Author Topic: Race from 10 to 100k!!  (Read 844228 times)

kaposzta

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Re: Race from 10 to 100k!!
« Reply #3200 on: October 05, 2020, 03:50:08 AM »
July 12, 2019: $66,565
Aug 1, 2019: $68,207 (+2.47%, +$1,642)
Aug 29, 2019: $69,931 (+2.53%, +$1,724)
Sept 29, 2019: $71,138 (+1.73%, +$1,207)
Oct 31, 2019: $71,517 (+0.53%, +$379)
Nov 29, 2019: $73,138 (+2.27%, +$1,621)
Jan 01, 2020: $74,276 (+1.56%, +$1,138)
Feb 06, 2020: $73,621 (-0.88%, -$655)
March 05, 2020: $74,517 (+1.22%, +$896)
No data for April, I lost my interest seeing the losses :)
May 05, 2020: $68,620 (-8.59%, -$5,897)
June 04, 2020: $70,345 (+2.51%, +$1,725)
July 02, 2020: $72,483 (+3.04%, +$2,138)
August 05, 2020: $74,655 (+3.00%, +$2,172)
Sept 03, 2020: $75,241 (+0.78%, +$586)
Oct 01, 2020: $77,551 (+3.07%, +$2,310)

Despite the mediocre SR (53%), the increase to my net worth was a record high +3.07%. My investments were up by around 3%, and I received the payments of 2 domains sales in early September. I would like to return to 60%+ SR rates, in order to reach at least $80k net worth by the end of the year.

nmitb

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Re: Race from 10 to 100k!!
« Reply #3201 on: October 05, 2020, 01:51:14 PM »

                       2019                2020                2021                2022               
Jan-$7,248$35,632--
Feb-$6,093$32,925--
Mar-$1,081$32,425--
Apr$1,221$25,737--
May$4,418$26,441--
Jun$5,562$28,440--
Jul$7,408$30,601--
Aug$9,255$31,579--
Sept$25,361$34,167--
Oct$27,333$36,940--
Nov$31,211---
Dec$33,422---

Gingersnaps

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Re: Race from 10 to 100k!!
« Reply #3202 on: October 06, 2020, 06:49:26 AM »
01/07/2020 - £75,523.86
01/08/2020 - £76,466.46
01/09/2020 - £79,690.65
01/10/2020 - £95,664.71

Wow, getting a couple of updated pension figures has really helped this month! Graduation is hopefully in reach this year. 

Sanitary Engineer

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Re: Race from 10 to 100k!!
« Reply #3203 on: October 06, 2020, 08:08:27 AM »
I am resolved to wait until January to consider having actually completed this race, but with a big influx of cash this month we broke $100,000.

May 31, 2020          - $ 72,426.81
June 19, 2020         - $ 82,681.14 (+$10,254.33) 
August 6, 2020        - $ 89,237.00 (+$ 6,555.86) 
September 2, 2020  - $ 93,346.17 (+$ 4,109.17) 
October 6, 2020      -  $103,450.xx(+$10,103.xx) I rounded some numbers for this calculation.  DW partnership sale complete. Started including some ESOP shares I had forgotten about.

These numbers went up so dramatically I find it hard to believe.  I made another projection of our budget for the next 3 years and have estimated a sobering $10,000 in savings per year.  This is part of the reason I am reluctant to leave this race until January, joining the race to 250k looks like a much longer journey and I don't want to get started too early.

Serendip

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Re: Race from 10 to 100k!!
« Reply #3204 on: October 06, 2020, 10:44:55 AM »
Dec '17    18,146
Jan '18     23,607

Dec '18    48,380
Dec '19    60,746

Jan '20     63,186
May '20    62,300
June '20   63,000
July '20    58,562
Aug '20    59,500
Oct '20     60,900


Great to catch up on this thread. Good work everyone!

I was avoiding updating-- things have not been so exciting on this end. This year I've seemingly been at a financial standstill. BUT I didn't go into debt even though I was out of work for over 3 months AND things are still okay. I'm sticking with it. Trying to at least add micro-amounts into savings. My work might get cut again but I'm just working now and trying to re-build my little EF.

NikkiO

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Re: Race from 10 to 100k!!
« Reply #3205 on: October 06, 2020, 12:39:52 PM »
10/1/20 $10,023

Excited to be able to finally post in here! This will be for my own personal accounts, my 403B & Roth IRA.  As a family, net worth is much higher when including our home equity, rental home (our first house that we now rent out) my spouse’s retirement account, etc. Some background info, I was a stay at home mom for 8 years, which I loved! During that time I went back to get my master’s in social work.  Started working at a non-profit part time (to have flexibility with the kids) 6 years ago, so not a big money maker, but it’s work that I enjoy and can be fulfilling, yet sometimes emotionally draining! About a year ago, I passed my licensing exam, so I became a licensed clinical social worker.  Recently I have started providing therapy part-time, so with the therapy & social work, I’m starting to bring in enough to give us some cushion in our finances.  So here we go :)

Welcome to the forum @NikkiO!  Great first post.

Thank you so much! I hope I replied correctly, this forum is a weath of information, but not as easy to navigate as other social media tools.

Imma

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Re: Race from 10 to 100k!!
« Reply #3206 on: October 07, 2020, 02:36:23 AM »
Dec '17    18,146
Jan '18     23,607

Dec '18    48,380
Dec '19    60,746

Jan '20     63,186
May '20    62,300
June '20   63,000
July '20    58,562
Aug '20    59,500
Oct '20     60,900


Great to catch up on this thread. Good work everyone!

