Author Topic: Invest 50% of my take home pay in 2015.  (Read 47196 times)

ThreadPacifist

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Re: Invest 50% of my take home pay in 2015.
« Reply #100 on: June 01, 2015, 07:21:24 PM »
May update. Insurance and furnishing the nursery were the major expenses this month.

January:  70.3%
February: 51.8%
March:     92.9%
April:       76.2%
May:        72.6%

Overall: 78.82%       (Overtime in March and April skew the overall average)
« Last Edit: June 01, 2015, 07:23:25 PM by ThreadPacifist »

Cookie78

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Re: Invest 50% of my take home pay in 2015.
« Reply #101 on: June 02, 2015, 09:27:24 AM »
Update:

Jan: 46.41
Feb: 61.24
Mar: 47.30
Apr: 61.05
May: 36.11

Avg: 50.42

Includes mortgage principal payments

Peru trip cut into my May savings rate a lot. But I don't have any more major expenses planned for the remainder of the year with the exception of one or two quick flights to Phoenix and some landscaping. One more month until the property management company that is sucking as much money from me as they can is gone. I'm actually shocked I'm still above 50%, and excited to see how much I can bring that up before the end of the year.

MEJG

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Re: Invest 50% of my take home pay in 2015.
« Reply #102 on: June 05, 2015, 08:58:40 AM »
May I join late?  This is one of my new goals :)

May:
Take home SR: 49.2% (straight payroll, not taking into account 401K)
Net SR: 52.3% (with 401k)

OurTown

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Re: Invest 50% of my take home pay in 2015.
« Reply #103 on: June 11, 2015, 01:52:03 PM »
I did the math and we are already at 46%.  Yay us.

Bateaux

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Re: Invest 50% of my take home pay in 2015.
« Reply #104 on: June 13, 2015, 05:09:29 AM »
Not zure of the exact rate but my wife and I have saved over $40,000 this year.  I know it's over 50% take home.  Might be 50% greater than take home.

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Re: Invest 50% of my take home pay in 2015.
« Reply #105 on: June 13, 2015, 07:33:04 AM »
We'll more than achieve this this year, even with going to one income in the fall (he's separated from the job already, but since the school systems withhold interest-free loans to themselves from each paycheck to dole out over the summers when teachers are not on contract, he'll be paid through September - this pay is going into investments and most of it may be rolled over to buy him vested status in the state pension).


Next year, I don't see how we can do 50%, and it does bother me.


I need to see how much/if I can get our spending down, but I think we're going to need take-home of about 2k a month, and that's more than half of my pay net of taxes by itself. I'm getting a raise and will add that to the 457, and we'll keep maxing out the HSA, but I think we're going to be looking at saving ~$1200 pretax and bringing home ~$2000 post tax.


I'm going to see if we can't get expenses down enough to manage tuition out of that $2k for the bachelor's degree, but if not we'll take the excess costs out of our rather bloated savings account paying virtually no interest rather than cutting down more on retirement savings.

linuxhero

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Re: Invest 50% of my take home pay in 2015.
« Reply #106 on: June 22, 2015, 08:19:05 PM »
Halfway done with the year.  Amazing how time flies:

January: 54%
February: 56%
March: 96%
April: 64%
May: 58%
June: 57%
----------------
Average: 64%

The investments contributed year to date are in:
Before tax 401K contributions and company match: $4.1k
My Roth IRA: $21.9k
Wife's Traditional IRA: $5.5k
HSA: $3.3k

bzzzt

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Re: Invest 50% of my take home pay in 2015.
« Reply #107 on: June 24, 2015, 09:11:14 PM »
Between investments and mortgage principal, I'm at 53% halfway through the year.

Some investments have performed poorly this year, so I'm going to re-focus on early mortgage payoff. Financially, it's not as smart as investing, but the piece of mind would be huge.

Rosy

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Re: Invest 50% of my take home pay in 2015.
« Reply #108 on: June 24, 2015, 10:27:30 PM »
My goal for 2015 is to save $1500 a month which is 50% of my income. By June that would be $9000, but I'm at $8000, working on recapturing first $500 in July then another $500 by Aug/Sep to remain on track.

Jan and Feb
paid off last credit card $ 3000. total

March to May
saved $ 4500. total

June saved  $500
blew $1000 on jewelry - 6 months seems to be the longest I can go without caving. Already started a sidehustle which will net me $500 in July and I'll see what I can do about recapturing the other $500 so I'll stay on track.

