Race from 10 to 100k!!

[Trifle]

Welcome Richard!   You're right that with both of you maxing out, you will be at $100k before you know it, and then it's on to the next race (to $250k).   :)

[andy85]

Jan 16	$39,550
Feb 16	$41,468
Mar 16	$47,974
Apr 16	$51,484
May 16	$52,730
Jun 16	$53,694
Jul 16	$55,669
Aug 16	$56,725
Sep 16	$58,793
Oct 16	$58,748
Nov 16	$60,551
Dec 16	$61,253
Jan 17	$64,001
Feb 17	$66,905

[Epor]

My very first post:
(RothIra + 401k + Mutual Funds)

03/01/2017 - $58131

[prickly_turing]

First post.  Was near zero around Q4 2015 due to transitioning from school to software engineering job.  "Accidentally" saved a lot the first year due by avoiding too much lifestyle inflation (biking to work, rent is actually less expensive than while in school, etc). 

Got a promotion and large raise (25 percent) in Q4 2017, discovered this forum, and decided to start saving deliberately.  I've been formally tracking my net worth since January.  This is emergency fund (cash in bank) plus retirement and non-retirement investments (no debts to account for).

Jan 1 2017   $53743
Feb 1 2017   $59995
Mar 1 2017   $65150

My goal is to reach 100k by November 1 2017.

[Trifle]

Welcome Eporedia and Prickly_Turing!  2017 is going to be one fine year . . .

[katthjul]

EOY 2014: €0
EOY 2015: €16,728
EOY 2016: €41,467
Jan 2017: €42,037
Feb 2017: €45,956

Just realized I have not posted my progress since September.

[Mezzie]

I'm at just over $58k. Past the halfway mark!

[felixbf]

Dec 53,572.89
Jan 63,000.00

Finished all my debt off last year really helped increasing my savings ratio.

67,658.50

[Epor]

Welcome Eporedia and Prickly_Turing!  2017 is going to be one fine year . . .

I sure hope so. I want to get rid of some of my debt:

1. About 4k in hospital/clinic bills (My son tonsillectomy and then my girl fell and hit her chin). Insurance covered some, but between deductibles/etc I still have about 4k. I'm paying about 400/mo for now so they do not send me to collections (they do not charge any interest on this one).

2. Finish paying my car (mustache alert -> got the car used, after my 600$ car heating system died. I live in NW Wisconsin). I still owe 4900 on it, 3.49% interest.

Good news for the year:
1. Received a modest 3% increase that will be all applied to my 401k.
2. Small bonus coming - probably 2k. I plan to put 500 on kids 529 college + 500 on car payment and the rest on mutual funds.

Thank you for always keeping us honest!

[monstermonster]

3/1/2016: $10,106
4/1/2016: $10,624
5/1/2016: $14,504
6/31/2016: $18,193
7/30/2016: $19,296
8/30/2016: $21,334
10/23/2016: $18,326 <-- Quit job, started business
11/31/2016: $16,259
12/31/2016: $18,386
1/31/2017: $17,583
2/28/2017: $24,430


This thread was getting depressing for a bit for me as I started my business, but things are finally starting to look up. Starting a business is hard on the income for a bit :-/

[BeautifulDay]

This thread was getting depressing for a bit for me as I started my business, but things are finally starting to look up. Starting a business is hard on the income for a bit :-/

Glad to hear things are looking up, and after only a few months.  I think that's great progress.   I've enjoyed reading about your self employment adventure, but need to catch up after a break from the forum. 

DH and I are planning to start our own self employ venture within the next year.  Hopefully we will be as fortunate (hardworking) as you.

[LurkerStache]

Sep 2016: 51598.42
Oct 2016: 54210.76
Nov 2016: 57821.07
Dec 2016: 59471.44
Jan 2017: 63,813.13
Feb 2017: 66,722.32

[Trifle]

Nice progress LurkerStache!!

@Eporedia -- shout out to Wisconsin!  I lived there for many years.  Just moved away last year.