I was avoiding updating-- things have not been so exciting on this end. This year I've seemingly been at a financial standstill. BUT I didn't go into debt even though I was out of work for over 3 months AND things are still okay. I'm sticking with it. Trying to at least add micro-amounts into savings. My work might get cut again but I'm just working now and trying to re-build my little EF.

It's actually really exciting to have been out of work for months while your net worth has barely changed! Good to hear you're working again, at least for now.

okcisok

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Re: Race from 10 to 100k!!
« Reply #3207 on: October 13, 2020, 09:18:54 PM »
October is a 3 paycheck month, so I'm hoping to graduate this thread very soon! Originally my goal was to graduate by April, but then Covid and then surgery. My medical bill still has 20 more months of no interest, so I'm making a big enough payment every month to pay it off in 19. 
My adjusted goal was December, but I may hit it by the end of this month! It all depends on the market. I feel like I've been stuck for over a year, hovering right around the $100k mark...my original original goal was to hit it by LAST December. Then a bonus got delayed and I moved to a new place, etc. But it's good to have goals and to have this forum to keep motivated when I feel like I'm just treading water.

Dutch Comfort

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Re: Race from 10 to 100k!!
« Reply #3208 on: October 15, 2020, 12:49:38 AM »
Tracking investments, emergency fund and additional pension investments (all to be used to retire together with SO!)
(not tracking company pension investments, house value and current accounts)

15 May 2020: EUR 17,034
15 Jun 2020: EUR 18,160
15 July 2020: EUR 18,809
5 August 2020: EUR 18,332
10 September 2020: EUR 18,999
15 October 2020: EUR 19,604

We get there, slowly but surely. At least the amount goes up! Had quite an expensive month with payment for sports classes for the kids, new glasses for DD and some other one-off's. Hope to be able to stash away more next month.

@okcisok and @Serendip, still you managed to keep your net worth steady, which is a great accomplishment!
@Sanitary Engineer: congrats!!!! You are a good example for all of us.
@mountain mustache, @catlady @NikkiO : welcome! Hope you find inspiring stories here. It is a long road to hit your first 100K, but as long as we keep going up and keep adding to the balance, we're better off than many.
« Last Edit: October 15, 2020, 04:28:03 AM by Dutch Comfort »

Feivel2000

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Re: Race from 10 to 100k!!
« Reply #3209 on: October 15, 2020, 12:50:19 PM »
94.093 €
+ 3.620 €

Somehow I managed to save an additional 1.200 € last month, in addition to pay ~1k for flat maintenance.
Unless there is a major bear market, I feel confident to make it to 100k this year :-).


          2020
          2021
          2022
          2023
Jan
-
-
-
-
Feb
-
-
-
-
Mar
-
-
-
-
Apr
-
-
-
-
May
-
-
-
-
Jun
-
-
-
-
Jul
86.134 €
-
-
-
Aug
87.989 €
-
-
-
Sept
90.473 €
-
-
-
Oct
94.093 €
-
-
-
Nov
-
-
-
-
Dec
-
-
-
-


Spoiler: show
        Assets
             
         Debts
             
Flat
+ 84.000 €
Mortage
- 76.345 €
Unit-Linked Life Insurance
+ 47.304 €
Fixed-Term Deposit
+ 2.000 €
ETFs
+ 24.666 €
Stockpicks
+ 7.507 €
Peer-To-Peer
+ 2.523 €
Crypto
+ 2.438 €

Rimu05

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Re: Race from 10 to 100k!!
« Reply #3210 on: October 16, 2020, 08:05:55 AM »
I just graduated the Race to 10K thread so joining this one. :)

Student loan - ($24,307.94)
Credit card - ($240)


Savings - $2300
Checking - $240
401K - 31,017
Roth IRA - 1,063.71


Total -  10,073

Monthly update:

Student loan - ($24,307.94)



Savings - $2500
HSA - $3,074
Checking - $460
401K - $31,708
Roth IRA - $1,113.71


Total -  14,548

Two months later:

Student loan - ($24,307.94)



Savings - $2500
HSA - $3,525.77
Checking - $240
401K - $34,670.73
Roth IRA - $1,214.71


Total -  17,843.27


Student loan - ($24,307.94)

Savings - $3515
HSA - $3,794.85
Checking - $471
401K - $37,361.2
Roth IRA - $,1264


Total -  21,685.26

dizzy

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Re: Race from 10 to 100k!!
« Reply #3211 on: October 16, 2020, 05:00:12 PM »
Oct 2019- $1000
Nov 2019- $2340
Dec 2019- $2779
Jan 2020- $5658
Feb 2020- $5539
Mar 2020- $5024
Apr 2020- $5444
May 2020- $8302  (wherein I finally got some of unemployment)
June 2020- $20864 (wherein I got more unemployment plus the EIDL)
mid July 2020- $31724 (got the rest of the backpay, woohoo!)
7/31/20- $33340
9/2/20- $36366
9/17/20 - $42978
10/2/20- $43800
10/16/20- $47126

I started 3 new jobs and they have paid me!  One of them is crazy, extra $560+ a week in CASH (sometimes they tip) I was not expecting at all.  Workload super easy for now but I know it will get harder.  It still is encouraging, since I have to drive a good deal and I don't love that (at least my car gets great gas mileage).  I am definitely pushing myself now to fill up my solo401k regular contribution maybe even end of month (funded $14k of $19.5k.  I will deposit another $4k probably this week when my payroll is available.).  Shoot, maybe even maxing my owner contribution by end of year (20%) is possible.  Fingers crossed not just for wealth, but the good health I need to get through it. 