Bottomline - $5000 cash now - July will be 1500 plus an extra $ 500 from a sidehustle. Still need another $500 to recapture the funds I blew on Jewelry.
Working on finding a good place to park $5000 emergency fund - not sure if Union at 5% would be a good idea.

mandy_2002

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Re: Invest 50% of my take home pay in 2015.
« Reply #109 on: June 25, 2015, 08:42:03 AM »

June saved  $500
blew $1000 on jewelry - 6 months seems to be the longest I can go without caving. Already started a sidehustle which will net me $500 in July and I'll see what I can do about recapturing the other $500 so I'll stay on track.

Bottomline - $5000 cash now - July will be 1500 plus an extra $ 500 from a sidehustle. Still need another $500 to recapture the funds I blew on Jewelry.
Working on finding a good place to park $5000 emergency fund - not sure if Union at 5% would be a good idea.

If you know you blew it, and you know you caved, is there any way to return the jewelry to get back on track?  Would this make you feel better and prevent another cave?  I'm the kind of woman who wears a watch and two rings (for a total spent of less than $100 over the last 8 years), so I would find it hard to stomach a purchase that was 33% of my monthly take-home pay. 

WerKater

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Re: Invest 50% of my take home pay in 2015.
« Reply #110 on: June 25, 2015, 11:07:22 AM »
To get through this you have to invest 50% of your take home pay in 2015.
June update. Remember, my goal is 70%.

Month IncomeInvested Ratio
Jan2906 1702 59%
Feb4798 3702 77%
Mar2862 2702 94%
Apr3968 3030 76%
May2842 2550 90%
Jun3692 2772 75%
Total2106716459 78%

2Birds1Stone

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Re: Invest 50% of my take home pay in 2015.
« Reply #111 on: June 25, 2015, 11:12:05 AM »
I've been able to blow my 50% savings rate out of the park so far.

YTD I am at ~67%

Extremely happy with this number as it SIGNIFICANTLY cuts down FIRE date.

Rosy

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Re: Invest 50% of my take home pay in 2015.
« Reply #112 on: June 26, 2015, 08:54:37 PM »
Mandy - ahem, that $1000 is after I already returned about $950 in Jewelry (but only because they were not a good value or just didn't work with my own pieces). I do love jewelry and gemstones and I am part gemstone collector and part jewelry junkie. I am replacing the money, already got the first $500 through a side hustle and as of today I know for sure that I can replace the second $500 with an $200 extra in July and $300 in August. Damage control - check!
I had promised myself a sabbatical, at least until January of next year, so I am not very happy with myself right now.

I have a few gemstones that I bought for investment purposes about three years ago. I knew it was a high risk to take, one I had absolutely no business taking in the first place - but I did and it looks like it will pay off. I just got lucky, but it's not something I will risk again. It was foolish but a huge rush - because I just knew:) that the values would rise:) and they did.


June saved  $500
blew $1000 on jewelry - 6 months seems to be the longest I can go without caving. Already started a sidehustle which will net me $500 in July and I'll see what I can do about recapturing the other $500 so I'll stay on track.

Bottomline - $5000 cash now - July will be 1500 plus an extra $ 500 from a sidehustle. Still need another $500 to recapture the funds I blew on Jewelry.
Working on finding a good place to park $5000 emergency fund - not sure if Union at 5% would be a good idea.

If you know you blew it, and you know you caved, is there any way to return the jewelry to get back on track?  Would this make you feel better and prevent another cave?  I'm the kind of woman who wears a watch and two rings (for a total spent of less than $100 over the last 8 years), so I would find it hard to stomach a purchase that was 33% of my monthly take-home pay. 


I get your point, Mandy, but jewelry and gemstones give me such joy, that no, I'm totally thrilled to own a beautiful collectors piece. That guilty twinge is only a fleeting moment. It is the fact that I blew my own plan that totally ticks me off. I know it is a good and important plan and I aim to stick with it. It showed me that I need to not just get, but keep my priorities straight.

