I'm 19 years old in the American military and current net worth is about $8,000 ha I try to save about 80% of every paycheck and throw it all into my Vanguard index fund!!!
I'm 19 years old in the American military and current net worth is about $8,000 ha I try to save about 80% of every paycheck and throw it all into my Vanguard index fund!!!
Hey Isaac I have been in the Australian military since i was 19 (i am now 33) but it was only last year that I got on board with ERE. So I will now retire in 10 years time at 43. If only I had started at your age I would be retired by now.
I did what most other thoughtless kids do in the military found myself at a young age with a salary so went and bought the car, easy finance lead to more stupid borrowing until I was ready for a face punch. paid all that back now and am investing regularly thankfully.
And yes net worth!
Anyway, I hope this encourages you to keep at it mate- see you in retirement :P
Finally joined the site to commit to joining this race! Started my first job about a year ago and currently have about $14,000 between TSP, Roth IRA, Emergency fund. Minus the $19,000 I'm a car clown fresh out of college Car loan... (face meet fist)At least you already know it's an emergency. ;)
Official End of June Number:Same here! My employer match is only a paltry 1.5%, but I'll definitely take the free money. :P
$12,809.82
First off, huge jump in the number from just a couple weeks ago. I landed the jackpot of free money by way of employer match on 401(k) contributions for 2013!
Hope to see some more updates from everyone!
They force me to be mustachian because to get it all I have to contribute 15% of my pay to get all of the employer match.Official End of June Number:Same here! My employer match is only a paltry 1.5%, but I'll definitely take the free money. :P
$12,809.82
First off, huge jump in the number from just a couple weeks ago. I landed the jackpot of free money by way of employer match on 401(k) contributions for 2013!
Hope to see some more updates from everyone!
Mine only requires 6% to get it, but I'm thinking of upping the contribution some this year with my raise. Either that, or it'll go towards an IRA.They force me to be mustachian because to get it all I have to contribute 15% of my pay to get all of the employer match.Official End of June Number:Same here! My employer match is only a paltry 1.5%, but I'll definitely take the free money. :P
$12,809.82
First off, huge jump in the number from just a couple weeks ago. I landed the jackpot of free money by way of employer match on 401(k) contributions for 2013!
Hope to see some more updates from everyone!
Finally created an account to jump in on this.
Here's some progress from the last year
End of June 2013:
Student Loans -$12,800
Savings $2,350
Net Worth -$10,450
End of June 2014:
Student Loans -$1,700
Savings $7,900
Retirement Accts $17,900
Net Worth $24,100
My goal is to cross 100k in 2 more years
Finally created an account to jump in on this.
Here's some progress from the last year
End of June 2013:
Student Loans -$12,800
Savings $2,350
Net Worth -$10,450
End of June 2014:
Student Loans -$1,700
Savings $7,900
Retirement Accts $17,900
Net Worth $24,100
My goal is to cross 100k in 2 more years
Woohoo, this thread is more my speed! My current net worth is -$8250, so I'll celebrate every order of magnitude from here to 100K.So I guess you won't be reporting back between 10k and 100k then? ;)
I'm going to predict -$1000 around November 2014. And let's go with -$100, $0, and $100 in December, $1000 in February, and $10,000 in May 2015.
Haha, I suppose. I figure I'll do a big celebration at 10K, and then keep updating monthly or so. But it will take years to get to 100K, so lots of reporting back in the mean time. :PWoohoo, this thread is more my speed! My current net worth is -$8250, so I'll celebrate every order of magnitude from here to 100K.So I guess you won't be reporting back between 10k and 100k then? ;)
I'm going to predict -$1000 around November 2014. And let's go with -$100, $0, and $100 in December, $1000 in February, and $10,000 in May 2015.
Savings $75k
Student loans -$71k
Net worth $4k
Way to go Mazzinator, increasing networth by $6,000 in just over two weeks! I'm happy with my slow, slow pace of $2,000 a month. Keep it up and you'll catch up to me in no time at all.Savings $75k
Student loans -$71k
Net worth $4k
Savings $79k
Student loans -$69k
Net worth $10k
Way to go Mazzinator, increasing networth by $6,000 in just over two weeks! I'm happy with my slow, slow pace of $2,000 a month. Keep it up and you'll catch up to me in no time at all.Savings $75k
Student loans -$71k
Net worth $4k
Savings $79k
Student loans -$69k
Net worth $10k
I was gonna say... $6k * 26 biweekly periods would have been $156k in a year. Still, though, that rate gets you $72k in a year. Very impressive. Was there anything specific that contributed this month, or is that your typical monthly saving?Way to go Mazzinator, increasing networth by $6,000 in just over two weeks! I'm happy with my slow, slow pace of $2,000 a month. Keep it up and you'll catch up to me in no time at all.Savings $75k
Student loans -$71k
Net worth $4k
Savings $79k
Student loans -$69k
Net worth $10k
Thanks!! It's for the entire month. I only calculate this once a month (for sanity) so it's for a whole month, not just two weeks!! Shit, i was i could increase $6k every two weeks ;)
But thanks!!! I need all the positive vibes i can get!!
And $2k a month is nothing to sneeze at!! Great work!
I was gonna say... $6k * 26 biweekly periods would have been $156k in a year. Still, though, that rate gets you $72k in a year. Very impressive. Was there anything specific that contributed this month, or is that your typical monthly saving?Way to go Mazzinator, increasing networth by $6,000 in just over two weeks! I'm happy with my slow, slow pace of $2,000 a month. Keep it up and you'll catch up to me in no time at all.Savings $75k
Student loans -$71k
Net worth $4k
Savings $79k
Student loans -$69k
Net worth $10k
Thanks!! It's for the entire month. I only calculate this once a month (for sanity) so it's for a whole month, not just two weeks!! Shit, i was i could increase $6k every two weeks ;)
But thanks!!! I need all the positive vibes i can get!!
And $2k a month is nothing to sneeze at!! Great work!
I'm in, AND I made a SPREADSHEET!!!
I'm in, AND I made a SPREADSHEET!!!
Ipep,
Nice spreadsheet!
Might I suggest that the total percent change be calculate by the change from last Monty's total instead of a sum of everyone's percent change. Just a suggestion. Still, job well done and thanks!
Haha thanks for the link! Let's see everyone's snowballs roll!Don't tell me what to do with my snowball!
I'm getting excited for the end of the month, when I get to recalculate my net worth. Been watching my index funds go insane each month this year, in line to make 20%. Everything else is going fine, with my new diet our food budget has been lasting, and if we continue this pace we'll be spending less than $200 a month for 2 people. Just another week then I can post my changes.
I'm in, AND I made a SPREADSHEET!!!
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit?usp=sharing
I will be worth nothing, and it will feel wonderful!!!Indeed, I am very excited to be worth nothing, hopefully around the new year, give or take, depending on where my new job places me on the salary scale for fall (I just finished all my paperwork, so now waiting to hear).
You can just drag the calculation down like in excel, I did it for you. Impressive rate!
You can just drag the calculation down like in excel, I did it for you. Impressive rate!
Tada. It's been updated. Now it will automagically populate the % change cell with a "" if there is no number in the adjacent cell to the left. Also, once you enter in a number, the % will appear correctly.
Thanks!
It messes up the average % calculation to have empty cells, so yeah - copy/paste is the way to go (If anyone knows how to change this... I'm not a master of spreadsheets, so let me know or feel free to change it!).
I'll keep an eye on things once the 31st hits, but I'm in Asia so might be sleeping while most of the action is happening :)
AWESOME!!!!I was thinking when you first said "ranks" that it would be on the size of our stash. It would be interesting perhaps to suggest a few names on our way towards our first $100,000.
I'm thinking of adding a "ranks" column, so as the months go by we can have "previous rank" and "current rank" and see how the standings change... opinions?
AWESOME!!!!I was thinking when you first said "ranks" that it would be on the size of our stash. It would be interesting perhaps to suggest a few names on our way towards our first $100,000.
I'm thinking of adding a "ranks" column, so as the months go by we can have "previous rank" and "current rank" and see how the standings change... opinions?
<$0 New pack of razors
$0 Putting down the razor
$1-$10,000 Peach Fuzz
$10,000-$25,000 5 o'clock shadow
$25,000-$50,000 Second day no shave
$50,000-$99,999 Pencil stash
$100,000+ Handle Bars
Or something like that. I'm sure someone else could come up with better ranks. Then we graduate to the race to $1 million thread :-D
Love it, and it would be super easy to implement (at least for me... :P)
Love it, and it would be super easy to implement (at least for me... :P)
You're doing things I never knew a spreadsheet could do.
You're in charge. I'll pass the torch to you, if you want it!
Had to join the forums for this challenge!
I know Mint uses Zillow to calculate home value, and I suspect it grossly overestimates, but for consistency sake, I just go with it.
My goal for 2014 for Net Worth was a whopping -$37K. My stretch goal was -$30K. I might make it!
Also, bad end of the month for my stocks :/ At least they're on sale for my next purchases, right?
My percent increase didn't calculate itself, I looked at the formula but couldn't figure out why anyone else know why?
Also, bad end of the month for my stocks :/ At least they're on sale for my next purchases, right?
Suit, your percent increase did calculate itself from what I can see. Although someone may have fixed it before I could check. :D
Stocks went on sale the last two days of the month resulting in a small loss.
Saw My NW drop off about $500, but I finally paid off the last credit card. I'm now debt free and can only go up. Feels weird :/
Saw My NW drop off about $500, but I finally paid off the last credit card. I'm now debt free and can only go up. Feels weird :/
Savings $75k
Student loans -$71k
Net worth $4k
Savings $79k
Student loans -$69k
Net worth $10k
Aug
Savings $80,613
Student loans -$67,363
Net worth $13,250
Edit: could someone update the doc for me??? I only have an ipad and can't figure out how to update my numbers using it. Thanks!!
Just found out that my wife has $10k in some sort of investment in her home country which yields about 5% a year, this is going to boost my number up for next month.Saw My NW drop off about $500, but I finally paid off the last credit card. I'm now debt free and can only go up. Feels weird :/
I'm curious as to why your net worth would drop by paying off a credit card? Credit cards are liabilities that should already be calculated into your net worth. Paying off the credit card would just be a transfer of assets and wouldn't affect your net worth. I generally run between $500-$2,000 on my credit cards through a month and those are all factored into my net worth, this way I'm not robbing Peter to pay Paul.
Is it too late to join in?
It looks like anyone with a mortgage is including the value of their home in the networth calculation? I don't typically do that (because the big negative numbers motivate me more), but for purposes of comparison I'll do that here with my numbers.
Also, it's my numbers joint with my husband because it's just easier to track for us.
Liabilities:
(Mortgage, remaining car loan): $215,289.72
Assets:
(Home value (estimated at about 20k less than what Zillow lists), IRAs, 401Ks, Index Funds, bank accounts): $264,334.2
Net Worth: $49,044.48
This doesn't feel like an accurate number to me, because I owe so much on my house still and I can't use retirement accounts to pay the mortgage payments. Does it throw off your numbers if i use my networth without including my home value? It seems more realistic to me.
(It would also make me last, with -150,000~)
I'm in :O Must kill student loans!!!
NW at beginning of 2014: -8,000
NW end of June: about 3000
NW now: about 5000
I discovered MMM in June and haven't looked back!
Thank you for spearheading this challenge, let's keep it going!!
Is it too late to join in?
It looks like anyone with a mortgage is including the value of their home in the networth calculation? I don't typically do that (because the big negative numbers motivate me more), but for purposes of comparison I'll do that here with my numbers.
Also, it's my numbers joint with my husband because it's just easier to track for us.
Liabilities:
(Mortgage, remaining car loan): $215,289.72
Assets:
(Home value (estimated at about 20k less than what Zillow lists), IRAs, 401Ks, Index Funds, bank accounts): $264,334.2
Net Worth: $49,044.48
This doesn't feel like an accurate number to me, because I owe so much on my house still and I can't use retirement accounts to pay the mortgage payments. Does it throw off your numbers if i use my networth without including my home value? It seems more realistic to me.
(It would also make me last, with -150,000~)
Since the document is tracking net worth, you would add in your home value and be at 49k, not -150k. You owe on your house, but if you had to, you could sell the house and erase the debt.
just added myself to sheet, been going down in NW since mint didn't track my student loan, but those are gone and so should start going up.
Just hit my first 10K this week - SUPER excited! Since I'm 39, it's kind of terrible that this is the highest net worth I've ever had, but at least progress is all going in the right direction now.
Just hit my first 10K this week - SUPER excited! Since I'm 39, it's kind of terrible that this is the highest net worth I've ever had, but at least progress is all going in the right direction now.
Congrats! And don't feel too bad...I'm also 39, and my net worth is also at it's highest (~15k). :)
Just hit my first 10K this week - SUPER excited! Since I'm 39, it's kind of terrible that this is the highest net worth I've ever had, but at least progress is all going in the right direction now.
Congrats! And don't feel too bad...I'm also 39, and my net worth is also at it's highest (~15k). :)
Thanks for the moral support! Now for the next 10K, and a good bit faster this time... :)
What's great about a positive net worth is that your dollars start to work for you and you Snowball. That 10k you have this year might make 700-1200 next year on top of what you put in then. Keep it up!
I'd love to hop in on this. I'm starting above 10k but 100k is a good medium term goal for me.
Snap Shot at end of July:
Debts: $0
Savings: $7,250
Retirement Accts: $29, 876
NW: $37, 126
Now that I'm officially out of the Negatives, I'm excited to join! My networth is paltry, but at least it's going in the right direction! $100,000 is still very far away, so my intermediate goal is the $30,000 we need to buy a house, but it will be fun to be in on a long-term tracking race :)
Liabilities: Zero
Assets: TFSA @ 1.3% $2,111.94
TFSA index funds: $1,293.20
Net Worth: $3,405.14 Whoohoo! Rolling in it, amiright!?
On average, adding about $1,500/mo to this. But trying to get our side gig to be more profitable (running a sign/decal/t-shirt business out of our basement). It's in the black, at least, and hopefully we'll be able to start pulling some actual income from it soon.
We should most definitely be able to reach our house downpayment goal by May 2016. Maybe this competition will help us reach it sooner :)
Should we add age to the spreadsheet? Not that this is a competition between anyone but myself, but I think it would be beneficial for me to see where people are in their lives.
I am interested in trying to lower our cost of living here. We are living pretty well, but the largest expense is still the car. Thinking of switching to something more fuel efficient and cheaper to insure than our BMW (2002, 130k miles bought 2 years ago for $8k, no with 163k miles and worth $4k(not included in NW) and have only added about 2500 miles this year since moving close to work).
I am interested in trying to lower our cost of living here. We are living pretty well, but the largest expense is still the car. Thinking of switching to something more fuel efficient and cheaper to insure than our BMW (2002, 130k miles bought 2 years ago for $8k, no with 163k miles and worth $4k(not included in NW) and have only added about 2500 miles this year since moving close to work).
I may want to help you out with that BMW. What model is it?
Welcome, Apples, and best wishes!
Is it Dec 31for the start y'all? I assumed it was May 30
I'd love to hop in on this. I'm starting above 10k but 100k is a good medium term goal for me.
Snap Shot at end of July:
Debts: $0
Savings: $7,250
Retirement Accts: $29, 876
NW: $37, 126
I'm in for this.
$50,646 as of 8/1/14.
Just found this site recently, and have really enjoyed many of the ideas. Reducing consumption and increasing happiness go hand in hand... who knew?!
Christopher
New here, but interested in playing along. I find tracking helps a lot.
While I have only been reading MMM for a few weeks, I have had Mint for years document all of the mistakes :-)
Since thread start:
June 9th 2014: (-$34,619)
July 1st 2014: (-$35,437)
August 1st 2014: (-$24,516)
Today (August 25th 2014): $7,548
UPDATE! Arbitrary personal financial goal met!
I started reading MMM last spring, and by the end of the year was able to increase my net worth by 30K, from -$97K to -$67K. So, at the beginning of the year I set the goal of increasing my net worth by another 30K (to a net worth of -$37K) in 2014. My stretch goal was to make it to a net worth of -$30K in 2014.
As of August 31 2014, my base goal for 2014 has been met!!!! As you can see on the spreadsheet, I am at -$36,964.00! I know that could change at the whim of the markets, but I am stoked. I have no doubt I will meet my stretch goal, which means a net worth of zero in 2015 is totally possible! That also means that my net worth has increased 60K in the last 18 months thanks to MMM! I should send them some cookies.
My networth went up a bit since I had an extra surprise check this month from overpaying for braces a couple of years back, plus the three paycheck month. However, my net worth will be going down soon because I'm going to pay for the Macbook Air I bought with my Discover card. Hopefully my checks for September will even things out. I have some other expenses coming soon also, but I'll try to keep spending to a minimum. I'm glad we are tracking things here as it gives me something to aim for each month.
My networth went up a bit since I had an extra surprise check this month from overpaying for braces a couple of years back, plus the three paycheck month. However, my net worth will be going down soon because I'm going to pay for the Macbook Air I bought with my Discover card. Hopefully my checks for September will even things out. I have some other expenses coming soon also, but I'll try to keep spending to a minimum. I'm glad we are tracking things here as it gives me something to aim for each month.
You're net worth doesn't change when you pay off a credit card because net worth is asset - liability, and your credit card is a liability. Whenever my friend talks about just putting stuff on the card I want to give him a MMM face punch.
Look forward to reading other people bios :)
OK here's my 6/30 and 7/31 net worth including retirement accounts but excluding the (theoretical) value of my home.
6/30/2014: -$6922
7/31/2014: $2291 (yay positive! - downgraded car, don't expect $9k every month!)
8/31/2014: $5896
Added a line for my entry to the spreadsheet, but not quite sure how you're doing all the determinations of rank, etc so there are a few columns in my row that I did not touch.
Sept 2014Savings $75k
Student loans -$71k
Net worth $4k
Savings $79k
Student loans -$69k
Net worth $10k
Aug
Savings $80,613
Student loans -$67,363
Net worth $13,250
I'd like to join - my total net worth including Superannuation (pension) is already over 100K but as I am unable to access my pension until I am 65 I'd like to focus more on my 'accessible' net worth.
My Super is 12.75% from my employer + 5% from me plus I also contribute a further 2.15% on top (all pre-tax) - I am happy with this current level of contribution and keep a fairly close eye on the investment path. I am just going to leave this as is for a while why I try to save and invest from my take home pay.
So, in June 2013 I had;
Savings: $0.00
Student Loan: -$2100.00
I paid my car off in June 2013 too (and will be keeping said car for the rest of it's life!).
Today;
Savings: $17,390
No liabilities.
NET WORTH: $17,390
I have a surgery in October (about $2750 out of pocket) but every other dollar is being saved. I aim to save at least $1700 per month - my stretch goal is $2000.
Best of luck to all!
NB - I have added myself to the spreadsheet with my NW from 08/31/14 to fit in with the monthly system.
Looks like we have a few engineers! Anybody else work in healthcare?
Looks like we have a few engineers! Anybody else work in healthcare?
Pharmacist here. Currently on a resident salary, but trying to save up ~30k between me and my wife for a down payment after I finish next June. Its tough to calculate my net worth as my wife and I currently have separate finances so I created some rules in how I calculate it.
Will be a lot more clear when I go to full salary, and my wife quits working. I want her to quit now, but she won't do it. Weird huh?
I'll join. 28 years old, make ~$24,000/year after taxes.
Current assets: $43,715
Current liabilities: $20,500 (all student loans)
Current net worth: $23,215
My personal goal is to have the loans paid off before the grace period ends (approx. March 2016).
No more contributions for rest of month so here is my end of August update:
Debts: $0
Savings: $7,250
Retirement Accts: $31, 248
NW: $38, 498 (increase of $1,372).
Since thread start:
June 9th 2014: (-$34,619)
July 1st 2014: (-$35,437)
August 1st 2014: (-$24,516)
Today (August 25th 2014): $7,548
Yikes. Sort of painful month. I was super excited to pass my 2014 NW goal last month, and now I still have a ways to go. This month is all about fluctuation in Zillow estimates for my house. I went from -$37 to -$42 in one month. Thanks Zillow. I know it's all fake anyway, but still.
I even hit a 55% savings rate this month, and if you don't include the house, my networth actually increased. But I started out including the house, so I need to stick with it. Hopefully it will rebound and I will still make my 2014 NW goal (a modest -$37K).
As far as bio: 36, single, attorney, paying off student loans like it's going out of style, while simultaneously trying to save for retirement.
It is really amazing how many people are starting out this journey with a negative net worth. Just want to encourage those people that paying off the debt is the best way to build NW. It frees up cash flows and provides guaranteed returns.
Down a little bit this month, due to animal medical bills (my cat got diagnosed with cancer :(((( )
KatyNZ congrats on paying off your student loan! That's a great accomplishment! I can't wait until we can do that next year :)
KatyNZ congrats on paying off your student loan! That's a great accomplishment! I can't wait until we can do that next year :)
Just added my details to the spreadsheet. I haven't included retirement accounts (untouchable until I'm 65), or house value / mortgage. Just personal bank accounts and credit cards. Unfortunately right now I'm in the red by a considerable amount still, but since my starting amount was considerably worse than today when I first started reading MMM (only 7 months ago? That's gone quick!) I figure it will only take me a little while to at least get back to zero. Then I can start building!
Wow, I just won the lucky lotto for 250k at 7:22 pm on 14-October. I guess I win.
KatyNZ congrats on paying off your student loan! That's a great accomplishment! I can't wait until we can do that next year :)
You and I both! Congrats KatyNZ/RovingKiwi!
Wow, I just won the lucky lotto for 250k at 7:22 pm on 14-October. I guess I win.
KatyNZ congrats on paying off your student loan! That's a great accomplishment! I can't wait until we can do that next year :)
You and I both! Congrats KatyNZ/RovingKiwi!
Thanks, SpareChange - hope your own loan disappears at rapid pace! And good spotting on the name change - just thought I'd move to something slightly more anonymous. NZ is a very small place...
I would hate to be "that guy" but this just occurred to me while I was researching 401(k) Roth options.
I am assuming that everyone includes their 401(k) in the NW calc, I do. In doing my research into The Roth 401(k), I realized that the Roth 401(k) would have a smaller value than a traditional 401(k) because the traditional has not had the taxes withheld yet. So now I'm thinking that some of us my have some apples (traditional) and others have oranges (Roths), so to speak.
I don't think it's really a big deal in the grand scheme, but I thought it was interesting that you could be a millionaire with a traditional 401(k) then no longer be a millionaire once the taxes hit.
I would hate to be "that guy" but this just occurred to me while I was researching 401(k) Roth options.
I am assuming that everyone includes their 401(k) in the NW calc, I do. In doing my research into The Roth 401(k), I realized that the Roth 401(k) would have a smaller value than a traditional 401(k) because the traditional has not had the taxes withheld yet. So now I'm thinking that some of us my have some apples (traditional) and others have oranges (Roths), so to speak.
I don't think it's really a big deal in the grand scheme, but I thought it was interesting that you could be a millionaire with a traditional 401(k) then no longer be a millionaire once the taxes hit.
I would hate to be "that guy" but this just occurred to me while I was researching 401(k) Roth options.
I am assuming that everyone includes their 401(k) in the NW calc, I do. In doing my research into The Roth 401(k), I realized that the Roth 401(k) would have a smaller value than a traditional 401(k) because the traditional has not had the taxes withheld yet. So now I'm thinking that some of us my have some apples (traditional) and others have oranges (Roths), so to speak.
I don't think it's really a big deal in the grand scheme, but I thought it was interesting that you could be a millionaire with a traditional 401(k) then no longer be a millionaire once the taxes hit.
I would hate to be "that guy" but this just occurred to me while I was researching 401(k) Roth options.
I am assuming that everyone includes their 401(k) in the NW calc, I do. In doing my research into The Roth 401(k), I realized that the Roth 401(k) would have a smaller value than a traditional 401(k) because the traditional has not had the taxes withheld yet. So now I'm thinking that some of us my have some apples (traditional) and others have oranges (Roths), so to speak.
I don't think it's really a big deal in the grand scheme, but I thought it was interesting that you could be a millionaire with a traditional 401(k) then no longer be a millionaire once the taxes hit.
I'm starting to wonder if a Roth has any benefit at all over a traditional. As long as your deductions/exemptions equals your withdrawals, your taxes on the traditional will be $0. So enjoy the tax benefits of the traditional now in your high earning years and don't pay any taxes later. Win win.
This assumes that all your income in retirement is under deductions/exemptions. Standard deduction for married plus 2 exemptions is 12,400 + 3,950 + 3,950 = $20,300 for 2014. When you consider regular 401k has minimum withdraw plus maybe some income from hobbies plus maybe some rental income plus SSI it would be easy to be over $20,300 in income in retirement. Also don't forget the taxes on growth! Look at scenario below
Regular 401k: contribute $17,500; taxes -$4,375
- wait 40 years at 11%
- Balance $1,397,104
- Potential taxes @ 15% = $209,566
Roth 401K: contribute $17,500; taxes $0
- wait 40 years at 11%
- Balance $1,397,104
- Potential taxes @ 15% = $0
-$13,008. Goddam it, I wish I'd noticed that in time to take my change jar (containing $50+) to the bank today, and push me into the -$12k amount. Oh well, next time. :)
I'm really glad we're tracking. It's good to see it grow! I'm at $11,419 now, up from about $7,267 when we started.
A little about me: I work in admin at a funeral home. I like to write on the side and hope to some day self-publish and increase my income that way too. I work in SF but I'm staying out of the city with my parents for a few months to save up money, and then I'll probably move back to the city. Rent is cheaper out of the city but then I have to factor in commuting cost and time on Bart.
Because of MMM I've gotten myself out of debt and am saving up my emergency fund. My goal for 2015 is to start investing regularly.
Is it too late to join in???? I know i won't "Win" but it will be fun to track?
Is it too late to join in???? I know i won't "Win" but it will be fun to track?
Debts: $0
Savings: $7,750
Retirement Accts: $31, 637
NW: $39, 387 (increase of $889)
Where is this spreadsheet everyone is talking about? I can't find it.
I noticed rank is just "how close we are to 100k" which, I guess, is consistent with the idea! But I thought it'd be interesting to see, instead, improvement in net worth from the beginning, so I created a new sheet called "Growth." It's a rough start, and I suspect one of the worksheet wizards could do a lot to improve it, but if you like the idea, please jump in and make some improvements.
Or if you think this pollutes the whole contest irreparably, delete the sheet! :)
*Some might notice the odd coincidence that the creator of this new sheet is the best ranked. Totally... weird... coincidence ;)
6/30/2014: -$6922
7/31/2014: $2291 (yay positive! - downgraded car, don't expect $9k every month!)
8/31/2014: $5896
9/30/2014: $11,201
Changing jobs, I got a vacation payout, and a shift in when I'm paid. I also logged my quarterly changes in investment returns/dividends. Despite some (paper) losses from a rocky stock market, good dividend returns and gains in some places. If only every month was so positive!
10/31/2014: $14,610
I actually deleted some old "escrow" account information from my tracking software, which decreased my "apparent" net worth several hundred dollars, but the numbers going forward will be correct. Just a minor "apparent" setback. Not a bad month. I moved some money from savings into stocks during the 5% dip, and was pleased to see the values climb from there! Excited for 2015. Next month I can start contributing to my 401k pre-tax, plus get 4% employer match!
Oct 2014
Savings $89,520
SL -$67,477
NW $22,043
Congrats on the baby!! I'm due in 4 weeks, with my third. I'm a sahm, my hubby is an army lawyer (JAG) and we live on Oahu.
Also, could someone please please please update my numbers every month??? Please :-) I have no clue how to update from my ipad. Thanks!!! And thanks to Runge for doing this last time!!!
Sorry, I was trying to add the current NW column and make it self-updating. I got a little carried away and tried to make it too complicated for my skill level. Thanks for making it happen.
Alright. I'll bite. I'm currently at $12k only counting my investment accounts. I was up around 25k, but buying a house will really cut into that. Will we come back and update our original post, or just post a new one when we have an update?
Can someone explain to me how to update the chart from my ipad??? Please...
This is as of the beginning of the month, when i normally calculate it. I'm just now getting around to posting it. I had my baby girl..yay!!!
Can someone explain to me how to update the chart from my ipad??? Please...
Hold down the power button for a few seconds. Swipe across the screen. Walk over to a non-mobile device, turn it on. Navigate your way to this thread and open the google doc. Now it's editable!
Can someone explain to me how to update the chart from my ipad??? Please...
Hold down the power button for a few seconds. Swipe across the screen. Walk over to a non-mobile device, turn it on. Navigate your way to this thread and open the google doc. Now it's editable!
Can someone explain to me how to update the chart from my ipad??? Please...
Hold down the power button for a few seconds. Swipe across the screen. Walk over to a non-mobile device, turn it on. Navigate your way to this thread and open the google doc. Now it's editable!
Hahaha!!!
Jerk ;-)
Can someone explain to me how to update the chart from my ipad??? Please...
Hold down the power button for a few seconds. Swipe across the screen. Walk over to a non-mobile device, turn it on. Navigate your way to this thread and open the google doc. Now it's editable!
Hahaha!!!
Jerk ;-)
It maaaay have come off a bit more asshole-y than intended, at least it was taken as I meant it :).
I'm going to predict -$1000 around November 2014. And let's go with -$100, $0, and $100 in December, $1000 in February...I almost didn't make it, but a market bump, car value bump, and bonus for opening a Capital One 360 account put me at $150 for the end of the month. I have joined the land of the positive net worth! I could totes use a dancing emoticon right now!
Is anyone else having trouble with the spreadsheet? Mine isn't autocalculating my change and in the growth tab my user is next to completely different numbers.
Anyway, went from a $6100 net worth to about $11,500! Not too shabby!
Hi all,
Down $1050 this month compared to last month but had some expensive medical bills (almost $5K) so not too disheartened. Back to normal savings rate now.
I haven't been including my Super (retirement) savings but they are steadily growing also (up $6K in 2 months)
The spreadsheet seems to be working fine for me. I bought a nice road bike this month, so savings weren't quite what they would have been, but I got a hell of a deal on the bike. Used on Craigslist for $1,000, the MSRP is $4,200, has all the components I would like and came with clipless pedals and a pair of shoes.
Oct: $70,999.50
Nov: $73,869.62
Saved: $2,870.12
Next month our new high deductible health plan starts taking premiums, which will mean a bit of savings for us along with the adjustment done on my W-4, we should see our savings accelerate.
End of October Update:
Cash/Savings: $2,633
Mutual Funds (non-retirement, house savings): $10,139
Work Retirement Accounts: $28,508
NW: $41,280 (increase of $1893)
Is anyone else having trouble with the spreadsheet? Mine isn't autocalculating my change and in the growth tab my user is next to completely different numbers.
Anyway, went from a $6100 net worth to about $11,500! Not too shabby!
Is anyone else having trouble with the spreadsheet? Mine isn't autocalculating my change and in the growth tab my user is next to completely different numbers.
Anyway, went from a $6100 net worth to about $11,500! Not too shabby!
I only monitory the Net Worth tab, so I haven't really looked into the growth tab and related. I did make a few changes last month that utilized Google's ArrayFormula() formula, but it seems like it really bogs down the whole spreadsheet. I've reverted them back to normal formulas, so that should help.
Oct 2014
Savings $89,520
SL -$67,477
NW $22,043
Nov 2014
Debt 67,460
Savings 92,845
NW 25,385
$20k, so next month is going to look awesome.. I'm going to change my race to $120k, because i feel like i'm cheating with a windfall..
Why didn't I find this thread earlier? I just hit $0 net worth back around July, here are my net worth numbers:
July: -2460
Aug: 1780
Sept: 9409
Oct: 10594
Nov: 17052
Dec: 21525
This comes from maxing out a 401k, a really really generous employer contribution, and huge student loan overpayments. I tend to pay my student loans in large chunks every few months.
I am starting a new job in a month, and my 401k contributions will be dialed back to only hit their match (8% to get 4%), while I pay as much as possible to my loans with the goal of getting rid of them by December 2015.
Can anyone fix the spreadsheet? It crashes in Firefox and Safari continually and automatically for me. I want to add in my November net worth ($12,826). And see how far I've come. Thanks.
Still not working on FF or Safari on a Mac. It appears to load but then crashes immediately on loading.
Still not working on FF or Safari on a Mac. It appears to load but then crashes immediately on loading.
It also crashes for me in Safari, but works 100% in Chrome. Don't have FF installed on this box. I'm running MacOS 10.9.5.
Not a huge deal for me since I usually use Chrome, but there seems to be some incompatibility with something in the spreadsheet for Safari/FF. It's not likely a cache issue, since I can't remember the last time I fired up Safari on this machine (probably when it was Snow Leopard ;) )
End of November Update:
Cash/Savings: $3,092
Mutual Funds (non-retirement, house savings): $10,294
Work Retirement Accounts: $28,650
NW: $42,036 (increase of $756)
Not terrible, I saved a bit of cash and added my normal amount to my work RRSPs but didn't really make any gains on those with the fluctuations.
Month| | NV| | Change| | % Change |
May 2014| | 11,192.56| | --| | -- |
June 2014| | 12,600.36| | 1,407.80| | 12.58% |
July 2014| | 12,179.92| | -420.44| | -3.34% |
August 2014| | 14,695.45| | 2,515.53| | 20.65% |
September 2014| | 14,534.07| | -161.38| | -1.10% |
October 2014| | 15,774.94| | 1240.87| | 8.61% |
November 2014| | 16,496.95| | 722.01| | 4.51% |
December 2014| | 16,837.97| | 341.02| | 2.07% |
I did it! I surpassed the $30K line in Networth ($30,781).
With a bit of a downward fluctuation in stocks, I didn't think it was going to surpass, but it did :) I'm so proud of myself. Godspeed to 100K!
Broke the 50K mark!
Great month! Up 6607.29, to just over 40K. Received my 401k match. Worked some OT. Paid off my last student loan. Debt free now :).
Great month! Up 6607.29, to just over 40K. Received my 401k match. Worked some OT. Paid off my last student loan. Debt free now :).
Congratulations! Great being debt free. Now you'll be making the interest rather than paying it.
End of dec
Savings $111k
Student loans -$56k
NW $55k
Got paid early and won't be making anymore big financial moves this year so here is my end of December/end of 2014 update:
Cash/Savings: $3,805
Mutual Funds (non-retirement, house savings): $10,240
Work Retirement Accounts: $29,092
NW: $43,137 (increase of $1,101)
I crossed the 100k mark last month. Woo hoo!Congrats, Guizmo!!
I crossed the 100k mark last month. Woo hoo!Congratulations!!
I'll join in. But, I didn't start off at 10k because I received a large gift from my parents once I started grad school 06/13 (though I still had some of my own savings):
(These are all end of month figures)
05/13: 33.1k
06/13: 33.3k
07/13: 35.4k
08/13: 35.2k
09/13: 38.1k
10/13: 40.1k (whoo hit 40k!)
11/13: 41.5k
12/13: 44.9k
01/14: 44.7k
02/14: 47.7k
03/14: 50.6k (whoo hit 50k!)
04/14: 53.5k
05/14: 51.4k
06/14: 57.0k
07/14: 61.1k (whoo hit 60k!)
08/14: 61.2k
09/14: 63.5k
10/14: 65.1k
11/14: 67.5k
12/14: 72.7k (whoo hit 70k!)
01/15: 69.8k (damn dipped just below 70k =P)
Some notes:
I pay rent and school fees three times a year: August, January, and May (but not May 2013). Hence, my net worth tends to drop during those months.
I was by Mustachian standards spendy through 12/13. Fortunately, I still spent well within my means.
I found Bogleheads and started investing 03/14. I started being frugal, but not MMM frugal.
I'm pretty sure I found MMM around June 2014. I then raised my frugality to MMM standards.
I got paid quite a bit of overtime June and July 2014.
I was supposed to be paid $2750 in 01/15, but I got paid 12/14 instead, resulting in a sizeable drop in NW 01/15.
So far this month, my NW is $71.5k, mostly because of some nice investment gains but also because of one paycheck.
Welcome to this thread! There isn't really a requirement on where to start, but the goal is to exceed $100k.Oh haha I guess I missed that part.
Hi all! I've been lurking for a while and finally decided to throw my hat into the ring for some motivation and accountability. I started tracking my accounts and net worth in Summer 2014.
07/14: $29.2k
08/14: $33.3k (big lump paycheck from a previous job)
09/14: $35.5k
10/14: $37.1k
11/14: $39.7k
12/14: $50.4k (second big lump paycheck from previous job, plus stock market runup)
01/15: $51.0k
My progress should usually be more "slow and steady" than this trend implies--my usual monthly increase in net worth should be ~$1.3k.
My best month yet! Up $7750, largely due to the boatload of overtime I've had the opportunity to put in. I'll keep digging the gold as long as the mine stays open. ;)
As predicted, a big increase this month. Jumped up ~25% to $12750! Expecting to go back to the slower, more consistent growth for the next few months.
Feb. NW: 5600*raises glass* Here's to next month!
Mar. NW: 9300
Next paycheck I should be able to do the 10K happy dance!
*raises glass* Here's to next month!Oh, yeah, I guess I kind of count forward a bit. Current NW is end of Feb./Mar. 1st number.
EDIT: Wait you mean January and February, not February and March...?
I hit positive net worth this month!
I hit positive net worth this month!
Our numbers for February were bolstered by tax returns coming in, and an appraisal on our house. We'll probably see less increase next month, though a refinance deal will certainly shake things up a bit. Shouldn't hit any negative growth, but hard to saw how all the numbers work out in the end.
Jan: $82,878.52
Feb: $92,666.05
Total Increase: $9,787.53
If these numbers keep up we'll clear $100k mid year.
Between the stock market doing so well and tons of winter overtime (40 hours of paid OT so far in 2015), February was one of our best months yet!
Hard to believe how much progress my family has made since we hit $0 NW in April of 2014. I am hoping for $100k in early to mid summer which is unbelievable.
I wonder how much net worth MMM is directly responsible for helping build through his blog... it has to be millions and always growing. Kind of cool to think about.
This thread is so positive - everyone is doing awesome.. Keep up the good work all!
My old home computer crashes each time I try to update the spreadsheet, but here are my numbers for February:I recharacterized also! I ended up in the 25% bracket, even after a recharacterization. Regardless, that saved me $1705 for my 2014 taxes (of course, that just means I'll owe tax on this money later...but it should be at a lower rate - Roth conversion pipeline).
Networth: -31,726.00
Slow progress! I did my taxes yesterday and after playing around with the numbers I decided to recharacterize my Roth contributions and then take some of my Emergency Fund to fully fund a Traditional IRA for 2014. Not only am I getting a 1K larger tax refund, but I also got myself into the 15% tax bracket!! I am super excited!!
My old home computer crashes each time I try to update the spreadsheet, but here are my numbers for February:I recharacterized also! I ended up in the 25% bracket, even after a recharacterization. Regardless, that saved me $1705 for my 2014 taxes (of course, that just means I'll owe tax on this money later...but it should be at a lower rate - Roth conversion pipeline).
Networth: -31,726.00
Slow progress! I did my taxes yesterday and after playing around with the numbers I decided to recharacterize my Roth contributions and then take some of my Emergency Fund to fully fund a Traditional IRA for 2014. Not only am I getting a 1K larger tax refund, but I also got myself into the 15% tax bracket!! I am super excited!!
Woo-hoo! That is awesome! I am not too worried about the taxes later, as you noted. But it was shocking what a difference the recharacterization made! I feel like I just solved the puzzle or something! I know everyone debates the merits of Roth v. Traditional, but I had never actually done the numbers. This year I am maxing my 403B and I am going to try my damnedest to fully fund the Traditional as well. I am trying to take a new perspective on low-interest debt (student loans in my case) and play the long game....
Nice. Yea the numbers don't lie! Though your true after tax student loan interest rate is not 3.1% b/c of the student loan interest deduction (but you have to make sure to keep your AGI under the limit - phaseout of the deduction starts at a MAGI of 65k, and is completely phased out at 80k). By contributing to a traditional 403b or traditional IRA, you will lower your MAGI for the student loan interest deduction.My old home computer crashes each time I try to update the spreadsheet, but here are my numbers for February:I recharacterized also! I ended up in the 25% bracket, even after a recharacterization. Regardless, that saved me $1705 for my 2014 taxes (of course, that just means I'll owe tax on this money later...but it should be at a lower rate - Roth conversion pipeline).
Networth: -31,726.00
Slow progress! I did my taxes yesterday and after playing around with the numbers I decided to recharacterize my Roth contributions and then take some of my Emergency Fund to fully fund a Traditional IRA for 2014. Not only am I getting a 1K larger tax refund, but I also got myself into the 15% tax bracket!! I am super excited!!
Woo-hoo! That is awesome! I am not too worried about the taxes later, as you noted. But it was shocking what a difference the recharacterization made! I feel like I just solved the puzzle or something! I know everyone debates the merits of Roth v. Traditional, but I had never actually done the numbers. This year I am maxing my 403B and I am going to try my damnedest to fully fund the Traditional as well. I am trying to take a new perspective on low-interest debt (student loans in my case) and play the long game....
Haha that's basically what happened to me. I mean, I knew that it would be a tax break of 25% fed + 6% state. But until I actually went to calculate my taxes, for me there was a bit of a mental disconnect between a 31% tax deduction, and that 0.31*5500 = $1705.
What's the interest rate on your loans? And congrats on making maxing your 403b a priority! (I would say congrats on maxing your 403b, but it's only March and I assume you haven't done that yet...=P)
My private loans are variable but are hovering around 3.1% for the last few years. I hope that will remain the trend. I have a 50K balance so it's hard to prioritize investing, but the numbers don't lie! I also have about 90K in federal loans but I am on IBR so reducing my AGI is a double whammy, since my payment on those is based on AGI. I have about 6 years left on PSLF...I know people might yell at me for relying on PSLF, but I think it's the best for me.
This is my first year maxing the 403b....I might reevaluate if loan rates change or circumstances change.
I wonder how much net worth MMM is directly responsible for helping build through his blog... it has to be millions and always growing. Kind of cool to think about.
This thread is so positive - everyone is doing awesome.. Keep up the good work all!
End of January update:
Cash/Savings: $3,823
Mutual Funds (non-retirement, house savings): $10,697
Work Retirement Accounts: $31,979
NW: $46,499 (increase of $3,362)
I wonder how much net worth MMM is directly responsible for helping build through his blog... it has to be millions and always growing. Kind of cool to think about.
This thread is so positive - everyone is doing awesome.. Keep up the good work all!
This. Just looking at the progress made by those who have kept updating is amazing...and it hasn't even been a year since we started this sheet.
Hi racers! I just put all my info in the spreadsheet. Does it automatically reorder the rows or do I have to do something to trigger that?
This. Just looking at the progress made by those who have kept updating is amazing...and it hasn't even been a year since we started this sheet.
I know! After a year we should tally up the collective increase in NW that would be sweet to see!
This. Just looking at the progress made by those who have kept updating is amazing...and it hasn't even been a year since we started this sheet.
I know! After a year we should tally up the collective increase in NW that would be sweet to see!
Agreed!
I estimate I'll hit $100k net worth in 12/2016, and $100k invested assets in 1/2017.
Payday today. I did it! I did it! 10,000 NW! I can officially start the race now, LOL!Congrats Frogger!
I estimate I'll hit $100k net worth in 12/2016, and $100k invested assets in 1/2017.
Pooperman! We're living parallel lives! We both just got engaged and I'm aiming for $100k net worth 12/2016 as well.
Is it okay if I jump in and I'm over $10k to start?Yes! Welcome :-) Jump in the spreadsheet too!
And I'm a complete moron who didn't notice that there is such a spreadsheet in the OP. /face palmThis. Just looking at the progress made by those who have kept updating is amazing...and it hasn't even been a year since we started this sheet.
I know! After a year we should tally up the collective increase in NW that would be sweet to see!
Agreed!
Hm....should we start a spreadsheet for this like the cycling challenge? I'd be up for maintaining it.
Is it okay if I jump in and I'm over $10k to start?Yes! Welcome :-) Jump in the spreadsheet too!
I know that there is no way to win this contest and be the first to $100k, but I still want to beat some of you. :)
Net worth 6th of Feb:
53219
up 1750 from Jan.
Damn it, all these new contestants are making me drop like a rock in the spreadsheet, I was on 12 just a few days ago, now I'm on 17.
I guess I'll have to step up my game. :p
Damn it, all these new contestants are making me drop like a rock in the spreadsheet, I was on 12 just a few days ago, now I'm on 17.
I guess I'll have to step up my game. :p
Murphy's Law of the Spreadsheet...every contestant that joins after you will have a larger starting NW than your current one :).
A hearty welcome to all the new rows on the 'sheet!
I like the way people are encouraging in this thread so I'd like to join. I've said elsewhere on this forum that I expect to hit 100k in investments this year. Right now we're floating around $64k. Down about 1.5k from the recent stock slip. Looking to put away about $5200 a month. So we're hoping to hit our goal around September time.
Welcome to the thread! We've experienced a little setback this month too with the stock market fluctuation, abnormally high from last month due to tax refund, and an unexpected dental emergency that is leading to a trip to Taiwan now. But $5200/mo, that's awesome!
End of February update:
Cash/Savings: $4,317
Mutual Funds (non-retirement, house savings): $10,703
Work Retirement Accounts: $32,968
NW: $47,988 (increase of $1,489)
I am now over half way to the 100k mark!
Jan 2015: 69.8k
Feb 2015: 73.8k (Back over 70k!)
A larger than expected increase this month, with $2200 of rise in net worth coming from my investments (that's 55% of the growth coming from investments).
Found a new place to live that will cut my housing costs in half. That starts May 1st.
Found a new place to live that will cut my housing costs in half. That starts May 1st.
Badass! That'll speed your way to the finish line
Time to join:
3/9/15 - PC Net Worth $53,877
Do we have any graduates yet? Where's ohyonghao?Just getting in the numbers for March. Due to refinancing and a dental emergency we went down a little bit in net worth. As the refinance settles out with getting the escrow payment back, skipping a month in payments, and having $400 extra going from interest to principal every month we should see our net worth savings accelerate again.
Jan 2015: 69.8k
Feb 2015: 73.8k (Back over 70k!)
A larger than expected increase this month, with $2200 of rise in net worth coming from my investments (that's 55% of the growth coming from investments).
March 2015: 76.6k
Had a good month.
Found a new place to live that will cut my housing costs in half. That starts May 1st.
Aw shucks, my 3/31 401k contribution didn't land until 4/1 - you'll see it in next month's figure ;)
I always count things as they've been paid for. When I got paid on 3/31, the 401k and HSA won't hit until around 4/6, but I count it because the money has been sent that direction as of 3/31.
I've been debating that. I use my own home-brewed software, and I mark transactions as "posted" when they are "finished." So the money I spent on 3/31 at the grocery store on my Amex wasn't counted in my 3/31 net worth figure. It doesn't show up on the special report I have for that, because they weren't yet marked as "posted." Same with the 401k numbers. For consistency, I think I'm stuck waiting until I mark them.
EDIT: Plus point of interest... last quarter, big dividend payout went into Betterment investment/retirement 12/31, but this month it's going in ~today (i.e. late.)
I always count things as they've been paid for. When I got paid on 3/31, the 401k and HSA won't hit until around 4/6, but I count it because the money has been sent that direction as of 3/31.
I've been debating that. I use my own home-brewed software, and I mark transactions as "posted" when they are "finished." So the money I spent on 3/31 at the grocery store on my Amex wasn't counted in my 3/31 net worth figure. It doesn't show up on the special report I have for that, because they weren't yet marked as "posted." Same with the 401k numbers. For consistency, I think I'm stuck waiting until I mark them.
EDIT: Plus point of interest... last quarter, big dividend payout went into Betterment investment/retirement 12/31, but this month it's going in ~today (i.e. late.)
Heh. I use a slightly different approach. My rule is that anything that has tax implications must be tax accurate. Which usually means I need to use the post date.
But for purchases there are no tax implications (at least, not for me - I think this might matter if I owned a business or something). So for purchases I usually go by transaction date, not post date.
It really doesn't matter how you do it so long as you keep it consistent and it is providing you data the way you want to use it.
Just for kicks - for the 25 people on the spreadsheet that have a starting May, 2014 NW and a current March, 2015 NW:
Combined NW increase: $715,151.15
I like the way people are encouraging in this thread so I'd like to join. I've said elsewhere on this forum that I expect to hit 100k in investments this year. Right now we're floating around $64k. Down about 1.5k from the recent stock slip. Looking to put away about $5200 a month. So we're hoping to hit our goal around September time.
I might be at 50k now! I am waiting to get information on a mutual fund I opened when I was a kid, so I am hoping there's a couple thousand in there. Other investments just crossed 35k and I have about $13k liquid (should drop more into Vanguard, but I may use it to float living expenses so I can max my 401k this year). :)
I just started MMM-ing in January- curious how quickly I'll reach 100k!
Just hit $10K - hoping to be at $40K by end of 2015.Awesome - congratulations!
6/30/2014: -$6922
7/31/2014: $2291
8/31/2014: $5896
9/30/2014: $11,201
10/31/2014: $14,610
11/30/2014: $21,534
12/31/2014: $24,703
1/31/2015: $22,583
2/28/2015: $27,906
Ah yes back in the right direction. Despite a nearly $1400 repair, I'm doing well. Holiday bonus and a separate company wide bonus gave me a little edge. S.O. has paid me back some for our trip plans. New 401k kicked in and I bumped up my HSA contributions. Also got a big credit card bonus. ($200 from Chase.)
Just hit $10K - hoping to be at $40K by end of 2015.
I just hit 40k, which is more money than I've ever made in a year. Every 10k feels great to a lower income earner like me.
It's going to dip for awhile, though, because in May we are paying ~$3k for tuition, and then another ~$6k in the fall, with a continual $1700/month being saved for future tuition (through 2017). $1500-$2000/month or so will be going to investments. We originally wanted to have $50k invested by the end of the year but with school I'm not sure that's feasible unless the stock market does insanely well. :P I think we'll shoot for $40k. I'll be pretty happy if we can pull that off. :)
Hey guys! Up about $4k. I opened an HSA this month and funded it for the year. Nothing else too special about April...just steady as as she goes. OT dried up for this month, unfortunately. Hope everyone did well!
Up about $4k. I opened an HSA this month and funded it for the year.$4k is awesome! NW +7.4% Good stuff!
Wow SpareChange! In the past two months you sped right past me. Keep up the good work.
Hit 70k last month, 14.14% to FI and hoping to hit 100k by EOY :-)
Hoping by July we'll break $100k! (May is a 5th paycheck month, so that should help bolster our reserves :-)).
$4k is awesome! NW +7.4% Good stuff!
Wow SpareChange! In the past two months you sped right past me. Keep up the good work.
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
Paid for some car repairs this month and a little bit of indulgence too. Nothing too crazy but going to tighten down a bit this month.
Done moving moving around for this month so time for another snapshot, end of March:
Cash/Savings: $8,271
Mutual Funds (non-retirement, house savings): $10,756
Work Retirement Accounts: $33,506
NW: $52,533 (increase of $4,545):)
Big increase this month thanks to a ridiculous tax return (I will adjust for next year) and some lower expenditures. I am now over half way to the 100k mark!
Slowly making headway - more medical expenses last month ($5K) so happy I could absorb them and still make some savings. Hopefully only $1K more to outlay and then I can save, save, save!
Congratulations on the new job, Pooperman!
Thank you! New commute should be about ththe same, but working hours should be less in addition to the bump in salary. It will also allow me to do consulting on the side where I was forbidden from doing so due to the job I currently hold. I'll be glad when the wedding stuff is over. So much money spent on stuff (invitations, dress, suit, DJ, rings, etc). We're still positive most months (this one may be an exception), but our expenses would be lower if we weren't spending $500 every month on wedding related stuff. :/ hopefully the result of the wedding is a decent addition to our stache and the start of a downpayment fund for a house/rental.
Are you talking about net worth or the specific balance of a savings or investment account?
Does anyone have a goal for when they are trying to reach 100k?
It's been a busy month, but I just crunch my numbers from April: $50,742.21. I passed 50k! Halfway there
Congratulations, FoundPeace! I don't see why buying the home would slow your progress too much though, you'd count home value less loan value in your NW number right?
Looking towards recording end of month NW and it looks like I've gone backwards. I'm pretty bummed, its the first time I've experienced a backward step. The worst part is that it is not any special expenses or changed spending. It's just a spike in my investments at the end of last month and a drop this month combined with the timing of my pay. Hopefully the market stays down a bit and I can get a boost with a 3 pay check month.
This is a cool thread and a good motivator too to reach 100K$ ASAP. Now let's see my numbers. I have written down my networth since January 1st 2012,so I would say I had started really saving in 2011, before that my net worth hovered around 0$, I would never go in debt, but I wouldn't be saving anything really except by putting 25$ per month in my retirement account which is peanuts. Here are some stats:
January 1st 2012 net worth: 14 481.83$
January 1st 2013 net worth: 28 918.47$ Difference from the previous year: +14 436.64$
January 1st 2014 net worth: 45 459.98$ Difference from the previous year: +16 541.51$
January 1st 2015 net worth: 57 617.73$ Difference from the previous year: +12 157.75$
May 29th 2015 net worth: 69 810.94$ Difference between January1st 2015 net worth and May 29th): +12 193.21$
How much I need to reach 100K$: 30 189.06$
I started learning about MMM and saving more aggressively at the end of 2014 and it shows, I already amassed 12K$ in the last 5 months, so I am pretty confident I will save a minimum 7 K$ by the end of the year which would easily break my personal best of saving up 16K$ in one year in 2013. If things go well, I should hit 100K$ by 2017 (Hopefully before, but it all depends on how the stock mrket behaves in the next 2 years and if I don't get hit with high unexpected expenses). I am proud of myself, because I never thought I would ever come close of reaching it, especially with my low salary.
I just can't wait to hit the 100K$, hopefully the following 100K$ won't be as long.
For those who hit 100K$, how did you celebrate that achievement, I am planning to celebrate it by buying myself a treat, 2 lobsters to eat (my favorite dish) :)
For those who hit 100K$, how did you celebrate that achievement, I am planning to celebrate it by buying myself a treat, 2 lobsters to eat (I love eating lobster, but so expensive) :)
This month marks the end of one year of this challenge. How did you all fare?
I'll let you know in a couple days :-D
This month marks the end of one year of this challenge. How did you all fare? For me, I went from ~$8k to ~$36k. At this rate, it would take me 2 more years to hit $100k, but compounding should cut that down to about 1.5 years provided the market doesn't explode (about 50% chance it will). Of the $36k, about $24k is investments, so it won't compound as quickly as others who are taking this challenge with investments only.
Just graduated this Thursday, and ended May with a $16.5K net worth, an increase of roughly 4.1K per month since I started working in February. My salary is 3.5K per month gross... It's been a good first half of the year!!
Just graduated this Thursday, and ended May with a $16.5K net worth, an increase of roughly 4.1K per month since I started working in February. My salary is 3.5K per month gross... It's been a good first half of the year!!
Excellent start. Congrats on graduating!
Beginning of May update:
Cash/Savings: $7,772
Mutual Funds (non-retirement, house savings): $10,686
Work Retirement Accounts: $35,726
NW: $54,184 (increase of $1,651)
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
5/31/15: $100,323.89
Congratulations to everyone else who has been building their net worth. It's been an amazing year to watch all these numbers going up, and the encouragement every month seeing people reach for new heights.
This month marks the end of one year of this challenge. How did you all fare?
4/30/15: $94,786.61
5/31/15: $100,323.89
5/31/14: $48,054.09
---
4/30/15: $94,786.61
5/31/15: $100,323.89
Seems to be very consistent wiggle!
Seems to be very consistent wiggle!
Thanks :) My month to month comes in pretty consistent but would still love to improve things especially after seeing the month to month progress some others in this thread are making.
my networth has gone from -$52745 to -$23,782.18 in one year!
Stats time!
In the year ending May 31, 2015 the 30 'stachers with up-to-date NW in the spreadsheet:
Cumulatively stashed $1,089,612.54 !!!
5/31/14: $48,054.09
---
4/30/15: $94,786.61
5/31/15: $100,323.89
Monthly Increase for May: $5,537.28
Yearly Increase since last May: $52,269.80
I more than doubled my net worth in a year. Here's to doing it again this year :-D
It was close this month, we had 2 weeks in Taiwan visiting family. A fifth paycheck last month helped to boost us over the 100k mark while also making an early payment on our mortgage. I could have delayed the payment a couple days and boosted our numbers more, but I did enjoy the drive to reduce spending more knowing that I had only $x before dipping below $100k.
For celebration, well, we didn't really plan anything ahead of time, but I did have a beer at a restaurant while singing to myself:
"I'm mister fancy pants with a networth of $100k,
I'm mister fancy pants, sipping a $6 beer
which I could have bought at the store for $1.50
ohhhhhh, yeahhhh
I'm mister fancy pants."
But really, how do people justify getting not just one beer, but multiple beers at a restaurant, which I did witness there? And not just on a special occasion, like hitting a new high on net worth, but at nearly every dinner out? I couldn't stop thinking of the fact that I could nearly have bought a 6 pack for the price of a single beer, and at one table the cost of their drinks was more than our meal, which we also took home and had for dinner with some rice and veggies that night.
Congratulations to everyone else who has been building their net worth. It's been an amazing year to watch all these numbers going up, and the encouragement every month seeing people reach for new heights.
I've been on a LONG Hiatus from MMM.... Can I join even at negative NW?
End of May: -$59,533.84
5/31/14: $48,054.09
---
4/30/15: $94,786.61
5/31/15: $100,323.89
Congrats ohyonghao! Now you can graduate to the: http://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-100-to-250k/ (http://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-100-to-250k/) race!
5/31/14: $48,054.09
---
4/30/15: $94,786.61
5/31/15: $100,323.89
Monthly Increase for May: $5,537.28
Yearly Increase since last May: $52,269.80
I more than doubled my net worth in a year. Here's to doing it again this year :-D
I'm proud to be part of such an awesome group, keep up the good work everyone!
I'm in!! End of may was around $4k net worth. Hoping for $100k in 18-24 months.
Savings $75k
Student loans -$71k
Net worth $4k
I already have a journal, if you really want to see just how crazy i am ;) otherwise...good luck!!!
Beginning of June update:
Cash/Savings: $7,698
Mutual Funds (non-retirement, house savings): $10,651
Work Retirement Accounts: $37,383
NW: $55,732 (increase of $1,548)
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
Good for me, bad for my portfolio's self esteem.
Ah Greece.My net worth will get a huge hit when I compile all my investments thanks to Greece, I am not sure yet (I will find out about it tomorrow), but I have a feeling it will be the first month this year where my net worth will be lower than the previous month simply because of what's going on in Greece *sigh*...the only positive spin in all of this is that I will be buying stocks next week at major rebate.
By looking at the ETF versions of the mutual funds I hold, it looks like my portfolio will drop today by about 60% of my take home pay for the month.
This is why I like to focus more on savings rate as opposed to net worth - at least while I'm quite a ways away from my FIRE number.
June 2015: $85.9k
Oh boy, this is great! A thread for us "newbies" to ER! It can seem so out of reach sometimes reading about all the achievements of Mustachians about to FIRE with a million sacked away; it's really nice to read posts from people just starting out on their ER journey. This is the first year I'm really getting into it and my net worth should be around $45K by the end of the year between 401K, Roth and personal savings.
I'm aiming to be worth $75K by the end of next year, and hopefully 100K the year after that!
Hello Fellow Mustachian's,
Found the MMM website about a month ago, was already a mini mustachian without even knowing it. Have been sitting on the sidelines reading a bunch of the threads but as this particular topic is a current goal of mine, I decided this maybe just the thing to help keep me focused on the goal to 100K. Current NW is $$35,596. Projected year end NW should be about $45k.
Paid off my student loan this month
I'm getting there!
I should clear 100k in November-ish!
That being said, it is nice to finally be at the start line of this gauntlet.Congrats!
It's funny what a psychological drag debt can be.I know the feeling! But it sounds like you're listening to reason rather than emotion which is good! Unlike me - I paid off my 1.9% APR car way too fast and I know that was an expensive way to get rid of that psychological drag.
That being said, it is nice to finally be at the start line of this gauntlet.Congrats!It's funny what a psychological drag debt can be.I know the feeling! But it sounds like you're listening to reason rather than emotion which is good! Unlike me - I paid off my 1.9% APR car way too fast and I know that was an expensive way to get rid of that psychological drag.
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
I'm getting there!
I should clear 100k in November-ish!
Nice! You are killing it!
Yaay, I broke $80k this month!
$80,183.66, up $3,800 or 5% :-)
ETA: Also found a new apartment with 1 more bedroom AND closer to work for $170/mo less! Moving in in October. And, switching from Verizon to Project Fi ($60/mo to $30/mo) in the next 4-8 weeks!
I'm getting there!
$55,337.49 investments/deposit accounts
-$148.84 CC balance waiting for payoff
$37,193.16 home equity using Zillow (which is hopefully less than optimistic)
NW: $92,381.81
Not factoring in cars at all, but if I did I could add ~$15k.
$7,618.19 to go! I'm sending roughly $1900/mo to my 401k, so I should clear 100k in November-ish!
I'm getting there!
I should clear 100k in November-ish!
Nice! You are killing it!
Yaay, I broke $80k this month!
$80,183.66, up $3,800 or 5% :-)
ETA: Also found a new apartment with 1 more bedroom AND closer to work for $170/mo less! Moving in in October. And, switching from Verizon to Project Fi ($60/mo to $30/mo) in the next 4-8 weeks!
Recurring monthly savings are the best! Congrats!I'm getting there!
$55,337.49 investments/deposit accounts
-$148.84 CC balance waiting for payoff
$37,193.16 home equity using Zillow (which is hopefully less than optimistic)
NW: $92,381.81
Not factoring in cars at all, but if I did I could add ~$15k.
$7,618.19 to go! I'm sending roughly $1900/mo to my 401k, so I should clear 100k in November-ish!
Zillow's valuation of my house went up a little, and I got paid again...factoring in the mortgage payment and 401k contributions that should hit tomorrow-ish, I'm looking at $95,072.38. I might hit 100k in September or October! :D
My paychecks are scary small with my 401k running at 40%, but I'm going to see if I can stretch it to the end of the year to get as much into my 401k as possible. Now that I have a pay stub to look at, I have $2094.84/mo going to my 401k (including match). This would put my final year end contributions (excluding match) at $15597.63. Not quite max, but it should be next year.
In other good news, after certain roommates leaving, installation of a programmable thermostat, and a variable speed pool pump, my projected August electric bill is less than half of what the bill was last year ($396 -> $190). Huge difference!
Well, we did it :)! My wife and I have settled in above the $100k mark!!!
Jan 2015: 69.8k
Feb 2015: 73.8k (Back over 70k!)
March 2015: 76.6k
April 2015: $82.7k
May 2015: $85.1k
June 2015: $85.9k
Yaay, I broke $80k this month!
$80,183.66, up $3,800 or 5% :-)
ETA: Also found a new apartment with 1 more bedroom AND closer to work for $170/mo less! Moving in in October. And, switching from Verizon to Project Fi ($60/mo to $30/mo) in the next 4-8 weeks!
...
Nov 2011: -15,000 (debt -35,000)
Dec 2012: 1,000 (debt -30,000) hit positive NW.
Dec 2013: 10,200 (debt -20,000) moved to Canada mid 2013 and had our first child as well, and then the NW journey really took off with a promotion.
May 2014: 36,500 (0 debt) SO and I now vowed that the only debt we may ever consider is a mortgage
Dec 2014: 48,500 (had our second child, I know MMM proposes 1, but 2 is our number)
And in the last 2 months
May 2015: $63,000
June 2015: ~$65,550
...
I was really excited to get in on the race. But then I started adding things up.
Assets
My 1st Chequing - $165
My 2nd Chequing - $2850
My Wife's Chequing - $4150
My Short Term Savings - $3850
My Pension - $3000
My Wife's Pension - $4500
My Wife's TFSA - $1500
My Wife's RRSP - $1500
Our Primary Residence - $150,000
Our Secondary Property - $55,000
Total Assets - $225,515
Liabilities
Wife's Dental Loan - $7150
Primary Mortgage - $15,000
Secondary Mortgage - $48,500
Total Liabilities - $70,650
Total Net Worth - $155,865
I have to admit, I am incredibly surprised. I thought we were doing a lot worse than that. Sadly, however, that also means that I graduated from this race before I even started. And the next jump (to a quarter million) seems so impossibly far away.
5/31/2014: -$14,743
6/30/2014: -$7196
7/31/2014: $2017
8/31/2014: $5508
9/30/2014: $10,128
10/31/2014: $14,610
11/30/2014: $21,118
12/31/2014: $24,603
1/31/2015: $22,583
2/28/2015: $27,828
3/31/2015: $35,302
4/30/2015: $41,762
5/31/2015: $47,324
6/30/2015: $50,866
7/31/2015: $38,419
Well I'm glad most of you are making solid progress! Let me be the cautionary waisty-pants buffoon this month. Last July I downgraded my car and saw a big leap in net worth. This July, I gave in to temptation and bought a car from my credit union's repossession auction (for $4k under KBB). So there you see the huge dip in net worth!
I was really excited to get in on the race. But then I started adding things up.You're over halfway there already!
Assets
My 1st Chequing - $165
My 2nd Chequing - $2850
My Wife's Chequing - $4150
My Short Term Savings - $3850
My Pension - $3000
My Wife's Pension - $4500
My Wife's TFSA - $1500
My Wife's RRSP - $1500
Our Primary Residence - $150,000
Our Secondary Property - $55,000
Total Assets - $225,515
Liabilities
Wife's Dental Loan - $7150
Primary Mortgage - $15,000
Secondary Mortgage - $48,500
Total Liabilities - $70,650
Total Net Worth - $155,865
I have to admit, I am incredibly surprised. I thought we were doing a lot worse than that. Sadly, however, that also means that I graduated from this race before I even started. And the next jump (to a quarter million) seems so impossibly far away.
I was really excited to get in on the race. But then I started adding things up.You're over halfway there already!
Assets
My 1st Chequing - $165
My 2nd Chequing - $2850
My Wife's Chequing - $4150
My Short Term Savings - $3850
My Pension - $3000
My Wife's Pension - $4500
My Wife's TFSA - $1500
My Wife's RRSP - $1500
Our Primary Residence - $150,000
Our Secondary Property - $55,000
Total Assets - $225,515
Liabilities
Wife's Dental Loan - $7150
Primary Mortgage - $15,000
Secondary Mortgage - $48,500
Total Liabilities - $70,650
Total Net Worth - $155,865
I have to admit, I am incredibly surprised. I thought we were doing a lot worse than that. Sadly, however, that also means that I graduated from this race before I even started. And the next jump (to a quarter million) seems so impossibly far away.
5/31/2015: -$59,533
6/30/2015: -$55,028
7/31/2015: -40,621
Huge jump this month! Had some interest from a large loan forgiven. We certainly don't expect 5 figure changes every month :)
29M in Canada, 82k salary. Newbie to the forum, and started my Journey with MMM just a couple months ago. I certainly was living a similiar path trying to get out of student loan and clown-car debt, but MMM definitely helped me realize the possibilities and how to get there! NW was negative for many years before this start date. I've done what feels like tremendous work and halfway to the 100k networth now IF I include my Defined benefits pension (what are peoples thoughts on including this? i've read conflicting theories).I include all my pre tax investments, for example, at work, 45$ each pay is automatically deducted towards my work RRSP and my employers pay also 45$ each pay towards my work RRSP. Therefore it is like I receive 90$ of income and 90$ of that income goes towards investments...then my paycheck also goes towards income category, and my money invested with Questrade is also added in my investment categories....so yes you should include them because you are afterall investing with the difference that it is done automatically from your paycheck instead of manually doing it yourself.
Anyway, since the start of this "race":
6/1/2014 $2,412.33
7/1/2014 $4,975.97
8/1/2014 $7,970.02
9/1/2014 $8,705.61
10/1/0204 $12,429.31
11/1/2014 $14,805.83
12/1/2014 $16,910.20
1/1/2015 $19,405.41
2/1/2015 $22,499.52
3/1/2015 $20,136.84
4/1/2015 $19,879.58
5/1/2015 $23,874.52
6/1/2015 $30,000.00
7/1/2015 $37,946.41
8/1/2015 $52,700.00
29M in Canada, 82k salary. Newbie to the forum, and started my Journey with MMM just a couple months ago. I certainly was living a similiar path trying to get out of student loan and clown-car debt, but MMM definitely helped me realize the possibilities and how to get there! NW was negative for many years before this start date. I've done what feels like tremendous work and halfway to the 100k networth now IF I include my Defined benefits pension (what are peoples thoughts on including this? i've read conflicting theories).I include all my pre tax investments, for example, at work, I pay 45$ each pay towards my work RRSP and my employers pay also 45$ each pay towards my work RRSP. There for I receive 90$ of income and 90$ of investments...then my paycheck also goes towards income, and my investments with Questrade is also added in my investment categories....so yes you should include them because you are afterall investing with the difference that is done automatically from your paycheck instead of manually doing it yourself.
Anyway, since the start of this "race":
6/1/2014 $2,412.33
7/1/2014 $4,975.97
8/1/2014 $7,970.02
9/1/2014 $8,705.61
10/1/0204 $12,429.31
11/1/2014 $14,805.83
12/1/2014 $16,910.20
1/1/2015 $19,405.41
2/1/2015 $22,499.52
3/1/2015 $20,136.84
4/1/2015 $19,879.58
5/1/2015 $23,874.52
6/1/2015 $30,000.00
7/1/2015 $37,946.41
8/1/2015 $52,700.00
I calculated my net worth for the first time in months today: $98,060.Calculated it today: $104K!!!
So close...
Congrats :) Now you can join the 100-250K club.I calculated my net worth for the first time in months today: $98,060.Calculated it today: $104K!!!
So close...
Feels pretty damn good.
I calculated my net worth for the first time in months today: $98,060.Calculated it today: $104K!!!
So close...
Feels pretty damn good.
May 2015: $63,000Not a great month, August. The markets, the exchange rate and some unplanned home expenses cropping up leading to the first negative month in 2015. Sept might be worth looking forward to, with a small hike and the expenses at the home stabilizing.
June 2015: $65,550
July 2015: $74,250
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
7/31/2015 - $72,988.00
2015 Net worth:August: 71 906,04$
January: 61 647,49$
February: 63 787,57$
March: 64 489,46$
April: 65 584,07$
May: 69 863,33$
June: 69 561,33$
July: 72 747,51$
8/1/2015 $52,700.00
Forgot to do last month, as I was on vacation, so this reflects two of months.How do you forgot something important like an RRSP lol...I am sure your newly found RRSP has gone through the roof since it hasn't been touched. Plus, usually you have to send your RRSP slips when doing your tax returns, I am surprised that no one mentionned it.
The big news is I found an RRSP account I had at a job I had 10 years ago that I'd forgotten about, which has just under 16k in it! The other investments are down due to the market, and I've been paying off the concrete we had to replace in July so not as much money going into the FI fund.
The good news is we managed the concrete without debt by saving up for it, which is a nice change from old spendy me. I do need to put some money back in a few budget categories we pillaged to avoid debt, though, so it'll slow down capital deployment for a few more months.
Since June, we've gone from $17,736.00 to $33,380, a jump of 88%! (Just wish I could keep that up!)
Forgot to do last month, as I was on vacation, so this reflects two of months.How do you forgot something important like an RRSP lol...I am sure your newly found RRSP has gone through the roof since it hasn't been touched. Plus, usually you have to send your RRSP slips when doing your tax returns, I am surprised that no one mentionned it.
The big news is I found an RRSP account I had at a job I had 10 years ago that I'd forgotten about, which has just under 16k in it! The other investments are down due to the market, and I've been paying off the concrete we had to replace in July so not as much money going into the FI fund.
The good news is we managed the concrete without debt by saving up for it, which is a nice change from old spendy me. I do need to put some money back in a few budget categories we pillaged to avoid debt, though, so it'll slow down capital deployment for a few more months.
Since June, we've gone from $17,736.00 to $33,380, a jump of 88%! (Just wish I could keep that up!)
Good luck on the raise!
8/1/2015$52,700.00
Was able to do pretty well last month all things considered! Actually hoping for a decent, much better than inflation raise this month too. But that's still hoping and unconfirmed. If it happens, I will split 50/50 of the raised amount to a debt and into increasing my TFSA contributions.
Up to
9/1/2015 - $57,358.64
Jumping in!Welcome!
My financial year goes from 9/1 to 8/31, as I am a teacher and my salary change kicks in during September. It makes more sense for me that way. So, here we go:
Roth IRA: $33,598.33
VTSAX: $12,199.90
Savings/Checking: $20,408.84
Pension: $5,280
Car: ~$7,000
9/1/2015: $78,482.07
I'd like to hit $100,000 by next summer, given that I am saving/investing roughly $1400-$1800/month.
I went from $64,710.93 at the 1st to $64,194.10. Ouch. As my net worth grows I have to get used to the fact that the market will have a bigger and bigger impact.
Thanks to cash birthday gifts (and continued stashing), net worth went up despite the market:
+2.55% to 82,002.95.
Minimum target for EOY is 90,500, but hoping to get as close to the finish line as possible :-)
Looks like spreadsheet is still wacked out :/
Welcome back, carozy!! And welcome to all the other new posters!
Can I join in, but make this just for my TSP?
I think I got the spreadsheet back to normal-ish? Added columns through the end of the year too.
I would like to join this challenge. According to YNAB, our current net worth is:Welcome!
5 Sep 2015 - $13,058
Just got around to doing the calculations. Up another $1600.
So far for the year I'm at a 52% post tax and a 61% pre-tax savings rate. My effective tax rate so far this year is 15% (and that includes my ridiculous OR income taxes @ 7%)! This is the real win for me.
I've read MMM for about a year now, but I'm new to the forums. I was recently promoted at work and my family and I are making a cross-country move as part of the transfer. My wife and I are 27, with no children and no student loan debt. We do carry a significant amount of CC debt (all at 0% with the use of balance transfer checks (2-3% per transaction)). We are currently trying to max out all tax-advantaged accounts (~50k/year, primary) while also paying down the CC debt (secondary). Our current goal is to reach $100k in net worth by June 2016 and $250k by her 30th birthday, with an eye towards FIRE sometime in our late 30s. We are also wanting to raise a family, but aren't planning on having children anytime in the next few years. Below is our net worth trajectory over the past 6 months:
March 2015: $36,337
April 2015: $38,120
May 2015: $42,347
June 2015: $47,346
July 2015: $56,109
August 2015: $59,985
Looking forward to hearing other stories as we all reach towards $100k!