[Nederstash]

Aug 15: 5327 (found MMM)
Sep 15: 5775
Oct 15: 6964
Nov 15: 8551
Dec 15: 12085
Jan 16: 12700
Feb 16: 13691
Mar 16: 14818
Apr 16: 16220
May 16: 17510
Jun 16: 21149
Jul 16: 22024
Aug 16: 23325
Sep 16: 24285
Oct 16: 25400
Nov 16: 26932
Dec 16: 31121
Jan 17: 31444
Feb 17: 42849 (** finally checked my house value again, thus the extra 10k increase)
Mar 17: 43989

Was disappointed to see only 1140 increase... but then I remembered I also paid 840 in taxes last week.

[BCpuppy]

Starting now!
Feb 2016 39,500

March 41,627

[Slow&Steady]

I only really track my 401k balance (at end of month) and only for the last couple years. 

In my 20s I put something like 10% in and thought I was doing great (better than average), we also tackled 1 student loan, 2 car loans, credit card debt, and bought our 1st home (now a rental).  For the last several years I have only been putting 6% (plus a company match) into the 401k, while we saved for a wedding, down payment on a house, started a family, went to 1 steady income and 1 self employed income, and are continuing the last student loan.  We are still working on paying off my last student loan and building the self employed income but I am really hoping to hit $100k in the 401k sometime in 2018, if the self employed income starts taking off and we can contribute more to an IRA I will add that into the calculations too.

Dec 2013: $43,660
Dec 2014: $52,943
Dec 2015: $55,622
Dec 2016: $68,870
Feb 2017: $74,784

I did do a quick back of the envelope net worth calculation that included debt, primary and rental home value, and vehicle value and that put net worth around $150k, but since I don't regularly track that stuff I don't want to join the next group until the retirement accounts are above $100k.

[rg422]

New member to the forum, but I'll join, considering only our investment/cash.
4/2015  - $7,000 total savings!! (we were living like there's no tomorrow, but new job matched 100% up to 6%, so this was our  trigger to start saving)
12/2015 - $13,000
4/2016  -  $25,000 (started maxing out my 401K)
12/2016 - $52,000
3/17      - $84,000

Starting 2017, my wife and I will be contributing max to our 401Ks, ROTH and HSA (me only) so we should, hopefully, accumulate pretty fast.

- Richard

3/16/17 - 95500. I was fortunate enough to receive a pretty decent (to me) bonus last week, plus the first 6% my company matched 100% into my 401K, so our number has risen quite a bit in a couple weeks time. Hoping we cross the 100K threshold next month. I'm pretty excited.

Stay the course, everyone!!

[Trifle]

RG422 -- way to go!  You are almost there!  Very nice job

[MVal]

Happy St. Patrick's Day, my fellow green Mustachians! I'm happy to report me 401K pot o' gold just crossed $60K, bringing my total NW to over $93K! Just a few more months until I graduate to the next level!

We are champions!

[starjay]

Hi folks, I'm new to the boards, though I've been lurking for a month or so, and thought I'd jump into this thread (I'll go introduce myself in the welcome thread, too). Nice to meet y'all!

I've only started tracking my net worth this year, so:

January 2017:  $54,765.72
February 2017: $58,616.88
March 2017:     $62,304.54

I've been digging myself out of CC and other consumer debt for the past few years, and will be completely out from under the credit cards by the fall equinox - and then I anticipate seeing these numbers really take off.

[Trifle]

Welcome to the group Starjay!   Your snowball is looking great already, and will really take off in the fall!

[BeautifulDay]

One year of tracking with Mint.  Started at about $37,300 (including HSA).  Now I am just short of $100k. 

Next month we buy a house. So I'll be sticking around this thread a bit longer.  Just cool to see how much progress we've made in a year.

March 2016      $28,361.48
April 2016              $31,751.53
May 2016              $38,742.00
June 2016              $40,970.43
July 2016              $61,657.51 (added in  my HSA of about 9k into Mint)
August 2016      $64,120.62
September 2016.  $66,961.32
October 2016      $70,179.38
November 2016      $73,125.54
December 2016      $80,499.21
January 2017      $87,257.39
February 2017      $93,080.00
March 2017      $99,766.09

[Overflow]

One year of tracking with Mint.  Started at about $37,300 (including HSA).  Now I am just short of $100k. 

Next month we buy a house. So I'll be sticking around this thread a bit longer.  Just cool to see how much progress we've made in a year.