To answer your question "Would that make you feel better?" Replacing the money will make me feel a lot better. Actually, I am about finished with my jewelry collection. I set out to complete some pieces I had bought over the years, adding a ring or an earring to turn them into a set. I also have a small list of new pieces I really wanted which I have been patiently aquiring - hunting for a good deal takes time.
For me it is mainly about the gemstones, there are only a couple of rare gems that I would still like to own, but those are expensive enough that I am not even thinking about getting them until I have a full years worth of living expenses in my account. 
If I get lucky and it looks like I will, I should be able to sell off one of the gems I bought for investment and recoup a good chunk of what I spent in the last 3 years. 
At heart I am a rockhound and if you give me a pretty stone you found by the river I am as thrilled as if you had given me an emerald - I just love rocks:)
Don't get me wrong, in terms of the jewelry and gemstone world mine is just a small collection, but it is exactly what I have always wanted and I derive great pleasure from it - sort of a bucket list if you will:)

So I guess in essence I have two conflicting goals and that is the real reason I caved, because my hearts desire is with the gemstones and my brain tells me I need to save up one years worth of income. ... and I will do both, even if it is a "rocky" road for me.
 
 

link_417

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Re: Invest 50% of my take home pay in 2015.
« Reply #113 on: June 27, 2015, 09:55:35 AM »
Really OT but I feel like this might sound creepy in a PM:

Actually, I am about finished with my jewelry collection. I set out to complete some pieces I had bought over the years, adding a ring or an earring to turn them into a set. I also have a small list of new pieces I really wanted which I have been patiently acquiring - hunting for a good deal takes time.
For me it is mainly about the gemstones, there are only a couple of rare gems that I would still like to own, but those are expensive enough that I am not even thinking about getting them until I have a full years worth of living expenses in my account. 
If I get lucky and it looks like I will, I should be able to sell off one of the gems I bought for investment and recoup a good chunk of what I spent in the last 3 years. 
At heart I am a rockhound and if you give me a pretty stone you found by the river I am as thrilled as if you had given me an emerald - I just love rocks:)
Don't get me wrong, in terms of the jewelry and gemstone world mine is just a small collection, but it is exactly what I have always wanted and I derive great pleasure from it - sort of a bucket list if you will:) 

Rosy -- Do you have a journal here or a blog somewhere that shows your collection and talks about what pieces you hope to acquire?  I don't wear jewelry but this seems really fascinating.  Sorry if that's something personal or a security issue, please feel free to tell me to mind my own business :)

Back on topic:  With my raise (whenever it comes), I think I will finally be able to invest 50% of my take-home pay.  It'll probably take a month to absorb the one-time purchases and fees I'll have to pay due to my move, but after that it should be smooth sailing.  Investing priority will be Roth IRA, then student loans, then taxable accounts.

MEJG

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Re: Invest 50% of my take home pay in 2015.
« Reply #114 on: July 01, 2015, 05:54:07 AM »
I calculated my last months savings incorrectly.  I use mint and often split the last check of the month into the next month's "income."  Which while it works for budgeting throws my numbers to hell.  So I sorted that out in the spread sheet I'm working on.

May:         Take home SR: 46%,       Net SR, 49% 
June:        Take home SR: 64%        Net SR 66.69%

Average:   Take home SR: 54.87%,   Net SR 57.85%
Average reflects changes in pay.

fb132

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Re: Invest 50% of my take home pay in 2015.
« Reply #115 on: July 01, 2015, 06:12:26 AM »
2015    % Invested
January     33,08%
February     88.34%
March        41.73%
April             17.83%
May            43.15%
June           142.36%
July            52.62%

YTD            53.56%
« Last Edit: August 03, 2015, 06:35:55 PM by fb132 »

Rosy

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Re: Invest 50% of my take home pay in 2015.
« Reply #116 on: July 01, 2015, 02:31:39 PM »
Do you have a journal here or a blog somewhere that shows your collection and talks about what pieces you hope to acquire?  I don't wear jewelry but this seems really fascinating.  Sorry if that's something personal or a security issue, please feel free to tell me to mind my own business :)

Back on topic:  With my raise (whenever it comes), I think I will finally be able to invest 50% of my take-home pay.  It'll probably take a month to absorb the one-time purchases and fees I'll have to pay due to my move, but after that it should be smooth sailing.  Investing priority will be Roth IRA, then student loans, then taxable accounts.