Joining as well. I was waiting for the new month only to almost miss it.
2015-08-31 9,999
2015-09-30 9,986
1/1/2015 - $46,207.00
2/1/2015 - $47,296.00
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
7/31/2015 - $72,988.00
9/1/2015 - $73,706.00
Not a great month, August. The markets, the exchange rate and some unplanned home expenses cropping up leading to the first negative month in 2015. Sept might be worth looking forward to, with a small hike and the expenses at the home stabilizing.Market headwinds continue, but some additional income (hike, arrears and canada tax benefits arrears) has kicked in to push the savings higher and buy more into the uncertain market.
May 2015: $63,000
June 2015: $65,550
July 2015: $74,250
Aug 2015: $73,900
I'm in!! End of may was around $4k net worth. Hoping for $100k in 18-24 months.
Savings $75k
Student loans -$71k
Net worth $4k
I already have a journal, if you really want to see just how crazy i am ;) otherwise...good luck!!!
1 year update... (I "quit" tracking because i can't update the google doc)
Savings $135k
Student loans -$54k
NW $81k
Great job everybody!!! And congrats to those who already made it!!
I've read MMM for about a year now, but I'm new to the forums. I was recently promoted at work and my family and I are making a cross-country move as part of the transfer. My wife and I are 27, with no children and no student loan debt. We do carry a significant amount of CC debt (all at 0% with the use of balance transfer checks (2-3% per transaction)). We are currently trying to max out all tax-advantaged accounts (~50k/year, primary) while also paying down the CC debt (secondary). Our current goal is to reach $100k in net worth by June 2016 and $250k by her 30th birthday, with an eye towards FIRE sometime in our late 30s. We are also wanting to raise a family, but aren't planning on having children anytime in the next few years. Below is our net worth trajectory over the past 6 months:
March 2015: $36,337
April 2015: $38,120
May 2015: $42,347
June 2015: $47,346
July 2015: $56,109
August 2015: $59,985
Looking forward to hearing other stories as we all reach towards $100k!
September 2015: $59,189
Tough month in the stock market, and my wife is looking for work following our move. The march towards $100k may be stuck in the $60's for the next few months, but the goal is still June 2016.
1/1/2015 - $46,207.00
2/1/2015 - $47,296.00
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
7/31/2015 - $72,988.00
9/1/2015 - $73,706.00
10/2/2015 - $76,853.00
2015-08-31 9,999
2015-09-30 9,986
2015-10-30 14,504
How did you manage to avoid a dip in July-September? Unlike everybody else, yours just goes up and up and up like the Energizer Bunny.
1/1/2015 - $46,207.00
2/1/2015 - $47,296.00
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
7/31/2015 - $72,988.00
9/1/2015 - $73,706.00
10/2/2015 - $76,853.00
10/30/2015 - $80,747.00
We did it! Our net worth (including everything) is $101,521.89. Woohoo six figures!
Well, I decided to stop counting the value of my car in my NW and went back and recalculated and edited my figures since the start of the race. The bad news is I had to reset well below 10K again. The good news is that I get to do the 10K dance over again in probably five-ish months, now with less depreciation.
So, with the modified numbers:
September 30: 1,100
October 31: 4,100
Positive movement, at least.
Market headwinds continue, but some additional income (hike, arrears and canada tax benefits arrears) has kicked in to push the savings higher and buy more into the uncertain market.Made a minor accounting adjustment. Used to consider the 2nd paycheck of the month for the following month's budgeting. But that used to cause a bit of confusion in calculations. I had to make that adjustment eventually and I bit the bullet this month. That reflects in the sudden jump of close to 7700 this month.
June 2015: $65,550
July 2015: $74,250
Aug 2015: $73,900
Sep 2015: $78,300
90K looks difficult by Dec 2015. But still on target for 100k by Mar / Apr 2016.
We did it! Our net worth (including everything) is $101,521.89. Woohoo six figures! The market going back up was a big help this month. As were some decreased expenses that gave us a couple hundred extra bucks. $71,510 is in investments, and the rest is in various savings and checking accounts. Moving on up to the next thread-though I think we'll be a bit slower than some other people on that climb. We were hoping to hit $100,000 by the end of the year, and we made it with two months to go! Woohoo!
Good luck to everyone else, keep it going :)
How did you manage to avoid a dip in July-September? Unlike everybody else, yours just goes up and up and up like the Energizer Bunny.
1/1/2015 - $46,207.00
2/1/2015 - $47,296.00
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
7/31/2015 - $72,988.00
9/1/2015 - $73,706.00
10/2/2015 - $76,853.00
10/30/2015 - $80,747.00
Officially over halfway there!!Your post stood out to me because of the time period and somewhat similar numbers. You started tracking around the same time I did. You kicked my butt, however. See post #680, a few above. You started with less than me and ended up with more than me in October.
EOY 2014: 20,639.31
Jan 2015: 22,508.74
Feb 2015: 30,778.55
Mar 2015: 34,001.91
Apr 2015: 36,607.49
May 2015: 38,382.26
Jun 2015: 42,838.00
Jul 2015: 48,495.61
Aug 2015: 46,205.22
Sep 2015: 49,753.59
Oct 2015: 53,968.55
I'd like to join in, although I'm starting above $10,000. It seems like others have as well so hope it's ok.
Just started a journal on here with a plan of having $80K net worth (40K for me and 40K for my husband)by the end of 2017. Maybe this will motivate/help me to get to the $100K mark instead by that time.
As of 30 Oct - $30,648
Officially over halfway there!!Your post stood out to me because of the time period and somewhat similar numbers. You started tracking around the same time I did. You kicked my butt, however. See post #680, a few above. You started with less than me and ended up with more than me in October.
EOY 2014: 20,639.31
Jan 2015: 22,508.74
Feb 2015: 30,778.55
Mar 2015: 34,001.91
Apr 2015: 36,607.49
May 2015: 38,382.26
Jun 2015: 42,838.00
Jul 2015: 48,495.61
Aug 2015: 46,205.22
Sep 2015: 49,753.59
Oct 2015: 53,968.55
I need to kick my rear end into gear and get this net worth thing moving . . .
I am here to make you all feel better about yourselves. :)
I have gone from -$52,745.00 in May 2014 to -$10,177.00 in October 2015. My stretch goal was a big fat $0 net worth by the end of 2015. I know it's still possible, but it will definitely be a stretch! Fingers crossed!!!
Curse you, student loans!!!
I'm in!! End of may was around $4k net worth. Hoping for $100k in 18-24 months.
Savings $75k
Student loans -$71k
Net worth $4k
I already have a journal, if you really want to see just how crazy i am ;) otherwise...good luck!!!
1 year update... (I "quit" tracking because i can't update the google doc)
Savings $135k
Student loans -$54k
NW $81k
Great job everybody!!! And congrats to those who already made it!!
I'm still hanging in there!!
Savings $135k
Student loans $46k
NW = $88k
Congrats to all on their progress!
It was weird going down in September!
July: 79,961.10
Aug: 81,646.21
Sep: 79,574.76 - ouch
Oct: 87,961.41 - woohoo!
Looking good to hit my baseline target of $90,500 for the year - hoping to get closer to the finish line though!
I've read MMM for about a year now, but I'm new to the forums. I was recently promoted at work and my family and I are making a cross-country move as part of the transfer. My wife and I are 27, with no children and no student loan debt. We do carry a significant amount of CC debt (all at 0% with the use of balance transfer checks (2-3% per transaction)). We are currently trying to max out all tax-advantaged accounts (~50k/year, primary) while also paying down the CC debt (secondary). Our current goal is to reach $100k in net worth by June 2016 and $250k by her 30th birthday, with an eye towards FIRE sometime in our late 30s. We are also wanting to raise a family, but aren't planning on having children anytime in the next few years. Below is our net worth trajectory over the past 6 months:
March 2015: $36,337
April 2015: $38,120
May 2015: $42,347
June 2015: $47,346
July 2015: $56,109
August 2015: $59,985
September 2015: $59,189
October 2015: $65,204
I'm so close...got paid again, 401k contribution is out of my check but hasn't hit Vanguard yet, so I'm adding it anyway.
$7725.02 net cash (zeroing current CC balance)
$38912.77 house equity
$3085.31 employer stock
$3136.02 Franklin Templeton
$43,068.59 Vanguard
$96,975.13
SO CLOSE!!! I even spent ~$450 I wouldn't have normally spent this month...definitely makes me want to curb spending even more so I break 100k, hahaha...
$105,781! :)
I'm so close...got paid again, 401k contribution is out of my check but hasn't hit Vanguard yet, so I'm adding it anyway.
$7725.02 net cash (zeroing current CC balance)
$38912.77 house equity
$3085.31 employer stock
$3136.02 Franklin Templeton
$43,068.59 Vanguard
$96,975.13
SO CLOSE!!! I even spent ~$450 I wouldn't have normally spent this month...definitely makes me want to curb spending even more so I break 100k, hahaha...
Just in investments/housing - I'm there!
$57526 401k/IRA/taxable
$48255 home equity if Zillow is to be believed (a proper appraisal is on my list of things to do so I can drop PMI)
$105,781! :)
I'm so close...got paid again, 401k contribution is out of my check but hasn't hit Vanguard yet, so I'm adding it anyway.
$7725.02 net cash (zeroing current CC balance)
$38912.77 house equity
$3085.31 employer stock
$3136.02 Franklin Templeton
$43,068.59 Vanguard
$96,975.13
SO CLOSE!!! I even spent ~$450 I wouldn't have normally spent this month...definitely makes me want to curb spending even more so I break 100k, hahaha...
Just in investments/housing - I'm there!
$57526 401k/IRA/taxable
$48255 home equity if Zillow is to be believed (a proper appraisal is on my list of things to do so I can drop PMI)
$105,781! :)
Steady progress and ~2,600 growth this month despite a lot of un-planned expenses this month. A bit of tightening up to do in the holiday season to end the year on a high.Market headwinds continue, but some additional income (hike, arrears and canada tax benefits arrears) has kicked in to push the savings higher and buy more into the uncertain market.Made a minor accounting adjustment. Used to consider the 2nd paycheck of the month for the following month's budgeting. But that used to cause a bit of confusion in calculations. I had to make that adjustment eventually and I bit the bullet this month. That reflects in the sudden jump of close to 7700 this month.
June 2015: $65,550
July 2015: $74,250
Aug 2015: $73,900
Sep 2015: $78,300
90K looks difficult by Dec 2015. But still on target for 100k by Mar / Apr 2016.
But this number is a correct reflection of NetWorth (all the accounts put together) as they stand on 31st Oct 2015 .
June 2015: $65,550
July 2015: $74,250
Aug 2015: $73,900
Sep 2015: $78,300
Oct 2015: $86,014
1/1/2015 - $46,207.00
2/1/2015 - $47,296.00
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
7/31/2015 - $72,988.00
9/1/2015 - $73,706.00
10/2/2015 - $76,853.00
10/30/2015 - $80,747.00
I am in negative 4 digits!!! -$8467.04
Is it too late to join this?Welcome!
Just hit $40,061 as of 1 December.
Thanks! I've been lurking on here since October, and finally decided to join up today. It's been inspiring to read about so many successes, and a great motivator for me. Aiming to learn as much as I can from you all.
2015-08-31 9,999
2015-09-30 9,986
2015-10-30 14,504
2015-11-30 16,724
Savings $138,560I'm in!! End of may was around $4k net worth. Hoping for $100k in 18-24 months.
Savings $75k
Student loans -$71k
Net worth $4k
I already have a journal, if you really want to see just how crazy i am ;) otherwise...good luck!!!
1 year update... (I "quit" tracking because i can't update the google doc)
Savings $135k
Student loans -$54k
NW $81k
Great job everybody!!! And congrats to those who already made it!!
I'm still hanging in there!!
Savings $135k
Student loans $46k
NW = $88k
Oct 2015
Save $140,158
Debt $46,734
NW = $93,424
Sooooo close!!!
It was negative all of my life until two or three years ago (at one point negative $200k or so). I never tracked it because it was too depressing.
$27,512.11 November 2014
$32,550.93 January 2015
$37,692.25 April 2015
$41,623.39 June 2015
$35,929.89 July 2015 (Ouch!!!)
$45,275.83 October 2015
EOY 2014: 20,639.31And you're still ahead in November! I can see your tail lights and am choking on your dust!
Jan 2015: 22,508.74
Feb 2015: 30,778.55
Mar 2015: 34,001.91
Apr 2015: 36,607.49
May 2015: 38,382.26
Jun 2015: 42,838.00
Jul 2015: 48,495.61
Aug 2015: 46,205.22
Sep 2015: 49,753.59
Oct 2015: 54,243.55
Nov 2015: 59,392.35
Up 9.49%! Sooo close to $60k, which is our end of 2015 goal.
EOY 2014: 20,639.31And you're still ahead in November! I can see your tail lights and am choking on your dust!
Jan 2015: 22,508.74
Feb 2015: 30,778.55
Mar 2015: 34,001.91
Apr 2015: 36,607.49
May 2015: 38,382.26
Jun 2015: 42,838.00
Jul 2015: 48,495.61
Aug 2015: 46,205.22
Sep 2015: 49,753.59
Oct 2015: 54,243.55
Nov 2015: 59,392.35
Up 9.49%! Sooo close to $60k, which is our end of 2015 goal.
I've read MMM for about a year now, but I'm new to the forums. I was recently promoted at work and my family and I are making a cross-country move as part of the transfer. My wife and I are 27, with no children and no student loan debt. We do carry a significant amount of CC debt (all at 0% with the use of balance transfer checks (2-3% per transaction)). We are currently trying to max out all tax-advantaged accounts (~50k/year, primary) while also paying down the CC debt (secondary). Our current goal is to reach $100k in net worth by June 2016 and $250k by her 30th birthday, with an eye towards FIRE sometime in our late 30s. We are also wanting to raise a family, but aren't planning on having children anytime in the next few years. Below is our net worth trajectory over the past 9 months:
March 2015: $36,337
April 2015: $38,120
May 2015: $42,347
June 2015: $47,346
July 2015: $56,109
August 2015: $59,985
September 2015: $59,189
October 2015: $65,204
November 2015: $67,240
I've read MMM for about a year now, but I'm new to the forums. I was recently promoted at work and my family and I are making a cross-country move as part of the transfer. My wife and I are 27, with no children and no student loan debt. We do carry a significant amount of CC debt (all at 0% with the use of balance transfer checks (2-3% per transaction)). We are currently trying to max out all tax-advantaged accounts (~50k/year, primary) while also paying down the CC debt (secondary). Our current goal is to reach $100k in net worth by June 2016 and $250k by her 30th birthday, with an eye towards FIRE sometime in our late 30s. We are also wanting to raise a family, but aren't planning on having children anytime in the next few years. Below is our net worth trajectory over the past 9 months:
March 2015: $36,337
April 2015: $38,120
May 2015: $42,347
June 2015: $47,346
July 2015: $56,109
August 2015: $59,985
September 2015: $59,189
October 2015: $65,204
November 2015: $67,240
December 2015: $66,735
I am based in Switzerland, thus calculating in Swiss Francs (CHF almost same as USD):
January 2015: CHF 49,805
...
November 2015: CHF 66,524
1/1/2015 - $46,207.00
2/1/2015 - $47,296.00
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
7/31/2015 - $72,988.00
9/1/2015 - $73,706.00
10/2/2015 - $76,853.00
10/30/2015 - $80,747.00
11/30/2015 - $95,741.00
Nice pooplips!
We hit $57,650 at the end of the year. January is not going to be good for the NW, I suspect. Something like $9k in unusual expenses on top of the usual $3k spending with only about $6k of net income (+ about $850 in deductions/savings so about $7k). -$5k here we come! If I can break it out over a couple of months or reduce it via credit card rewards, I will. It's still going to hurt though.
30 Oct - $30,648
30 Nov - $32,564
2015-08-31 9,999A very small increase from last month due to less savings, but 2015 ends with an overall increase of 67%.
2015-09-30 9,986
2015-10-30 14,504
2015-11-30 16,724
2015-12-31 16,743
Lower than avg expenses + holiday OT = good month. Up over 5k (6.02%) to just over 90K. Home stretch! ;).Nice jump! We're almost there
Up 56,770.74 for the year.
Soooo close!1/1/2015 - $46,207.00
2/1/2015 - $47,296.00
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
7/31/2015 - $72,988.00
9/1/2015 - $73,706.00
10/2/2015 - $76,853.00
10/30/2015 - $80,747.00
11/30/2015 - $95,741.00
12/31/2015 - 99,740.00
Big increase this month with the generous christmas gifts from our parents. So close I can taste it.
I broke my Goal of 70k networth to start 2016.Happy New Year! Congrats on reaching your goal!
$70,395.59 to be exact, an increase of 6.5%.
I think I'll slow down on growth a little over the next few months with things like ei and cpp (canada) payments coming off the paycheques again, as well as property taxes, insurance, etc. Hoping to graduate from this group in 2016. Conservative target is by end of December but if things go alright I might be able to get it done by the end of Summer.
Happy new year to all, may your stache start to curl in 2016!
9/1: $78,487.07
10/1: $81,428.69
11/1: $87,887.66
12/1: $90,220.55
Smaller increase than last month (no huge market gains), but ever upward!! With three paychecks this month and a stipend for my winter coaching position, December should be a great month for the NW.
Still aiming to hit $100,000 sometime in the March-May time frame - hoping for March.
Lower than avg expenses + holiday OT = good month. Up over 5k (6.02%) to just over 90K. Home stretch! ;).Nice jump! We're almost there
Up 56,770.74 for the year.
I made it! I crossed $100,000 shortly before Christmas, then held my breath while the markets zig zagged this past week. But I just checked and I'm still north of $100k, therefore making it officially official.
I made it! I crossed $100,000 shortly before Christmas, then held my breath while the markets zig zagged this past week. But I just checked and I'm still north of $100k, therefore making it officially official.
Excellent! Congratulations!!! :)
I've passed 100k if I factor in home equity, but I closed the year around 61k invested - I'm hoping to break 100k just in investments in 2016, so I'll stick around! :D
I made it! I crossed $100,000 shortly before Christmas, then held my breath while the markets zig zagged this past week. But I just checked and I'm still north of $100k, therefore making it officially official.
I've passed 100k if I factor in home equity, but I closed the year around 61k invested - I'm hoping to break 100k just in investments in 2016, so I'll stick around! :D
Realistically, I'm looking to hit $75K by the end of 2016, with a stretch-goal of $80K. I can't wait to hit $100K!
I have a good job, but I can't see myself staying in it for 5 more years. Great benefits, but I am fairly bored in it and would like to do other things with my life. I think if I could get a NW of $100K with about $20K in cash, I could feel comfortable with the risk of trying something else. I just want to have the cushion of being able to quit anything I'm not happy with. The last thing I want to do is quit my ho-hum but secure job for something that sounds good but turns out to be pure misery. I've had a pure misery job, know how easily I could be in one and know a great deal of people continue in one because they have no other choice. I want to keep at least 1-yr of living expenses on hand for bugging out.
$91,055.26 - beat my target of $90,500 for the year but was hoping to be a bit closer to the finish line.
I've passed 100k if I factor in home equity, but I closed the year around 61k invested - I'm hoping to break 100k just in investments in 2016, so I'll stick around! :D
Realistically, I'm looking to hit $75K by the end of 2016, with a stretch-goal of $80K. I can't wait to hit $100K!
I have a good job, but I can't see myself staying in it for 5 more years. Great benefits, but I am fairly bored in it and would like to do other things with my life. I think if I could get a NW of $100K with about $20K in cash, I could feel comfortable with the risk of trying something else. I just want to have the cushion of being able to quit anything I'm not happy with. The last thing I want to do is quit my ho-hum but secure job for something that sounds good but turns out to be pure misery. I've had a pure misery job, know how easily I could be in one and know a great deal of people continue in one because they have no other choice. I want to keep at least 1-yr of living expenses on hand for bugging out.
Good luck! Sometimes a leap like that turns out even better than you expected. I quit a secure government job just over four years ago to move to the other side of the country (I quit with no job lined up)..fast forward to now - I'm in a new field entirely, my salary has doubled since then and I'm really quite happy. :)
$90k is more likely for me this year, but a stretch goal of $100k sounds good. :D
I've passed 100k if I factor in home equity, but I closed the year around 61k invested - I'm hoping to break 100k just in investments in 2016, so I'll stick around! :D
Realistically, I'm looking to hit $75K by the end of 2016, with a stretch-goal of $80K. I can't wait to hit $100K!
I have a good job, but I can't see myself staying in it for 5 more years. Great benefits, but I am fairly bored in it and would like to do other things with my life. I think if I could get a NW of $100K with about $20K in cash, I could feel comfortable with the risk of trying something else. I just want to have the cushion of being able to quit anything I'm not happy with. The last thing I want to do is quit my ho-hum but secure job for something that sounds good but turns out to be pure misery. I've had a pure misery job, know how easily I could be in one and know a great deal of people continue in one because they have no other choice. I want to keep at least 1-yr of living expenses on hand for bugging out.
I think you have the right idea. I just resigned from my current job and am starting a new job this month that pays better but the new company is much smaller and not as risk free as my old job. However, with a decent size emergency fund and investments I don't feel worried at all about the transition.
Steady progress and ~2,600 growth this month despite a lot of un-planned expenses this month. A bit of tightening up to do in the holiday season to end the year on a high.December turned out another negative month.
June 2015: $65,550
July 2015: $74,250
Aug 2015: $73,900
Sep 2015: $78,300
Oct 2015: $86,014
Oct 2015: $88,620
In on this thread
Started 2016 at around 55k NW (though, like everyone else, have been getting facepunched by the market this week).
I've read MMM for about a year now, but I'm new to the forums. I was recently promoted at work and my family and I are making a cross-country move as part of the transfer. My wife and I are 27, with no children and no student loan debt. We do carry a significant amount of CC debt (all at 0% with the use of balance transfer checks (2-3% per transaction)). We are currently trying to max out all tax-advantaged accounts (~50k/year, primary) while also paying down the CC debt (secondary). Our current goal is to reach $100k in net worth by June 2016 and $250k by her 30th birthday, with an eye towards FIRE sometime in our late 30s. We are also wanting to raise a family, but aren't planning on having children anytime in the next few years. Below is our net worth trajectory over the past 9 months:
March 2015: $36,337
April 2015: $38,120
May 2015: $42,347
June 2015: $47,346
July 2015: $56,109
August 2015: $59,985
September 2015: $59,189
October 2015: $65,204
November 2015: $67,240
December 2015: $66,735
January 2015: CHF 49,805
...
November 2015: CHF 66,524
December 2015: CHF 67'473
1/1/2015 - $46,207.00
2/1/2015 - $47,296.00
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
7/31/2015 - $72,988.00
9/1/2015 - $73,706.00
10/2/2015 - $76,853.00
10/30/2015 - $80,747.00
11/30/2015 - $95,741.00
12/31/2015 - $99,740.00
December turned out another negative month.
A lot of planned expenses during the holiday season went way over budget, with multiple visits across the border to the US.
As I am consolidating only this week the head winds in the market right into 2016 did not help either.
June 2015: $65,550
July 2015: $74,250
Aug 2015: $73,900
Sep 2015: $78,300
Oct 2015: $86,014
Nov 2015: $88,620
Dec 2015: $88,329
Missed the target of reaching 90K by end of 2015, but still on target to reach 100K by Mar / Apr 2016.
The overall gain of 39,829 in 2015 is not much of a jump from 38,300 in 2014.
While the 2nd one born in Dec 2014 and a bunch of related activities, like hosting the parents and in-laws for additional support added to the overall expenses, there were still a lot of unplanned expenses.
I better work further on the frugality muscles in 2016.
$40,061 - 1 Dec 2015
$43,153 - 1 Jan 2016
I broke my Goal of 70k networth to start 2016.
$70,395.59 to be exact, an increase of 6.5%.
Congratulations!1/1/2015 - $46,207.00
2/1/2015 - $47,296.00
3/9/15 - PC Net Worth $53,877
4/1/2015 - $60,080.00
5/1/2015 - $63,589.00
6/1/2015 - $65,962.00
6/26/2015 - $70,181.00
7/31/2015 - $72,988.00
9/1/2015 - $73,706.00
10/2/2015 - $76,853.00
10/30/2015 - $80,747.00
11/30/2015 - $95,741.00
12/31/2015 - $99,740.00
1/31/2016 - $101,376.00
And boom! Despite the down turn I was able to save quite a bit over the month officially getting me over the $100k hump! On to 250k.
12/31/2015: 99489.28 (oh so close)Congrats! See you in the other thread :-)
1/31/2016: 100310.75
Yay! Despite the large losses in my portfolio this month I made enough money to still come out slightly ahead in net worth.
On to 250k.
Congratulations you two. Extra props for doing it in a tough month! See you in the next thread soon enough.
12/31/2015: 99489.28 (oh so close)
1/31/2016: 100310.75
Yay! Despite the large losses in my portfolio this month I made enough money to still come out slightly ahead in net worth.
On to 250k.
Savings $138,560I'm in!! End of may was around $4k net worth. Hoping for $100k in 18-24 months.
Savings $75k
Student loans -$71k
Net worth $4k
I already have a journal, if you really want to see just how crazy i am ;) otherwise...good luck!!!
1 year update... (I "quit" tracking because i can't update the google doc)
Savings $135k
Student loans -$54k
NW $81k
Great job everybody!!! And congrats to those who already made it!!
I'm still hanging in there!!
Savings $135k
Student loans $46k
NW = $88k
Oct 2015
Save $140,158
Debt $46,734
NW = $93,424
Sooooo close!!!
Debt $46,822
NW = $91,738 grrrr it went down...
7/31/2015: $36,978
8/31/2015: $34,949
9/30/2015: $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
February was a really good month for me! Getting so close to that 50k mark and almost half way there to the 100k finish line! Haven't felt this excited to hit a milestone like that since I made my last student loan payment a while back. Judging by my back of the napkin calculations I should be able to surpass 50k net worth by the end of March as long as I keep my spending in check and of course the market is kind to me.
June 2015: $65,550
July 2015: $74,250
Aug 2015: $73,900
Sep 2015: $78,300
Oct 2015: $86,014
Nov 2015: $88,620
Dec 2015: $88,329
Jan 2016: $90,032
Just broke into the 90Ks zone with Jan, a month late due to market headwinds and all the additional spending during the holiday season. This market turmoil may be long drawn out. Here's hoping that the push comes from savings in 2016 letting us buy more into the markets on sale.
Dec 2015 - $35,251
Jan 2016 - $34,524
Looks like the spreadsheet keeps getting messed up. Anyone know how to fix it? It's not pulling in the current month's net worth. Also, I input my current months net worth yesterday and it looks like someone sorted and it changed the values that were entered for each person.
I just hit $10K and would love to join this gauntlet. Is there a way to do that at this point? Could we start a new gauntlet since so many people in the original thread seem "done"?
$40,061 - 1 Dec 2015
$43,153 - 1 Jan 2016
$47,634 - 1 Feb 2016
Looks like the spreadsheet keeps getting messed up. Anyone know how to fix it? It's not pulling in the current month's net worth. Also, I input my current months net worth yesterday and it looks like someone sorted and it changed the values that were entered for each person.
I have updated the current month (cell A1) and fixed the formulas in column A and B. The problem with the sorting most likely happens because the columns after January 2016 are outside the sorting range (marked by the green line/letters/numbers). I have not figured out how to extend the range, but that would not fix the misplaced values only prevent it from happen again.
Can you redo this? I restored to the previous revision to fix the misplaced values, but the formulas were not correct in that version.
dachs Super sorry about that. On March 1st, someone scrambled a bunch of the data, so we had to reset to the previous version. It's been pretty rare *knock on wood* but we can use Revision History to fix such issues.. but it does remove data added after the jumble. If you add it now, it'll stick!
Up about 7,767 tooooo..... 100,095.24. Hell yeah!
Drum roll please?1/31/2016: $93,706
2/29/2016: $105,360
Congratulations!! Hoping to see you in the other thread next month :-)
hit 25k USD this week, although I should probably stick to my own currency, 17.8k GBP. My road to 100k will be in bursts rather than a steady increase, though, as I'm a college student just trying to find little moneymaking schemes here and there rather than having an actual income.
Early update this months as the year-end bonus and a hefty tax refund gave a definitive push over the line, with a paycheck still remaining in the month. Took me 27 months to go from 10-100.
Not much progress in Feb too. While the Canadian holdings increased by ~2500, due to forex fluctuations the oversees numbers are trending lower in CAD. But we are back to the 35-40% savings levels and are plugging away at the investments.
Aug 2015: $73,900
Sep 2015: $78,300
Oct 2015: $86,014
Nov 2015: $88,620
Dec 2015: $88,329
Jan 2016: $90,032
Feb 2016: $90,600
Joining! My NW won't grow as fast as everyone else here and I don't expect to hit 100k very soon... but that won't discourage me! Numbers are in euro btw (which is 1.09 dollar atm).
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
Hope to see you at the 100k mark before I'm old and grey!
Joining! My NW won't grow as fast as everyone else here and I don't expect to hit 100k very soon... but that won't discourage me! Numbers are in euro btw (which is 1.09 dollar atm).
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
Hope to see you at the 100k mark before I'm old and grey!
Just did some conservative calculations and I should hit 100k at the end of 2020. Mind you, this includes zero interest or dividends, so it will hopefully be sooner. I've set myself a goal. I want to be at 100k at the end of 2018. I will need to get serious about side hustles though! What's life without a little challenge!
Okay - time to join this one. I want to make this past 100k this year and we (wife and myself) should be able to do that easily mainly because the mortgage is about to be paid off. I'm not including home equity or super (Australian retirement account that you can't access until 60).
4th January 2016 : 55k.
As of 3/8: $20,818.37
I made it! Closed in March comfortably over $100,000!
9/1: $78,487.07
10/1: $81,428.69
11/1: $87,887.66
12/1: $90,220.55
1/1: $93,782.59
2/1: $91,959.06
3/1: $93,145.64
4/1: $100,869.59
On to $250k!
Keep on keeping on, everyone!
Mar 20th 2016: $107,112
Steaming along to the next goalpost.
Good luck everyone on your journeys and see you soon on the other thread.
1st post! My stretch goal is 125K by the end of the year if I get lucky with the market. I will be about 23.5 years old (sidenote: I can't believe I'm turning 23). More realistically I will probably hit 105k-110k barring any illnesses/family issues/injuries etc.
02/29/16 46,830.84
03/31/16 58,923.60
I made it! Closed in March comfortably over $100,000!
4/1: $100,869.59
On to $250k!
Keep on keeping on, everyone!
2/29/2016: $105,360
3/31/2016: $101,978
Logged quarterly market movement. Does not include $11k deposit on new house or rental house real estate value. Going to have to figure out new plan for tracking net worth or I'm about to take a really big hit on paper :) Looks like I'm still officially a graduate even after paying for inspections and deposit!
As for myself, *so close*! $99,781.52 :-)
October 1, 2015: ~$40K
February 2016: ~$65K
Damn, all of you are really impressive!
Real good looking progress CanyonMan, you are MILES ahead of nearly every other 25 year old out there, killin' it!
My update is as follows:
1/1/2016 $70,395.59
2/1/2016 $74,587.69
3/1/2016 $77,683.18
4/1/2016 $81,670.69
Most of this NW is in equity/Pension/retirement accounts so I'm just focusing on getting a larger Emergency Fund for the next few months as I've always gone a little light on cash in the bank.
1st post! My stretch goal is 125K by the end of the year if I get lucky with the market. I will be about 23.5 years old (sidenote: I can't believe I'm turning 23). More realistically I will probably hit 105k-110k barring any illnesses/family issues/injuries etc.
Me: Single male, 22 years old, NYC
Started at -12k in student debt when i graduated in 2015. During college, I paid down ~8k from earnings in college/internships.
Current stats:
Cash on hand: 20k. 15k is in the savings account to maintain the credit card. I have an additional 5k for instant liquidity (rent, paying the monthly credit card balance) without disrupting my long-term investment positions and getting slapped the 35% capital gains tax.
ETF: 10k
Cash for Investments (dry powder): 37k
401k: 5.5k - the match doesn't activate until I've stayed with the firm for 2-3 years so I'm ignoring the additional +5.5k match.
Traditional IRA: 5.5k as soon as I cash in the tax refund. It's sitting at home with my parents.
Total: 78K
Year-End Goal: 125K
62% there!
As of 3/8: $20,818
As of 3/29: $23,784
Me too I'm racing towards 100k, but I didn't initially posted since I was already at more than 10k when I started reading MMM (January 2014). Anyway I've decided to put down my progression to both keep track and analyze what I did.
I am in full mustachian mode since august 2014 (biking everywhere, homemade lunch, no shopping for materialistic shit, and so on).
My total assets in middle september 2012, when I finished my master (I'm now 29, working and living in Switzerland) and started working as a researcher at my university, was 11k chf:
1k swiss franc in a cash account
10k gold bullion inherited by my grandfather, never known him, it's actually the only thing I have left of him.
After ~28 months I've now a total of 66k swiss francs (switch job in between, started working in industry for a small bump in pay):
16k company pension plan
15k retirement account
10k bullion (I struggle to sell it, there is my fucking name engraved in it! from my grandpa!)
25k taxable account investment
I'm very happy for the moment (+55k in 28 months, ~2k/month in switzerland is very difficult), but is amazing to see that my total at the end of 2014 was 35k, and I did manage to save 31k only in the last 12 months.....
By end of 2015 I should reach 100k, also +89k in 40 months. It's amazing only to think about it :)
Been meaning to add my numbers, but still have to figure out a couple numbers.
Namely, what value should I give to a pension (teacher's pension)? I'm sure there is a how to around here somewhere, just haven't come across it.
Would that be the same as "if you were to "sell" it today, it would be worth this much" value?
30 Oct - $30,648
30 Nov - $32,564
30 Dec - $37,354
30 Jan - $38,789
29 Feb - $42,435
30 Mar - ?
30 Apr - $52,411
Savings $138,560I'm in!! End of may was around $4k net worth. Hoping for $100k in 18-24 months.
Savings $75k
Student loans -$71k
Net worth $4k
I already have a journal, if you really want to see just how crazy i am ;) otherwise...good luck!!!
1 year update... (I "quit" tracking because i can't update the google doc)
Savings $135k
Student loans -$54k
NW $81k
Great job everybody!!! And congrats to those who already made it!!
I'm still hanging in there!!
Savings $135k
Student loans $46k
NW = $88k
Oct 2015
Save $140,158
Debt $46,734
NW = $93,424
Sooooo close!!!
Debt $46,822
NW = $91,738 grrrr it went down...
Save
$129,648
Debt
$45,257
NW $84,391 Down again!!!! Aaahhhhhhh
Finally!!!
Save
$158,005
Debt
$57,231
NW $100,825
Woooo hoooooo!
See ya! (Just kiddin)
Woooo hoooooo!
See ya! (Just kiddin)
Finally!!!
Save
$158,005
Debt
$57,231
NW $100,825
Woooo hoooooo!
See ya! (Just kiddin)
Congrats on the milestone, don't let the door hit ya on the way out!
May 2016: $81KOctober 1, 2015: ~$40KApril 2016 (so far): $71K
February 2016: ~$65K
30 Oct - $30,648
30 Nov - $32,564
30 Dec - $37,354
30 Jan - $38,789
29 Feb - $42,435
30 Mar - ?
30 Apr - $52,411
30 May - $56,973
From now on, I'm going to breakdown savings vs debt in my update.
Apr:
$70,285 savings
$17,874 debt
May:
$74,338 savings
$17,365 debt
March 2016: 8152.00May 31, 2016: 22,693
April 2016: 10915.00
Today(April 26th): 19516.00
Sep-15 $6,657.20
Oct-15 $10,846.07
Nov-15 $13,419.84
Dec-15 $19,983.09
Jan-16 $23,828.58
Feb-16 $27,482.23
Mar-16 $33,831.34
Apr-16 $38,873.65
My update is as follows:
1/1/2016 $70,395.59
2/1/2016 $74,587.69
3/1/2016 $77,683.18
4/1/2016 $81,670.69
5/1/2016 $85,587.91
Well, I have been away for quite a while, and I didn't track all of my accounts for a few of the months. Things were pretty rough what with my dad's death, my wife and I leaving the Mormon church, my ADD diagnosis, and some health problems induced by my frequent travel to Mexico for work.
Good news though, $124,966.64! Quite a bit of that is due to timing the market with the purchase of my house, because it increased in price by almost $32k since I bought it in November (based on Zillow, which has been pretty accurate for my area).
I think I would like to start this challenge again, but with investments only this time. Turns out I have just as much money in investments now ($29k) as my net worth when I started the challenge ($20k) two years ago. $100k in two years for someone with a single income supporting my wife, 3.5. year old, and 2 year old on a salary of about $60k (before taxes). It is possible!
1/31/16: 71,733
2/29/16: 74,225
3/25/16: 80,361
4/16: 85,438
5/20/16: 86,299
6/30/16: 88,255
Three paychecks next month should push me well into the 90s. Feeling near now!
Somehow i just now saw this thread...and it is one i can actually not feel out of place :)
(2010-2013 amounts are my best guess. Didn't start tracking until 2014)
End of Year: Amount
2010: -$7,500
2011: $7,500
2012: $8,500 (bought a car - hence the relatively flat NW)
2013: $24,000
2014: $36,285 (Found MMM in October)
2015: $40,655 (Peaked at $48k, but then I liquidated some savings to buy a house)
Today: $48,000
There is a very slim chance i could hit 100k by the end of 2017...should get there in 2018 for sure.
My update is as follows:
1/1/2016 $70,395.59
2/1/2016 $74,587.69
3/1/2016 $77,683.18
4/1/2016 $81,670.69
5/1/2016 $85,587.91
6/1/2016 $88,367.43
7/1/2016 $93,318.49
Decided to jump in the group if you all don't mind. I just merged all my stuff into "One Sheet to rule them all v3" so my data is a bit limited right now.
4/1/2016 $45,447.95
5/1/2016 $47,415.17
6/1/2016 $52,780.32
1/31/16: 71,733
2/29/16: 74,225
3/25/16: 80,361
4/16: 85,438
5/20/16: 86,299
6/30/16: 88,255
7/31/16: 99,033
Three paychecks this month plus a stock market bump and it's looking like I'll hit the $100k mark in August. I'll post more thoughts/stats next month, but I'm feeling very happy.
1/31/16: 71,733
2/29/16: 74,225
3/25/16: 80,361
4/16: 85,438
5/20/16: 86,299
6/30/16: 88,255
7/31/16: 99,033
Three paychecks this month plus a stock market bump and it's looking like I'll hit the $100k mark in August. I'll post more thoughts/stats next month, but I'm feeling very happy.
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
Soooo close to $20K! Almost certainly going to hit $25K by end of year, markets willing.
March 2016: 8152.00July 31, 2016: 31,297
April 2016: 10915.00
Today(April 26th): 19516.00
May 31, 2016: 22,693
June 30, 2016: 27,496
2015
Apr $12,466.69
May $14,786.72
Jun $17,419.27
Jul $21,457.81
Aug $24,608.98
Sep $25,148.05
Oct $30,071.44
Nov $30,362.40
Dec $33,987.45
2016
Jan $37,178.00
Feb $40,183.56
Mar $41,965.73
Apr $46,690.70
May $51,510.46
7/1/2016: $83,089.96 / $78,807.96 (w/ vs. w/o car - 2007 Mazda3)
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 |
I did it! I finally graduated to the next thread! I've been MIA for the past few months due to life getting busy. I started a business, didn't enjoy it ended up selling it for about what i put in. I found a new job in a new industry, and now I've finally crossed the finish line! 101,705! All of which is liquid assets.
It happens quicker than you think, now i just wish Denver was still an affordable city, so I can start growing some home equity.
I did it! I finally graduated to the next thread! I've been MIA for the past few months due to life getting busy. I started a business, didn't enjoy it ended up selling it for about what i put in. I found a new job in a new industry, and now I've finally crossed the finish line! 101,705! All of which is liquid assets.
It happens quicker than you think, now i just wish Denver was still an affordable city, so I can start growing some home equity.
Wow, six figures liquid! Are you planning on doing any Vanguard index investing with some of that?
My update is as follows:
1/1/2016 $70,395.59
2/1/2016 $74,587.69
3/1/2016 $77,683.18
4/1/2016 $81,670.69
5/1/2016 $85,587.91
6/1/2016 $88,367.43
7/1/2016 $93,318.49
8/1/2016 $98,467.26 - If things go - normal - I should finally break the $100k barrier in two weeks! Looks like there is a few of us about to move on from this thread but i better reserve my milestones until I actually get there, things could still change.
4th January 2016 : 55k.
29th March 2016: 58k.
28th June 2016: 77k.
It's not bad considering the markets haven't been that good. I'm hopefully in the next 3 months that we get past 100k.
3/1/2016: $10,106I JUST CROSSED $20K!!
4/1/2016: $10,624
5/1/2016: $14,504
6/31/2016: $18,193
7/30/2016: $19,296
Soooo close to $20K! Almost certainly going to hit $25K by end of year, markets willing.
Jan - $45,622
Feb - $49,164
March - $62,581
April - $66,697
May - $71,586
June - $76,413
July - $83,499
August - $88924
On track for beginning of November!
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 |
March 2016: 8152.00August 31, 2016: 34,286
April 2016: 10915.00
Today(April 26th): 19516.00
May 31, 2016: 22,693
June 30, 2016: 27,496
July 31, 2016: 31,297
$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
Regressed for the first time since I started tracking. Pretty big curveball got thrown at me, but I'm confident I'll re-group and surge past.
Actually at your rate of about $1,000 a month assuming 7% real rate of return and with a FIRE goal of $600,000 starting with $24,285 would only take 20.3 years to reach FIRE! Yah for compound interest!
End of June Update:
Cash/Savings: $6,614
Mutual Funds (non-retirement, house savings): $10,568
Work Retirement Accounts: $39,193
NW: $56,375 (increase of $643)
Back in after over a year of not checking in!
Cash/Savings: $8,160
Mutual Funds (non-retirement, house savings): $10,956
Work Retirement Accounts:$57,777
NW: $76,893 (increase of $20,518 - average $1,578 per month since last check-in).
I have moved in with my girlfriend and our monthly expenses have dropped, I have also gotten a bit of a raise at work so I am gaining ground at a faster rate now. I have spent some money on goodies though and I need to make sure I don't turn up the speed on the treadmill if I can avoid it.
At this rate I hope to break 100k in another year if I tighten up some loose ends.
Sep 15: 3,750
Sep 16: 23,000
From the start of my new job to a year later--almost $20,000. With a "promotion" and a pay raise this year, I'm excited to see what another year brings! Still a long way to 100K.
LOL, don't I wish! Yesterday was payday, but not that much!Sep 15: 3,750
Sep 16: 23,000
From the start of my new job to a year later--almost $20,000. With a "promotion" and a pay raise this year, I'm excited to see what another year brings! Still a long way to 100K.
Good job on the progress! For a second I thought you meant you made 20k since yesterday.
This might help my motivation :-)
I am currently at ~ 10.000 on daily benefit (?) account
plus 5.000 belonging to my sister and me together just stored in my other account.
I have around 8.000-10.000 student debt I am only allowed to pay back in 3 years.
I just opened my first depot account and I am waiting for the final documents to arrive so that I can start with indices etc.
16 Mar 2016 $64300 - $13200 = $5130024 Sep 2016 $109400-$33300=$76100 (sadly we wont reach 100K this year)
17 Apr 2016 $103500 - $45600 = $57900
10 May 2016 $106390 - $42900= $63490
28 May 2016 $109037 - $41046= $67991
Due to making less than 50k I'll probably be way behind some of y'all but...
2 years into the 'real' workforce, networth 40k:
Work pension contribution: 10k
Savings account (earmarked for house downpayment, goal is 50k): 30k
If anyone has ideas about places to put house downpayment money that I plan to use within 1-2 years, I'm all ears! Earned a whopping 25 cents last month in interest in savings and it made me so sad...
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
Aug 2016: $2,136
Sept 2016: $5,733
$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
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 |
Jan - $45,622
Feb - $49,164
March - $62,581
April - $66,697
May - $71,586
June - $76,413
July - $83,499
August - $88924
On track for beginning of November!
It was negative all of my life until two or three years ago (at one point negative $200k or so). I never tracked it because it was too depressing.
$27,512.11 November 2014
$32,550.93 January 2015
$37,692.25 April 2015
$41,623.39 June 2015
$35,929.89 July 2015 (Ouch!!!)
$45,275.83 October 2015
$54,907 November 30, 2105
17.5% increase? Somebody check my math.
Groan.
October 2016, almost a year later, a $763 increase to $55,671.
Damn. I stopped tracking it until this month, because I knew things weren't going well, so I stuck my head in the sand.
March 2016: 8152.00October 31, 2016: $36,980
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
Jan - $45,622
Feb - $49,164
March - $62,581
April - $66,697
May - $71,586
June - $76,413
July - $83,499
August - $88924
September - $95816
New to the board
According to Mint this has been my net worth since I started tracking.
08/2013: $9,216- had been making 18k, got a job making 27k
11/2013: $12,398
02/2014: $14,413- new job in December making 38k
05/2014: $15,023
08/2014: $17,890
11/2014: $29,589
02/2015: $34,041
05/2015: $38,284 -new job at 55k
08/2015: $58,584- added in husband's savings (earmarked for a car)
11/2015: $67,385
02/2015: $77,264
04/2016: $85,002
*snip*
Whoops, its been a while. Here's my end of month numbers for May and June. Getting closer!
05/2016: $87,545
06/2016: $89,146
07/2016: $92,533
This number is actually higher because I have several outstanding reimbursements for work travel. Getting close!
09/2016: $96,145
Based by this, I'd say we're on track for $100k in late November. I have around $2,500 in reimbursements from my conference this weekend that are outstanding. Very exciting!
10/31/2016: $101,606.36
Holy moly we made it! Apparently I had more outstanding reimbursements than I thought. So I have to leave this thread? We have some large expenditures planned for the next 6 months, so I feel like I'll just bounce back here again soon.
New to the board
According to Mint this has been my net worth since I started tracking.
08/2013: $9,216- had been making 18k, got a job making 27k
11/2013: $12,398
02/2014: $14,413- new job in December making 38k
05/2014: $15,023
08/2014: $17,890
11/2014: $29,589
02/2015: $34,041
05/2015: $38,284 -new job at 55k
08/2015: $58,584- added in husband's savings (earmarked for a car)
11/2015: $67,385
02/2015: $77,264
04/2016: $85,002
*snip*
Whoops, its been a while. Here's my end of month numbers for May and June. Getting closer!
05/2016: $87,545
06/2016: $89,146
07/2016: $92,533
This number is actually higher because I have several outstanding reimbursements for work travel. Getting close!
09/2016: $96,145
Based by this, I'd say we're on track for $100k in late November. I have around $2,500 in reimbursements from my conference this weekend that are outstanding. Very exciting!
10/31/2016: $101,606.36
Holy moly we made it! Apparently I had more outstanding reimbursements than I thought. So I have to leave this thread? We have some large expenditures planned for the next 6 months, so I feel like I'll just bounce back here again soon.
Aug 15: 5327 (found MMM)Nov 16: 26932
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
Guessing you are there now?Jan - $45,622
Feb - $49,164
March - $62,581
April - $66,697
May - $71,586
June - $76,413
July - $83,499
August - $88924
September - $95816
OCTOBER - $99,648
So close its a little disappointing, unfortunately markets did not cooperate (first world problems).
Next pay day is Friday, Nov 4 which should push us over 100k, hopefully for good.
$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
January 2015 | $761.27 |
February 2015 | $1,692.86 (first full-time paycheck) |
March 2015 | $7,340.61 |
April 2015 | $9,390.15 |
May 2015 | $14,705.60 |
June 2015 | $15,555.61 |
July 2015 | $17,823.47 |
August 2015 | $21,317.49 |
September 2015 | $22,306.13 (got a raise) |
October 2015 | $29,095.56 |
November 2015 | $29,908.32 |
December 2015 | $32,139.84 |
January 2016 | $33,406.91 |
February 2016 | $44,953.46 (vested a bunch of employer benefits) |
March 2016 | $50,388.38 (No idea... this looks off to me) |
April 2016 | $57,981.30 (got another raise around this time) |
May 2016 | $58,673.90 |
June 2016 | $57,834.51 |
July 2016 | $63,066.48 |
August 2016 | $66,336.33 (got awarded a LOT of RSUs, vest quarterly so no impact in August) |
September 2016 | $64,358.40 |
October 2016 | $61,734.57 |
November 2016 | $78,814.44 (get a raise, company gets bought, RSUs vest) |
It has taken me 7 years to get to this point.
November 2009: Graduated from grad school with $52k student loans and 5k in the bank, but thankfully also already employed with benefits!
November 2016: $50,207 (Hit 50k in retirement savings and net worth. Since I started with ~50k in the red it feels really good to be 50k in the right direction)
Plans for 2017: Getting married in the fall. Money for the wedding already saved. Paying on student loans with a vengeance ($1,133 a month).
January 2015: CHF 49,805
...
November 2015: CHF 66,524
December 2015: CHF 67,473
January 2016: CHF 78,098
February 2016: CHF 81,995
March 2016: CHF 78,422
April 2016: CHF 84,996
May 2016: CHF 86,464
June 2016: CHF 89,312
Juli 2016: CHF 92,488
August 2016: CHF 99,535
September 2016: CHF 98,719
October 2016: CHF 97,52
Here goes.
Oct 31st, 2016 - $17,457.17
Haven't done any thorough calculations, but back of the envelope says it should be a little over a year.
March 2016: 8152.00November 30, 2016: $41,765
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
Congrats! What explains the big jumps in net worth in January and February?January 2015: CHF 49,805
...
November 2015: CHF 66,524
December 2015: CHF 67,473
January 2016: CHF 78,098
February 2016: CHF 81,995
March 2016: CHF 78,422
April 2016: CHF 84,996
May 2016: CHF 86,464
June 2016: CHF 89,312
Juli 2016: CHF 92,488
August 2016: CHF 99,535
September 2016: CHF 98,719
October 2016: CHF 97,52
November 2016: CHF 106,096
Hopefully the first 100k is really the hardest part to get to 1 million :)
Thank you all for the support and motivation to keep me on track!
$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
Short notice travel, unexpected car repair, and moving for work with a few weeks of no income getting settled has taken a toll. Good news is I've got a new job and moving up from 45k income to 76k, so I should start seeing solid improvement from here.
I've passed 100k if I factor in home equity, but I closed the year around 61k invested - I'm hoping to break 100k just in investments in 2016, so I'll stick around! :D
Realistically, I'm looking to hit $75K by the end of 2016, with a stretch-goal of $80K. I can't wait to hit $100K!
I have a good job, but I can't see myself staying in it for 5 more years. Great benefits, but I am fairly bored in it and would like to do other things with my life. I think if I could get a NW of $100K with about $20K in cash, I could feel comfortable with the risk of trying something else. I just want to have the cushion of being able to quit anything I'm not happy with. The last thing I want to do is quit my ho-hum but secure job for something that sounds good but turns out to be pure misery. I've had a pure misery job, know how easily I could be in one and know a great deal of people continue in one because they have no other choice. I want to keep at least 1-yr of living expenses on hand for bugging out.
Good luck! Sometimes a leap like that turns out even better than you expected. I quit a secure government job just over four years ago to move to the other side of the country (I quit with no job lined up)..fast forward to now - I'm in a new field entirely, my salary has doubled since then and I'm really quite happy. :)
$90k is more likely for me this year, but a stretch goal of $100k sounds good. :D
Wow, thanks, that is encouraging! I'm glad it turned out so well for you; I just hope the same for myself. I'd love to get into a completely new field. Perhaps my 'stache will fund my journey!
November 2016: $105KMay 2016: $81KOctober 1, 2015: ~$40KApril 2016 (so far): $71K
February 2016: ~$65K
Is it too late to join this?It's never too late! Keep us updated. It gives yourself a place to be accountable.
Congrats! What explains the big jumps in net worth in January and February?January 2015: CHF 49,805
...
November 2015: CHF 66,524
December 2015: CHF 67,473
January 2016: CHF 78,098
February 2016: CHF 81,995
March 2016: CHF 78,422
April 2016: CHF 84,996
May 2016: CHF 86,464
June 2016: CHF 89,312
Juli 2016: CHF 92,488
August 2016: CHF 99,535
September 2016: CHF 98,719
October 2016: CHF 97,52
November 2016: CHF 106,096
Hopefully the first 100k is really the hardest part to get to 1 million :)
Thank you all for the support and motivation to keep me on track!
Hi all,
I'm new to the group, although I discovered MMM in September 2015. Since then I've been busy getting my finances in order and starting to build my 'stache, which as of today is $21,326.78. Hope to increase this by $2,000 at the end of the month.
30 Nov 2016 $115000-$29000=$86000
16 Mar 2016 $64300 - $13200 = $51300
17 Apr 2016 $103500 - $45600 = $57900
10 May 2016 $106390 - $42900= $63490
28 May 2016 $109037 - $41046= $67991
24 Sep 2016 $109400-$33300=$76100
Sep-15 $6,657December-16 65515
Oct-15 $10,846
Nov-15 $13,419
Dec-15 $19,983
Jan-16 $23,828
Feb-16 $27,482
Mar-16 $33,831
Apr-16 $38,873
May-16 $38453
Jun-16 $43398
Sep-16 $56655
20 Dec 2016 $119500-$26770=$9273030 Nov 2016 $115000-$29000=$86000
16 Mar 2016 $64300 - $13200 = $51300
17 Apr 2016 $103500 - $45600 = $57900
10 May 2016 $106390 - $42900= $63490
28 May 2016 $109037 - $41046= $67991
24 Sep 2016 $109400-$33300=$76100
$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
Mar 2016 $28,361
Apr 2016 $31,751
May 2016 $38,742
Jun 2016 $40,970
July 2016 $61,657
Aug 2016 $64,120
Sep 2016 $66,961
Oct 2016 $70,179
Should make $75k by the end of the year.
March 2016: 8152.00December 31st, 2016: 44,852
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
I'm going to try to track my NW monthly this year to chart my progress. Starting 2016, I had a NW of $50,000. I'm hoping to grow it to over $75K.
Once I get to $100K, I think I will give myself permission to move into my own apartment, as I've spent the last 8 years living with the same roommate--saving a ton of money, but not getting as much privacy as I'd like.
Jan 2016 - $50,000
April 2016 -$57,000
May 2016 - $60,000
June 2016 - $63,000
July 2016 - $69,000 (profit sharing, plus market doing better - so glad I front loaded this year!)
Aug 2016 - $72,000
Sept 2016 - $74,000 (markets down, same deposits though)
Oct 2016 - $74,000 (uggghhh...)
Nov 2016 - $78,000 :D
Dec 2016 - $84,000 (Wooooo! Dale tu cuerpo a alregria, Macarena...!)
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 |
Awesome saving Mval!! Come join us in the next thread! :)
I've passed 100k if I factor in home equity, but I closed the year around 61k invested - I'm hoping to break 100k just in investments in 2016, so I'll stick around! :D
Realistically, I'm looking to hit $75K by the end of 2016, with a stretch-goal of $80K. I can't wait to hit $100K!
I have a good job, but I can't see myself staying in it for 5 more years. Great benefits, but I am fairly bored in it and would like to do other things with my life. I think if I could get a NW of $100K with about $20K in cash, I could feel comfortable with the risk of trying something else. I just want to have the cushion of being able to quit anything I'm not happy with. The last thing I want to do is quit my ho-hum but secure job for something that sounds good but turns out to be pure misery. I've had a pure misery job, know how easily I could be in one and know a great deal of people continue in one because they have no other choice. I want to keep at least 1-yr of living expenses on hand for bugging out.
Good luck! Sometimes a leap like that turns out even better than you expected. I quit a secure government job just over four years ago to move to the other side of the country (I quit with no job lined up)..fast forward to now - I'm in a new field entirely, my salary has doubled since then and I'm really quite happy. :)
$90k is more likely for me this year, but a stretch goal of $100k sounds good. :D
Wow, thanks, that is encouraging! I'm glad it turned out so well for you; I just hope the same for myself. I'd love to get into a completely new field. Perhaps my 'stache will fund my journey!
And here we are - I crossed into December with $101k and change in cash/retirement/investments!
I have a feeling I'm going to get killed in this race, but I'm in. Right now at -32,000 net worth (student loans) so I'm not expecting to hit 100k NW until probably 2 years or so from now.
I FINALLY HIT 100K NW TODAY!!! Yay!
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 |
I have a feeling I'm going to get killed in this race, but I'm in. Right now at -32,000 net worth (student loans) so I'm not expecting to hit 100k NW until probably 2 years or so from now.
I FINALLY HIT 100K NW TODAY!!! Yay!
March 2016: 8152.00January 31st, 2017: $49,533
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
I'm going to try to track my NW monthly this year to chart my progress. Starting 2016, I had a NW of $50,000. I'm hoping to grow it to over $75K.
Once I get to $100K, I think I will give myself permission to move into my own apartment, as I've spent the last 8 years living with the same roommate--saving a ton of money, but not getting as much privacy as I'd like.
Jan 2016 - $50,000
April 2016 -$57,000
May 2016 - $60,000
June 2016 - $63,000
July 2016 - $69,000 (profit sharing, plus market doing better - so glad I front loaded this year!)
Aug 2016 - $72,000
Sept 2016 - $74,000 (markets down, same deposits though)
Oct 2016 - $74,000 (uggghhh...)
Nov 2016 - $78,000 :D
Dec 2016 - $84,000 (Wooooo! Dale tu cuerpo a alregria, Macarena...!)
$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
Wow it's been 6 months since I last posted here that went by fast... well it looks like I will be graduating here in Febuary hopefully =)2015
Apr $12,466.69
May $14,786.72
Jun $17,419.27
Jul $21,457.81
Aug $24,608.98
Sep $25,148.05
Oct $30,071.44
Nov $30,362.40
Dec $33,987.45
2016
Jan $37,178.00
Feb $40,183.56
Mar $41,965.73
Apr $46,690.70
May $51,510.46
June $55,116.73
July $61,327.75
I'm joining in! I'll be here for a while because we're currently saving for a house. We track our net worth on the first of every month.
1/1/17: $29,671.78
Wait, you went from 37 to 100 in a year? Please share how!Wow it's been 6 months since I last posted here that went by fast... well it looks like I will be graduating here in Febuary hopefully =)2015
Apr $12,466.69
May $14,786.72
Jun $17,419.27
Jul $21,457.81
Aug $24,608.98
Sep $25,148.05
Oct $30,071.44
Nov $30,362.40
Dec $33,987.45
2016
Jan $37,178.00
Feb $40,183.56
Mar $41,965.73
Apr $46,690.70
May $51,510.46
June $55,116.73
July $61,327.75
August: $65,649.24
September: $70,236.10
October: $74,423.94
November: $81,213.73
December: $88,429.80
2017
January: $97,244.89
Date | Net worth |
March 31, 2016 | $11,309 |
February 4, 2017 | $50,348 |
Hi,Couldn't wait for three months!!
Happy new year everyone and congrats on the huge achievements. 2017 is the year I'm pressuring myself with hard goals so I'll join this thread.
If I'm focused I can probably get to the 100K in four years (end of 2020, at a conservative estimate not accounting for raises and stocks appreciation) which is way too long for me to envision but the thread could be a way to get myself accountable on tracking NW quaterly which is one of my goal for 2017.
Jan 17, 2017: 12,138
I don't know how I 'lost' 3K in the last 2 weeks. It was 15K by end of December but I counted checking account which I'll exclude from now on. Hope to have it at 30K by end of year, that'll be cause for celebration.
Wait, you went from 37 to 100 in a year? Please share how!Wow it's been 6 months since I last posted here that went by fast... well it looks like I will be graduating here in Febuary hopefully =)2015
Apr $12,466.69
May $14,786.72
Jun $17,419.27
Jul $21,457.81
Aug $24,608.98
Sep $25,148.05
Oct $30,071.44
Nov $30,362.40
Dec $33,987.45
2016
Jan $37,178.00
Feb $40,183.56
Mar $41,965.73
Apr $46,690.70
May $51,510.46
June $55,116.73
July $61,327.75
August: $65,649.24
September: $70,236.10
October: $74,423.94
November: $81,213.73
December: $88,429.80
2017
January: $97,244.89
16 Mar 2016 $64300 - $13200 = $51300I think we passed the 100K mark
17 Apr 2016 $103500 - $45600 = $57900
10 May 2016 $106390 - $42900= $63490
28 May 2016 $109037 - $41046= $67991
24 Sep 2016 $109400-$33300=$76100
30 Nov 2016 $115000-$29000=$86000
20 Dec 2016 $119500-$26770=$92730
November 2009: Graduated from grad school with $52k student loans and 5k in the bank.
November 2010: -$41,165
November 2011: -$26,332
November 2012: -$7,560
November 2013: $8,748
November 2014: $21,464
November 2015: $27,355
November 2016: $50,207
I'm going to try to track my NW monthly this year to chart my progress. Starting 2016, I had a NW of $50,000. I'm hoping to grow it to over $75K.
Once I get to $100K, I think I will give myself permission to move into my own apartment, as I've spent the last 8 years living with the same roommate--saving a ton of money, but not getting as much privacy as I'd like.
Jan 2016 - $50,000
April 2016 -$57,000
May 2016 - $60,000
June 2016 - $63,000
July 2016 - $69,000 (profit sharing, plus market doing better - so glad I front loaded this year!)
Aug 2016 - $72,000
Sept 2016 - $74,000 (markets down, same deposits though)
Oct 2016 - $74,000 (uggghhh...)
Nov 2016 - $78,000 :D
Dec 2016 - $84,000 (Wooooo! Dale tu cuerpo a alregria, Macarena...!)
Jan 2017 - $87,000 (so far two paychecks front-loaded to 401K at 80%)
Mar 2016 $35,000
Apr 2016 $31,751
May 2016 $38,742
Jun 2016 $40,970
July 2016 $61,657
Aug 2016 $64,120
Sep 2016 $66,961
Oct 2016 $70,179
Should make $75k by the end of the year.
Dec 2016. $ $78,000
NW with house/rental condo: 71k.
NW without house/rental condo: 33k.
Wow, didn't know I had that much! Guess 100k isn't impossible but I'd like to stay here till I get 100k without house/rental values :D.
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 |
$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
Here's my final numbers... It's been real fun but... I hope I'm never back here again =)Good job CmFtns!
thanks for the company all... now on to $250k
2017
Jan $97,244.89
Feb $103,330.77
March 2016: 8152.00February 28th, 2017: $53,250
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
I'll join. Just recently started tracking my NW.
Jan 2017: $19,166.96
Feb 2017: $20,947.41
Hoping to crank up the savings soon! Next month might take a hit (new tires).
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 |
Dec 53,572.89
Jan 63,000.00
Finished all my debt off last year really helped increasing my savings ratio.
Welcome Eporedia and Prickly_Turing! 2017 is going to be one fine year . . .
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 :-/
Starting now!March 41,627
Feb 2016 39,500
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
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
Dec 53,572.89
Jan 63,000.00
Finished all my debt off last year really helped increasing my savings ratio.
67,658.50
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
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 |
March 2016: 8152.00March 31st, 2017: $71,742
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
1/1/2017: 39,4094/1/2017: 72,455
2/3/2017: 55,570
3/3/2017: 58,000
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.
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.
DING DING DING.
101K total net worth with my last 403b contribution! Yes I *am* feeling very pleased with myself, why do you ask?
DING DING DING.
101K total net worth with my last 403b contribution! Yes I *am* feeling very pleased with myself, why do you ask?
DING DING DING.
101K total net worth with my last 403b contribution! Yes I *am* feeling very pleased with myself, why do you ask?
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.
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
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.
Just hit $41 over 50K NW yesterday (with a little force). :)
Just hit $41 over 50K NW yesterday (with a little force). :)
Hooray for 50k!
I want to play!
State pension (only the part I can roll over if I leave) = 21000
IRA= 2517.56
457 = 9459.79
Savings = 4780.78
Total = 37581.13
Student loans = 27,073.54
NW = 10684.59
I want to play!
State pension (only the part I can roll over if I leave) = 21000
IRA= 2517.56
457 = 9459.79
Savings = 4780.78
Total = 37581.13
Student loans = 27,073.54
NW = 10684.59
State pension (only the part I can roll over if I leave) = 29,991
IRA= 2600
457 = 9738
Savings = 3175
Total = 45,504
Student loans = 22,343
NW = 23161
I'd like to jump in this. Totals are for my wife and I. Aggressively paying down student loan debt has helped...
Jan 2017 - 9,926
Feb 2017 - 15,869
March 2017 - 21,618
April 2017 - 22,738
I'm going to try to track my NW monthly this year to chart my progress. Starting 2016, I had a NW of $50,000. I'm hoping to grow it to over $75K.
Once I get to $100K, I think I will give myself permission to move into my own apartment, as I've spent the last 8 years living with the same roommate--saving a ton of money, but not getting as much privacy as I'd like.
Jan 2016 - $50,000
April 2016 -$57,000
May 2016 - $60,000
June 2016 - $63,000
July 2016 - $69,000 (profit sharing, plus market doing better - so glad I front loaded this year!)
Aug 2016 - $72,000
Sept 2016 - $74,000 (markets down, same deposits though)
Oct 2016 - $74,000 (uggghhh...)
Nov 2016 - $78,000 :D
Dec 2016 - $84,000 (Wooooo! Dale tu cuerpo a alregria, Macarena...!)
Jan 2017 - $87,000 (so far two paychecks front-loaded to 401K at 80%)
Crossed $90K just now, yay!
Nice progress, Ingrown! Love your username.
Nice progress, Ingrown! Love your username.
Thanks, Trifele...i think ;)
law school loans + wife's grad school (education) loans started us $195K ish behind the 8-ball in 2011. A couple cross-country moves and job changes have forced us to pause above required debt payoff/retirement account funding at times, but we are settled now and ready to crush debt/stash hardcore. We are shooting for debt principle payoff and stashing of at least $5,600 a month from here on (written down and published to the world for accountability).
I posted in the 100K to 250K race since I was almost 100K at the time. That was end-March.
But I skidded down to 99K as of today and looks going dimmer by midnight's balance refresh.
So joining this race instead as the market sorts things out for awhile.
Current Balance : $99K
What numbers are you all posting in this thread? I've been thinking about joining one of these threads, but not sure which one...
My networth is $103k, so just over the limit.
But my retirement assets are only $72k, safely within the limits.
And I just reached my emergency fund goal of $10k. But not too long ago, it was below $10k, and I guess too low for this thread.
Anyway, what number are you all posting?
First post, I really like the concept of solidifying this and don't have much encouragement on the FI/RE side from the DW or friends yet.
Seeing as I'll almost be at 10K next friday I figured I'd avoid the single post in the sub 10K thread.
2016-10-01 $51,413
2016-11-01 -$25,621*
2016-12-01 -$25,405
2017-01-01 -$25,189
2017-02-01 -$24,977
2017-03-01 -$21,759
2017-04-01 -$15,838 [Quit Job - Started Consulting Business]
2017-05-01 $7,477
*I foolishly bought a condo (at least it's walkable to work) before getting serious about FIRE and don't count it in my net worth calculation (as hard as that is to watch the 75K hit - it is real).
Student Debts are at 2.7% so min payments only, and my house is at 2.19% (Canada) so it's all Questrade ETF investing from here, budget alots for $2122 biweekly (to hold myself accountable).
I foolishly bought a condo (at least it's walkable to work) before getting serious about FIRE and don't count it in my net worth calculation (as hard as that is to watch the 75K hit - it is real).
Oct 2016 - $21,326.78
Nov 2016 - $24,044.76
Dec 2016 - $25,106.17
Jan 2017 - $27,207.71
Feb 2017 - $28,062.31
Apr 2017 - $35,612.95
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
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 |
5/1/2017 | $98,922.26 |
Date Networth 5/1/2017 $98,922.26
March 2016: 8152.00April 28th, 2017: $75,857
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
Date Networth 5/1/2017 $98,922.26
close!
edit- any plans to make sure you hit that 100 this month? As I get closer, I'm trying to figure out even more ways to speed it up.
03/2016: $20,818
04/2016: $23,784
05/2016: $26,650
06/2016: $28,769
07/2016: $32,015
08/2016: $34,808
09/2016: $37,342
10/2016: $39,883
11/2016: $41,720
12/2016: $44,979
01/2017: $56,197
02/2017: $59,598
03/2017: $94,135
04/2017: $96,711
05/2017: $100,313
Yeah! I'm not positive this will hold if the markets dip at all today, but I'll take it and keep going. On to 250!
03/2016: $20,818
04/2016: $23,784
05/2016: $26,650
06/2016: $28,769
07/2016: $32,015
08/2016: $34,808
09/2016: $37,342
10/2016: $39,883
11/2016: $41,720
12/2016: $44,979
01/2017: $56,197
02/2017: $59,598
03/2017: $94,135
04/2017: $96,711
05/2017: $100,313
Yeah! I'm not positive this will hold if the markets dip at all today, but I'll take it and keep going. On to 250!
Whoo-hoo! Congrats on graduating to the next thread. :)
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
January 1,2017: (10,116.43) - artificially low by about $5,000 due to missing Mint account
February 1, 2017: 12,032.52 - bonus plus tax return (married in late 2016 but had been withholding as single for most of the year) plus adding some accounts to Mint
March 1, 2017: 15,032.52
April 1, 2017: 20,214.77
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
04/30/2017: $98,749
Looking like May will finally be the month I hit 100k!
Congratulations Dogboy!
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
04/30/2017: $98,749
Looking like May will finally be the month I hit 100k!
Congratulations Dogboy!
We followed a very similar trajectory and we're the same age. Congrats!
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.
Welcome Unlikelycrotchgardener! That is quite a username. Afraid to ask if there's a story there.
You've made some great progress since the beginning of '15. Way to hang in there when the income took a hit.
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
17-04-30 : 75,589.36
I'm going to try to track my NW monthly this year to chart my progress. Starting 2016, I had a NW of $50,000. I'm hoping to grow it to over $75K.
Once I get to $100K, I think I will give myself permission to move into my own apartment, as I've spent the last 8 years living with the same roommate--saving a ton of money, but not getting as much privacy as I'd like.
Jan 2016 - $50,000
April 2016 -$57,000
May 2016 - $60,000
June 2016 - $63,000
July 2016 - $69,000 (profit sharing, plus market doing better - so glad I front loaded this year!)
Aug 2016 - $72,000
Sept 2016 - $74,000 (markets down, same deposits though)
Oct 2016 - $74,000 (uggghhh...)
Nov 2016 - $78,000 :D
Dec 2016 - $84,000 (Wooooo! Dale tu cuerpo a alregria, Macarena...!)
Jan 2017 - $87,000 (so far two paychecks front-loaded to 401K at 80%)
Crossed $90K just now, yay!
$95,500 as of today. Still hoping to graduate this level by June, with any luck.
Oct-15 $11,131.65 -$4,622.42 $6,509.23 Nov-15 $12,323.24 -$778.01 $11,545.23 Dec-15 $16,413.13 -$1,417.11 $14,996.02 Jan-16 $18,947.19 -$1,221.32 $17,725.87 Feb-16 $22,788.60 -$941.23 $21,847.37 Mar-16 $28,447.46 -$992.92 $27,454.54 Apr-16 $29,448.18 -$673.97 $28,774.21 May-16 $30,988.20 -$725.81 $30,262.39 Jun-16 $35,289.11 -$2,514.94 $32,774.17 Jul-16 $34,759.85 -$510.30 $34,249.55 Aug-16 $33,835.72 -$2,317.61 $31,518.11 Sep-16 $33,315.41 -$2,654.75 $30,660.66 Oct-16 $34,976.88 -$204.94 $34,771.94 Nov-16 $37,357.68 -$28.09 $37,329.59 Dec-16 $41,144.84 -$734.62 $40,410.22 Jan-17 $42,809.53 -$949.66 $41,859.87 Feb-17 $44,034.74 -$175.49 $43,859.25 Mar-17 $49,400.65 -$922.46 $48,478.19 Apr-17 $49,922.15 -$136.41 $49,785.74 May-17 $51,267.21 -$201.61 $51,065.60 |
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
Date Networth 5/1/2017 $98,922.26
close!
edit- any plans to make sure you hit that 100 this month? As I get closer, I'm trying to figure out even more ways to speed it up.
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 |
5/1/2017 | $98,922.26 |
5/15/2017 | $100,200.00 |
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 5/1/2017 $98,922.26 5/15/2017 $100,200.00
Graduation!
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 5/1/2017 $98,922.26 5/15/2017 $100,200.00
Graduation!
Finally able to join! Hopefully it'll continue to snowball.
2/1/2017 - ($6,832)
3/1/2017 - $66
4/1/2017 - $ 6,298
5/1/2017 - $12,179
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 5/1/2017 $98,922.26 5/15/2017 $100,200.00
Graduation!
Finally able to join! Hopefully it'll continue to snowball.
2/1/2017 - ($6,832)
3/1/2017 - $66
4/1/2017 - $ 6,298
5/1/2017 - $12,179
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.
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.
I graduated!
$102,235
I graduated!
$102,235
Woo hoo! Congrats.
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 !
I've been over and under $100k all month. But I didn't want to post here until I knew for sure that I could end the month over the magic number. I'm going to scrape by at $100,421 for the end of May. So excited to be working towards $250k.
I want to get into this race. My current net worth is $82,123.14 as of today. I think I can get to $100,000 by the end of the year.
March 2016: 8152.00May 31st, 2017: $79,166
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
April 28th, 2017: $75,857
January 1,2017: (10,116.43) - artificially low by about $5,000 due to missing Mint accountJune 1, 2017: 32,073.88
February 1, 2017: 12,032.52 - bonus plus tax return (married in late 2016 but had been withholding as single for most of the year) plus adding some accounts to Mint
March 1, 2017: 15,032.52
April 1, 2017: 20,214.77
May 1, 2017: 26,821.87
Mmmm a lot of graduates this month. Pleased to say I'm one of them as well!
Good Luck to the rest of you and I'll see you in the 100K-250K soon I hope!
Dec-15 $47,513.96
Jan-16 $44,058.68
Feb-16 $46,830.84
Mar-16 $58,923.60
Apr-16 $62,829.27
May-16 $64,177.27
Jun-16 $65,378.17
Jul-16 $70,092.21
Aug-16 $70,534.23
Sep-16 $73,742.76
Oct-16 $74,282.52
Nov-16 $77,284.23
Dec-16 $80,583.50
Jan-17 $84,085.00
Feb-17 $88,759.35
Mar-17 $93,104.53
Apr-17 $97,055.03
May-17 $100,655.06
As always this doesn't include my house as I don't consider it an asset unless/until I sell it.