March 2016      $28,361.48
April 2016              $31,751.53
May 2016              $38,742.00
June 2016              $40,970.43
July 2016              $61,657.51 (added in  my HSA of about 9k into Mint)
August 2016      $64,120.62
September 2016.  $66,961.32
October 2016      $70,179.38
November 2016      $73,125.54
December 2016      $80,499.21
January 2017      $87,257.39
February 2017      $93,080.00
March 2017      $99,766.09

Wow, great work BeautifulDay! You made some big jumps in there.

I added my NW to my sig line, but I wanted to participate in this journal as well. We have some big expenses coming up in the next month or two (repairs/improvements around the house), so it will take a little step back.

Might be hanging out in this thread for a while.

[NickleNurser]

19,799 Jan 2016
18,990 Feb
21,803 Mar
34,510 April
37,172 May
40,277 June
47,027 July
47,772 Aug
51,071 Sept
53,397 Oct
59,326 Nov
64,142 Dec
69,685 January 2017
71,722 Feb
75,795 Mar

[felixbf]

Dec 53,572.89
Jan 63,000.00

Finished all my debt off last year really helped increasing my savings ratio.

67,658.50

77,011 March

[Trifle]

19,799 Jan 2016
18,990 Feb
21,803 Mar
34,510 April
37,172 May
40,277 June
47,027 July
47,772 Aug
51,071 Sept
53,397 Oct
59,326 Nov
64,142 Dec
69,685 January 2017
71,722 Feb
75,795 Mar

Wow NickleNurser -- nice progress.  You have the pedal to the metal! 

[dogboyslim]

Values at the beginning of the month (about)

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

So close, and yet so far.  Looking like I'll graduate sometime in late May/Early June.

[Pooperman]

Date	Networth
9/1/2014	$14,865.26
10/1/2014	$17,982.66
11/1/2014	$17,949.24
12/1/2014	$19,967.23
1/1/2015	$25,504.84
2/1/2015	$28,305.81
3/1/2015	$30,322.90
4/1/2015	$33,248.29
5/1/2015	$34,786.85
6/1/2015	$36,579.20
7/1/2015	$33,108.30
8/1/2015	$35,569.17
9/1/2015	$37,759.70
10/1/2015	$41,566.54
11/1/2015	$53,256.44
12/1/2015	$55,006.39
1/1/2016	$57,428.23
2/1/2016	$49,870.20
3/1/2016	$51,558.33
4/1/2016	$57,205.08
5/1/2016	$61,094.49
6/1/2016	$62,583.92
7/1/2016	$63,773.08
8/1/2016	$61,092.88
9/1/2016	$57,409.45
10/1/2016	$61,749.82
11/1/2016	$61,600.48
12/1/2016	$64,511.60
1/1/2017	$70,030.75
2/1/2017	$72,661.12
3/1/2017	$78,557.23
4/1/2017	$95,995.00

Like dogboy, I'll be going to the next group in the next couple of months.

[lamil]

March 2016: 8152.00
April 2016: 10915.00
Today(April 26th): $19516.00
May 31, 2016: $22,693
June 30, 2016: $27,496
July 31, 2016: $31,297
August 31, 2016: $34,286
September 30, 2016: $32,870 *new driveway
October 31, 2016: $36,980
November 30, 2016: $41,765
December 31st, 2016: $44,852
January 31st, 2017: $49,533
February 28th, 2017: $53,250

March 31st, 2017: $71,742

[merlin7676]

Great to see everybody's numbers.  And it's amazing to see how much and how quickly some of you can grow your stash.
I'm happy to say I'm almost ready to join the next group. Just a few more months (unless the market tanks).
As always I didn't include the value of my house since I don't consider it a asset until I'm ready to sell it.

06/30/15   $43,137.96
07/31/15   $44,941.13
08/31/15   $42,043.10
09/30/15   $38,770.91
10/31/15   $44,941.34
11/30/15   $46,401.01
12/31/15   $47,513.96
01/31/16   $44,058.68
02/29/16   $46,830.84
03/31/16   $58,923.60
04/30/16   $62,829.27
05/31/16   $64,177.27
06/30/16   $65,348.17
07/31/16   $69,790.01
08/31/16   $70,534.23
09/30/16   $73,742.76
10/31/16   $74,282.52
11/30/16   $77,284.23
12/31/16   $80,583.50
01/31/17   $84,085.00
02/28/17   $88,359.35
03/31/17   $93,079.53

[Wanttobehome]

Nov 2016 18595+1,296= 19,891
Dec 2016 19,091+1,425= 20,516
Jan 2017 19,586+1590= 21,176
Feb 2017 20,081+1673=21,754
Mar 2017 20,576+1828=22404


Still going up

[beantown]

Dec 2017: $16.4K
Jan 2017: $21.8K
Feb 2017: $28.8K
Mar 2017: $35.1K

[frugalwitch]

Currently at 86k but I'm going to buy a cruise and get my wisdown tooths out so it's going to go down next month :(. 78k to 86k since january !