@ link_417
Thanks for asking link:) No blog or journal at present, still trying to find my way around MMM. Here is to hoping your raise will arrive soon:) Cheers!

peterpatch

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Re: Invest 50% of my take home pay in 2015.
« Reply #117 on: July 01, 2015, 02:32:25 PM »
Hi Everyone,

My apologies for the late updates, my right hand is suffering some sort malady which has made typing difficult, so I have been avoiding this while I heal.

I use mint.com and a spreadsheet to track my personal expenses and I was a bit worried that the numbers that were being produced were inaccurate. I was scratching my head because I was sending tons of my cash to the retirement accounts but my spreadsheet made me look like I was leading an ostentatious 40% savings rate lifestyle.

Therefore I did a little study and indeed the numbers weren't being reported properly.

Subtracting all expenses from income sounds simple enough but when you get account transfers, reimbursable work expenses, and gifts in the mix it makes it a little bit complicated. Unfortunately mint.com doesn't integrate well with all my financial services so I have to do some of the work manually.

I did a rough check on my savings rate by simply dividing all the amounts I deposited into my retirement accounts by my take home income ( including pension benefit). H1 2015 savings rate according to this rough estimate is :

Month   
1   11%
2   68%
3   11%
4   11%
5   150%
6   83%
H1 2015    66%

However I was able to rescue some stranded money that was lying dormant in savings accounts and there is probably some deposits that were earned in 2014. That would make this savings rate a little inflated.

So I fixed up my personal profit spreadsheet and here are the updated figures.

Month   
1   47%
2   63%
3   44%
4   67%
5   69%
6   55%
H1 2015   55%

The amazing thing is that my expenses include money set aside for car insurance and yearly vacations. I am thinking of also starting a car purchase fund. If my wife and I put aside ~$150 each a month now then we should have $14.4K saved in four years. We should be able to buy a nice a nice used car with this money and it'll be in cash so no interest payments!

There a lot of amazing savings stories in this thread so everyone please keep up the effort!

ThreadPacifist

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Re: Invest 50% of my take home pay in 2015.
« Reply #118 on: July 01, 2015, 09:48:17 PM »
June update. What an awful month for saving. Deer are the #1 enemy of mustachianism since they totaled my car. I ended up using part of my savings to pay for it, so any savings this month went back to refilling the emergency fund. On the plus side, I didn't have to take on any debt to pay for the car, so yay for savings.

Savings rate without the car: 76.9%
Savings rate with the car: 7.6%

January:  70.3%
February: 51.8%
March:     92.9%
April:       76.2%
May:        72.6%

Total rate for the year without the car:78.5%
Total rate for the year with the car: 69.95%

Not really sure which number is better to use, the one with the car is the true savings rate, but large one-time purchases kind of skew the overall picture.

mandy_2002

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Re: Invest 50% of my take home pay in 2015.
« Reply #119 on: July 02, 2015, 09:33:18 AM »
June update. What an awful month for saving. Deer are the #1 enemy of mustachianism since they totaled my car. I ended up using part of my savings to pay for it, so any savings this month went back to refilling the emergency fund. On the plus side, I didn't have to take on any debt to pay for the car, so yay for savings.

Savings rate without the car: 76.9%
Savings rate with the car: 7.6%

January:  70.3%
February: 51.8%
March:     92.9%
April:       76.2%
May:        72.6%

Total rate for the year without the car:78.5%
Total rate for the year with the car: 69.95%

Not really sure which number is better to use, the one with the car is the true savings rate, but large one-time purchases kind of skew the overall picture.

Life happens, and sometimes it sucks, but 69.95% is still an awesome number.  This is about saving in the real world, where things happen, so I'd use the "with car" number.  Note that even when you include the car, you STILL have a positive savings rate for June, which is obviously BA.  I'd consider it a victory over the natural world. 

mandy_2002

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Re: Invest 50% of my take home pay in 2015.
« Reply #120 on: July 02, 2015, 11:51:08 AM »
My monthly update:
January:  53.7%
February: 39.4%       
March:     97.2%         (Feb lack of savings went into March)
April:       58.3%
May:        93.7%         (3 paycheck month, with residual cash moved into savings)
June:       66.2%

YTD:  74.7%        (Not the same as the average of above because of variations in pay)

Year end goal:  65%

peterpatch

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Re: Invest 50% of my take home pay in 2015.
« Reply #121 on: July 15, 2015, 06:19:18 PM »
July saved 67%