I can't believe I've stashed nearly $50k in one year, since I've made $20k a year or less the rest of my life except the last one (~$32k tho AGI was less with contributions and such)
« Last Edit: October 16, 2020, 05:09:54 PM by dizzy »

314159

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Re: Race from 10 to 100k!!
« Reply #3212 on: October 17, 2020, 12:13:11 PM »
I have checked my numbers and I am closer to 100k than I thought!
As of today, 17 October 2020, I have
$41,914 - 401k
  2,376 - ESPP
 13,098 - Roth IRA
 23,209 - taxable brokerage
  3,258 - checkign

Total: $83,855

I started my job in June 2019 with <$10k in savings, so I have impressed myself! I am immensely grateful the Bank of Mom and Dad for allowing me to graduate without loans.

Manchester

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Re: Race from 10 to 100k!!
« Reply #3213 on: October 22, 2020, 07:13:06 AM »
My N/W has risen by £1,630.94 to a new total of £36,622.26

I think the markets have helped, but I also received slightly more pay than I've been getting since COVID started.  I'm happy my current account is back over £500 and my next mini goal is to get it back above £1k.   

If I keep up this pace I should hit my target of £40k by the end of the year.

Hoping you're all keeping safe and making progress. :)

bcbaseballman

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Re: Race from 10 to 100k!!
« Reply #3214 on: October 22, 2020, 12:49:42 PM »
Spreadsheet has been updated and ready for our next months net worth!

https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit?usp=sharing

catlady

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Re: Race from 10 to 100k!!
« Reply #3215 on: October 25, 2020, 08:53:26 AM »
 
2020
25 Sept
 
11 699.98
25 Oct
 
15 171.88 (+3,471.9)

Next month will not be good we have a big expense. Oh well...
Spoiler: show
 Includes emergency fund, my RRSP and SO RRSP
« Last Edit: October 25, 2020, 12:23:28 PM by catlady »

Dave15

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Re: Race from 10 to 100k!!
« Reply #3216 on: October 26, 2020, 12:11:16 PM »
25-6-2018            € 29.879,12 ------> Started Tracking
25-12-2018          € 41.939,62
26-12-2019          € 64.000,00
03-02-2020          € 72.170,00
28-02-2020          € 74.154,00
25-03-2020          € 71.579,00
09-05-2020          € 76.221,00
01-06-2020          € 78.816,00
02-08-2020          € 82.500,00
26-10-2020          € 91.218,00

Forgot to track for the last couple months, but everything is slowly moving in the right direction. Graduation might just happen in Q1 next year after all, so I've got tat to look (and work!) forward to during the second wave.

Good luck and lots of health to all the participants and readers on here!

shrimpwd

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Re: Race from 10 to 100k!!
« Reply #3217 on: October 30, 2020, 04:57:18 PM »
                  401K   NW
1-1-2018     6455   24k
12-1-2018   9518   37k
4-1-2019    10960  49k
11-6-2019   13466  53k -start of race
12-29-19     14460   56k
2-02-20       14991  57k
3-01-20       14632   58k
4-01-20       13884   58k
5-01-20       17011   63k
6-01-20       19255   66.5k
7-01-20       20358   68.4k
8-01-20.      21993   70k
9-01-20       23312   72.3k
10-01-20      24777  74.4k

11-01-20      26407    75.7k

Bit of a market hiccup this week. I don't mind. Still up 13k/23k for the year.
It's been a year since I started posting in the race! I wonder what 2 years in will look like...

Imma

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Re: Race from 10 to 100k!!
« Reply #3218 on: October 30, 2020, 05:01:15 PM »

April 2019: €10094.35
May 2019: €11629.87
June 2019: €12728.63
July 2019: €13021,33
August 2019: €10363,95
September 2019: €10338.28
October: €11128.59
November: €11227,46
December: €11991,27
January: €12576,72
February: €11904,39
March: €10425,32
April: €11830,70
May: €12154,67
June: €14634,19
July: €15345,09
August: €16444,46
September: €17108,60
October: €16687,93

Goals for 2020:
Savings: €5250
Investments: €14750

No progress this month. As expected I had a lot of costs. On top of what I had already planned for I also had to pay about €400 of healthcare costs, some of which where unexpected (I knew I had to have this done eventually but didn't know when). Started my driving lessons, have not been inside an actual car yet but spent about €100 so far for the intake, the theory exam + textbook to prepare for the exam. Practical lessons will start in about a month. I'm labelling all expenses for my license in my budgeting app but I'm not sure I really want to know how much it costs...
« Last Edit: October 31, 2020, 03:07:02 AM by Imma »

jdhansen

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Re: Race from 10 to 100k!!
« Reply #3219 on: October 31, 2020, 12:14:59 AM »
6/14/2020  $50,099
7/1/2020    $51,768
8/1/2020    $56,146
9/5/2020    $59,010
10/2/2020  $62,038
10/30/2020 $61,623

This month was a fun one with the market going down right at the end and expenses just popping up.  But it is only a small backtrack and I'm sure with the next month we can get back on track in a positive direction.

