be actively trading or something?"
01/02/16 : 71010
01/03/16 : 73416
01/04/16 : 74102
01/05/16 : 77079
01/06/16 : 79954
01/07/16 : 80915
01/08/16 : 84609
01/09/16 : 87883
01/10/16 : 90308
01/11/16 : 92726
01/12/16 : 95496
01/01/17 : 97661
----------------------
01/02/17 : 101,101
01/03/17 : 104,109
01/04/17 : 106,512
01/05/17 : 109,202
01/05/17 : 112,457
Then I realized we're not from the same country :)
Post by: tarheeldan on June 06, 2017, 10:38:00 AM
Helped by the market since I was a little spendypants last month:
+$5,119.84 (3.14%) to $168,006.69
https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0
Hoping to break 200k by the end of the year or early next!
Post by: nyxst on June 06, 2017, 05:38:53 PM
Post by: JLee on June 06, 2017, 06:00:28 PM
I hit 100k in my savings/investments at the end of May. I can't even believe it! :) So, I wanna join in.... But can you tell me if you are posting net worth or if you are posting savings/investment totals? Or should I just do either and identify it?
I'm posting net worth including estimated real estate equity (at a fixed value, not increasing it as the market continues to rise) and a conservative estimate for vehicle values.
Post by: Raenia on June 06, 2017, 06:48:37 PM
I hit 100k in my savings/investments at the end of May. I can't even believe it! :) So, I wanna join in.... But can you tell me if you are posting net worth or if you are posting savings/investment totals? Or should I just do either and identify it?
Whichever you prefer, different people are using whatever makes sense for them.
Post by: nyxst on June 06, 2017, 07:19:00 PM
January - $81,279.42
February - $88,887.09
March - $91,141.45
April - $96,365.54
May - $100,283.34 :) :) :) :)
Hopefully the trend doesn't slow down, but I think the market has put a lot of help into these numbers. Anyway, slow and steady.
Post by: Canadian Ben on June 07, 2017, 07:42:37 AM
Post by: marcela on June 07, 2017, 07:44:58 AM
Post by: SpareChange on June 07, 2017, 09:09:29 AM
I rent and don't consider my car an asset, so my numbers are based just on what's in my accounts.
Ditto.
Post by: Mustachio Bashio on June 07, 2017, 10:37:28 AM
I rent and don't consider my car an asset, so my numbers are based just on what's in my accounts.
Ditto.
Samesies. Investments and cash pretty much.
Post by: merlin7676 on June 08, 2017, 08:20:19 AM
So I only include savings/investments. Specifically 401K, IRA, index fund, company stock, and 1 individual stock plus savings account.
Post by: Gardo on June 08, 2017, 07:34:38 PM
20170529: $103.6K
Post by: SubL stache on June 09, 2017, 11:48:15 PM
I found MMM November of last year and have been tracking my net worth and savings rate since that time. Seems there is some variance on whether to use net worth or investments, but I am focusing on getting my investments up to achieve the power of compounding growth. Savings rate has been around 45% this year. I have quite a bit of equity built up, net worth includes home at a fixed price net of commission - no vehicles or personal property and includes cash emergency fund. Investments are 401k, IRAs, 529 plans, and HSA invested index funds.
Investments:
Nov 16: 70,759
Dec 16: 76,479
Jan 17: 85,166
Feb 17: 92,088
Mar 17: 97,278
Apr 17: 99,905
May 17: 104,750
Net Worth:
Nov 16: 209,474
Dec 16: 216,673
Jan 17: 221,289
Feb 17: 228,432
Mar 17: 231,849
Apr 17: 237,479
May 17: 243,016
Post by: felixbf on June 12, 2017, 01:12:49 AM
107,528.61
Post by: SpareChange on June 12, 2017, 08:47:20 AM
Hi,just jumped ship a few days ago from the 100k CLUB.
107,528.61
Welcome!!
Post by: SDH on June 13, 2017, 09:03:21 AM
Post by: Pooperman on June 13, 2017, 09:20:50 AM
Post by: batemama on June 13, 2017, 10:25:38 AM
| Jan 2017 | $95,935.00 |
| Feb 2017 | $102,680.38 |
| Mar 2017 | $106,179.60 |
| Apr 2017 | $114,727.99 |
| May 2017 | $123,067.57 |
Post by: erp on June 14, 2017, 09:58:28 AM
June 2017 - 127k
Post by: HoneyChaseZippy on June 15, 2017, 04:27:32 PM
2/17 $177,265
3/17 $193,538
4/17 $196,757
5/17 $196,023
6/17 $199,148
Post by: Canadian Ben on June 15, 2017, 04:45:22 PM
Oct/16 77000
Nov/16 82700
Dec/16 93200
Jan/16 103,720
Feb/16 119,800
Mar/16 127,400
Apr/16 140,376
May/16 148,000
Can't wait for the sale of my home, in order to free over 40k of equity to put into investments.
After living in the place for 3 years, it has lost 15k in value. Sigh.
Post by: TryingtoFIREinLAnow on June 15, 2017, 07:44:20 PM
5/01/2017: $198,4566/15/2017: $213,996 - Market up a little before the latest Trump drama, car in the shop and DW dentist visit meant no additional $ in beyond the retirement/regular addition, but CC churning just got DW and I free plane tix to a friend's destination wedding!
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.
Post by: Gardo on June 15, 2017, 07:51:26 PM
20170615: $105.4K
20170608: $105.0K
20170529: $103.6K
Post by: dystopic on June 17, 2017, 10:54:19 PM