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
$93,012 Wedding expenses cut into a large amount of this months savings. Hopefully I should still be able to make it by June or July.
Woohoo, I am #1 on the spreadsheet (temporarily, of course. let me bask in my glory for a few moments. LOL). I updated spreadsheet so you can enter your 5/31/17 NW # - see post #1 for link to doc)Thanks for keeping that updated! I was wondering who was doing it. I took the #1 spot from you but hopefully will move on and leave it wide open to you soon!
Woohoo, I am #1 on the spreadsheet (temporarily, of course. let me bask in my glory for a few moments. LOL). I updated spreadsheet so you can enter your 5/31/17 NW # - see post #1 for link to doc)
May Update
Dec 2017 - 45,241
Jan 2017 - 55,143
Feb 2017 - 58,239
Mar 2017 - 69,145
Apr 2017 - 74,332
May 2017 - 77,876
Pretty standard month for me. No major amount of overtime. A little electrical work done, but no other unusual expenses. Company shares did well, but eventually would like to switch over to etfs as they account for over half of my net worth right now.
Congrats to all the recent graduates 👍
Going to jump into the race. Feels great to be working up for a change :)
I am currently only counting invested assets and savings and not counting house as it is my home and not really very liquid :)
May 5th, 2017 Questrade: 18534; Tangerine: 2054 RRSP and 4482 in savings: Total: 25070
Sounds fun!
Invested Liquid Assets
Mar-16 $1,906
Apr-16 $5,579
Jun-16 $17,900
Jul-16 $18,614
Aug-16 $22,242
Sep-16 $22,789
Oct-16 $20,703
Nov-16 $27,893
Dec-16 $33,855
Jan-17 $38,492
Feb-17 $40,308
Mar-17 $45,551
Apr-17 $51,170
May-17 $58,076
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.
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.
06/2014 2.500
09/2016 43.882,85
12/2016: 48.143,58
01/2017: 50.380
6/03/2017: $22,803 <--- took my first paycheck from my own business(!) $1000
Sounds fun!
Invested Liquid Assets
Mar-16 $1,906
Apr-16 $5,579
Jun-16 $17,900
Jul-16 $18,614
Aug-16 $22,242
Sep-16 $22,789
Oct-16 $20,703
Nov-16 $27,893
Dec-16 $33,855
Jan-17 $38,492
Feb-17 $40,308
Mar-17 $45,551
Apr-17 $51,170
May-17 $58,076
Welcome JuicyCrab! Man, you have picked up the pace month over month. Nice job!
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
17-04-30 : 75,589.36
So close... 97 582 ...Company bonus next week should put me way over 100 000 ..
So close... 97 582 ...Company bonus next week should put me way over 100 000 ..
Well i guess i am leaving you guys this month ... 107,528.61 .
That is great, MVal!!! As a mustachian it is hard to know how to celebrate such things, ha ha. At the very least you can post it here and know that your fellow mustachians are celebrating with you.
May update!June 2017: 69081.97
January 2017: 54,765.72
February 2017: 58,616.88
March 2017: 62,304.54
April 2017: 63,589.66
May 2017: 65,736.47
March 2016: 8152.00June 30th, 2017: $82,472
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
April 28th, 2017: $75,857
May 31st, 2017: $79,166
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
17-04-30 : 75,589.36
17-05-31 : 83,478.46
01/01/17: $36,542
02/01/17: $37,855
03/01/17: $41,892
04/01/17: $43,281
05/01/17: $45,547
06/01/17: $48,667
07/01/17: $50,745
I'm one of the slower earners here, but I admit I'm pretty excited by the 50k milestone!
Hello Mustachians, This is my first post. I discovered Mr. Money Mustache in Jan 2017 and the blog slapped some common sense into me. Here are my numbers, I started keeping records in January. Only tracking 401k and cash, no properties yet. Congrats to everyone who is here and those who recently graduated.
Jan 2017 $45K
Feb 2017 $62k (sold one car, paid 5k CC debt).
March 17 $69k
April 2017 $77k
May 2017 $83k
June 7, 17 $86K (aiming for 90K @ the end of the month)
hey i'd like to join =) do we still use the spreadsheet on OP ? can i just plop myself in there?
Dec 2017: $16.4K
Jan 2017: $21.8K
Feb 2017: $28.8K
Mar 2017: $35.1K
Apr 2017: $40.9K
May 2017: $46.9K
June 2017: $51.8K
Finished the first half the year above $50K. Halfway to $100K!
Belated welcome to you Nairobi! You also will not be with us long, looks like. Great job!
Beantown and 70times7 -- you are both killing it. Wow -- very nice progress!
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
5/1/2017 $93,012.00
6/1/2017 $95,556.00
I'm moving slowly - slower than planned due to medical expenses which are unfortunately ongoing.
I haven't included my pension savings and they're also slowly improving. I'll get to that 100K goal one day!
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 |
Mar 17 | $71,221 |
Apr 17 | $73,018 |
May 17 | $71,772 |
Jun 17 | $69,832 |
I only really track my 401k balance 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.
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.
Couldn't wait until I had a months end NW over 10k, so I'm taking the plunge to join this thread! I was first introduced to MMM last year but it took me until now to rediscover the site and mustachian community. Here's to my first steps in becoming financially independent!!
June 2017: $9346
In late December 2016/early Jan, I found myself searching how to save a $100k. That is how I found the thread "how hard was your first $100k?" and people on the thread kept mentioning the phrase "since I discovered money mustache..." I googled Mr. MM and discovered a new way of life. Here is to the first $100k!
Jan 2017 $45K
Feb 2017 $62k (sold one car, paid 5k CC debt).
March 17 $69k
April 2017 $77k (frugal month)
May 2017 $83k
June 2017 $93k (3 paychecks month)
July 2017 $101.1k (frugal month and the market helped a little bit).
Holly cow!! I was not sure I would be lucky enough to graduate this month (I was expecting August). It has been a frugal year and I'm glad to see it pay off (I did have to give up an expensive hobby of modifying sport cars...money pits). As for the stash, it is 40% cash (downpayment for a house) and 60% is in retirement accounts. My next goal is to save $10k Emergency fund. After that, I will try to hit 100K in investments. Hoping to see more graduates soon.
In late December 2016/early Jan, I found myself searching how to save a $100k. That is how I found the thread "how hard was your first $100k?" and people on the thread kept mentioning the phrase "since I discovered money mustache..." I googled Mr. MM and discovered a new way of life. Here is to the first $100k!
Jan 2017 $45K
Feb 2017 $62k (sold one car, paid 5k CC debt).
March 17 $69k
April 2017 $77k (frugal month)
May 2017 $83k
June 2017 $93k (3 paychecks month)
July 2017 $101.1k (frugal month and the market helped a little bit).
Holly cow!! I was not sure I would be lucky enough to graduate this month (I was expecting August). It has been a frugal year and I'm glad to see it pay off (I did have to give up an expensive hobby of modifying sport cars...money pits). As for the stash, it is 40% cash (downpayment for a house) and 60% is in retirement accounts. My next goal is to save $10k Emergency fund. After that, I will try to hit 100K in investments. Hoping to see more graduates soon.
Congrats Nairobi!! Excellent job. So are you jumping to the next thread now, or going to stick around here until the investments cross over? (Nice mustachian 'dilemma' to have. :))
Couldn't wait until I had a months end NW over 10k, so I'm taking the plunge to join this thread! I was first introduced to MMM last year but it took me until now to rediscover the site and mustachian community. Here's to my first steps in becoming financially independent!!
June 2017: $9346
Welcome sir, MMM forums are the best place to be for encouragement and sensible monetary thinking!
15-01-31 : -12,050.05
15-02-28 : -9,013.04 (+3,037.01)
15-03-31 : -8,373.63 (+ 639.41)
15-04-30 : 3,957.65 (+4,415.98)
15-05-31 : 6,155.15 (+2,197.50)
15-06-30 : 4,161.27 (- 1,993.88)
15-07-31 : 9,940.39 (+5,779.12)
15-08-31 : 11,086.93 (+1,146.54)
15-09-30 : 13,411.39 (+2,324.46)
15-10-31 : 21,753.13 (+8,341.74)
15-11-30 : 23,540.19 (+1,787.06)
15-12-31 : 25,039.14 (+1,498.95)
16-01-31 : 31,418.13 (+6,378.99)
16-02-29 : 33,247.02 (+1,828.89)
16-03-31 : 37,241.82 (+3,994.80)
16-04-30 : 47,305.81 (+10,063.99)
16-05-31 : 47,145.83 (- 159.98)
16-06-30 : 46,076.20 (- 838.38)
16-07-31 : 47,098.02 (+1,021.82)
16-08-31 : 46,307.45 (- 709.57)
16-09-30 : 48,762.90 (+2,455.45)
16-10-31 : 50,601.65 (+1,838.75)
16-11-30 : 52,677.91 (+2,076.26)
16-12-31 : 57,227.20 (+4,549.29)
17-01-31 : 58,540.40 (+1,313.20)
17-02-28 : 64,183.38 (+5,642.98)
17-03-31 : 75,197.12 (+11,013.74)
17-04-30 : 75,589.36 (+ 392.24)
17-05-31 : 83,478.46 (+7,889.10)
17-06-30 : 83,208.21 (- 270.25)
Not starting under $10k... But hopefully I can join anyways. My wife and I are 32 and 34 respectively, and are expecting our first child in October!
Not counting home equity($100k-ish):
My Personal RRSP: $9800(All in XAW)
My Work RRSP: 7500(Misc Sun Life Canadian Equity Index Funds)
Wife RRSP: $9900(currently in cash, in the process of transferring banks)
Chequing: $8900
Credit Card: -$3600(big credit card month partly due to eventual baby, it's paid off monthly)
Total: $32,500
Not counted: Expected tax return due to RRSP Contributions thus far: $4400
My wife will be on Mat Leave for a year starting in October, so the trek to $100k might be a slow one. During her year off, we can only save about $1k per month. Will be able to save around $3000/month once she's back to work.
I'm going to set our $100k goal for the end of 2019.
I only really track my 401k balance 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.
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.
NW = 23161
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
Mar 17: 43989
Apr 17: 45143
May 17: 46766
Jun 17: 49646
Jul 17: 52567
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 !
Did the cruise (2250$), got my wisdom tooths out (1350$). NW is now at 87k. Got a second job so I'm hoping I'll be able to increase my income a bit.
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+1,673 = 21,754
Mar 2017 20,576+1,828 = 22,404
Apr 2017 21,071+1,890+2300 =25,261
May 2017 =25,779
June 2017 =£26,319
July 2017 =£27,023
August 2017 =£27,618
September 2017 =£28,243
2016-10-01 $51,413
2016-11-01 -$25,621 (bought a condo, not included in net worth calculation)
2016-12-01 -$25,405
2017-01-01 -$25,189
2017-02-01 -$24,977
2017-03-01 -$21,759
2017-04-01 -$15,838 [Quit Job - Started Consulting]
2017-05-01 $7,477
2017-06-01 $16,623
2017-07-01 $27,638
2017-08-01 $39,025
2017-00-01 $49,626 (+$10,601 this month)
Really proud of this month, I'm humbled by the great job (though no job security) I have that allows these astronomical monthly numbers for me but this month took a ton of effort to not relapse into my old summer habits.
2016-10-01 $51,413
2016-11-01 -$25,621 (bought a condo, not included in net worth calculation)
2016-12-01 -$25,405
2017-01-01 -$25,189
2017-02-01 -$24,977
2017-03-01 -$21,759
2017-04-01 -$15,838 [Quit Job - Started Consulting]
2017-05-01 $7,477
2017-06-01 $16,623
2017-07-01 $27,638
2017-08-01 $39,025
2017-00-01 $49,626 (+$10,601 this month)
Really proud of this month, I'm humbled by the great job (though no job security) I have that allows these astronomical monthly numbers for me but this month took a ton of effort to not relapse into my old summer habits.
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 |
Mar 17 | $71,221 |
Apr 17 | $73,018 |
May 17 | $71,772 |
Jun 17 | $69,832 |
Jul 17 | $72,166 |
Aug 17 | $73,360 |
Sep 17 | $76,497 |
I only really track my 401k balance 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.
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.
3/1/2017 4/1/2017 5/1/2017 6/1/2017 7/1/2017 8/1/2017 9/1/2017 | Total 67163.00 68457.00 70223.00 73782.00 76009.00 78615.00 79916.00 | Saved 1800.00 1190.50 921.10 2941.60 1559.60 1271.20 1271.20 | G/L 103.50 844.90 617.40 667.40 1334.80 29.80 |
EOY 2014: 0
EOY 2015: 16,728
EOY 2016: 41,467
Jan 2017: 42,037
Feb 2017: 45,956
Mar 2017: 48,399
Apr 2017: 48,580
May 2017: 48,527
Jun 2017: 47,553
Jul 2017: 46,952
Aug 2017: 51,030
Dreadmoose that is amazing progress! Great job!
15-01-31 : -12,050.05
15-02-28 : -9,013.04 (+3,037.01)
15-03-31 : -8,373.63 (+ 639.41)
15-04-30 : 3,957.65 (+4,415.98)
15-05-31 : 6,155.15 (+2,197.50)
15-06-30 : 4,161.27 (- 1,993.88)
15-07-31 : 9,940.39 (+5,779.12)
15-08-31 : 11,086.93 (+1,146.54)
15-09-30 : 13,411.39 (+2,324.46)
15-10-31 : 21,753.13 (+8,341.74)
15-11-30 : 23,540.19 (+1,787.06)
15-12-31 : 25,039.14 (+1,498.95)
16-01-31 : 31,418.13 (+6,378.99)
16-02-29 : 33,247.02 (+1,828.89)
16-03-31 : 37,241.82 (+3,994.80)
16-04-30 : 47,305.81 (+10,063.99)
16-05-31 : 47,145.83 (- 159.98)
16-06-30 : 46,076.20 (- 838.38)
16-07-31 : 47,098.02 (+1,021.82)
16-08-31 : 46,307.45 (- 709.57)
16-09-30 : 48,762.90 (+2,455.45)
16-10-31 : 50,601.65 (+1,838.75)
16-11-30 : 52,677.91 (+2,076.26)
16-12-31 : 57,227.20 (+4,549.29)
17-01-31 : 58,540.40 (+1,313.20)
17-02-28 : 64,183.38 (+5,642.98)
17-03-31 : 75,197.12 (+11,013.74)
17-04-30 : 75,589.36 (+ 392.24)
17-05-31 : 83,478.46 (+7,889.10)
17-06-30 : 83,208.21 (- 270.25)
17-07-31 : 84,647.77 (+1,466.56)
April '17 £1250
May '17 £2515
June '17 £3841
July '17 £6774 / $8705
August '17 £8916 / $11597 !
I'm crashing two threads and this will be my joint account. I like my personal one since it's easier to motivate myself then my wife, but it still nice seeing the change in combined NW/Investments which is what matters.10/01/2017: $68.3k Investments/$65.6k Net Worth
29dh/29dw
Combined 120k income
Midwest City
09/01/2017: $65k Investments/$59k Net Worth
Hopefully graduate this thread by March.
EOY 2014: 0I got a large raise in July and have increased my savings with at least 500/month.
EOY 2015: 16,728
EOY 2016: 41,467
Jan 2017: 42,037
Feb 2017: 45,956
Mar 2017: 48,399
Apr 2017: 48,580
May 2017: 48,527
Jun 2017: 47,553
Jul 2017: 46,952
Aug 2017: 51,030
Sep 2017: 55,257
01-01-2017 : 45,241
02-01-2017 : 55,143
03-01-2017 : 58,240
04-01-2017 : 69,145
05-01-2017 : 74,332
06-01-2017 : 77,877
07-01-2017 : 82,443
08-01-2017 : 85,688
09-01-2017 - 89,639 (Gain of 3,951)
$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
$83,652 - May 2017
$67,981 - Jun 2017
$64,425 - Jul 2017
$66,975 - Aug 2017
$73,801 - Sep 2017
$94,487 - Oct 2017
01-01-2017 : 45,241
02-01-2017 : 55,143
03-01-2017 : 58,240
04-01-2017 : 69,145
05-01-2017 : 74,332
06-01-2017 : 77,877
07-01-2017 : 82,443
08-01-2017 : 85,688
09-01-2017 - 89,639 (Gain of 3,951)
10-01-2017 : 92,834 (Gain 3195)
Took me 10 years of my adult working life to have 45k in net worth. I have doubled that in 9 months. It is amazing how tracking expenses and focused savings can show great results so quickly. Thank you everyone on this forum for your motivation and inspiration.
I only really track my 401k balance 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.
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.
Total Saved Market G/L
04/01/17 68457.00 1190.50 103.50
05/01/17 70223.00 921.10 844.90
06/01/17 73782.00 2941.60 617.40
07/01/17 76009.00 1559.60 667.40
08/01/17 78615.00 1271.20 1334.80
09/01/17 79916.00 1271.20 29.80
10/01/17 85194.00 3271.20 2006.80
15-01-31 : -12,050.05
15-02-28 : -9,013.04 (+3,037.01)
15-03-31 : -8,373.63 (+ 639.41)
15-04-30 : 3,957.65 (+4,415.98)
15-05-31 : 6,155.15 (+2,197.50)
15-06-30 : 4,161.27 (- 1,993.88)
15-07-31 : 9,940.39 (+5,779.12)
15-08-31 : 11,086.93 (+1,146.54)
15-09-30 : 13,411.39 (+2,324.46)
15-10-31 : 21,753.13 (+8,341.74)
15-11-30 : 23,540.19 (+1,787.06)
15-12-31 : 25,039.14 (+1,498.95)
16-01-31 : 31,418.13 (+6,378.99)
16-02-29 : 33,247.02 (+1,828.89)
16-03-31 : 37,241.82 (+3,994.80)
16-04-30 : 47,305.81 (+10,063.99)
16-05-31 : 47,145.83 (- 159.98)
16-06-30 : 46,076.20 (- 838.38)
16-07-31 : 47,098.02 (+1,021.82)
16-08-31 : 46,307.45 (- 709.57)
16-09-30 : 48,762.90 (+2,455.45)
16-10-31 : 50,601.65 (+1,838.75)
16-11-30 : 52,677.91 (+2,076.26)
16-12-31 : 57,227.20 (+4,549.29)
17-01-31 : 58,540.40 (+1,313.20)
17-02-28 : 64,183.38 (+5,642.98)
17-03-31 : 75,197.12 (+11,013.74)
17-04-30 : 75,589.36 (+ 392.24)
17-05-31 : 83,478.46 (+7,889.10)
17-06-30 : 83,208.21 (- 270.25)
17-07-31 : 84,647.77 (+1,466.56)
17-08-31 : 84,980.55 (+ 332.78)
15-01-31 : -12,050.05
15-02-28 : -9,013.04 (+3,037.01)
15-03-31 : -8,373.63 (+ 639.41)
15-04-30 : 3,957.65 (+4,415.98)
15-05-31 : 6,155.15 (+2,197.50)
15-06-30 : 4,161.27 (- 1,993.88)
15-07-31 : 9,940.39 (+5,779.12)
15-08-31 : 11,086.93 (+1,146.54)
15-09-30 : 13,411.39 (+2,324.46)
15-10-31 : 21,753.13 (+8,341.74)
15-11-30 : 23,540.19 (+1,787.06)
15-12-31 : 25,039.14 (+1,498.95)
16-01-31 : 31,418.13 (+6,378.99)
16-02-29 : 33,247.02 (+1,828.89)
16-03-31 : 37,241.82 (+3,994.80)
16-04-30 : 47,305.81 (+10,063.99)
16-05-31 : 47,145.83 (- 159.98)
16-06-30 : 46,076.20 (- 838.38)
16-07-31 : 47,098.02 (+1,021.82)
16-08-31 : 46,307.45 (- 709.57)
16-09-30 : 48,762.90 (+2,455.45)
16-10-31 : 50,601.65 (+1,838.75)
16-11-30 : 52,677.91 (+2,076.26)
16-12-31 : 57,227.20 (+4,549.29)
17-01-31 : 58,540.40 (+1,313.20)
17-02-28 : 64,183.38 (+5,642.98)
17-03-31 : 75,197.12 (+11,013.74)
17-04-30 : 75,589.36 (+ 392.24)
17-05-31 : 83,478.46 (+7,889.10)
17-06-30 : 83,208.21 (- 270.25)
17-07-31 : 84,647.77 (+1,466.56)
17-08-31 : 84,980.55 (+ 332.78)
17-09-30 : 89.862.67 (+4,882.12)
Making some progress again :)
Market gains definitely helped this month
15-01-31 : -12,050.05
15-02-28 : -9,013.04 (+3,037.01)
15-03-31 : -8,373.63 (+ 639.41)
15-04-30 : 3,957.65 (+4,415.98)
15-05-31 : 6,155.15 (+2,197.50)
15-06-30 : 4,161.27 (- 1,993.88)
15-07-31 : 9,940.39 (+5,779.12)
15-08-31 : 11,086.93 (+1,146.54)
15-09-30 : 13,411.39 (+2,324.46)
15-10-31 : 21,753.13 (+8,341.74)
15-11-30 : 23,540.19 (+1,787.06)
15-12-31 : 25,039.14 (+1,498.95)
16-01-31 : 31,418.13 (+6,378.99)
16-02-29 : 33,247.02 (+1,828.89)
16-03-31 : 37,241.82 (+3,994.80)
16-04-30 : 47,305.81 (+10,063.99)
16-05-31 : 47,145.83 (- 159.98)
16-06-30 : 46,076.20 (- 838.38)
16-07-31 : 47,098.02 (+1,021.82)
16-08-31 : 46,307.45 (- 709.57)
16-09-30 : 48,762.90 (+2,455.45)
16-10-31 : 50,601.65 (+1,838.75)
16-11-30 : 52,677.91 (+2,076.26)
16-12-31 : 57,227.20 (+4,549.29)
17-01-31 : 58,540.40 (+1,313.20)
17-02-28 : 64,183.38 (+5,642.98)
17-03-31 : 75,197.12 (+11,013.74)
17-04-30 : 75,589.36 (+ 392.24)
17-05-31 : 83,478.46 (+7,889.10)
17-06-30 : 83,208.21 (- 270.25)
17-07-31 : 84,647.77 (+1,466.56)
17-08-31 : 84,980.55 (+ 332.78)
17-09-30 : 89.862.67 (+4,882.12)
Making some progress again :)
Market gains definitely helped this month
You're getting super close now! Any chance you break the barrier by year end?
I am in!!! My progress since April 2014.
April 2014 : -$9,000
October 2014 : $1500
December 2015 : $20,000
December 2016 : $48,000
September 1 2017 : $82,000
Congratulations, JerryRice!! Huge milestone accomplishment. :)
November 2009: Graduated from grad school with $52k student loans and 5k in the bank.
November 2010: -$41,165
November 2011: -$26,332
November 2012: -$7,560
November 2013: $8,748
November 2014: $21,464
November 2015: $27,355
November 2016: $50,207
February 14 2017: $60,724
I only really track my 401k balance 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.
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.
401K IRA Total
Dec 2013: $43,660 $0 $43,660
Dec 2014: $52,943 $0 $52,943
Dec 2015: $55,622 $0 $55,622
Dec 2016: $68,870 $700 $69,570
Feb 2017: $74,784 $700 $75,484
4/11/17: $76,834 $1002 $77,836
Apr 2017: $78,946 $1026 $79,972
5/24/17: $80,007 $1040 $81,047
6/05/17: $82,048 $1057 $83,105
7/21/17: $84,508 $1075 $85,583
8/02/17: $85,737 $1075 $86,812
9/01/17: $86,830 $1079 $87,909
10/02/17: $89,275 $1100 $90,375
I had a goal of $90k in the 401k by the end of the year, only $800 shy of that!!
Welcome back AcftW, though you are doing so well you won't be here long, it looks like. :)
Nederstash, I'm basically you a year ago! Hope I can hit 60k by Oct 18, great job 😎
April '17 £1,250
May '17 £2,515
June '17 £3,841
July '17 £6,774 / $8,705
August '17 £8,916 / $11,597 !
September '17 £10,812
First time checking in! Here's what the last few months have looked like:
1/1/17: $50,628
2/1/17: $54,828
3/1/17: $56,100
4/1/17: $60,393
5/1/17: $63,775
6/1/17: $67,020
I may have an expensive summer coming up (buying a car for the first time, moving long-distance, possible break between jobs), but here's hoping I can stay on track for my goal of $80k at year's end. And then $100k before my 27th birthday in 2018!
I want to play!
State pension (only the part I can roll over if I leave) = 21000
IRA= 2517.56
457 = 9459.79
Savings = 4780.78
Total = 37581.13
Student loans = 27,073.54
NW = 10684.59
State pension (only the part I can roll over if I leave) = 29,991
IRA= 2600
457 = 9738
Savings = 3175
Total = 45,504
Student loans = 22,343
NW = 23161
Dec-16: $32,870.70And then life got so busy, I didn't even register when it happened..!
Mar-17: $42,371.10
I can't wait to get over 50K!
Dec-16: $32,870.70And then life got so busy, I didn't even register when it happened..!
Mar-17: $42,371.10
I can't wait to get over 50K!
Aug-17: $49,222.48
Sep-17: $51,435.45
Dec-16: $32,870.70And then life got so busy, I didn't even register when it happened..!
Mar-17: $42,371.10
I can't wait to get over 50K!
Aug-17: $49,222.48
Sep-17: $51,435.45
Great job! Hope that happens to me with my next milestone!
.
.
I'm currently frustrated that half my net worth is in transit between TIAA and Vanguard for a rollover and I almost choked when I opened Personal Capital and saw the net worth bottoming out. I can't believe in this day and age the rollover can't be totally electronic! They tell me it could take up to 2 weeks to arrive in my rollover account...
Woke up the other day to mint saying I had gotten up to 114k, but it turns out they doubled one of my vanguard accounts. :D
Dec-16: $32,870.70And then life got so busy, I didn't even register when it happened..!
Mar-17: $42,371.10
I can't wait to get over 50K!
Aug-17: $49,222.48
Sep-17: $51,435.45
Great job! Hope that happens to me with my next milestone!
.
.
I'm currently frustrated that half my net worth is in transit between TIAA and Vanguard for a rollover and I almost choked when I opened Personal Capital and saw the net worth bottoming out. I can't believe in this day and age the rollover can't be totally electronic! They tell me it could take up to 2 weeks to arrive in my rollover account...
I transferred from Schwab to Vanguard via ACH so it is electronic for certain firm but not for all, I guess.
I'm crashing two threads and this will be my joint account. I like my personal one since it's easier to motivate myself then my wife, but it still nice seeing the change in combined NW/Investments which is what matters.10/27/2017: $72k Investments/$70.5k Net Worth
29dh/29dw
Combined 120k income
Midwest City
09/01/2017: $65k Investments/$59k Net Worth
10/01/2017: $68.3k Investments/$65.6k Net Worth
Hopefully graduate this thread by March.
Jul 2016 | -$19,048.00 | |
Aug 2016 | -$18,739.00 | |
Sep 2016 | $9,463.00 | |
Oct 2016 | -$25,832.00 | |
Nov 2016 | -$25,621.00 | |
Dec 2016 | -$25,405.00 | |
Jan 2017 | -$25,189.00 | |
Feb 2017 | -$24,977.00 | |
Mar 2017 | -$21,759.00 | |
Apr 2017 | -$15,838.00 | |
May 2017 | $7,477.00 | |
Jun 2017 | $16,623.25 | |
Jul 2017 | $27,638.49 | |
Aug 2017 | $39,025.21 | |
Sep 2017 | $49,626.13 | |
Oct 2017 | $59,438.41 | |
Nov 2017 | $71,949.94 | (+12,511) |
I am in! The goal is to get to 100k net worth by the end of 2018. Currently at ~21k. I have been pretty good at my goals so far. Starting out after college in Dec. 2013, I believe I had about a negative net worth of 65k. My first financial goal was to get a net worth of zero by the time I received my tax refund this year and I hit it at the end of January. My second goal was to have my private student loan (6.6%) paid off by the end of July. I made it at the end of June. Next I am hoping to have the car paid off by the end of the year. Currently have a 10k balance left on that loan.
My soft goal for the end of 2017 is 35k in net worth, only because I think I'll need it to be close to that to meet the 100k goal at the end of 2018. I have not done any hard calcs at this point, but in the mean time, I should be getting annual raises of approx. 5k beginning 11/1 for 2017 and 2018. I will also be maxing out my 401k in 2018 and hopefully the ROTH IRA as well.
October Update
01-01-2017 : 45,241
02-01-2017 : 55,143
03-01-2017 : 58,240
04-01-2017 : 69,145
05-01-2017 : 74,332
06-01-2017 : 77,877
07-01-2017 : 82,443
08-01-2017 : 85,688
09-01-2017 - 89,639
10-01-2017 : 92,834
11-01-2017 : 100,090 (GRADUATION)
Wow my investments were on fire this month. I expect them to drop back a little next month, but my new contributions should keep me above the 100k mark :).
$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
$83,652 - May 2017
$67,981 - Jun 2017
$64,425 - Jul 2017
$66,975 - Aug 2017
$73,801 - Sep 2017
$94,487 - Oct 2017
$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
$83,652 - May 2017
$67,981 - Jun 2017
$64,425 - Jul 2017
$66,975 - Aug 2017
$73,801 - Sep 2017
$94,487 - Oct 2017
$103,372 - Nov 2017
Made it! Took 2 years and some ups and downs but I made it. Keep it up everyone, hope to see you in the next thread!
15-01-31 : -12,050.05
15-02-28 : -9,013.04 (+3,037.01)
15-03-31 : -8,373.63 (+ 639.41)
15-04-30 : 3,957.65 (+4,415.98)
15-05-31 : 6,155.15 (+2,197.50)
15-06-30 : 4,161.27 (- 1,993.88)
15-07-31 : 9,940.39 (+5,779.12)
15-08-31 : 11,086.93 (+1,146.54)
15-09-30 : 13,411.39 (+2,324.46)
15-10-31 : 21,753.13 (+8,341.74)
15-11-30 : 23,540.19 (+1,787.06)
15-12-31 : 25,039.14 (+1,498.95)
16-01-31 : 31,418.13 (+6,378.99)
16-02-29 : 33,247.02 (+1,828.89)
16-03-31 : 37,241.82 (+3,994.80)
16-04-30 : 47,305.81 (+10,063.99)
16-05-31 : 47,145.83 (- 159.98)
16-06-30 : 46,076.20 (- 838.38)
16-07-31 : 47,098.02 (+1,021.82)
16-08-31 : 46,307.45 (- 709.57)
16-09-30 : 48,762.90 (+2,455.45)
16-10-31 : 50,601.65 (+1,838.75)
16-11-30 : 52,677.91 (+2,076.26)
16-12-31 : 57,227.20 (+4,549.29)
17-01-31 : 58,540.40 (+1,313.20)
17-02-28 : 64,183.38 (+5,642.98)
17-03-31 : 75,197.12 (+11,013.74)
17-04-30 : 75,589.36 (+ 392.24)
17-05-31 : 83,478.46 (+7,889.10)
17-06-30 : 83,208.21 (- 270.25)
17-07-31 : 84,647.77 (+1,466.56)
17-08-31 : 84,980.55 (+ 332.78)
17-09-30 : 89,862.67 (+4,882.12)
15-01-31 : -12,050.05
15-02-28 : -9,013.04 (+3,037.01)
15-03-31 : -8,373.63 (+ 639.41)
15-04-30 : 3,957.65 (+4,415.98)
15-05-31 : 6,155.15 (+2,197.50)
15-06-30 : 4,161.27 (- 1,993.88)
15-07-31 : 9,940.39 (+5,779.12)
15-08-31 : 11,086.93 (+1,146.54)
15-09-30 : 13,411.39 (+2,324.46)
15-10-31 : 21,753.13 (+8,341.74)
15-11-30 : 23,540.19 (+1,787.06)
15-12-31 : 25,039.14 (+1,498.95)
16-01-31 : 31,418.13 (+6,378.99)
16-02-29 : 33,247.02 (+1,828.89)
16-03-31 : 37,241.82 (+3,994.80)
16-04-30 : 47,305.81 (+10,063.99)
16-05-31 : 47,145.83 (- 159.98)
16-06-30 : 46,076.20 (- 838.38)
16-07-31 : 47,098.02 (+1,021.82)
16-08-31 : 46,307.45 (- 709.57)
16-09-30 : 48,762.90 (+2,455.45)
16-10-31 : 50,601.65 (+1,838.75)
16-11-30 : 52,677.91 (+2,076.26)
16-12-31 : 57,227.20 (+4,549.29)
17-01-31 : 58,540.40 (+1,313.20)
17-02-28 : 64,183.38 (+5,642.98)
17-03-31 : 75,197.12 (+11,013.74)
17-04-30 : 75,589.36 (+ 392.24)
17-05-31 : 83,478.46 (+7,889.10)
17-06-30 : 83,208.21 (- 270.25)
17-07-31 : 84,647.77 (+1,466.56)
17-08-31 : 84,980.55 (+ 332.78)
17-09-30 : 89,862.67 (+4,882.12)
17-10-31 : 115,300.79 (+25,438.12)
Graduation day! I received a much larger year end bonus than expected which sent me flying into the next thread! See everyone there!
Wooo Hoooo!!!! Big congratulations!
10/10/1711/1/17
Roth VTSMX currently $8995.
TSP $0.
Rejoining with new numbers - I started out tracking NW, but it did not feel right as it includes home equity/rental home equity/student loans, etc.... I am now only including our tax-advantaged retirement accounts as that is what feels right for me on this thread. I expect to graduate April 2019.
6/1/2017 $44,119
7/1/2017 $46,553
8/1/2017 $48,477
9/1/2017 $51,618
10/1/2017 $55,740
11/1/2017 $60,079 (will slow down through EOY as 401K is now maxed)
I only really track my 401k balance 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.
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.
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 |
Mar 17 | $71,221 |
Apr 17 | $73,018 |
May 17 | $71,772 |
Jun 17 | $69,832 |
Jul 17 | $72,166 |
Aug 17 | $73,360 |
Sep 17 | $76,497 |
Oct 17 | $77,675 |
October 2017: $55,138
April '17 £1,250
May '17 £2,515
June '17 £3,841
July '17 £6,774 / $8,705
August '17 £8,916 / $11,597 !
September '17 £10,812
October '17 £14,169
Hello Everybody,
I'm new to the Forum but i will start my journey to FI here
Nov\2017 65000
Next Milestone 100000 in 12\2019
EOY 2014: 0
EOY 2015: 16,728
EOY 2016: 41,467
Jan 2017: 42,037
Feb 2017: 45,956
Mar 2017: 48,399
Apr 2017: 48,580
May 2017: 48,527
Jun 2017: 47,553
Jul 2017: 46,952
Aug 2017: 51,030
Sep 2017: 55,257
Okt 2017: 60,679
401K IRA Total
Dec 2013: $43,660 $0 $43,660
Dec 2014: $52,943 $0 $52,943
Dec 2015: $55,622 $0 $55,622
Dec 2016: $68,870 $700 $69,570
Feb 2017: $74,784 $700 $75,484
4/11/17: $76,834 $1002 $77,836
Apr 2017: $78,946 $1026 $79,972
5/24/17: $80,007 $1040 $81,047
6/05/17: $82,048 $1057 $83,105
7/21/17: $84,508 $1075 $85,583
8/02/17: $85,737 $1075 $86,812
9/01/17: $86,830 $1079 $87,909
10/02/17: $89,275 $1100 $90,375
11/03/17: $91,994 $1124 $93,118
I had a goal of $90k in the 401k by the end of the year, I made it!! There should be a pretty decent dividends increase in Dec, not sure if I will be able to hit $95k in the 401k alone before the end of the year but it seems pretty likely in the combination of the 401k and IRA.
It would be really cool to graduate from this before baby #2 comes in March!
401K IRA Total
Dec 2013: $43,660 $0 $43,660
Dec 2014: $52,943 $0 $52,943
Dec 2015: $55,622 $0 $55,622
Dec 2016: $68,870 $700 $69,570
Feb 2017: $74,784 $700 $75,484
4/11/17: $76,834 $1002 $77,836
Apr 2017: $78,946 $1026 $79,972
5/24/17: $80,007 $1040 $81,047
6/05/17: $82,048 $1057 $83,105
7/21/17: $84,508 $1075 $85,583
8/02/17: $85,737 $1075 $86,812
9/01/17: $86,830 $1079 $87,909
10/02/17: $89,275 $1100 $90,375
11/03/17: $91,994 $1124 $93,118
I had a goal of $90k in the 401k by the end of the year, I made it!! There should be a pretty decent dividends increase in Dec, not sure if I will be able to hit $95k in the 401k alone before the end of the year but it seems pretty likely in the combination of the 401k and IRA.
It would be really cool to graduate from this before baby #2 comes in March!
I was reading some of the other "Race from" threads and decided that although I don't do true NW but it would be nice to look back and see it so I figured I would add it! I am staying in this thread because the "Invested Total" is the column that I am tracking.
401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Feb-17 $74,784 $700 $75,484 $200,000 $135,000 $281,000 $129,484
Apr-17 $78,946 $1,026 $79,972 $200,000 $135,000 $281,000 $133,972
May-17 $80,007 $1,040 $81,047 $240,000 $135,000 $281,000 $175,047
Jun-17 $82,048 $1,057 $83,105 $240,000 $135,000 $306,000 $152,105
Jul-17 $84,508 $1,075 $85,583 $240,000 $135,000 $306,000 $154,583
Aug-17 $85,737 $1,075 $86,812 $240,000 $135,000 $306,000 $155,812
Sep-17 $86,830 $1,079 $87,909 $240,000 $135,000 $319,000 $143,909
Oct-17 $89,275 $1,100 $90,375 $240,000 $135,000 $319,000 $146,375
Nov-17 $91,994 $1,124 $93,118 $240,000 $135,000 $317,000 $151,118
ETA: Those all looked like the would line up awesome when I put them in, somebody might have to show me how to paste a table in here.
401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Feb-17 $74,784 $700 $75,484 $200,000 $135,000 $281,000 $129,484
Apr-17 $78,946 $1,026 $79,972 $200,000 $135,000 $281,000 $133,972
May-17 $80,007 $1,040 $81,047 $240,000 $135,000 $281,000 $175,047
Jun-17 $82,048 $1,057 $83,105 $240,000 $135,000 $306,000 $152,105
Jul-17 $84,508 $1,075 $85,583 $240,000 $135,000 $306,000 $154,583
Aug-17 $85,737 $1,075 $86,812 $240,000 $135,000 $306,000 $155,812
Sep-17 $86,830 $1,079 $87,909 $240,000 $135,000 $319,000 $143,909
Oct-17 $89,275 $1,100 $90,375 $240,000 $135,000 $319,000 $146,375
Nov-17 $91,994 $1,124 $93,118 $240,000 $135,000 $317,000 $151,118
unexpected windfall and an unexpected inheritance:
1/31/17: -14,738 (-1,790)
2/29/17: -8,482 (+6,256)
3/31/17: -3,510 (+4,972)
4/30/17: 7,386 (+10,896)
5/31/17: 12,338.55 (+4,953)
6/30/17: 16,864 (+4,526)
7/31/17: 28,092.96 (+11229.14)
8/31/17: 11927.63 (-16,102.33)
9/30/17: 10,855.00 (-1072.63)
10/31/17: 115,192.30 (+104,337.30)
11/30/17:
12/31/17:
2017 calculated YOY: +128,140.53 on 10/31/2017
Wow, MEJG, congratulations on the huge leap forward! Though it sounds like you had a death in your family, and I am sorry for your loss. I've not gotten one, but these posthumous gifts from loved ones are huge. They can push us forward years on the FIRE pathway, giving us the gift of time and peace of mind.
Hi everyone! I'm so excited to be able to post in this thread after graduating from the race to $10k. That said, I'm settling in here for the long haul because I know reaching $100k is going to take me a looonngggg time. So I'll get a pot of coffee going and make myself at home. Right now I'm still building up my emergency fund, while putting 10% into my 401k. Hoping to have the e-fund done by the end of 2018, then start saving for a house while bumping up the 401k too. I have a paid off car not included in my net worth (2012 Honda Civic that I hope to drive f-o-r-e-v-e-r), student loans are gone (paid in full in late 2016), and zero debt. I'm 34 and feeling very behind at this adult thing, but I'm doing my best to catch up now.
November 2017 - $10,267
Hi everyone! I'm so excited to be able to post in this thread after graduating from the race to $10k. That said, I'm settling in here for the long haul because I know reaching $100k is going to take me a looonngggg time. So I'll get a pot of coffee going and make myself at home. Right now I'm still building up my emergency fund, while putting 10% into my 401k. Hoping to have the e-fund done by the end of 2018, then start saving for a house while bumping up the 401k too. I have a paid off car not included in my net worth (2012 Honda Civic that I hope to drive f-o-r-e-v-e-r), student loans are gone (paid in full in late 2016), and zero debt. I'm 34 and feeling very behind at this adult thing, but I'm doing my best to catch up now.
November 2017 - $10,267
January 1 | $45,372 | ||
March 1 | $65,063 | +$19,691 | (company bonus in February) |
June 1 | $78,821 | +$13,758 | |
August 1 | $76,010 | $2,811 | (the end of an extremely spendy summer and some investment dips, I think) |
October 1 | $92,860 | +$16,850 | (got a 20% raise in September) |
December 1 | $104,856 | +$11,996 |
April '17 £1,250I've decided to make some changes to my strategy after reading the 4 pot saving method http://the7circles.uk/savings-rate-four-pot-solution/
May '17 £2,515
June '17 £3,841
July '17 £6,774 / $8,705
August '17 £8,916 / $11,597 !
September '17 £10,812
October '17 £14,169
November '17 £16,320 / $21,449 !
My net worth finally crossed $100,000! Here's my progression according to Personal Capital:
January 1 $45,372 March 1 $65,063 +$19,691 (company bonus in February) June 1 $78,821 +$13,758 August 1 $76,010 $2,811 (the end of an extremely spendy summer and some investment dips, I think) October 1 $92,860 +$16,850 (got a 20% raise in September) December 1 $104,856 +$11,996
I saved $47,250 in total so it looks like I might just be able to hit another gauntlet goal to save $50k in 2017 (https://forum.mrmoneymustache.com/throw-down-the-gauntlet/save-100k(couple)-or-50k(single)-in-2017/).
I'm excited to move on to the next gauntlet thread!
Total Saved Market G/L
04/01/17 68457.00 1190.50 103.50
05/01/17 70223.00 921.10 844.90
06/01/17 73782.00 2941.60 617.40
07/01/17 76009.00 1559.60 667.40
08/01/17 78615.00 1271.20 1334.80
09/01/17 79916.00 1271.20 29.80
10/01/17 85194.00 3271.20 2006.80
11/01/17 87497.00 1271.20 1031.80
12/01/17 90639.00 1271.20 1870.80
10/10/1711/1/17
Roth VTSMX currently $8995.
TSP $0.
rIRA= $10,095
TSP= $121
I'm in! I was waiting for the month end to get my numbers together. I'm in the UK so working towards £100k.
1 Dec 2017 - £16,900
Currently adding approximately £800 per month to the stash, I'm very jealous of everyone that can add thousands each month!
Ok I just depressed myself and worked out it will take about 8.5 years to get to 100k at my current rate of saving :(
6/1/2017 $44,11912/1/2017 $62,686.85
7/1/2017 $46,553
8/1/2017 $48,477
9/1/2017 $51,618
10/1/2017 $55,740
11/1/2017 $60,079 (will slow down through EOY as 401K is now maxed)
Looks like I may be able to graduate next month! Fingers crossed!!
Jul 1, 2016 | -$19,048.00 | |
Aug 1, 2016 | -$18,739.00 | |
Sep 1, 2016 | $9,463.00 | |
Oct 1, 2016 | -$25,832.00 | |
Nov 1, 2016 | -$25,621.00 | |
Dec 1, 2016 | -$25,405.00 | |
Jan 1, 2017 | -$25,189.00 | |
Feb 1, 2017 | -$24,977.00 | |
Mar 1, 2017 | -$21,759.00 | |
Apr 1, 2017 | -$15,838.00 | |
May 1, 2017 | $7,477.00 | |
Jun 1, 2017 | $16,623.25 | |
Jul 1, 2017 | $27,638.49 | |
Aug 1, 2017 | $39,025.21 | |
Sep 1, 2017 | $49,626.13 | |
Oct 1, 2017 | $59,438.41 | |
Nov 1, 2017 | $71,949.94 | |
Dec 1, 2017 | $82,267.23 | (+10,317) |
EOY 2014: 0My savings made up most of the increase this month. Found out that the Ireland-based Vanguard ETFs are available on XETRA (German stock exchange) as of last month. Which means I can once again buy my favorite ETF, although on a different stock exchange.
EOY 2015: 16,728
EOY 2016: 41,467
Jan 2017: 42,037
Feb 2017: 45,956
Mar 2017: 48,399
Apr 2017: 48,580
May 2017: 48,527
Jun 2017: 47,553
Jul 2017: 46,952
Aug 2017: 51,030
Sep 2017: 55,257
Oct 2017: 60,679
Nov 2017: 62,449
Looks like I may be able to graduate next month! Fingers crossed!!
Yeah i agree, your average save per month is 3,338. I think you made it for new years. Congrats!
I'm in! I was waiting for the month end to get my numbers together. I'm in the UK so working towards £100k.
1 Dec 2017 - £16,900
Currently adding approximately £800 per month to the stash, I'm very jealous of everyone that can add thousands each month!
Ok I just depressed myself and worked out it will take about 8.5 years to get to 100k at my current rate of saving :(
Don't feel too badly, I'm in about your same situation! I can only save about $850/month too right now. But your life (and my life!) won't be the same in 8.5 years. I have hopes that we'll both be able to save more in the future! 100k will come sooner than we think.
I'm in! I was waiting for the month end to get my numbers together. I'm in the UK so working towards £100k.
1 Dec 2017 - £16,900
Currently adding approximately £800 per month to the stash, I'm very jealous of everyone that can add thousands each month!
Ok I just depressed myself and worked out it will take about 8.5 years to get to 100k at my current rate of saving :(
Don't feel too badly, I'm in about your same situation! I can only save about $850/month too right now. But your life (and my life!) won't be the same in 8.5 years. I have hopes that we'll both be able to save more in the future! 100k will come sooner than we think.
I'm in! I was waiting for the month end to get my numbers together. I'm in the UK so working towards £100k.
1 Dec 2017 - £16,900
Currently adding approximately £800 per month to the stash, I'm very jealous of everyone that can add thousands each month!
Ok I just depressed myself and worked out it will take about 8.5 years to get to 100k at my current rate of saving :(
Don't feel too badly, I'm in about your same situation! I can only save about $850/month too right now. But your life (and my life!) won't be the same in 8.5 years. I have hopes that we'll both be able to save more in the future! 100k will come sooner than we think.
I also can save about 850 in a good month, but I have to admit I'm pretty happy with that. Maybe because I'm a newbie :-)
More seriously though, since discovering MMM I have been trying to figure out what a typical Dutch family would save and how much in debt they are, just to get my bearings on where I stand. It's not easy to find the numbers but from what I read and hear from colleagues, we (SO and I) are doing extremely well. So yes, saving like crazy to obtain 100k includes a long wait but we are still So Much Better Off than most people. I truly feel privileged and I'm trying to figure out a way of giving some of my luck back to our community. If any of you has tips or ideas I would love to hear!
For all of the super-savers, but a bit more for the smaller-savers like us: You can do it! :-)
401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Feb-17 $74,784 $700 $75,484 $200,000 $135,000 $281,000 $129,484
Apr-17 $78,946 $1,026 $79,972 $200,000 $135,000 $281,000 $133,972
May-17 $80,007 $1,040 $81,047 $240,000 $135,000 $281,000 $175,047
Jun-17 $82,048 $1,057 $83,105 $240,000 $135,000 $306,000 $152,105
Jul-17 $84,508 $1,075 $85,583 $240,000 $135,000 $306,000 $154,583
Aug-17 $85,737 $1,075 $86,812 $240,000 $135,000 $306,000 $155,812
Sep-17 $86,830 $1,079 $87,909 $240,000 $135,000 $319,000 $143,909
Oct-17 $89,275 $1,100 $90,375 $240,000 $135,000 $319,000 $146,375
Nov-17 $91,994 $1,124 $93,118 $240,000 $135,000 $317,000 $151,118
Dec-17 $94,085 $1,124 $95,209 $240,000 $135,000 $317,000 $153,209
I'm crashing two threads and this will be my joint account. I like my personal one since it's easier to motivate myself then my wife, but it still nice seeing the change in combined NW/Investments which is what matters.12/4/2017: $76.5k Investments/$81.9k Net Worth
29dh/29dw
Combined 120k income
Midwest City
09/01/2017: $65k Investments/$59k Net Worth
10/01/2017: $68.3k Investments/$65.6k Net Worth
10/27/2017: $72k Investments/$70.5k Net Worth
Original Goal: graduate this thread by March.
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
I'm looking forward to following everyone's progress. Good luck to us all!
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
Mar 17: 43989
Apr 17: 45143
May 17: 46766
Jun 17: 49646
Jul 17: 52567
Aug 17: 54267
Sep 17: 54565
Oct 17: 68832
Nov 17: 70574
RRSP | TFSA | |
Dec '17 | 5,500 | 5,500 |
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 |
Mar 17 | $71,221 |
Apr 17 | $73,018 |
May 17 | $71,772 |
Jun 17 | $69,832 |
Jul 17 | $72,166 |
Aug 17 | $73,360 |
Sep 17 | $76,497 |
Oct 17 | $77,675 |
Nov 17 | $80,642 |
Welcome Kaders and MoneyMouse!!
I'm in! I was waiting for the month end to get my numbers together. I'm in the UK so working towards £100k.
1 Dec 2017 - £16,900
Currently adding approximately £800 per month to the stash, I'm very jealous of everyone that can add thousands each month!
Ok I just depressed myself and worked out it will take about 8.5 years to get to 100k at my current rate of saving :(
Don't feel too badly, I'm in about your same situation! I can only save about $850/month too right now. But your life (and my life!) won't be the same in 8.5 years. I have hopes that we'll both be able to save more in the future! 100k will come sooner than we think.
I also can save about 850 in a good month, but I have to admit I'm pretty happy with that. Maybe because I'm a newbie :-)
More seriously though, since discovering MMM I have been trying to figure out what a typical Dutch family would save and how much in debt they are, just to get my bearings on where I stand. It's not easy to find the numbers but from what I read and hear from colleagues, we (SO and I) are doing extremely well. So yes, saving like crazy to obtain 100k includes a long wait but we are still So Much Better Off than most people. I truly feel privileged and I'm trying to figure out a way of giving some of my luck back to our community. If any of you has tips or ideas I would love to hear!
For all of the super-savers, but a bit more for the smaller-savers like us: You can do it! :-)
How hard is the first $100k compared to say the first $250k, and then the first $500k, etc?
I'm finding it pretty hard to be honest but hoping it gets easier hitting the bigger numbers with time and compounding...
Welcome Svoboda! It won't be that long. You're doing great, and life happens in the meantime. :)
Below my numbers, savings and investments only:
July 2017: 7.208 <--- Discovered MMM
August 2017: 8.918
September 2017: 9.480
October 2017: 10.225
November 2017: 10.906
December 2017: 16.738 /$19,728 (+ 5.832) - frugal month and a generous gift!
Code: [Select]401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Feb-17 $74,784 $700 $75,484 $200,000 $135,000 $281,000 $129,484
Apr-17 $78,946 $1,026 $79,972 $200,000 $135,000 $281,000 $133,972
May-17 $80,007 $1,040 $81,047 $240,000 $135,000 $281,000 $175,047
Jun-17 $82,048 $1,057 $83,105 $240,000 $135,000 $306,000 $152,105
Jul-17 $84,508 $1,075 $85,583 $240,000 $135,000 $306,000 $154,583
Aug-17 $85,737 $1,075 $86,812 $240,000 $135,000 $306,000 $155,812
Sep-17 $86,830 $1,079 $87,909 $240,000 $135,000 $319,000 $143,909
Oct-17 $89,275 $1,100 $90,375 $240,000 $135,000 $319,000 $146,375
Nov-17 $91,994 $1,124 $93,118 $240,000 $135,000 $317,000 $151,118
Dec-17 $94,085 $1,124 $95,209 $240,000 $135,000 $317,000 $153,209
I had a goal of $90k in the 401k by the end of the year, I made it!! There should be a pretty decent dividends increase in Dec,not sure if I will be able to hit $95k in the 401k alone before the end of the year but it seems pretty likely in the combination of the 401k and IRAI might even hit $95k in the 401k alone before the end of year. It would be really cool to graduate from this before baby #2 comes in March!
I was reading some of the other "Race from" threads and decided that although I don't count true NW it would be nice to look back and see it so I figured I would add it! I am staying in this thread because the "Invested Total" is the column that I am tracking.
November 2009: Graduated from grad school with $52k student loans and 5k in the bank.
November 2010: -$41,165
November 2011: -$26,332
November 2012: -$7,560
November 2013: $8,748
November 2014: $21,464
November 2015: $27,355
November 2016: $50,207
February 14 2017: $60,724
October 4, 2017: $88,757
Will certainly cross $90k, maybe $95 this year... three paychecks in December will give me a boost! So close!
November 2009: Graduated from grad school with $52k student loans and 5k in the bank.
November 2010: -$41,165
November 2011: -$26,332
November 2012: -$7,560
November 2013: $8,748
November 2014: $21,464
November 2015: $27,355
November 2016: $50,207
February 14 2017: $60,724
October 4, 2017: $88,757
Will certainly cross $90k, maybe $95 this year... three paychecks in December will give me a boost! So close!
December 23, 2017: $99,060
I will get my third paycheck of the month (~$1600) on Dec. 29. :) :) Graduation to the next level imminent. See you on the other side! Many many thanks to you all for being so dang inspiring.
Keep on keeping on!
Jul 1, 2016 | -$19,048.00 | |
Aug 1, 2016 | -$18,739.00 | |
Sep 1, 2016 | $9,463.00 | |
Oct 1, 2016 | -$25,832.00 | |
Nov 1, 2016 | -$25,621.00 | |
Dec 1, 2016 | -$25,405.00 | |
Jan 1, 2017 | -$25,189.00 | |
Feb 1, 2017 | -$24,977.00 | |
Mar 1, 2017 | -$21,759.00 | |
Apr 1, 2017 | -$15,838.00 | |
May 1, 2017 | $7,477.00 | |
Jun 1, 2017 | $16,623.25 | |
Jul 1, 2017 | $27,638.49 | |
Aug 1, 2017 | $39,025.21 | |
Sep 1, 2017 | $49,626.13 | |
Oct 1, 2017 | $59,438.41 | |
Nov 1, 2017 | $71,949.94 | |
Dec 1, 2017 | $82,267.23 | |
Dec 29, 2017 | $110,473.03 | (+38,523) |
First time poster. Reckon I fit in this thread pretty well.
Savings/investments: $30,442
Cc debt (0% apr) - $3,411
Student loans (7.9% apr) - $8,856
Total - $18,175
Currently looking to build up a 3-6 month emergency fund and then kill the remaining debt.
I'm crashing two threads and this will be my joint account. I like my personal one since it's easier to motivate myself then my wife, but it still nice seeing the change in combined NW/Investments which is what matters.12/29/2017: $79.1k Investments/$84.8k Net Worth
29dh/29dw
Combined 120k income
Midwest City
09/01/2017: $65k Investments/$59k Net Worth
10/01/2017: $68.3k Investments/$65.6k Net Worth
10/27/2017: $72k Investments/$70.5k Net Worth
12/4/2017: $76.5k Investments/$81.9k Net Worth
Original Goal: graduate this thread by March with NW.
Oct 2017 EUR 13400,-
Nov 2017 EUR 13900,- (+500)
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
I'm looking forward to following everyone's progress. Good luck to us all!
Missed a month, but my net worth as of Nov 30th is $18,617.
I am in! The goal is to get to 100k net worth by the end of 2018. Currently at ~21k. I have been pretty good at my goals so far. Starting out after college in Dec. 2013, I believe I had about a negative net worth of 65k. My first financial goal was to get a net worth of zero by the time I received my tax refund this year and I hit it at the end of January. My second goal was to have my private student loan (6.6%) paid off by the end of July. I made it at the end of June. Next I am hoping to have the car paid off by the end of the year. Currently have a 10k balance left on that loan.
My soft goal for the end of 2017 is 35k in net worth, only because I think I'll need it to be close to that to meet the 100k goal at the end of 2018. I have not done any hard calcs at this point, but in the mean time, I should be getting annual raises of approx. 5k beginning 11/1 for 2017 and 2018. I will also be maxing out my 401k in 2018 and hopefully the ROTH IRA as well.
So I am currently at ~30,900 net worth. I've been averaging about a 2k increase per month and I've got an extra paycheck coming in for December as there will be 3 pay periods. I should be between 37-38k net worth by the end of the year. I've got a raise coming effective 11/1, but I have not been communicated the amount yet.
I've cut almost 3k in annual expenses in the past few months. Moved to a nicer, more convenient, and cheaper apartment (farther away from city center, which I don't need anymore) that will save me $87 a month. In moving there and an acquisition by my firm, I will be driving approximately 10 miles round trip a day rather than 60. Rough estimates have that at about $100 a month in gas savings. My firm is also adding a HDHP plan, which I do not know the exact details yet, but I'm guessing this will be about 1/2 the cost of the low deductible plan (estimated savings of 50/month).
I have not ran the hard numbers yet as exact figures aren't determined, but my goal of 100k NW by the end of 2018 is going to come really close. I'd guess I'm looking at being more towards 10-15k short without any gains/raise coming next year/potential promotion. Here is a question for my fellow cohorts - I have about a 5k vested pension at my previous employer. I'm going to check to see if there is any way I can roll that over into a 401k/IRA this coming week. Either way, would you include that in your net worth calc? I'm younger so pensions are not a familiar topic for me. I've read being vested means that its guaranteed to me no matter what, but I've heard of plenty of people losing their pensions (albeit not knowing specific circumstances).
1/110/10/1711/1/17
Roth VTSMX currently $8995.
TSP $0.
rIRA= $10,095
TSP= $121
12/1
rIRA= 10,300
TSP= 1,483
6/1/2017 $44,119
7/1/2017 $46,553
8/1/2017 $48,477
9/1/2017 $51,618
10/1/2017 $55,740
11/1/2017 $60,079 (will slow down through EOY as 401K is now maxed)
12/1/2017 $62,686.85
1/1/2018 $67,210.81 (excited to start 401K contributions back up)
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
Mar 2017: 70,782.46
Apr 2017: 73,027.41
May 2017: 76,803.28
Jun 2017: 78,061.77
Jul 2017: 81,104.24
Aug 2017: 84,125.91
Sep 2017: 88,561.32
Oct 2017: 92,457.44
Nov 2017: 98,335.44
Dec 2017: 102,068.04
I made it! On to the next thread. Hope to see you everyone over there soon!
Code: [Select]401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Feb-17 $74,784 $700 $75,484 $200,000 $135,000 $281,000 $129,484
Apr-17 $78,946 $1,026 $79,972 $200,000 $135,000 $281,000 $133,972
May-17 $80,007 $1,040 $81,047 $240,000 $135,000 $281,000 $175,047
Jun-17 $82,048 $1,057 $83,105 $240,000 $135,000 $306,000 $152,105
Jul-17 $84,508 $1,075 $85,583 $240,000 $135,000 $306,000 $154,583
Aug-17 $85,737 $1,075 $86,812 $240,000 $135,000 $306,000 $155,812
Sep-17 $86,830 $1,079 $87,909 $240,000 $135,000 $319,000 $143,909
Oct-17 $89,275 $1,100 $90,375 $240,000 $135,000 $319,000 $146,375
Nov-17 $91,994 $1,124 $93,118 $240,000 $135,000 $317,000 $151,118
Dec-17 $94,085 $1,124 $95,209 $240,000 $135,000 $317,000 $153,209
I had a goal of $90k in the 401k by the end of the year, I made it!! There should be a pretty decent dividends increase in Dec,not sure if I will be able to hit $95k in the 401k alone before the end of the year but it seems pretty likely in the combination of the 401k and IRAI might even hit $95k in the 401k alone before the end of year. It would be really cool to graduate from this before baby #2 comes in March!
I was reading some of the other "Race from" threads and decided that although I don't count true NW it would be nice to look back and see it so I figured I would add it! I am staying in this thread because the "Invested Total" is the column that I am tracking.
I know I really shouldn't be looking at the balances this often but as of this morning (who knows if it will last) the 401k is just above $95k. Once the Dec contribution and any dividends are added (assuming this growth doesn't take a nose dive before the end of the year) we should be really close to graduating this race. I think Jan I am going to be really tempted to add enough to the IRA to get us over that $100k mark, must remind myself that savings should be left alone until after baby arrives.
Jan-2014 $24,525.00
Jan-2015 $32,090.00
Jan-2016 $39,258.00
Jan-2017 $59,072.00 (found MMM 3/17)
----------
Total Saved Market G/L
01/01/18 93684.00 2136.40 908.60
I had a goal of $90k in the 401k by the end of 2017, I made it!! There should be a pretty decent dividends increase in Dec,not sure if I will be able to hit $95k in the 401k alone before the end of the year but it seems pretty likely in the combination of the 401k and IRAI might even hit $95k in the 401k alone before the end of year. It would be really cool to graduate from this before baby #2 comes in March!
I was reading some of the other "Race from" threads and decided that although I don't count true NW it would be nice to look back and see it so I figured I would add it! I am staying in this thread because the "Invested Total" is the column that I am tracking.
401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,700 $154,761
This will be a slowish race for me but interesting to track :)
DEC /17
$20,624.84
This will be a slowish race for me but interesting to track :)
DEC /17
$20,624.84
Welcome Serendip! No worries if you end up at a slow pace. It took me forever and a day to get to $100k; I was way slower than all you youngsters. The important thing is that you are on the path. You can do it!
Love these threads. I'm tracking net worth in the 0-10k thread but I think I'll jump in here and start tracking Savings/Invested assets to 100K. Watching everyone's progress gives me so much motivation
£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
I was reading some of the other "Race from" threads and decided that although I don't count true NW it would be nice to look back and see it so I figured I would add it! I am staying in this thread because the "Invested Total" is the column that I am tracking.
Looks like the new company started the transfer of our 401K on 12/30 so all that money is currently not playing in the market which is disappointing. I am tempted to take what is in savings (~$3000) for DH's potential self employment taxes and put it into his IRA as I don't think we should owe anything above what has been paid in for 2017. This would move us on to the next race, I don't currently count that savings as it has a clearly defined purpose, or I could do the practical thing and wait to make sure we don't have any tax liability 1st. Waiting is not an area that I excel at.
401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
*Jan-18 $99,676 $1,201 $100,877 $240,000 $135,000 $317,727 $158,150
*Stats for Jan 15th, 2018 (not end of month)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 |
Mar 17 | $71,221 |
Apr 17 | $73,018 |
May 17 | $71,772 |
Jun 17 | $69,832 |
Jul 17 | $72,166 |
Aug 17 | $73,360 |
Sep 17 | $76,497 |
Oct 17 | $77,675 |
Nov 17 | $80,642 |
Dec 17 | $82,238 |
1/12/18 - $75,103.121/12/18 - $75,103.12
Expect to crush 100k this year as Im hammering away at student loans.
1/12/18 - $75,103.121/12/18 - $75,103.12
Expect to crush 100k this year as Im hammering away at student loans.
1/16/18 - $83,567.53
student loan payments cleared and my year end bonuses and employer contribution hit my 401k finally. Sorry, no black magic for huge jumps like that.1/12/18 - $75,103.121/12/18 - $75,103.12
Expect to crush 100k this year as Im hammering away at student loans.
1/16/18 - $83,567.53
Just curious...how did you jump 8k in 4 days?
Today was the day! Below was my journey from the first month I registered a positive net worth to the finish line. See you in the next thread!
1/1/16 $2,000
2/1/16 $4,793
3/1/16 $10,108
4/1/16 $14,574
5/1/16 $16,150
6/1/16 $19,879
7/1/16 $23,001
8/1/16 $28,667
9/1/16 $33,134
10/1/16 $35,682
11/1/16 $37,758
12/1/16 $42,243
1/1/17 $31,938
2/1/17 $36,861
3/1/17 $43,690
4/1/17 $46,035
5/1/17 $49,860
6/1/17 $53,551
7/1/17 $59,289
8/1/17 $64,996
9/1/17 $68,439
10/1/17 $73,881
11/1/17 $79,385
12/1/17 $84,711
1/1/18 $92,724
1/19/18 $100,140!!!!!!
First time poster. Reckon I fit in this thread pretty well.
Savings/investments: $30,442
Cc debt (0% apr) - $3,411
Student loans (7.9% apr) - $8,856
Total - $18,175
Currently looking to build up a 3-6 month emergency fund and then kill the remaining debt.
Howdy folks,
I've been reading the blog for a few years, but really want to make things count this year, so I'm jumping into the forums for some accountability. I should have jumped into this thread awhile ago, but might as well start here:
I've been using Personal Capital to track NW since the beginning of 2015, so we should graduate from this thread in the next few months. We've been averaging 40K + NW gains a year since then, but I feel like we could do better since we have high incomes relative to our cost of living. I'm also using a conservative estimate of our home value (total mortgage - outstanding balance), so in theory this number would be higher if using a figure closer to what Zillow states as the 'value' or even the original appraisal value from when we bought five years ago.
I'd love for this to be the year that we squash our outstanding debt (some students loans and car payments), so I'll be posting progress on the student loan payoff in that thread as well.
Jan 2018: $85,246
Background:Current Beginning February 2017: $14.3K - Investments ~$43.9k.
Age: 29
"Switched" Careers at 25.
Started taking personal finances 'seriously' around 27 (aka actually saving money, 401k, etc).
Started taking personal finances seriously around 29
Salary gradually up to65k, 68k as of End of 2017, 75k at beginning of CY18
Married but don't include house (equity/mortgage) or joint savings in these calculations since she's the boss, it gets messy with house equity/sweat equity ($40k total on a $170k house in May 17), and it will just be cherry on the top.
-Paid off car but not adding value of that in the calculation since its not worth more than a few Gs and requires maintenance
-4.5 years left of student loan payments I'm aggressively paying off/refinanced in January '17
-15 year mortgage in May '17
-Not including 529 accounts-Only a few hundred now, but it will be going to Godchildren/my future children so not my money in my eyes.
January 2016-
($45k) Student Debt
($2k) Personal CC Debt
$8k 401k
NW: ($38k)
NW April 2016: ($34K)
July 2016: ($28.4k)
October 2016: ($22.6k)
January 2017: ($20.8k) (Refinanced loan and intransit payments not reflected)
April 2017: ($10.9k)
July 2017: ($5.7k)
August 2017: ($2.5k)
September 2017:(~$1.7k)
October 2017: $1.8k - $32k
November 2017: $4.5K - Investments ~$33.8k.
December 2017: $7.9K - Investments ~$37.8k.
January 2017: $11.4K - Investments ~$39.6k.
Goal: 50k at end of year.
Hoping to increase 401k/IRA when the Sloans are paid off and hopefully some more salary. Realistic goal is to retire by 55 unless I really climb the corporate ladder.
I'm crashing two threads and this will be my joint account. I like my personal one since it's easier to motivate myself then my wife, but it still nice seeing the change in combined NW/Investments which is what matters.1/26/2018: $87.k Investments/$84.1k Net Worth (Down due to property taxes and change in Zillow for house)
29dh/29dw
Combined 120k income
Midwest City
09/01/2017: $65k Investments/$59k Net Worth
10/01/2017: $68.3k Investments/$65.6k Net Worth
10/27/2017: $72k Investments/$70.5k Net Worth
12/4/2017: $76.5k Investments/$81.9k Net Worth
12/29/2017: $79.1k Investments/$84.8k Net Worth
Original Goal: graduate this thread by March with NW.
Oct 2017 EUR 13400,-
Nov 2017 EUR 13900,- (+500)
Dec 2017 EUR 14300,- (+400)
Not bad considering I paid my health insurance for the whole year this month. From next month savings should increase to >1000/month.
RRSP | TFSA | |
Dec '17 | 5,500 | 5,500 |
Jan '18 | 5,636 | 5,808 |
End of January - 47966
November- 41195
December- 42526
1/112/110/10/1711/1/17
Roth VTSMX currently $8995.
TSP $0.
rIRA= $10,095
TSP= $121
rIRA= 10,300
TSP= 1,483
rIRA=11,301
TSP=3,404
Total = 14,705
6/1/2017 $44,1192/1/2018 $76,267.84
7/1/2017 $46,553
8/1/2017 $48,477
9/1/2017 $51,618
10/1/2017 $55,740
11/1/2017 $60,079 (will slow down through EOY as 401K is now maxed)
12/1/2017 $62,686.85
1/1/2018 $67,210.81 (excited to start 401K contributions back up)
I was reading some of the other "Race from" threads and decided that although I don't count true NW it would be nice to look back and see it so I figured I would add it! I am staying in this thread because the "Invested Total" is the column that I am tracking.
401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
Jan-18 $101,379 $1,212 $102,591 $240,000 $135,000 $316,332 $161,258
Jul 17 $6.2k Aug 17 $6.8k Sept 17 $8.2k Oct 17 $9.0k Nov 17 $9.9k Dec 17 $11.1k
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
I'm looking forward to following everyone's progress. Good luck to us all!
Missed a month, but my net worth as of Nov 30th is $18,617.
As the year comes to a close, my next worth is up to $23,350.
One month into 2018 and the new NW is 51,349 (with some help from the market) with an end of year projection now of $101,092. Woo hoo! I would still like to come up with another few thousand to play it safe as there will certainly be expenses come up that I don't really budget for such as medical/dental, car maintenance, registration renewals, etc.I am in! The goal is to get to 100k net worth by the end of 2018. Currently at ~21k. I have been pretty good at my goals so far. Starting out after college in Dec. 2013, I believe I had about a negative net worth of 65k. My first financial goal was to get a net worth of zero by the time I received my tax refund this year and I hit it at the end of January. My second goal was to have my private student loan (6.6%) paid off by the end of July. I made it at the end of June. Next I am hoping to have the car paid off by the end of the year. Currently have a 10k balance left on that loan.
My soft goal for the end of 2017 is 35k in net worth, only because I think I'll need it to be close to that to meet the 100k goal at the end of 2018. I have not done any hard calcs at this point, but in the mean time, I should be getting annual raises of approx. 5k beginning 11/1 for 2017 and 2018. I will also be maxing out my 401k in 2018 and hopefully the ROTH IRA as well.
So I am currently at ~30,900 net worth. I've been averaging about a 2k increase per month and I've got an extra paycheck coming in for December as there will be 3 pay periods. I should be between 37-38k net worth by the end of the year. I've got a raise coming effective 11/1, but I have not been communicated the amount yet.
I've cut almost 3k in annual expenses in the past few months. Moved to a nicer, more convenient, and cheaper apartment (farther away from city center, which I don't need anymore) that will save me $87 a month. In moving there and an acquisition by my firm, I will be driving approximately 10 miles round trip a day rather than 60. Rough estimates have that at about $100 a month in gas savings. My firm is also adding a HDHP plan, which I do not know the exact details yet, but I'm guessing this will be about 1/2 the cost of the low deductible plan (estimated savings of 50/month).
I have not ran the hard numbers yet as exact figures aren't determined, but my goal of 100k NW by the end of 2018 is going to come really close. I'd guess I'm looking at being more towards 10-15k short without any gains/raise coming next year/potential promotion. Here is a question for my fellow cohorts - I have about a 5k vested pension at my previous employer. I'm going to check to see if there is any way I can roll that over into a 401k/IRA this coming week. Either way, would you include that in your net worth calc? I'm younger so pensions are not a familiar topic for me. I've read being vested means that its guaranteed to me no matter what, but I've heard of plenty of people losing their pensions (albeit not knowing specific circumstances).
Now that year end is basically here I took some time to run my numbers.
Current NW: 46,289.93
2018:
Student loan payments decreasing principal: 1,933.56
ROTH IRA Contribution on 1/1 (with 7% return estimated: 5,885
401k Contributions (with estimated DCA of 3.5% return): 19,147.50
Deferred 2017 401k employer match: 458
401k employer match (with estimated DCA of 3.5% return): 2,000
2017 tax refund estimate (with 1% Ally interest): 2,020
Addition to savings (for house downpayment):18,379.42
Estimated previous employer retirement plan increase: 500
Estimated increase in paychecks due to lower w/h from tax reform: 1,500.
Estimated increase to 2017 YE 401k balance (assuming 7%): 1273.09
Estimated increase to 2017 YE Roth balance (assuming 7%): 424.41
12/31 2018 NW estimate: $99,780.91. So it's going to be VERY close. There will certainly be some unexpected costs that creep up such as smaller medical/dental costs, registrations, licenses, car maintenance/repairs, etc. Getting there is going to heavily count on the stock market getting at least average returns. I'm working hard towards a promotion that would go into effect 11/1/18, which would hopefully net me about another 1k before 2018 YE. I also have multiple ways to get bonuses at work, albeit normally in smaller increments. I believe I already have close to 1k gross coming my way. Let's get it!
November 2017 - $10,267
December 2017 - $11,208
Jan-2014 $24,525.00
Jan-2015 $32,090.00
Jan-2016 $39,258.00
Jan-2017 $59,072.00 (found MMM 3/17)
----------
Total Saved Market G/L
01/01/18 93684.00 2136.40 908.60
02/01/18 103443.00 4675.00 5084.00
01/17 - 9,926
02/17 - 15,869
03/17 - 21,618
04/17 - 22,738
05/17 - 29,255
06/17 - 30,880
07/17 - 40,255
08/17 - 44,722
09/17 - 48,025
10/17 - 62,340
11/17 - 67,770
12/17 - 83,785
01/18 - 87,942
02/18 - 95,169
Getting close to movin on...hopefully by this time next month I'll have graduated!
Graduation day for me! Thank you all, specially Trifele for keeping us honest.Code: [Select]
Jan-2014 $24,525.00
Jan-2015 $32,090.00
Jan-2016 $39,258.00
Jan-2017 $59,072.00 (found MMM 3/17)
----------
Total Saved Market G/L
01/01/18 93684.00 2136.40 908.60
02/01/18 103443.00 4675.00 5084.00
01/2018: $40796.81. Every step forward counts
02/2018: $41337.51
January was an tough month as I had to fly home on very short notice for a family emergency. I don't regret it, but it was expensive. At least things are going in the right direction overall.