dizzy

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Re: Race from 10 to 100k!!
« Reply #3220 on: October 31, 2020, 11:40:30 AM »
Oct 2019- $1000
Nov 2019- $2340
Dec 2019- $2779
Jan 2020- $5658
Feb 2020- $5539
Mar 2020- $5024
Apr 2020- $5444
May 2020- $8302  (wherein I finally got some of unemployment)
June 2020- $20864 (wherein I got more unemployment plus the EIDL)
mid July 2020- $31724 (got the rest of the backpay, woohoo!)
7/31/20- $33340
9/2/20- $36366
9/17/20 - $42978
10/2/20- $43800
10/31/20- $47854


Yahhhhh 20% to my FIRE number in just one year, OMGBBQTURNIP! 

I had a lot of side work for cash this month in addition to the 2 new jobs (one of which is slowly building).  I'm $2500 away from maxing my solo401k employee contribution which I am very stoked about.  I don't think it will be any problem at all to max the 20% employer contribution too, woo hoo!

One of my side cash gigs is finishing for a while, she went out of the country.  I'm thinking work will slow again into the winter (it does anyway) especially with COVID numbers going down and political and COVID shut downs starting to happen again in my city.  So I'm really glad to have stashed and also really glad that one of my jobs is straight hourly (most of my work is gigs or compensation-based).

A good news tho is I have two more cards eligible for tradelines.  I have been doing every other month on most of them just to not put any more eyes on stuff than needs to.

Tass

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Re: Race from 10 to 100k!!
« Reply #3221 on: October 31, 2020, 11:08:35 PM »
Jul 17$6.2k
Aug 17$6.8k
Sept 17$8.2k
Oct 17$9.0k
Nov 17$9.9k
Dec 17$11.1k
Jan 18$12.1k
Feb 18$13.6k
Mar 18$15.1k
Apr 18$16.6k
May 18$17.7k
Jun 18$18.5k
Jul 18$20.2k
Aug 18$20.8k
Sept 18$22.2k
Oct 18$21.7k
Nov 18$22.5k
Dec 18$22.4k
Jan 19$24.7k
Feb 19$27.2k
Mar 19$29.3k
Apr 19$31.3k
May 19$31.5k
Jun 19$33.3k
Jul 19$35.1k
Aug 19$36.7k
Sep 19$38.6k
Oct 19$40.2k
Nov 19$42.6k
Dec 19$44.6k
Jan 20$49.0k
Feb 20$46.5k
Mar 20$42.7k
Apr 20$47.5k
May 20$50.6k
Jun 20$53.5k
Jul 20$58.5k
Aug 20$63.0k
Sept 20$63.2k

Oct 20: $62.9k

I spent more this month than any month that did not include international travel expenses. Most of this was expected spending, but my groceries have been creeping up for a while, which I'd like to address.

Kinda hoping I can hit 66k this year just to keep my alliteration streak going.

Stubblestache

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Re: Race from 10 to 100k!!
« Reply #3222 on: November 01, 2020, 03:37:14 AM »

July 2018: £20,385
October 2018: £24,504
January 2019: £25, 295
April 2019: £33,844
July 2019: £38,667
October 2019: £38,588
January 2020: £43,260
April  2020:  £38,094
July 2020: £49,062.35
August 2020: £50,172 just over halfway! :)
Sept 2020: £55,556
Oct 2020 : £56,42
Nov 2020: £57.565 absolute hammering in the markets this month!!!

Lelyy

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Re: Race from 10 to 100k!!
« Reply #3223 on: November 01, 2020, 04:52:06 AM »
2016: $6,222
2017: $25,604
2018: $42,277
2019: $75,560

2020
1/1/2020: $75,560
2/1/2020: $75,958 (+$398)
3/1/2020: $70,838 (-$5120)
4/1/2020: $60,843 (-$9,995)
5/1/2020: $69,088 (+$8,245)
6/1/2020: $77,048 (+$7,960)
7/1/2020: $80,663 (+$3,616)
8/1/2020: $86,713 (+$6,049)
9/1/2020: $93,441 (+$6,728)
10/1/2020 $91,312 (-$2,129) 
11/01/2020 $93,362 (+$2,050)
*457/401k only*

Tinker

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Re: Race from 10 to 100k!!
« Reply #3224 on: November 01, 2020, 05:06:55 AM »
Above 35,000 :)
Bonus for Christmas and a tax-free COVID-relief over the next two paychecks is going to put me around 40,000 unless markets dump.
Christmas 2018 i had next to nothing. Reasonably happy with the progress, although worried i may come across as stingy on occasion. Rock bottom mentality still haunting me.

mckaylabaloney

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Re: Race from 10 to 100k!!
« Reply #3225 on: November 01, 2020, 11:08:58 AM »
6/1/2020: $19,606.73
7/1/2020: $26,480.37
8/1/2020: $40,657.65
9/1/2020: $52,868.32
10/1/2020: $53,926.77
11/1/2020: $61,241.09

That's way more progress than I expected this month -- it was a three-paycheck month, which I guess made up for the crappy markets since I was able to put more toward my student loans. Kind of nice too that an extra paycheck's worth of retirement contributions entered the markets when they were down a little.