[Trifle]

Happy weekend everyone!  Great to see your end of month numbers.

Belated congratulations to CmFtns for crossing the $100k mark. Well done!

Looks like there will be a bunch more graduations and celebrations within the next month or two:

- Beautiful Day
- RG422
- MVal
- dogboyslim
- Pooperman
- Merlin7676

Be sure to let us know when you cross the mark!  Anyone else getting close?

And we have a bunch of other folks in the $60 - $80k range, as well as new folks just making it into the 20s.  Nice job everyone. 

[AcftW]

$40,061 - Dec 2015
$43,153 - Jan 2016
$47,634 - Feb 2016
$50,404 - Mar 2016
$53,733 - Apr 2016
$54,717 - May 2016
$55,014 - Jun 2016
$59,924 - Jul 2016
$55,527 - Aug 2016
$61,117 - Sep 2016
$64,384 - Oct 2016
$56,780 - Nov 2016
$58,510 - Dec 2016
$67,328 - Jan 2017
$73,827 - Feb 2017
$79,021 - Mar 2017
$81,435 - Apr 2017

Going to be a bit dry the next month or so.  Still on track for 100k by October though!

[Rodgers12]

07/31/2015: $36,978
08/31/2015: $34,949
09/30/2015: $35,722
10/31/2015: $37,797
11/30/2015: $39,424
12/31/2015: $42,763
01/31/2016: $44,656
02/29/2016: $47,521
03/31/2016: $51,770
04/30/2016: $55,260
05/31/2016: $58,756
06/30/2016: $58,646
07/31/2016: $64,525
08/31/2016: $66,682
09/30/2016: $68,877
10/31/2016: $68,616
11/30/2016: $69,541
12/31/2016: $74,813
01/31/2017: $89,057  - Large Increase was due to purchasing a house and was gifted 9k in equity.
02/28/2017: $90,528
03/31/2017: $97,483

Getting so close to graduating! Projecting for May if the markets stay kind and my house improvements don't go over budget in April. Fingers crossed!

[Mezzie]

1/1/2017: 39,409
2/3/2017: 55,570
3/3/2017: 58,000

4/1/2017: 72,455
This included a rather large tax return.

[katthjul]

EOY 2014: €0
EOY 2015: €16,728
EOY 2016: €41,467
Jan 2017: €42,037
Feb 2017: €45,956
Mar 2017: €48,399

Just realized that the market could drop 50% and I would still have enough left to pay off all my debts.

[prickly_turing]

Jan 1 2017   $53743
Feb 1 2017   $59995
Mar 1 2017   $65150
Apr 1 2017   $70592

In March I had a higher savings rate, but the market was less exciting than it had been earlier in the year.  Net result is pretty linear month over month.  Currently on track / slightly ahead of schedule for my goal. 

[Bart1ma3u5]

Happy weekend everyone!  Great to see your end of month numbers.

Belated congratulations to CmFtns for crossing the $100k mark. Well done!

Looks like there will be a bunch more graduations and celebrations within the next month or two:

- Beautiful Day
- RG422
- MVal
- dogboyslim
- Pooperman
- Merlin7676

Be sure to let us know when you cross the mark!  Anyone else getting close?

And we have a bunch of other folks in the $60 - $80k range, as well as new folks just making it into the 20s.  Nice job everyone.

I am getting close! I have been updating the spreadsheet since the beginning, but have not posted on this thread in awhile! I can't believe I'm almost there! Hopefully participating in Uber Frugal April and a good May as well will get me over the edge in the next two months!