403b Roth Total
December 2017 21,066.48 44,192.03 65,258.51
January 2018 21,279.96 46,322.92 67,602.61 (+2344.1)
February 2018 22,087.45 50,702.37 72,789.82 (+5187.21)
Only just signed up to post but been following this thread for a while and it is a huge help to keep me on track.
Since I started tracking:
07/17: £18,831
08/17: £20,396
09/17: £23,363
10/17: £24,599
Quarter of the way there. :-)
403b Roth Total
December 2017 21,066.48 44,192.03 65,258.51
January 2018 21,279.96 46,322.92 67,602.61 (+2344.1)
February 2018 22,087.45 50,702.37 72,789.82 (+5187.21)
Youre not doing net worth? Thats pretty hardcore to focus purely on retirement accounts.
My progress since April 2014.congrats!
April, 2014 : -$9,000
October, 2014 : $1500
December, 2015 : $20,000
December, 2016 : $48,000
September 1, 2017 : $82,000
October 1, 2017 : $87,996
November 1, 2017 : $90,085
December 1, 2017 : $94,182
January 1, 2018 : $97,318
February 2, 2018 : $104,695
Yay, we will be graduating this month. Good luck to all of you and see you in the next race.
I was reading some of the other "Race from" threads and decided that although I don't count true NW it would be nice to look back and see it so I figured I would add it! I am staying in this thread because the "Invested Total" is the column that I am tracking.Code: [Select]401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
Jan-18 $101,379 $1,212 $102,591 $240,000 $135,000 $316,332 $161,258
I am calling JAN 2018 as the official graduation from this race!!
New job started on Monday, new race officially starts today!
Damn, that's some really impressive progress for only six months' time!
oopshahah
18 months time
I math for a living, promise...
£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
I'm crashing two threads and this will be my joint account. I like my personal one since it's easier to motivate myself then my wife, but it still nice seeing the change in combined NW/Investments which is what matters.2/23/018: $87.5k Investments/$88.3k Net Worth
29dh/29dw
Combined 120k income
Midwest City
09/01/2017: $65k Investments/$59k Net Worth
10/01/2017: $68.3k Investments/$65.6k Net Worth
10/27/2017: $72k Investments/$70.5k Net Worth
12/4/2017: $76.5k Investments/$81.9k Net Worth
12/29/2017: $79.1k Investments/$84.8k Net Worth
1/26/2018: $87.k Investments/$84.1k Net Worth (Down due to property taxes and change in Zillow for house
Original Goal: graduate this thread by March with NW.
Background:Current Beginning March 2018: $16.0K - Investments ~$44.2k.
Age: 29
"Switched" Careers at 25.
Started taking personal finances 'seriously' around 27 (aka actually saving money, 401k, etc).
Started taking personal finances seriously around 29
Salary gradually up to65k, 68k as of End of 2017, 75k at beginning of CY18
Married but don't include house (equity/mortgage) or joint savings in these calculations since she's the boss, it gets messy with house equity/sweat equity ($40k total on a $170k house in May 17), and it will just be cherry on the top.
-Paid off car but not adding value of that in the calculation since its not worth more than a few Gs and requires maintenance
-4.5 years left of student loan payments I'm aggressively paying off/refinanced in January '17
-15 year mortgage in May '17
-Not including 529 accounts-Only a few hundred now, but it will be going to Godchildren/my future children so not my money in my eyes.
January 2016-
($45k) Student Debt
($2k) Personal CC Debt
$8k 401k
NW: ($38k)
NW April 2016: ($34K)
July 2016: ($28.4k)
October 2016: ($22.6k)
January 2017: ($20.8k) (Refinanced loan and intransit payments not reflected)
April 2017: ($10.9k)
July 2017: ($5.7k)
August 2017: ($2.5k)
September 2017:(~$1.7k)
October 2017: $1.8k - $32k
November 2017: $4.5K - Investments ~$33.8k.
December 2017: $7.9K - Investments ~$37.8k.
January 2017: $11.4K - Investments ~$39.6k.
February 2018: $14.3K - Investments ~$43.9k.
Goal: 50k at end of year.
Hoping to increase 401k/IRA when the Sloans are paid off and hopefully some more salary. Realistic goal is to retire by 55 unless I really climb the corporate ladder.
I was reading some of the other "Race from" threads and decided that although I don't count true NW it would be nice to look back and see it so I figured I would add it! I am staying in this thread because the "Invested Total" is the column that I am tracking.Code: [Select]401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
Jan-18 $101,379 $1,212 $102,591 $240,000 $135,000 $316,332 $161,258
I am calling JAN 2018 as the official graduation from this race!!
New job started on Monday, new race officially starts today!
I might have called it a little early, based on the market over the last couple days. Guess we will see what the end of the month looks like.
401K IRA Invested Total Home Value Rental Value Debt Total NW
Dec-13 $43,660 $0 $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0 $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0 $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
Jan-18 $101,379 $1,212 $102,591 $240,000 $135,000 $316,332 $161,258
Feb-18 $99,073 $4,309 $103,383 $240,000 $135,000 $315,000 $163,382
Oct 2017 EUR 13400,-
Nov 2017 EUR 13900,- (+500)
Dec 2017 EUR 14300,- (+400)
Jan 2018 EUR 16000,- (+1700)
Big jump this month thanks to getting reimbursed for uni stuff and some crazy market days early January.
6/1/2017 $44,1193/1/2018 $83,679.47 (stretch goal of June for graduation - fingers crossed)
7/1/2017 $46,553
8/1/2017 $48,477
9/1/2017 $51,618
10/1/2017 $55,740
11/1/2017 $60,079 (will slow down through EOY as 401K is now maxed)
12/1/2017 $62,686.85
1/1/2018 $67,210.81 (excited to start 401K contributions back up)
2/1/2018 $76,267.84
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
Nov 2017 65.000
Dez 2017 69.000 a frugal month and a christmas paycheck !
Jan 2018 73100
Feb 2018 74100
Next Milestone 100.000 in 02 2019
I have cleaned\fixed the spreadsheet, so new entries please
End of month NW: 56,190.70One month into 2018 and the new NW is 51,349 (with some help from the market) with an end of year projection now of $101,092. Woo hoo! I would still like to come up with another few thousand to play it safe as there will certainly be expenses come up that I don't really budget for such as medical/dental, car maintenance, registration renewals, etc.I am in! The goal is to get to 100k net worth by the end of 2018. Currently at ~21k. I have been pretty good at my goals so far. Starting out after college in Dec. 2013, I believe I had about a negative net worth of 65k. My first financial goal was to get a net worth of zero by the time I received my tax refund this year and I hit it at the end of January. My second goal was to have my private student loan (6.6%) paid off by the end of July. I made it at the end of June. Next I am hoping to have the car paid off by the end of the year. Currently have a 10k balance left on that loan.
My soft goal for the end of 2017 is 35k in net worth, only because I think I'll need it to be close to that to meet the 100k goal at the end of 2018. I have not done any hard calcs at this point, but in the mean time, I should be getting annual raises of approx. 5k beginning 11/1 for 2017 and 2018. I will also be maxing out my 401k in 2018 and hopefully the ROTH IRA as well.
So I am currently at ~30,900 net worth. I've been averaging about a 2k increase per month and I've got an extra paycheck coming in for December as there will be 3 pay periods. I should be between 37-38k net worth by the end of the year. I've got a raise coming effective 11/1, but I have not been communicated the amount yet.
I've cut almost 3k in annual expenses in the past few months. Moved to a nicer, more convenient, and cheaper apartment (farther away from city center, which I don't need anymore) that will save me $87 a month. In moving there and an acquisition by my firm, I will be driving approximately 10 miles round trip a day rather than 60. Rough estimates have that at about $100 a month in gas savings. My firm is also adding a HDHP plan, which I do not know the exact details yet, but I'm guessing this will be about 1/2 the cost of the low deductible plan (estimated savings of 50/month).
I have not ran the hard numbers yet as exact figures aren't determined, but my goal of 100k NW by the end of 2018 is going to come really close. I'd guess I'm looking at being more towards 10-15k short without any gains/raise coming next year/potential promotion. Here is a question for my fellow cohorts - I have about a 5k vested pension at my previous employer. I'm going to check to see if there is any way I can roll that over into a 401k/IRA this coming week. Either way, would you include that in your net worth calc? I'm younger so pensions are not a familiar topic for me. I've read being vested means that its guaranteed to me no matter what, but I've heard of plenty of people losing their pensions (albeit not knowing specific circumstances).
Now that year end is basically here I took some time to run my numbers.
Current NW: 46,289.93
2018:
Student loan payments decreasing principal: 1,933.56
ROTH IRA Contribution on 1/1 (with 7% return estimated: 5,885
401k Contributions (with estimated DCA of 3.5% return): 19,147.50
Deferred 2017 401k employer match: 458
401k employer match (with estimated DCA of 3.5% return): 2,000
2017 tax refund estimate (with 1% Ally interest): 2,020
Addition to savings (for house downpayment):18,379.42
Estimated previous employer retirement plan increase: 500
Estimated increase in paychecks due to lower w/h from tax reform: 1,500.
Estimated increase to 2017 YE 401k balance (assuming 7%): 1273.09
Estimated increase to 2017 YE Roth balance (assuming 7%): 424.41
12/31 2018 NW estimate: $99,780.91. So it's going to be VERY close. There will certainly be some unexpected costs that creep up such as smaller medical/dental costs, registrations, licenses, car maintenance/repairs, etc. Getting there is going to heavily count on the stock market getting at least average returns. I'm working hard towards a promotion that would go into effect 11/1/18, which would hopefully net me about another 1k before 2018 YE. I also have multiple ways to get bonuses at work, albeit normally in smaller increments. I believe I already have close to 1k gross coming my way. Let's get it!
November 2017 - $10,267
December 2017 - $11,208
January 2018 - $10,713
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
I'm looking forward to following everyone's progress. Good luck to us all!
Missed a month, but my net worth as of Nov 30th is $18,617.
As the year comes to a close, my next worth is up to $23,350.
Just updated my spreadsheet to record my paycheck. January ends with my networth up to $27,921.
The median change from the spreadsheet for the month of February is 7.52%, so quite good regarding the stock downturn, congrats to all.that is cool. thanks for tracking.
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit?pref=2&pli=1#gid=0
Bye! See you in the next thread!
CONGRATS @grantmeaname & @MrUpwardlyMobile ..inspiring!. Thank you!
CONGRATS @grantmeaname & @MrUpwardlyMobile ..inspiring!I’m not leaving! Still another 40k to go! Just saying bye to MrUpwardlyMobile...
CONGRATS @grantmeaname & @MrUpwardlyMobile ..inspiring!Im not leaving! Still another 40k to go! Just saying bye to MrUpwardlyMobile...
I haven't really been updating consistently, but I'm getting super close. Mint says 97,457. I have been slacking a little on getting new clients for my business, so this month probably wont happen, but I've got new ones lined up already, so fingers crossed on graduating next month!. You can do it!!!
First MMM Forum Post! Found MMM in late December 2017. Made immediate changes. Been reading the forum for awhile now...
Investments + 403b/401k:
12/2017: $38,165 (previously sitting and earning a measly 1.35% in savings) (Before investing/pre-MMM)
01/2018: $39,072
02/2018: $47,432
03/2018: $53,824 (as of 3/12)
My spreadsheet indicates that I will reach $100k by 1/1/2019
The median change in our spreadsheet for the month of March was +8,62%, despite the downturn. Excellent work everybody (except me..hahah)
Twice the encouragement! Hell yes it's okay!
I admire your big stack of quids and hope to join you up at that altitude someday.
The median change in our spreadsheet for the month of March was +8,62%, despite the downturn. Excellent work everybody (except me..hahah)
Thanks for sharing this repman, it's very cool. Also, congrats to MrUpwardlyMobile on hitting 100k!
Aug 15: 5327 (found MMM)Mar 18: 75981
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
Mar 17: 43989
Apr 17: 45143
May 17: 46766
Jun 17: 49646
Jul 17: 52567
Aug 17: 54267
Sep 17: 54565
Oct 17: 68832
Nov 17: 70574
Dec 17: 72864
Jan 18: 73227
Feb 18: 74628
Hey
I would like to join. How does the tracking work? Should I write my NW into the sheets file myself or should I leave a reply here?
Hi everyone! First post in this thread and Im kind of amazed Im even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, Im looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So Ill aim for 100k in 24 months as a stretch goal!
3/15/2018: $12,926.94
Hi everyone! First post in this thread and Im kind of amazed Im even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, Im looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So Ill aim for 100k in 24 months as a stretch goal!
3/15/2018: $12,926.94
Jan 18:
SIPP (Self Invested Personal Pension, Mr and Mrs)= £23,150
Emergency Fund (Cash) = £16,500
Total = £39,650
£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
£55,765 Feb '18
Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.Welcome to the club!
I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.
Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)
I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!
Oct 2017 EUR 13400,-
Nov 2017 EUR 13900,- (+500)
Dec 2017 EUR 14300,- (+400)
Jan 2018 EUR 16000,- (+1700)
Feb 2018 EUR 17050,- (+1050)
Bad month due to market dip + a 400 holiday to Italy.
Edited; I just realized I forgot a 1000 that I have invested elsewhere. So that's actually an AMAZING month, not even close to bad. I don't even understand how that's possible.
So happy to post this!
Jul 17 $67,374.44
Aug 17 $69,968.83
Sept 17 $73,228.83
Oct 17 $78,704.67
Nov 17 $80,862.22
Dec 17 $87,716.75
Jan 18 $92,747.41
Feb 18 $98,493.89
Mar 18 $104,485.65
Made it!!! Moving up to another race!
November 2017 - $10,267
December 2017 - $11,208
January 2018 - $10,713
February 2018 - $11,869
So happy to post this!
Jul 17 $67,374.44
Aug 17 $69,968.83
Sept 17 $73,228.83
Oct 17 $78,704.67
Nov 17 $80,862.22
Dec 17 $87,716.75
Jan 18 $92,747.41
Feb 18 $98,493.89
Mar 18 $104,485.65
Made it!!! Moving up to another race!
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
End of March NW: 60,017.55End of month NW: 56,190.70One month into 2018 and the new NW is 51,349 (with some help from the market) with an end of year projection now of $101,092. Woo hoo! I would still like to come up with another few thousand to play it safe as there will certainly be expenses come up that I don't really budget for such as medical/dental, car maintenance, registration renewals, etc.I am in! The goal is to get to 100k net worth by the end of 2018. Currently at ~21k. I have been pretty good at my goals so far. Starting out after college in Dec. 2013, I believe I had about a negative net worth of 65k. My first financial goal was to get a net worth of zero by the time I received my tax refund this year and I hit it at the end of January. My second goal was to have my private student loan (6.6%) paid off by the end of July. I made it at the end of June. Next I am hoping to have the car paid off by the end of the year. Currently have a 10k balance left on that loan.
My soft goal for the end of 2017 is 35k in net worth, only because I think I'll need it to be close to that to meet the 100k goal at the end of 2018. I have not done any hard calcs at this point, but in the mean time, I should be getting annual raises of approx. 5k beginning 11/1 for 2017 and 2018. I will also be maxing out my 401k in 2018 and hopefully the ROTH IRA as well.
So I am currently at ~30,900 net worth. I've been averaging about a 2k increase per month and I've got an extra paycheck coming in for December as there will be 3 pay periods. I should be between 37-38k net worth by the end of the year. I've got a raise coming effective 11/1, but I have not been communicated the amount yet.
I've cut almost 3k in annual expenses in the past few months. Moved to a nicer, more convenient, and cheaper apartment (farther away from city center, which I don't need anymore) that will save me $87 a month. In moving there and an acquisition by my firm, I will be driving approximately 10 miles round trip a day rather than 60. Rough estimates have that at about $100 a month in gas savings. My firm is also adding a HDHP plan, which I do not know the exact details yet, but I'm guessing this will be about 1/2 the cost of the low deductible plan (estimated savings of 50/month).
I have not ran the hard numbers yet as exact figures aren't determined, but my goal of 100k NW by the end of 2018 is going to come really close. I'd guess I'm looking at being more towards 10-15k short without any gains/raise coming next year/potential promotion. Here is a question for my fellow cohorts - I have about a 5k vested pension at my previous employer. I'm going to check to see if there is any way I can roll that over into a 401k/IRA this coming week. Either way, would you include that in your net worth calc? I'm younger so pensions are not a familiar topic for me. I've read being vested means that its guaranteed to me no matter what, but I've heard of plenty of people losing their pensions (albeit not knowing specific circumstances).
Now that year end is basically here I took some time to run my numbers.
Current NW: 46,289.93
2018:
Student loan payments decreasing principal: 1,933.56
ROTH IRA Contribution on 1/1 (with 7% return estimated: 5,885
401k Contributions (with estimated DCA of 3.5% return): 19,147.50
Deferred 2017 401k employer match: 458
401k employer match (with estimated DCA of 3.5% return): 2,000
2017 tax refund estimate (with 1% Ally interest): 2,020
Addition to savings (for house downpayment):18,379.42
Estimated previous employer retirement plan increase: 500
Estimated increase in paychecks due to lower w/h from tax reform: 1,500.
Estimated increase to 2017 YE 401k balance (assuming 7%): 1273.09
Estimated increase to 2017 YE Roth balance (assuming 7%): 424.41
12/31 2018 NW estimate: $99,780.91. So it's going to be VERY close. There will certainly be some unexpected costs that creep up such as smaller medical/dental costs, registrations, licenses, car maintenance/repairs, etc. Getting there is going to heavily count on the stock market getting at least average returns. I'm working hard towards a promotion that would go into effect 11/1/18, which would hopefully net me about another 1k before 2018 YE. I also have multiple ways to get bonuses at work, albeit normally in smaller increments. I believe I already have close to 1k gross coming my way. Let's get it!
End of year projection: 98,691.13
Had quite a few things going on this month...ended a relationship of 3 years, girlfriend moved out. Rent went up $350 a month as a result.
Bought some furniture off of ex that she owned.
Had to purchase some necessities for the apartment to make up for what ex took.
Stock market...bleh.
Bogus Uber charge of $234 that I'm still fighting.
I'm still feeling good about meeting my goal as I should have at least ~4k of extra income coming my way from various sources. Also going to concentrate on being more frugal than normal this month to help catch up. Shouldn't be too hard as I'm going to be spending a lot of time at work anyways (tax season).
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
I'm looking forward to following everyone's progress. Good luck to us all!
Missed a month, but my net worth as of Nov 30th is $18,617.
As the year comes to a close, my next worth is up to $23,350.
Just updated my spreadsheet to record my paycheck. January ends with my networth up to $27,921.
With February officially in the books my net worth is sitting at $30,289.72. A pretty weak month compared to previous. Market losses along with some medical bills are the primary culprits.
Hi everyone! First post in this thread and Im kind of amazed Im even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, Im looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So Ill aim for 100k in 24 months as a stretch goal!3/31/2018: $12,989.49 -- I managed to keep a positive net worth even with a pretty spendy vacation this month, so I'm happy about that!
(https://uploads.tapatalk-cdn.com/20180315/358196f33f621eb95ecb2b245e83d81d.jpg)
3/15/2018: $12,926.94
05/17 £102003/18 £48,800 (+£23,300 ~ +91% )
06/17 £470 (-£550 ~ -50%)
07/17 £1,590 (+£1,120 ~ +340%)
08/17 £2,080 (+£490 ~ +30%)
09/17 £7,250 (+£5,170 ~ +350%)
10/17 £12,000 (+£4,750 ~ +65%)
11/17 £12,360 (+£360 ~ +3%)
12/17 £10,800 (-£1,560 ~ -17%)
01/18 £21,300 (+£10,500 ~ +97%)
02/18 £25,500 (+£4,200 ~ +20%)
6/1/2017 $44,1194/1/2018 $84,367.47 (market hurt me this month - June is probably not going to happen now, oh well)
7/1/2017 $46,553
8/1/2017 $48,477
9/1/2017 $51,618
10/1/2017 $55,740
11/1/2017 $60,079 (will slow down through EOY as 401K is now maxed)
12/1/2017 $62,686.85
1/1/2018 $67,210.81 (excited to start 401K contributions back up)
2/1/2018 $76,267.84
3/1/2018 $83,679.47 (stretch goal of June for graduation - fingers crossed)
Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.
I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.
Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)
I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!
Just graduated from the previous thread! Like a few others on here our NW seems to climb around 2-2.5k per month, so it'll be nice to have others in a similar situation. We don't own our primary residence and are only using the equity from our rental property and our liquid investments for our NW calculations.4/2/18: $12,849.33 not great improvement this time. bought plane tickets, vehicle registration, etc and dipping markets.
3/15/18: $12,315.65
I'm crashing two threads and this will be my joint account. I like my personal one since it's easier to motivate myself then my wife, but it still nice seeing the change in combined NW/Investments which is what matters.4/2/2018: $87.5k Investments/$95.3k Net Worth (Up due to Tax return)
29dh/29dw
Combined 120k income
Midwest City
09/01/2017: $65k Investments/$59k Net Worth
10/01/2017: $68.3k Investments/$65.6k Net Worth
10/27/2017: $72k Investments/$70.5k Net Worth
12/4/2017: $76.5k Investments/$81.9k Net Worth
12/29/2017: $79.1k Investments/$84.8k Net Worth
1/26/2018: $87.k Investments/$84.1k Net Worth (Down due to property taxes and change in Zillow for house
2/23/2018: $87.5k Investments/$88.3k NW
Original Goal: graduate this thread by March with NW.
Hopefully this moves to the next thread in May.
Background:Current Beginning March 2018: $17.1K - Investments ~$45.2k.
Age: 29
"Switched" Careers at 25.
Started taking personal finances 'seriously' around 27 (aka actually saving money, 401k, etc).
Started taking personal finances seriously around 29
Salary gradually up to65k, 68k as of End of 2017, 75k at beginning of CY18
Married but don't include house (equity/mortgage) or joint savings in these calculations since she's the boss, it gets messy with house equity/sweat equity ($40k total on a $170k house in May 17), and it will just be cherry on the top.
-Paid off car but not adding value of that in the calculation since its not worth more than a few Gs and requires maintenance
-4.5 years left of student loan payments I'm aggressively paying off/refinanced in January '17
-15 year mortgage in May '17
-Not including 529 accounts-Only a few hundred now, but it will be going to Godchildren/my future children so not my money in my eyes.
January 2016-
($45k) Student Debt
($2k) Personal CC Debt
$8k 401k
NW: ($38k)
NW April 2016: ($34K)
July 2016: ($28.4k)
October 2016: ($22.6k)
January 2017: ($20.8k) (Refinanced loan and intransit payments not reflected)
April 2017: ($10.9k)
July 2017: ($5.7k)
August 2017: ($2.5k)
September 2017:(~$1.7k)
October 2017: $1.8k - $32k
November 2017: $4.5K - Investments ~$33.8k.
December 2017: $7.9K - Investments ~$37.8k.
January 2017: $11.4K - Investments ~$39.6k.
February 2018: $14.3K - Investments ~$43.9k.
March 2018: $16k - Investments ~$44.2k
Goal: 50k at end of year.
Hoping to increase 401k/IRA when the Sloans are paid off and hopefully some more salary. Realistic goal is to retire by 55 unless I really climb the corporate ladder.
01/17 - 9,926
02/17 - 15,869
03/17 - 21,618
04/17 - 22,738
05/17 - 29,255
06/17 - 30,880
07/17 - 40,255
08/17 - 44,722
09/17 - 48,025
10/17 - 62,340
11/17 - 67,770
12/17 - 83,785
01/18 - 87,942
02/18 - 95,169
03/18 - 97,342
04/18 - 100,214
Barely crossed 100k. Might be back after this month...but hopefully you guys won't be seeing me again in this thread :)
Hey guys,Those are some impressive numbers for such a short amount of time! Welcome and congrats!
First post. 31 years old, married with 3 young kids, single income (military family). Had ~$150k combined student debt out of college, which took a few years to pay down. Found MMM and got serious about finances in January 2018.
Net worth (includes emergency fund, misc. cash, retirement accounts, and other investments):
1/1/2018: $38,800
2/1/2018: $49,800 (used tax refund to pay off family car - now debt free)
3/1/2018: $55,707
4/1/2018 : $64,352 (sold second car)
We are hoping to get to $100k by the end of this year, but we are moving to a new state in a few weeks, so we may have a couple expensive months getting set up. Our spreadsheet indicates that we don't have a lot of wiggle room if we want to achieve this goal by then (unless we get some help from the stock market).
Glad to be doing this with all of you!
Hey guys,Those are some impressive numbers for such a short amount of time! Welcome and congrats!
First post. 31 years old, married with 3 young kids, single income (military family). Had ~$150k combined student debt out of college, which took a few years to pay down. Found MMM and got serious about finances in January 2018.
Net worth (includes emergency fund, misc. cash, retirement accounts, and other investments):
1/1/2018: $38,800
2/1/2018: $49,800 (used tax refund to pay off family car - now debt free)
3/1/2018: $55,707
4/1/2018 : $64,352 (sold second car)
We are hoping to get to $100k by the end of this year, but we are moving to a new state in a few weeks, so we may have a couple expensive months getting set up. Our spreadsheet indicates that we don't have a lot of wiggle room if we want to achieve this goal by then (unless we get some help from the stock market).
Glad to be doing this with all of you!
Hey guys,
First post. 31 years old, married with 3 young kids, single income (military family). Had ~$150k combined student debt out of college, which took a few years to pay down. Found MMM and got serious about finances in January 2018.
Net worth (includes emergency fund, misc. cash, retirement accounts, and other investments):
1/1/2018: $38,800
2/1/2018: $49,800 (used tax refund to pay off family car - now debt free)
3/1/2018: $55,707
4/1/2018 : $64,352 (sold second car)
We are hoping to get to $100k by the end of this year, but we are moving to a new state in a few weeks, so we may have a couple expensive months getting set up. Our spreadsheet indicates that we don't have a lot of wiggle room if we want to achieve this goal by then (unless we get some help from the stock market).
Glad to be doing this with all of you!
Hey guys,
First post. 31 years old, married with 3 young kids, single income (military family). Had ~$150k combined student debt out of college, which took a few years to pay down. Found MMM and got serious about finances in January 2018.
Net worth (includes emergency fund, misc. cash, retirement accounts, and other investments):
1/1/2018: $38,800
2/1/2018: $49,800 (used tax refund to pay off family car - now debt free)
3/1/2018: $55,707
4/1/2018 : $64,352 (sold second car)
We are hoping to get to $100k by the end of this year, but we are moving to a new state in a few weeks, so we may have a couple expensive months getting set up. Our spreadsheet indicates that we don't have a lot of wiggle room if we want to achieve this goal by then (unless we get some help from the stock market).
Glad to be doing this with all of you!
This is really awesome! How are you adjusting to be a one-car family? It takes guts to downsize like that. Congrats!
4/13/2018: $16,254.32. -- Big jump in net worth this month despite having some huge setbacks. The increased income this month was from cashing out Amex points to IRA + employer 401(k) match for last year hitting my account. I would have gotten them anyway, but am just grateful that my net worth still jumped despite the horrible start to this month finding out my SO of 4 years was cheating and having to move on zero notice and furnish an apartment from scratch.Hi everyone! First post in this thread and Im kind of amazed Im even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, Im looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So Ill aim for 100k in 24 months as a stretch goal!3/31/2018: $12,989.49
(https://uploads.tapatalk-cdn.com/20180315/358196f33f621eb95ecb2b245e83d81d.jpg)
3/15/2018: $12,926.94
4/13/18: $14,324.67Just graduated from the previous thread! Like a few others on here our NW seems to climb around 2-2.5k per month, so it'll be nice to have others in a similar situation. We don't own our primary residence and are only using the equity from our rental property and our liquid investments for our NW calculations.4/2/18: $12,849.33 not great improvement this time. bought plane tickets, vehicle registration, etc and dipping markets.
3/15/18: $12,315.65
Oh lexde that's awful! I'm glad you had the financial stability to handle it in the best way for you - but still sorry to hear it.
Hey all! I'm in!
<snip>
4/30/2018: $17,831.70 — rolling with the punches and still coming out ahead. I’m scared to tally up what the move cost me, but I’m glad I cashed out my Amex points to pad my IRA and net worth for this month.4/13/2018: $16,254.32Hi everyone! First post in this thread and I’m kind of amazed I’m even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, I’m looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So I’ll aim for 100k in 24 months as a stretch goal!3/31/2018: $12,989.49
(https://uploads.tapatalk-cdn.com/20180315/358196f33f621eb95ecb2b245e83d81d.jpg)
3/15/2018: $12,926.94
November 2017 - $10,267
December 2017 - $11,208
January 2018 - $10,713
February 2018 - $11,869
March 2018 - $14,175
6/1/2017 $44,1195/1/2018 $95,369.27 (profit-share 401k contribution finally hit - brought me back on target for june graduation)
7/1/2017 $46,553
8/1/2017 $48,477
9/1/2017 $51,618
10/1/2017 $55,740
11/1/2017 $60,079 (will slow down through EOY as 401K is now maxed)
12/1/2017 $62,686.85
1/1/2018 $67,210.81 (excited to start 401K contributions back up)
2/1/2018 $76,267.84
3/1/2018 $83,679.47 (stretch goal of June for graduation - fingers crossed)
4/1/2018 $84,367.47 (market hurt me this month - June is probably not going to happen now, oh well)
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
End of March NW: 60,017.55End of month NW: 56,190.70One month into 2018 and the new NW is 51,349 (with some help from the market) with an end of year projection now of $101,092. Woo hoo! I would still like to come up with another few thousand to play it safe as there will certainly be expenses come up that I don't really budget for such as medical/dental, car maintenance, registration renewals, etc.I am in! The goal is to get to 100k net worth by the end of 2018. Currently at ~21k. I have been pretty good at my goals so far. Starting out after college in Dec. 2013, I believe I had about a negative net worth of 65k. My first financial goal was to get a net worth of zero by the time I received my tax refund this year and I hit it at the end of January. My second goal was to have my private student loan (6.6%) paid off by the end of July. I made it at the end of June. Next I am hoping to have the car paid off by the end of the year. Currently have a 10k balance left on that loan.
My soft goal for the end of 2017 is 35k in net worth, only because I think I'll need it to be close to that to meet the 100k goal at the end of 2018. I have not done any hard calcs at this point, but in the mean time, I should be getting annual raises of approx. 5k beginning 11/1 for 2017 and 2018. I will also be maxing out my 401k in 2018 and hopefully the ROTH IRA as well.
So I am currently at ~30,900 net worth. I've been averaging about a 2k increase per month and I've got an extra paycheck coming in for December as there will be 3 pay periods. I should be between 37-38k net worth by the end of the year. I've got a raise coming effective 11/1, but I have not been communicated the amount yet.
I've cut almost 3k in annual expenses in the past few months. Moved to a nicer, more convenient, and cheaper apartment (farther away from city center, which I don't need anymore) that will save me $87 a month. In moving there and an acquisition by my firm, I will be driving approximately 10 miles round trip a day rather than 60. Rough estimates have that at about $100 a month in gas savings. My firm is also adding a HDHP plan, which I do not know the exact details yet, but I'm guessing this will be about 1/2 the cost of the low deductible plan (estimated savings of 50/month).
I have not ran the hard numbers yet as exact figures aren't determined, but my goal of 100k NW by the end of 2018 is going to come really close. I'd guess I'm looking at being more towards 10-15k short without any gains/raise coming next year/potential promotion. Here is a question for my fellow cohorts - I have about a 5k vested pension at my previous employer. I'm going to check to see if there is any way I can roll that over into a 401k/IRA this coming week. Either way, would you include that in your net worth calc? I'm younger so pensions are not a familiar topic for me. I've read being vested means that its guaranteed to me no matter what, but I've heard of plenty of people losing their pensions (albeit not knowing specific circumstances).
Now that year end is basically here I took some time to run my numbers.
Current NW: 46,289.93
2018:
Student loan payments decreasing principal: 1,933.56
ROTH IRA Contribution on 1/1 (with 7% return estimated: 5,885
401k Contributions (with estimated DCA of 3.5% return): 19,147.50
Deferred 2017 401k employer match: 458
401k employer match (with estimated DCA of 3.5% return): 2,000
2017 tax refund estimate (with 1% Ally interest): 2,020
Addition to savings (for house downpayment):18,379.42
Estimated previous employer retirement plan increase: 500
Estimated increase in paychecks due to lower w/h from tax reform: 1,500.
Estimated increase to 2017 YE 401k balance (assuming 7%): 1273.09
Estimated increase to 2017 YE Roth balance (assuming 7%): 424.41
12/31 2018 NW estimate: $99,780.91. So it's going to be VERY close. There will certainly be some unexpected costs that creep up such as smaller medical/dental costs, registrations, licenses, car maintenance/repairs, etc. Getting there is going to heavily count on the stock market getting at least average returns. I'm working hard towards a promotion that would go into effect 11/1/18, which would hopefully net me about another 1k before 2018 YE. I also have multiple ways to get bonuses at work, albeit normally in smaller increments. I believe I already have close to 1k gross coming my way. Let's get it!
End of year projection: 98,691.13
Had quite a few things going on this month...ended a relationship of 3 years, girlfriend moved out. Rent went up $350 a month as a result.
Bought some furniture off of ex that she owned.
Had to purchase some necessities for the apartment to make up for what ex took.
Stock market...bleh.
Bogus Uber charge of $234 that I'm still fighting.
I'm still feeling good about meeting my goal as I should have at least ~4k of extra income coming my way from various sources. Also going to concentrate on being more frugal than normal this month to help catch up. Shouldn't be too hard as I'm going to be spending a lot of time at work anyways (tax season).
End of 2018 projection: 98,683.37
The good - decided to take some of my house down payment savings and use it for some bank account churning (+650). Got project sale bonuses approved (+ approx 1500). Kept discretionary everyday spending down by about $300 from average.
The bad - realized I didn't remove my tax refund from my projection last month, so it was overstated by approx. 2,400. Then of course the stock market didn't really cooperate this month either. I believe I basically contributed 1,400 to 401k this month and the end of month balance is basically only 700 higher than the beg. of month balance.
05/17 £102004/18 £50,616 (+£1,816 ~ +4% )
06/17 £470 (-£550 ~ -50%)
07/17 £1,590 (+£1,120 ~ +340%)
08/17 £2,080 (+£490 ~ +30%)
09/17 £7,250 (+£5,170 ~ +350%)
10/17 £12,000 (+£4,750 ~ +65%)
11/17 £12,360 (+£360 ~ +3%)
12/17 £10,800 (-£1,560 ~ -17%)
01/18 £21,300 (+£10,500 ~ +97%)
02/18 £25,500 (+£4,200 ~ +20%)
03/18 £48,800 (+£23,300 ~ +91%)
Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.
I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.
Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)
I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
I'm looking forward to following everyone's progress. Good luck to us all!
Missed a month, but my net worth as of Nov 30th is $18,617.
As the year comes to a close, my next worth is up to $23,350.
Just updated my spreadsheet to record my paycheck. January ends with my networth up to $27,921.
With February officially in the books my net worth is sitting at $30,289.72. A pretty weak month compared to previous. Market losses along with some medical bills are the primary culprits.
Medical bills made March my least productive month in quite awhile, with only an increase of $1,438, leaving the ending balance at $31,728. My employer's quarterly HSA match came in. which represents almost half of the month's gain. My wife and I are expecting our first child in June, so I anticipate similar performance over the next few months... On a positive note, we've met our insurance deductible for the year, so the upcoming bills will be significantly less than they would have been otherwise.
Congrats on the birth of your daughter @Jim Fiction ! Though it sounds like it was a bit bumpy, here's hoping that everything turns out ok.
Congrats on the birth of your daughter @Jim Fiction ! Though it sounds like it was a bit bumpy, here's hoping that everything turns out ok.
Thanks Trifele! So far so good. Baby is growing and making progress daily. There is still a long road ahead, but everyone on her medical team is very happy with how well she is doing.
This is just my retirement investments and doesn't include emergency funds. Nor does this include my husbands savings. :)
November 17- 41195
December 17- 42526
January 18- 47966
February 18-47104
May 18 - 48521
I am a bank teller so my salary is pretty small. But I'm pretty impressed that I added 7000 dollars worth of investments in the last 7 months. It's a win for me!
1/2017 - 34,633
2/2017 - 40,740
3/2017 - 41,346
5/2017 - 41,840
6/2017 - 45,227
7/2017 - 45,862
8/2017 - 47,377
9/2017 - 47,669
10/2017 - 50,397
11/2017 - 52,228
12/2017 - Missed this month. I blame our newborn!
1/2018 - 56,928
2/2018 - 56,241
3/2018 - 57,176
4/2018 - 60,386
5/2018 - 66,682
I'm crashing two threads and this will be my joint account. I like my personal one since it's easier to motivate myself then my wife, but it still nice seeing the change in combined NW/Investments which is what matters.5/6/2018: $92.1k Investments/$101.1k NW
29dh/29dw
Combined 120k income
Midwest City
09/01/2017: $65k Investments/$59k Net Worth
10/01/2017: $68.3k Investments/$65.6k Net Worth
10/27/2017: $72k Investments/$70.5k Net Worth
12/4/2017: $76.5k Investments/$81.9k Net Worth
12/29/2017: $79.1k Investments/$84.8k Net Worth
1/26/2018: $87.k Investments/$84.1k Net Worth (Down due to property taxes and change in Zillow for house
2/23/2018: $87.5k Investments/$88.3k NW
Original Goal: graduate this thread by March with NW.
4/2/2018: $87.5k Investments/$95.3k Net Worth (Up due to Tax return)
Beginning May 2018: $19.8k - Investments ~$47k
Background:
Age: 29
"Switched" Careers at 25.
Started taking personal finances 'seriously' around 27 (aka actually saving money, 401k, etc).
Started taking personal finances seriously around 29
Salary gradually up to65k, 68k as of End of 2017, 75k at beginning of CY18
Married but don't include house (equity/mortgage) or joint savings in these calculations since she's the boss, it gets messy with house equity/sweat equity ($40k total on a $170k house in May 17), and it will just be cherry on the top.
-Paid off car but not adding value of that in the calculation since its not worth more than a few Gs and requires maintenance
-4.5 years left of student loan payments I'm aggressively paying off/refinanced in January '17
-15 year mortgage in May '17
-Not including 529 accounts-Only a few hundred now, but it will be going to Godchildren/my future children so not my money in my eyes.
January 2016-
($45k) Student Debt
($2k) Personal CC Debt
$8k 401k
NW: ($38k)
NW April 2016: ($34K)
July 2016: ($28.4k)
October 2016: ($22.6k)
January 2017: ($20.8k) (Refinanced loan and intransit payments not reflected)
April 2017: ($10.9k)
July 2017: ($5.7k)
August 2017: ($2.5k)
September 2017:(~$1.7k)
October 2017: $1.8k - $32k
November 2017: $4.5K - Investments ~$33.8k.
December 2017: $7.9K - Investments ~$37.8k.
January 2017: $11.4K - Investments ~$39.6k.
February 2018: $14.3K - Investments ~$43.9k.
March 2018: $16k - Investments ~$44.2k
Goal: 50k at end of year.
Hoping to increase 401k/IRA when the Sloans are paid off and hopefully some more salary. Realistic goal is to retire by 55 unless I really climb the corporate ladder.
Beginning April 2018: $17.1K - Investments ~$45.2k.
Congrats on the birth of your daughter @Jim Fiction ! Though it sounds like it was a bit bumpy, here's hoping that everything turns out ok.
Thanks Trifele! So far so good. Baby is growing and making progress daily. There is still a long road ahead, but everyone on her medical team is very happy with how well she is doing.
Awesome news @Jim Fiction-- All the best with your little lady moving ahead!
Hi All!
Just graduated from the race to 10K thread and so setting my sights on the next level.
07.2017 - (£2,877)
08.2017 - (£1,852) = + £1,025
09.2017 - (£650) = + £1,202
10.2017 - £1,238 = + £1,888
11.2017 - £3,066 = + £1,178
12.2017 - £4,360 = + £1,294
01.2018 - £6,895 = + £2,535
02.2018 - £7,943 = + £1,048
03.2018 - £8,754 = + £811
04.2018 - £10,331 = + £1,577
05.2018 - £31,777 = + £21,446
I received an inheritance this month which has boosted my savings significantly.
Assets = £44,149
Student loans = (£12,372)
My goal for reaching £100K is August 2020.
5/15/2018: $18,911.08 - I think I might hit 20K by the end of this month! Super exciting! I made an extra $1K student loan payment this morning to celebrate. :-)4/30/2018: $17,831.704/13/2018: $16,254.32Hi everyone! First post in this thread and Im kind of amazed Im even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, Im looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So Ill aim for 100k in 24 months as a stretch goal!3/31/2018: $12,989.49
[removed NW graph for quoting]
3/15/2018: $12,926.94
March 14 2018 - NW £41703.38
(Includes cash, S&S ISA, LISA, Pension)
Count us in!June 1 2018 - $60,028
Haven't been tracking monthly - but will start now. Hit 0$ NW in Nov. 2017. Year end goal is 100k (with help from DW)! Good luck all!!
May 2018: $55,766
6/1/2017 $44,1195/31/2018 $100,519.07 (in IRA/401K/Taxable accounts....see you all on the other side)
7/1/2017 $46,553
8/1/2017 $48,477
9/1/2017 $51,618
10/1/2017 $55,740
11/1/2017 $60,079 (will slow down through EOY as 401K is now maxed)
12/1/2017 $62,686.85
1/1/2018 $67,210.81 (excited to start 401K contributions back up)
2/1/2018 $76,267.84
3/1/2018 $83,679.47 (stretch goal of June for graduation - fingers crossed)
4/1/2018 $84,367.47 (market hurt me this month - June is probably not going to happen now, oh well)
5/1/2018 $95,369.27 (profit-share 401k contribution finally hit - brought me back on target for june graduation)
5/31/2018: $21,674.06 — hit $20k milestone!5/15/2018: $18,911.084/30/2018: $17,831.704/13/2018: $16,254.32Hi everyone! First post in this thread and I’m kind of amazed I’m even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, I’m looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So I’ll aim for 100k in 24 months as a stretch goal!3/31/2018: $12,989.49
[removed NW graph for quoting]
3/15/2018: $12,926.94
November 2017 - $10,267
December 2017 - $11,208
January 2018 - $10,713
February 2018 - $11,869
March 2018 - $14,175
April 2018 - $14,330
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
6/1/2017 $44,1195/31/2018 $100,519.07 (in IRA/401K/Taxable accounts....see you all on the other side)
7/1/2017 $46,553
8/1/2017 $48,477
9/1/2017 $51,618
10/1/2017 $55,740
11/1/2017 $60,079 (will slow down through EOY as 401K is now maxed)
12/1/2017 $62,686.85
1/1/2018 $67,210.81 (excited to start 401K contributions back up)
2/1/2018 $76,267.84
3/1/2018 $83,679.47 (stretch goal of June for graduation - fingers crossed)
4/1/2018 $84,367.47 (market hurt me this month - June is probably not going to happen now, oh well)
5/1/2018 $95,369.27 (profit-share 401k contribution finally hit - brought me back on target for june graduation)
End of May NW: $73,816.57End of March NW: 60,017.55End of month NW: 56,190.70One month into 2018 and the new NW is 51,349 (with some help from the market) with an end of year projection now of $101,092. Woo hoo! I would still like to come up with another few thousand to play it safe as there will certainly be expenses come up that I don't really budget for such as medical/dental, car maintenance, registration renewals, etc.I am in! The goal is to get to 100k net worth by the end of 2018. Currently at ~21k. I have been pretty good at my goals so far. Starting out after college in Dec. 2013, I believe I had about a negative net worth of 65k. My first financial goal was to get a net worth of zero by the time I received my tax refund this year and I hit it at the end of January. My second goal was to have my private student loan (6.6%) paid off by the end of July. I made it at the end of June. Next I am hoping to have the car paid off by the end of the year. Currently have a 10k balance left on that loan.
My soft goal for the end of 2017 is 35k in net worth, only because I think I'll need it to be close to that to meet the 100k goal at the end of 2018. I have not done any hard calcs at this point, but in the mean time, I should be getting annual raises of approx. 5k beginning 11/1 for 2017 and 2018. I will also be maxing out my 401k in 2018 and hopefully the ROTH IRA as well.
So I am currently at ~30,900 net worth. I've been averaging about a 2k increase per month and I've got an extra paycheck coming in for December as there will be 3 pay periods. I should be between 37-38k net worth by the end of the year. I've got a raise coming effective 11/1, but I have not been communicated the amount yet.
I've cut almost 3k in annual expenses in the past few months. Moved to a nicer, more convenient, and cheaper apartment (farther away from city center, which I don't need anymore) that will save me $87 a month. In moving there and an acquisition by my firm, I will be driving approximately 10 miles round trip a day rather than 60. Rough estimates have that at about $100 a month in gas savings. My firm is also adding a HDHP plan, which I do not know the exact details yet, but I'm guessing this will be about 1/2 the cost of the low deductible plan (estimated savings of 50/month).
I have not ran the hard numbers yet as exact figures aren't determined, but my goal of 100k NW by the end of 2018 is going to come really close. I'd guess I'm looking at being more towards 10-15k short without any gains/raise coming next year/potential promotion. Here is a question for my fellow cohorts - I have about a 5k vested pension at my previous employer. I'm going to check to see if there is any way I can roll that over into a 401k/IRA this coming week. Either way, would you include that in your net worth calc? I'm younger so pensions are not a familiar topic for me. I've read being vested means that its guaranteed to me no matter what, but I've heard of plenty of people losing their pensions (albeit not knowing specific circumstances).
Now that year end is basically here I took some time to run my numbers.
Current NW: 46,289.93
2018:
Student loan payments decreasing principal: 1,933.56
ROTH IRA Contribution on 1/1 (with 7% return estimated: 5,885
401k Contributions (with estimated DCA of 3.5% return): 19,147.50
Deferred 2017 401k employer match: 458
401k employer match (with estimated DCA of 3.5% return): 2,000
2017 tax refund estimate (with 1% Ally interest): 2,020
Addition to savings (for house downpayment):18,379.42
Estimated previous employer retirement plan increase: 500
Estimated increase in paychecks due to lower w/h from tax reform: 1,500.
Estimated increase to 2017 YE 401k balance (assuming 7%): 1273.09
Estimated increase to 2017 YE Roth balance (assuming 7%): 424.41
12/31 2018 NW estimate: $99,780.91. So it's going to be VERY close. There will certainly be some unexpected costs that creep up such as smaller medical/dental costs, registrations, licenses, car maintenance/repairs, etc. Getting there is going to heavily count on the stock market getting at least average returns. I'm working hard towards a promotion that would go into effect 11/1/18, which would hopefully net me about another 1k before 2018 YE. I also have multiple ways to get bonuses at work, albeit normally in smaller increments. I believe I already have close to 1k gross coming my way. Let's get it!
End of year projection: 98,691.13
Had quite a few things going on this month...ended a relationship of 3 years, girlfriend moved out. Rent went up $350 a month as a result.
Bought some furniture off of ex that she owned.
Had to purchase some necessities for the apartment to make up for what ex took.
Stock market...bleh.
Bogus Uber charge of $234 that I'm still fighting.
I'm still feeling good about meeting my goal as I should have at least ~4k of extra income coming my way from various sources. Also going to concentrate on being more frugal than normal this month to help catch up. Shouldn't be too hard as I'm going to be spending a lot of time at work anyways (tax season).
End of 2018 projection: 98,683.37
The good - decided to take some of my house down payment savings and use it for some bank account churning (+650). Got project sale bonuses approved (+ approx 1500). Kept discretionary everyday spending down by about $300 from average.
The bad - realized I didn't remove my tax refund from my projection last month, so it was overstated by approx. 2,400. Then of course the stock market didn't really cooperate this month either. I believe I basically contributed 1,400 to 401k this month and the end of month balance is basically only 700 higher than the beg. of month balance.
End of April NW: 65,600
End of 2018 projection: 99,880 (ugh..so close!)
I spent more then normal this month, but a lot of it was worth it in my mind. Planning vacation, reconnecting with old friends, dating, etc. Made good progress with extra income this month - $1,900 side income and $1,600 work bonus. Also saved $17/month on internet and more than doubled my speed at the same time. Gotta keep hustling..and it would be nice if the stock market would help some.
01/2018: $40796.81Comparison is the thief of joy. :-)
02/2018: $41337.51
03/2018: $42682.42
04/2018: $46138.41
05/2018: $48761.77
06/2018: $51084.06
I know that a lot of people in this thread are gaining NW faster than I am, but I'm feeling pleased with my progress! I've been digging out of a hole and it feels good to be doing so.
Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.
I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.
Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)
I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!
01/2018: $40796.81Comparison is the thief of joy. :-)
02/2018: $41337.51
03/2018: $42682.42
04/2018: $46138.41
05/2018: $48761.77
06/2018: $51084.06
I know that a lot of people in this thread are gaining NW faster than I am, but I'm feeling pleased with my progress! I've been digging out of a hole and it feels good to be doing so.
Congrats on breaking 50k!! Thats super exciting!
05/17 £102005/18 £50,200 (-£416 ~ -1% )
06/17 £470 (-£550 ~ -50%)
07/17 £1,590 (+£1,120 ~ +340%)
08/17 £2,080 (+£490 ~ +30%)
09/17 £7,250 (+£5,170 ~ +350%)
10/17 £12,000 (+£4,750 ~ +65%)
11/17 £12,360 (+£360 ~ +3%)
12/17 £10,800 (-£1,560 ~ -17%)
01/18 £21,300 (+£10,500 ~ +97%)
02/18 £25,500 (+£4,200 ~ +20%)
03/18 £48,800 (+£23,300 ~ +91%)
04/18 £50,616 (+£1,816 ~ +4%)
Beginning June 2018: $23.2k - Investments ~$50.1k
Background:
Age: 29
"Switched" Careers at 25.
Started taking personal finances 'seriously' around 27 (aka actually saving money, 401k, etc).
Started taking personal finances seriously around 29
Salary gradually up to65k, 68k as of End of 2017, 75k at beginning of CY18
Married but don't include house (equity/mortgage) or joint savings in these calculations since she's the boss, it gets messy with house equity/sweat equity ($40k total on a $170k house in May 17), and it will just be cherry on the top.
-Paid off car but not adding value of that in the calculation since its not worth more than a few Gs and requires maintenance
-4.5 years left of student loan payments I'm aggressively paying off/refinanced in January '17
-15 year mortgage in May '17
-Not including 529 accounts-Only a few hundred now, but it will be going to Godchildren/my future children so not my money in my eyes.
January 2016-
($45k) Student Debt
($2k) Personal CC Debt
$8k 401k
NW: ($38k)
NW April 2016: ($34K)
July 2016: ($28.4k)
October 2016: ($22.6k)
January 2017: ($20.8k) (Refinanced loan and intransit payments not reflected)
April 2017: ($10.9k)
July 2017: ($5.7k)
August 2017: ($2.5k)
September 2017:(~$1.7k)
October 2017: $1.8k - $32k
November 2017: $4.5K - Investments ~$33.8k.
December 2017: $7.9K - Investments ~$37.8k.
January 2017: $11.4K - Investments ~$39.6k.
February 2018: $14.3K - Investments ~$43.9k.
March 2018: $16k - Investments ~$44.2k
April 2018: $17.1K - Investments ~$45.2k.
May 2018: $19.8k - Investments ~$47k
Goal: 50k at end of year.
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
I'm looking forward to following everyone's progress. Good luck to us all!
Missed a month, but my net worth as of Nov 30th is $18,617.
As the year comes to a close, my next worth is up to $23,350.
Just updated my spreadsheet to record my paycheck. January ends with my networth up to $27,921.
With February officially in the books my net worth is sitting at $30,289.72. A pretty weak month compared to previous. Market losses along with some medical bills are the primary culprits.
Medical bills made March my least productive month in quite awhile, with only an increase of $1,438, leaving the ending balance at $31,728. My employer's quarterly HSA match came in. which represents almost half of the month's gain. My wife and I are expecting our first child in June, so I anticipate similar performance over the next few months... On a positive note, we've met our insurance deductible for the year, so the upcoming bills will be significantly less than they would have been otherwise.
April ends with my net worth sitting at $32,373.
A slooooow-growth month. The biggest dings were income taxes and a myriad of costs resulting for the early birth of my daughter.
Hoping for May to be more productive. Now that my daughter is here we have settled into a routine. Also, the hospital has been kind enough to provide us with a parking pass for the duration that my daughter will be there (probably until her original due date at the end of June), so that takes care of a fairly significant expense. We won't be eating out much either, as we did a bit the first week or so while we got our legs back underneath us. Not sure when the medical bills will start to hit, though...
6/15/2018: $23,447.78 — got an hours bonus this month which helped a lot. Aiming for another one next month too.5/31/2018: $21,674.065/15/2018: $18,911.084/30/2018: $17,831.704/13/2018: $16,254.32Hi everyone! First post in this thread and I’m kind of amazed I’m even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, I’m looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So I’ll aim for 100k in 24 months as a stretch goal!3/31/2018: $12,989.49
[removed NW graph for quoting]
3/15/2018: $12,926.94
March 14 2018 - NW £41703.38
May 19 2018 - NW £46049.16
March 14 2018 - NW £41703.38
May 19 2018 - NW £46049.16
June 18 2018 - NW £48,056.44.
(Includes cash, S&S ISA, LISA, Pension)
Now for the 15-month long decline - I'm doing a Master's from September 2018 - 2019, and have already left my job. Hoping to still be £30k+ at the end of it all!
What I find confusing is that my NW seems to be climbing at about £2k a month on a ~£21.5k a year post-tax salary, where I definitely have outgoings of around £10k a year. Where is it coming from? Government LISA bonus, S&S, bank tarting, eBay side hustle, and conservation of gifts is my best theory!
Joining so I can track myself. Amount will jump around because of quarterly tax prepayments.
11/26/17: $47,707.48
Due to making less than 50k I'll probably be way behind some of y'all but...
2 years into the 'real' workforce, networth 40k:
Work pension contribution: 10k
Savings account (earmarked for house downpayment, goal is 50k): 30k
If anyone has ideas about places to put house downpayment money that I plan to use within 1-2 years, I'm all ears! Earned a whopping 25 cents last month in interest in savings and it made me so sad...
That's an amazing gift and 30k is a shitload of money! How long has the account been just sitting there?
July 1 2018 - $66,306Count us in!June 1 2018 - $60,028
May 2018: $55,766
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
End of May NW: $73,816.57End of March NW: 60,017.55End of month NW: 56,190.70One month into 2018 and the new NW is 51,349 (with some help from the market) with an end of year projection now of $101,092. Woo hoo! I would still like to come up with another few thousand to play it safe as there will certainly be expenses come up that I don't really budget for such as medical/dental, car maintenance, registration renewals, etc.I am in! The goal is to get to 100k net worth by the end of 2018. Currently at ~21k. I have been pretty good at my goals so far. Starting out after college in Dec. 2013, I believe I had about a negative net worth of 65k. My first financial goal was to get a net worth of zero by the time I received my tax refund this year and I hit it at the end of January. My second goal was to have my private student loan (6.6%) paid off by the end of July. I made it at the end of June. Next I am hoping to have the car paid off by the end of the year. Currently have a 10k balance left on that loan.
My soft goal for the end of 2017 is 35k in net worth, only because I think I'll need it to be close to that to meet the 100k goal at the end of 2018. I have not done any hard calcs at this point, but in the mean time, I should be getting annual raises of approx. 5k beginning 11/1 for 2017 and 2018. I will also be maxing out my 401k in 2018 and hopefully the ROTH IRA as well.
So I am currently at ~30,900 net worth. I've been averaging about a 2k increase per month and I've got an extra paycheck coming in for December as there will be 3 pay periods. I should be between 37-38k net worth by the end of the year. I've got a raise coming effective 11/1, but I have not been communicated the amount yet.
I've cut almost 3k in annual expenses in the past few months. Moved to a nicer, more convenient, and cheaper apartment (farther away from city center, which I don't need anymore) that will save me $87 a month. In moving there and an acquisition by my firm, I will be driving approximately 10 miles round trip a day rather than 60. Rough estimates have that at about $100 a month in gas savings. My firm is also adding a HDHP plan, which I do not know the exact details yet, but I'm guessing this will be about 1/2 the cost of the low deductible plan (estimated savings of 50/month).
I have not ran the hard numbers yet as exact figures aren't determined, but my goal of 100k NW by the end of 2018 is going to come really close. I'd guess I'm looking at being more towards 10-15k short without any gains/raise coming next year/potential promotion. Here is a question for my fellow cohorts - I have about a 5k vested pension at my previous employer. I'm going to check to see if there is any way I can roll that over into a 401k/IRA this coming week. Either way, would you include that in your net worth calc? I'm younger so pensions are not a familiar topic for me. I've read being vested means that its guaranteed to me no matter what, but I've heard of plenty of people losing their pensions (albeit not knowing specific circumstances).
Now that year end is basically here I took some time to run my numbers.
Current NW: 46,289.93
2018:
Student loan payments decreasing principal: 1,933.56
ROTH IRA Contribution on 1/1 (with 7% return estimated: 5,885
401k Contributions (with estimated DCA of 3.5% return): 19,147.50
Deferred 2017 401k employer match: 458
401k employer match (with estimated DCA of 3.5% return): 2,000
2017 tax refund estimate (with 1% Ally interest): 2,020
Addition to savings (for house downpayment):18,379.42
Estimated previous employer retirement plan increase: 500
Estimated increase in paychecks due to lower w/h from tax reform: 1,500.
Estimated increase to 2017 YE 401k balance (assuming 7%): 1273.09
Estimated increase to 2017 YE Roth balance (assuming 7%): 424.41
12/31 2018 NW estimate: $99,780.91. So it's going to be VERY close. There will certainly be some unexpected costs that creep up such as smaller medical/dental costs, registrations, licenses, car maintenance/repairs, etc. Getting there is going to heavily count on the stock market getting at least average returns. I'm working hard towards a promotion that would go into effect 11/1/18, which would hopefully net me about another 1k before 2018 YE. I also have multiple ways to get bonuses at work, albeit normally in smaller increments. I believe I already have close to 1k gross coming my way. Let's get it!
End of year projection: 98,691.13
Had quite a few things going on this month...ended a relationship of 3 years, girlfriend moved out. Rent went up $350 a month as a result.
Bought some furniture off of ex that she owned.
Had to purchase some necessities for the apartment to make up for what ex took.
Stock market...bleh.
Bogus Uber charge of $234 that I'm still fighting.
I'm still feeling good about meeting my goal as I should have at least ~4k of extra income coming my way from various sources. Also going to concentrate on being more frugal than normal this month to help catch up. Shouldn't be too hard as I'm going to be spending a lot of time at work anyways (tax season).
End of 2018 projection: 98,683.37
The good - decided to take some of my house down payment savings and use it for some bank account churning (+650). Got project sale bonuses approved (+ approx 1500). Kept discretionary everyday spending down by about $300 from average.
The bad - realized I didn't remove my tax refund from my projection last month, so it was overstated by approx. 2,400. Then of course the stock market didn't really cooperate this month either. I believe I basically contributed 1,400 to 401k this month and the end of month balance is basically only 700 higher than the beg. of month balance.
End of April NW: 65,600
End of 2018 projection: 99,880 (ugh..so close!)
I spent more then normal this month, but a lot of it was worth it in my mind. Planning vacation, reconnecting with old friends, dating, etc. Made good progress with extra income this month - $1,900 side income and $1,600 work bonus. Also saved $17/month on internet and more than doubled my speed at the same time. Gotta keep hustling..and it would be nice if the stock market would help some.
End 2018 Projection: $103,127.81
Once again some above and beyond helping me this month: $700 from side income, $100 visa gift card for switching to AT&T, churning $200 from Discover Savings, prior employer retirement plan balance came in at $500 more than expected, and my employer deferred 401k match finally hit my account. June should be another nice rise as well as I don't have much in the way of extra curricular going on and it will be a 3 paycheck month.
Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.
I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.
Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)
I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!
05/17 £102006/18 £49,940 (-£260 ~ -0.5% )
01/18 £21,300 (+£20,280 ~ +1988%)
02/18 £25,500 (+£4,200 ~ +20%)
03/18 £48,800 (+£23,300 ~ +91%)
04/18 £50,616 (+£1,816 ~ +4%)
05/18 £50,200 (-£416 ~ -1%)
Just graduated into the next "Race to/from" bracket.
May 1st $88,849
June 1st $99,417
July 1st $109,417
These 8k-10k gains should stay for the next 16 months with a recent temporary assignment I have been given (Expat). Then it will be back to a more sustainable $3,300/month gains.
See you in the race to 250k!
£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
£55,765 Feb '18
£58,840 Mar '18
I'm just over $93,000! I can hardly believe I'm almost at $100,000. :) :) :)
I'm just over $93,000! I can hardly believe I'm almost at $100,000. :) :) :)
Updating this with January numbers!
RRSP TFSA Dec '17 5,500 5,500 Jan '18 5,636 5,808
Total: $11,441 (+441)
RRSP | TFSA | |
Dec '17 | 5,500 | 5,500 |
Jan '18 | 5,636 | 5,808 |
July '18 | 6,186 | 4,039 |
May 2016 $ -11,982.00
June 2016 $ -7,244.00
July 2016 $ -4,158.00
August 2016 $
As of writing this I'm currently at $59.98
First time reaching a positive NW.
May 2016 $ -11,982.00
June 2016 $ -7,244.00
July 2016 $ -4,158.00
August 2016 $
As of writing this I'm currently at $59.98
First time reaching a positive NW.
Well, haven't posted in about 2 years.
July 2018 $81,402.18
Couldn't have done it without the support from MMM and you all.
Hopefully hit the 100k mark by the end of this year.
Beginning of the year was a disaster but parting out a project car and selling another fun car helped.
11/26/17: $47,707.48
06/22/18: $72,953.75
July 1 2018 - $66,306Count us in!June 1 2018 - $60,028
May 2018: $55,766
I'm at 67k today! Started saving/investing seriously exactly 2 years ago, when I had about 5-10k. I expect I will hit 100k right before my next birthday at 28 (about 11 months) if I sell my car.
I've driven my car a total of 5 times the past year, so that's looking more and more likely, especially since my next apartment is right by the subway and doesn't have parking. I just really need to convince myself it's okay to do, I've never not had a car since I was 16 :O.
Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.
I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.
Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)
I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!
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 |
Mar 17 | $71,221 |
Apr 17 | $73,018 |
May 17 | $71,772 |
Jun 17 | $69,832 |
Jul 17 | $72,166 |
Aug 17 | $73,360 |
Sep 17 | $76,497 |
Oct 17 | $77,675 |
Nov 17 | $80,642 |
Dec 17 | $82,238 |
Jan 18 | $86,553 |
Feb 18 | $85,058 |
Mar 18 | $92,587 |
Apr 18 | $92,392 |
May 18 | $93,023 |
Jun 18 | $94,575 |
Jul 18 | $98,373 |
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 Mar 17 $71,221 Apr 17 $73,018 May 17 $71,772 Jun 17 $69,832 Jul 17 $72,166 Aug 17 $73,360 Sep 17 $76,497 Oct 17 $77,675 Nov 17 $80,642 Dec 17 $82,238
Jan 18 $86,553
Feb 18 $85,058
Mar 18 $92,587
Apr 18 $92,392
May 18 $93,023
Jun 18 $94,575
Jul 18 $98,373
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
I'm looking forward to following everyone's progress. Good luck to us all!
Missed a month, but my net worth as of Nov 30th is $18,617.
As the year comes to a close, my next worth is up to $23,350.
Just updated my spreadsheet to record my paycheck. January ends with my networth up to $27,921.
With February officially in the books my net worth is sitting at $30,289.72. A pretty weak month compared to previous. Market losses along with some medical bills are the primary culprits.
Medical bills made March my least productive month in quite awhile, with only an increase of $1,438, leaving the ending balance at $31,728. My employer's quarterly HSA match came in. which represents almost half of the month's gain. My wife and I are expecting our first child in June, so I anticipate similar performance over the next few months... On a positive note, we've met our insurance deductible for the year, so the upcoming bills will be significantly less than they would have been otherwise.
April ends with my net worth sitting at $32,373.
A slooooow-growth month. The biggest dings were income taxes and a myriad of costs resulting for the early birth of my daughter.
Hoping for May to be more productive. Now that my daughter is here we have settled into a routine. Also, the hospital has been kind enough to provide us with a parking pass for the duration that my daughter will be there (probably until her original due date at the end of June), so that takes care of a fairly significant expense. We won't be eating out much either, as we did a bit the first week or so while we got our legs back underneath us. Not sure when the medical bills will start to hit, though...
May ends with a decent amount of growth! Up to $34,659.
Happy with my progress, though I've been spendier than I should. On a plus side, it looks like I'll be taking a new job which should see a ~20% bump in pay, plus a nice sign on bonus. So my NW should begin to grow more quickly! Ohh and my commute will be dropping from 42 miles down to 2.5 miles! As a result I'll be saving a ton on gas and wear and tear on my car.
2015 -£2,61007/18 £56,320 (+£6380 ~ +13% )
2016 £5,250 (+£7,860 ~ +301%)
2017 £10,810 (+£5,560 ~ +106%)
01/18 £21,300 (+£10,490 ~ +97%)
02/18 £25,500 (+£4,200 ~ +20%)
03/18 £48,800 (+£23,300 ~ +91%)
04/18 £50,620 (+£1,820 ~ +4%)
05/18 £50,200 (-£420 ~ -1%)
06/18 £49,940 (-£260 ~ -0.5% )
Happy with my progress, though I've been spendier than I should. On a plus side, it looks like I'll be taking a new job which should see a ~20% bump in pay, plus a nice sign on bonus. So my NW should begin to grow more quickly! Ohh and my commute will be dropping from 42 miles down to 2.5 miles! As a result I'll be saving a ton on gas and wear and tear on my car.
Those are some great positive changes @Jim Fiction! With the likely new time pressures of being a new dad you will especially appreciate that shorter commute. It's been a great year for you -- congrats!
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
Beginning September 2018: $34.4k - Investments ~$61.7k
Background:
Age: 30
"Switched" Careers at 25.
Started taking personal finances 'seriously' around 27 (aka actually saving money, 401k, etc).
Started taking personal finances seriously around 29
Salary gradually up to65k, 68k as of End of 2017, 75k at beginning of CY18
Married but don't include house (equity/mortgage) or joint savings in these calculations since she's the boss, it gets messy with house equity/sweat equity ($40k total on a $170k house in May 17), and it will just be cherry on the top.
-3.5 years left of student loan payments I'm aggressively paying off/refinanced in January '17
-15 year mortgage in May '17
-Not including 529 accounts-Only a few hundred now, but it will be going to Godchildren/my future children so not my money in my eyes.
January 2016-
($45k) Student Debt
($2k) Personal CC Debt
$8k 401k
NW: ($38k)
NW April 2016: ($34K)
July 2016: ($28.4k)
October 2016: ($22.6k)
January 2017: ($20.8k) (Refinanced loan and intransit payments not reflected)
April 2017: ($10.9k)
July 2017: ($5.7k)
August 2017: ($2.5k)
September 2017:(~$1.7k)
October 2017: $1.8k - $32k
November 2017: $4.5K - Investments ~$33.8k.
December 2017: $7.9K - Investments ~$37.8k.
January 2017: $11.4K - Investments ~$39.6k.
February 2018: $14.3K - Investments ~$43.9k.
March 2018: $16k - Investments ~$44.2k
April 2018: $17.1K - Investments ~$45.2k.
May 2018: $19.8k - Investments ~$47k
June 2018: $23.2k - Investments ~$50.1k
July 2018: $28.3k - Investments ~$54k
August 2018: $34.3k - Investments ~$58.9k
Goal: 50k at end of year.
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
Another month of major expenses. Built a deck, planned and paid for future vacation. Hoping all the major expenses are done for this year.(except tires that I will need by middle of October)
Excellent work everyone! I have added the median in the chart, it is steady uprising for 2018!
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit?pref=2&pli=1#gid=0
Excellent work everyone! I have added the median in the chart, it is steady uprising for 2018!
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit?pref=2&pli=1#gid=0
Loving the chart, how do I get included?
November 2017 - $10,267
December 2017 - $11,208
January 2018 - $10,713
February 2018 - $11,869
March 2018 - $14,175
April 2018 - $14,330
May 2018 - $14,592
Aug 1 2018 - $74,667July 1 2018 - $66,306Count us in!June 1 2018 - $60,028
May 2018: $55,766
£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
£55,765 Feb '18
£58,840 Mar '18
£61,802 Apr 18
£66,336 May 18
£70,866 Jun 18
£74,169 July 18
Congrats @twistedfirestarter! You get to celebrate twice!
1/1= 14,705
2/1/18= 18,264
3/1/18= 21,225
4/1/18= 22,741
5/1/18= 26,020
6/1/18= 28,987
7/1/18= 31,457
8/1/18= 34,642
All packed up and ready for the new job and move across the country. I'm burning all my unused PTO in Spain for 3 weeks. New job starts Aug 20 at x2 my current salary. Looking forward to doubling my savings rate.
1/1= 14,705
2/1/18= 18,264
3/1/18= 21,225
4/1/18= 22,741
5/1/18= 26,020
6/1/18= 28,987
7/1/18= 31,457
8/1/18= 34,642
All packed up and ready for the new job and move across the country. I'm burning all my unused PTO in Spain for 3 weeks. New job starts Aug 20 at x2 my current salary. Looking forward to doubling my savings rate.
9/1/18= 37,413
The move went well. Still getting settled in California, but so far so good. Have to wait 3 months at the new job before I can start 401k contributions again.
Beginning September 2018: $34.4k - Investments ~$61.7k
Background:
Age: 30
"Switched" Careers at 25.
Started taking personal finances 'seriously' around 27 (aka actually saving money, 401k, etc).
Started taking personal finances seriously around 29
Salary gradually up to65k, 68k as of End of 2017, 75k at beginning of CY18
Married but don't include house (equity/mortgage) or joint savings in these calculations since she's the boss, it gets messy with house equity/sweat equity ($40k total on a $170k house in May 17), and it will just be cherry on the top.
-3.5 years left of student loan payments I'm aggressively paying off/refinanced in January '17
-15 year mortgage in May '17
-Not including 529 accounts-Only a few hundred now, but it will be going to Godchildren/my future children so not my money in my eyes.
January 2016-
($45k) Student Debt
($2k) Personal CC Debt
$8k 401k
NW: ($38k)
NW April 2016: ($34K)
July 2016: ($28.4k)
October 2016: ($22.6k)
January 2017: ($20.8k) (Refinanced loan and intransit payments not reflected)
April 2017: ($10.9k)
July 2017: ($5.7k)
August 2017: ($2.5k)
September 2017:(~$1.7k)
October 2017: $1.8k - $32k
November 2017: $4.5K - Investments ~$33.8k.
December 2017: $7.9K - Investments ~$37.8k.
January 2017: $11.4K - Investments ~$39.6k.
February 2018: $14.3K - Investments ~$43.9k.
March 2018: $16k - Investments ~$44.2k
April 2018: $17.1K - Investments ~$45.2k.
May 2018: $19.8k - Investments ~$47k
June 2018: $23.2k - Investments ~$50.1k
July 2018: $28.3k - Investments ~$54k
August 2018: $34.3k - Investments ~$58.9k
Goal: 50k at end of year.
Wohooo amazing Tass! And with such ease (as in, you actually managed a .2 as well ;))!
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
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
June ended around 36,000 (estimate, was too busy to exactly keep track). July ends with my NW up to $38,676.
Happy with my progress, though I've been spendier than I should. On a plus side, it looks like I'll be taking a new job which should see a ~20% bump in pay, plus a nice sign on bonus. So my NW should begin to grow more quickly! Ohh and my commute will be dropping from 42 miles down to 2.5 miles! As a result I'll be saving a ton on gas and wear and tear on my car.
End of July NW: 84,495End of August NW: 88,430.58
End of Year projected NW: 104,324
Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.
I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.
Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)
I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!
I did the thing!congrats! See you in the next thread soon!
It took me longer than I thought, but I'm happy to have made it. :)
12/15 -£2,61008/18 £60,400 (+£4080 ~ +7% )
12/16 £5,250 (+£7,860 ~ +301%)
12/17 £10,810 (+£5,560 ~ +106%)
01/18 £21,300 (+£10,490 ~ +97%)
02/18 £25,500 (+£4,200 ~ +20%)
03/18 £48,800 (+£23,300 ~ +91%)
04/18 £50,620 (+£1,820 ~ +4%)
05/18 £50,200 (-£420 ~ -1%)
06/18 £49,940 (-£260 ~ -0.5%
07/18 £56,320 (+£6380 ~ +13%)
I did the thing!
It took me longer than I thought, but I'm happy to have made it. :)
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 |
Mar 17 | $71,221 |
Apr 17 | $73,018 |
May 17 | $71,772 |
Jun 17 | $69,832 |
Jul 17 | $72,166 |
Aug 17 | $73,360 |
Sep 17 | $76,497 |
Oct 17 | $77,675 |
Nov 17 | $80,642 |
Dec 17 | $82,238 |
Jan 18 | $86,553 |
Feb 18 | $85,058 |
Mar 18 | $92,587 |
Apr 18 | $92,392 |
May 18 | $93,023 |
Jun 18 | $94,575 |
Jul 18 | $98,373 |
Aug 18 | $106,793 |
Aug $ 81,356
Jul $ 66,521
Jun $ 64,243
May $ 60,386
Apr $ 56,284
Mar $ 55,824
Feb $ 55,756
Jan $ 51,828
First MMM Forum Post! Found MMM in late December 2017. Made immediate changes. Been reading the forum for awhile now...
Investments + 403b/401k:
12/2017: $38,165 (previously sitting and earning a measly 1.35% in savings) (Before investing/pre-MMM)
01/2018: $39,072
02/2018: $47,432
03/2018: $53,824 (as of 3/12)
My spreadsheet indicates that I will reach $100k by 1/1/2019
3/15/2018: $12,926.94
3/31/2018: $12,989.49
4/13/2018: $16,254.32
4/30/2018: $17,831.70
5/15/2018: $18,911.08
5/31/2018: $21,674.06
6/15/2018: $23,447.78
06/29/2018: $20,396.96
7/21/2018: $22,666.63
7/31/2018: $24,667.50
8/23/2018: $25,400.62
8/31/2018: $27,393.30
9/14/2018: $28,138.60
Thanks! I just secured a 10k bonus with a lateral transfer so hopefully it goes faster soon!3/15/2018: $12,926.94
3/31/2018: $12,989.49
4/13/2018: $16,254.32
4/30/2018: $17,831.70
5/15/2018: $18,911.08
5/31/2018: $21,674.06
6/15/2018: $23,447.78
06/29/2018: $20,396.96
7/21/2018: $22,666.63
7/31/2018: $24,667.50
8/23/2018: $25,400.62
8/31/2018: $27,393.30
9/14/2018: $28,138.60
$16k in 6 months is pretty awesome, I know how slow it goes in the beginning.