Year-to-Date saved 57%


linuxhero

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Re: Invest 50% of my take home pay in 2015.
« Reply #122 on: July 24, 2015, 09:27:30 AM »
Monthly update:

January: 54%
February: 56%
March: 96%
April: 64%
May: 58%
June: 57%
July: 56%
----------------
Average: 63%

The investments contributed year to date are in:
Before tax 401K contributions and company match: $8.1k
My Roth IRA: $21.9k
Wife's Traditional IRA: $5.5k
HSA: $3.8k


Was wondering how/if I should be including reinvested dividends in the above percentage and how I would do that?

mandy_2002

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Re: Invest 50% of my take home pay in 2015.
« Reply #123 on: July 24, 2015, 11:35:43 AM »
Was wondering how/if I should be including reinvested dividends in the above percentage and how I would do that?

I personally don't take reinvested dividends into account for my income or investment, but if you did, add it to both.  I see it as a growth more than an income until I actually take a distribution. 

WerKater

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Re: Invest 50% of my take home pay in 2015.
« Reply #124 on: July 24, 2015, 12:16:27 PM »
To get through this you have to invest 50% of your take home pay in 2015.
July update. Remember, my goal is 70%.

Month IncomeInvested Ratio
Jan2906 1702 59%
Feb4798 3702 77%
Mar2862 2702 94%
Apr3968 3030 76%
May2842 2550 90%
Jun3692 2772 75%
Jul2925 1934 66%
Total2399218393 77%

johnny847

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Re: Invest 50% of my take home pay in 2015.
« Reply #125 on: July 24, 2015, 09:04:35 PM »
Was wondering how/if I should be including reinvested dividends in the above percentage and how I would do that?

I personally don't take reinvested dividends into account for my income or investment, but if you did, add it to both.  I see it as a growth more than an income until I actually take a distribution.

linuxhero, I don't quite see the logic in counting dividends as part of income. If the company decided to hold onto the dividend to expand their business in an effort to increase their stock price, then could return value to you without issuing you a dividend. How a company pays you, through capital appreciation or dividends, should not have any effect on your savings rate. You have no control over whether you receive a dividend or not.

mandy_2002

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Re: Invest 50% of my take home pay in 2015.
« Reply #126 on: July 31, 2015, 04:09:45 PM »
My monthly update:
January:  53.7%
February: 39.4%       
March:     97.2%         (Feb lack of savings went into March)
April:       58.3%
May:        93.7%         (3 paycheck month, with residual cash moved into savings)
June:       66.2%
July:        70.0%       

YTD:  74.2%        (Not the same as the average of above because of variations in pay)

Year end goal:  65%

My Cost of Living adjustment will be falling in August; we'll see how that impacts my savings rate. 

CCCA

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Re: Invest 50% of my take home pay in 2015.
« Reply #127 on: July 31, 2015, 04:31:26 PM »
Through the end of July, I have contributed 113% of my take home pay to my retirement accts (I get both a 457b and 403b). 
My wife has contributed 46% to her retirement accts (403b). 
Together, we are at 81%.

zoltani

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Re: Invest 50% of my take home pay in 2015.
« Reply #128 on: July 31, 2015, 04:45:01 PM »
I have been shooting for this goal before I even saw this thread, but want to join in the fun. Here are my numbers:

Jan 39%
Feb 53%
Mar 41%
Apr 33%
May 61%
June 34%
July 55%
YTD 45%

Missing my goal by 5% so far this year. I hope to beef up the savings in the next few months. Had some home expenses earlier in the year (and taxes!) that hurt the numbers.

ThreadPacifist

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Re: Invest 50% of my take home pay in 2015.
« Reply #129 on: August 02, 2015, 02:06:48 PM »
July update:

January:  70.3%
February: 51.8%
March:     92.9%
April:       76.2%
May:        72.6%
June:       7.59%  (car totaled)
July:        83.5%

YTD: 70%

A bonus helped boost my savings percentage for July, but overall, this was the lowest spending amount since March.


McStache

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Re: Invest 50% of my take home pay in 2015.
« Reply #130 on: August 03, 2015, 06:04:45 PM »
I'm in.  Last year I landed at 61% and this year I am aiming to be at >70% and stretch >75%.  Currently I'm sitting at 72%, so 75% looks possible especially as my income should be higher for the rest of the year.