Ze Stash

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Re: Race from 10 to 100k!!
« Reply #3226 on: November 01, 2020, 01:09:34 PM »
Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-    137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)

01/11/2020: 29.975,77 € (+1.626,85 €)

Another good savings month. Stocks took a downturn but the small crypto position did surprisingly well and more than offset that. Just missed the goal of 30k for 2020, but barring a major stock market downturn after the election I'll reach it next month. Cancelled christmas vacation due to Coronavirus so savings in the winter will be higher than expected as well. Would much rather go skiing though...


JCGreen

  • Stubble
  • **
  • Posts: 115
Re: Race from 10 to 100k!!
« Reply #3227 on: November 01, 2020, 02:01:17 PM »

I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big. My checking account is also not included as it has money I will likely spend this month. Goal for 2020 is to make it to $75K.

Net worth:
2017:
Dec2017:$7800
2018
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
2019
Jan2019: $27,100 (+3140)
Feb2019: $29,443 (+2343)
Mar2019: $31,603 (+2160)
Apr2019: $33,959 (+2356)
May2019: $33,933 (-$26)
Jun2019: $37,928 (+3995)
Jul2019: $39,736 (+1808)
Aug2019: $39,918 (+182)
Sep2019: $34,179 (-5739)
Oct2019: $38,091 (+3912)
Nov2019: $39,867 (+1776)
Dec2019: $43836 (+$3968)
2020
Jan2020:$45,839 (+$2003)
Feb2020:$43,345 (-$2494)
Mar2020:$39,081 (-$4264)
Apr2020:$47,551 (+$9470)
May2020:$51,613 (+$4,061)
Jun2020:$56,760 (+$5147)
Jul2020:$61,567 (+$4,807)
Aug2020:$68,102 (+$6,535)
Sep2020:$68,212(+$109)
Oct2020:$68,976 (+$763) Didn't do great this this month in terms of growth or spending, not expecting next month to be much better (as it is an election year) Also, I am going to get a new fancy computer for cyber monday, so... not going to be a mustachian month for me. Good luck to all!

bcbaseballman

  • Stubble
  • **
  • Posts: 112
  • Age: 31
  • Location: Kansas
Re: Race from 10 to 100k!!
« Reply #3228 on: November 02, 2020, 07:32:51 AM »

2018
1/31 : (5949.05)
2/28 : (5288.30)
3/31 : (4273.93)
4/30 : (2592.07)
5/31 : (629.70)
6/30 : 1,206.77
7/31 : 2,703.97
8/31: 5,651.70
9/31: 8,039.01
10/31: 7,803.49
11/30: 9,531.28
12/31: 9,296.79

2019
1/31/19: 13,493.35
2/28/2019: 15,766.50
3/31/2019: 19,286
4/30/2019: 19,283
5/31/2019: 18,676
6/30/2019 :22,362
7/31/2019: 24,646
8/30/2019: $27,199
9/31/2019: $30,664
10/31/2019: $33,343
11/30/2019: $35,249
12/31/2019: $39,079

2020
1/31/2020: $44,514
2/29/2020: $48,891
3/31/2020: $46,104
4/30/2020: $52,720
5/31/2020: $55,177
6/30/2020: $59,720
7/31/2020: $65,792
8/31/2020: $71,970
9/30/2020: $72,466


10/31/2020: $72,288

Down a little bit this month. We are actually in the process of buying another home and then we are going to rent out our current home so quite a bit of expenses for that last month and then we will have closing this month. Hoping we can sell enough stuff as our side hustle to be able to pay for a decent portion of our closing.

Optimiser

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  • Age: 37
  • Location: PNW
Re: Race from 10 to 100k!!
« Reply #3229 on: November 02, 2020, 09:09:54 AM »
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
Jun 2019 $11,500
Jul 2019 $17,000
Aug 2019 $19,900
Sep 2019 $19,900
Oct 2019 $26,200
Nov 2019 $34,500
Dec 2019 $37,200
Jan 2020 $43,700
Feb 2020 $45,400
Mar 2020 $45,300
Apr 2020 $52,800
May 2020 $59,400
Jun 2020 $63,400
Jul 2020 $70,900
Aug 2020 $78,500
Sep 2020 $80,700

Oct 2020 $80,300

My house should be going on the market any day now. I'm looking forward to not making 2 housing payments each month.

Slanhirn

  • 5 O'Clock Shadow
  • *
  • Posts: 45
Re: Race from 10 to 100k!!
« Reply #3230 on: November 02, 2020, 01:05:24 PM »
Tracking net worth.

EOY 12.2016 - (-£10,250)
EOY 12.2017 - £4,360
EOY 12.2018 - £40,620
EOY 12.2019 - £62,523
01.2020 - £64,537 (+2,314)
02.2020 - £65,716 (+1,179)
03.2020 - £66,908 (+1,192)
04.2020 - £67,146 (+238)
05.2020 - £69,691 (+2,545)
06.2020 - £70,554 (+863)
07.2020 - £71,934 (+1,432)
08.2020 - £75,051 (+3,117)
09.2020 - £77,109 (+2,058)
10.2020 - £79,787 (+2,678)
11.2020 - £81,680 (+1,893)

Assets = £83,701
Student loans = (£2,021)

LittleWanderer

  • Bristles
  • ***
  • Posts: 442
  • Location: USA
Re: Race from 10 to 100k!!
« Reply #3231 on: November 03, 2020, 01:44:04 PM »
October 2019 - $31,770
November 2019 - $33,081
December 2019 - $34,820
January 2020 - $36,392
February 2020 - $35,701
March 2020 - $32,466
April 2020 - $36,157
May 2020 - $38,540
June 2020 - $39,514
July 2020 - $42,207
August 2020 - $44,045
September 2020 - $44,514