November 2017 - $10,267
December 2017 - $11,208
January 2018 - $10,713
February 2018 - $11,869
March 2018 - $14,175
April 2018 - $14,330
May 2018 - $14,592
August 2018 - $19,246
1/1/2018: $38,800
2/1/2018: $49,800
3/1/2018: $55,707
4/1/2018: $64,352
5/1/2018: $68,097
6/1/2018: $72,976
7/1/2018: $80,555
8/1/2018: $85,858
9/1/2018: $90,137
10/1/2018: $93,806
This month I focused on asset allocation, and I think I've got something that I'm comfortable going forward with. Next month my goal is to finalize my investment policy statement. I did some analysis and realized that I'm paying very little in taxes, and so I'm going to make all my retirement contributions Roth from here on out. Also, I liquidated the 529s I had with USAA and moved that money into VTSAX at Vanguard, so now all my investments are in low-cost index funds.
Welcome to all the newcomers!
Sept 1 2018 - $83,868Aug 1 2018 - $74,667July 1 2018 - $66,306Count us in!June 1 2018 - $60,028
May 2018: $55,766
1/1/2018: $38,800
2/1/2018: $49,800
3/1/2018: $55,707
4/1/2018: $64,352
5/1/2018: $68,097
6/1/2018: $72,976
7/1/2018: $80,555
8/1/2018: $85,858
9/1/2018: $90,137
10/1/2018: $93,806
This month I focused on asset allocation, and I think I've got something that I'm comfortable going forward with. Next month my goal is to finalize my investment policy statement. I did some analysis and realized that I'm paying very little in taxes, and so I'm going to make all my retirement contributions Roth from here on out. Also, I liquidated the 529s I had with USAA and moved that money into VTSAX at Vanguard, so now all my investments are in low-cost index funds.
Welcome to all the newcomers!
What a difference a year makes, you have basically already tripled your investments since January.
1/1/2018: $38,800
2/1/2018: $49,800
3/1/2018: $55,707
4/1/2018: $64,352
5/1/2018: $68,097
6/1/2018: $72,976
7/1/2018: $80,555
8/1/2018: $85,858
9/1/2018: $90,137
10/1/2018: $93,806
This month I focused on asset allocation, and I think I've got something that I'm comfortable going forward with. Next month my goal is to finalize my investment policy statement. I did some analysis and realized that I'm paying very little in taxes, and so I'm going to make all my retirement contributions Roth from here on out. Also, I liquidated the 529s I had with USAA and moved that money into VTSAX at Vanguard, so now all my investments are in low-cost index funds.
Welcome to all the newcomers!
What a difference a year makes, you have basically already tripled your investments since January.
Haha yeah...that's what discovering the FIRE concept will do. Pre MMM, 10 years of working = $38k of savings. Post MMM, 10 months of working = $55k of savings.
Haha yeah...that's what discovering the FIRE concept will do. Pre MMM, 10 years of working = $38k of savings. Post MMM, 10 months of working = $55k of savings.
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
June ended around 36,000 (estimate, was too busy to exactly keep track). July ends with my NW up to $38,676.
Happy with my progress, though I've been spendier than I should. On a plus side, it looks like I'll be taking a new job which should see a ~20% bump in pay, plus a nice sign on bonus. So my NW should begin to grow more quickly! Ohh and my commute will be dropping from 42 miles down to 2.5 miles! As a result I'll be saving a ton on gas and wear and tear on my car.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
Haha yeah...that's what discovering the FIRE concept will do. Pre MMM, 10 years of working = $38k of savings. Post MMM, 10 months of working = $55k of savings.
You have saved more this year than I make in a year! (By a good amount!) That's amazing! You should be super proud of yourself.
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
End of September NW: 90,725.77End of July NW: 84,495End of August NW: 88,430.58
End of Year projected NW: 104,324
End of Year projected NW: 105,233.73
Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.
I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.
Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)
I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!
Joining now but I do have some historical data. This seems like a fun competition!
I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big, and I just started it in July. My checking account is also not included as it has money I will likely spend this month. Money in retirement accounts that is not vested is also not included. Part of the big jump in between April and August is that part of my 401K vested 20%. My investments generally go up by over $1200 a month, so to get to 100k should take me about 5 years if it does not appreciate. My savings rate will probably be higher next year, as I am looking for a new job in a lower cost of living area, or if I keep my current job, the 401k match goes up to 6% for 4.5%.
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Best of Luck Everyone!
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
Bleeding money because of the deck I am building, finish work is taking more than I expected. Also bought those tires that I need and had the suspension rebuilt on the car. Suspension rebuild could have wait..
12/15 -£2,61009/18 £63,370 (+£2,970 ~ +5% )
12/16 £5,250 (+£7,860 ~ +301%)
12/17 £10,810 (+£5,560 ~ +106%)
01/18 £21,300 (+£10,490 ~ +97%)
02/18 £25,500 (+£4,200 ~ +20%)
03/18 £48,800 (+£23,300 ~ +91%)
04/18 £50,620 (+£1,820 ~ +4%)
05/18 £50,200 (-£420 ~ -1%)
06/18 £49,940 (-£260 ~ -0.5%
07/18 £56,320 (+£6,380 ~ +13%)
08/18 £60,400 (+£4,080 ~ +7%)
I'm jumping in the race here to join others in tracking.
A little background: 22yo M, who just graduated college in May. I started tracking my NW July 1, 2018 (when I started my FT job), so I'll add these numbers and go from there!
Net Worth (beginning of month values)
July '18: $34,089.83
August '18: $36,706.45 (+$2616)
September '18: $41,283.24 (+$4575)
October '18: $44,242.77 (+$2960)
My current spreadsheets have me hitting 100k sometime in the summer of 2020 (highly dependent on markets obviously), so we'll see how it goes!
New to the site.
New to FIRE (but have been along the frugal lines for a while just not saving it - loved a trip abroad!)
Love a bit ofCompetitionMotivation.
So, how are we calculating this?
Saving - debt only?
Saving - debt - mortgage?
Net worth (including house value)?
All of these totals I only worked out last month!
All the best!
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
And it continues, 2 two week roadtrip vacations will never help. Out of days off and no major expense on the horizon so I am hoping to start turning this boat around.
November 2017 - $10,267
December 2017 - $11,208
January 2018 - $10,713
February 2018 - $11,869
March 2018 - $14,175
April 2018 - $14,330
May 2018 - $14,592
August 2018 - $19,246
September 2018 - $20,031
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 1 2018 - $93,108Sept 1 2018 - $83,868Aug 1 2018 - $74,667July 1 2018 - $66,306Count us in!June 1 2018 - $60,028
May 2018: $55,766
New to the site.
New to FIRE (but have been along the frugal lines for a while just not saving it - loved a trip abroad!)
Love a bit ofCompetitionMotivation.
So, how are we calculating this?
Saving - debt only?
Saving - debt - mortgage?
Net worth (including house value)?
All of these totals I only worked out last month!
All the best!
OK - so I'll do A and C and drop the one that's least relevant (likely C).
This is a 2 person household and is a joint total. It also only got calculated 1 month ago when I started to learn about all of this! So, whatever month 1 says is all by accident / luck. Also, in the UK so all in Sterling.
A - Liquid Worth - Debt (not mortgage).
Oct 2018 , £16,285.16
C - NW (as above but including Mortgage set against current value)
Oct 2018 , £56,433.54
I feel like A is the correct number. We live in our house after all!
A better start than I expected really.
All the best.
Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.
I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.
Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)
I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!
End of October NW: 92,808.68End of September NW: 90,725.77End of July NW: 84,495End of August NW: 88,430.58
End of Year projected NW: 104,324
End of Year projected NW: 105,233.73
End of Year Projected NW: 105,847.91
Definitely a rougher month for me expense wise. Had $700 of work expenses that I covered up front, $750 in car repairs, weekend trips to Chicago and Toronto, and the girlfriend's birthday dinner/night out.
October should set up to be a nice month - very little out of the ordinary expenses, work expense reimbursement, and ~$1200 in net bonuses.
November should also be a nice month. Raise will go into effect beginning 11/1 and its a 3 paycheck month. Goal is now to hit 100k effective 11/30.
I'm jumping in the race here to join others in tracking.
A little background: 22 M, who just graduated college in May. I started tracking my NW in June (when I started my FT job), so I'll add these numbers and go from there!
Net Worth
6/30/2018: $34,089.83
7/31/2018: $36,706.45 (+$2616)
8/31/2018: $41,283.24 (+$4575)
9/30/2018: $44,242.77 (+$2960)
10/31/2018: $43,890.16 (-$353)
Had a down month because of the markets but actually had a good month of saving. I own more VTSAX and S&P 500 shares than I did on 9/30, so I consider this month a success still!
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
June ended around 36,000 (estimate, was too busy to exactly keep track). July ends with my NW up to $38,676.
Happy with my progress, though I've been spendier than I should. On a plus side, it looks like I'll be taking a new job which should see a ~20% bump in pay, plus a nice sign on bonus. So my NW should begin to grow more quickly! Ohh and my commute will be dropping from 42 miles down to 2.5 miles! As a result I'll be saving a ton on gas and wear and tear on my car.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
October Notes
Ouch. Market downturn coupled with a zero paycheck month (I get paid once a month, but my October paycheck came at the end of September) led to a significant loss.
The month was not without its positives. I opened up an IRA and set my 401k contribution to max (won't max in 2018, but will in 2019).
12/15 -£2,61010/18 £61,180 (-£2,190 ~ -3% )
12/16 £5,250 (+£7,860 ~ +301%)
12/17 £10,810 (+£5,560 ~ +106%)
01/18 £21,300 (+£10,490 ~ +97%)
02/18 £25,500 (+£4,200 ~ +20%)
03/18 £48,800 (+£23,300 ~ +91%)
04/18 £50,620 (+£1,820 ~ +4%)
05/18 £50,200 (-£420 ~ -1%)
06/18 £49,940 (-£260 ~ -0.5%
07/18 £56,320 (+£6,380 ~ +13%)
08/18 £60,400 (+£4,080 ~ +7%)
09/18 £63,370 (+£2,970 ~ +5%)
Joining now but I do have some historical data. This seems like a fun competition!Oct2018: $23,658 (+$13)
I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big, and I just started it in July. My checking account is also not included as it has money I will likely spend this month. Money in retirement accounts that is not vested is also not included. Part of the big jump in between April and August is that part of my 401K vested 20%. My investments generally go up by over $1200 a month, so to get to 100k should take me about 5 years if it does not appreciate. My savings rate will probably be higher next year, as I am looking for a new job in a lower cost of living area, or if I keep my current job, the 401k match goes up to 6% for 4.5%.
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
October Notes
Ouch. Market downturn coupled with a zero paycheck month (I get paid once a month, but my October paycheck came at the end of September) led to a significant loss.
The month was not without its positives. I opened up an IRA and set my 401k contribution to max (won't max in 2018, but will in 2019).
Awesome job @Jim Fiction. October was a big 'ouch' for everyone, but you are doing all the right things. Keep on rolling!
I just hit 101k despite the tough market. Looking forward to seeing you all in the 100-250k forum!
Hello All,
I almost forgot to check in. Welp! it looks like a sale month LOL
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Not a bad month considering the market!
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Not a bad month considering the market!
Wow, you had a REALLY good 2017! I found MMM in very late-2014 with a similar NW and started getting serious about saving and investing in 2015 as well. I just hit 80k, looks like we're in a tight race to graduate to the next level
I just hit 101k despite the tough market. Looking forward to seeing you all in the 100-250k forum!
Aug $ 81,356
Jul $ 66,521
Jun $ 64,243
May $ 60,386
Apr $ 56,284
Mar $ 55,824
Feb $ 55,756
Jan $ 51,828
Update time:
Sep $ 88,159
Aug $ 81,356
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Not a bad month considering the market!
Wow, you had a REALLY good 2017! I found MMM in very late-2014 with a similar NW and started getting serious about saving and investing in 2015 as well. I just hit 80k, looks like we're in a tight race to graduate to the next level
Race you to a 100k :)
Challenge accepted. Poor timing though, my main work is seasonal and I'm about to be laid off for 3 months at the end of November. Going to have up my side hustle if I want a good shop at taking this one :)
Challenge accepted. Poor timing though, my main work is seasonal and I'm about to be laid off for 3 months at the end of November. Going to have up my side hustle if I want a good shot at taking this one :)
Aw, sorry to hear about that! Luckily us Mustachians are a crafty folk! I have no doubt you'll give me a run for my money. Good luck!
£79,540.47 Oct ‘18
£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
£55,765 Feb '18
£58,840 Mar '18
£61,802 Apr ‘18
£66,336 May ‘18
£70,866 Jun ‘18
£74,169 Jul ‘18
£78,963 Aug '18
£82,615 Sep '18
Mid-November Update
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $$22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
Just graduated from the race to 10k thread.
I wont even hazard a guess as to when I'll get through this one, but I'll keep track of finances and hope for the best.
I'm 25, from Manchester, UK (obviously). Work in the software industry, mainly account management and client relations. I match bets in my spare time to generate some extra money. I have a small workplace pension and need to start investing properly. I don't include the equity in my house. My N/W is calculated as follows:
Cash balance (including Emergency Fund) + Investments + Matched betting balance - Credit card debt.
November 2018 - £10,691.37
My stretch goal is to hit £25k by the end of November 2019. Wish me luck! :)
You can do it! Aim high!
Mid-November Update
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $$22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
That was a really big jump in September - great job! What caused it?
Awesome! Congrats! You’re almost a third of the way there already, it’s really inspiring!Mid-November Update
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $$22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
That was a really big jump in September - great job! What caused it?
Thank you! DH got a bonus we put toward our Student Loan so that gave us a generous raise in Net Worth for the month when combined with our normal savings :)
Hello all,
I join you here with a -47560. November 23rd. It is perhaps a bad month to start a dramatic lifestyle change with Christmas around the corner but any gain on this is a win I think. With a $90,000.00 household income I hoped to be positive in the next two years but with what Ive been reading, with major changes I should be able to get that down to a year.
More discussion on another thread =)
Joining now but I do have some historical data. This seems like a fun competition!
I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big, and I just started it in July. My checking account is also not included as it has money I will likely spend this month. Money in retirement accounts that is not vested is also not included. Part of the big jump in between April and August is that part of my 401K vested 20%. My savings rate will probably be higher next year, as I am looking for a new job in a lower cost of living area, or if I keep my current job, the 401k match goes up to 6% for 4.5%.
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Hello all,Thank you for the confidence boost. I will certainly keep that in mind while proceeding with the plan. On ward and unto the breach....
I join you here with a -47560. November 23rd. It is perhaps a bad month to start a dramatic lifestyle change with Christmas around the corner but any gain on this is a win I think. With a $90,000.00 household income I hoped to be positive in the next two years but with what Ive been reading, with major changes I should be able to get that down to a year.
More discussion on another thread =)
Welcome,
One piece of advice I had read elsewhere that really stuck with me is the Mustachian variety of keeping up with the Joneses. Some people will do a crap job when saving $10k per month while others should feel great about putting away $300. Everyone has their own pace and circumstances, we can probably learn from all of the other folks on these forums but don't try to set targets based on another person's journey or circumstances.
Make a solid, attainable plan and go after it month over month.
Oh and about December being the worst month to get started, you could also look at it as a big impact opportunity because if you can stick to a plan during Christmas time then most of the other months should be way easier. Use that thought as a way to boost your confidence in the plan!
Hey @Manchester, just saw your graduation from the 10k thread! It's fun to watch a new "class" make our way over here. Congrats!
Thanks Tass!
I think I'll be stuck in this thread for a loooong time, but it's nice to be here!
Thanks Tass!
I think I'll be stuck in this thread for a loooong time, but it's nice to be here!
Well, you're going to have me for company for a loooooong time then, because I'm probably going to be here for forever. Welcome, Manchester!
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
10/26/18: $64,270.98
Deck is finished, suspension rebuild on car is finished. Major expenses are behind me but I started to pay down the house more aggressively.
I just hit 101k despite the tough market. Looking forward to seeing you all in the 100-250k forum!
Nov 1 2018 - $93,084Oct 1 2018 - $93,108Sept 1 2018 - $83,868Aug 1 2018 - $74,667July 1 2018 - $66,306Count us in!June 1 2018 - $60,028
May 2018: $55,766
Dec 1 2018 - $104,317Nicely done! Have fun up there in the six figures :)
That is all for us!! See you all in the 250k race!!!
Dec 1 2018 - $104,317Nicely done! Have fun up there in the six figures :)
That is all for us!! See you all in the 250k race!!!
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
November 2017 - $10,267
December 2017 - $11,208
January 2018 - $10,713
February 2018 - $11,869
March 2018 - $14,175
April 2018 - $14,330
May 2018 - $14,592
August 2018 - $19,246
September 2018 - $20,031
October 2018 - $19,301
End of November NW: 98,999.81End of October NW: 92,808.68End of September NW: 90,725.77End of July NW: 84,495End of August NW: 88,430.58
End of Year projected NW: 104,324
End of Year projected NW: 105,233.73
End of Year Projected NW: 105,847.91
Definitely a rougher month for me expense wise. Had $700 of work expenses that I covered up front, $750 in car repairs, weekend trips to Chicago and Toronto, and the girlfriend's birthday dinner/night out.
October should set up to be a nice month - very little out of the ordinary expenses, work expense reimbursement, and ~$1200 in net bonuses.
November should also be a nice month. Raise will go into effect beginning 11/1 and its a 3 paycheck month. Goal is now to hit 100k effective 11/30.
End of Year Projected NW: 103,981.71
Bleh stock market.
Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.
I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.
Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)
I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
June ended around 36,000 (estimate, was too busy to exactly keep track). July ends with my NW up to $38,676.
Happy with my progress, though I've been spendier than I should. On a plus side, it looks like I'll be taking a new job which should see a ~20% bump in pay, plus a nice sign on bonus. So my NW should begin to grow more quickly! Ohh and my commute will be dropping from 42 miles down to 2.5 miles! As a result I'll be saving a ton on gas and wear and tear on my car.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
£55,765 Feb '18
£58,840 Mar '18
£61,802 Apr ‘18
£66,336 May ‘18
£70,866 Jun ‘18
£74,169 Jul ‘18
£78,963 Aug '18
£82,615 Sep '18
£79,540 Oct ‘18
£84,005 Nov ‘18
I can almost taste it, guys... 2019 will be my year!
12/15 -£2,61011/18 £64,740 (+£3,560 ~ +6% )
12/16 £5,250 (+£7,860 ~ +301%)
12/17 £10,810 (+£5,560 ~ +106%)
01/18 £21,300 (+£10,490 ~ +97%)
02/18 £25,500 (+£4,200 ~ +20%)
03/18 £48,800 (+£23,300 ~ +91%)
04/18 £50,620 (+£1,820 ~ +4%)
05/18 £50,200 (-£420 ~ -1%)
06/18 £49,940 (-£260 ~ -0.5%
07/18 £56,320 (+£6,380 ~ +13%)
08/18 £60,400 (+£4,080 ~ +7%)
09/18 £63,370 (+£2,970 ~ +5%)
10/18 £61,180 (-£2,190 ~ -3%)
Dec-16: $32,870.70Jan-18: $65,122.37 (+ 6,850.82)
Dec-17: $58,271.55 (+ 25,400.85)
4//2017 -$2,713.29
<snip>
11//2018 $100,229.82!!!!!
Ahead of schedule, our goal was Christmas 2018!
See y'all in $100k-250k!!
1/18/18 - 18,350.00
3/15/18 - 20,267.70
5/17/18 - 19,930.00
8/31/18 - 25,908.00
9/21/18 - 28,115.00
11/30/18 - 29,835.00
12/14/18 - 30,879.00
Past the 30k mark for the first time!
1/18/18 - 18,350.00
3/15/18 - 20,267.70
5/17/18 - 19,930.00
8/31/18 - 25,908.00
9/21/18 - 28,115.00
11/30/18 - 29,835.00
12/14/18 - 30,879.00
Past the 30k mark for the first time!
Way to go, buddy! Time to hit that 40K next!
1/18/18 - 18,350.00
3/15/18 - 20,267.70
5/17/18 - 19,930.00
8/31/18 - 25,908.00
9/21/18 - 28,115.00
11/30/18 - 29,835.00
12/14/18 - 30,879.00
Past the 30k mark for the first time!
Way to go, buddy! Time to hit that 40K next!
At the rate you're going, you'll beat me there! Nice job so far.
Looks Like December is going to end up at about $ 75,941.Aug $ 81,356
Jul $ 66,521
Jun $ 64,243
May $ 60,386
Apr $ 56,284
Mar $ 55,824
Feb $ 55,756
Jan $ 51,828
Update time:
Sep $ 88,159
Aug $ 81,356
Oct $ 92.125
Nov $ 86,143
Looks like October to November took a bit of a nose dive.
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Dec 18: 88171 (+1150 but that's earmarked to prepay next year's health insurance)
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
10/26/18: $64,270.98
11/27/18: $66,467.65
The number is going up only because I am putting away funds for next quarters tax payment. Ultimate goal is paying house down aggressively but I don't count the equity into this number. Overall a very good month. Hosted part of Thanksgiving(1 of the many gtgs my family had) but since I cut away spending in other parts, I came in significantly under budget. Since gifts are bought, I am hoping for a good December.
Been awhile since I've posted, trying to get back on track to start the new year. Also just started to max my TSP and wife will be contributing $8800/yr to her 401k with the hopes of working towards maxing hers out as well by the middle of 2019. Should let our NW grow much faster!
4/13/18: $14,324.67
12/27/18: $20,377.45
Been awhile since I've posted, trying to get back on track to start the new year. Also just started to max my TSP and wife will be contributing $8800/yr to her 401k with the hopes of working towards maxing hers out as well by the middle of 2019. Should let our NW grow much faster!
4/13/18: $14,324.67
12/27/18: $20,377.45
Nice to break 20K right before the new year!
Dec2018: $23,959.92 (+12)
I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big, and I just started it in July. My checking account is also not included as it has money I will likely spend this month. Money in retirement accounts that is not vested is also not included. Part of the big jump in between April and August is that part of my 401K vested 20%. My savings rate will probably be higher next year, as I am looking for a new job in a lower cost of living area, or if I keep my current job, the 401k match goes up to 6% for 4.5%.
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
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
December 2017 - $11,208
January 2018 - $10,713
February 2018 - $11,869
March 2018 - $14,175
April 2018 - $14,330
May 2018 - $14,592
August 2018 - $19,246
September 2018 - $20,031
October 2018 - $19,301
November 2018 - $20,523
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
June ended around 36,000 (estimate, was too busy to exactly keep track). July ends with my NW up to $38,676.
Happy with my progress, though I've been spendier than I should. On a plus side, it looks like I'll be taking a new job which should see a ~20% bump in pay, plus a nice sign on bonus. So my NW should begin to grow more quickly! Ohh and my commute will be dropping from 42 miles down to 2.5 miles! As a result I'll be saving a ton on gas and wear and tear on my car.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
Lot of money moving around right now being end of year, so its hard to get a to-dollar amount. However for purposes of tracking:End of November NW: 98,999.81End of October NW: 92,808.68End of July NW: 84,495End of August NW: 88,430.58
End of Year projected NW: 104,324
End of Year projected NW: 105,233.73
End of September NW: 90,725.77
End of Year Projected NW: 105,847.91
Definitely a rougher month for me expense wise. Had $700 of work expenses that I covered up front, $750 in car repairs, weekend trips to Chicago and Toronto, and the girlfriend's birthday dinner/night out.
October should set up to be a nice month - very little out of the ordinary expenses, work expense reimbursement, and ~$1200 in net bonuses.
November should also be a nice month. Raise will go into effect beginning 11/1 and its a 3 paycheck month. Goal is now to hit 100k effective 11/30.
End of Year Projected NW: 103,981.71
Bleh stock market.
End of Year Projected NW: 103,693.80
January 67,602
February 72,789
March 75,413
April 75,770
May 73,933
June 77,260
July 77,632
August 79,049
September 83,381
October 88,081
November 94,261
December 98,822
January 101,315
Just made it to the next thread! Great job everyone, hope to see many of you in the 100k - 250k thread soon!
£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
£55,765 Feb '18
£58,840 Mar '18
£61,802 Apr ‘18
£66,336 May ‘18
£70,866 Jun ‘18
£74,169 Jul ‘18
£78,963 Aug '18
£82,615 Sep '18
£79,540 Oct ‘18
£84,005 Nov ‘18
£87,300 Dec ‘18
£88,150 Jan ‘19
Still plugging away
Oh boy - I can join this thread now! I'm a bit premature, but I'll be over 10k with my next paycheck. :)
Jan 13th 2019: $6.5k!
October 7, 2018 = $600
October 18, 2018 = $2500
November 1, 2018 = $5,995
November 15, 2018 = $9,273
November 29, 2018 = $11,340
December 13, 2018 = $13,155
December 25, 2018 = $15,396
Okay, now I am making a few adjustments by adding my 401K totals into the mix. For a long time I have not been checking mine or my wife`s balance and have been doing company match for several years now. After taking advice from a bunch of different places, we are making some changes. From a couple of weeks back until now we have set our 401k deductions much higher to hit that $19,000 employee limit for each of us each year. I am estimating 31% of my paycheck and my wife`s is 38%. I am also setting aside an emergency fund of at least 6 months. Which will be roughly $10,000. I will keep it in our totals in each update though. Just to make things simpler in keeping count of our tally. I`ll be adding HSA as well. Now, comes the exciting part.
January 13, 2019 =
401K:
Me = $37,326.95
Wife = $25,337.03
Brokerage = $11,674.24
Emergency savings = $8300
Total =
$82,638.22
October 7, 2018 = $600
October 18, 2018 = $2500
November 1, 2018 = $5,995
November 15, 2018 = $9,273
November 29, 2018 = $11,340
December 13, 2018 = $13,155
December 25, 2018 = $15,396
Okay, now I am making a few adjustments by adding my 401K totals into the mix. For a long time I have not been checking mine or my wife`s balance and have been doing company match for several years now. After taking advice from a bunch of different places, we are making some changes. From a couple of weeks back until now we have set our 401k deductions much higher to hit that $19,000 employee limit for each of us each year. I am estimating 31% of my paycheck and my wife`s is 38%. I am also setting aside an emergency fund of at least 6 months. Which will be roughly $10,000. I will keep it in our totals in each update though. Just to make things simpler in keeping count of our tally. I`ll be adding HSA as well. Now, comes the exciting part.
January 13, 2019 =
401K:
Me = $37,326.95
Wife = $25,337.03
Brokerage = $11,674.24
Emergency savings = $8300
Total =
$82,638.22
Wow, what a nice surpise when you finally checked your balances!! Looks like you'll be moving on by mid-year!
October 7, 2018 = $600
October 18, 2018 = $2500
November 1, 2018 = $5,995
November 15, 2018 = $9,273
November 29, 2018 = $11,340
December 13, 2018 = $13,155
December 25, 2018 = $15,396
Okay, now I am making a few adjustments by adding my 401K totals into the mix. For a long time I have not been checking mine or my wife`s balance and have been doing company match for several years now. After taking advice from a bunch of different places, we are making some changes. From a couple of weeks back until now we have set our 401k deductions much higher to hit that $19,000 employee limit for each of us each year. I am estimating 31% of my paycheck and my wife`s is 38%. I am also setting aside an emergency fund of at least 6 months. Which will be roughly $10,000. I will keep it in our totals in each update though. Just to make things simpler in keeping count of our tally. I`ll be adding HSA as well. Now, comes the exciting part.
January 13, 2019 =
401K:
Me = $37,326.95
Wife = $25,337.03
Brokerage = $11,674.24
Emergency savings = $8300
Total =
$82,638.22
October 7, 2018 = $600
October 18, 2018 = $2500
November 1, 2018 = $5,995
November 15, 2018 = $9,273
November 29, 2018 = $11,340
December 13, 2018 = $13,155
December 25, 2018 = $15,396
Okay, now I am making a few adjustments by adding my 401K totals into the mix. For a long time I have not been checking mine or my wife`s balance and have been doing company match for several years now. After taking advice from a bunch of different places, we are making some changes. From a couple of weeks back until now we have set our 401k deductions much higher to hit that $19,000 employee limit for each of us each year. I am estimating 31% of my paycheck and my wife`s is 38%. I am also setting aside an emergency fund of at least 6 months. Which will be roughly $10,000. I will keep it in our totals in each update though. Just to make things simpler in keeping count of our tally. I`ll be adding HSA as well. Now, comes the exciting part.
January 13, 2019 =
401K:
Me = $37,326.95
Wife = $25,337.03
Brokerage = $11,674.24
Emergency savings = $8300
Total =
$82,638.22
Wow, what a nice surpise when you finally checked your balances!! Looks like you'll be moving on by mid-year!
To be fair though, Most of the 401k balances came from 15-18 previous years of passive small amounts from our bi-weekly pay. We started getting slightly more aggressive(6%) in the last 3 years. In combination to our brokerage and upping our 401k by a huge amount, things are going to be more interesting from here on out. 10 years(2019) is our goal, but we`ll probably be able to FIRE before then. I don`t want to FIRE earlier though. Unless we end up doing much better then my yearly hopeful expectations(+5%). 10 years will put us over 1 Million which is my goal. I don`t want to touch our 401K until at the earliest my wife`s, but that won`t be until 13 years. She is older than me(46), and we plan on drawing only 2% yearly(her 401K) once she turns 59 1/2 while drawing 2-3% from brokerage. My 401K won`t be touched for 21 years(I`m 38 now). That is fine because we should live fine off of the other two sources of income, plus whichever side jobs we may take when we FI. We have high goals in mind. Even if we only reach 75% or even 50%, it should be a pretty large amount compared to what we would have if we did nothing. Thanks @M5 !
P.S. I am sure to make adjustments to our plans. I am still learning the details about converting TIRA to a Roth. Mad Fientist is awesome!
October 7, 2018 = $600
October 18, 2018 = $2500
November 1, 2018 = $5,995
November 15, 2018 = $9,273
November 29, 2018 = $11,340
December 13, 2018 = $13,155
December 25, 2018 = $15,396
Okay, now I am making a few adjustments by adding my 401K totals into the mix. For a long time I have not been checking mine or my wife`s balance and have been doing company match for several years now. After taking advice from a bunch of different places, we are making some changes. From a couple of weeks back until now we have set our 401k deductions much higher to hit that $19,000 employee limit for each of us each year. I am estimating 31% of my paycheck and my wife`s is 38%. I am also setting aside an emergency fund of at least 6 months. Which will be roughly $10,000. I will keep it in our totals in each update though. Just to make things simpler in keeping count of our tally. I`ll be adding HSA as well. Now, comes the exciting part.
January 13, 2019 =
401K:
Me = $37,326.95
Wife = $25,337.03
Brokerage = $11,674.24
Emergency savings = $8300
Total =
$82,638.22
Wow, what a nice surpise when you finally checked your balances!! Looks like you'll be moving on by mid-year!
To be fair though, Most of the 401k balances came from 15-18 previous years of passive small amounts from our bi-weekly pay. We started getting slightly more aggressive(6%) in the last 3 years. In combination to our brokerage and upping our 401k by a huge amount, things are going to be more interesting from here on out. 10 years(2019) is our goal, but we`ll probably be able to FIRE before then. I don`t want to FIRE earlier though. Unless we end up doing much better then my yearly hopeful expectations(+5%). 10 years will put us over 1 Million which is my goal. I don`t want to touch our 401K until at the earliest my wife`s, but that won`t be until 13 years. She is older than me(46), and we plan on drawing only 2% yearly(her 401K) once she turns 59 1/2 while drawing 2-3% from brokerage. My 401K won`t be touched for 21 years(I`m 38 now). That is fine because we should live fine off of the other two sources of income, plus whichever side jobs we may take when we FI. We have high goals in mind. Even if we only reach 75% or even 50%, it should be a pretty large amount compared to what we would have if we did nothing. Thanks @M5 !
P.S. I am sure to make adjustments to our plans. I am still learning the details about converting TIRA to a Roth. Mad Fientist is awesome!
Sounds like you have some pretty solid goals! My wife and I constantly struggle on whether we want to continue doing jobs we don't enjoy that have killer benefits or just pull the plug in a few years. We could make it work either way but would definitely be forced to work in some capacity for several extra years if we quit what we're doing currently. I'm getting ready to turn 26, her 25 and if we continue until I'm 45 I can retire with free family medical for life and a minimum pension of about 30k/yr, possibly more. By that point our combined traditional TSP/401k balances should exceed $2M. Other than not enjoying our jobs, the rest of our lives could be a breeze financially.... tough decision
Lot of money moving around right now being end of year, so its hard to get a to-dollar amount. However for purposes of tracking:End of November NW: 98,999.81End of October NW: 92,808.68End of July NW: 84,495End of August NW: 88,430.58
End of Year projected NW: 104,324
End of Year projected NW: 105,233.73
End of September NW: 90,725.77
End of Year Projected NW: 105,847.91
Definitely a rougher month for me expense wise. Had $700 of work expenses that I covered up front, $750 in car repairs, weekend trips to Chicago and Toronto, and the girlfriend's birthday dinner/night out.
October should set up to be a nice month - very little out of the ordinary expenses, work expense reimbursement, and ~$1200 in net bonuses.
November should also be a nice month. Raise will go into effect beginning 11/1 and its a 3 paycheck month. Goal is now to hit 100k effective 11/30.
End of Year Projected NW: 103,981.71
Bleh stock market.
End of Year Projected NW: 103,693.80
End of December NW: 98,000.
Sucks man.
Lot of money moving around right now being end of year, so its hard to get a to-dollar amount. However for purposes of tracking:End of November NW: 98,999.81End of October NW: 92,808.68End of July NW: 84,495End of August NW: 88,430.58
End of Year projected NW: 104,324
End of Year projected NW: 105,233.73
End of September NW: 90,725.77
End of Year Projected NW: 105,847.91
Definitely a rougher month for me expense wise. Had $700 of work expenses that I covered up front, $750 in car repairs, weekend trips to Chicago and Toronto, and the girlfriend's birthday dinner/night out.
October should set up to be a nice month - very little out of the ordinary expenses, work expense reimbursement, and ~$1200 in net bonuses.
November should also be a nice month. Raise will go into effect beginning 11/1 and its a 3 paycheck month. Goal is now to hit 100k effective 11/30.
End of Year Projected NW: 103,981.71
Bleh stock market.
End of Year Projected NW: 103,693.80
End of December NW: 98,000.
Sucks man.
Checked my numbers today and it looks like I've graduated! $101,635!
Keep up the hard work everyone. I'll be seeing you all in the race to $250k thread before we know it!
Oh boy - I can join this thread now! I'm a bit premature, but I'll be over 10k with my next paycheck. :)
Jan 13th 2019: $6.5k!
Cheater!! :-p. Its always exciting to join one of these threads. So welcome.
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Dec 18: 88171
Jan 18: 88673
Wow, Hirondelle, you've really taken off in the last 3 months!
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
10/26/18: $64,270.98
11/27/18: $66,467.65
12/26/18: $66,160.59
Very happy with this December, spending was at the minimal but it was also a fun month.
01/28/18: $64,688.44
An unexpected month. First, had to buy a last minute airplane ticket to fly out to my uncles funeral. A few weeks later, booked airplane tickets to Costa Rica for a vacation, within a couple of days booked the hotels and rental car. Also did my last 2018 tax prepayment.
3/15/2018: $12,926.94
3/31/2018: $12,989.49
4/13/2018: $16,254.32
4/30/2018: $17,831.70
5/15/2018: $18,911.08
5/31/2018: $21,674.06
6/15/2018: $23,447.78
6/29/2018: $20,396.96
7/21/2018: $22,666.63
7/31/2018: $24,667.50
8/23/2018: $25,400.62
8/31/2018: $27,393.30
9/14/2018: $28,138.60
9/28/2018: $30,242.60
10/26/2018: $29,793.20
11/21/2018: $32,551.23
12/7/2018: $33,589.65
12/21/2018: $33,986.10
1/18/2019: $35,782.18
I think I forgot to update last paycheck. I'm on track to be debt-free by the end of the first quarter this year. In the meantime, shoving $800/mo into my IRA and paying down the last of my debt which is all at 0%. I'll be interested to see how much progress I make by 3/15/19, since it will have been exactly one year from joining this thread!
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
January 2018 - $10,713
February 2018 - $11,869
March 2018 - $14,175
April 2018 - $14,330
May 2018 - $14,592
August 2018 - $19,246
September 2018 - $20,031
October 2018 - $19,301
November 2018 - $20,523
December 2018 - $20,923
1st of October '18: 11,203
1st of November '18: 11,582
1st of December '18: 12,725
22nd of December' 18: 15,003
Last paycheck of the year included travel and commuting reimbursement as well as small 13th month. Hitting 15k in 2018 certainly feels like a mini milestone!
This is the last time I'll be tracking my private funds, as BF and me decided to pool all our resources from now on.
Joint NW Dec 18: 60,233
Hang in there, @LittleWanderer. You're not the only one on the slow and steady train!
Hang in there, @LittleWanderer. You're not the only one on the slow and steady train!
Thanks, @Tass! :) It's nice that there are a few of us slower folks still together from the old $10K thread!
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
Hello everyone. I just graduated into this thread from the saving to 10K. Going to be a slow but hopefully steady climb up through this thread as well.
I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big, and I just started it in July. My checking account is also not included as it has money I will likely spend this month. Money in retirement accounts that is not vested is also not included. Part of the big jump in between April and August is that part of my 401K vested 20%. My savings rate will probably be higher next year, as I am looking for a new job in a lower cost of living area, or if I keep my current job, the 401k match goes up to 6% for 4.5%.
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
June ended around 36,000 (estimate, was too busy to exactly keep track). July ends with my NW up to $38,676.
Happy with my progress, though I've been spendier than I should. On a plus side, it looks like I'll be taking a new job which should see a ~20% bump in pay, plus a nice sign on bonus. So my NW should begin to grow more quickly! Ohh and my commute will be dropping from 42 miles down to 2.5 miles! As a result I'll be saving a ton on gas and wear and tear on my car.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
12/15 -£2,61001/19 £68,210 (-£410 ~ -1% )
12/16 £5,250 (+£7,860 ~ +301%)
12/17 £10,810 (+£5,560 ~ +106%)
12/18 £68,620 (+£57,810 ~ +634%)
Jan $ 51,828I Was hoping to hit $100k at the end of 2018 but no such luck.
Feb $ 55,756
Mar $ 55,824
Apr $ 56,284
May $ 60,386
Jun $ 64,243
Jul $ 66,521
Aug $ 81,356
Sep $ 88,159
Oct $ 92.125
Nov $ 86,143
Dec $ 75,941
Well shit!
By that standard, my numbers are way off. While I don't include them in my FI progress, I do include cash and home equity in net worth calculation for this thread.
4/13/18: $14,324.672/6/19: $27,927.20
12/27/18: $20,377.45
£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
£55,765 Feb '18
£58,840 Mar '18
£61,802 Apr '18
£66,336 May '18
£70,866 Jun '18
£74,169 Jul '18
£78,963 Aug '18
£82,615 Sep '18
£79,540 Oct '18
£84,005 Nov '18
£87,300 Dec '18
£88,150 Jan '19
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Dec 18: 88171
Jan 18: 88673
Feb 18: 90575
90s baby!!!
ETA: just looked twice and holy crap, 16k in one year. On 41k take home pay in 2018 and a rather turbulent market, I'm quite happy at that! The perfectionist in me says that other people are pulling better numbers, but then again, the perfectionist in me is rather a twatwaffle. I'm gonna pat myself on the back for staying the course and not doing so much stupid shit with money.
@lexde you've been making some impressive jumps! Good luck with the house-buying.Thanks! I appreciate it. :-)
I broke over $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019. Couple items to note, rolled over a pension sum of almost $3k in November 18 due to changing jobs. Also received final employer match to my 401k in January 19 of about $1,600. Lastly I received $500 in an HSA contribution from my new employer. I offset my car's loan with the value of the car, and it was previously overstated by about 2k so I just switched that to be more of a balance. My plan is to fully depreciate the value as the loan is paid down.
All said, I'm increasing my NW by about 2k a month based on those figures and would hit 100k in about 37 months putting it out to about March 2022. I believe with an upcoming raise, bonus, and other small windfalls that come and go, I'm looking at a goal of December 31st 2021 to hit 100k. Current salary is 49k.
I'm not expecting to continue growing at the current pace, but it is conceivable that we will reach $100k in 2019.
Dec-2016: $32,870.70
Dec-2017: $58,271.55 (+ 25,400.85)
Dec-2018: $72,493.16 (+ 14,221.61)
The market drop helped me buy more shares at a cheaper price at the end of the year. While my net worth isnt where I thought it would be (ended November over $75K), the lower number now means Ill grow greater later (ideally). [Will this year be the year I reach 100K? I hope so!]
Dec-2016: $32,870.70
Dec-2017: $58,271.55 (+ 25,400.85)
Dec-2018: $72,493.16 (+ 14,221.61)
The market drop helped me buy more shares at a cheaper price at the end of the year. While my net worth isnt where I thought it would be (ended November over $75K), the lower number now means Ill grow greater later (ideally). [Will this year be the year I reach 100K? I hope so!]
Jan-2019: $ 81,866.77 (+ 9,373.61)
Markets not only went back up, but I received my annual interest + contribution into my pension, also received my 401k match, and lastly got my bonus which almost doubled what automatically went into my 401k on that paycheck (first world problem - I need to re-do the math on what my contributions should be for the rest of the year, oops.) My HSA also received a small lump sum from the company on top my my regular contributions. That's the best single month jump I have ever had; likely to not be repeated this year, but it's only a guess.
Unless markets tank, I think I will cross the 100k threshold this year. The thought makes my heart flutter.
Feb2019:$29,443 (+2343)-A decent month for me!
I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big, and I just started it in July. My checking account is also not included as it has money I will likely spend this month.
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
Jan2019: $27,100 (+3140)
Goal for 2019 is to make it to $45K.
February 2018 - $11,869
March 2018 - $14,175
April 2018 - $14,330
May 2018 - $14,592
August 2018 - $19,246
September 2018 - $20,031
October 2018 - $19,301
November 2018 - $20,523
December 2018 - $20,923
January 2019 - $21,742
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 18 $24.7k
Im in - I love this thread. We hit $50k last week and hope to double that by year end. Then I guess you will kick me out and Ill have to go find a bigger sandbox to play in.Today is Bonus day! See you guys in the next thread :)
Much of it is denominated in GBP so our net worth in USD will depend on whether May or Trump more adeptly shits the bed in 2018. Early money on May but theres a lot of year left...
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
June ended around 36,000 (estimate, was too busy to exactly keep track). July ends with my NW up to $38,676.
Happy with my progress, though I've been spendier than I should. On a plus side, it looks like I'll be taking a new job which should see a ~20% bump in pay, plus a nice sign on bonus. So my NW should begin to grow more quickly! Ohh and my commute will be dropping from 42 miles down to 2.5 miles! As a result I'll be saving a ton on gas and wear and tear on my car.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
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
1/18/2019: $35,782.18
2/15/2019: $43,365.46
3/1/2019: $44,391.15
March is a 3-paycheck month for me so I'm really looking forward to that NW boost!
1/18/2019: $35,782.18
2/15/2019: $43,365.46
3/1/2019: $44,391.15
March is a 3-paycheck month for me so I'm really looking forward to that NW boost!
The difference here is quite a bit. It almost looks like you had a 3-paycheck month there! What's the cause for the big jump?
3/1/19: $33,596.074/13/18: $14,324.672/6/19: $27,927.20
12/27/18: $20,377.45
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Dec 18: 88171
Jan 18: 88673
Feb 18: 90575
Mar 18: 91673
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Dec 18: 88171
Jan 18: 88673
Feb 18: 90575
Mar 18: 91673
you're re-doing 2018? ;)
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Dec 18: 88171
Jan1819: 88673
Feb1819: 90575
Mar1819: 91673
you're re-doing 2018? ;)
This way he/she can say they fired in less than 5 years!
12/15 -£2,61002/19 £64,060 (-£4,150 ~ -6% )
12/16 £5,250 (+£7,860 ~ +301%)
12/17 £10,810 (+£5,560 ~ +106%)
12/18 £68,620 (+£57,810 ~ +634%)
01/19 £68,210 (-£410 ~ -1%)
I dont post much on this forum anymore, but I finally rolled 100k!
Rounded numbers:
401k - 55k
Roth - 20k
Other stocks - 5k
Cash - 25k
Funny enough, I didnt think I was going to make it! I quit my job 3 weeks ago in order to attempt a thru-hike of the Appalachian Trail. I dont start the hike for another 3 weeks but took some time off to get everything in order.
Ive gotten a lot more cash heavy over the past 6 months to have a lot of cushion for the hike. Ill turn 25 while on trail, so Im still young and plenty of time to continue working.
Congrats! Keep on going, friend! You guys are so encouraging with your successes. We just got our tax return, and we're opening our IRA accounts with $2,000 each. We're hoping to break 100k by May or June.
Dec-2016: $32,870.70
Dec-2017: $58,271.55 (+ 25,400.85)
Dec-2018: $72,493.16 (+ 14,221.61)
Jan-2019: $ 81,866.77 (+ 9,373.61)
1/10/18: 53,071
1/11/18: 56,223 (+3152)
1/12/18: 60,605 (+4382)
1/01/19: 67,786 (+7181)
1/02/19: 75,133 (+7347)
1/03/19: 81,695 (+6562)
Favorable market continues, scary if it stays at this pace I could hit 100k by mid-year. My main goal was end of 2019 to hit 100k so I would be shocked if I didn't hit it, regardless of market shenanigans.
I recently found out that I need a medical procedure that will likely take me up to the out-of-pocket max on my insurance, which is $5,500.
I make a hair over $50k (the most money I've ever made in my life!)
Its been exactly one year since I first posted on this thread! With a gain of
$32,762.45 in net worth over that year. Now, Im almost halfway to $100K! Looks like I might get there by this time next year if things continue on like this (as I have been strategic and increased my salary by $20K in the last year, which happened in the last few months, and should show more over the course of next year).
Wooohooooo
Last month I was at 99,000
Just checked and I have made it! 102,000
Yaaaaayyyy!!!!!!
I broke over $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.
I'm increasing my NW by about 2k a month based on those figures and would hit 100k in about 37 months putting it out to about March 2022. I believe with an upcoming raise, bonus, and other small windfalls that come and go, I'm looking at a goal of December 31st 2021 to hit 100k. Current salary is 49k.
March 14, 2019: 91,383.01
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
10/26/18: $64,270.98
11/27/18: $66,467.65
12/26/18: $66,160.59
01/28/18: $64,688.44
An unexpected month. First, had to buy a last minute airplane ticket to fly out to my uncles funeral. A few weeks later, booked airplane tickets to Costa Rica for a vacation, within a couple of days booked the hotels and rental car. Also did my last 2018 tax prepayment.
Dec '17 18,146
Jan '18 23,607
Feb '18 27,000
Mar '18 29,008
Apr '18 30,100
May '18 35,030
Jun '18 36,700
July '18 39,000
Aug '18 40,150
Sep '18 42,500
Oct '18 43,300
Nov '18 44,500
Dec '18 48,380
Jan '19 51,210
Feb '19 53,000
Mar '19 55,075
We are getting hit with a 10,000 strata bill for roof repair in the next month (not even for our roof!)--thankfully my SO & I will split ours but it's still a bit disappointing. Ah well, onwards & upwards :)
We have got to get our roof done real soon. We have a smaller house but it will still be at least several thousand dollars. Thank God, we have the money to get it done.
We have got to get our roof done real soon. We have a smaller house but it will still be at least several thousand dollars. Thank God, we have the money to get it done.
...
3/31/2019: $48,303.11
Looks like I'm going to hit the halfway mark at $50K next month! Exciting stuff!
Yes! I look forward to your updates every time I post! We got this!...
3/31/2019: $48,303.11
Looks like I'm going to hit the halfway mark at $50K next month! Exciting stuff!
Yay, very exciting stuff @lexde !!! I love that we must have a similar posting schedule for updating this thread. Then I get to get caught up on your progress and cheer you on!
March 2018 - $14,175
April 2018 - $14,330
May 2018 - $14,592
August 2018 - $19,246
September 2018 - $20,031
October 2018 - $19,301
November 2018 - $20,523
December 2018 - $20,923
January 2019 - $21,742
February 2019 - $23,933
1/4 of the way there! :) That's exciting. I can't wait to hit $30K. Seeing that 3 is going to feel good.
I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big, and I just started it in July. My checking account is also not included as it has money I will likely spend this month.
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
Jan2019: $27,100 (+3140)
Feb2019:$29,443 (+2343)
Goal for 2019 is to make it to $45K.
Since repman has graduated to the $100k-250k group, I thought I would take up the mantle of linking to the spreadsheet (and updating it when I can).
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit#gid=0
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
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
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
Hi everyone. I spent 24 months in the Race to Positive Net Worth thread (https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-to-positive-net-worth/msg2279152/#msg2279152) and 2 months in Saving to $10K (https://forum.mrmoneymustache.com/throw-down-the-gauntlet/saving-to-$10k/msg2338014/#msg2338014). Happy to join everyone here now! I'm really starting to feel the momentum as things have started to turn positive for me, and can't wait to graduate from this thread too.
Mar 2019 $14,000
It feels so slow, but I have almost doubled in a year and a quarter, so I want to pat myself on the back for that. :)
£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
£55,765 Feb '18
£58,840 Mar '18
£61,802 Apr '18
£66,336 May '18
£70,866 Jun '18
£74,169 Jul '18
£78,963 Aug '18
£82,615 Sep '18
£79,540 Oct '18
£84,005 Nov '18
£87,300 Dec '18
£88,150 Jan '19
£90,813 Feb '19
First I sold off my full sized truck.
Have been getting everything ready for my family of 4 to become a family of 5 this Friday!
I've been using Personal Capital to track our net work for a few months, this will be a fun place to keep track and more importantly keep ourselves on the saving path! I've only used the site to factor investment/retirement accounts against mortgage and car loan balance, I have cash set aside for home improvements\emergency so I didn't want that money to show a inflated NW, also have not used homes value to factor into the calculation.
September 1, 2018 - $16,853
October 1, 2018 - $20,234
April 2, 2019 - $64,781 (forgot about updating this, but was pretty exciting to see!)
4/3/19: $57,285.553/1/19: $33,596.074/13/18: $14,324.672/6/19: $27,927.20
12/27/18: $20,377.45
2019
Jan 2019: 49,400
Feb 2019: 52,900
Mar 2019: 55,500
I've debated when it is most appropriate to recalculate real estate value, with the four options being (1) a monthly estimate, (2) an annual estimate, (3) after an appraisal, or (4) when sold/never. And then should rentals be recalculated differently from your own residence?
Obviously it's all for internal record keeping and makes no difference in reality, as the only time any gains are realized is when the property is sold.
I broke over $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.
I'm increasing my NW by about 2k a month based on those figures and would hit 100k in about 37 months putting it out to about March 2022. I believe with an upcoming raise, bonus, and other small windfalls that come and go, I'm looking at a goal of December 31st 2021 to hit 100k. Current salary is 49k.
3/20/19: $26,600. Lots of changes: Trip to Chicago complete. Bonus received. Salary bumped to over 50k!!!! We're moving to a townhouse from an apartment. This will affect my savings rate slightly, but we will remain resident property managers and continue to receive a discount on rent. Overall the changes are positive.
Now to await the final March paycheck and get back into the groove of things in the new place.
Its been a while since I posted, mostly I just got busy, but as of today I am at $97,192, not including emergency fund.Looks Like December is going to end up at about $ 75,941.Aug $ 81,356
Jul $ 66,521
Jun $ 64,243
May $ 60,386
Apr $ 56,284
Mar $ 55,824
Feb $ 55,756
Jan $ 51,828
Update time:
Sep $ 88,159
Aug $ 81,356
Oct $ 92.125
Nov $ 86,143
Looks like October to November took a bit of a nose dive.
Well shit!
Its been a while since I posted, mostly I just got busy, but as of today I am at $97,192, not including emergency fund.Looks Like December is going to end up at about $ 75,941.Aug $ 81,356
Jul $ 66,521
Jun $ 64,243
May $ 60,386
Apr $ 56,284
Mar $ 55,824
Feb $ 55,756
Jan $ 51,828
Update time:
Sep $ 88,159
Aug $ 81,356
Oct $ 92.125
Nov $ 86,143
Looks like October to November took a bit of a nose dive.
Well shit!
Almost there!
Dec-2016: $32,870.70
Dec-2017: $58,271.55 (+ 25,400.85)
Dec-2018: $72,493.16 (+ 14,221.61)
Hi everyone. I spent 24 months in the Race to Positive Net Worth thread (https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-to-positive-net-worth/msg2279152/#msg2279152) and 2 months in Saving to $10K (https://forum.mrmoneymustache.com/throw-down-the-gauntlet/saving-to-$10k/msg2338014/#msg2338014). Happy to join everyone here now! I'm really starting to feel the momentum as things have started to turn positive for me, and can't wait to graduate from this thread too.
Mar 2019 $14,000
12/15 -£2,61003/19 £74,350 (+£10,290 ~ +16% )
12/16 £5,250 (+£7,860 ~ +301%)
12/17 £10,810 (+£5,560 ~ +106%)
12/18 £68,620 (+£57,810 ~ +634%)
01/19 £68,210 (-£410 ~ -1%)
02/19 £64,060 (-£4,150 ~ -6%)
9/2017 (168,529.23)Those are some remarkable jumps, are you in sales where a lot of your earnings are variable?
10/2017 (156,730.67)
12/2017 (155, 778.96)
1/2018 (146,335.62)
2/2018 (146,208.20)
3/2018 (90,769.56) annual bonus
4/2018 (83,753.06)
6/2018 (73,857.57)
9/2018 (61,215.95)
10/2018 (51,434.89)
12/2018 $90,683.73 (sold a house)
01/2019 $96,400.22
02/2019 $150,040.56 (annual bonus)
I'm buying a place for my mom so I'll be back in a few months :)
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
Good to see you, @haypug16 ! You smashed the 10k challenge and I'm sure you'll be rocketing through here as well :)March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63 !!!
OMG y'all, my bills are paid for April so my next paycheck should do it.
I won't stay in the six figures once I get the medical bills (I do have to argue about one of them, ugh, I hate sh*t like that) and final invoices for the wedding. BUT STILL.
EOY 2014: 0
EOY 2015: 16,728
EOY 2016: 41,467
EOY 2017: 64,929
EOY 2018: 80,536
Jan 2019: 88,922
Feb 2019: 94,899
Mar 2019: 98,691
April 13, 2019 = 100,325.68
Thanks again, ya'll. See you in the next thread.
Thanks! I'm still having a hard time for this to sink in that we've saved $46,000 to break 100k in such a short time.April 13, 2019 = 100,325.68
Thanks again, ya'll. See you in the next thread.
Congrats @jojoguy! Well done.
Mid-April Update
3/31/2017 - (52,848.85) - Found MMM
3/31/2018 - $(14,916.69) - 1 year in
3/31/20919 - $9,917.20 - 2 years in
4/10/2019 - $10,440.08 - Joined 10k-100k race
4/15/2019 - $19,105.19 - $9,187.99 increase from 3/31/19
Big increase mostly due to the $6k bonus I got today :) but even without that about $3k is just from saving/paying down debt. I'll be going on maternity leave any moment now so I imagine the next 3 months will be a little slower in the gains but should still have upward momentum.
Lots of people very close to breaking into the 6 figures it gives this little stash guy some confidence that it can be done. Well done.
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
Lots of people very close to breaking into the 6 figures it gives this little stash guy some confidence that it can be done. Well done.
I know it is cliche to say it, but if I can do it, anybody can.
Hi All! I just finished the race to $10K so I'm jumping in here :) I've been anxiously awaiting my time to join this thread.
Starting post
3/31/2017 (52,848.85) - Found MMM
3/31/2018 $(14,916.69) - 1 year in
3/31/20919 $9,917.20 - 2 years in
4/10/2019 $10,440.08
According to my current calculations I will spend about 2 years in this race, though I think it could be faster once momentum from all my little employees picks up. I'm already starting to see this.
October 7, 2018 = $600
October 18, 2018 = $2500
November 1, 2018 = $5,995
November 15, 2018 = $9,273
November 29, 2018 = $11,340
December 13, 2018 = $13,155
December 25, 2018 = $15,396
January 26, 2019 = $78,191 (Added our 401Ks into the mix)
February 9, 2019 = $80,723.72
February 14, 2019 = $81,500.07
February 22, 2019 = $84,426.22
March 8, 2019 = 91581.06
March 24, 2019 = 96640.33
April 6, 2019 = 99886.50
April 13, 2019 = 100,325.68
Is this even real? We went from $54,000 in our 401ks that we had been contributing for 15 plus years in October to almost doubling our savings/investments in roughly a 6 month period. Unreal! I would have never thought it would be possible. You guys are the best! Seriously, the advice all of you give is above the highest economists in the world's advice, and you give it all away for free! Thanks again, ya'll. See you in the next thread.
I'm at 67k today! Started saving/investing seriously exactly 2 years ago, when I had about 5-10k. I expect I will hit 100k right before my next birthday at 28 (about 11 months) if I sell my car.
I've driven my car a total of 5 times the past year, so that's looking more and more likely, especially since my next apartment is right by the subway and doesn't have parking. I just really need to convince myself it's okay to do, I've never not had a car since I was 16 :O.
Congrats! I just turned 28 too. I'm in the same dilemma I put a total of 500 miles (most of which were people borrowing it) on my car last year. Living in a city with car2go's everywhere it makes less and less sense to hold on to it.
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
10/26/18: $64,270.98
11/27/18: $66,467.65
12/26/18: $66,160.59
01/28/18: $64,688.44
03/25/19: $63,325.75
Skipped a month. In the last 2 months, did my taxes, I was close on pre-payment but had to paid some more. Also, did the Costa Rica vacation and some work around the house. First 2019 tax pre-payment was sent out. Major expenses were Costa Rica vacation and the work I did on my GTI for a roadtrip to Montana.
20 Dec 18 - 37,800
16 Jan 19 - 39,900
1 Feb 19 - 41,500
15 Feb 19 - 43,362
March 2019 - 45,496
Mid March 2019 - 45,815
April 19 - 46,412
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 2019 is to make it to $45K.Apr2019: $33,959 (+2356)- Another good savings month, if this keeps up I should meet my end of year goal! Its amazing for me to think I am up almost $20K for a year seeing as I made/will make less than 50K a year.
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
Jan2019: $27,100 (+3140)
Feb2019:$29,443 (+2343)
Mar2019: $31,603 (+2160)
Mar 2019 $14,000
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
April 2018 - $14,330
May 2018 - $14,592
August 2018 - $19,246
September 2018 - $20,031
October 2018 - $19,301
November 2018 - $20,523
December 2018 - $20,923
January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
Today is the day!Aug $ 81,356Its been a while since I posted, mostly I just got busy, but as of today I am at $97,192, not including emergency fund.
Jul $ 66,521
Jun $ 64,243
May $ 60,386
Apr $ 56,284
Mar $ 55,824
Feb $ 55,756
Jan $ 51,828
Sep $ 88,159
Aug $ 81,356
Oct $ 92.125
Nov $ 86,143 Looks like October to November took a bit of a nose dive.
Looks Like December is going to end up at about $ 75,941.
Well shit!
Almost there!
EOY 2014: 0
EOY 2015: 16,728
EOY 2016: 41,467
EOY 2017: 64,929
EOY 2018: 80,536
Jan 2019: 88,922
Feb 2019: 94,899
Mar 2019: 98,691
Apr 2019: 104,580
--------------
100,647.74
So its off to the next thread! See you there
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674.39
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
April 2019 Update
3/31/2017 (52,848.85) - Found MMM
3/31/2018 $(14,916.69) - 1 year in
3/31/2019 $9,917.20 - 2 years in
4/30/2019 $19,835.78 +9,918.58 increase
Baby Puglet has arrived and Maternity leave has started. I will be without income for a little while until my Short Term Disability kicks in so I imagine May is going to have a much smaller increase than most months.
I broke $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.
3/20/19: $26,600.
If all goes well i'll be at $30k by Mid May.
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
April 19, 2019: 100,517.92
Major congratulations on the puglet, @haypug16 !March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
April 19, 2019: 100,517.92
May 3, 2019: 100,567.21
I'm only still in six figures because I updated a bunch of retirement accounts, which I only do erratically. I'll be out of the six figure club for a good long while as of the next update in, because that's when final payments for wedding vendors are going to start coming due.
Still managing the medical stuff without totally zeroing out my medical sinking fund, which has been good. I had put on my big girl pants to dispute some charges with my provider--any tips for managing US medical fuckery would be welcome. This is the first time as an adult that I've ever needed something more complicated than an annual well-woman exam or a round of antibiotics.
Dec-2016: $32,870.70
Dec-2017: $58,271.55 (+ 25,400.85)
Dec-2018: $72,493.16 (+ 14,221.61)
There was a choosefi podcast that had someone on who negotiated much of his medical debt down by disputing individual line items (like a $10 roll of TP). Might be worth a listen.
£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
£55,765 Feb '18
£58,840 Mar '18
£61,802 Apr '18
£66,336 May '18
£70,866 Jun '18
£74,169 Jul '18
£78,963 Aug '18
£82,615 Sep '18
£79,540 Oct '18
£84,005 Nov '18
£87,300 Dec '18
£88,150 Jan '19
£90,813 Feb '19
£93,933 Mar 19
£99,661 Apr '19
2019
Jan 2019: 49,400
Feb 2019: 52,900
Mar 2019: 55,500
Apr 2019: 59,500
Welcome to the party @jiimmy . Good luck on hitting your goal of graduating by 2019!
@jiimmy even between '11 and '17 that's pretty awesome progress for someone claiming to gooff off and do little paid work. At this pace you'll be graduated in no time!
I'm a little late to the party here. Hope to graduate to the next tread by the end of 2019:
1/1/2011 $7,457.97
1/1/2012 $17,228.76
1/1/2013 $40,480.11
1/1/2014 $39,129.08
1/1/2015 $52,439.23
1/1/2016 $51,321.29
1/1/2017 $40,381.29
1/1/2018 $48,063.59
1/1/2019 $62,472.51
Today, 5/18/2019: ~80k
2013 through 2017 included a lot of goofing off and very little paid work. Grand total of $240k gross earned income from 1/1/2011 through today. Now I'm back to the 9-5 life and making some real progress!
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
April 19, 2019: 100,517.92
May 3, 2019: 100,567.21
Welcome to the party @jiimmy . Good luck on hitting your goal of graduating by 2019!
Thank you for the warm welcome, and I see you're very close to graduating yourself, congrats! Six figures in the red to six figures in the black in just a few years is damn impressive.
May 2018 - $14,592
August 2018 - $19,246
September 2018 - $20,031
October 2018 - $19,301
November 2018 - $20,523
December 2018 - $20,923
January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
Well I certainly jinxed it last month.. The market completely wiped out the savings I managed to have this month. I guess in another way of looking at it, I managed to offset a tough market month through some great savings (glass half full).
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
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 2019 is to make it to $45K.
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
Jan2019: $27,100 (+3140)
Feb2019:$29,443 (+2343)
Mar2019: $31,603 (+2160)
Apr2019: $33,959 (+2356)
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
Just discovered MMM and this is my first post here. It's really inspiring seeing all the awesome stories here and the healthy mentality about money and spending. I'm not sure what the correct format for here is but i'll just go ahead and splatter all the info that seems pertinent and then update next month and refine over time.
Income - 9,648.82 ( $2430.14 from full time employment / $6618.66 from part time job / $600 in rent )
Spending - $3,028.07
Cash- $8,676.52
401(k)- $16,055.13
Mortgage - $143,320.46 at 3.25 % Interest
Please let me know if you have any tips or tweaks to help me along!
Odd that your mortgage balance would have gone up month over month. Might wanna double check the may number.Just discovered MMM and this is my first post here. It's really inspiring seeing all the awesome stories here and the healthy mentality about money and spending. I'm not sure what the correct format for here is but i'll just go ahead and splatter all the info that seems pertinent and then update next month and refine over time.
Income - 9,648.82 ( $2430.14 from full time employment / $6618.66 from part time job / $600 in rent )
Spending - $3,028.07
Cash- $8,676.52
401(k)- $16,055.13
Mortgage - $143,320.46 at 3.25 % Interest
Please let me know if you have any tips or tweaks to help me along!
May Data
Income - $3914.39 ( $3314.39 from full time employment / $0.00 from part time job / $600 in rent )
Spending - $3,367.90 (1948.54 From Travel)
Cash- $10,784.35
401(k)- $15,805.27
State Retirement Account - $8,530.54
Mortgage - $143,589.34 at 3.25 % Interest
Total Estimated Net Worth $35,120.16
Some details that stand out from this past month. My part time job (Realtor) produced nothing this month, however I have a couple closings coming up and am well on the way to my yearly goal, so that is fine. My spending IS higher than last month, however there are a few major life expenditures that are catching me at the moment (engagement ring, travel) that actually will cost me around $4,500 over the next two months. All that to say, beyond the actual huge expense of plane tickets my daily spending habits changed from $3,028.07 to 1,419.36 in the month. There were a lot of things I spent money on that were unnecessary but I feel like I've made a HUGE step forward with this spending decrease. Oh also I discovered I had an extra retirement account with $8,530.54 in it... so that was cool :)
See y'all next month.
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
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
10/26/18: $64,270.98
11/27/18: $66,467.65
12/26/18: $66,160.59
01/28/18: $64,688.44
03/25/19: $63,325.75
04/24/19: $65,022.87
Didn't have much expenses this month so I booked future planned trips, hotels, tickets and entertainment since the CC was lower than usual.
Mar 2019 $14,000
Apr 2019 $12,700
I broke $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.
3/20/19: $26,600.
If all goes well i'll be at $30k by Mid May.
On 5/15/19 I will undoubtedly be over 30k (closer to $31-32k) and should continue going up from there!
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
More investment declines. I know it's only temporary, but I don't like seeing things move that direction.
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
More investment declines. I know it's only temporary, but I don't like seeing things move that direction.
Just curious, what are you invested in that you saw a ~25% drop?
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
More investment declines. I know it's only temporary, but I don't like seeing things move that direction.
Just curious, what are you invested in that you saw a ~25% drop?
I've no idea what Optimiser's situation is, but it's possible that they have both large assets and large debts (like if they're counting a mortgage), and the drop therefore represents a much smaller percentage of their assets than of their NW.
Dec-2016: $32,870.70
Dec-2017: $58,271.55 (+ 25,400.85)
Dec-2018: $72,493.16 (+ 14,221.61)
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
More investment declines. I know it's only temporary, but I don't like seeing things move that direction.
Just curious, what are you invested in that you saw a ~25% drop?
I've no idea what Optimiser's situation is, but it's possible that they have both large assets and large debts (like if they're counting a mortgage), and the drop therefore represents a much smaller percentage of their assets than of their NW.
Dec 2017 14.300
June 2018 23.300 (+9k over 6 months)
Dec 2018 35.600 (+13.3k over 6 months)
Jan 2019 39.000 (+3.400)
Feb 2019 40.700 (+1.700)
Mar 2019 42.400 (+1.700)
Apr 2019 44.900 (+2.500)
May 2019 46.200 (+1.300)
4/13/18: $14,324.67
12/27/18: $20,377.45
2/6/19: $27,927.20
3/1/19: $33,596.07
4/3/19: $57,285.55
5/7/19: $61,326.50
6/10/19: $62,992.97
Here's the June update for the unexpected expense expector household:Wow - a 18k swing since January?
2014 Jan: (129,703.05)
2015 Jan: (115,355.51)
2016 Jan: (82,545.00)
2017 Jan: 2,693.77
2018 Jan: 48,429.84
2019
January: 79,517.63
February: 87,532.51
March: 91,151.25
April: 95,594.61
May: 97,569.98
...
2019 Jul: 100,000 (GOAL)
A decent gain considering the overall market in May. I also updated the spreadsheet.
Here's the June update for the unexpected expense expector household:Wow - a 18k swing since January?
2014 Jan: (129,703.05)
2015 Jan: (115,355.51)
2016 Jan: (82,545.00)
2017 Jan: 2,693.77
2018 Jan: 48,429.84
2019
January: 79,517.63
February: 87,532.51
March: 91,151.25
April: 95,594.61
May: 97,569.98
...
2019 Jul: 100,000 (GOAL)
A decent gain considering the overall market in May. I also updated the spreadsheet.
I broke $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
11/30/18: $36,219
12/31/18: $36,235
1/15/19: $44,961
1/31/19: $52,928
2/16/19: $57,672
2/28/19: $61,806
3/16/19: $64,611
3/29/19: $72,482
4/15/19: $76,177
4/30/19: $99,041
5/31/19: $96,807
6/14/19: $100,709 (+3902)
Well this was a surprise to see this morning. Although we're a little heavy on the cash side right now and we have some significant purchases coming up that will deplete our funds over the next couple weeks. I'll probably stay in this thread until after next paycheck (or two) to see where we've truly netted out and to make sure we're actually ready fo the next race.
Either way, we're pretty stoked to have seen 100k NW for the first time ever!
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
11/30/18: $36,219
12/31/18: $36,235
1/15/19: $44,961
1/31/19: $52,928
2/16/19: $57,672
2/28/19: $61,806
3/16/19: $64,611
3/29/19: $72,482
4/15/19: $76,177
4/30/19: $99,041
5/31/19: $96,807
6/14/19: $100,709 (+3902)
Well this was a surprise to see this morning. Although we're a little heavy on the cash side right now and we have some significant purchases coming up that will deplete our funds over the next couple weeks. I'll probably stay in this thread until after next paycheck (or two) to see where we've truly netted out and to make sure we're actually ready fo the next race.
Either way, we're pretty stoked to have seen 100k NW for the first time ever!
Congrats, @zeli2033!! I have to admit I'm always a little jealous of those of you who graduate so quickly. Nice job!!Hadn't picked up on that. +90k in less than a year is pretty darn impressive indeed.
Hi all, first post!
06/2019 Assets: £137,542 Liabilities £93,430 NW £44,112
Welcome @TerrierTown
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
11/30/18: $36,219
12/31/18: $36,235
1/15/19: $44,961
1/31/19: $52,928
2/16/19: $57,672
2/28/19: $61,806
3/16/19: $64,611
3/29/19: $72,482
4/15/19: $76,177
4/30/19: $99,041
5/31/19: $96,807
6/14/19: $100,709 (+3902)
Well this was a surprise to see this morning. Although we're a little heavy on the cash side right now and we have some significant purchases coming up that will deplete our funds over the next couple weeks. I'll probably stay in this thread until after next paycheck (or two) to see where we've truly netted out and to make sure we're actually ready fo the next race.
Either way, we're pretty stoked to have seen 100k NW for the first time ever!
8/31/18: $12,784
9/17/18: $14,547
9/28/18: $22,476
10/15/18: $24,956
10/31/18: $27,980
11/15/18: $30,081
11/30/18: $36,219
12/31/18: $36,235
1/15/19: $44,961
1/31/19: $52,928
2/16/19: $57,672
2/28/19: $61,806
3/16/19: $64,611
3/29/19: $72,482
4/15/19: $76,177
4/30/19: $99,041
5/31/19: $96,807
6/14/19: $100,709 (+3902)
Well this was a surprise to see this morning. Although we're a little heavy on the cash side right now and we have some significant purchases coming up that will deplete our funds over the next couple weeks. I'll probably stay in this thread until after next paycheck (or two) to see where we've truly netted out and to make sure we're actually ready fo the next race.
Either way, we're pretty stoked to have seen 100k NW for the first time ever!
Congrats, @zeli2033!! I have to admit I'm always a little jealous of those of you who graduate so quickly. Nice job!!
This looks fun, and might help me stay motivated. I will leanfire with a paid off house at $360,000. So in other words, im a million miles away still.
I think our numbers will qualify when I update July 1st (or close enough :).
I have been tracking in excel since January this year.
Combined NW:
2019
Jan: -$7,248
Feb: -$6,093
Mar: -$1,081
Apr: $1,221
May: $4,418
Jun: $5,562
This looks fun, and might help me stay motivated. I will leanfire with a paid off house at $360,000. So in other words, im a million miles away still.
I think our numbers will qualify when I update July 1st (or close enough :).
I have been tracking in excel since January this year.
Combined NW:
2019
Jan: -$7,248
Feb: -$6,093
Mar: -$1,081
Apr: $1,221
May: $4,418
Jun: $5,562
Good luck with it. I'm sure you'll make some good progress.
I started in the saving to 10k thread. It's very motivational. I think you get more feedback in there than you do on this thread and I would definitely recommend starting in there.
I'd also recommend reading the 'don't pay of your mortgage' thread if you haven't already!
Thanks! I am over 10k today, so by my July update I would have to leave the 10k thread anyways, so I figured Id post in this thread.
I don't have a mortgage (yet), and believe me, at 3% I would not pay one cent over the minimum.
And good luck to you too, I hope you reach your goals! (unless you're a blue) ;)
Net worth tracking:
05/01/19: $25,501
Only place to go is up from here!!! My goal is $100,000 by Jan 2021.
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 2019 is to make it to $45K.Jun2019: $37928.82 (+3995)- Those stocks on sale are finally paying off! Good job everyone who has graduated or joined!
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
Jan2019: $27,100 (+3140)
Feb2019: $29,443 (+2343)
Mar2019: $31,603 (+2160)
Apr2019: $33,959 (+2356)
May2019 $33,933 (-$26)
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
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
April 19, 2019: 100,517.92
May 3, 2019: 100,567.21
May 20, 2019: 98,698.52
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
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
August 2018 - $19,246
September 2018 - $20,031
October 2018 - $19,301
November 2018 - $20,523
December 2018 - $20,923
January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575
Wedding: done! Honeymoon: done! Both were lovely.
Hi all, first post!01 Jul 2019 NW £46,737
01 Jun 2019 NW £44,112
Dec-2016: $32,870.70
Dec-2017: $58,271.55 (+ 25,400.85)
Dec-2018: $72,493.16 (+ 14,221.61)
4/13/18: $14,324.67
12/27/18: $20,377.45
2/6/19: $27,927.20
3/1/19: $33,596.07
4/3/19: $57,285.55
5/7/19: $61,326.50
6/10/19: $62,992.97
Nov 2018- $23,000July 2019- $60,600
Dec 2018- $26,000
Jan 2019- $29,000
Feb 2019- $36,000
March 2019- $40,000
April 2019- $43,000
May 2019- $48,000
June 2019- $54,000
7/19: $96,745.04 (+6,329.74)
Reporting early since I'm about to go out of town. Getting very close, though my net worth keeps vacillating with the market. I'm not convinced I'll stay above the threshold once I reach it...