7/1/2014    $(5,000.00)
8/1/2014    $(4,172.00)
9/1/2014    $(1,028.00)
10/1/2014    $27.00
11/1/2014    $1,499.00
12/1/2014    $3,965.00
1/1/2015    $6,200.00
2/1/2015    $9,608.00
3/1/2015    $13,460.00
4/1/2015    $13,621.00
5/1/2015    $16,002.00
6/1/2015    $18,752.00
7/1/2015    $16,873.00
8/1/2015    $27,693.00
9/1/2015    $28,364.00
10/1/2015    $31,000.00
11/1/2015    $36,549.00
12/1/2015    $38,978.00
1/1/2016    $45,436.00
2/1/2016    $44,712.00
3/1/2016    $47,800.00
4/1/2016    $53,205.00
5/1/2016    $57,500.00
6/1/2016    $57,100.00
7/1/2016    $59,000.00
8/1/2016    $60,000.00
9/1/2016    $63,288.00
10/1/2016    $64,200.00
11/1/2016    $66,165.76
12/1/2016    $69,165.00
1/1/2017    $77,441.00
2/1/2017    $80,546.00
3/1/2017    $86,211.00
4/1/2017    $91,562.00

[Trifle]

Happy weekend everyone!  Great to see your end of month numbers.

Belated congratulations to CmFtns for crossing the $100k mark. Well done!

Looks like there will be a bunch more graduations and celebrations within the next month or two:

- Beautiful Day
- RG422
- MVal
- dogboyslim
- Pooperman
- Merlin7676
- Rodgers12
- Bart1Ma3u5

Be sure to let us know when you cross the mark!  Anyone else getting close?

And we have a bunch of other folks in the $60 - $80k range, as well as new folks just making it into the 20s.  Nice job everyone.

Edited to add Rodgers12 and Bart1Ma3u5 to the crew of people getting close.  Big celebrations ahead!

[Epor]

(RothIra + 401k + Mutual Funds)   
3/1/2017   58135.00
4/1/2017   60236.00

[TheCastle]

Jan 17:  $19,166.96
Feb 17:  $20,947.41
Mar 17:  $21,475.05
April 17:  $27,876.31

[edmundblackadder]

DING DING DING.

101K total net worth with my last 403b contribution! Yes I *am* feeling very pleased with myself, why do you ask?

[Trifle]

[cue Kool and the Gang]

Awesome job Edmund !!!!!!!!!!

[Epor]

DING DING DING.

101K total net worth with my last 403b contribution! Yes I *am* feeling very pleased with myself, why do you ask?

Congrats! Hopefully we will join you soon on the next race!

[starjay]

DING DING DING.

101K total net worth with my last 403b contribution! Yes I *am* feeling very pleased with myself, why do you ask?

Congrats!

[Bart1ma3u5]

DING DING DING.

101K total net worth with my last 403b contribution! Yes I *am* feeling very pleased with myself, why do you ask?

Good work! See you in the next race soon!

[SarkastikNinja]

Hi everyone, first time posting. Just found MMM in the last 2 months. To cut costs the company I work for reduced salaries by 20% from April - August last year. As you can tell, I did not adjust my spending and my savings in 2016 suffered. They will be doing that again this year and I'm hoping posting here will help motivate me to really cut my spending during these reduced salary months! I also have the benefit this year of having discovered Mustachianism, so hopefully I will make some nice progress.

15-01-31   :           -12,050.05
15-02-28   :             -9,013.04
15-03-31   :             -8,373.63
15-04-30   :              3,957.65
15-05-31   :              6,155.15
15-06-30   :              4,161.27
15-07-31   :              9,940.39
15-08-31   :            11,086.93
15-09-30   :            13,411.39
15-10-31   :            21,753.13
15-11-30   :            23,540.19
15-12-31   :            25,039.14
               
16-01-31   :            31,418.13
16-02-29   :            33,247.02
16-03-31   :            37,241.82
16-04-30   :            47,305.81
16-05-31   :            47,145.83
16-06-30   :            46,076.20
16-07-31   :            47,098.02
16-08-31   :            46,307.45
16-09-30   :            48,762.90
16-10-31   :            50,601.65
16-11-30   :            52,677.91
16-12-31   :            57,227.20
               
17-01-31   :            58,540.40
17-02-28   :            64,183.38
17-03-31   :            75,197.12

[GeekyGirl]

Jan 17, 2017:  € 12,138 
Feb 06, 2017:  € 16,720
Apr 04, 2017:  € 23,400

Bonus was OKish.