October 2020 - $45,564

Totally normal month for me.  I mean, savings wise, at least.  Half way seems so close, yet so far away. 

catorbe

  • 5 O'Clock Shadow
  • *
  • Posts: 93
  • Location: ND
Re: Race from 10 to 100k!!
« Reply #3232 on: November 04, 2020, 09:57:00 AM »
October 2019 - $31,770
November 2019 - $33,081
December 2019 - $34,820
January 2020 - $36,392
February 2020 - $35,701
March 2020 - $32,466
April 2020 - $36,157
May 2020 - $38,540
June 2020 - $39,514
July 2020 - $42,207
August 2020 - $44,045
September 2020 - $44,514

October 2020 - $45,564

Totally normal month for me.  I mean, savings wise, at least.  Half way seems so close, yet so far away.

I'm back up to about $54,750 so if you add our totals together we're there!

Gingersnaps

  • 5 O'Clock Shadow
  • *
  • Posts: 19
Re: Race from 10 to 100k!!
« Reply #3233 on: November 05, 2020, 07:44:48 AM »
Totally forgot to update on the 1st, at least it gave the markets a few days to recover!

01/07/2020 - £75,523.86
01/08/2020 - £76,466.46
01/09/2020 - £79,690.65
01/10/2020 - £95,664.71
01/11/2020 - £97,515.00

Could next month be the one!?

kaposzta

  • 5 O'Clock Shadow
  • *
  • Posts: 83
  • Age: 36
  • Location: Hungary
    • Years Until FIRE Calculator
Re: Race from 10 to 100k!!
« Reply #3234 on: November 06, 2020, 07:26:12 AM »
July 12, 2019: $66,565
Aug 1, 2019: $68,207 (+2.47%, +$1,642)
Aug 29, 2019: $69,931 (+2.53%, +$1,724)
Sept 29, 2019: $71,138 (+1.73%, +$1,207)
Oct 31, 2019: $71,517 (+0.53%, +$379)
Nov 29, 2019: $73,138 (+2.27%, +$1,621)
Jan 01, 2020: $74,276 (+1.56%, +$1,138)
Feb 06, 2020: $73,621 (-0.88%, -$655)
March 05, 2020: $74,517 (+1.22%, +$896)
No data for April, I lost my interest seeing the losses :)
May 05, 2020: $68,620 (-8.59%, -$5,897)
June 04, 2020: $70,345 (+2.51%, +$1,725)
July 02, 2020: $72,483 (+3.04%, +$2,138)
August 05, 2020: $74,655 (+3.00%, +$2,172)
Sept 03, 2020: $75,241 (+0.78%, +$586)
Oct 01, 2020: $77,551 (+3.07%, +$2,310)
Nov 05, 2020: $79,310 (+2.27%, +$1,759)

Investments went up substantially, one domain sale kicked in, so on the revenue side everything seems fine.
On the other hand, savings rate was an abysmal 40%, owing to the purchase of home furniture and home office stuff, Christmas presents and lots and lots of vitamins and anti-covid stuff for us and our families. We could buy almost everything with a large discount, so SR should improve in the next two months substantially (back to 65+%).

The plus side is that I ordered so many books in the past couple of months that were missing from my collection, that 1) my collection is almost complete, and 2) while decluttering a room I realized how hoarding books affect my life in a negative way, so I don't want to buy any new books in the next few months.

Lelyy

  • 5 O'Clock Shadow
  • *
  • Posts: 8
  • Age: 30
  • Location: New York
Re: Race from 10 to 100k!!
« Reply #3235 on: November 06, 2020, 04:52:53 PM »
2016: $6,222
2017: $25,604
2018: $42,277
2019: $75,560

2020
1/1/2020: $75,560
2/1/2020: $75,958 (+$398)
3/1/2020: $70,838 (-$5120)
4/1/2020: $60,843 (-$9,995)
5/1/2020: $69,088 (+$8,245)
6/1/2020: $77,048 (+$7,960)
7/1/2020: $80,663 (+$3,616)
8/1/2020: $86,713 (+$6,049)
9/1/2020: $93,441 (+$6,728)
10/1/2020 $91,312 (-$2,129) 
11/01/2020 $93,362 (+$2,050)
11/06/2020 $100,357 (+6,5596)

I’ve reached 100k !!!
Thank you all for the motivation !
Good luck to all of you.. see you guys on the next forum!

*457/401k only*

LittleWanderer

  • Bristles
  • ***
  • Posts: 442
  • Location: USA
Re: Race from 10 to 100k!!
« Reply #3236 on: November 08, 2020, 11:34:07 AM »
I'm back up to about $54,750 so if you add our totals together we're there!

Excellent!!  Want to get married?  LOL.

catorbe

  • 5 O'Clock Shadow
  • *
  • Posts: 93
  • Location: ND
Re: Race from 10 to 100k!!
« Reply #3237 on: November 09, 2020, 10:18:25 AM »
I'm back up to about $54,750 so if you add our totals together we're there!

Excellent!!  Want to get married?  LOL.

We're not over 100k by much so it'll have to be a cheap courthouse wedding!