Just graduated from the 50k thread, figured I'd join this one. My savings journey after graduating from university started at about 10k, so this thread is appropriate. Here's my recorded history:
January 2018: $18,944.35
February 2018: $22,047.46
March 2018: $23,463.61
April 2018: $24,224.19
May 2018: $26,173
Jun 2018: $29,519.62
October 2018: $29,676.50
November 2018: $32,923.90
December 2018: $34,394.85
January 2019: $39,825.43
February 2019" $43,508.66
April 2019: $48,394.91
July 2019: $65,536.55 (+$17,141.64)
The reason fro the big jump during the last three months is because as a teacher, a portion of my paycheque is withheld each month. This was all paid out to me at the beginning of July. Essentially I got three paycheques at once (June, July, and August). But this also means I won't be getting my next paycheque until the end of September. It was a tough year, so I do plan on using some of this money to vacation, but I don't expect to fall below $58,000 before my September paycheque. I also have small amounts of money trickling in from side hustles.
Goal is to each $100,000 by Summer 2020. A good chunk of this will be used as a downpayment, but I won't be purchasing until 2021 at the earliest.
Just contacted my former pension plan. Commuted value is difficult to calculate and I'll get a figure in six months. But I was assured I will get at least my contributions + interest, so: $6,826.01
So my current net worth:
$65,536.55 + $7,678.96 + $6,826.01 = $80,041.52 Woot!
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
April 19, 2019: 100,517.92
May 3, 2019: 100,567.21
May 20, 2019: 98,698.52
July 1, 2019: 97,874.14
June: 104,249.52
...2019 Jul: 100,000 (GOAL)
We did it! A month ahead of the goal! I'll show myself out now and look forward to seeing you all soon in the next thread!
June: 104,249.52
...2019 Jul: 100,000 (GOAL)
We did it! A month ahead of the goal! I'll show myself out now and look forward to seeing you all soon in the next thread!
Congratulations on your success! I hope to see you in there by the end of August!
Aug 15: 5327 (found MMM)
Jan 16: 12700
Jan 17: 31444
Jan 18: 73227
Feb 18: 74628
Mar 18: 75981
Apr 18: 75766
May 18: 77414
Jun 18: 81980
Jul 18: 82825
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029
Nov 18: 85620
Dec 18: 88171
Jan 19: 88673
Feb 19: 90575
Mar 19: 91673
Apr 19: 93802
May 19: 95808
Jun 19: 97470
Jul 19: 100741
Wait WHAT!! I made it!! I definitely wasn't expecting it. In fact, I completely forgot to check my networth at the beginning of the month, only just did it. I got a very generous 2k gift from my parents (thank you, mom and dad!) and the markets were very nice to me as well.
So I guess I graduate this thread earlier than I anticipated! Thank you all for the support along the way! See you all in the next thread :)
Hiya, I've recently discovered this forum and thought I'd join the race
27F, single
Savings: 10.6K
Debt: 1.3K (at 0.01%)
NW: 9.288.21
I will start with investments next month once I've figured out the best vehicle. I won't count my pension, because I can't touch that until I'm 68. My goal for the end of the year is NW of 14.500, which would be 11.600 up from Jan 2019. I think at this pace it will take me at least 5 years. Sounds awefully slow compared to lots of you, guys!
Hiya, I've recently discovered this forum and thought I'd join the race
27F, single
Savings: 10.6K
Debt: 1.3K (at 0.01%)
NW: 9.288.21
I will start with investments next month once I've figured out the best vehicle. I won't count my pension, because I can't touch that until I'm 68. My goal for the end of the year is NW of 14.500, which would be 11.600 up from Jan 2019. I think at this pace it will take me at least 5 years. Sounds awefully slow compared to lots of you, guys!
Welcome to the forum and the races, dont worry about the pace too much! 100k saved in 5 years or so is already better than 95% of people on the planet. Its been almost 5 years since I found MMM, and Im now hitting 100k. Took the first year to get to 10k, then 2.5 more to get to 50k, now Im up almost 50k in the last 1.5 years. Itll go faster and faster for you as you earn more, save more and start getting compounded returns. You will have huge figures invested in no time if you get the saving and investing on autopilot.
Hiya, I've recently discovered this forum and thought I'd join the race
27F, single
Savings: 10.6K
Debt: 1.3K (at 0.01%)
NW: 9.288.21
I will start with investments next month once I've figured out the best vehicle. I won't count my pension, because I can't touch that until I'm 68. My goal for the end of the year is NW of 14.500, which would be 11.600 up from Jan 2019. I think at this pace it will take me at least 5 years. Sounds awefully slow compared to lots of you, guys!
Welcome to the forum and the races, dont worry about the pace too much! 100k saved in 5 years or so is already better than 95% of people on the planet. Its been almost 5 years since I found MMM, and Im now hitting 100k. Took the first year to get to 10k, then 2.5 more to get to 50k, now Im up almost 50k in the last 1.5 years. Itll go faster and faster for you as you earn more, save more and start getting compounded returns. You will have huge figures invested in no time if you get the saving and investing on autopilot.
To add to that; most people get there faster than they anticipated (for some awesome examples, check the 'Long term NW goals' thread). You may get raises, find a side gig, your investments may take off once you've started them, you may get creative in cutting costs.
When I started in this thread I thought I'd end my 4 year job contract with about 60k, now I expect it to be in the 90-100k range because apparently I spend less and earn more than 2017 me expected.
25-6-2018 29.879,12 ------> Started TrackingLiking the Sinterklaas challenge. Make sure are a good kid and things will go your way. :-)
25-7-2018 30.749,12
25-8-2018 31.993,17
25-9-2018 33.185,00 ------> Found MMM
25-10-2018 34.433,66
25-11-2018 35.556,00
25-12-2018 41.939,62
25-1-2019 42.082,47
25-2-2019 44.338,00
25-3-2019 46.218,65
25-4-2019 47.829,00
03-6-2019 49.478,00
05-7-2019 52.722,00
25-7-2019 54.736,00
New graduate from the race to 50k thread joining in, already used that to track net worth, so no adjustments needed.
I'm a 26 year old guy, living together with my GF in one of the bigger Dutch cities. We are lucky enough to both make decent money for our age and Dutch standards, but rent is rather high. A big part of the numbers above is my half of the down payment we're saving up. GF is very frugal, and I've only just cathced up with her money wise: joint NW is slightly over 100K now! We keep finances separated, so I'll be tracking for myself only.
First six months of 2019 were very fortunate for me: vacation pay, extra monthly pay as a bonus and two holidays that were less expensive than expected. Now it's just hoping I can continue the streak. Next goal: 60k on the 5th of december ("Sinterklaas").
Best of luck to everyone posting and reading here, happy stashing!
I will start with investments next month once I've figured out the best vehicle. I won't count my pension, because I can't touch that until I'm 68. My goal for the end of the year is NW of 14.500, which would be 11.600 up from Jan 2019. I think at this pace it will take me at least 5 years. Sounds awefully slow compared to lots of you, guys!
I broke $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.
With my paycheck tomorrow and the recent gains in market i'm around 32650 after a few minor expenses are paid out in the next few days. So 4 months since 25k and i'm at 32650. A change of 7650 / 4 is about 1912 a month.
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
10/26/18: $64,270.98
11/27/18: $66,467.65
12/26/18: $66,160.59
01/28/18: $64,688.44
03/25/19: $63,325.75
04/24/19: $65,022.87
06/04/19: $63,056.67
Did a Memorial Day roadtrip. Bought some parts for project car and also finished buying all the parts for 100k mile maintenance on my daily. Expenses were up for wine/food/going out. Also bought camping gear for my upcoming July roadtrip. Quarterly taxes were also paid.
Got back from my trip, and opened Personal Capital to see a net worth of $100,555.32. Wow.
The number isn't really real because I owe my wife for my half of July rent and our vacation expenses, but I still wanted to mark the moment. We'll see if I can get it back up again by 8/1.
May 2016 $ -11,982.00
June 2016 $ -7,244.00
July 2016 $ -4,158.00
August 2016 $
As of writing this I'm currently at $59.98
First time reaching a positive NW.
Well, haven't posted in about 2 years.
July 2018 $81,402.18
Couldn't have done it without the support from MMM and you all.
Hopefully hit the 100k mark by the end of this year.
August 2018 - $19,246
September 2018 - $20,031
October 2018 - $19,301
November 2018 - $20,523
December 2018 - $20,923
January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575
June 2019 - $27,758
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
June 2019 $11,500
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
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 2019 is to make it to $45K.Jul2019: $39,736.10 (+1808)- I also am so close to 40K, I hope to be there next month.
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
Jan2019: $27,100 (+3140)
Feb2019: $29,443 (+2343)
Mar2019: $31,603 (+2160)
Apr2019: $33,959 (+2356)
May2019: $33,933 (-$26)
Jun2019: $37,928 ( +3995)
Combined NW:Jul: $7,408
2019
Jan: -$7,248
Feb: -$6,093
Mar: -$1,081
Apr: $1,221
May: $4,418
Jun: $5,562
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
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
6/30: $5828.16
8/1: $15412.83 (+$9586.67)
8/31: $19351.65 (+$3938.82)
9/31: $25450 (+$6099)
11/1: $29805 (+$4355)
12/3: $35490 (+$5685)
1/3: $41338 (+$5848)
1/31: $50090 (+$8752)
3/1: $55312 (+$5222)
4/1: $60134 (+4822)
5/1: $67265 (+7131)
6/1: $65585 (-1680)
7/1: $69963 (+4378)
8/1: $77286 (+7323)
Goal December 2019: $100k
Hoping for graduation by the end on the month!
Depending on the market, we could have four people graduate this month, which is pretty cool.
I thought about having a "no-spend" month just to ensure that I hit 100k in August. It's a silly idea, since I would probably only be delaying purchases to future months and not actually doing anything productive. I'd still be investing the same amount and would at best increase cash reserves at the cost of things that bring me joy. Worst case is that the market would go cattywampus, and the month of deprivation would be for nothing.
You're so close that a 0.01% change in the market could push you over.
I broke $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.
With my paycheck tomorrow and the recent gains in market i'm around 32650 after a few minor expenses are paid out in the next few days. So 4 months since 25k and i'm at 32650. A change of 7650 / 4 is about 1912 a month.
My 8/2/19 balance (3 paychecks since last update) will be around $37,000 once paycheck, rent, and reimbursement from GF all settles. Solid gain for 1.5 months given my income.
Dec-2016: $32,870.70
Dec-2017: $58,271.55 (+ 25,400.85)
Dec-2018: $72,493.16 (+ 14,221.61)
QuoteDec-2016: $32,870.70
Dec-2017: $58,271.55 (+ 25,400.85)
Dec-2018: $72,493.16 (+ 14,221.61)
Jan-2019: $81,866.77 (+ 9,373.61)
Feb-2019: $87,222.31 (+ 5,355.54)
Mar-2019: $88,865.95 (+ 1,643.64)
Apr-2019: $93,050.94 (+ 4,184.99)
May-2019: $91,719.70 ( - 1,331.24)
Jun-2019: $95,665.54 (+ 3,945.84)
Jul-2019: $99,502.49 (+ $3,865.95)
Well, I got the July 31 number just before the markets went downward, so Im not sure Im going to graduate this month. But well see, well see..
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
April 19, 2019: 100,517.92
May 3, 2019: 100,567.21
May 20, 2019: 98,698.52
July 1, 2019: 97,874.14
July 12, 2019: 99,582.15
Oh man, within $500, so close! I made it to within one pay check of graduating, but now its looking like 2 or3 to get there.
August 9, 2019: 101,008.36
For real this time, even after getting whacked by the market.
It's been real y'all. Thanks for the accountability, and best wishes to my fellow not-super-high-earners who are out there grinding. If I can do it, you can!
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
April 19, 2019: 100,517.92
May 3, 2019: 100,567.21
May 20, 2019: 98,698.52
July 1, 2019: 97,874.14
July 12, 2019: 99,582.15
August 9, 2019: 101,008.36
For real this time, even after getting whacked by the market.
It's been real y'all. Thanks for the accountability, and best wishes to my fellow not-super-high-earners who are out there grinding. If I can do it, you can!
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
April 19, 2019: 100,517.92
May 3, 2019: 100,567.21
May 20, 2019: 98,698.52
July 1, 2019: 97,874.14
July 12, 2019: 99,582.15
August 9, 2019: 101,008.36
For real this time, even after getting whacked by the market.
It's been real y'all. Thanks for the accountability, and best wishes to my fellow not-super-high-earners who are out there grinding. If I can do it, you can!
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
April 19, 2019: 100,517.92
May 3, 2019: 100,567.21
May 20, 2019: 98,698.52
July 1, 2019: 97,874.14
July 12, 2019: 99,582.15
August 9, 2019: 101,008.36
For real this time, even after getting whacked by the market.
It's been real y'all. Thanks for the accountability, and best wishes to my fellow not-super-high-earners who are out there grinding. If I can do it, you can!
March 14, 2019: 91,383.01
March 22, 2019: 96,571.66
April 12, 2019: 99,627.63
April 19, 2019: 100,517.92
May 3, 2019: 100,567.21
May 20, 2019: 98,698.52
July 1, 2019: 97,874.14
July 12, 2019: 99,582.15
Well done! The hardest parts are done, apparently :) Keep trucking.
August 9, 2019: 101,008.36
For real this time, even after getting whacked by the market.
It's been real y'all. Thanks for the accountability, and best wishes to my fellow not-super-high-earners who are out there grinding. If I can do it, you can!
I broke $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.
With my paycheck tomorrow and the recent gains in market i'm around 32650 after a few minor expenses are paid out in the next few days. So 4 months since 25k and i'm at 32650. A change of 7650 / 4 is about 1912 a month.
My 8/2/19 balance (3 paychecks since last update) will be around $37,000 once paycheck, rent, and reimbursement from GF all settles. Solid gain for 1.5 months given my income.
A quick Trip to Kansas and some market schenanigans and suddenly my estimate is almost 1800 dollars off. Great :P
Update Time
30-Apr-18 37941
24-May-18 40069
18-Jun-18 41679
16-Jul-18 46413
13-Aug-18 52974
17-Sep-18 58683
24-Oct-18 60645
Update Time
30-Apr-18 37941
24-May-18 40069
18-Jun-18 41679
16-Jul-18 46413
13-Aug-18 52974
17-Sep-18 58683
24-Oct-18 60645
Posting almost after about 10 months. Change in job and some more personal stuff to handle so wasn't active. Hope to be more regular -
23-Aug-19 - 84161
01/06/2018: -60
01/01/2019: 2875.28
01/07 2019: 9288.2
01/08/2019: 10.485.05 good month 😀
01/01/2020: 14.500 Goal
Well, I just barely touched 100k, Ill make an official call of graduation hopefully at the end of the week/month if it sticks, or the market will drag me right back in this race for a while, who knows.
You can never leave us.
Back up! I made a plan to save at least 10k before 2020, hope I can stick to it! Rebalanced my investments to be full ethical, I don't contribute to terrible companies anymore yay!
2018
Jan1 - 63.8k
Feb1 - 64.0k (+200)
Mar 1 - 65.0k (+1000)
Apr 1 - 65.4k (+400)
May 1 - 67.5k (+2100)
June 1 - 69.5k (+2000)
July 1 - 72.3k (+2800)
Aug 1 - 74.0k (+1700)
Sept 1 - 76.7k (+2700)
Oct 1 - 79.6k (+2900)
Nov 1 - 79.5k (-100)
Dec 1 - 81.8k (+2300)
2019
Jan 1 - 82.5k (+700)
Feb 1 - 86.6k (+4100)
Mar 1 - 89.7k (+3100)
Apr 1 - 91.3k (+1600)
May 1 - 90.9k (-400)
June 1 - 90.6k (-300)
July 1 - 93.7k (+3100)
Aug 1 - 97.3k (+3600)
Sept 1 - 101.6k (+4300)
Back up! I made a plan to save at least 10k before 2020, hope I can stick to it! Rebalanced my investments to be full ethical, I don't contribute to terrible companies anymore yay!
How did you go about doing this if you don't mind me asking? I am very interested.
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 2019 is to make it to $45K.Aug2019: $39,918 (+182) -Its a little sad to know that I added almost $1300 to my retirement investments, and they only went up $182. I hope the bounce back will be epic!
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
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)
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
Hey folks,
I am new to this thread and would like to join in
<snip>
Plan: >15k by year's end!
New graduate from the race to 50k thread joining in, already used that to track net worth, so no adjustments needed.
I'm a 26 year old guy, living together with my GF in one of the bigger Dutch cities. We are lucky enough to both make decent money for our age and Dutch standards, but rent is rather high. A big part of the numbers above is my half of the down payment we're saving up. GF is very frugal, and I've only just cathced up with her money wise: joint NW is slightly over 100K now! We keep finances separated, so I'll be tracking for myself only.
First six months of 2019 were very fortunate for me: vacation pay, extra monthly pay as a bonus and two holidays that were less expensive than expected. Now it's just hoping I can continue the streak. Next goal: 60k on the 5th of december ("Sinterklaas").
Best of luck to everyone posting and reading here, happy stashing!
Welcome @BobTheBuilder! Sounds like you're making good steady progress. What's the plan for next year?
2019Sept: $25,361
Jan: -$7,248
Feb: -$6,093
Mar: -$1,081
Apr: $1,221
May: $4,418
Jun: $5,562
Jul: $7,408
Aug: $9,255
(Oct/2015) $21,229.91
(Oct/2016) $38,686.20
(Oct/2017) $69,217.02
(Oct/2018) $69,963.94
(Jan/2019) $70,629.84
(Feb/2019) $74,360.85
(March/2019) $77,397.67
(April/2019) $82,140.83
(May/2019) $83,987.43
(June/2019) $87,146.59
(July/2019) $93,154.16
(Aug/2019) $97,596.37
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
June 2019 $11,500
July 2019 $17,000
8/30/2019: $27,199
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
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
August Notes
The rare two paycheck month is the main reason I am up at all this month. Market bloodbath plus some hefty medical bills caused the net worth to tread water, but my paycheck came early due to the holiday. Though as a result September will be likely trend negative, unless the market gains a bit.
September 2018 - $20,031
October 2018 - $19,301
November 2018 - $20,523
December 2018 - $20,923
January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575
June 2019 - $27,758
July 2019 - $29,419
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
10/26/18: $64,270.98
11/27/18: $66,467.65
12/26/18: $66,160.59
01/28/18: $64,688.44
03/25/19: $63,325.75
04/24/19: $65,022.87
06/04/19: $63,056.67
07/30/19: $65,345.01
Missed a month since I was on a 30 day roadtrip. Numbers look good since quarter taxes and un-invested IRA monies are part of it. Vacations are behind so I need to start catching up with a few financial loose ends.
Nov 2018- $23,000
Dec 2018- $26,000
Jan 2019- $29,000
Feb 2019- $36,000
March 2019- $40,000
April 2019- $43,000
May 2019- $48,000
June 2019- $54,000
July 2019- $60,600
Aug 2019- $71,800
July was a good month for the business. Things will probably start slowing down in September.
Sept 2019- $85,100
11/26/17: $47,707.48
06/22/18: $72,953.75
07/27/18: $71,676.31
08/23/18: $65,034.83
10/04/17: $63,306.87
10/26/18: $64,270.98
11/27/18: $66,467.65
12/26/18: $66,160.59
01/28/18: $64,688.44
03/25/19: $63,325.75
04/24/19: $65,022.87
06/04/19: $63,056.67
07/30/19: $65,345.01
Missed a month since I was on a 30 day roadtrip. Numbers look good since quarter taxes and un-invested IRA monies are part of it. Vacations are behind so I need to start catching up with a few financial loose ends.
09/03/19: $64,034.31
Quarterly taxes were paid. To much money was wasted last month on food, going out, alcohol, etc
Being so close, I've been checking the market daily for the last couple weeks (yes, I know how unhealthy that is). The awesome last ten days or so in the market have pushed me over 100k.
Final numbers
7/1/18: 41,258
8/1/18: 43,517
9/1/18: 48,733
10/1/18: 49,642
11/1/18: 52,012
12/1/18: 56,889
1/1/19: 60,898
2/1/19: 71,098
3/1/19: 77,557
4/1/19: 81,086
5/1/19: 81,836
6/1/19: 79,610
7/1/19: 88,436
8/1/19: 94,585
9/1/19: 99,159
9/12/19: 100,631
Breakdown of net worth
Net value of home: 25,689
Investments: 61,152
Cash: 13,790
If someone would like to keep up with the spreadsheet, here is the link: Google doc for race to $100k (https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit#gid=0)
Back up! I made a plan to save at least 10k before 2020, hope I can stick to it! Rebalanced my investments to be full ethical, I don't contribute to terrible companies anymore yay!
How did you go about doing this if you don't mind me asking? I am very interested.
Same here. I have some 'sustainable' ETFs but I am always interested to hear about new/different ones that I don't know about yet.
All going pretty well. Just feel like I'll be in this thread for years, which is kind of demoralising, I know Rome wasn't built in a day though. Just got to think of other ways to speed up my progress.
Welcome @paramorgan9 ! Great progress this year. How did you manage such a big jump?
01/06/2018: -60
01/01/2019: 2875.28
01/07 2019: 9288.2
01/08/2019: 10.485.05 good month 😀
01/01/2020: 14.500 Goal
01/09/2019: 11554.85
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 2019 is to make it to $45K.Sep2019: $34,179 (-5739)- The market bounce back was great, but I was getting a little to0 close to my 45K goal, so I went and bought a vehicle. (net worth of just investments-no loan would be at 43100). I am lowering my investments for next month to help cash flow some personal bills, so the markets going to need to go up up and away for me to meet my 45K EOY goal.
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
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)
September 2018 - $20,031
October 2018 - $19,301
November 2018 - $20,523
December 2018 - $20,923
January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
2019Oct: $27,333
Jan: -$7,248
Feb: -$6,093
Mar: -$1,081
Apr: $1,221
May: $4,418
Jun: $5,562
Jul: $7,408
Aug: $9,255
Sept: $25,361
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
9/30/2019 - $83,292
4/1/18 - 8,288.95
11/14/18 - 17,977.82
3/30/19 - 24,649.79
7/1/19 - 29,604.18
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
June 2019 $11,500
July 2019 $17,000
August 2019 $19,900
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
I'm out! Looking forward to seeing you guys/gals in 100k-250k :)
My contract was renewed at work and I got a raise!
I'm out! Looking forward to seeing you guys/gals in 100k-250k :)
Great job! See you in the next thread!
Congrats philli14!!!! Hope to see you in the next thread soon.
My contract was renewed at work and I got a raise!
Congrats Imma! Well done. Also, can I ask what your side hustle is?
Dec-2016: $32,870.70
Dec-2017: $58,271.55 (+ 25,400.85)
Dec-2018: $72,493.16 (+ 14,221.61)
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
The access to the datasheet has been restored. So now you can enter the data for October
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit#gid=0
Only just signed up to post but been following this thread for a while and it is a huge help to keep me on track.
Since I started tracking:
07/17: £18,831
08/17: £20,396
09/17: £23,363
10/17: £24,599
Quarter of the way there. :-)
A big jump this month thanks to an incredibly generous gift from parents towards my first home purchase. Can't quite put into words how much it means. Now I have the foundation, I need to start putting more towards an index fund ISA or SIPP as I only have my relatively low pension pot and company shares at the moment. I also need to make sure I avoid the lure of fancy new furniture for the house.
11/17 £26,243
12/17 £27,160
01/18 £28,622
02/18 £48,272
If any "official" MMM policy on counting cars exists, I would guess they are not generally counted toward NW - but everyone does it differently. Would you ever sell the car? If you're going to run it into the ground, you're not planning to extract that $7k back out of it, so it seems more like a sunk cost which you amortize over the lifetime of use. I don't count my car - or any other physical asset - but the car is the most expensive at less than $2k.
Do what works for you.
(I'm biting my nails on whether I'll make $40k this month. Currently trending toward no.)
I don't disagree with what you're saying at all and makes sense to me - however; I'll keep counting the car just b/c I list it all in Mint, and don't want to manually exclude it. However; to truly graduate from this forum, I think i'll exclude them when I get to the 100k threshold. For now out of ease, I'll keep it as is. Good luck on the march to 40k!If any "official" MMM policy on counting cars exists, I would guess they are not generally counted toward NW - but everyone does it differently. Would you ever sell the car? If you're going to run it into the ground, you're not planning to extract that $7k back out of it, so it seems more like a sunk cost which you amortize over the lifetime of use. I don't count my car - or any other physical asset - but the car is the most expensive at less than $2k.
Do what works for you.
(I'm biting my nails on whether I'll make $40k this month. Currently trending toward no.)
12/15 -£2,61009/19 £109,170 (+£10,480 ~ +11% )
12/16 £5,250 (+£7,860 ~ +301%)
12/17 £10,810 (+£5,560 ~ +106%)
12/18 £68,620 (+£57,810 ~ +634%)
01/19 £68,210 (-£410 ~ -1%)
02/19 £64,060 (-£4,150 ~ -6%)
03/19 £74,350 (+£10,290 ~ +16%)
04/19 £69,650 (-£4,700 ~ -7%)
05/19 £68,950 (-£700 ~ -1%)
06/19 £76,850 (+£7,900 ~ +11%)
07/19 £79,180 (+£2,330 ~ +3%)
08/19 £98,690 (+£19,510 ~ +25%)
Quote12/15 -£2,61009/19 £109,170 (+£10,480 ~ +11% )
12/16 £5,250 (+£7,860 ~ +301%)
12/17 £10,810 (+£5,560 ~ +106%)
12/18 £68,620 (+£57,810 ~ +634%)
01/19 £68,210 (-£410 ~ -1%)
02/19 £64,060 (-£4,150 ~ -6%)
03/19 £74,350 (+£10,290 ~ +16%)
04/19 £69,650 (-£4,700 ~ -7%)
05/19 £68,950 (-£700 ~ -1%)
06/19 £76,850 (+£7,900 ~ +11%)
07/19 £79,180 (+£2,330 ~ +3%)
08/19 £98,690 (+£19,510 ~ +25%)
Keep fighting the good fight everyone. See you around!
01/06/2018: -60
01/01/2019: 2875.28
01/07 2019: 9288.2
01/08/2019: 10.485.05
01/09/2019: 11554.85
28/09/2019: 12.182,10
01/01/2020: 14.500 Goal
Yay! Still on track to reach my stretch goal of 56.5K by Dec ie a networth increase of 20K for 2019.Jan 17, 2017: 12,138
October 2018 - $19,301
November 2018 - $20,523
December 2018 - $20,923
January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
@Serendip I'm not American;) we're almost on the same amounts, let's improve our discipline and race!
I hope to graduate before end of 2020.
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
June 2019 $11,500
July 2019 $17,000
August 2019 $19,900
September 2019 $19,900
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
2019Nov: $31,211
Jan: -$7,248
Feb: -$6,093
Mar: -$1,081
Apr: $1,221
May: $4,418
Jun: $5,562
Jul: $7,408
Aug: $9,255
Sept: $25,361
Oct: $27,333
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
9/30/2019 - $83,292
10/31/2019 - $87,539
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
Nov 2018- $23,000
Dec 2018- $26,000
Jan 2019- $29,000
Feb 2019- $36,000
March 2019- $40,000
April 2019- $43,000
May 2019- $48,000
June 2019- $54,000
July 2019- $60,600
Aug 2019- $71,800
July was a good month for the business. Things will probably start slowing down in September.
Sept 2019- $85,100
I've been using Personal Capital to track our net work for a few months, this will be a fun place to keep track and more importantly keep ourselves on the saving path! I've only used the site to factor investment/retirement accounts against mortgage and car loan balance, I have cash set aside for home improvements\emergency so I didn't want that money to show a inflated NW, also have not used homes value to factor into the calculation.
September 1, 2018 - $16,853
October 1, 2018 - $20,234
April 2, 2019 - $64,781 (forgot about updating this, but was pretty exciting to see!)
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 2019 is to make it to $45K.Oct2019: 38,091.83 (+3912) Not a bad month, late update due to me being out in the wilderness. Good job everybody!
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
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)
11/2019: $30,000.00
Living on one low income while paying for husband's schooling and supporting his family...with baby #2 on the way.
I'm hoping to double it by the time my husband's done with school in 4 years.
That might be a little ambitious (unrealistic). But hey, it's good to have a goal!
25-6-2018 29.879,12 ------> Started Tracking
25-7-2018 30.749,12
25-8-2018 31.993,17
25-9-2018 33.185,00 ------> Found MMM
25-10-2018 34.433,66
25-11-2018 35.556,00
25-12-2018 41.939,62
25-1-2019 42.082,47
25-2-2019 44.338,00
25-3-2019 46.218,65
25-4-2019 47.829,00
03-6-2019 49.478,00
05-7-2019 52.722,00
25-7-2019 54.736,00
31-8-2019 56.431,00
01-10-2019 58.445,00
01/06/2018: -60
01/01/2019: 2875.28
01/07 2019: 9288.2
01/08/2019: 10.485.05
01/09/2019: 11554.85
28/09/2019: 12.182,10
24/10/2019: 13.082.24
01/01/2020: 14.500 Goal
[
I was like boooo when I saw the recent market drops, but also have to realize that while being at $36500 right now instead of 37-38,000 which is where i was anticipating, i'm still averaging over 2000 a month since I broke the 10k mark. Progress!
Dec 2017 14.300
June 2018 23.300 (+9k over 6 months)
Dec 2018 35.600 (+13.3k over 6 months)
June 2019 48.000 (+12.3k over 6 months)
July 2019 49.400 (+1.400)
Aug 2019 49.200 (-200)
Sept 2019 52.600 (+3.400)
Oct 2019 53.900 (+1.300)
Nov 2019 58.800 (+4.900)
Dec 2017 14.300
June 2018 23.300 (+9k over 6 months)
Dec 2018 35.600 (+13.3k over 6 months)
June 2019 48.000 (+12.3k over 6 months)
July 2019 49.400 (+1.400)
Aug 2019 49.200 (-200)
Sept 2019 52.600 (+3.400)
Oct 2019 53.900 (+1.300)
Nov 2019 58.800 (+4.900)
Fixed that for you ;)
November 2018 - $20,523
December 2018 - $20,923
January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
October 2019 - $31,770
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
9/30/2019 - $83,292
10/31/2019 - $87,539
11/30/2019 - $98,502
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
Just contacted my former pension plan. Commuted value is difficult to calculate and I'll get a figure in six months. But I was assured I will get at least my contributions + interest, so: $6,826.01
So my current net worth:
$65,536.55 + $7,678.96 + $6,826.01 = $80,041.52 Woot!
01/2011 $ 7,457
01/2012 $ 17,228
01/2013 $ 40,480
01/2014 $ 39,129
01/2015 $ 52,439
01/2016 $ 51,321
01/2017 $ 40,381
01/2018 $ 48,063
01/2019 $ 62,472
02/2019 $ 67,871
03/2019 $ 71,163
04/2019 $ 74,147
05/2019 $ 77,284
06/2019 $ 77,317
07/2019 $ 83,885
08/2019 $ 86,051
09/2019 $ 87,106
10/2019 $ 90,926
11/2019 $ 95,072
12/2019 $101,254
Bon Voyage, see ya in the next thread!
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 2019 is to make it to $45K.Nov2019: $39,867.80 (+1776) Pretty typical month, probably not going to make it to 45k this year, but would if I included the value of the car I bought in September .
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
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)
1/1/18= 14,705
2/1/18= 18,264
3/1/18= 21,225
4/1/18= 22,741
5/1/18= 26,020
6/1/18= 28,987
7/1/18= 31,457
8/1/18= 34,642
9/1/18= 37,413
10/1/18= 41,426
11/1/18= 37,475
12/1/18= 44,300
1/1/19= 46,862
2/1/19= 53,310
3/1/19 = 59,800
4/1/19 = 63,705
5/1/19= 70,328
6/1/19= 70,187
7/1/19= 79,553
8/1/19 = 85,573
9/1/19 = 86,127
10/1/19 = 89,807
11/1/19 = 96,168
12/1/19 = 101,602
Not bad at all. <2 years to complete this challenge. See everyone in the next one!
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
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
June 2019 $11,500
July 2019 $17,000
August 2019 $19,900
September 2019 $19,900
October 2019 $26,200
Wow, Optimiser! Best month ever!
(I just got the pun in your name for the first time. Ha.)
1/1/2019 $58,510.45
2/1/2019 $57,956.00
3/1/2019 $64,999.54
4/1/2019 $67,995.31
5/1/2019 $67,087.75
6/1/2019 $68,470.09
7/1/2019 $75,814.13
8/1/2019 $79,447.74
9/1/2019 $79,958.65
10/1/2019 $82,594.49
11/1/2019 $86,949.23
12/1/2019 $88,888.31
I've been using Personal Capital to track our net work for a few months, this will be a fun place to keep track and more importantly keep ourselves on the saving path! I've only used the site to factor investment/retirement accounts against mortgage and car loan balance, I have cash set aside for home improvements\emergency so I didn't want that money to show a inflated NW, also have not used homes value to factor into the calculation.
September 1, 2018 - $16,853
October 1, 2018 - $20,234
April 2, 2019 - $64,781 (forgot about updating this, but was pretty exciting to see!)
November 6, 2019 - $89,158...the grind is paying off
25-6-2018 29.879,12 ------> Started Tracking
25-7-2018 30.749,12
25-8-2018 31.993,17
25-9-2018 33.185,00 ------> Found MMM
25-10-2018 34.433,66
25-11-2018 35.556,00
25-12-2018 41.939,62
25-1-2019 42.082,47
25-2-2019 44.338,00
25-3-2019 46.218,65
25-4-2019 47.829,00
03-6-2019 49.478,00
05-7-2019 52.722,00
25-7-2019 54.736,00
31-8-2019 56.431,00
01-10-2019 58.445,00
06-11-2019 60.308,00
In my first post in this thread I challenged myself to get to 62k before december 5th, that will be tight as I have a small weekend getaway coming up.
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
1/1/2019 $58,510.45
2/1/2019 $57,956.00
3/1/2019 $64,999.54
4/1/2019 $67,995.31
5/1/2019 $67,087.75
6/1/2019 $68,470.09
7/1/2019 $75,814.13
8/1/2019 $79,447.74
9/1/2019 $79,958.65
10/1/2019 $82,594.49
11/1/2019 $86,949.23
12/1/2019 $88,888.31
12/29/2019 $92,750
December 2018 - $20,923
January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
October 2019 - $31,770
November 2019 - $33,081
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
Mar 2019 $14,000December 2019 $37,200
Apr 2019 $12,700
May 2019 $9,500
June 2019 $11,500
July 2019 $17,000
August 2019 $19,900
September 2019 $19,900
October 2019 $26,200
November 2019 $34,500
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
9/30/2019 - $83,292
10/31/2019 - $87,539
11/30/2019 - $98,502
12/31/2019 - $96,225
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 2019 is to make it to $45K.Dec2019: $43836 (+$3968/month) (+$19,876/yr)- So close to the 45K goal, if I could have just avoided a car purchase I would have made it. Good Job Everyone! Goal for 2020: $70k
Net worth:
Dec2017:$7800
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
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)
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
2019 | 2020 | 2021 | 2022 | |
Jan | -$7,248 | $35,632 | - | - |
Feb | -$6,093 | - | - | - |
Mar | -$1,081 | - | - | - |
Apr | $1,221 | - | - | - |
May | $4,418 | - | - | - |
Jun | $5,562 | - | - | - |
Jul | $7,408 | - | - | - |
Aug | $9,255 | - | - | - |
Sept | $25,361 | - | - | - |
Oct | $27,333 | - | - | - |
Nov | $31,211 | - | - | - |
Dec | $33,422 | - | - | - |
Just contacted my former pension plan. Commuted value is difficult to calculate and I'll get a figure in six months. But I was assured I will get at least my contributions + interest, so: $6,826.01
So my current net worth:
$65,536.55 + $7,678.96 + $6,826.01 = $80,041.52 Woot!
December 1st update: $86,963.15
I received no pay over the summer, but travelled to England and Italy. I also treated myself to a new MacBook for work/pleasure.
With the threat of layoffs/strikes due to our new anti-education government, I will be slowing down my spending drastically. I know I'd be a lot closer to my $100,000 goal if I hadn't spent money on my trip/new technology, but you got to live a little.
I figure I will reach $100,000 by the end of February if my job remains stable.
Assuming this thread carries over to the new year. New to MMM and the community, trying to get ahold of my financial future. 29y/o with no student debts (woohoo).
Dec 2019 - [total: 64220.99]{Brokerage: 5638.78, 401k: 51229.12, HSA: 7353.09}
January 2019 - $21,742
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
October 2019 - $31,770
November 2019 - $33,081
December 2019 - $34,820
Mar 2019 $14,000
Apr 2019 $12,700
May 2019 $9,500
June 2019 $11,500
July 2019 $17,000
August 2019 $19,900
September 2019 $19,900
October 2019 $26,200
November 2019 $34,500
December 2019 $37,200
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
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.2020
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)
January update: $96,301.56
Some good investment returns last month :). Might be able to reach 100k at the end of the month. Found out my job is secure until the end of June, so it seems very likely by the end of February.Just contacted my former pension plan. Commuted value is difficult to calculate and I'll get a figure in six months. But I was assured I will get at least my contributions + interest, so: $6,826.01
So my current net worth:
$65,536.55 + $7,678.96 + $6,826.01 = $80,041.52 Woot!
December 1st update: $86,963.15
I received no pay over the summer, but travelled to England and Italy. I also treated myself to a new MacBook for work/pleasure.
With the threat of layoffs/strikes due to our new anti-education government, I will be slowing down my spending drastically. I know I'd be a lot closer to my $100,000 goal if I hadn't spent money on my trip/new technology, but you got to live a little.
I figure I will reach $100,000 by the end of February if my job remains stable.
25-6-2018 29.879,12 ------> Started Tracking
25-7-2018 30.749,12
25-8-2018 31.993,17
25-9-2018 33.185,00 ------> Found MMM
25-10-2018 34.433,66
25-11-2018 35.556,00
25-12-2018 41.939,62
25-1-2019 42.082,47
25-2-2019 44.338,00
25-3-2019 46.218,65
25-4-2019 47.829,00
03-6-2019 49.478,00
05-7-2019 52.722,00
25-7-2019 54.736,00
31-8-2019 56.431,00
01-10-2019 58.445,00
06-11-2019 60.308,00
06-12-2019 61.808,00
26-12-2019 64.000,00
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
I only have another ~15k in liabilities. I hope to see faster growth in the next year or two.
2019 | 2020 | 2021 | 2022 | |
Jan | -$7,248 | $35,632 | - | - |
Feb | -$6,093 | $32,925 | - | - |
Mar | -$1,081 | - | - | - |
Apr | $1,221 | - | - | - |
May | $4,418 | - | - | - |
Jun | $5,562 | - | - | - |
Jul | $7,408 | - | - | - |
Aug | $9,255 | - | - | - |
Sept | $25,361 | - | - | - |
Oct | $27,333 | - | - | - |
Nov | $31,211 | - | - | - |
Dec | $33,422 | - | - | - |
01/06/2018: -60
01/01/2019: 2875.28
01/07 2019: 9288.2
01/08/2019: 10.485.05
01/09/2019: 11554.85
28/09/2019: 12.182,10
24/10/2019: 13.082.24
26/11/2019: 14,311.49
01/01/2020: 14.500 Goal
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
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
9/30/2019 - $83,292
10/31/2019 - $87,539
11/30/2019 - $98,502
12/31/2019 - $96,225
1/1/2020 - $96,048
All numbers are for joint net worth between my SO and I.
9/1/2018 $ 10,182.02
10/1/2018 $ 14,632.57
11/1/2018 $ 16,671.27
12/1/2018 $ 23,468.48
1/1/2019 $ 30,900.13
2/1/2019 $ 34,820.54
3/1/2019 $ 40,959.03
4/1/2019 $ 48,963.23
5/1/2019 $ 49,324.37
6/1/2019 $ 54,756.42
7/1/2019 $ 62,703.77
8/1/2019 $ 68,173.37
9/1/2019 $ 71,590.05
10/1/2019 $ 74,831.89
11/1/2019 $ 80,846.08
12/1/2019 $ 85,705.97
1/1/2020 $ 94,851.23
My NW made up about 80%, his about 20%. With a pay raise, a lean spending trend, and hopeful continued good market performance, we should hit 100k - and graduate this thread - before Feb 1.
Update:
Dec 2019: 64,220.99 {Brokerage: 5638.78, 401k: 51229.12, HSA: 7353.09}
Jan 2020: 67,932.57 {Brokerage: 6346.52, 401k: 53838.55, HSA: 7747.50}
@Manchester you're doing really great! Especially if this includes wedding spending. And congrats on the big raise!
I started a thread about owning a business last year. My business isn't making me rich yet but I'm earning some money and I'm learning a lot and meeting new people. I'm really glad I did it.
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
October 2019 - $31,770
November 2019 - $33,081
December 2019 - $34,820
January 2020 - $36,392
I'm in:) Nice to see some familiar faces too - good going everybody!
The first goal was $50K by Dec 31, 2019.
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 2019 $43,700
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
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 )
I guess being early in the accumulation phase helps with the recent downturn. Savings outweighed paper lossed, but it still stings that all my February investments went into the market at the peak.
Feb 1st 2020 Update:$101,272.15. WOOT!!
Figure I'll stick around for another month to ensure that I stay over the goal :) This includes $17,405.32 in pension contributions that are hard to value... but since I'm early in my career, if I were to quit today, I'd get back the value of my contributions... so it's worth at least that.
Also includes $4000 in held pay that I'm counting. Essentially, it's pay that I've earned but my district holds onto it until the summer as they think they are helping us budget for the summer when we receive no pay (in reality, I'd much rather have the money up front and earn interest, but sadly that's not an option in this district).January update: $96,301.56
Some good investment returns last month :). Might be able to reach 100k at the end of the month. Found out my job is secure until the end of June, so it seems very likely by the end of February.Just contacted my former pension plan. Commuted value is difficult to calculate and I'll get a figure in six months. But I was assured I will get at least my contributions + interest, so: $6,826.01
So my current net worth:
$65,536.55 + $7,678.96 + $6,826.01 = $80,041.52 Woot!
December 1st update: $86,963.15
I received no pay over the summer, but travelled to England and Italy. I also treated myself to a new MacBook for work/pleasure.
With the threat of layoffs/strikes due to our new anti-education government, I will be slowing down my spending drastically. I know I'd be a lot closer to my $100,000 goal if I hadn't spent money on my trip/new technology, but you got to live a little.
I figure I will reach $100,000 by the end of February if my job remains stable.
2019 2020 2021 2022 Jan -$7,248 $35,632 - - Feb -$6,093 $32,925 - - Mar -$1,081 $32,425 - - Apr $1,221 - - - May $4,418 - - - Jun $5,562 - - - Jul $7,408 - - - Aug $9,255 - - - Sept $25,361 - - - Oct $27,333 - - - Nov $31,211 - - - Dec $33,422 - - -
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
9/30/2019 - $83,292
10/31/2019 - $87,539
11/30/2019 - $98,502
12/31/2019 - $96,225
1/31/2020 - $96,048
2/29/2020 - $94,556
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
I'm really upset that I didn't hit 15k with the minor dip in the market. So close... I'll be nearing 16k by the end of the month, though.
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
Goal: $100K by Dec 31, 2021
$ 4,588 June 2017
$ 10,117 Dec 2017
$ 10,715 Jan 2018
$ 31,034 Dec 2018
$ 31,094 Jan 2019
$ 50,000 Dec 2019
$ 53,000 Jan 2020
$ 56,000 Feb 2020
I've been lurking on these boards for ages, then finally made an account and continued to lurk because for some reason I'm really shy on the internet. But I've followed this board over the past little while and found it super motivating, and want to finally throw my hat into the race!
Got a boost from employer 401k match!
Dec 2019: 64,220.99 {Brokerage: 5638.78, 401k: 51229.12, HSA: 7353.09}
Jan 2020: 67,932.57 {Brokerage: 6346.52, 401k: 53838.55, HSA: 7747.50}
Feb 2020: 80,369.63 {Brokerage: 8930.47, 401k: 63487.95, HSA: 7951.21}
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.Feburary: $43,345 (-$2494) This is from Feb 1st, but I forgot to update then, I am sure it looks worse right now.
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)
I reckon this thread might go very quiet over the next few months. :')
Keep going people! When the going gets tough, the tough get going. No panic selling, stick to your plans and we'll all reap the rewards!
Nov 20, 2019 -- $113,800
January 15, 2020 -- $120,900
February 15, 2020 -- $136,916
March 17, 2020 -- $65,556
Welp, into this race now.
Careful kids, leveraging can be dangerous.
I reckon this thread might go very quiet over the next few months. :')
Keep going people! When the going gets tough, the tough get going. No panic selling, stick to your plans and we'll all reap the rewards!
Absolutely! We have probably lost over $50k(I haven`t looked) over the last month, but we are still buying in! VTSAX is now at $58 a share and down from the almost $84 a month ago.
Now, I am using more trepidation when buying it though. I am buying at steps instead of just throwing a huge amount into it at once. I did that a few weeks ago
and I regret it. Unless a vaccine is truly produced shortly or the virus isolation works wonders, the stock market will keep dropping for a while. I`m not timing the market,
but I am easing my way slowly into this drop with my independent buys. Our 401K and HSA contributions are not changing though. It`ll be hard enough to max contributions
as it is, and the tax deductions are astounding!
Goal: $100K by Dec 31, 2021
$ 4,588 June 2017
$ 10,117 Dec 2017
$ 10,715 Jan 2018
$ 31,034 Dec 2018
$ 31,094 Jan 2019
$ 50,000 Dec 2019
$ 53,000 Jan 2020
$ 56,000 Feb 2020
*lost my employment so will be drawing upon this in the months to come (6,000 EF in a TFSA)
Goal: $100K by Dec 31, 2021
$ 4,588 June 2017
$ 10,117 Dec 2017
$ 10,715 Jan 2018
$ 31,034 Dec 2018
$ 31,094 Jan 2019
$ 50,000 Dec 2019
$ 53,000 Jan 2020
$ 56,000 Feb 2020
Update - $58K Mar 2020
Projected for April - $60K ~
I am not expecting any losses only continued gains/interest for another 16 months.
This is all nothing but a cash cushion, in various CDs or savings accounts for just such an emergency as we are currently facing.
Meanwhile, Mr. R's portfolio is taking a severe beating - not what you hope for when you planned to retire in three years.
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.Mar2020:$39,081.45 (-$4264)- Shit-another month down. I was so happy to get out of the 30k's and now I am back again. I added money to the market, and didn't take on any debt. At least I am early enough in my savings that this dip isn't hitting too hard.
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)
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 €)
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
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
Got a big tax refund, Corona virus has tanked the market, and I paid a bunch in closing costs to refi my house. Moving forward I'll be saving a bunch on interest every month. I'm surprised to see things still going up this month, all things considered.
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
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
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
9/30/2019 - $83,292
10/31/2019 - $87,539
11/30/2019 - $98,502
12/31/2019 - $96,225
1/31/2020 - $96,048
2/29/2020 - $94,556
3/31/2020 - $92,438
Goal: $100K by Dec 31, 2021
$ 4,588 June 2017
$ 10,117 Dec 2017
$ 10,715 Jan 2018
$ 31,034 Dec 2018
$ 31,094 Jan 2019
$ 50,000 Dec 2019
$ 53,000 Jan 2020
$ 56,000 Feb 2020
Update - $58K Mar 2020
Projected for April - $60K ~
I am not expecting any losses only continued gains/interest for another 16 months.
This is all nothing but a cash cushion, in various CDs or savings accounts for just such an emergency as we are currently facing.
Meanwhile, Mr. R's portfolio is taking a severe beating - not what you hope for when you planned to retire in three years.
So you're holding all this money in cash? If you don't mind me probing, why do you need such a high cash buffer? Surely now is a brilliant time to use some of this cash to buy stocks on the cheap?
Apologies if that sounds judgemental, I'm just intrigued.
February 2019 - $23,933
March 2019 - $25,416
April 2019 - $26,812
May 2019 - $26,575
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
October 2019 - $31,770
November 2019 - $33,081
December 2019 - $34,820
January 2020 - $36,392
February 2020 - $35,701
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 | - | - | - |
Jun | $5,562 | - | - | - |
Jul | $7,408 | - | - | - |
Aug | $9,255 | - | - | - |
Sept | $25,361 | - | - | - |
Oct | $27,333 | - | - | - |
Nov | $31,211 | - | - | - |
Dec | $33,422 | - | - | - |
Hi all, first post!01 Jul 2019 NW £46,737
01 Jun 2019 NW £44,112
January 2018: $18,944.35
February 2018: $22,047.46
March 2018: $23,463.61
April 2018: $24,224.19
May 2018: $26,173
Jun 2018: $29,519.62
October 2018: $29,676.50
November 2018: $32,923.90
December 2018: $34,394.85
January 2019: $39,825.43
February 2019" $43,508.66
April 2019: $48,394.91
July 2019: $80,041.52 (Big jump because as a teacher I receive pay that's held back over the year to cover me for the summer -- basically three paycheques at once. I also started to include my pension value in net worth)
December 2019: $86,963.15
January 2020: $96,301.56
February 2020: $101,272.15.
March 2020: $102,362.65
Moved up a little bit this month but lost a ton of gains on the market. Hoping the market recovers this month. Did not advance enough this month to feel comfortable that I've truly graduated. from the thread.Feb 1st 2020 Update:$101,272.15. WOOT!!
Figure I'll stick around for another month to ensure that I stay over the goal :) This includes $17,405.32 in pension contributions that are hard to value... but since I'm early in my career, if I were to quit today, I'd get back the value of my contributions... so it's worth at least that.
Also includes $4000 in held pay that I'm counting. Essentially, it's pay that I've earned but my district holds onto it until the summer as they think they are helping us budget for the summer when we receive no pay (in reality, I'd much rather have the money up front and earn interest, but sadly that's not an option in this district).January update: $96,301.56
Some good investment returns last month :). Might be able to reach 100k at the end of the month. Found out my job is secure until the end of June, so it seems very likely by the end of February.Just contacted my former pension plan. Commuted value is difficult to calculate and I'll get a figure in six months. But I was assured I will get at least my contributions + interest, so: $6,826.01
So my current net worth:
$65,536.55 + $7,678.96 + $6,826.01 = $80,041.52 Woot!
December 1st update: $86,963.15
I received no pay over the summer, but travelled to England and Italy. I also treated myself to a new MacBook for work/pleasure.
With the threat of layoffs/strikes due to our new anti-education government, I will be slowing down my spending drastically. I know I'd be a lot closer to my $100,000 goal if I hadn't spent money on my trip/new technology, but you got to live a little.
I figure I will reach $100,000 by the end of February if my job remains stable.
Goal: $100K by Dec 31, 2021
$ 4,588 June 2017
$ 10,117 Dec 2017
$ 10,715 Jan 2018
$ 31,034 Dec 2018
$ 31,094 Jan 2019
$ 50,000 Dec 2019
$ 53,000 Jan 2020
$ 56,000 Feb 2020
$ 58,000 Mar 2020
Projected for April: $60K
UPDATE: April 8, 2020 - $ 61,670 better than expected.
Some of this includes slush funds that I consolidated or moved - so not all true savings.
01/06/2018: -60
01/01/2019: 2875.28
01/07 2019: 9288.2
01/08/2019: 10.485.05
01/09/2019: 11554.85
28/09/2019: 12.182,10
24/10/2019: 13.082.24
26/11/2019: 14,311.49
01/02/2020: 15.260
Goal 01/01/2021: 27.500 Excluding sinking funds for holidays and health insurance, including student loan at 0.01% interest. This is starting off well, because I got a small raise at work.
January 2018: $18,944.35
February 2018: $22,047.46
March 2018: $23,463.61
April 2018: $24,224.19
May 2018: $26,173
Jun 2018: $29,519.62
October 2018: $29,676.50
November 2018: $32,923.90
December 2018: $34,394.85
January 2019: $39,825.43
February 2019" $43,508.66
April 2019: $48,394.91
July 2019: $80,041.52 (Big jump because as a teacher I receive pay that's held back over the year to cover me for the summer -- basically three paycheques at once. I also started to include my pension value in net worth)
December 2019: $86,963.15
January 2020: $96,301.56
February 2020: $101,272.15.
March 2020: $102,362.65
Moved up a little bit this month but lost a ton of gains on the market. Hoping the market recovers this month. Did not advance enough this month to feel comfortable that I've truly graduated. from the thread.Feb 1st 2020 Update:$101,272.15. WOOT!!
Figure I'll stick around for another month to ensure that I stay over the goal :) This includes $17,405.32 in pension contributions that are hard to value... but since I'm early in my career, if I were to quit today, I'd get back the value of my contributions... so it's worth at least that.
Also includes $4000 in held pay that I'm counting. Essentially, it's pay that I've earned but my district holds onto it until the summer as they think they are helping us budget for the summer when we receive no pay (in reality, I'd much rather have the money up front and earn interest, but sadly that's not an option in this district).January update: $96,301.56
Some good investment returns last month :). Might be able to reach 100k at the end of the month. Found out my job is secure until the end of June, so it seems very likely by the end of February.Just contacted my former pension plan. Commuted value is difficult to calculate and I'll get a figure in six months. But I was assured I will get at least my contributions + interest, so: $6,826.01
So my current net worth:
$65,536.55 + $7,678.96 + $6,826.01 = $80,041.52 Woot!
December 1st update: $86,963.15
I received no pay over the summer, but travelled to England and Italy. I also treated myself to a new MacBook for work/pleasure.
With the threat of layoffs/strikes due to our new anti-education government, I will be slowing down my spending drastically. I know I'd be a lot closer to my $100,000 goal if I hadn't spent money on my trip/new technology, but you got to live a little.
I figure I will reach $100,000 by the end of February if my job remains stable.
Sunk below the 100k threshold
January 2018: $18,944.35
February 2018: $22,047.46
March 2018: $23,463.61
April 2018: $24,224.19
May 2018: $26,173
Jun 2018: $29,519.62
October 2018: $29,676.50
November 2018: $32,923.90
December 2018: $34,394.85
January 2019: $39,825.43
February 2019" $43,508.66
April 2019: $48,394.91
July 2019: $80,041.52 (Big jump because as a teacher I receive pay that's held back over the year to cover me for the summer -- basically three paycheques at once. I also started to include my pension value in net worth)
December 2019: $86,963.15
January 2020: $96,301.56
February 2020: $101,272.15.
March 2020: $102,362.65
April 2020: $98,415.77
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
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
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 )
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
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
Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.
Here is a basic breakdown of the numbers as of the end of the day today:
Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131
Net Worth: $11,511
Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.
As for asset composition, 20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.
9/29/17 - $11,511 (First post in thread)
6/30/18 - $36,000
7/31/18 - $38,676
8/31/18 - $40,277
9/30/18 - $50,572
10/31/18 - $46,085
11/30/18 - $48,956
12/31/18 - $46,003
1/31/19 - $53,028
2/28/19 - $58,276
3/31/2019 - $67,340
4/30/2019 - $70,674
5/31/2019 - $69,853
6/30/2019 - $75,757
7/31/2019 - $78,206
8/31/2019 - $83,589
9/30/2019 - $83,292
10/31/2019 - $87,539
11/30/2019 - $98,502
12/31/2019 - $96,225
1/31/2020 - $96,048
2/29/2020 - $94,556
3/31/2020 - $92,438
4/30/2020 - $101,897
Goal: $100K by Dec 31, 2021
$ 4,588 June 2017
$ 10,117 Dec 2017
$ 10,715 Jan 2018
$ 31,034 Dec 2018
$ 31,094 Jan 2019
$ 50,000 Dec 2019
$ 53,000 Jan 2020
$ 56,000 Feb 2020
$ 58,000 Mar 2020
$ 64,000 Apr 2020 - incl. $1200 stimulus pmt
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.Apr2020:$47,551.49 (+$9470.04) - I have climbed to a new height! Hope to hit 50k by June! Most of this gain is from the stock market.
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:$39,081.45 (-$4264)
April 2019 - $26,812
May 2019 - $26,575
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
October 2019 - $31,770
November 2019 - $33,081
December 2019 - $34,820
January 2020 - $36,392
February 2020 - $35,701
March 2020 - $32,466
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 | - | - | - |
Jul | $7,408 | - | - | - |
Aug | $9,255 | - | - | - |
Sept | $25,361 | - | - | - |
Oct | $27,333 | - | - | - |
Nov | $31,211 | - | - | - |
Dec | $33,422 | - | - | - |
I am happy to be moving over to this thread, graduating from the race to 10K! You all seem like supportive group and I'm excited to spend the next bit of time with you all.
Student Loan Debt:
01/12/19: $43,762
05/04/20: $21,456
Net Worth:
03/04/19: -$30,065
05/04/20: $10,739
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 - - - Jul $7,408 - - - Aug $9,255 - - - Sept $25,361 - - - Oct $27,333 - - - Nov $31,211 - - - Dec $33,422 - - -
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
Once more heading in the right direction!
Shorted the list to starting point, end of year records and monthly records in this year.
3/15/2018: $12,926.94
3/31/2018: $12,989.49
4/13/2018: $16,254.32
4/30/2018: $17,831.70
5/15/2018: $18,911.08
5/31/2018: $21,674.06
6/15/2018: $23,447.78
6/29/2018: $20,396.96
7/21/2018: $22,666.63
7/31/2018: $24,667.50
8/23/2018: $25,400.62
8/31/2018: $27,393.30
9/14/2018: $28,138.60
9/28/2018: $30,242.60
10/26/2018: $29,793.20
11/21/2018: $32,551.23
12/7/2018: $33,589.65
12/21/2018: $33,986.10
1/18/2019: $35,782.18
2/15/2019: $43,365.46
3/1/2019: $44,391.15
3/15/2019: $45,689.39
3/31/2019: $48,303.11
05/25/2019: $53,145.15
06/07/2019: $54,674.68
06/21/2019: $57,532.15
07/03/2019: $58,718.06
07/19/2019: $60,172.27
08/02/2019: $60,058.32
08/16/2019: $62,923.68
01/06/2020: $69,508.25
01/17/2020: $73,128.38
01/31/2020: $77,313.16
02/16/2020: $80,269.73
02/28/2020: $77,245.88
03/13/2020: $70,222.54 (-$7,023.34)
04/03/2020: $72,480.14 (+$2,257.6)
04/10/2020: $80,296.56 (+$7,816.42)
05/14/2020: $86,077.33 (+$5,870.77)
I haven't looked at any of my accounts, including checking, for nearly a month. Still making progress, slow and steady wins the race. I've been working a lot, and not going out much except to support a local restaurant that I like. I'm still "eating out" with really large tips to help keep them afloat and I'm glad that my spending there is helping. Everything else has been pretty much Nintendo Switch and Netflix with some stationary biking thrown in while I'm not working.
Goal: $100K by Dec 31, 2021
$ 4,588 June 2017
$ 10,117 Dec 2017
$ 10,715 Jan 2018
$ 31,034 Dec 2018
$ 31,094 Jan 2019
$ 50,000 Dec 2019
$ 53,000 Jan 2020
$ 56,000 Feb 2020
$ 58,000 Mar 2020
$ 64,000 Apr 2020 - incl $1200 stimulus pmt
$ 67,000 May 2020 - incl $350 stimulus pmt
Goal: $100K by Dec 31, 2021
$ 4,588 June 2017
$ 10,117 Dec 2017
$ 10,715 Jan 2018
$ 31,034 Dec 2018
$ 31,094 Jan 2019
$ 50,000 Dec 2019
$ 53,000 Jan 2020
$ 56,000 Feb 2020
$ 58,000 Mar 2020
$ 64,000 Apr 2020 - incl $1200 stimulus pmt
$ 67,000 May 2020 - incl $350 stimulus pmt
Projected for June ~ $69,8K
Fingers crossed I'll hit $70K:) by EOM June.
3/15/2018: $12,926.94
3/31/2018: $12,989.49
4/13/2018: $16,254.32
4/30/2018: $17,831.70
5/15/2018: $18,911.08
5/31/2018: $21,674.06
6/15/2018: $23,447.78
6/29/2018: $20,396.96
7/21/2018: $22,666.63
7/31/2018: $24,667.50
8/23/2018: $25,400.62
8/31/2018: $27,393.30
9/14/2018: $28,138.60
9/28/2018: $30,242.60
10/26/2018: $29,793.20
11/21/2018: $32,551.23
12/7/2018: $33,589.65
12/21/2018: $33,986.10
1/18/2019: $35,782.18
2/15/2019: $43,365.46
3/1/2019: $44,391.15
3/15/2019: $45,689.39
3/31/2019: $48,303.11
05/25/2019: $53,145.15
06/07/2019: $54,674.68
06/21/2019: $57,532.15
07/03/2019: $58,718.06
07/19/2019: $60,172.27
08/02/2019: $60,058.32
08/16/2019: $62,923.68
01/06/2020: $69,508.25
01/17/2020: $73,128.38
01/31/2020: $77,313.16
02/16/2020: $80,269.73
02/28/2020: $77,245.88
03/13/2020: $70,222.54 (-$7,023.34)
04/03/2020: $72,480.14 (+$2,257.6)
04/10/2020: $80,296.56 (+$7,816.42)
05/14/2020: $86,077.33 (+$5,870.77)
05/22/2020: $89,931.92 (+$3,854.59)
This is a bit shocking, honestly. I am guessing its from market rebound although I honestly havent been tracking. Especially considering that in the last week I have spent $1,500.00 on vet bills for pup. :-(
Im now $10,068.08 away from graduating this thread. Looks like this might happen in mid-July if things keep up, but well see.
Im just keeping my head down, saving as much money as I can, and stockpiling cash while maintaining my retirement contributions. Im up to 7 months of expenses. Not enough, right now. Im so thankful I am still employed and have a paid-off car. The only things that I have to spend money on are the essentials. I know so many others are not as fortunate.
Dec '17 18,146
Jan '18 23,607
Dec '18 48,380
Jan '19 51,210
Mar '19 55,075
Aug '19 59,005
Nov '19 64,246
Dec '19 60,746
Jan '20 63,186
Apr '20 62,030
May '20 62,300
*still off work so am pretty happy that I haven't decimated savings. Haven't worked since mid-March and will be returning part-time in the middle of June..
Instead of getting discouraged, I threw some money in my investments to take advantage of the low prices. Working on small things to try to make the jump by the end of the year.
Projected for June ~ $69,8KGoal: $100K by Dec 31, 2021
$ 4,588 June 2017
$ 10,117 Dec 2017
$ 10,715 Jan 2018
$ 31,034 Dec 2018
$ 31,094 Jan 2019
$ 50,000 Dec 2019
$ 53,000 Jan 2020
$ 56,000 Feb 2020
$ 58,000 Mar 2020
$ 64,000 Apr 2020 - incl $1200 stimulus pmt
$ 67,000 May 2020 - incl $350 stimulus pmt
Fingers crossed I'll hit $70K:) by EOM June.
Projected for June ~ $69,8KGoal: $100K by Dec 31, 2021
$ 4,588 June 2017
$ 10,117 Dec 2017
$ 10,715 Jan 2018
$ 31,034 Dec 2018
$ 31,094 Jan 2019
$ 50,000 Dec 2019
$ 53,000 Jan 2020
$ 56,000 Feb 2020
$ 58,000 Mar 2020
$ 64,000 Apr 2020 - incl $1200 stimulus pmt
$ 67,000 May 2020 - incl $350 stimulus pmt
Fingers crossed I'll hit $70K:) by EOM June.
I did it - I'll hit $70K by EOM June - that means $20K savings in 6 months. I am surprised to see it really happened.
YAY:)
Next goal hit $80K by EOM October - we'll see - it all seems surreal compared to where I was in 2015.
@DieHard_772 - how is it that I can never quite catch up with you?:) JK - Nice to see you are still hanging in there.
How are people generally playing? I am going to leave out home value and debt and only report the total of cash and investment value. This isn't my net worth, just what I consider our 'stache'. I am including my emergency fund and checking account. Are others including that or are more people reporting a more complete networth value where they are subtracting debt and adding in value for less liquid assets, like a home?
May 31, 2020 - $72,426.81
How are people generally playing? I am going to leave out home value and debt and only report the total of cash and investment value. This isn't my net worth, just what I consider our 'stache'. I am including my emergency fund and checking account. Are others including that or are more people reporting a more complete networth value where they are subtracting debt and adding in value for less liquid assets, like a home?
May 31, 2020 - $72,426.81
How are people generally playing? I am going to leave out home value and debt and only report the total of cash and investment value. This isn't my net worth, just what I consider our 'stache'. I am including my emergency fund and checking account. Are others including that or are more people reporting a more complete networth value where they are subtracting debt and adding in value for less liquid assets, like a home?
May 31, 2020 - $72,426.81
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.May2020:$51,613.42 (+$4,061.93) Yeah finally made it to the big 50K! I am particularly happy as I was in the 30k's just two months ago. We will see how many more times I cross this line. Lets keep moving forward!
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)
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 | - | - | - |
Aug | $9,255 | - | - | - |
Sept | $25,361 | - | - | - |
Oct | $27,333 | - | - | - |
Nov | $31,211 | - | - | - |
Dec | $33,422 | - | - | - |
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 )
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 Mar 20 $47.5k
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
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 2019 - $26,575
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
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
For some reason this got lost over the course of this year. I have updated it and I hope this helps people who really liked this(me being one haha).
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit#gid=0
For some reason this got lost over the course of this year. I have updated it and I hope this helps people who really liked this(me being one haha).
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit#gid=0
Thought I'd jump in and join this thread. I've read it pretty consistently for motivation. Work just announced some belt-tightening that's got me a bit down, but I know it'll be a marathon for me either way.
May 31, 2020: $13,889.71
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
For some reason this got lost over the course of this year. I have updated it and I hope this helps people who really liked this(me being one haha).
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit#gid=0
Oh, I didn't even know about this! I went back and filled in my numbers from when I was in the Race to Positive Net Worth, and Saving to $10K threads.
edit: Maybe I shouldn't have done that. Does that throw off my stats for the Graduates tab?
May 2019 - $26,575
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
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
And somehow I am back up and past my highest point, even despite the world. Can't wait to hit the 40s!!
I haven't updated since February!
May 2020 Update
3/31/2017 (52,848.85) - Found MMM
3/31/2018 $(14,916.69) - 1 year in
3/31/2019 $9,917.20 - 2 years in
4/30/2019 $19,835.78
5/31/2019 $21,498.65
6/30/2019 $17,825.45
7/31/2019 $19,232.60
8/31/2019 $18,295.57
9/30/2019 $20,402.75
10/31/2019 $24,417.80
11/30/2019 $29,601.50
12/31/2019 $36,186.69
1/31/2020 $37,375.31
2/29/2020 $33,536.65
3/31/2020 $22,896.16 - 3 years in
4/30/2020 $32,841.74
5/31/2020 $41,382.08
Some ups and downs there but I'm happy to say I'm continuing to pay down debt and invest as I have been. Nice to make it over $40k too :)
01/06/2018: -60
01/01/2019: 2875.28
01/07 2019: 9288.2
01/08/2019: 10.485.05
01/09/2019: 11554.85
28/09/2019: 12.182,10
24/10/2019: 13.082.24
26/11/2019: 14,311.49
01/02/2020: 15.260
29/04/2020: 18.544
Goal 01/01/2021: 27.500 Excluding sinking funds for holidays and health insurance, including student loan at 0.01% interest.
Hi everyone, I just graduated for the 10k thread. There I was just counting my invested cash as I was getting started. For this one I might include pension value and company shares as they'd be part of my stache. I'll leave my home and cash etc for my annual net worth tracking I think, want to keep it simple for monthly updating. Will probably mean I start over 50k but that's ok :)
I've graduated from NW 1MM but most of my nw is tied up in real estate, and who really knows what that stuff is worth in this era.
I'm going to use this thread to hold my post-tax account accountable.
5/3/20: 64k
3/15/2018: $12,926.94
3/31/2018: $12,989.49
4/13/2018: $16,254.32
4/30/2018: $17,831.70
5/15/2018: $18,911.08
5/31/2018: $21,674.06
6/15/2018: $23,447.78
6/29/2018: $20,396.96
7/21/2018: $22,666.63
7/31/2018: $24,667.50
8/23/2018: $25,400.62
8/31/2018: $27,393.30
9/14/2018: $28,138.60
9/28/2018: $30,242.60
10/26/2018: $29,793.20
11/21/2018: $32,551.23
12/7/2018: $33,589.65
12/21/2018: $33,986.10
1/18/2019: $35,782.18
2/15/2019: $43,365.46
3/1/2019: $44,391.15
3/15/2019: $45,689.39
3/31/2019: $48,303.11
05/25/2019: $53,145.15
06/07/2019: $54,674.68
06/21/2019: $57,532.15
07/03/2019: $58,718.06
07/19/2019: $60,172.27
08/02/2019: $60,058.32
08/16/2019: $62,923.68
01/06/2020: $69,508.25
01/17/2020: $73,128.38
01/31/2020: $77,313.16
02/16/2020: $80,269.73
02/28/2020: $77,245.88
03/13/2020: $70,222.54 (-$7,023.34)
04/03/2020: $72,480.14 (+$2,257.6)
04/10/2020: $80,296.56 (+$7,816.42)
05/14/2020: $86,077.33 (+$5,870.77)
05/22/2020: $89,931.92 (+$3,854.59)
06/05/2020: $95,094.67 (+$5,162.75)
Market rally, I guess. Im happy to clear 90k in June, looks like I may hit $100k by mid-July. July is also a 3-paycheck month for me, which is great.
I havent been spending money on nearly anything this year, besides some eating out and vet stuff. Makes for a very boring life story, but good for retirement saving.
I haven't been on here in a while! I guess I became a mom and all the tracking fell by the wayside.
Originally, I was tracking by myself, but since I don't plan on retiring alone, I am going to start tracking my husband's money too.
November 17- 41195
December 17- 42526
January 18- 47966
February 18-47104
May 18 - 48521
June 2020-100,970
We made it! Thank you to this wonderful community throwing big goals out there for regular people.
January 2020: 69,751
February 2020: 76,776
March 2020: $81,737
April 2020: Scary
May 2020: 81,624
June 2020: 88,147
It doesn't feel real how quickly things have rebounded, but I'll take it! Part of this month's increase is from an ESPP purchase.
@lexde Nice job on passing $95k! I feel you on the "boring life story" thing, though to me financial well-being is hardly boring! However... maybe you can find something fun to do. We need to enjoy ourselves too ;)Absolutely, and Im thankful for it! I do need to find some free or cheap activities soon, though!
Yee haw, good job
Net worth currently at $96,135.33
Thought I would introduce myself to the challenge, thanks to a tip from @JCGreen .
Have investments totaling ~$45,000 between DW and I, split in a few Roth IRA's and a 401k.
I haven't seen anyone else mention, so I'll ask - I'm not including any equity in my home, right? Purchased for $248K and have $168K in equity, but I'm not counting that as part of my NW for SWR calculations.
Hope to be able to make some serious headway here and reach this goal by 12/2020!
For some reason this got lost over the course of this year. I have updated it and I hope this helps people who really liked this(me being one haha).
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit#gid=0
For some reason this got lost over the course of this year. I have updated it and I hope this helps people who really liked this(me being one haha).
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit#gid=0
Thanks @bcbaseballman - since I'm not good with spreadsheets I really appreciate this.
Yay @mckaylabaloney it's so great to see more 10k graduates here! Like @LittleWanderer I believe - I'm not at my highest net worth ever, but after today's gains my investments are at it's highest ever.
I haven't seen @Manchester and @Hirondelle for a while I think, how are you guys doing?
New Graduate from the Race to 10K thread here.
Hi all,
Newbie here, although lurking for a few months.
Discovered MMM a few years ago. Starting to look at our financials, but could not really get my SO on board for the extreme savings (fortunately he is not real big spender either). However, my now defined goal is to be able to retire together with him, so for this, I need at least EUR 150K. The first step is to get to that famous EUR 100K. I just started saving in my own account and have some investments in ETF's. In 2 years time, I went from 0 to EUR 18K at the moment, but I would like to gain a little momentum and have you guys supporting me to get to the 6 figure number.
English is not my first language, so any spelling mistakes can be blamed on that.
Hi all,
Newbie here, although lurking for a few months.
Discovered MMM a few years ago. Starting to look at our financials, but could not really get my SO on board for the extreme savings (fortunately he is not real big spender either). However, my now defined goal is to be able to retire together with him, so for this, I need at least EUR 150K. The first step is to get to that famous EUR 100K. I just started saving in my own account and have some investments in ETF's. In 2 years time, I went from 0 to EUR 18K at the moment, but I would like to gain a little momentum and have you guys supporting me to get to the 6 figure number.
English is not my first language, so any spelling mistakes can be blamed on that.
Welcome! Where are you from, do you happen to be Dutch? If yes, there are a few of us in this thread :)
Hi all,
Newbie here, although lurking for a few months.
Discovered MMM a few years ago. Starting to look at our financials, but could not really get my SO on board for the extreme savings (fortunately he is not real big spender either). However, my now defined goal is to be able to retire together with him, so for this, I need at least EUR 150K. The first step is to get to that famous EUR 100K. I just started saving in my own account and have some investments in ETF's. In 2 years time, I went from 0 to EUR 18K at the moment, but I would like to gain a little momentum and have you guys supporting me to get to the 6 figure number.
English is not my first language, so any spelling mistakes can be blamed on that.
Welcome! Where are you from, do you happen to be Dutch? If yes, there are a few of us in this thread :)
Definitely Dutch 😏
@Manchester we're in a pretty similar position. We still have jobs and aren't furloughed but there's little to do. I'm in my 15th week of work from home and I've been logged into work since 8am and I've done about 45 minutes of actual work so far. Unfortunately I've heard there's a 50/50 chance my job contract will not be renewed in October. But I've had tons of time for crafting, reading, DIY, gardening. Our house and garden have never looked better and my health has improved from less stress. I've lost nearly 10 kgs too - I wasn't obese before but I could do with losing a bit of weight. Instead of being away from home 12 hours a day and eating food on the go (homemade food, not convenience food, but a limited selection of easy-to-transport food) I now eat 3 sit-down meals a day. I actually bought a proper set of china and got rid of the chipped and damaged remains of the Ikea set I bought when I went to uni. I feel a bit like Hyancinth Bucket now :) Didn't go over the top though, just plates and bowls. I grow veggies in the garden and eat fresh salads every day. Minus a pandemic going on I could live like this forever.