January      66%
February     73%
March         78%
April           80%
-------------------------
Average      75%

Sitting right at my stretch goal right now.  Hopefully I can sustain it for the year.

January      66%
February     73%
March         78%
April           80%
May            81%
June           55%
July            36%
-------------------------
Average      69%

I had a lot of expenses pile on in June and July that brought my overall rate down to just below my goal of 70%, but I still think I have a shot of hitting 75% as Q4 tends to be higher income than the rest of the year.

fb132

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Re: Invest 50% of my take home pay in 2015.
« Reply #131 on: August 03, 2015, 06:36:34 PM »
2015    % Invested
January     33,08%
February     88.34%
March        41.73%
April             17.83%
May            43.15%
June           142.36%


July            52.62%

YTD            53.56%

chantlmartin

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Re: Invest 50% of my take home pay in 2015.
« Reply #132 on: August 04, 2015, 01:28:47 PM »
I'm in! My goal is actually to live off of my side-job income and invest 100% of my take-home from my main job in 2015. Let's see how this goes, but so far so good.

Wow! I love this goal... I'm going to join you in doing that!

sisto

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Re: Invest 50% of my take home pay in 2015.
« Reply #133 on: August 04, 2015, 01:57:55 PM »
I was pretty sure I was already meeting this goal on my own, but today I decided to do the math to make sure.

I'm at 54% not including mortgage principal

I feel pretty good about that. Let's do this!

MEJG

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Re: Invest 50% of my take home pay in 2015.
« Reply #134 on: August 06, 2015, 12:29:35 PM »
May SR: 49.2%
June SR: 66.7%
July SR: 62.4%

Average SR: 59.0%

Doing good so far.  We're going to set our sites on 75% for next year.  I did not include the interest forgiveness on one of our loans this month, but that made a HUGE difference to NW.

WerKater

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Re: Invest 50% of my take home pay in 2015.
« Reply #135 on: August 25, 2015, 10:02:26 AM »
To get through this you have to invest 50% of your take home pay in 2015.
August update. Remember, my goal is 70%.

Month IncomeInvested Ratio
Jan2906 1702 59%
Feb4798 3702 77%
Mar2862 2702 94%
Apr3968 3030 76%
May2842 2550 90%
Jun3692 2772 75%
Jul2925 1934 66%
Aug2966 2082 70%
Total2695820476 76%

peterpatch

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Re: Invest 50% of my take home pay in 2015.
« Reply #136 on: August 25, 2015, 05:53:54 PM »
Holding steady at 57% saved YTD.


McStache

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Re: Invest 50% of my take home pay in 2015.
« Reply #137 on: August 25, 2015, 06:34:57 PM »
Goal is >=70%, stretch goal is >=75%

January      66%
February     73%
March         78%
April           80%
May            81%
June           55%
July            36%
August        82%
-------------------------
Average      71%

Heading back in the right direction

linuxhero

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Re: Invest 50% of my take home pay in 2015.
« Reply #138 on: August 26, 2015, 08:02:16 PM »
Monthly update:

January: 54%
February: 56%
March: 96%
April: 64%
May: 58%
June: 57%
July: 56%
August: 53%
----------------
Average: 61%

The investments contributed year to date are in:
Before tax 401K contributions and company match: $10.5k
My Roth IRA: $21.9k
Wife's Traditional IRA: $5.5k
HSA: $4.4k

kaposzta

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    • Years Until FIRE Calculator
Re: Invest 50% of my take home pay in 2015.
« Reply #139 on: August 27, 2015, 03:06:29 AM »
I'm in! For a long time, only 35% of my salary went for investing, and when I accumulated a fair amount on my checking account later, I invested it. Now I'm at 54%, and I'm planning to increase it over 60% next year (due to salary increase and cost reduction).