Stubblestache

  • 5 O'Clock Shadow
  • *
  • Posts: 77
Re: Race from 10 to 100k!!
« Reply #3238 on: November 10, 2020, 01:39:26 AM »
Above 35,000 :)
Bonus for Christmas and a tax-free COVID-relief over the next two paychecks is going to put me around 40,000 unless markets dump.
Christmas 2018 i had next to nothing. Reasonably happy with the progress, although worried i may come across as stingy on occasion. Rock bottom mentality still haunting me.

I feel this. I grew up poor and I'm used to worrying about money and that has never really left me, even though in almost any community other than the FIRE one, I'd be considered to be very comfortable financially.

TyGuy

  • 5 O'Clock Shadow
  • *
  • Posts: 82
  • Age: 26
  • Location: Oregon
Re: Race from 10 to 100k!!
« Reply #3239 on: November 10, 2020, 05:19:19 PM »
Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
06/05/20: $21,456
08/05/20: $21,456
11/09/20: $21,456

Payments will continue in January, currently payments have not been due and loans have been collect 0% interest. Normal interest rates are all below 4%


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
10/01/20: $12,283 (-$1,214)
11/01/20: $15,692 ($3,409)

I've been continuing to put surplus income into renovations of my recently purchased home while also adding a small portion of my income to savings. I have one more large purchase this month and then I will be back to my normal savings rate of nearly 50% of my income. I have not include my home equity in this total and will continue not to do so, though equity is now at roughly 35K.  I'm looking forward to growing my stash once again! Congrats to those of you that have moved on from this thread.
« Last Edit: November 10, 2020, 05:21:46 PM by TyGuy »

dizzy

  • 5 O'Clock Shadow
  • *
  • Posts: 72
Re: Race from 10 to 100k!!
« Reply #3240 on: November 11, 2020, 03:54:30 PM »
Yo yo yo, halfway to $100k!

Oct 2019- $1000
Nov 2019- $2340
Dec 2019- $2779
Jan 2020- $5658
Feb 2020- $5539
Mar 2020- $5024
Apr 2020- $5444
May 2020- $8302  (wherein I finally got some of unemployment)
June 2020- $20864 (wherein I got more unemployment plus the EIDL)
mid July 2020- $31724 (got the rest of the backpay, woohoo!)
7/31/20- $33340
9/2/20- $36366
9/17/20 - $42978
10/2/20- $43800
10/31/20- $47854
11/11/20- $53709

The one housecall I've been doing on the side for cash that they give me $$$ for has for the last 4 sessions added an extra amount to do a 2nd person.  WTF- $700 a week cash.  It will be through middle to end of December now.  And I'm happy bc they are doing great.
Another side cash gig ended, but that's ok and she's doing well (only $60/week).  I got paid finally for a couple music gigs I had in September and October.
New jobs are ok so far...getting there.  The one that is more disorganized spoke to me about doing 2 more shifts starting in Jan, I told them we will see.  They aren't sure yet the person will leave, but they think she will.
I scored a weekly music gig in Dec, really looking up.  I wish my boyfriend was feeling better (unemployed/depressed since March), but at least I am catching up to him so we can get out of the rat race sooner.  The last thing I would want is for him to have to worry about me financially, dude's got enough on his plate.
Feel like I finally have a good handle on my investments and seeing the rise...yeah yeah, I know markets are going up, I just like my diversification right now with a couple picks on the side.

Dutch Comfort

  • 5 O'Clock Shadow
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  • Posts: 40
  • Location: Europe
Re: Race from 10 to 100k!!
« Reply #3241 on: November 13, 2020, 12:34:04 AM »
Tracking investments, emergency fund and additional pension investments (all to be used to retire together with SO!)
(not tracking company pension investments, house value and current accounts)

15 May 2020: EUR 17,034
15 Jun 2020: EUR 18,160
15 July 2020: EUR 18,809
5 August 2020: EUR 18,332
10 September 2020: EUR 18,999
15 October 2020: EUR 19,604
13 November 2020: EUR 22,707

Nice increase this month and above EUR 20K!. I calculated the amount I could add on a tax free basis to my additional pension account and funded that from our current account. Next month the last bit (hopefully) and the tax free account for this year is then totally funded! That will account for a nice 2020 tax refund in 2021!

Coming month will be tight with holiday spending (try to keep it down as much as possible) and providing extra meals to our parents (who were COVID affected, but on their way to recovery!).

@Lelyy : congrats!!!
@dizzy: halfway sounds soooooo good. I'm just hoping to be there in 2-3 years (trying to save around EUR 10K every year).
@Tinker and @Stubblestache : I totally feel it. While we're doing much better than the average, I still feel that worry in my head that we might be hit in the back by financial problems.

Only 7 weeks of 2020 left. Let's see if we can end this year with a nice big plus!

mountain mustache

  • Pencil Stache
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  • Posts: 545
  • Age: 29
  • Location: Colorado
Re: Race from 10 to 100k!!
« Reply #3242 on: November 13, 2020, 07:54:25 AM »
Today is the first day I get to post here! This year I have finally paid off about $25k of medical debt that I've been working away at over the past 3 years. I finally feel like I am on the right track, and building some savings and getting to keep ALL of the money I earn. My goal is to get to $100k in the next 10 years, and also buy my first small home.