We've flattened the curve since March, there are now only a handful of new cases every day. Schools, bars and restaurants are open again. It looks like Covid-19 was going around under the radar in my part of the country for about a month before the official first case. No idea how that happened but it explains the huge amount of cases in my hometown early in March. But as soon as the government finally started acting, the infection rate slowed down very much. Daily life feels very normal here now. Is that also the case in Manchester? I've got friends in London who still talk about empty shelves in stores and long lines. That doesn't happen here anymore.
For some reason this got lost over the course of this year. I have updated it and I hope this helps people who really liked this(me being one haha).
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit#gid=0
American Funds: $10,824
Robinhood: $18,200 (but fluctuating +/500 these days)
Edward Jones: $28,070
House equity: $58,000
Mortgage balance: $97,000
Total: ~$17,000
Kinda anxious to pay down the mortgage, especially since even more money can flow into investments that way. Calculations seem to indicate that throwing my stocks into the mortgage after I reach that level will net me more in the long term than paying it down at my current monthly rate of $1170 at 4.5% interest. I should probably redo those calculations under a refinancing scenario though.
American Funds: $10,824
Robinhood: $18,200 (but fluctuating +/500 these days)
Edward Jones: $28,070
House equity: $58,000
Mortgage balance: $97,000
Total: ~$17,000
Kinda anxious to pay down the mortgage, especially since even more money can flow into investments that way. Calculations seem to indicate that throwing my stocks into the mortgage after I reach that level will net me more in the long term than paying it down at my current monthly rate of $1170 at 4.5% interest. I should probably redo those calculations under a refinancing scenario though.
American Funds: $10,824
Robinhood: $18,200 (but fluctuating +/500 these days)
Edward Jones: $28,070
House equity: $58,000
Mortgage balance: $97,000
Total: ~$17,000
Kinda anxious to pay down the mortgage, especially since even more money can flow into investments that way. Calculations seem to indicate that throwing my stocks into the mortgage after I reach that level will net me more in the long term than paying it down at my current monthly rate of $1170 at 4.5% interest. I should probably redo those calculations under a refinancing scenario though.
Is 4.5% a normal rate in the USA?
Seems astronomically high to me (in Britain). Mine is at 1.8% which is high (and will hopefully be re-negotiated and reduced next September).
American Funds: $10,824
Robinhood: $18,200 (but fluctuating +/500 these days)
Edward Jones: $28,070
House equity: $58,000
Mortgage balance: $97,000
Total: ~$17,000
Kinda anxious to pay down the mortgage, especially since even more money can flow into investments that way. Calculations seem to indicate that throwing my stocks into the mortgage after I reach that level will net me more in the long term than paying it down at my current monthly rate of $1170 at 4.5% interest. I should probably redo those calculations under a refinancing scenario though.
Is 4.5% a normal rate in the USA?
Seems astronomically high to me (in Britain). Mine is at 1.8% which is high (and will hopefully be re-negotiated and reduced next September).
It's a bit higher than current rates. I refinanced at 3.0% with a 30 year fixed rate mortgage a few months ago.
American Funds: $10,824
Robinhood: $18,200 (but fluctuating +/500 these days)
Edward Jones: $28,070
House equity: $58,000
Mortgage balance: $97,000
Total: ~$17,000
Kinda anxious to pay down the mortgage, especially since even more money can flow into investments that way. Calculations seem to indicate that throwing my stocks into the mortgage after I reach that level will net me more in the long term than paying it down at my current monthly rate of $1170 at 4.5% interest. I should probably redo those calculations under a refinancing scenario though.
Is 4.5% a normal rate in the USA?
Seems astronomically high to me (in Britain). Mine is at 1.8% which is high (and will hopefully be re-negotiated and reduced next September).
It's a bit higher than current rates. I refinanced at 3.0% with a 30 year fixed rate mortgage a few months ago.
30 year fixed rates seem really risky for both banks and homeowners. In the UK we usually fix the rate for 2/3 years before refinancing (or going onto a 'variable' rate, which are usually the national interest rate + x%). Surprised there isn't a bank in America offering something similar, but then again, what do I know. :')
American Funds: $10,824
Robinhood: $18,200 (but fluctuating +/500 these days)
Edward Jones: $28,070
House equity: $58,000
Mortgage balance: $97,000
Total: ~$17,000
Kinda anxious to pay down the mortgage, especially since even more money can flow into investments that way. Calculations seem to indicate that throwing my stocks into the mortgage after I reach that level will net me more in the long term than paying it down at my current monthly rate of $1170 at 4.5% interest. I should probably redo those calculations under a refinancing scenario though.
Is 4.5% a normal rate in the USA?
Seems astronomically high to me (in Britain). Mine is at 1.8% which is high (and will hopefully be re-negotiated and reduced next September).
It's a bit higher than current rates. I refinanced at 3.0% with a 30 year fixed rate mortgage a few months ago.
30 year fixed rates seem really risky for both banks and homeowners. In the UK we usually fix the rate for 2/3 years before refinancing (or going onto a 'variable' rate, which are usually the national interest rate + x%). Surprised there isn't a bank in America offering something similar, but then again, what do I know. :')
We have that. It's called an ARM mortgage. It's one of the things that caused a lot of problems in 2008/2009.
American Funds: $10,824
Robinhood: $18,200 (but fluctuating +/500 these days)
Edward Jones: $28,070
House equity: $58,000
Mortgage balance: $97,000
Total: ~$17,000
Kinda anxious to pay down the mortgage, especially since even more money can flow into investments that way. Calculations seem to indicate that throwing my stocks into the mortgage after I reach that level will net me more in the long term than paying it down at my current monthly rate of $1170 at 4.5% interest. I should probably redo those calculations under a refinancing scenario though.
Is 4.5% a normal rate in the USA?
Seems astronomically high to me (in Britain). Mine is at 1.8% which is high (and will hopefully be re-negotiated and reduced next September).
It's a bit higher than current rates. I refinanced at 3.0% with a 30 year fixed rate mortgage a few months ago.
30 year fixed rates seem really risky for both banks and homeowners. In the UK we usually fix the rate for 2/3 years before refinancing (or going onto a 'variable' rate, which are usually the national interest rate + x%). Surprised there isn't a bank in America offering something similar, but then again, what do I know. :')
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 )
June 2019 - $27,758
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
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
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
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
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
Goals for 2020:
Savings: 5250
Investments: 14750
Incredibly, despite everything, I just about reached my mid-year goal of 15k! So I'm on track for 20k by the end of the year. And that was an aspirational goal that I never expected to reach. Who knows what the second half of this year will bring but so far it's (financially) going well.
Also my job just became a lot more secure/demanding suddenly. This also provides lots of upside potential as well though. A coworker quit yesterday to move to another larger company and I'm supposed to take over most of his responsibilities. I'm still early in my career and not really qualified for these tasks yet to be honest, so the learning curve in the next months should be pretty steep which I view as a plus. Also we're a small firm and him leaving frees up a lot of budget which I will use to try and negotiate a raise along with the additional responsibilities.
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
Don't forget to update your net worth in the spread sheet.
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit#gid=0
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
6/1/2020: $19,606.73
7/1/2020: $26,480.37
I realized this month that my automated monthly payments -- my minimum student loan principal payment, my mortgage principal payment, and my regular monthly contributions to my 401k and HSA -- increase my net worth by more than $4000 every month (well, unless my investment contributions lose value in the market, but that's temporary), even if I don't manage to save another cent. That's a really good feeling!
4/1/18 - 8,288.95
11/14/18 - 17,977.82
3/30/19 - 24,649.79
7/1/19 - 29,604.18
10/1/19 - 31,878.15
1/1/20 - 36,198.66
4/1/20 - 35,304.66
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.Jun2020$56,760.75 ($5147.33) Heading in the right direction!
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)
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 - - - Sept $25,361 - - - Oct $27,333 - - - Nov $31,211 - - - Dec $33,422 - - -
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
15 July 2020 - 90,232
Slightly underwhelming update BUT
Mid month updates are usually less big due to how my 401k gets paid
I am still waiting on EOFY dividends
Basically still on track for my plan, hoping to graduate by 1st September
15 July 2020 - 90,232
Slightly underwhelming update BUT
Mid month updates are usually less big due to how my 401k gets paid
I am still waiting on EOFY dividends
Basically still on track for my plan, hoping to graduate by 1st September
You're so close! Really encouraging to see so thank you for posting. Can't wait until you move to the race to 200k :)
Portfolio broke 25000 today :)
What might be suitable future milestones? 33, 50 and 75 on the road to 100?
Portfolio broke 25000 today :)
What might be suitable future milestones? 33, 50 and 75 on the road to 100?
July 2019 - $29,419
August 2019 - $29,884
September 2019 - $30,602
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
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
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 )
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
I broke 20k! I might actually get to 25k invested before the end of the year.
As of 7/31, we hit ~$107K invested. NICE!!!! See you all in the race from 100 to 250KThought I would introduce myself to the challenge, thanks to a tip from @JCGreen .
Have investments totaling ~$45,000 between DW and I, split in a few Roth IRA's and a 401k.
I haven't seen anyone else mention, so I'll ask - I'm not including any equity in my home, right? Purchased for $248K and have $168K in equity, but I'm not counting that as part of my NW for SWR calculations.
Hope to be able to make some serious headway here and reach this goal by 12/2020!
As of 6/1/2020, we are at $93K invested. I totally forgot that I had posted here a year ago. Honestly, I thought that hitting 100K by 12/2020 would be a long shot when I posted it, but I'll hit it in another month. INSANE. I can't believe how well it works just to be on autopilot - we have our automatic investments every month, and I haven't even thought about it in, well, like a year, judging by my last post.
Just wanted to say keep at it everyone!
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
July: 15345,09
Goals for 2020:
Savings: 5250
Investments: 14750
I've accepted a much better paid job that I will start in late autumn! I will be working from home at least the first couple of months, my new employer is very careful about the pandemic. I was going to start my last term in grad school this autumn and they've asked me to defer a year. In exchange they'll pay my tuition next year. It's a super steady job so it's exactly what I need at this point in time. Also when we do go back to the office, the commute is less than 10 minutes by bike!
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.Jul2020:$61,567.54 (+4,807) Getting some decent growth these last couple months, only spent 2 months in the 50k's. We will see how long I stay in the 60's. Only 14k left for this years goal!
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)
Decided to make my first post here, as I find this thread very motivating.
Started reading MMM in January, 2019:
2019-Jan: $9500
2020-Jan: $20,000
2020-Jul: $45,000
So far on track to break 50k in October.
Decided to make my first post here, as I find this thread very motivating.
Started reading MMM in January, 2019:
2019-Jan: $9500
2020-Jan: $20,000
2020-Jul: $45,000
So far on track to break 50k in October.
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
01/06/2018: -60
01/01/2019: 2875.28
01/07 2019: 9288.2
01/08/2019: 10.485.05
01/09/2019: 11554.85
28/09/2019: 12.182,10
24/10/2019: 13.082.24
26/11/2019: 14,311.49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Goal 01/01/2021: 27.500 Excluding sinking funds for holidays and health insurance, including student loan at 0.01% interest.
Good increase due to holiday payment this month. Will see how things go from here, as I have quit my job.
Decided to make my first post here, as I find this thread very motivating.
Started reading MMM in January, 2019:
2019-Jan: $9500
2020-Jan: $20,000
2020-Jul: $45,000
So far on track to break 50k in October.
Welcome! You're making amazing progress @FrugalFukuoka!
Decided to make my first post here, as I find this thread very motivating.
Started reading MMM in January, 2019:
2019-Jan: $9500
2020-Jan: $20,000
2020-Jul: $45,000
So far on track to break 50k in October.
This is really big progress. Congratulations!
Jan 17: $19,166.96
Feb 17: $20,947.41
Mar 17: $21,475.05
April 17: $27,876.31
May 17: $29,012.44
I've accepted a much better paid job that I will start in late autumn! I will be working from home at least the first couple of months, my new employer is very careful about the pandemic. I was going to start my last term in grad school this autumn and they've asked me to defer a year. In exchange they'll pay my tuition next year. It's a super steady job so it's exactly what I need at this point in time. Also when we do go back to the office, the commute is less than 10 minutes by bike!
Congrats @jps!!
6/1/2020: $19,606.73
7/1/2020: $26,480.37
8/1/2020: $40,657.65
What?? This feels insane and impossible, but my spreadsheet promises it's true.
I did receive a small, unexpected advance on my year-end bonus this month -- I continue to be very grateful to have employers who are working hard to make sure their employees are cared for during a tough time -- but most of this increase is due to market gains, which of course might vanish any day. Still, it's wild.
I don't remember the last time I posted here. The graph says I was $33,400 in 11/1/2019
I am now at $49500 ;3
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 - - - Oct $27,333 - - - Nov $31,211 - - - Dec $33,422 - - -
December 31, 2017- $25,583August 08, 2020 - $90,006
March 31, 2018- $30,379
June 30,2018- $37,950
01/06/2018: -60
01/01/2019: 2875.28
01/07 2019: 9288.2
01/08/2019: 10.485.05
01/09/2019: 11554.85
28/09/2019: 12.182,10
24/10/2019: 13.082.24
26/11/2019: 14,311.49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Goal 01/01/2021: 27.500 Excluding sinking funds for holidays and health insurance, including student loan at 0.01% interest.
Good increase due to holiday payment this month. Will see how things go from here, as I have quit my job.
01/08/2020: 22,701.09. From here on out my total will go down, as I am currently unemployed and have lived of the remaining payments. Let's see where we get.
May 31, 2020: $14,889.84
June 30, 2020: $16,337.43 (+1447.59)
May 31, 2020: $14,889.84
June 30, 2020: $16,337.43 (+1447.59)
July 31, 2020: $21,546.30 (+5208.87)
Huge (for me) jump due mostly to tax returns. Some of which will eventually siphon off for carpet replacement but a large chunk went to pay down debt. Just over $12k left of non-mortgage debt, cannot wait for that day.
good to have you back, looks like you made a lot of progress in the meantime :)December 31, 2017- $25,583August 08, 2020 - $90,006
March 31, 2018- $30,379
June 30,2018- $37,950
*** HELLO GUYS! HAVENT POSTED IN A WHILE, A LONG WHILE, BUT HERE IS MY UPDATE AS OF TODAY! HOPE EVERYONE IS STAYING SAFE AND CORONA FREE! XOXOXO
Hi all, first post!
01 Jun 2019 NW £44,112
01 Jul 2019 NW £46,737
02 Apr 2020 NW £61,865
15 Aug 2020 NW £73,912
2020 | 2021 | 2022 | 2023 | |
Jan | - | - | - | - |
Feb | - | - | - | - |
Mar | - | - | - | - |
Apr | - | - | - | - |
May | - | - | - | - |
Jun | - | - | - | - |
Jul | 86.134 | - | - | - |
Aug | 87.989 | - | - | - |
Sept | - | - | - | - |
Oct | - | - | - | - |
Nov | - | - | - | - |
Dec | - | - | - | - |
Wow @Rosy you are doing great!! That's really worth a celebration. And even if you're not going to do the RE part of FIRE, how great is it to know you're prepared for the future?
In August my N/W grew by £853.95 to a total of 34,183.23
My savings rate has deteriorated with my reduced earnings so far this year (relating to COVID). But I wouldn't change it. The time off work has been brilliant for my mental health, my house is 'almost' immaculate and despite being physically separated, I've spent more time communicating with friends and family. I'm 'nearly' as fit as I have ever been. So I'm very much a glass half full person today. I've still been contributing to my investments and pension and my emergency fund hasn't been touched.
From next month we're becoming a single-car household (which should save hundreds of £'s per month).
Let's keep the snowball rolling. :)
In August my N/W grew by £853.95 to a total of 34,183.23
My savings rate has deteriorated with my reduced earnings so far this year (relating to COVID). But I wouldn't change it. The time off work has been brilliant for my mental health, my house is 'almost' immaculate and despite being physically separated, I've spent more time communicating with friends and family. I'm 'nearly' as fit as I have ever been. So I'm very much a glass half full person today. I've still been contributing to my investments and pension and my emergency fund hasn't been touched.
From next month we're becoming a single-car household (which should save hundreds of £'s per month).
Let's keep the snowball rolling. :)
Is "Matched Betting Balance" seriously the balance of a sports betting account, where you are using free bets to make a safe profit?
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! :)
Very quick update but I had really hoped that the 2nd half of 50k would go quicker than the first... After breaching £50k at the start of this month, now with only putting in £300, I'm at £52k - so it definitely seems like it will! I know things go up and down, but for me getting from zero to £2k took a helluva lot longer than 3 weeks.
This effect must be truly magical when you get to 100k+. Really given me a dose of inspiration checking my accounts today.
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
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 )
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.Aug2020:$68,102.96 (+$6,535) - Last couple of months have been great! Another month like this, and I will have made it to my 2020 goal! We will see what the stock market does, as it tends to fluctuate a lot during the election time period.
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)
@FrugalFukuoka - hoping for a one-month update! :)
Decided to make my first post here, as I find this thread very motivating.
Started reading MMM in January, 2019:
2019-Jan: $9500
2020-Jan: $20,000
2020-Jul: $45,000
So far on track to break 50k in October.
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
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 | - | - | - |
Nov | $31,211 | - | - | - |
Dec | $33,422 | - | - | - |
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
I have to boost my income. I don't even make what you guys add to your stache each month...
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
Goals for 2020:
Savings: 5250
Investments: 14750
Another good month, financially speaking! My wealth has been increasing by 1000/ month over the last 6 months! That's just incredible, considering that my average income over the past 6 months has been around 2350 after taxes. So that's a 42,5% savings rate, actually a little bit more if you count the principal part of the mortgage as savings. Not too bad!
I feel a bit guilty that the pandemic is making me so rich. I get most of my food from independent stores now and have had more food delivered over the past 6 months than in my whole pre-pandemic life, I ordered several big orders of craft supplies from local retailers, I've purchased online classes from local teachers. I've been consciously spending to help support the businesses I value, but I'm still just saving so much money. And I haven't even started my new job yet!
My friend is in a very difficult position where she doesn't really have a place to live - a fixed low income due to disability, living with a partner she needs to leave, doesn't qualify for any place on the private market due to her income, is on the waiting list for a council flat but that's going to take years. Before moving in with her partner she lived in a shelter-type accommodation that was extremely unsafe - and both of us are used to living in places that are kind of rough, she wasn't overreacting. I wish I could help her somehow. I have lots of money but not enough to be any kind of help. She's not the type that's looking for a handout at all, she'd never ask, but I wish I was able to buy a cheap apartment in her town and rent it to her for a fair price. I've explored the options and even though it would benefit both of us financially, I just won't be able to afford it for probably the next 2 years at least. For now, I'm just helping her write complaints about every landlord who has rejected her on the grounds of her disability, because that's actually illegal. Not hopeful that's going to achieve anything though.
August 2019 - $29,884
September 2019 - $30,602
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
I have to boost my income. I don't even make what you guys add to your stache each month...
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
Paid off my student loan this month - it was 0% but still a nice milestone.
Also got the government retirement credit of $500 for the year, so currently sitting at $22,800, from $16,600 a year and a bit ago. It's encouraging to see it add up with just small steps.
@Feivel2000 have you seen the race to 10k thread? It's probably the most important of all the "Race to...X" threads because it gets people in the zone and sets the right behaviour patterns for everything that follows. Might be worth checking out if you haven't?
@Feivel2000 gosh, well I should be taking tips from you then! :)
Big lull in updates:
Dec 2019: 64,220.99
Jan 2020: 67,932.57
Feb 2020: 80,369.63
Mar 2020: 80,329.80
Sep 2020: 123,374
Made it! Thanks for the motivation to keep saving even in times of uncertainty. See you all on the next thread! Good luck everyone!
Progress continues on building up the savings. Not as quite impressive as others have done this last month but progress is progress.
6/14/2020 $50,099
7/1/2020 $51,768
8/1/2020 $56,146
9/5/2020 $59,010
Solid progress this month. Also started a side gig this week that should help the progress keep going.
Progress continues on building up the savings. Not as quite impressive as others have done this last month but progress is progress.
6/14/2020 $50,099
7/1/2020 $51,768
8/1/2020 $56,146
9/5/2020 $59,010
Solid progress this month. Also started a side gig this week that should help the progress keep going.
Good job, @jdhansen . Others on here have reminded me that each of us has our own individual
journey, and your own progress is all that matters. Adding nearly $10k to your networth
in less than three months is far better than most people, notwithstanding the unusual
savings environement on this site ;) Cheers
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
2020 | 2021 | 2022 | 2023 | |
Jan | - | - | - | - |
Feb | - | - | - | - |
Mar | - | - | - | - |
Apr | - | - | - | - |
May | - | - | - | - |
Jun | - | - | - | - |
Jul | 86.134 | - | - | - |
Aug | 87.989 | - | - | - |
Sept | 90.473 | - | - | - |
Oct | - | - | - | - |
Nov | - | - | - | - |
Dec | - | - | - | - |
September update:
My N/W grew by £808.09 to a new total of £34,991.32.
Same as the previous six months. I've been contributing my usual amounts to my ISA and pension, but due to COVID related reductions in earnings, I'm not making as much progress as I should have. Markets also seem to have slipped back the past few days (which is good as I'm due to buy more stocks at the end of this week).
Determined the break the £35k mark next month. I've got rid of my car, which will save me some extra money each month. I might need to get another one in the future, but in the current environment, there's no point paying for one.
I started my journey exactly 3 years ago today with a N/W of -£1,382.07. In that time I've doubled my earnings (although not over the last 6 months lol) and decreased my spending. I still have a long way to go and I'm far from the most frugal person on these forums, but I'm very happy with the progress I made and I'm a much happier/healthier person as a result of my financial position today.
I'm having one of those spells where I'm getting frustrated and feeling like this is going to take forever, but just had a read through this thread and it's given me the boost I needed. So wanted to say thanks to everyone for your updates! Keep on truckin'
I'm having one of those spells where I'm getting frustrated and feeling like this is going to take forever, but just had a read through this thread and it's given me the boost I needed. So wanted to say thanks to everyone for your updates! Keep on truckin'
September 2019 - $30,602
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
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 )
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
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
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
The numbers don't look as nice this month, but that's just because Thursday is payday. I actually think I'll see 25k invested by the end of the month! I wasn't expecting that before the end of the year. I suppose I'm a bit speechless.
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
25 Sept 2022 | 11 699.98 |
@dominikm It's good that you've 'seen the light' and you seem like you're doing very well for yourself - congratulations on that. I'll take a look at your journal and wish you all the best. You're right in what you're saying - Mustachianism is about being aware of your spending. But adding to that further it's being aware of the correlation between spending and happiness. In your case, it seems as if the process of growing your stache is bringing fulfilment.
Here is me and SO, nothing impressive and late to the game but as they say better late than never
25 Sept 2022 11 699.98
Here is me and SO, nothing impressive and late to the game but as they say better late than never
25 Sept 2022 11 699.98
Hey @catlady are you a time traveller? "25 Sept 2022". So can you please enlighten all of us? Is 2022 back to normal or is the world even more messed up? haha 😂 😂 😂
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 spouses 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 masters 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 its 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, Im starting to bring in enough to give us some cushion in our finances. So here we go :)
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.Sep2020:$68,212.95 (+$109.99) - Not a lot of progress this month - lost a little in the market, but additions were typical for me. Great job to everyone that graduated.
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)
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 - - -
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 spouses 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 masters 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 its 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, Im 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.
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.
2020 | 2021 | 2022 | 2023 | |
Jan | - | - | - | - |
Feb | - | - | - | - |
Mar | - | - | - | - |
Apr | - | - | - | - |
May | - | - | - | - |
Jun | - | - | - | - |
Jul | 86.134 | - | - | - |
Aug | 87.989 | - | - | - |
Sept | 90.473 | - | - | - |
Oct | 94.093 | - | - | - |
Nov | - | - | - | - |
Dec | - | - | - | - |
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
$41,914 - 401k
2,376 - ESPP
13,098 - Roth IRA
23,209 - taxable brokerage
3,258 - checkign
2020 | ||
25 Sept | 11 699.98 | |
25 Oct | 15 171.88 (+3,471.9) |
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
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
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!!!
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 )
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.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!
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)
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
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
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 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!
I'm back up to about $54,750 so if you add our totals together we're there!
Excellent!! Want to get married? LOL.
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.
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
Only 7 weeks of 2020 left. Let's see if we can end this year with a nice big plus!
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)
Ive reached 100k !!!
Thank you all for the motivation !
Good luck to all of you.. see you guys on the next forum!
*457/401k only*
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 | - | - | - | - |
I checked my ISA this morning.
When the markets dropped earlier in the year I was 23% down on what I'd paid in. Today I'm up 20% overall. They're only modest amounts compared to some people on this forum, but none the less it's been a crazy year.
I checked my ISA this morning.
When the markets dropped earlier in the year I was 23% down on what I'd paid in. Today I'm up 20% overall. They're only modest amounts compared to some people on this forum, but none the less it's been a crazy year.
Same here. I'm not sure what the lowest low was exactly, it was somewhere in late March when several members of my family had Covid. But I opened thid account 1 Jan 2016 and I'm at +35% overall now. That's a steady 7% a year. I remember the morning after the Brexit referendum. I had only been investing for a few months and I was massively in the red and now that blip is literally invisble in the graph. Even the Covid dip will look tiny in a few years.
Just set up the baseline contribution to my portfolio for next year. Two months early.
52% of every net paycheck will go straight to my freedom fund, up from 50% this year.
Plus whatever part of the remainder i can get away with not spending throughout the year, of course.
I checked my ISA this morning.
When the markets dropped earlier in the year I was 23% down on what I'd paid in. Today I'm up 20% overall. They're only modest amounts compared to some people on this forum, but none the less it's been a crazy year.
Same here. I'm not sure what the lowest low was exactly, it was somewhere in late March when several members of my family had Covid. But I opened thid account 1 Jan 2016 and I'm at +35% overall now. That's a steady 7% a year. I remember the morning after the Brexit referendum. I had only been investing for a few months and I was massively in the red and now that blip is literally invisble in the graph. Even the Covid dip will look tiny in a few years.
It's especially impressive when you consider the impact Brexit has had. If it were a smooth, sensible transition, I wouldn't have been surprised. But considering our government are making a pigs ear out of leaving the EU, I'd have expected European/British stocks to struggle. I guess it shows that you can't predict the stock market in any scenario!
Hope things are ok in Holland btw!
March 19 10450
Apr 19 12500
May 19 14800
June 19 17031
July 19 20100
Aug 19 23300
Sept 19 26300
Oct 19 29300
Nov 19 30500
Dec 19 33800
Jan 20 37100
Feb 20 37100
March 20 38413
Apr 20 32000
May 20 37000
June 20 42500
July 20 46300
Aug 20 50200
Sept 20 53400
Oct 20 55700
Nov 20 62000
Kind of surreal how much things picked up this year. I think continually investing in a broadly diversified set of ETFs helped a LOT. Gotta stay the ourse ;). I'm at the point where this is super easy as everything is automated Between betterment and fidelity. At this current path, I'll hit 100k+ in over a year.
You are doing great @Manchester and @shinn497 !!
I'm also not sure that to do with my money right now. I was thinking of increasing my monthly automatic transfer to post-tax investments (currently 300) now I have started a better paid job, but I think I'll leave it like that for a bit and increase my emergency fund first. It's currently 3000 which covers 3 months of expenses, in these uncertain times I'd like to double it. I have an automatic transfer to my pre-tax retirement account too but I've nearly maxed out that one out. So that meass even more money available in a few months. I guess this is the very definition of a Mustachian People Problem!
Do you have any debts that make sense to pay off? My student loan is 4000 @ 0% and mortgage 65000 @2,25% (conservative estimate of LTV = 70%) so it makes little sense to pay those off faster than necessary.
July 1: $94,885
August 1: $99,157
September 1: $96,161
October 1: $92,650
November 1: $94,512
November 14: $101,023
July 1: $94,885
August 1: $99,157
September 1: $96,161
October 1: $92,650
November 1: $94,512
November 14: $101,023
It's official!
November 28th: $103,303.57
On to the next thread!
July 1: $94,885
August 1: $99,157
September 1: $96,161
October 1: $92,650
November 1: $94,512
November 14: $101,023
It's official!
November 28th: $103,303.57
On to the next thread!
July 1: $94,885
August 1: $99,157
September 1: $96,161
October 1: $92,650
November 1: $94,512
November 14: $101,023
It's official!
November 28th: $103,303.57
On to the next thread!
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
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!!!
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 )
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
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 Sept 20 $62.9k
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!
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
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
01/12/2020 - £112,302.49
Wow, it's graduation time! I had a windfall, the market is nuts and I finally have access to 1 of my husbands accounts that I wasn't always getting a monthly update on.
Feel a little iffy about putting my windfall into the market as its so high but trying not to overthink it.
I'll see you on the next thread @okcisok @Optimiser and @Dave15, I like your idea of a charitable donation from your windfall and think I'll follow in your footsteps.
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
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!
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!
I'm up to almost $62,000 so as a couple we did great this month! LOLOL
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.
So inspiring! I'm 22 and relatively new to MMM. I'm aiming to hit $32-33k by Oct 2021. I've been a bit lucky in the past couple of months with some extra cash flowing in, but I'm hoping to keep my savings rate up. Hoping to learn a lot from all of you, and from committing to this challenge!
(Start of)
Oct 2020: $4,757
Nov 2020: $7,823
Dec 2020: $10,385 (Started MMM $100k challenge)
First time poster to this challenge. I'm going to count my investment accounts for this challenge. We also have cash on hand as an emergency fund and for short term savings (about $25k) that my SO would rather not invest... fair enough. We have been tracking for several months but just now joining the challenge.
Aug 2020 $ 7,009.45
Sep 2020 $11,791.74
Oct 2020 $31,492.96*
Nov 2020 $41,576.98
*rollover IRA from teaching pension funds
First time poster to this challenge. I'm going to count my investment accounts for this challenge. We also have cash on hand as an emergency fund and for short term savings (about $25k) that my SO would rather not invest... fair enough. We have been tracking for several months but just now joining the challenge.
Aug 2020 $ 7,009.45
Sep 2020 $11,791.74
Oct 2020 $31,492.96*
Nov 2020 $41,576.98
*rollover IRA from teaching pension funds
Welcome! You've already made some serious progress this year!
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.Nov2020: $76,790.63 (+$7,814.4) Yippee! Hit my goal for the year! I am a bit late posting as I just got a new computer, but the number were taken from the end of November for the most part. With a little luck, I should be able to hit the 100k goal easily next year.
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)
November 2020 Update
3/31/2017 (52,848.85) - Found MMM
3/31/2018 $(14,916.69) - 1 year in
3/31/2019 $9,917.20 - 2 years in
3/31/2020 $22,896.16 - 3 years in
4/30/2020 $32,841.74
5/31/2020 $41,382.08
6/30/2020 $49,125.78
7/31/2020 $54,499.66
8/31/2020 $61,881.00
9/30/2020 $60,837.47
10/31/2020 $60,621.36
11/30/2020 $69,864.27
Haven't updated in a couple months. August through October were pretty flat but November made a come back. Hoping to finish off the year at $75k
401K IRA Total
Jan 2018: $1,050 $1,230 $2,280
Jan 2019: $6,800 $3,500 $10,300
Jan 2020: $12,100 $6,600 $18,700
Feb 2020: $12,500 $6,500 $18,000
Mar 2020: $12,700 $6,100 $18,800
Apr 2020: $12,100 $5,100 $17,200
Aug 2020: $21,200 $6,800 $28,000
Nov 2020: $29,000 $7,500 $36,500
Hopefully I'll start contributing to my IRA in January. My discretionary spending has been a little out of hand.
I broke over $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.
All said, I'm increasing my NW by about 2k a month based on those figures and would hit 100k in about 37 months putting it out to about March 2022. I believe with an upcoming raise, bonus, and other small windfalls that come and go, I'm looking at a goal of December 31st 2021 to hit 100k. Current salary is 49k.
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)
12/1/2020: $56,152 (+2,210)
Finally paid off the last of our debts so savings rate should go up in January. But also have some pretty big home expenses coming up in the spring aka a new roof :(
Woohoo, xmas-bonus :)
i noticed some EUR and GBP being thrown around. Are you guys racing to 100k in your local currency or converting to USD like i do?
Woohoo, xmas-bonus :)
i noticed some EUR and GBP being thrown around. Are you guys racing to 100k in your local currency or converting to USD like i do?
Woohoo, xmas-bonus :)
i noticed some EUR and GBP being thrown around. Are you guys racing to 100k in your local currency or converting to USD like i do?
Wow, $130k in improvement in just over 3 1/2 years. Not too shabby, @haypug16
Wow, $130k in improvement in just over 3 1/2 years. Not too shabby, @haypug16
Thanks :) I'm pretty proud. For a while I was heading in the oppisite direction but really happy to have found MMM and worked hard to turn things around.
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)
12/1/2020: $56,152 (+2,210)
Finally paid off the last of our debts so savings rate should go up in January. But also have some pretty big home expenses coming up in the spring aka a new roof :(
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)
12/1/2020: $56,152 (+2,210)
Finally paid off the last of our debts so savings rate should go up in January. But also have some pretty big home expenses coming up in the spring aka a new roof :(
Congratulations, elimination of debt is a huge milestone!
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)
12/1/2020: $56,152 (+2,210)
Finally paid off the last of our debts so savings rate should go up in January. But also have some pretty big home expenses coming up in the spring aka a new roof :(
Way to go @mgardner88
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 | 103.130 | - | - | - |
Hi all, first post!15 Dec 2020 NW £80,781
01 Jun 2019 NW £44,112
01 Jul 2019 NW £46,737
02 Apr 2020 NW £61,865
15 Aug 2020 NW £73,912
Got some paychecks on the way!
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
12/23/20- $64158
Paychecks should be here no later than this Weds- works said they would submit early.
Finally got paid for a gig the first week of September. Realized also that I hadn't been counting crypto investments which is another cool $960. Nothing major. I had a bunch of housecalls although it's now ended. Couple nice end of year tips from patients which is awesome (also a generous Etsy gift card which is super perfect...tho I'm going to save it for the wedding-or-whatever-we're-calling-it stash)
Don't plan to have any more income after Wednesday- taking some well-deserved time off in the woods to rest up for the new year.
I will say I've been lazy tho with bank bonuses lately, but my partner is wanting me to help him and it's a reminder to get on it myself. I did a ton in the first half of the year but not as much since.
Woo-ness. Happy holidays- y'all keep crushing it into 2021.
Next year I am shooting for a 50% savings rate. I am going to create a Case Study (or Journal). See you all at the next thread!
Hi all,
New to the forum, but been working on FIRE for the past 2 years. I graduated from college in december 2018, and started an engineering job end of january 2019, I am 25 now. I started off with pretty much no savings (< $5K), around $10K in credit card debt and ~30K in student loans, and moved to a new town to start my job. Luckily I have a killer deal for rent ($265/mo + $80-100 in utilities, due to splitting with 1 roommate), paid cash for a $3.5K car in december 2018 that's been pretty reliable (on the MMM list :)). Bought a car because I live 5-10 miles from work, work is a chemical plant so I hope I get excused for not wanting to live right next to it lol, no properties for rent nearby anyways.
Since a year before graduating I knew FIRE was one of my top goals, prior to that I did not save as much as I could have in college. Even though I went to community college I kinda spent all the extra money on weed and going out, and then once I transferred I lived in a studio for 2 years instead of having roommates. But hey at least I found this path before getting a job.
I'm making good money ($75K starting, now at $82.5K + bonus ($5K this year)), and saving a lot of it. Employer matches 5% of salary plus $5K/yr on 401K. Really started buckling down this year, maxing 401K and roth IRA in addition to investing what's left over. I'd say I earn the money, technically on call 24/7 and can be a stressful job, but average <50 hr/week. Managed to invest a lot of cash right around the COVID dip, and also refinanced my 401K to be 100% VTI equivalent right around then... Sitting at around 12% ROI for the year, all stocks.
Date Bank Brokerage 401k roth student loans Net
12/29/2019 2389 19835 52506 16500 -20000 71230
7/4/2020 4169 9746 30107 11721 -20000 35743
12/1/2019 11013 0 16159 1054 -26500 1726
Target NW is $500K, goal is to live off <$20K/yr. Also planning on helping mom for her retirement (~$500/mo). Not sure what my savings rate is right now since I don't follow a budget, but I'm mostly optimized relative to my income. Based on my calculations I should reach that NW around age 30-31, but I guess a lot of things can change by then. Also goal isn't to necessary RE at that age - I'd honestly be happy doing something like baristaFIRE for a few years.
Comments on a few spending categories
- cell phone (on ATT plan,pay $40/month, in theory can cut to $20 with mint given my usage and looking at doing that soon - edit: phone isn't compatbile with mint, will probably wait for mine to be dead prior to switching)
- car use (can WFH 50% of the time, don't bike as often as I could since 5-10 miles each way is above comfort range + midwest winter). Somewhat clown, but I bike for errands ~2-3x/week in non-winter months.
-utilities: internet is $50/month for the cheapest fiber option, and then the $150 is just for electricity which is high (split between 2). It's a smallish apartment, not sure what we can do to improve significantly, but plan on doing more investigating this year. - edit: realized my electric bill is around $75/mo, remaining $75 is water, sewage and taxes.
- food: I eat a vegetarian diet which is cheap, don't eat out too frequently (~1-2x/month) since there aren't that many worthwhile options, and when I do it's fast food. My 'splurging' on food would consist of grocery store bought processed food and liquids but I've been getting better about cutting those off
- mindless consumption: I am prone to buying dumb things I don't need or will use. Getting better, and will hopefully continue being considerate for my wallet and the planet. This is where my biggest opportunity is I think (1-3K/yr), I'm going to start budgeting to better understand it.
-travel: I am sort of over travel even pre covid. I still have to travel 1-2x/yr to see family, and outside of that would probably do a vacation somewhere 1-2x/yr with my SO, but nothing expensive.
- student loans: are at 4.5%, I'd refinance but doesn't make sense with the interest/payment moratorium and political climate. As soon as those are lifted I'll probably pay off $10K and refi the remaining 10 (getting ~2.7% fixed rate refi offer on credible/MMM link), unless student loan forgiveness is picking up steam...
Pretty proud of this year, hope I can keep it up :)
Month | Invested | TNW | ||
Aug 2020 | $7,009.45 | $44,173.61 | ||
Sep 2020 | $11,791.74 | $44,286.81 | ||
Oct 2020 | $31,492.96 | $64,282.56 | ||
Nov 2020 | $41,576.98 | $73,480.24 | ||
Dec 2020 | $50,880.91 | $81,261.12 |
I can finally join this club. At the beginning of the year, my wife and I decided to get our finances in order and work on paying down our massive student loans. We make a combined income of approx. $200k. We are in our early 30s with a young child. Started the year with a -$106,695.56 net worth and 11 months later (Dec 1 2020) have a net worth of $16,441.11. A $123k increase in overall NW. Below is the breakdown.
Assets Jan 1, 2020 Dec 1, 2020
W sav $21,593.00 $22,458.00
H sav $5,097.00 $10,086.00
W 401k $13,596.22 $25,825.00
H 401k $38,325.11 $54,615.48
W iras $2,757.33 $3,157.00
H ira $10,610.22 $12,147.51
W other $10,510.00 $597.76
H other $3,430.67 $3,927.48
H HSA $5,133.69 $8,722.00
home value$277,250.00 $287,050.00
car value $16,000.00 $14,856.00
Total $404,303.24 $443,442.23
Liabilities Jan 1, 2020 Dec 1, 2020
H student loan $64,753.43 $0.00
W student loan $246,590.47 $234,450.59
mortgage $195,574.90 $192,550.53
Credit Card $4,080.00 $0.00
Total $510,998.80 $427,001.12
NW -$106,695.56 $16,441.11
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
November 2020 - $50,152
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 Sept 20 $62.9k Nov 20 $69.9k
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 Sept 20 $62.9k Nov 20 $69.9k
Dec 20: $75.0k
My paycheck came early this week to make this a surprise 27-paycheck year. I never expected to have this much money at this point in my life.
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!!!
Dec 2020 : £62,368
Jan 2021 £64,542
Happy new year everyone! So great to see us all moving towards that 100k!
Stocks, even in ETF-form, have been a wild ride this year. Happy we came back up as hard as we went down - and got our discounted buys for a few months ;)
1. Jan 2019 4,822 1. Jan 2020 19,078 1. Jan 2021 48,231
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 )
01/12/2020: 32.157,81 (+2.182,04 )
2020 | ||
25 Sept | $11 699.98 | |
25 Oct | $15 171.88 (+$3,471.9) | |
25 Nov | $17,631.78 (+$2,459.90) | |
25 Dec | $22,462.17 (+$4,830.39) |
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
11/28/20 - $70,737
12/28/20 - $72,895
$50k improvement in our NW in 2 1/4 years. :)
Today for the first time ever I set aside 30% of my gross income for investments and savings.
I admit I was a little nervous
about it, it feels like letting go of the oars a bit and trusting that all will work out. But I'm thrilled.
Score for increased savings rate!
Hi all,
New to the forum, but been working on FIRE for the past 2 years. I graduated from college in december 2018, and started an engineering job end of january 2019, I am 25 now. I started off with pretty much no savings (< $5K), around $10K in credit card debt and ~30K in student loans, and moved to a new town to start my job. Luckily I have a killer deal for rent ($265/mo + $80-100 in utilities, due to splitting with 1 roommate), paid cash for a $3.5K car in december 2018 that's been pretty reliable (on the MMM list :)). Bought a car because I live 5-10 miles from work, work is a chemical plant so I hope I get excused for not wanting to live right next to it lol, no properties for rent nearby anyways.
Since a year before graduating I knew FIRE was one of my top goals, prior to that I did not save as much as I could have in college. Even though I went to community college I kinda spent all the extra money on weed and going out, and then once I transferred I lived in a studio for 2 years instead of having roommates. But hey at least I found this path before getting a job.
I'm making good money ($75K starting, now at $82.5K + bonus ($5K this year)), and saving a lot of it. Employer matches 5% of salary plus $5K/yr on 401K. Really started buckling down this year, maxing 401K and roth IRA in addition to investing what's left over. I'd say I earn the money, technically on call 24/7 and can be a stressful job, but average <50 hr/week. Managed to invest a lot of cash right around the COVID dip, and also refinanced my 401K to be 100% VTI equivalent right around then... Sitting at around 12% ROI for the year, all stocks.
Date Bank Brokerage 401k roth student loans Net
12/29/2019 2389 19835 52506 16500 -20000 71230
7/4/2020 4169 9746 30107 11721 -20000 35743
12/1/2019 11013 0 16159 1054 -26500 1726
Target NW is $500K, goal is to live off <$20K/yr. Also planning on helping mom for her retirement (~$500/mo). Not sure what my savings rate is right now since I don't follow a budget, but I'm mostly optimized relative to my income. Based on my calculations I should reach that NW around age 30-31, but I guess a lot of things can change by then. Also goal isn't to necessary RE at that age - I'd honestly be happy doing something like baristaFIRE for a few years.
Comments on a few spending categories
- cell phone (on ATT plan,pay $40/month, in theory can cut to $20 with mint given my usage and looking at doing that soon - edit: phone isn't compatbile with mint, will probably wait for mine to be dead prior to switching)
- car use (can WFH 50% of the time, don't bike as often as I could since 5-10 miles each way is above comfort range + midwest winter). Somewhat clown, but I bike for errands ~2-3x/week in non-winter months.
-utilities: internet is $50/month for the cheapest fiber option, and then the $150 is just for electricity which is high (split between 2). It's a smallish apartment, not sure what we can do to improve significantly, but plan on doing more investigating this year. - edit: realized my electric bill is around $75/mo, remaining $75 is water, sewage and taxes.
- food: I eat a vegetarian diet which is cheap, don't eat out too frequently (~1-2x/month) since there aren't that many worthwhile options, and when I do it's fast food. My 'splurging' on food would consist of grocery store bought processed food and liquids but I've been getting better about cutting those off
- mindless consumption: I am prone to buying dumb things I don't need or will use. Getting better, and will hopefully continue being considerate for my wallet and the planet. This is where my biggest opportunity is I think (1-3K/yr), I'm going to start budgeting to better understand it.
-travel: I am sort of over travel even pre covid. I still have to travel 1-2x/yr to see family, and outside of that would probably do a vacation somewhere 1-2x/yr with my SO, but nothing expensive.
- student loans: are at 4.5%, I'd refinance but doesn't make sense with the interest/payment moratorium and political climate. As soon as those are lifted I'll probably pay off $10K and refi the remaining 10 (getting ~2.7% fixed rate refi offer on credible/MMM link), unless student loan forgiveness is picking up steam...
Pretty proud of this year, hope I can keep it up :)
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
12/1/2020: $78,742.07
1/2/2021: $124,124.66
Well, okay then! A large year-end bonus plus another good month in the markets made December quite a month. Obviously it was a great year for me financially, even though it was hard in lots of other ways. I'm very grateful to have retained my employment when so many did not.
Happy New Year to all -- best of luck to everyone and I'll see you soon in the next thread!
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | - | - |
March | - | - | $14,632 | - | - |
April | - | $10,960 | $13,884 | - | - |
May | - | - | $17,011 | - | - |
June | - | - | $19,255 | - | - |
July | - | - | $20,358 | - | - |
August | - | - | $21,993 | - | - |
September | - | - | $23,312 | - | - |
October | - | - | $24,777 | - | - |
November | - | $13,466 | $26,407 | - | - |
December | $9,518 | - | $30,697 | - | - |
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
12/1/2020: $78,742.07
1/2/2021: $124,124.66
Well, okay then! A large year-end bonus plus another good month in the markets made December quite a month. Obviously it was a great year for me financially, even though it was hard in lots of other ways. I'm very grateful to have retained my employment when so many did not.
Happy New Year to all -- best of luck to everyone and I'll see you soon in the next thread!
Dec2020:$82,778 (+$5,987) 3 paycheck month, and some pretty high investment growth. I didn't max out my 401k, but I still had a pretty good year financially. $38,952 gain year over year which is about 78% of my yearly salary (I put in ~30% of my salary). Good job everyone on meeting goals!
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 2021 is to make it to $100K. - Aiming for June
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)
Nov2020:$76,790 (+$7,814)
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
Oct '20 60,900
Dec '20 62,900
**a disappointing year on this thread--my savings was hit by a kitchen renovation (a faucet leak ruined our counter and it snowballed from there). I was out of work for 3.5 months due to Covid, did too much stress-shopping & I also lent my sister $5K towards a house down-payment but I feel okay moving into 2021 with clear goals of less spending/more saving.
:)
Very disappointing indeed! ;) You were unemployed, paid for unexpected maintenance on your home, helped out a family member and you still ended up with more money than you started the year with!
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
11/30/2020: $80,093
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)
January 5, 2021 - $114,837.xx (+$11,387.xx)
Savings and investment growth over the past 219 days was $42,411. I'll take it and see what happens next year in the race to 250K.
Thanks to everyone keeping the thread active and keeping the challenge in the fore front of my thinking. When it was time to decide what to do with extra money I kept saying, "I am in the race to 100K."
401K IRA TotalWelp I sold my house and inherited some money so I'll have a large amount of cash until I decide to buy another home. Also I finally have my finances under control to where I can max out my roth.
Jan 2018: $1,050 $1,230 $2,280
Jan 2019: $6,800 $3,500 $10,300
Jan 2020: $12,100 $6,600 $18,700
Feb 2020: $12,500 $6,500 $18,000
Mar 2020: $12,700 $6,100 $18,800
Apr 2020: $12,100 $5,100 $17,200
Aug 2020: $21,200 $6,800 $28,000
Nov 2020: $29,000 $7,500 $36,500
Hopefully I'll start contributing to my IRA in January. My discretionary spending has been a little out of hand.
GOAL - $100K by Dec 2021
$ 4,588 June 2017
$ 10,117 Dec 2017
$ 10,715 Jan 2018
$ 31,034 Dec 2018
$ 31,094 Jan 2019
$ 50,000 Dec 2019
$ 53,000 Jan 2020
$ 85,000 Dec 2020
REVISED - UPDATE: $ 86,863 Jan 2021
Hi Everyone, recently passed 10k so wanted to check in here.
Emergency fund - 3k
Pension - 3469
ETF - 5290 (tax on gains not deducted)
Poker Roll - 140
Goal for 2021 is to reach 20k. GL everyone.
Just come to have a little vent. I'm very much in the looong middle ground of this race at 65k invested and I'm starting to get really itchy feet.
I dont even want to spend the money, I'm just grumpy about how long it is taking. It feels like the push forward to the next major milestone of 75k is a long way away.
Ok, rant over. Thanks everyone.
Just come to have a little vent. I'm very much in the looong middle ground of this race at 65k invested and I'm starting to get really itchy feet.
I dont even want to spend the money, I'm just grumpy about how long it is taking. It feels like the push forward to the next major milestone of 75k is a long way away.
Ok, rant over. Thanks everyone.
Been there @Stubblestache . I get it. You'll be surprised! Before you know it, that number will be in your rearview... Keep the faith, buddy
Just come to have a little vent. I'm very much in the looong middle ground of this race at 65k invested and I'm starting to get really itchy feet.
I dont even want to spend the money, I'm just grumpy about how long it is taking. It feels like the push forward to the next major milestone of 75k is a long way away.
Ok, rant over. Thanks everyone.
I wish I could step away but I get paid variable amounts each month so have to be a bit more hands on with it all. That's a good suggestion though @Trifele , I'll have a think of how I could spend less time glaring at the 'stash and willing it to get bigger.
Making steady progress, especially now that I have a 2nd part time job. I also did an uber frugal January, and it's amazing to see the progress that can be made just by cutting most spending outside of rent/food.
2020 2021 25 Jan $48 938 (+$26 476) 25 Sept $11 699.98 25 Oct $15 171.88 (+$3,471.9) 25 Nov $17,631.78 (+$2,459.90) 25 Dec $22,462.17 (+$4,830.39) Spoiler: show
Feb 2021 £66,616 Markets fell out a bit this week and I had a dabble in the Gamestop mania (came out unscathed but slightly up to entry).
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!!!
Dec 2020 : £62,368
Jan 2021 £64,542
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | - | - |
April | - | $10,960 | $13,884 | - | - |
May | - | - | $17,011 | - | - |
June | - | - | $19,255 | - | - |
July | - | - | $20,358 | - | - |
August | - | - | $21,993 | - | - |
September | - | - | $23,312 | - | - |
October | - | - | $24,777 | - | - |
November | - | $13,466 | $26,407 | - | - |
December | $9,518 | - | $30,697 | - | - |
@Serendip - give yourself credit, you are saving in spite of everything from kitchen renovations to helping out family, that's just life trying to interfere with your goals:).
You are almost 70% percent there.
SNIP
December: 19386,94
January: 20649.69
Goals for 2021:
Savings: 10.000
Investments: 25.000
Crossed the 20k mark! I used to have a small business on the side and I had one outstanding invoice, I decided to forgive that one. The business is struggling and it's a 3-figure amount that I won't even notice.
@Rosy you're doing fantastic!
Crossed the 20k mark!- CONGRATS, IMMA! -
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
Month | Invested | TNW | ||
Aug 2020 | $7,009.45 | $44,173.61 | ||
Sep 2020 | $11,791.74 | $44,286.81 | ||
Oct 2020 | $31,492.96 | $64,282.56 | ||
Nov 2020 | $41,576.98 | $73,480.24 | ||
Dec 2020 | $50,880.91 | $81,261.12 | ||
Jan 2021 | $57,339.00 | $89,777.45 |
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 Sept 20 $62.9k Nov 20 $69.9k Dec 20 $75.0k
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
11/30/2020: $80,093
12/31/2020: $84,002
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
November 2020 - $50,152
December 2020 - $52,356
@Serendip ..
There is only a fine line between giving up and acceptance as in stoicism. That is a scary proposition.
To me being stoic is almost like shutting down all your other emotions, perhaps even the oomph you need to triumph over difficult circumstances.
Of course, I might be totally missing the point:).
To me pragmatism is more helpful because whether we like it or not things do not always go our way so the better solution is to make the best out of any situation and remember to change yourself, a change in perspective, a change in plan or an AHA moment is way better than stoic acceptance.
Wow @DieHard_772 - you're hitting it hard - Yee haw:)
Getting closer and closer to the end of this race. I hope to finish by spring/summer this year :)
My stash has reached $79,000 (assuming a 20% loss on whatever gets pulled out of my 401k), which is larger than my remaining mortgage and student loan balances combined. Feels good.
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 2021 is to make it to $100K. - Aiming for June
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)
Nov2020:$76,790 (+$7,814)
Dec2020:$82,778 (+$5,987)
2020 2021 25 Jan $48 938 (+$26 476) 25 Feb $50 686.73 (+$ 1748) 25 Sept $11 699.98 25 Oct $15 171.88 (+$3,471.9) 25 Nov $17,631.78 (+$2,459.90) 25 Dec $22,462.17 (+$4,830.39) Spoiler: show
58,231 - First update in a while. Go :-)
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!!!
Dec 2020 : £62,368
Jan 2021 £64,542
Feb 2021 £66,616 Markets fell out a bit this week and I had a dabble in the Gamestop mania (came out unscathed but slightly up to entry).
March 2021 £67,305 - I was over 70k earlier this month! Markets have completely shit the bed. Look forward to looking back at this in X number of years and it barely even registering as a dip in the market.
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 2021 is to make it to $100K. - Aiming for JuneFeb2021:$86,608.20 (-$2482.27) The drop is entirely from the stock market dropping. It will probably go up next month, a little bit of extra money should get added to the stock market next month due to a bonus from work.
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)
Nov2020:$76,790 (+$7,814)
Dec2020:$82,778 (+$5,987)
2021
Jan2021:$89,090 (+$6,321)
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
Month | Invested | TNW | ||
Aug 2020 | $7,009.45 | $44,173.61 | ||
Sep 2020 | $11,791.74 | $44,286.81 | ||
Oct 2020 | $31,492.96 | $64,282.56 | ||
Nov 2020 | $41,576.98 | $73,480.24 | ||
Dec 2020 | $50,880.91 | $81,261.12 | ||
Jan 2021 | $57,339.00 | $89,777.45 | ||
Feb 2021 | $64,586.53 | $97,514.01 |
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 Sept 20 $62.9k Nov 20 $69.9k Dec 20 $75.0k Jan 21 $76.2k
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
11/30/2020: $80,093
12/31/2020: $84,002
[/2021b]
1/31/2021: $85,576
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | - | - |
May | - | - | $17,011 | - | - |
June | - | - | $19,255 | - | - |
July | - | - | $20,358 | - | - |
August | - | - | $21,993 | - | - |
September | - | - | $23,312 | - | - |
October | - | - | $24,777 | - | - |
November | - | $13,466 | $26,407 | - | - |
December | $9,518 | - | $30,697 | - | - |
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 Sept 20 $62.9k Nov 20 $69.9k Dec 20 $75.0k Jan 21 $76.2k
Feb 21: $79.0k
Right now I'm predicting ~$90k by the end of this year. Given my plans to get a new job and move across the country, I could easily exceed that or fall well short. We'll see!
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
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
Sooooo that number would have been higher had I not decided to impulse buy a new bike, but I impulse bought a new bike, so here we are. Haha.
Sooooo that number would have been higher had I not decided to impulse buy a new bike, but I impulse bought a new bike, so here we are. Haha.
I have to say...bikes are one of the best inventions! Hope you have a great time with your new bicyclette.
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)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)
Almost the entire amount added this month was due to contributions. Cash flowed our roof replacement but replaced the money in savings with our tax refund. Going to keep it there as a small emergency fund. With just our contributions we could get to 100k by December. Im hoping with the markets help to reach it by October. +24,323 added since ive been tracking. +14,466 this year.
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
11/28/20 - $70,737
12/28/20 - $72,895
1/28/21 - $79,429
2/28/21 - $83,727 (+$4,298)
Our progress is very satisfying. When including our checking accounts and tax accounts, we're within $5k of $100k.
It's happening. Feels great!
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
I'm over $80,000!!!
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
11/28/20 - $70,737
12/28/20 - $72,895
1/28/21 - $79,429
2/28/21 - $83,727 (+$4,298)
Our progress is very satisfying. When including our checking accounts and tax accounts, we're within $5k of $100k.
It's happening. Feels great!
Thank you @DieHard_772, you are so right about persistence. It looks like you are getting some real momentum, I keep reading the first 100k is the hardest. You are so close. Keep it up!
2020 2021 25 Jan $48 938 (+$26 476) 25 Feb $50 686.73 (+$ 1748) 25 Mar $52 418 (+$ 1731) 25 Sept $11 699.98 25 Oct $15 171.88 (+$3,471.9) 25 Nov $17,631.78 (+$2,459.90) 25 Dec $22,462.17 (+$4,830.39) Spoiler: show
2017 2018 2019 2020 2021 January $12.1k $24.7k $49.0k $76.2k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k May $17.7k $31.5k $50.6k June $18.5k $33.3k $53.5k July 6.2k $20.2k $35.1k $58.5k August $6.8k $20.8k $36.7k $63.0k September $8.2k $22.2k $38.6k $63.2k October $9.0k $21.7k $40.2k $62.9k November $9.9k $22.5k $42.6k $69.9k December $11.1k $22.4k $44.6k $75.0k
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
2017 2018 2019 2020 2021 January $12.1k $24.7k $49.0k $76.2k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k May $17.7k $31.5k $50.6k June $18.5k $33.3k $53.5k July 6.2k $20.2k $35.1k $58.5k August $6.8k $20.8k $36.7k $63.0k September $8.2k $22.2k $38.6k $63.2k October $9.0k $21.7k $40.2k $62.9k November $9.9k $22.5k $42.6k $69.9k December $11.1k $22.4k $44.6k $75.0k
I rearranged my table to take up less space. Who was going to tell me I had been reporting two September 2020s in a row?
More than I ever expected to have at this point. Congrats @catorbe on your similar progress. :)
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
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
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 2021 is to make it to $100K. - Aiming for JuneMar2021:$98,860.10 (+$12,259.90) Quite a few good things happening here, I got a larger bonus than I was expecting that I used to pay off debt (that was counting against net worth) and the stock market made some nice gains! With a little luck, I should make it to 100k next month! We will see how it goes, going to keep on keeping on.
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)
Nov2020:$76,790 (+$7,814)
Dec2020:$82,778 (+$5,987)
2021
Jan2021:$89,090 (+$6,321)
Feb2021:$86,608 (-$2482)
2018 2019 2020 2021
1/31: (5949.05) 1/31: 13,493.35 1/31: 44,514 1/31: 85,576
2/28: (5288.30) 2/28: 15,766.50 2/29: 48,891 2/28: 86,616
3/31: (4273.93) 3/31: 19,286 3/31: 46,104
4/30: (2592.07) 4/30: 19,283 4/30: 52,720
5/31: (629.70) 5/31: 18,676 5/31: 55,177
6/30: 1,206.77 6/30: 22,362 6/30: 59,720
7/31: 2,703.97 7/31: 24,646 7/31: 65,792
8/31: 5,651.70 8/30: 27,199 8/31: 71,970
9/31: 8,039.01 9/31: 30,664 9/30: 72,466
10/31: 7,803.49 10/31: 33,343 10/31: 72,288
11/30: 9,531.28 11/30: 35,249 11/30: 80,093
12/31: 9,296.79 12/31: 39,079 12/31: 84,002
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | - | - |
June | - | - | $19,255 | - | - |
July | - | - | $20,358 | - | - |
August | - | - | $21,993 | - | - |
September | - | - | $23,312 | - | - |
October | - | - | $24,777 | - | - |
November | - | $13,466 | $26,407 | - | - |
December | $9,518 | - | $30,697 | - | - |
Month | Invested | TNW | ||
Aug 2020 | $7,009 | $44,174 | ||
Sep 2020 | $11,792 | $44,287 | ||
Oct 2020 | $31,493 | $64,283 | ||
Nov 2020 | $41,577 | $73,480 | ||
Dec 2020 | $50,881 | $81,261 | ||
Jan 2021 | $57,339 | $89,777 | ||
Feb 2021 | $64,587 | $97,514 | ||
Mar 2021 | $72,121 | $107,895 |
Hi all,
New to the forum, but been working on FIRE for the past 2 years. I graduated from college in december 2018, and started an engineering job end of january 2019, I am 25 now. I started off with pretty much no savings (< $5K), around $10K in credit card debt and ~30K in student loans, and moved to a new town to start my job. Luckily I have a killer deal for rent ($265/mo + $80-100 in utilities, due to splitting with 1 roommate), paid cash for a $3.5K car in december 2018 that's been pretty reliable (on the MMM list :)). Bought a car because I live 5-10 miles from work, work is a chemical plant so I hope I get excused for not wanting to live right next to it lol, no properties for rent nearby anyways.
Since a year before graduating I knew FIRE was one of my top goals, prior to that I did not save as much as I could have in college. Even though I went to community college I kinda spent all the extra money on weed and going out, and then once I transferred I lived in a studio for 2 years instead of having roommates. But hey at least I found this path before getting a job.
I'm making good money ($75K starting, now at $82.5K + bonus ($5K this year)), and saving a lot of it. Employer matches 5% of salary plus $5K/yr on 401K. Really started buckling down this year, maxing 401K and roth IRA in addition to investing what's left over. I'd say I earn the money, technically on call 24/7 and can be a stressful job, but average <50 hr/week. Managed to invest a lot of cash right around the COVID dip, and also refinanced my 401K to be 100% VTI equivalent right around then... Sitting at around 12% ROI for the year, all stocks.
Date Bank Brokerage 401k roth student loans Net
12/29/2020 2389 19835 52506 16500 -20000 71230
7/4/2020 4169 9746 30107 11721 -20000 35743
12/1/2019 11013 0 16159 1054 -26500 1726
Target NW is $500K, goal is to live off <$20K/yr. Also planning on helping mom for her retirement (~$500/mo). Not sure what my savings rate is right now since I don't follow a budget, but I'm mostly optimized relative to my income. Based on my calculations I should reach that NW around age 30-31, but I guess a lot of things can change by then. Also goal isn't to necessary RE at that age - I'd honestly be happy doing something like baristaFIRE for a few years.
Comments on a few spending categories
- cell phone (on ATT plan,pay $40/month, in theory can cut to $20 with mint given my usage and looking at doing that soon - edit: phone isn't compatbile with mint, will probably wait for mine to be dead prior to switching)
- car use (can WFH 50% of the time, don't bike as often as I could since 5-10 miles each way is above comfort range + midwest winter). Somewhat clown, but I bike for errands ~2-3x/week in non-winter months.
-utilities: internet is $50/month for the cheapest fiber option, and then the $150 is just for electricity which is high (split between 2). It's a smallish apartment, not sure what we can do to improve significantly, but plan on doing more investigating this year. - edit: realized my electric bill is around $75/mo, remaining $75 is water, sewage and taxes.
- food: I eat a vegetarian diet which is cheap, don't eat out too frequently (~1-2x/month) since there aren't that many worthwhile options, and when I do it's fast food. My 'splurging' on food would consist of grocery store bought processed food and liquids but I've been getting better about cutting those off
- mindless consumption: I am prone to buying dumb things I don't need or will use. Getting better, and will hopefully continue being considerate for my wallet and the planet. This is where my biggest opportunity is I think (1-3K/yr), I'm going to start budgeting to better understand it.
-travel: I am sort of over travel even pre covid. I still have to travel 1-2x/yr to see family, and outside of that would probably do a vacation somewhere 1-2x/yr with my SO, but nothing expensive.
- student loans: are at 4.5%, I'd refinance but doesn't make sense with the interest/payment moratorium and political climate. As soon as those are lifted I'll probably pay off $10K and refi the remaining 10 (getting ~2.7% fixed rate refi offer on credible/MMM link), unless student loan forgiveness is picking up steam...
Pretty proud of this year, hope I can keep it up :)
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
2017 2018 2019 2020 2021 January $12.1k $24.7k $49.0k $76.2k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k June $18.5k $33.3k $53.5k July $6.2k $20.2k $35.1k $58.5k August $6.8k $20.8k $36.7k $63.0k September $8.2k $22.2k $38.6k $63.2k October $9.0k $21.7k $40.2k $62.9k November $9.9k $22.5k $42.6k $69.9k December $11.1k $22.4k $44.6k $75.0k
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
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
Apr2021: $106,604.06 (+$7428.22): Yahoo! I made it to 100k! It took me about 5 years to get here. Most of this is due to ridiculous gains in the stock market. I am hopeful this is my final post in this form. Its so weird that stock market gains for year to date have been far greater than my take home pay. Thanks for all the encouragement on the way, and congratulations to everyone else who will graduate this month.
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 2021 is to make it to $100K. - Aiming for June
Net worth:
2017: 2019 2020
Dec2017:$7800 Jan2019: $27,100 (+3140) Jan2020:$45,839 (+$2003)
2018 Feb2019: $29,443 (+2343) Feb2020:$43,345 (-$2494)
Apr2018:$13,200 Mar2019: $31,603 (+2160) Mar2020:$39,081 (-$4264)
Aug2018:$22,800 Apr2019: $33,959 (+2356) Apr2020:$47,551 (+$9470)
Sep2018: $23,645 May2019: $33,933 (-$26) May2020:$51,613 (+$4,061)
Oct2018: $23,658 Jun2019: $37,928 (+3995) Jun2020:$56,760 (+$5147)
Nov2018: $23,948 (+$290) Jul2019: $39,736 (+1808) Jul2020:$61,567 (+$4,807)
Dec2018: $23,960 (+12) Aug2019: $39,918 (+182) Aug2020:$68,102 (+$6,535)
Sep2019: $34,179 (-5739) Sep2020:$68,212(+$109)
Oct2019: $38,091 (+3912) Oct2020:$68,976 (+$763)
Nov2019: $39,867 (+1776) Nov2020:$76,790 (+$7,814)
Dec2019: $43836 (+$3968) Dec2020:$82,778 (+$5,987)
2021
Jan2021:$89,090 (+$6,321)
Feb2021:$86,608 (-$2482)
Mar2021:$98,860.10 (+$12,259)
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | - | - |
July | - | - | $20,358 | - | - |
August | - | - | $21,993 | - | - |
September | - | - | $23,312 | - | - |
October | - | - | $24,777 | - | - |
November | - | $13,466 | $26,407 | - | - |
December | $9,518 | - | $30,697 | - | - |
I just ran some numbers this morning and well, the conclusion is, we'll have to retire early or we're going to end up with way too much money in old age!!
Month | Invested | TNW | ||
Aug 2020 | $7,009 | $44,174 | ||
Sep 2020 | $11,792 | $44,287 | ||
Oct 2020 | $31,493 | $64,283 | ||
Nov 2020 | $41,577 | $73,480 | ||
Dec 2020 | $50,881 | $81,261 | ||
Jan 2021 | $57,339 | $89,777 | ||
Feb 2021 | $64,587 | $97,514 | ||
Mar 2021 | $72,121 | $107,895 | ||
Mar 2021 | $81,536 | $118,113 |
I just ran some numbers this morning and well, the conclusion is, we'll have to retire early or we're going to end up with way too much money in old age!! If I keep earning this wage until conventional retirement age (unlikely, I get a nice raise every year) and keep saving and investing the same amount of money as I do now (also unlikely, because once I reach my target amount in savings, I'm going to invest everything) I'll end up with a million in my post-tax account as well as a full workplace pension at 70% of my average wage, 100k in my savings account and a paid-off home. And Mr. Imma's workplace pension + savings + investments that I didn't even factor in because I don't know the exact figures. We have no kids or nieces and nephews. We could leave it to a charity but I'd rather retire early and donate my time volunteering for a charity.
I just ran some numbers this morning and well, the conclusion is, we'll have to retire early or we're going to end up with way too much money in old age!! If I keep earning this wage until conventional retirement age (unlikely, I get a nice raise every year) and keep saving and investing the same amount of money as I do now (also unlikely, because once I reach my target amount in savings, I'm going to invest everything) I'll end up with a million in my post-tax account as well as a full workplace pension at 70% of my average wage, 100k in my savings account and a paid-off home. And Mr. Imma's workplace pension + savings + investments that I didn't even factor in because I don't know the exact figures. We have no kids or nieces and nephews. We could leave it to a charity but I'd rather retire early and donate my time volunteering for a charity.
I think these realizations and decisions about what to do are what is so motivating about FIRE. Thinking about things like this helps me realize the real sense of freedom that FI brings.
I love seeing all the regulars from the 10k thread doing well now, @Tass, @LittleWanderer , probably more that I'm forgetting now.
I just ran some numbers this morning and well, the conclusion is, we'll have to retire early or we're going to end up with way too much money in old age!!
Best problem to have . . . EVER. Congrats @Imma !
April 2021 Update
3/31/2017 (52,848.85) - Found MMM
3/31/2018 $(14,916.69) - 1 year in
3/31/2019 $9,917.20 - 2 years in
3/31/2020 $22,896.16 - 3 years in
4/30/2020 $32,841.74
5/31/2020 $41,382.08
6/30/2020 $49,125.78
7/31/2020 $54,499.66
8/31/2020 $61,881.00
9/30/2020 $60,837.47
10/31/2020 $60,621.36
11/30/2020 $69,864.27
12/31/2020 $78,754.14
1/31/2021 $84,269.08
2/28/2021 $88,584.72
3/31/2021 $92,842.32
4/30/2021 $100,212.15 <--- Woohoo!!!
It's ben a couple months since my last update but I have made it over the finish line for this race.
It's been a couple months since my last update but I have made it over the finish line for this race.
It's been a couple months since my last update but I have made it over the finish line for this race.
Woohoo @haypug16!! Huge congrats! :)
2018 2019 2020 2021
1/31: (5949.05) 1/31: 13,493.35 1/31: 44,514 1/31: 85,576
2/28: (5288.30) 2/28: 15,766.50 2/29: 48,891 2/28: 86,616
3/31: (4273.93) 3/31: 19,286 3/31: 46,104 3/31: 94,009
4/30: (2592.07) 4/30: 19,283 4/30: 52,720
5/31: (629.70) 5/31: 18,676 5/31: 55,177
6/30: 1,206.77 6/30: 22,362 6/30: 59,720
7/31: 2,703.97 7/31: 24,646 7/31: 65,792
8/31: 5,651.70 8/30: 27,199 8/31: 71,970
9/31: 8,039.01 9/31: 30,664 9/30: 72,466
10/31: 7,803.49 10/31: 33,343 10/31: 72,288
11/30: 9,531.28 11/30: 35,249 11/30: 80,093
12/31: 9,296.79 12/31: 39,079 12/31: 84,002
@lifeandlimb as someone who started more than $200k in the hole, I definitely understand feeling like there's a long, long way to go (and I also understand the regrets of prior choices that have contributed to current situations! when I think about where I could be today if I hadn't taken on all that debt...). All you can do is keep doing the right thing now, and make sure that Future You is proud of what Current You is doing. The results will come!
I'm not very far ahead of you -- I'm at a NW of ~$164k now (with loads of student debt still) -- but I'm already seeing how things can start to pick up steam quickly. After I started making a concerted effort, it took me more than 2.5 years to go from $12k invested to $100k, but just a year to go from $100k invested to $200k invested. I feel like I'm just at the beginning, still (especially relative to my goals), but it's very exciting to see how exponential growth can happen. You'll see it too, because you're doing the right things now. You got this!
Jan 1, 2020- ($106,695.56)
Dec 1, 2020- $16,441.11
Jan 1, 2021- $26,005.07
Feb 1, 2021- $38,479.28
Mar 1, 2021- $50,563.25
Apr 1, 2021- $78,703.27
May 1, 2021- $97,225.14
Almost there!
May 2021: 10.132,41
Could someone help me how this work? Do you guys post your progress in this topic every month or only twice a year?
Thanks! 👏🏻Could someone help me how this work? Do you guys post your progress in this topic every month or only twice a year?
It's up to you! Many people in these "Race to whatever" threads post updates once a month (often on or near the first of the month). But you can do whatever is useful for you!
Jan 1, 2020- ($106,695.56)
Dec 1, 2020- $16,441.11
Jan 1, 2021- $26,005.07
Feb 1, 2021- $38,479.28
Mar 1, 2021- $50,563.25
Apr 1, 2021- $78,703.27
May 1, 2021- $97,225.14
Almost there!
We have done it. As for this morning, our net worth is $101,183.45. See you all in the other thread.
2017 2018 2019 2020 2021 January $12.1k $24.7k $49.0k $76.2k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k July $6.2k $20.2k $35.1k $58.5k August $6.8k $20.8k $36.7k $63.0k September $8.2k $22.2k $38.6k $63.2k October $9.0k $21.7k $40.2k $62.9k November $9.9k $22.5k $42.6k $69.9k December $11.1k $22.4k $44.6k $75.0k
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
2018 2019 2020 2021
1/31: (5949.05) 1/31: 13,493.35 1/31: 44,514 1/31: 85,576
2/28: (5288.30) 2/28: 15,766.50 2/29: 48,891 2/28: 86,616
3/31: (4273.93) 3/31: 19,286 3/31: 46,104 3/31: 94,009
4/30: (2592.07) 4/30: 19,283 4/30: 52,720 4/30: 96,128
5/31: (629.70) 5/31: 18,676 5/31: 55,177
6/30: 1,206.77 6/30: 22,362 6/30: 59,720
7/31: 2,703.97 7/31: 24,646 7/31: 65,792
8/31: 5,651.70 8/30: 27,199 8/31: 71,970
9/31: 8,039.01 9/31: 30,664 9/30: 72,466
10/31: 7,803.49 10/31: 33,343 10/31: 72,288
11/30: 9,531.28 11/30: 35,249 11/30: 80,093
12/31: 9,296.79 12/31: 39,079 12/31: 84,002
Gain: 15,245.84 29,783 44,943
May 2020 - $38,540
June 2020 - $39,514
July 2020 - $42,207
August 2020 - $44,045
September 2020 - $44,514
October 2020 - $45,564
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | - | - |
August | - | - | $21,993 | - | - |
September | - | - | $23,312 | - | - |
October | - | - | $24,777 | - | - |
November | - | $13,466 | $26,407 | - | - |
December | $9,518 | - | $30,697 | - | - |
May 2020 - $38,540
June 2020 - $39,514
July 2020 - $42,207
August 2020 - $44,045
September 2020 - $44,514
October 2020 - $45,564
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
I bumped my 401K contributions up by 1% and my company is now kicking in another percent. It's not much, but it's something!!