ThreadPacifist

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Re: Invest 50% of my take home pay in 2015.
« Reply #140 on: September 01, 2015, 06:24:02 PM »
January:  70.3%
February: 51.8%
March:     92.9%
April:       76.2%
May:        72.6%
June:       7.59%  (car totaled)
July:        83.5%
August:   85.27%

YTD: 71.72%

Happy with the August results. Our baby will be born in September, so we'll see what effects that will have on the savings rate.

fb132

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Re: Invest 50% of my take home pay in 2015.
« Reply #141 on: September 01, 2015, 06:33:38 PM »
2015    % Invested
January     33,08%
February     88.34%
March        41.73%
April             17.83%
May            43.15%
June           142.36%
July            52.62%
August       30.90%

YTD            50.34%

mandy_2002

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Re: Invest 50% of my take home pay in 2015.
« Reply #142 on: September 02, 2015, 10:54:51 AM »
My monthly update:
January:  53.7%
February: 39.4%       
March:     97.2%         (Feb lack of savings went into March)
April:       58.3%
May:        93.7%         (3 paycheck month, with residual cash moved into savings)
June:       66.2%
July:        70.0%       
August:   110.4%       (Money from e-fund - not originally marked as savings - moved to take advantage of stock drop)

YTD:  77.8%     

Year end goal:  65%

zoltani

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Re: Invest 50% of my take home pay in 2015.
« Reply #143 on: September 03, 2015, 01:37:19 PM »
Jan 39%
Feb 53%
Mar 41%
Apr 33%
May 61%
June 34%
July 55%
Aug 49%
YTD 45.6%

Still have a lot of work to do to bump the YTD to 50%

Cookie78

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Re: Invest 50% of my take home pay in 2015.
« Reply #144 on: September 04, 2015, 09:29:53 AM »
Update:
Jan   57.82
Feb   69.45
Mar   59.29
Apr   69.86
May   52.16
Jun   63.44
Jul   67.79
Aug   71.29

Hopefully all my major expenses this year are over and I can keep the remaining months in the 70s

linuxhero

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Re: Invest 50% of my take home pay in 2015.
« Reply #145 on: September 22, 2015, 02:01:41 PM »
Monthly update:

January: 54%
February: 56%
March: 96%
April: 64%
May: 58%
June: 57%
July: 56%
August: 53%
September: 51%
----------------
Average: 60.5%

The investments contributed year to date are in:
Before tax 401K contributions and company match: $15.8k
My Roth IRA: $21.9k
Wife's Traditional IRA: $5.5k
HSA: $4.9k

WerKater

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Re: Invest 50% of my take home pay in 2015.
« Reply #146 on: September 25, 2015, 01:52:09 PM »
To get through this you have to invest 50% of your take home pay in 2015.
September update. Remember, my goal is 70%.

Month IncomeInvested Ratio
Jan2906 1702 59%
Feb4798 3702 77%
Mar2862 2702 94%
Apr3968 3030 76%
May2842 2550 90%
Jun3692 2772 75%
Jul2925 1934 66%
Aug2966 2082 70%
Sep2782 1802 65%
Total2974022278 75%

Heckler

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Re: Invest 50% of my take home pay in 2015.
« Reply #147 on: September 25, 2015, 04:29:13 PM »
Including mortgage payments, we are currently at 41% of our annual gross (before tax) income going to savings and mortgage free living, so Ill bet we are above 50% of take home, and certainly will be in three months.

2Birds1Stone

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Re: Invest 50% of my take home pay in 2015.
« Reply #148 on: September 26, 2015, 10:14:15 AM »
To get through this you have to invest 50% of your take home pay in 2015.
September update. Remember, my goal is 70%.

Month IncomeInvested Ratio
Jan2906 1702 59%
Feb4798 3702 77%
Mar2862 2702 94%
Apr3968 3030 76%
May2842 2550 90%
Jun3692 2772 75%
Jul2925 1934 66%
Aug2966 2082 70%
Sep2782 1802 65%
Total2974022278 75%

Very impressive!

WerKater

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Re: Invest 50% of my take home pay in 2015.
« Reply #149 on: September 26, 2015, 10:45:52 AM »
To get through this you have to invest 50% of your take home pay in 2015.
September update. Remember, my goal is 70%.

Month IncomeInvested Ratio
Jan2906 1702 59%
Feb4798 3702 77%
Mar2862 2702 94%
Apr3968 3030 76%
May2842 2550 90%
Jun3692 2772 75%
Jul2925 1934 66%
Aug2966 2082 70%
Sep2782 1802 65%
Total2974022278 75%

Very impressive!
Thanks! The percentage might go down a bit further since I ordered new glasses today (for the last week the old ones have been holding together only because of liberal application of duct tape). And because I might yet replace my bike. But I think I will be able to manage the 70% for the full year!