10/02/2020- $14835.83

11/13/2020- $16110.56


Trifele

  • Magnum Stache
  • ******
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  • Age: 53
  • Location: Outside
Re: Race from 10 to 100k!!
« Reply #3243 on: November 13, 2020, 11:46:36 AM »
Nice steady progress @mountain mustache!  Go you!

okcisok

  • Bristles
  • ***
  • Posts: 406
Re: Race from 10 to 100k!!
« Reply #3244 on: November 14, 2020, 07:12:25 PM »

July 1: $94,885
August 1: $99,157
September 1: $96,161
October 1: $92,650
November 1: $94,512
November 14: $101,023

Some of the jump was making this month's credit card payment, some was market fluctuations. I'll hold off on making the jump to the next thread until I see what happens with the market.
« Last Edit: November 16, 2020, 08:03:07 PM by okcisok »

DieHard_772

  • Bristles
  • ***
  • Posts: 454
  • Location: California
Re: Race from 10 to 100k!!
« Reply #3245 on: November 15, 2020, 08:38:07 AM »

Our Investments and Savings (not including checking accounts)

9/28/18  - $22,949
10/28/18 - $23,952
11/28/18 - $27,878
1/28/19 - $28,853
2/28/19 - $31,682
3/28/19 - $32,684
4/28/19 - $35,011
5/28/19 - $35,838
6/28/19 - $38,276
7/28/19 - $40,607
8/28/19 - $40,508
9/28/19 - $42,168
10/28/19 -$42,209
11/28/19 - $44,478
12/28/19 -$46,408
1/28/20 - $49,115
2/28/20 - $50,466
3/28/20 - $48,609
4/28/20 - $55,026
5/28/20 - $59,256
6/28/20 - $60,807
7/28/20 - $64,342
8/28/20 - $65,454
9/28/20 -  $65,495
10/28/20 - $67,282
11/15/20 - $70,018

This week our investments (not including savings) hit $50,000 for the first time, so that's pretty awesome.


A few years back, we hadn't even started saving or investing in any systematic way. If go back and compare,
our progress is pretty significant:

Our Investments and Savings (not including checking accounts)

Every year before 2015 - Essentially $0 :(
10/10/15 - $1,220 +$1,220
11/17/16 - $5,111 +$3,891
10/17/17 - $15,143 +$10,032
11/28/18 - $27,878 +$12,735
11/28/19 - $44,478  +$16,600
11/15/20 - $70,018+$25,540



DieHard_772

  • Bristles
  • ***
  • Posts: 454
  • Location: California
Re: Race from 10 to 100k!!
« Reply #3246 on: November 15, 2020, 08:40:19 AM »
Only 7 weeks of 2020 left. Let's see if we can end this year with a nice big plus!

@Dutch Comfort Yeah baby!

DieHard_772

  • Bristles
  • ***
  • Posts: 454
  • Location: California
Re: Race from 10 to 100k!!
« Reply #3247 on: November 15, 2020, 08:44:41 AM »
2016: $6,222
2017: $25,604
2018: $42,277
2019: $75,560

2020
1/1/2020: $75,560
2/1/2020: $75,958 (+$398)
3/1/2020: $70,838 (-$5120)
4/1/2020: $60,843 (-$9,995)
5/1/2020: $69,088 (+$8,245)
6/1/2020: $77,048 (+$7,960)
7/1/2020: $80,663 (+$3,616)
8/1/2020: $86,713 (+$6,049)
9/1/2020: $93,441 (+$6,728)
10/1/2020 $91,312 (-$2,129) 
11/01/2020 $93,362 (+$2,050)
11/06/2020 $100,357 (+6,5596)

I’ve reached 100k !!!
Thank you all for the motivation !
Good luck to all of you.. see you guys on the next forum!

*457/401k only*

@Lelyy Congrats!

Feivel2000

  • Bristles
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  • Posts: 269
  • Age: 36
  • Location: Germany
Re: Race from 10 to 100k!!
« Reply #3248 on: November 15, 2020, 02:12:55 PM »
96.957 €
+ 2.864 €

I had no out-of-the-ordinary savings this month. I added 1.412€ and got the same in increased values... Nice :)
Still on my way to 100.000 € by the end of the year. I expect a small X-Mas bonus and the re-evaluation of my Unit-Linked Life Insurance. That alone should let me make the jump... We will see.


          2020
          2021
          2022
          2023
Jan
-
-
-
-
Feb
-
-
-
-
Mar
-
-
-
-
Apr
-
-
-
-
May
-
-
-
-
Jun
-
-
-
-
Jul
87.134 €
-
-
-
Aug
88.989 €
-
-
-
Sept
90.473 €
-
-
-
Oct
90.093 €
-
-
-
Nov
96.957 €
-
-
-
Dec
-
-
-
-


Spoiler: show
        Assets
             
         Debts
             
Flat
+ 84.000 €
Mortage
- 76.214 €
Unit-Linked Life Insurance
+ 47.304 €
Fixed-Term Deposit
+ 2.000 €
ETFs
+ 26.262 €
Stockpicks
+ 7.875 €
Peer-To-Peer
+ 2.540 €
Crypto
+ 3.190 €

mgardner88

  • 5 O'Clock Shadow
  • *
  • Posts: 1
Re: Race from 10 to 100k!!
« Reply #3249 on: November 17, 2020, 02:08:32 PM »
First time poster but have been tracking by myself for a few months now. This doesn't include house equity, just 401k, IRA, and 457:

7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)

All of you are amazing, very inspirational.