11/30/20 - SEP Balance $ 15524.45 + Roth $ 1770.76 - Student loan balance $ 6897.45 = $ 10,397.76
12/30/20 - SEP Balance $ 16106.09 + Roth $ 1813.94 - Student loan balance $ 6306.71 = $ 11,613.32
01/29/21 - SEP + Roth $ 20,139.02 - Student loan balance $ 5,316.32 = $ 14,822.70
02/28/21 - SEP + Roth $ 21,680.41 - Student loan balance $ 4,000.15 = $ 17,680.26
03/31/21 - SEP + Roth $ 22,823.38 - Student loan balance $ 2,994.55 = $ 19,828.83
04/27/21 - SEP + Roth $ 24,365.29 - Student loan balance $ 1,699.29 = $ 22,666.00
05/31/21 - SEP + Roth $ 25,063.59 - Student loan balance $ 0 = $ 25,063.59 - Student loan is paid off!!!
Amazing to see that 6 months ago, my net worth was just over $10K and now my loan is completely paid off and my net work is over $25K. Can't wait to see what my end of year number looks like. Now to max out the Roth for the rest of the year.
Month | Invested | TNW | ||
Aug 2020 | $7,009 | $44,174 | ||
Sep 2020 | $11,792 | $44,287 | ||
Oct 2020 | $31,493 | $64,283 | ||
Nov 2020 | $41,577 | $73,480 | ||
Dec 2020 | $50,881 | $81,261 | ||
Jan 2021 | $57,339 | $89,777 | ||
Feb 2021 | $64,587 | $97,514 | ||
Mar 2021 | $72,121 | $107,895 | ||
Apr 2021 | $81,536 | $118,113 | ||
May 2021 | $88,638 | $124,105 |
May 2020 - $38,540
June 2020 - $39,514
July 2020 - $42,207
August 2020 - $44,045
September 2020 - $44,514
October 2020 - $45,564
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
I bumped my 401K contributions up by 1% and my company is now kicking in another percent. It's not much, but it's something!!
Hi guys,
My N/W grew by £2,069.06 to a new total of £42,771.24
Markets did most of the heavy lifting. My investments were at -24% (compared to what I'd invested) 10 months ago, compared to over +30% today. That's crazy, right? :')
Still getting paid less with this current lockdown. Still saving for my wedding. Once things get back to normal and I'm married I really think my progress should skyrocket.
Hope you're all keeping well and staying safe....
Hi guys,
My N/W grew by £2,069.06 to a new total of £42,771.24
Markets did most of the heavy lifting. My investments were at -24% (compared to what I'd invested) 10 months ago, compared to over +30% today. That's crazy, right? :')
Still getting paid less with this current lockdown. Still saving for my wedding. Once things get back to normal and I'm married I really think my progress should skyrocket.
Hope you're all keeping well and staying safe....
I've been rubbish at posting since my last update in January!
I've been keeping on top of my money and my N/W today is £50,142. So I'm halfway there now.
Hi guys,
My N/W grew by £2,069.06 to a new total of £42,771.24
Markets did most of the heavy lifting. My investments were at -24% (compared to what I'd invested) 10 months ago, compared to over +30% today. That's crazy, right? :')
Still getting paid less with this current lockdown. Still saving for my wedding. Once things get back to normal and I'm married I really think my progress should skyrocket.
Hope you're all keeping well and staying safe....
I've been rubbish at posting since my last update in January!
I've been keeping on top of my money and my N/W today is £50,142. So I'm halfway there now.
I was wondering where you went!!! But congratulations on reaching 50k! I'm sure the next 50k will be easier than the first.
Hi guys,
My N/W grew by £2,069.06 to a new total of £42,771.24
Markets did most of the heavy lifting. My investments were at -24% (compared to what I'd invested) 10 months ago, compared to over +30% today. That's crazy, right? :')
Still getting paid less with this current lockdown. Still saving for my wedding. Once things get back to normal and I'm married I really think my progress should skyrocket.
Hope you're all keeping well and staying safe....
I've been rubbish at posting since my last update in January!
I've been keeping on top of my money and my N/W today is £50,142. So I'm halfway there now.
I was wondering where you went!!! But congratulations on reaching 50k! I'm sure the next 50k will be easier than the first.
The industry I work in reopened in April, so I was incredibly busy with work from mid-Feb onwards. I've been trying to maximise my spare time away from my desk!
I hope you're doing well? It was a shame about the Netherlands result yesterday - I was hoping for an Ned v Eng semi final! :')
Hi guys,
My N/W grew by £2,069.06 to a new total of £42,771.24
Markets did most of the heavy lifting. My investments were at -24% (compared to what I'd invested) 10 months ago, compared to over +30% today. That's crazy, right? :')
Still getting paid less with this current lockdown. Still saving for my wedding. Once things get back to normal and I'm married I really think my progress should skyrocket.
Hope you're all keeping well and staying safe....
I've been rubbish at posting since my last update in January!
I've been keeping on top of my money and my N/W today is £50,142. So I'm halfway there now.
I was wondering where you went!!! But congratulations on reaching 50k! I'm sure the next 50k will be easier than the first.
The industry I work in reopened in April, so I was incredibly busy with work from mid-Feb onwards. I've been trying to maximise my spare time away from my desk!
I hope you're doing well? It was a shame about the Netherlands result yesterday - I was hoping for an Ned v Eng semi final! :')
I know what you're talking about, my work has been incredibly busy lately. I also try to stay away from devices in my spare time as much as I can.
Before the tournament started the whole country was convinced it was hopeless, one good match against North Macedonia and suddenly half of the country seriously thought we were going to win. We've got some pretty decent players in our team, but it's been a while since we got anywhere in a tournament.
So I was honestly not that surprised about last night, although of course there's always a little bit of hope that we may not embarrass ourselves this year. But by the time we heard our favourite player (Donny van de Beek! Although not your team if I remember correctly ;-) ) was injured and had to drop out we were pretty much convinced they were going to fail.
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
Month | Invested | TNW | ||
Aug 2020 | $7,009 | $44,174 | ||
Sep 2020 | $11,792 | $44,287 | ||
Oct 2020 | $31,493 | $64,283 | ||
Nov 2020 | $41,577 | $73,480 | ||
Dec 2020 | $50,881 | $81,261 | ||
Jan 2021 | $57,339 | $89,777 | ||
Feb 2021 | $64,587 | $97,514 | ||
Mar 2021 | $72,121 | $107,895 | ||
Apr 2021 | $81,536 | $118,113 | ||
May 2021 | $88,638 | $124,105 | ||
Jun 2021 | $95,129 | $130,902 |
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | - | - |
September | - | - | $23,312 | - | - |
October | - | - | $24,777 | - | - |
November | - | $13,466 | $26,407 | - | - |
December | $9,518 | - | $30,697 | - | - |
2017 2018 2019 2020 2021 January $12.1k $24.7k $49.0k $76.2k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k August $6.8k $20.8k $36.7k $63.0k September $8.2k $22.2k $38.6k $63.2k October $9.0k $21.7k $40.2k $62.9k November $9.9k $22.5k $42.6k $69.9k December $11.1k $22.4k $44.6k $75.0k
Dec 2019 $7,548
Jan 2020 $7,379
Feb 2020 $7,983
Mar 2020 $11,952
Apr 2020 $20,078
May 2020 $27,255
June 2020 $29,933
July 2020 $28,764
Aug 2020 $28,618
Sept 2020 $28,864
Oct 2020 $27,434
Nov 2020 $39,641
Dec 2020 $39,169
Jan 2021 $42,748
Feb 2021 $43,215
Mar 2021 $45,100
Apr 2021 $48,171
May 2021 $49,227
June 2021 $49,484
July 2021 $49,142
NW went up and down this past month, flirting with crossing the halfway mark. At one point it was over $50/51k and then dropped back down.
I'm anticipating July to be a bigger paycheck month, so the NW should go up. I'm trying to strike a balance between enjoying my social life again as Covid restrictions ease, while still saving.
Dec 2019 $7,548
Jan 2020 $7,379
Feb 2020 $7,983
Mar 2020 $11,952
Apr 2020 $20,078
May 2020 $27,255
June 2020 $29,933
July 2020 $28,764
Aug 2020 $28,618
Sept 2020 $28,864
Oct 2020 $27,434
Nov 2020 $39,641
Dec 2020 $39,169
Jan 2021 $42,748
Feb 2021 $43,215
Mar 2021 $45,100
Apr 2021 $48,171
May 2021 $49,227
June 2021 $49,484
July 2021 $49,142
NW went up and down this past month, flirting with crossing the halfway mark. At one point it was over $50/51k and then dropped back down.
I'm anticipating July to be a bigger paycheck month, so the NW should go up. I'm trying to strike a balance between enjoying my social life again as Covid restrictions ease, while still saving.
That's nice steady progress @lifeandlimb! Keep it up! You've got this.
2020 2021 25 Jan $48 938 (+$26 476) 25 Feb $50 686.73 (+$ 1748) 25 Mar $52 418 (+$ 1731) 06 July $70,688.91 (+$ 18,270.69) 25 Sept $11 699.98 25 Oct $15 171.88 (+$3,471.9) 25 Nov $17,631.78 (+$2,459.90) 25 Dec $22,462.17 (+$4,830.39) Spoiler: show
2020 2021 25 Jan $48 938 (+$26 476) 25 Feb $50 686.73 (+$ 1748) 25 Mar $52 418 (+$ 1731) 06 July $70,688.91 (+$ 18,270.69) 25 Sept $11 699.98 25 Oct $15 171.88 (+$3,471.9) 25 Nov $17,631.78 (+$2,459.90) 25 Dec $22,462.17 (+$4,830.39) Spoiler: show
2020 2021 25 Jan $48 938 (+$26 476) 25 Feb $50 686.73 (+$ 1748) 25 Mar $52 418 (+$ 1731) 06 July $70,688.91 (+$ 18,270.69) 25 Sept $11 699.98 25 Oct $15 171.88 (+$3,471.9) 25 Nov $17,631.78 (+$2,459.90) 25 Dec $22,462.17 (+$4,830.39) Spoiler: show
Nice job @catlady
2018 2019 2020 2021
1/31: (5949.05) 1/31: 13,493.35 1/31: 44,514 1/31: 85,576
2/28: (5288.30) 2/28: 15,766.50 2/29: 48,891 2/28: 86,616
3/31: (4273.93) 3/31: 19,286 3/31: 46,104 3/31: 94,009
4/30: (2592.07) 4/30: 19,283 4/30: 52,720 4/30: 96,128
5/31: (629.70) 5/31: 18,676 5/31: 55,177 5/31: 95,056
6/30: 1,206.77 6/30: 22,362 6/30: 59,720
7/31: 2,703.97 7/31: 24,646 7/31: 65,792
8/31: 5,651.70 8/30: 27,199 8/31: 71,970
9/31: 8,039.01 9/31: 30,664 9/30: 72,466
10/31: 7,803.49 10/31: 33,343 10/31: 72,288
11/30: 9,531.28 11/30: 35,249 11/30: 80,093
12/31: 9,296.79 12/31: 39,079 12/31: 84,002
Gain: 15,245.84 29,783 44,943
Good work @DieHard_772 --you are SO CLOSE!
well done @lifeandlimb ! major milestone :)
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | - | - |
October | - | - | $24,777 | - | - |
November | - | $13,466 | $26,407 | - | - |
December | $9,518 | - | $30,697 | - | - |
2017 2018 2019 2020 2021 January $12.1k $24.7k $49.0k $76.2k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k September $8.2k $22.2k $38.6k $63.2k October $9.0k $21.7k $40.2k $62.9k November $9.9k $22.5k $42.6k $69.9k December $11.1k $22.4k $44.6k $75.0k
2018 2019 2020 2021
1/31: (5949.05) 1/31: 13,493.35 1/31: 44,514 1/31: 85,576
2/28: (5288.30) 2/28: 15,766.50 2/29: 48,891 2/28: 86,616
3/31: (4273.93) 3/31: 19,286 3/31: 46,104 3/31: 94,009
4/30: (2592.07) 4/30: 19,283 4/30: 52,720 4/30: 96,128
5/31: (629.70) 5/31: 18,676 5/31: 55,177 5/31: 95,056
6/30: 1,206.77 6/30: 22,362 6/30: 59,720 6/30: 96,201
7/31: 2,703.97 7/31: 24,646 7/31: 65,792
8/31: 5,651.70 8/30: 27,199 8/31: 71,970
9/31: 8,039.01 9/31: 30,664 9/30: 72,466
10/31: 7,803.49 10/31: 33,343 10/31: 72,288
11/30: 9,531.28 11/30: 35,249 11/30: 80,093
12/31: 9,296.79 12/31: 39,079 12/31: 84,002
Gain: 15,245.84 29,783 44,943
July 2020 - $42,207
August 2020 - $44,045
September 2020 - $44,514
October 2020 - $45,564
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2020 - $42,207
August 2020 - $44,045
September 2020 - $44,514
October 2020 - $45,564
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
I forgot to update last month, but I'm still chugging along slowly!
@Tass are you still a PhD student? How many PhD students have that kind of money? It will give you so many options even at the beginning of your career.
I'd like to join in, but how are most people calculating?
Our cash savings plus investments I'm actively working on include:
EF cash: $3,500
Vanguard Roth IRA: $7,517.95
Robinhood: $94.48
= $11,112.43
There's also about $44,000 in the retirement account from my husband's old job, but I usually ignore that since we won't have access to those funds until well after I hope we can retire.
And we have 529 accounts and savings accounts we are using for saving up towards being able to help our kids with college/other launching into adulthood expenses. Those add up to over $14,000, but we won't be using any of that for our retirement.
And we have a mortgage (our only debt) at $212,000.
So are we going by total net worth or retirement savings?
I'd like to join in, but how are most people calculating?
Our cash savings plus investments I'm actively working on include:
EF cash: $3,500
Vanguard Roth IRA: $7,517.95
Robinhood: $94.48
= $11,112.43
There's also about $44,000 in the retirement account from my husband's old job, but I usually ignore that since we won't have access to those funds until well after I hope we can retire.
And we have 529 accounts and savings accounts we are using for saving up towards being able to help our kids with college/other launching into adulthood expenses. Those add up to over $14,000, but we won't be using any of that for our retirement.
And we have a mortgage (our only debt) at $212,000.
So are we going by total net worth or retirement savings?
Had possibly my best month ever I think.
My N/W grew by £2,846.97 to a new total of £54,453.44. I've already surpassed the total increase in my N/W in 2020 which, considering it's August feels crazy (although I can blame COVID for last year).
I got married last month, which was amazing. Now that's out the way I was hoping to boost my savings. But we've been very lucky and should be expecting a baby next Spring - so I guess we have a new 'thing' to save towards. Exciting times and even though my N/W is modest compared to the majority on this forum, it's given me the platform to increase my happiness and reduce stress. I have no financial concerns whatsoever.
Congratulations @Manchester , that's great news! I think you've mentioned wanting to start a family asap after marriage, I'm so happy for both of you that it happened so quickly. And I'm glad to hear you're starting this exciting new part of your life without any kind of financial stress.
I think all of us Europeans make slower progress than the members from the other side of the Atlantic, but we have to keep in mind our societies are so different. Our wages are lower but we don't have to worry as much about catastrophic life events. I'm pretty sure you're doing fantastic compared to the median of your age category in the UK. And honestly, probably compared to your parents' age category too.
I think all of us Europeans make slower progress than the members from the other side of the AtlanticEven comparing on one side of the ocean allows for vast differences.
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | - | - |
November | - | $13,466 | $26,407 | - | - |
December | $9,518 | - | $30,697 | - | - |
Congratulations @Manchester , that's great news! I think you've mentioned wanting to start a family asap after marriage, I'm so happy for both of you that it happened so quickly. And I'm glad to hear you're starting this exciting new part of your life without any kind of financial stress.
I think all of us Europeans make slower progress than the members from the other side of the Atlantic, but we have to keep in mind our societies are so different. Our wages are lower but we don't have to worry as much about catastrophic life events. I'm pretty sure you're doing fantastic compared to the median of your age category in the UK. And honestly, probably compared to your parents' age category too.
Thanks Imma!
When our original date was pushed back a year the thing we were most upset about was the delay to starting our family. We just presumed it could take months/years of trying before it happened.
Yes, we definitely make slower progress this side of the pond! But we have better welfare/health services/state pensions than our US counterparts, so it's swings and roundabouts I guess.
I don't think half of my school friends will get to a £50k N/W at any point in their lives. They just don't have the right mentality. Going off this link https://www.bbc.co.uk/news/uk-48759591 (https://www.bbc.co.uk/news/uk-48759591) My personal net worth is similar to an 'average family aged between 31-40'. If I did mine and my wife's combined with house included it would be closer to families in their 50s!
So we're doing pretty well compared to average. Let's revisit that in a year though when I find out how expensive babies are! :D
I hope you're doing well?
August 2020 - $44,045
September 2020 - $44,514
October 2020 - $45,564
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
10/02/2020- $14835.83
11/13/2020- $16110.56
12/11/2020- $16675.72
01/08/2021- $19310.15
01/22/2021- $20533.24
02/05/2021- $21534.62
03/08/2021- $23372.12
04/02/2021- $26218.04
05/01/2021- $29057.55
06/01/2021- $30095.43
2018 2019 2020 2021
1/31: (5949.05) 1/31: 13,493.35 1/31: 44,514 1/31: 85,576
2/28: (5288.30) 2/28: 15,766.50 2/29: 48,891 2/28: 86,616
3/31: (4273.93) 3/31: 19,286 3/31: 46,104 3/31: 94,009
4/30: (2592.07) 4/30: 19,283 4/30: 52,720 4/30: 96,128
5/31: (629.70) 5/31: 18,676 5/31: 55,177 5/31: 95,056
6/30: 1,206.77 6/30: 22,362 6/30: 59,720 6/30: 96,201
7/31: 2,703.97 7/31: 24,646 7/31: 65,792 7/31: 97,017
8/31: 5,651.70 8/30: 27,199 8/31: 71,970
9/31: 8,039.01 9/31: 30,664 9/30: 72,466
10/31: 7,803.49 10/31: 33,343 10/31: 72,288
11/30: 9,531.28 11/30: 35,249 11/30: 80,093
12/31: 9,296.79 12/31: 39,079 12/31: 84,002
Gain: 15,245.84 29,783 44,943
2017 2018 2019 2020 2021 January $12.1k $24.7k $49.0k $76.2k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k October $9.0k $21.7k $40.2k $62.9k November $9.9k $22.5k $42.6k $69.9k December $11.1k $22.4k $44.6k $75.0k
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
My N/W grew by £2,846.97 to a new total of £54,453.44. I've already surpassed the total increase in my N/W in 2020 which, considering it's August feels crazy (although I can blame COVID for last year).
2017 2018 2019 2020 2021 January $12.1k $24.7k $49.0k $76.2k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k November $9.9k $22.5k $42.6k $69.9k December $11.1k $22.4k $44.6k $75.0k
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | $67,897 | - |
November | - | $13,466 | $26,407 | - | - |
December | $9,518 | - | $30,697 | - | - |
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
September 2020 - $44,514
October 2020 - $45,564
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
August 2021 - $66,248
Went on vacation and spent $$! Looks like the market downturn got some other people, too. At least two significant paychecks, late due to an error, are finally coming in this month.
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)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)
4/2/2021: $74,861 (+4,243)
5/5/2021: $80,447 (+5,586)
6/7/2021: $84,957 (+4,510)
7/6/2021: $90,092 (+5,135)
8/5/2021: $96,511 (+6,419)
9/3/2021: $98,221 (+1,710)
10/8/2021: $101,351 (+3,130)
Despite the stock market not performing well I have still made it over 100k! Right in line with my goal, see you all on the next thread soon!
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)
12/1/2020: $56,152 (+2,210)
1/8/2021: $63,512 (+7,360)
2/5/2021: $67,571 (+4,059)
3/3/2021: $70,618 (+3,047)
4/2/2021: $74,861 (+4,243)
5/5/2021: $80,447 (+5,586)
6/7/2021: $84,957 (+4,510)
7/6/2021: $90,092 (+5,135)
8/5/2021: $96,511 (+6,419)
9/3/2021: $98,221 (+1,710)
10/8/2021: $101,351 (+3,130)
Despite the stock market not performing well I have still made it over 100k! Right in line with my goal, see you all on the next thread soon!
Woohoo!! Congratulations and well done @mgardner88 !
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (-132,80 )
Savings were roughly 850 , the downturn happened due to stockmarket.
My basement was broken into and my two bikes were stolen. On top of that they (him/her?) also stole my biking shoes, lights, helmet and even the tire pump. My girlfriends bike, my skis and some other non-valuable stuff was left, so I guess it was just one person and he/her couldn't carry more than two bikes.
In true mustachian fashion I self insured, because I don't have many valuable possession. So sadly on that front I got unlucky and household insurance would have been the better option. Hindsight is 20/20 though. I got a pretty basic Fixie bike as a replacement to get around, but will eventually need to replace my gravel bike. This especially hurts as I got my old one on ebay for fairly cheap and prices on ebay have nearly doubled here recently. It is near impossible to buy new bikes, because all vendors are out of stock due to supply chain issues and way more people showing interest in biking due to the corona crisis. So I either swallow the pill and get an equal replacement for way more than I originally paid on ebay, get a cheaper but worse replacement on ebay, or just wait until prices come down again but don't get to ride in the meantime.
Hi Everyone, recently passed 10k so wanted to check in here.
Emergency fund - 3k
Pension - 3469
ETF - 5290 (tax on gains not deducted)
Poker Roll - 140
Goal for 2021 is to reach 20k. GL everyone.
Hi Everyone, recently passed 10k so wanted to check in here.
Emergency fund - 3k
Pension - 3469
ETF - 5290 (tax on gains not deducted)
Poker Roll - 140
Goal for 2021 is to reach 20k. GL everyone.
Hit my goal for 2021 ahead of schedule. Im starting to find more spendy desires popping up. Has anyone else found that after the initial honeymoon period.
Pension - 8350
Taxable - 13300
Emergency fund - 520
Hi Everyone, recently passed 10k so wanted to check in here.
Emergency fund - 3k
Pension - 3469
ETF - 5290 (tax on gains not deducted)
Poker Roll - 140
Goal for 2021 is to reach 20k. GL everyone.
Hit my goal for 2021 ahead of schedule. Im starting to find more spendy desires popping up. Has anyone else found that after the initial honeymoon period.
Pension - 8350
Taxable - 13300
Emergency fund - 520
Being honest, not really. I do struggle with buying takeaway though because I'm a greedy so and so. Stick at it, it will become a habit and do you know the goal you want to get to? Are you clear on it?
My N/W grew by £2,846.97 to a new total of £54,453.44.
My N/W grew by £1,721.56 to a new total of £56,175.
Hit my goal for 2021 ahead of schedule. Im starting to find more spendy desires popping up. Has anyone else found that after the initial honeymoon period.
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | $67,897 | - |
November | - | $13,466 | $26,407 | $72,781 | - |
December | $9,518 | - | $30,697 | - | - |
2017 2018 2019 2020 2021 January $12.1k $24.7k $49.0k $76.2k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k December $11.1k $22.4k $44.6k $75.0k
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
I haven't updated in a while but
Student loan - ($23,760.22)
Savings - $7300
HSA - $2955.58
Checking - $560.68
401K - $52,816.33
Roth IRA - $1,514.2
Total - 40,699.37
Goals this year: To tackle my student loans while they are at 0%. Hoping to get them to $10,000.
October 2020 - $45,564
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
August 2021 - $66,248
September 2021 - $64,221
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (-132,80 )
Just come to have a little vent. I'm very much in the looong middle ground of this race at 65k invested and I'm starting to get really itchy feet.
I dont even want to spend the money, I'm just grumpy about how long it is taking. It feels like the push forward to the next major milestone of 75k is a long way away.
Ok, rant over. Thanks everyone.
Just come to have a little vent. I'm very much in the looong middle ground of this race at 65k invested and I'm starting to get really itchy feet.
I dont even want to spend the money, I'm just grumpy about how long it is taking. It feels like the push forward to the next major milestone of 75k is a long way away.
Ok, rant over. Thanks everyone.
@Stubblestache -- I remember your post from the beginning of the year about the long middle ground, and the itchy feet^. You made it buddy! Well done. I understand the awe you're feeling. I grew up poor too and having lots of zeroes in your account balance can take some getting used to.
You're going to need to stay strong for the next stretch from $100k to $250k. For me that was the hardest one mentally; it was a big challenge to not focus on the investments all the time, and to just put them on autopilot and live life. You can do it!
2020 | 2021 | ||
25 Jan | $48 938 (+$26 476) | ||
25 Feb | $50 686.73 (+$ 1748) | ||
25 Mar | $52 418 (+$ 1731) | ||
06 July | $70,688.91 (+$ 18,270.69) | ||
25 Sept | $11 699.98 | ||
25 Oct | $15 171.88 (+$3,471.9) | ||
25 Nov | $17,631.78 (+$2,459.90) | $93,357.00 (+$22,698) | |
25 Dec | $22,462.17 (+$4,830.39) |
My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
EF cash: $3,500
Vanguard Roth IRA: $7,517.95
Robinhood: $94.48
= $11,112.43
Congrats to @shinn497, @MommyCake, and @TerrierTown! Well done. Go go go!
November 2020 - $50,152
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
August 2021 - $66,248
September 2021 - $64,221
October 2021 - $67,968
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
I haven't updated in a while but
Student loan - ($23,760.22)
Savings - $7300
HSA - $2955.58
Checking - $560.68
401K - $52,816.33
Roth IRA - $1,514.2
Total - 40,699.37
Goals this year: To tackle my student loans while they are at 0%. Hoping to get them to $10,000.
Havent posted in a while but Current net worth: $64,069. Felt I stopped caring about spending this year. Spent a lot of money on a cosmetic procedure, and also moved to a HCOL state. My net worth should be $20,000 higher but no regrets here.
color=blue]Savings - $8,000
HSA - $2268
Checking - $500
401K - $71,112
Roth IRA - $1,864[/color]
DEBT: 21,991.
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | - |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | $67,897 | - |
November | - | $13,466 | $26,407 | $72,781 | - |
December | $9,518 | - | $30,697 | $73,730 | - |
2017 2018 2019 2020 2021 January $12.1k $24.7k $49.0k $76.2k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k
My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
I have temporarily crossed the finish line... But I have $240 to donate in order to meet my charity goals for the year. Alas!
I have temporarily crossed the finish line... But I have $240 to donate in order to meet my charity goals for the year. Alas!
December 2020 - $52,356
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
August 2021 - $66,248
September 2021 - $64,221
October 2021 - $67,968
November 2021- $67,412
I have temporarily crossed the finish line... But I have $240 to donate in order to meet my charity goals for the year. Alas!
2017 2018 2019 2020 2021 January $12.1k $24.7k $49.0k $76.2k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | $77,625 |
February | - | - | $14,991 | $36,257 | - |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | $67,897 | - |
November | - | $13,466 | $26,407 | $72,781 | - |
December | $9,518 | - | $30,697 | $73,730 | - |
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
Just graduated from Race to 10K thread. Looking forward to continuing my journey here now. I am just tracking my round up account and taxable investment account to see what I can do with "extra" money. I don't expect to grow quickly but grow never the less. (My wife and I have pension plans through our employers, I also have a 403b, she has a 457 also through our employers, and each have a Roth as well, so no real worries for retirement at this time) This is just another income stream for retirement!
As of today:
01/26/22 Round Up 642.33 Investment 9911.44 Total 10553.77
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
I haven't updated in a while but
Student loan - ($23,760.22)
Savings - $7300
HSA - $2955.58
Checking - $560.68
401K - $52,816.33
Roth IRA - $1,514.2
Total - 40,699.37
Goals this year: To tackle my student loans while they are at 0%. Hoping to get them to $10,000.
Havent posted in a while but Current net worth: $64,069. Felt I stopped caring about spending this year. Spent a lot of money on a cosmetic procedure, and also moved to a HCOL state. My net worth should be $20,000 higher but no regrets here.
color=blue]Savings - $8,000
HSA - $2268
Checking - $500
401K - $71,112
Roth IRA - $1,864[/color]
DEBT: 21,991.
January 2021 - $53,423
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
August 2021 - $66,248
September 2021 - $64,221
October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
Hey all!
I find motivating to see how great is in general people doing, I think I'll start reporting as well. I started tracking my NW Jul'20. I bought a property on Jan'20, when fires in Australia were the worst thing that had happened in a very long time.
Anyway, here go the numbers: the column in the right does not consider my house - as asset, mortgage also excluded -, the left does include both. I do have accounts in several currencies but everything is consolidated in EUR:
NW Liquid NW
Jul-20 47,328 19,245
Aug-20 49,579 21,248
Sep-20 52,077 23,491
Oct-20 55,935 27,097
Nov-20 58,368 29,322
Dec-20 60,712 31,332
Jan-21 63,592 33,828
Goal for 2021: take the right column to 50k!
@Imma
Our gas prices have doubled. Our food shop has increased in price by around 10-15% too.
It all adds up. I'm grateful that I've built up my N/W to a comfortable point. If this had happened 5 years ago I'd have really struggled.
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | $77,625 |
February | - | - | $14,991 | $36,257 | $83,384 |
March | - | - | $14,632 | $38,256 | - |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | $67,897 | - |
November | - | $13,466 | $26,407 | $72,781 | - |
December | $9,518 | - | $30,697 | $73,730 | - |
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
I guess I really missed you guys. ;)
Unofficially I was racing you to 100,000. I hit about $96,700 just before things started plummeting down. I hit a "low" of about $82,000 as the majority of my net worth is invested in stocks, and I'm climbing back up and out of that hole. I'm still in the upper 80s, but I hope to climb past 100,000 in the next couple of months if there's any sort of bounce back to the last month. Otherwise just plug away!
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | $77,625 |
February | - | - | $14,991 | $36,257 | $83,384 |
March | - | - | $14,632 | $38,256 | $85,694 |
April | - | $10,960 | $13,884 | $47,021 | - |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | $67,897 | - |
November | - | $13,466 | $26,407 | $72,781 | - |
December | $9,518 | - | $30,697 | $73,730 | - |
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
February 2021 - $54,304
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
August 2021 - $66,248
September 2021 - $64,221
October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
Hi everyone,
This will be my first post ever on the MMM forum! I have been stalking this page for a while and am finally mustering up the courage to post here myself.
Short introduction: 36 y/o woman from Sweden. Current after tax income per month is $3250, aiming to save $1000 per month. I need approx. $600-650.000 to FIRE which according to calculations will take me 17 years...! Hoping to be able to FIRE earlier than that though!
Financial goals for 2022 is to invest $6000 and save $4000 for my wedding next year.
Current investments & savings (not including retirement):
March 2022: $12.254
Hey everyone! So excited to make it to this thread finally. Here are my numbers as of this morning.
3/4/2022: $12,100 cash + $1,034 investments - $0 debt = $13,134 NW
For context, I'm 27, single, and about to graduate college. Super inspired by y'all.
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
My N/W grew by £2,046.07 to a new total of £65,949.12.My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
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
I haven't updated in a while but
Student loan - ($23,760.22)
Savings - $7300
HSA - $2955.58
Checking - $560.68
401K - $52,816.33
Roth IRA - $1,514.2
Total - 40,699.37
Goals this year: To tackle my student loans while they are at 0%. Hoping to get them to $10,000.
Havent posted in a while but Current net worth: $64,069. Felt I stopped caring about spending this year. Spent a lot of money on a cosmetic procedure, and also moved to a HCOL state. My net worth should be $20,000 higher but no regrets here.
color=blue]Savings - $8,000
HSA - $2268
Checking - $500
401K - $71,112
Roth IRA - $1,864[/color]
DEBT: 21,991.
I've had a very spendy January due to going on vacation and people visiting. Also got glasses and contacts
Networth: 65,500.43 (Went down by $4000 due to market and a spendy January.)
Savings - $2,025
HSA - $4637
Checking - $300
401K - $73,204
Roth IRA - $2,014
ASSETS: 82,181
Affirm loan from couch purchase - 1797.57
Credit card - 883
Student Loan - $14,000
DEBT: 16,6805.57
Goals - Still the same, hope to be debt free this year. Depending on market, may or may not graduate thread this year.
Big congrats on paying off the student loans! That probably feels amazingI 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
I haven't updated in a while but
Student loan - ($23,760.22)
Savings - $7300
HSA - $2955.58
Checking - $560.68
401K - $52,816.33
Roth IRA - $1,514.2
Total - 40,699.37
Goals this year: To tackle my student loans while they are at 0%. Hoping to get them to $10,000.
Havent posted in a while but Current net worth: $64,069. Felt I stopped caring about spending this year. Spent a lot of money on a cosmetic procedure, and also moved to a HCOL state. My net worth should be $20,000 higher but no regrets here.
color=blue]Savings - $8,000
HSA - $2268
Checking - $500
401K - $71,112
Roth IRA - $1,864[/color]
DEBT: 21,991.
I've had a very spendy January due to going on vacation and people visiting. Also got glasses and contacts
Networth: 65,500.43 (Went down by $4000 due to market and a spendy January.)
Savings - $2,025
HSA - $4637
Checking - $300
401K - $73,204
Roth IRA - $2,014
ASSETS: 82,181
Affirm loan from couch purchase - 1797.57
Credit card - 883
Student Loan - $14,000
DEBT: 16,6805.57
Goals - Still the same, hope to be debt free this year. Depending on market, may or may not graduate thread this year.
Savings - $28.85
HSA - $5981.34
Checking - $436.92
401K - $82,793.95
Roth IRA - $2,014
ASSETS: 91,255.46
Affirm loan from couch purchase - 1,029.64
Credit card - 2,385.41
Student Loan - $0 (Officially paid off this month)
DEBT: 3,415.05
Networth: 87,840.41
Not the most active member of this forum, but I wanted to report how 2021 went. We had a frugal wedding and an even more frugal honeymoon. Other than that, the inflation and the exchange rate is starting to kill us in my non-Euro Eastern Europe country. Hard to know what do do, we will be postponing some big ticket items for a year or so, and maybe try to buy more EUR to protect ourselves from our local inflation.
NW Liquid NW
Jan-21 63,592 33,828
Jan-22 95,159 62,238
That was a nice progress. Hopefully I'll graduate from this thread in March, when I get my bonus, if any.
Keep it up, people!
March 2021 - $58,321
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
August 2021 - $66,248
September 2021 - $64,221
October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | $77,625 |
February | - | - | $14,991 | $36,257 | $83,384 |
March | - | - | $14,632 | $38,256 | $85,694 |
April | - | $10,960 | $13,884 | $47,021 | $93,539 |
May | - | - | $17,011 | $52,533 | - |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | $67,897 | - |
November | - | $13,466 | $26,407 | $72,781 | - |
December | $9,518 | - | $30,697 | $73,730 | - |
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
So this would be my graduation from this thread. Today I reached the goal of 100k.
Congratulations @Lomonossov! Well done!
Not sure where you are in eastern Europe, but hope all is well with you and your family.
EF cash: $3,500
Vanguard Roth IRA: $7,517.95
Robinhood: $94.48
= $11,112.43
EF cash: $3,500
Vanguard Roth IRA: $9,310.32
Vanguard tIRA: $1,983.07
Robinhood: $209
= $15,002.39
Dec 2017- ~7000
Dec 2018- ~8000
Dec 2019- ~12000
Dec 2020- ~18000
Jun 2021- 19883.72
Jul 2021- 21574.92
Aug 2021-25731.53
Sep 2021- 32633.08
Oct 2021- 42008.1
Nov 2021- 53009.99
Dec 2021- 59100.38
Jan 2022- 71195.56
Feb 2022- 78553.92
Mar 2022- 86920.79
April 2022- 101316.33!
Hit 100k exactly 1 year after graduating college. Worked my ass off to get as much OT as possible. No less than 100 hours per paycheck since September 2021! Moving onto the 250k race! Good luck fellas!
My N/W grew by £2,489.81 to a new total of £68,438.93.My N/W grew by £2,046.07 to a new total of £65,949.12.My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
Ouch
Tracking investing in SPN (which doesn't include roth)
12/28/2020 - $62,783
1/28/2021 - $67,335
2/28/2021 - $69,404
3/28/2021 - $71,869
4/28/2021 - $77,861
5/31/2021 - $79,885
6/30/2021 - $82,843
7/28/2021 - $85,130
8/29/2021 - $87,558
9/30/2021 - $87,127
10/28/2021 - $92,699
11/28/2021 - $95,021
12/28/2021 - $96,703
2/2/2022 - $93,977
2/28/2022 - $91,712
3/28/2022 - $96,748
4/28/2022 - $90,642
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | $77,625 |
February | - | - | $14,991 | $36,257 | $83,384 |
March | - | - | $14,632 | $38,256 | $85,694 |
April | - | $10,960 | $13,884 | $47,021 | $93,539 |
May | - | - | $17,011 | $52,533 | $86,952 |
June | - | - | $19,255 | $54,094 | - |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | $67,897 | - |
November | - | $13,466 | $26,407 | $72,781 | - |
December | $9,518 | - | $30,697 | $73,730 | - |
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
April 2021 - $61,745
May 2021 - $62,978
June 2021 - $62,595
July 2021 - $64,082
August 2021 - $66,248
September 2021 - $64,221
October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
May updateMy N/W grew by £2,948.26 to a new total of £71,387.19.My N/W grew by £2,489.81 to a new total of £68,438.93.My N/W grew by £2,046.07 to a new total of £65,949.12.My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | $77,625 |
February | - | - | $14,991 | $36,257 | $83,384 |
March | - | - | $14,632 | $38,256 | $85,694 |
April | - | $10,960 | $13,884 | $47,021 | $93,539 |
May | - | - | $17,011 | $52,533 | $86,952 |
June | - | - | $19,255 | $54,094 | $89,131 |
July | - | - | $20,358 | $55,927 | - |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | $67,897 | - |
November | - | $13,466 | $26,407 | $72,781 | - |
December | $9,518 | - | $30,697 | $73,730 | - |
2020 2021 2022 25 Jan $48 938 (+$26 476) 25 Feb $50 686.73 (+$ 1748) 25 Mar $52 418 (+$ 1731) $114,152.00 06 July $70,688.91 (+$ 18,270.69) 25 Sept $11 699.98 25 Oct $15 171.88 (+$3,471.9) 25 Nov $17,631.78 (+$2,459.90) $93,357.00 (+$22,698) 25 Dec $22,462.17 (+$4,830.39)
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (-2.997,80 )
Dec 2019 $7,548
Jan 2020 $7,379
Feb 2020 $7,983
Mar 2020 $11,952
Apr 2020 $20,078
May 2020 $27,255
June 2020 $29,933
July 2020 $28,764
Aug 2020 $28,618
Sept 2020 $28,864
Oct 2020 $27,434
Nov 2020 $39,641
Dec 2020 $39,169
Jan 2021 $42,748
Feb 2021 $43,215
Mar 2021 $45,100
Apr 2021 $48,171
May 2021 $49,227
June 2021 $49,484
July 2021 $49,142
Aug 2021 $54,479
Sep 2021 $54,644
Oct 2021 $49,328
Went on vacation and spent $$! Looks like the market downturn got some other people, too. At least two significant paychecks, late due to an error, are finally coming in this month.
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k $89.7k June $18.5k $33.3k $53.5k $90.3k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
June UpdateMy N/W decreased by £1,267.07 to a new total of £70,120.12.My N/W grew by £2,948.26 to a new total of £71,387.19.My N/W grew by £2,489.81 to a new total of £68,438.93.My N/W grew by £2,046.07 to a new total of £65,949.12.My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
June 2021 - $62,595
July 2021 - $64,082
August 2021 - $66,248
September 2021 - $64,221
October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | $77,625 |
February | - | - | $14,991 | $36,257 | $83,384 |
March | - | - | $14,632 | $38,256 | $85,694 |
April | - | $10,960 | $13,884 | $47,021 | $93,539 |
May | - | - | $17,011 | $52,533 | $86,952 |
June | - | - | $19,255 | $54,094 | $89,131 |
July | - | - | $20,358 | $55,927 | $83,281 |
August | - | - | $21,993 | $58,821 | - |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | $67,897 | - |
November | - | $13,466 | $26,407 | $72,781 | - |
December | $9,518 | - | $30,697 | $73,730 | - |
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k $89.7k June $18.5k $33.3k $53.5k $90.3k $84.4k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k $89.7k June $18.5k $33.3k $53.5k $90.3k $84.4k July $6.2k $20.2k $35.1k $58.5k $92.0k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
Eventually I'll get back to 100k. Until then, cheap stocks!
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
Hey everyone! So excited to make it to this thread finally. Here are my numbers as of this morning.
3/4/2022: $12,100 cash + $1,034 investments - $0 debt = $13,134 NW
My N/W grew by £73.15 to a new total of £70,193.27.My N/W decreased by £1,267.07 to a new total of £70,120.12.My N/W grew by £2,948.26 to a new total of £71,387.19.My N/W grew by £2,489.81 to a new total of £68,438.93.My N/W grew by £2,046.07 to a new total of £65,949.12.My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
July 2021 - $64,082
August 2021 - $66,248
September 2021 - $64,221
October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
2018 | 2019 | 2020 | 2021 | 2022 | |
January | $6,455 | - | $14,460 | $34,473 | $77,625 |
February | - | - | $14,991 | $36,257 | $83,384 |
March | - | - | $14,632 | $38,256 | $85,694 |
April | - | $10,960 | $13,884 | $47,021 | $93,539 |
May | - | - | $17,011 | $52,533 | $86,952 |
June | - | - | $19,255 | $54,094 | $89,131 |
July | - | - | $20,358 | $55,927 | $83,281 |
August | - | - | $21,993 | $58,821 | $101,031 |
September | - | - | $23,312 | $67,274 | - |
October | - | - | $24,777 | $67,897 | - |
November | - | $13,466 | $26,407 | $72,781 | - |
December | $9,518 | - | $30,697 | $73,730 | - |
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
JAN 2022: 40,699.37
MAR 2022: 87,840.41
JUN 2022: 86,153.42
Switched to an easier way of tracking. Goal is to get to 100K, get my emergency fund to 20K, and just cruise.
I bizarrely have spent less since becoming debt free. I've been cooking at home, and only eating out once a week. This has been a good balance for me. I still though both make coffee at home and buy it largely from studying at Starbucks. I'll try and get a hario for work.
My N/W grew by £73.15 to a new total of £70,193.27.My N/W decreased by £1,267.07 to a new total of £70,120.12.My N/W grew by £2,948.26 to a new total of £71,387.19.My N/W grew by £2,489.81 to a new total of £68,438.93.My N/W grew by £2,046.07 to a new total of £65,949.12.My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
July Update:
My N/W grew by £2,885.54 to a new total of £73,078.81.
It would have been a more significant increase if I hadn't paid for a posh holiday abroad - but life is for living!
Speaking of which, I have quite an unmustacian itch in the back of my mind tempting me to move to a bigger, posher house in a nicer area. I can definitely afford a higher mortgage, and I'm getting sick of my current house (the location primarily - not the house itself). However, upgrading to a new house would reduce my cash flow and tie up more money in a non-liquid asset.
Can't really decide what the best plan is, but considering I spend 95% of my life at home, I feel like it wouldn't really be 'wasted' money.
Anyway, that's my post for the month. Hope everyone is doing well.
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k $89.7k June $18.5k $33.3k $53.5k $90.3k $84.4k July $6.2k $20.2k $35.1k $58.5k $92.0k $92.4k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k $89.7k June $18.5k $33.3k $53.5k $90.3k $84.4k July $6.2k $20.2k $35.1k $58.5k $92.0k $92.4k August $6.8k $20.8k $36.7k $63.0k $94.4k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
I'm almost done with graduate school and now fielding job offers - it seems likely I'll finish before re-achieving $100k. Can I still say I saved $100k in grad school?
@Manchester so far I'm not worried about the economic changes at all. Or maybe a better way to put it, I'm concerned about all sorts of geopolitical and economic developments, but I'm not worried about my own financial situation. When I log in to my brokerage account, I don't have feelings about the number on the screen. It's also not really that bad, I'm at -9% in 2022 but 2021 ended at +17%. I guess my investments feel more like Monopoly money to me than actual money. In my head, only my regular savings account feels "real". I have about 10k in that account and that's more than anyone I know irl.
I have a very steady job, the type of job that only gets more steady in times of economic uncertainty. I have more luxury in my life than I had 5 years ago when I made 1200 a month, but still a lot less than people with a similar income. And we still have the skills to go back to hardcore frugal living if we had to.
With regards to your housing situation, I think it's worth the time to figure out why exactly you want to move and whether this is the right timing. Is it a "status" thing, living in a nicer house? Or more a safety issue? How would it change your life? Would there be any downsides, like more use of a car and less walking?
We live in a terraced house on a council estate with a bad reputation. But it's actually quite a nice place to live, so we make do with the small-ish house. It's very green with mature trees, a nice highstreet with independent shops within walking distance, and most importantly, extremely safe. I can't guarantee all my neighbours pay their taxes, but it's safe for kids to play outside, people keep an eye out for our house when we're not here, drug dealers and wife beaters are chased away. If you're in a more rough neighbourhood, I can imagine moving to a nicer area would be a good decision for a young family, especially if decent schools and shops are within walking distance so you don't have to drive as much.
In the current economic climate I wouldn't feel secure moving "just" for status reasons, though, but that's up to you of course. One thing I've heard from friends with kids who have moved to"nicer" areas is they underestimated the impact on their kids. All the other parents drive expensive cars, go to Ibiza in summer, the kids wear expensive brands. If you're trying to live a mustachian life, you're going to stand out a lot. For you that's a choice but for kids it might be easier to have friends with a similar lifestyle. And my friends aren't even extremely frugal, I'm talking about people who drive a Civic or a Prius instead of a BMW and still going on foreign vacations, just not as interested in consumerism.
My N/W grew by £73.15 to a new total of £70,193.27.My N/W decreased by £1,267.07 to a new total of £70,120.12.My N/W grew by £2,948.26 to a new total of £71,387.19.My N/W grew by £2,489.81 to a new total of £68,438.93.My N/W grew by £2,046.07 to a new total of £65,949.12.My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
July Update:
My N/W grew by £2,885.54 to a new total of £73,078.81.
It would have been a more significant increase if I hadn't paid for a posh holiday abroad - but life is for living!
Speaking of which, I have quite an unmustacian itch in the back of my mind tempting me to move to a bigger, posher house in a nicer area. I can definitely afford a higher mortgage, and I'm getting sick of my current house (the location primarily - not the house itself). However, upgrading to a new house would reduce my cash flow and tie up more money in a non-liquid asset.
Can't really decide what the best plan is, but considering I spend 95% of my life at home, I feel like it wouldn't really be 'wasted' money.
Anyway, that's my post for the month. Hope everyone is doing well.
Do you own or rent your current place? If you moved, would you be able to rent the current place out for enough to cover the mortgage on it?
My N/W grew by £2,885.54 to a new total of £73,078.81.My N/W grew by £73.15 to a new total of £70,193.27.My N/W decreased by £1,267.07 to a new total of £70,120.12.My N/W grew by £2,948.26 to a new total of £71,387.19.My N/W grew by £2,489.81 to a new total of £68,438.93.My N/W grew by £2,046.07 to a new total of £65,949.12.My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
OK..... officially admit it...... lost my spreadsheet which tracked my progress due to an error on my side...... now trying to recover it, so I might miss some data somewhere......
Otherwise I need to rebuild it...... which I DO NOT like....
OK..... officially admit it...... lost my spreadsheet which tracked my progress due to an error on my side...... now trying to recover it, so I might miss some data somewhere......
Otherwise I need to rebuild it...... which I DO NOT like....
Nightmare!
Hopefully, you'll recover it. If not, see it as an opportunity to make the spreadsheet better than it was.
OK..... officially admit it...... lost my spreadsheet which tracked my progress due to an error on my side...... now trying to recover it, so I might miss some data somewhere......
Otherwise I need to rebuild it...... which I DO NOT like....
Nightmare!
Hopefully, you'll recover it. If not, see it as an opportunity to make the spreadsheet better than it was.
Sorry to hear that. At least you have a lot of the data stored in this thread.
No chance at recovery. I'm now in the process of rethinking my definitions and rebuilding a sheet. Sometimes it is good to start with a fresh clean sheet!
@Manchester wow, that's a big increase!
I think wanting to move away from a dangerous road with a young family is a pretty sensible thing to do. I don't know what house prices are doing in Manchester, but here, even in a very overheated market full of expats with , there's a noticeable stagnation. Properties still sell but there are less bidding wars, and it takes much longer to sell a house. Especially the slightly more expensive homes are taking much longer to sell. 6 months ago most properties were on the market for less than two weeks, now a few nice houses in my neighbourhood have been for sale for the entire summer. One of them was flipped recently, and it looks like they're probably not going to make a profit on it. Asking price is only 50k more than what they bought it for and they put in new flooring, new kitchen and bathroom. Turns out that with the current energy prices a 1920s property with single glazed windows doesn't sell no matter how trendy it looks on the inside.
But for someone like you, with a lot of equity in your current home, selling a more modest home and interested in a more expensive home, this could be a good time to buy. Especially if you set aside some money to make your house more energy efficient rightaway (or look for a house that's already had that work done). We're renovating next winter, it was all arranged before energy prices skyrocketed, but we believe energy is not going to get cheaper and we don't think we're ever going to regret becoming at least 75% self sufficient for energy.
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k $89.7k June $18.5k $33.3k $53.5k $90.3k $84.4k July $6.2k $20.2k $35.1k $58.5k $92.0k $92.4k August $6.8k $20.8k $36.7k $63.0k $94.4k $89.6k September $8.2k $22.2k $38.6k $63.2k $93.1k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
August 2021 - $66,248
September 2021 - $64,221
October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
Really kind of sad to look at how much I've bounced around in the same spot for the past year, but I guess that's just how these things go! I've been contributing the same amount in the market, but I really need to buckle down and save more cash too.
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k $89.7k June $18.5k $33.3k $53.5k $90.3k $84.4k July $6.2k $20.2k $35.1k $58.5k $92.0k $92.4k August $6.8k $20.8k $36.7k $63.0k $94.4k $89.6k September $8.2k $22.2k $38.6k $63.2k $93.1k $81.4k October $9.0k $21.7k $40.2k $62.9k $97.1k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
September 2021 - $64,221
October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
My N/W grew by £5,780.77 to a new total of £78,859.58.My N/W grew by £2,885.54 to a new total of £73,078.81.My N/W grew by £73.15 to a new total of £70,193.27.My N/W decreased by £1,267.07 to a new total of £70,120.12.My N/W grew by £2,948.26 to a new total of £71,387.19.My N/W grew by £2,489.81 to a new total of £68,438.93.My N/W grew by £2,046.07 to a new total of £65,949.12.My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
Yes, I think we've now entered a period of difficulty that will last a while with several factors that aren't helping to get us out of this position. Inflation was 17,1% here in September.
We are extremely lucky to have refinanced our mortgage @ 1,8% for a 20-year fixed term a couple of months ago. We'll partly pay for the renovation of our house with that new mortgage and we're hoping to become almost completely self-sufficient for energy. Our student loans (we don't have a lot left, a couple of months of income) are also fixed at 0% for the next couple of years. When our fixed rate expires, we hope to be able to pay off the remaining balance all at once. For now we'll just let inflation eat away at our debts.
I suppose with the current developments in the UK, buying another house / getting a new mortgage isn't a realistic thing for you, at least not in the short term. We were joking that maybe in a bit we could finally afford our dream holiday cottage in the Yorkshare Dales but obviously, the past couple of weeks must have been extremely tense for everyone in your country. I hope the economy will settle down a bit now with the latest developments. I imagine the political uncertainty will be far from over. The political uncertainty is just about starting here, with our government still very reluctant to act while our inflation is extremely high. I live in a working class neighbourhood with lots of badly maintained council homes and neighbours with modest incomes. I'm not sure if our government is noticing how much lower the quality of living of those people already is compared to a few years ago. Our government ministers live in nice affluent neighbourhoods, I don't think they really understand how bad things are getting for the lower classes. I've never experienced any societal tensions like this and I worked in social services during the last recession. During the last recession, only those who lost their jobs got into trouble. As long as they kept their jobs, people didn't really see the recession happening in their bank account, but everyone feels inflation in their bank account.
My N/W shrank by £3,114.76 to a new total of £75,744.82.My N/W grew by £5,780.77 to a new total of £78,859.58.My N/W grew by £2,885.54 to a new total of £73,078.81.My N/W grew by £73.15 to a new total of £70,193.27.My N/W decreased by £1,267.07 to a new total of £70,120.12.My N/W grew by £2,948.26 to a new total of £71,387.19.My N/W grew by £2,489.81 to a new total of £68,438.93.My N/W grew by £2,046.07 to a new total of £65,949.12.My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k $89.7k June $18.5k $33.3k $53.5k $90.3k $84.4k July $6.2k $20.2k $35.1k $58.5k $92.0k $92.4k August $6.8k $20.8k $36.7k $63.0k $94.4k $89.6k September $8.2k $22.2k $38.6k $63.2k $93.1k $81.4k October $9.0k $21.7k $40.2k $62.9k $97.1k $86.3k November $9.9k $22.5k $42.6k $69.9k $95.1k December $11.1k $22.4k $44.6k $75.0k $100.3k
Well, last time I posted the stock market was in good shape :-D
Nevertheless, NW increased to 80k since June, that is +10k in 5 months.
The next few months will be choppy, since we are buying a piece of land and will have costs associated with that (taxes, paperwork...)
Once the house is build, the ride will smooth out again.
Hey everyone! So excited to make it to this thread finally. Here are my numbers as of this morning.
3/4/2022: $12,100 cash + $1,034 investments - $0 debt = $13,134 NW
7/12/2022: $14,300 cash + $2,450 investments - $0 debt = $16,750 NW
Finally graduated college at the ripe old age of 27 and landed a good job, so I'm looking forward to watching my stache grow at a faster rate!
I had hoped to be closer to $20K in net worth this time of year, but I spent a dumb amount of money furnishing my new apartment with brand new stuff.
I was walking through Goodwill yesterday and realized I would've been just as happy with the used furniture, dishes and appliances they were selling. I still have a lot to learn but I've been learning a lot by devouring every episode of the Mad Fientist podcast. Really interested in maxing my 401k and IRA somehow.
My N/W shrank by £1,722.84 to a new total of £74,021.98.My N/W shrank by £3,114.76 to a new total of £75,744.82.My N/W grew by £5,780.77 to a new total of £78,859.58.My N/W grew by £2,885.54 to a new total of £73,078.81.My N/W grew by £73.15 to a new total of £70,193.27.My N/W decreased by £1,267.07 to a new total of £70,120.12.My N/W grew by £2,948.26 to a new total of £71,387.19.My N/W grew by £2,489.81 to a new total of £68,438.93.My N/W grew by £2,046.07 to a new total of £65,949.12.My N/W grew by £189.35 to a new total of £63,903.05.My N/W grew by £2,080.14 to a new total of £63,713.70.My N/W grew by £3,196.03 to a new total of £61,633.56.My N/W grew by £2,262.53 to a new total of £58,437.53.My N/W grew by £2,846.97 to a new total of £54,453.44.My N/W grew by £1,721.56 to a new total of £56,175.
Hi Everyone, recently passed 10k so wanted to check in here.
Emergency fund - 3k
Pension - 3469
ETF - 5290 (tax on gains not deducted)
Poker Roll - 140
Goal for 2021 is to reach 20k. GL everyone.
Hit my goal for 2021 ahead of schedule. Im starting to find more spendy desires popping up. Has anyone else found that after the initial honeymoon period.
Pension - 8350
Taxable - 13300
Emergency fund - 520
01/06/2018: -60
01/01/2019: 2875.28
01/07/2019: 9288.2
01/08/2019: 10.485.05
01/09/2019: 11554.85
28/09/2019: 12.182,10
24/10/2019: 13.082.24
26/11/2019: 14,311.49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Goal 01/01/2021: 27.500 Excluding sinking funds for holidays and health insurance, including student loan at 0.01% interest.
Good increase due to holiday payment this month. Will see how things go from here, as I have quit my job.
01/08/2020: 22,701.09. From here on out my total will go down, as I am currently unemployed and have lived of the remaining payments. Let's see where we get.
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k $89.7k June $18.5k $33.3k $53.5k $90.3k $84.4k July $6.2k $20.2k $35.1k $58.5k $92.0k $92.4k August $6.8k $20.8k $36.7k $63.0k $94.4k $89.6k September $8.2k $22.2k $38.6k $63.2k $93.1k $81.4k October $9.0k $21.7k $40.2k $62.9k $97.1k $86.3k November $9.9k $22.5k $42.6k $69.9k $95.1k $90.8k December $11.1k $22.4k $44.6k $75.0k $100.3k
Third high-spend month in a row, and hopefully the last for a while. October was also the last full month of my grad student income - this month I will start making >$50k salary for the first time ever!
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
01/11/2022: 57.699,49 (+1.844,05 )
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
01/11/2022: 57.699,49 (+1.844,05 )
01/12/2022: 56.415,91 (-1.283,58 )
Another red month and net worth is lower than 12 month ago for the 2nd month in a row, despite savings of roughly 14k between November last year and now.
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
01/11/2022: 57.699,49 (+1.844,05 )
01/12/2022: 56.415,91 (-1.283,58 )
Another red month and net worth is lower than 12 month ago for the 2nd month in a row, despite savings of roughly 14k between November last year and now.
Look on the bright side - you're buying shares cheaply. In the long run this period of time will benefit us all greatly.
It is very frustrating to see though.
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k $89.7k June $18.5k $33.3k $53.5k $90.3k $84.4k July $6.2k $20.2k $35.1k $58.5k $92.0k $92.4k August $6.8k $20.8k $36.7k $63.0k $94.4k $89.6k September $8.2k $22.2k $38.6k $63.2k $93.1k $81.4k October $9.0k $21.7k $40.2k $62.9k $97.1k $86.3k November $9.9k $22.5k $42.6k $69.9k $95.1k $90.8k December $11.1k $22.4k $44.6k $75.0k $100.3k $94.7k
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
01/11/2022: 57.699,49 (+1.844,05 )
01/12/2022: 56.415,91 (- 1.283,58 )
EF cash: $3,500
Vanguard Roth IRA: $7,517.95
Robinhood: $94.48
= $11,112.43
EF cash: $3,500
Vanguard Roth IRA: $9,310.32
Vanguard tIRA: $1,983.07
Robinhood: $209
= $15,002.39
EF : $3500
Roth IRA: $8,921.13
tIRA : $5,708.08
tIRA : $2,279.00
Robinhood : $239.28
=$17,146.49
EF cash: $3,500
Vanguard Roth IRA: $7,517.95
Robinhood: $94.48
= $11,112.43
EF cash: $3,500
Vanguard Roth IRA: $9,310.32
Vanguard tIRA: $1,983.07
Robinhood: $209
= $15,002.39
EF : $3500
Roth IRA: $8,921.13
tIRA : $5,708.08
tIRA : $2,279.00
Robinhood : $239.28
=$17,146.49
EF : $1650
Roth IRA : $7741.74
tIRA : $5408.81
tIRA : $4851.49
Robinhood : $201.84
=$19853.88
@la Condessa That's some nice progress. Especially considering how the market went in 2022. Keep it up!
01/06/2018: -60
01/01/2019: 2875.28
01/07/2019: 9288.2
01/08/2019: 10.485.05
01/09/2019: 11554.85
28/09/2019: 12.182,10
24/10/2019: 13.082.24
26/11/2019: 14,311.49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
I have been pretty AWOL from this forum and this thread, since I have had a few years with limited employment and life happening. I am glad to see that I am back where I started XD. Its a couple of days early, but these seem to be the numbers for now:
November 22: 21,636.38 + 972.77.
This is a very good month and I have been very diligent with the budget. Also we have received a high energy prices subsidie from the governement, which helps a lot.
01/01/2023: 22,315.45 + 679.07
I put a lot of money into savings this month, but the market didn't help. I also prepaid a whole year of health insurance, which was about another 1250, so I am pretty pleased with the end of the year. IN part due to unsuspected bonus from the boss. Love me some bonus.
2017 2018 2019 2020 2021 2022 January $12.1k $24.7k $49.0k $76.2k $95.4k February $13.6k $27.2k $46.5k $79.0k $95.0k March $15.1k $29.3k $42.7k $82.6k $96.4k April $16.6k $31.3k $47.5k $87.3k $90.3k May $17.7k $31.5k $50.6k $88.2k $89.7k June $18.5k $33.3k $53.5k $90.3k $84.4k July $6.2k $20.2k $35.1k $58.5k $92.0k $92.4k August $6.8k $20.8k $36.7k $63.0k $94.4k $89.6k September $8.2k $22.2k $38.6k $63.2k $93.1k $81.4k October $9.0k $21.7k $40.2k $62.9k $97.1k $86.3k November $9.9k $22.5k $42.6k $69.9k $95.1k $90.8k December $11.1k $22.4k $44.6k $75.0k $100.3k $94.7k
Joining for the new year, and I'll probably be here for a while... As of this month I am debt-free and I'm narrowly on-track to max out my ROTH by April. My spreadsheet says I won't hit 100k until 2024.
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
Over a year after first, briefly touching $100k, and over 5 years after first entering this race, today I am leaving with $103.3k!
The jump is helped partly by my new, higher income, but significantly more by market gains following a year of chucking money in despite seeing no return.
I'm not going to join the next race because I'm planning to combine finances with my partner in a few months anyway, but it feels good to have hit this milestone all on my own. Thanks for the camaraderie everyone!
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
01/11/2022: 57.699,49 (+1.844,05 )
01/12/2022: 56.415,91 (- 1.283,58 )
01/01/2023: 56.475,06 (+ 59,15 )
EF cash: $3,500
Vanguard Roth IRA: $7,517.95
Robinhood: $94.48
= $11,112.43
EF cash: $3,500
Vanguard Roth IRA: $9,310.32
Vanguard tIRA: $1,983.07
Robinhood: $209
= $15,002.39
EF : $3500
Roth IRA: $8,921.13
tIRA : $5,708.08
tIRA : $2,279.00
Robinhood : $239.28
=$17,146.49
EF : $1650
Roth IRA : $7741.74
tIRA : $5537.45
tIRA : $6072.85
Robinhood : $201.84
=$21,203.88
Student Loan Debt
01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456 (currently at 0% interest)
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)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)
My largest single month increase, my new personnel high for net worth, and oh so close to graduating this thread. Unless there is a big down turn in the market I should be graduating from this thread next month with a bit of buffer. It is exciting for me to see such large increases and it almost feels surreal! Congrats to everyone else as it appears many of you had exceptional months as well!
01/06/2018: -6001/02/2023: 23.270,66 + 955.21
01/01/2019: 2.875,28
01/07/2019: 9.288,20
01/08/2019: 10.485,05
01/09/2019: 11.554,85
28/09/2019: 12.182,10
24/10/2019: 13.082,24
26/11/2019: 14,311,49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Big gap
01/12/2022: 21.636,38 + 972.77.
01/01/2023: 22.315,45 + 679.07
Student Loan Debt
01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456 (currently at 0% interest)
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)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)
My largest single month increase, my new personnel high for net worth, and oh so close to graduating this thread. Unless there is a big down turn in the market I should be graduating from this thread next month with a bit of buffer. It is exciting for me to see such large increases and it almost feels surreal! Congrats to everyone else as it appears many of you had exceptional months as well!
08/11/22: $95,366
09/07/22: $90,774 (-4592)
11/04/22: $90,694 (-80)
12/08/22: $97,814 (+7120)
01/04/23: $99,198 (+1384)
02/07/23: $109,222 (+10,024)
On to the next!
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
01/06/2018: -60
01/01/2019: 2.875,28
01/07/2019: 9.288,20
01/08/2019: 10.485,05
01/09/2019: 11.554,85
28/09/2019: 12.182,10
24/10/2019: 13.082,24
26/11/2019: 14,311,49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Big gap
01/12/2022: 21.636,38 + 972.77.
01/01/2023: 22.315,45 + 679.07
01/02/2023: 23.270,66 + 955.21
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
01/11/2022: 57.699,49 (+1.844,05 )
01/12/2022: 56.415,91 (- 1.283,58 )
01/01/2023: 56.475,06 (+ 59,15 )
01/02/2023: 59.646,67 (+3.171,61 )
Mar '23 97,216
So close! Starting a low-buy year has made a big difference in my savings rate.
Just need to see how much GST I need to pay for taxes and then I'll hopefully hit this goal in the next month or two
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)
03/01/23: $96,917 (-$1,400)
04/01/23: $105,349 ($8,432)
Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!
EF cash: $3,500
Vanguard Roth IRA: $7,517.95
Robinhood: $94.48
= $11,112.43
EF cash: $3,500
Vanguard Roth IRA: $9,310.32
Vanguard tIRA: $1,983.07
Robinhood: $209
= $15,002.39
EF : $3500
Roth IRA: $8,921.13
tIRA : $5,708.08
tIRA : $2,279.00
Robinhood : $239.28
=$17,146.49
EF : $1650
Roth IRA : $7741.74
tIRA : $5537.45
tIRA : $6072.85
Robinhood : $201.84
=$21,203.88
EF : $2,580
Roth IRA : $8,282.52
tIRA : $5,993.05
tIRA : $8,981.68
Robinhood : $220.47
=$26,057.72
Real progress! Partly the market and partly executing the plan. And partly my husband really getting fully on board for the first time. Hes doing awesome. Were on track to finish filling the IRAs for last year before the cutoff.
04/01/23: $105,349 ($8,432)
Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!
Congratulations! I should be on the next thread in about 4 or 5 months I figure. At around $91k.
Amazing job-- it's a huge accomplishment! congrats!
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
01/11/2022: 57.699,49 (+1.844,05 )
01/12/2022: 56.415,91 (- 1.283,58 )
01/01/2023: 56.475,06 (+ 59,15 )
01/02/2023: 59.646,67 (+3.171,61 )
01/03/2023: 60.002,28 (+ 355,61 )
04/01/23: $105,349 ($8,432)
Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
01/06/2018: -60
01/01/2019: 2.875,28
01/07/2019: 9.288,20
01/08/2019: 10.485,05
01/09/2019: 11.554,85
28/09/2019: 12.182,10
24/10/2019: 13.082,24
26/11/2019: 14,311,49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Big gap
01/12/2022: 21.636,38 + 972.77.
01/01/2023: 22.315,45 + 679.07
01/02/2023: 23.270,66 + 955.21
01/03/2023: 24.052,03 + 781,37
01/04/2023: 24.755,50 + 703,47
Decent month last month, even though I spend a lot on hobby items. The next 3 months are going to be "sav, save, save" as I am in the process of buying a home. My total net worth is going to go up a lot soon, but that will be due to my parents gifting towards my house. Its a bit weird. They are giving more than I am worth in all the world (monetarily). But I realize I am incredibly lucky to have the help and support. Up and Up.
Apr '23 100,655!!!!!
Well, of all things! Super excited to reach this goal. Amazed really.
Dec '17 18,146
Jan '18 23,607
Dec '18 48,380
Dec '19 60,746
Jan '20 63,186
July '20 58,562
Dec '20 62,900
Jan '21 65,400
Mar '21 68,750
July '21 79,020
Aug '21 82,801
Dec 21 84,800
Jan '22 83,500
Mar '22 88,775
Apr '22 78,000 **big hit
Aug '22 83,006
Dec '22 87,113
Jan '23 88,732
Feb '23 94,500
Mar '23 97,216
Apr '23 100,655!!!!!
Well, of all things! Super excited to reach this goal. Amazed really.
The next few months will be very slow income-wise due to dental work, time off, travel & all the life stuff so will hesitantly bump myself into the next race..will need to get a bit more of a buffer before I feel like I actually truly have graduated. All the best to everyone! :)
Congrats! that is a massive achievement! The first hundred is the hardest I hear all the time. Anything you are doing to celebrate?
Dec '17 18,146
Jan '18 23,607
Dec '18 48,380
Dec '19 60,746
Jan '20 63,186
July '20 58,562
Dec '20 62,900
Jan '21 65,400
Mar '21 68,750
July '21 79,020
Aug '21 82,801
Dec 21 84,800
Jan '22 83,500
Mar '22 88,775
Apr '22 78,000 **big hit
Aug '22 83,006
Dec '22 87,113
Jan '23 88,732
Feb '23 94,500
Mar '23 97,216
Apr '23 100,655!!!!!
Well, of all things! Super excited to reach this goal. Amazed really.
The next few months will be very slow income-wise due to dental work, time off, travel & all the life stuff so will hesitantly bump myself into the next race..will need to get a bit more of a buffer before I feel like I actually truly have graduated. All the best to everyone! :)
You and I have been on a very similar pace to get to $100,000 and our timing of dips and market issues has been step for step. I just got paid today and my Mint says about $99,500, but with a mortgage coming out and a few other things to be paid I figured i'd better wait until the next paycheck to cross myself off of this thread. Congrats to you, i'm coming in right behind ya! My buffer situation is a little different. I've been battling to get that $100k figure, but as soon as I do it on my own I'm going to finally start counting an ESOP from my employer as i'm about to be fully vested, and there's a little bit of money in there that will officially be mine, so i'll leapfrog up the totem pole a little bit once that happens. But again I just wanted to do the 100k on my own first! Congrats again!
01/06/2018: -60
01/01/2019: 2.875,28
01/07/2019: 9.288,20
01/08/2019: 10.485,05
01/09/2019: 11.554,85
28/09/2019: 12.182,10
24/10/2019: 13.082,24
26/11/2019: 14,311,49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Big gap
01/12/2022: 21.636,38 + 972.77.
01/01/2023: 22.315,45 + 679.07
01/02/2023: 23.270,66 + 955.21
01/03/2023: 24.052,03 + 781,37
01/04/2023: 24.755,50 + 703,47
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
@Serendip CONGRATS on passing this milestone. You did it!!!!
Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)
December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344
January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521
Goal for 2023: EUR 60K
Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.
@Serendip CONGRATS on passing this milestone. You did it!!!!
Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)
December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344
January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521
Goal for 2023: EUR 60K
Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.
@Serendip CONGRATS on passing this milestone. You did it!!!!
When you say early repayment on your mortgage do you mean the entire mortgage is now paid off? Otherwise how would it affect your monthly fixed expenses. I ask because it barely affected your numbers.
Seems like a good balance of invest/save vs debt repayment to me! Is the interest rate on the first low enough to instead invest until you have enough to pay off the first one and then do it all at once? Keep the extra liquidity that way. Maybe make money in the process with potential investment gains speeding up the process. Depends on a lot of factors which i'm sure you've thought about, just curious!Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)
December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344
January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521
Goal for 2023: EUR 60K
Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.
@Serendip CONGRATS on passing this milestone. You did it!!!!
When you say early repayment on your mortgage do you mean the entire mortgage is now paid off? Otherwise how would it affect your monthly fixed expenses. I ask because it barely affected your numbers.
It is a partial repayment. We have two mortgages and are working on repaying 1 as soon as possible. Original repayment date of this one was in 2033, but currently it stands at 2031 and we're hoping to get rid of this part in 2027. Which means that after 2027, the monthly free cashflow available for investing will increase significantly. In theory, we can already repay this mortgage in full from our savings and investments, but then we have no emergency fund left, which does not feel right. But any windfalls go to this mortgage to shorten the repayment period (and slightly lower the monthly expenses because of less interest).
The other mortgage will probably not be repaid, since the interest rate is fixed till 2040 at 2.59% and our house value is >3 times the mortgage value.
Repayment of mortgage #1 is a priority for us, since this will free monthly cashflow, which we will need when our teens will start their college years. Fortunately, education in the Netherlands is affordable, but it is nice to help them out on their other expenses. So we're not looking into the interest rate, since this is not part of our discussion on this. Just to free an extra 500-600 euro every month (EVERY MONTH!!!!) sounds tempting enough for us.Seems like a good balance of invest/save vs debt repayment to me! Is the interest rate on the first low enough to instead invest until you have enough to pay off the first one and then do it all at once? Keep the extra liquidity that way. Maybe make money in the process with potential investment gains speeding up the process. Depends on a lot of factors which i'm sure you've thought about, just curious!Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)
December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344
January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197
April 2023: EUR 48,521
Goal for 2023: EUR 60K
Downwards month because we used part of our liquid funds to do an early repayment on our mortgage (which is good for our net worth and good for getting the monthly fixed expenses down, so more possibilities to save). And we went to travel for a week, which also got the liquid funds down a little. But we made loads of good memories as a family, which is way more valuable. Next month will be holiday pay and (hopefully) tax return. However, the tax return will be immediately redirected to our mortgage, so this will not be in this challenge.
@Serendip CONGRATS on passing this milestone. You did it!!!!
When you say early repayment on your mortgage do you mean the entire mortgage is now paid off? Otherwise how would it affect your monthly fixed expenses. I ask because it barely affected your numbers.
It is a partial repayment. We have two mortgages and are working on repaying 1 as soon as possible. Original repayment date of this one was in 2033, but currently it stands at 2031 and we're hoping to get rid of this part in 2027. Which means that after 2027, the monthly free cashflow available for investing will increase significantly. In theory, we can already repay this mortgage in full from our savings and investments, but then we have no emergency fund left, which does not feel right. But any windfalls go to this mortgage to shorten the repayment period (and slightly lower the monthly expenses because of less interest).
The other mortgage will probably not be repaid, since the interest rate is fixed till 2040 at 2.59% and our house value is >3 times the mortgage value.
EF cash: $3,500
Vanguard Roth IRA: $7,517.95
Robinhood: $94.48
= $11,112.43
EF cash: $3,500
Vanguard Roth IRA: $9,310.32
Vanguard tIRA: $1,983.07
Robinhood: $209
= $15,002.39
EF : $3500
Roth IRA: $8,921.13
tIRA : $5,708.08
tIRA : $2,279.00
Robinhood : $239.28
=$17,146.49
EF : $1650
Roth IRA : $7741.74
tIRA : $5537.45
tIRA : $6072.85
Robinhood : $201.84
=$21,203.88
EF : $2,580
Roth IRA : $8,282.52
tIRA : $5,993.05
tIRA : $8,981.68
Robinhood : $220.47
=$26,057.72
Real progress! Partly the market and partly executing the plan. And partly my husband really getting fully on board for the first time. Hes doing awesome. Were on track to finish filling the IRAs for last year before the cutoff.
EF : $2,880.06
Roth IRA: $8,218.34
tIRA: $5,934.85
TIRA: $11,311.82
Robinhood: $217.06
=$28,562.13
Well after this month's monthly income, I am at 94K net worth; my net worth increases about $2k per month on average, assuming no major expenses.
However, I was looking up the price of my home and it has increased another $10,000. I was counting my home as $95k of the net worth, back when Zillow said it was worth $130k -- since I'd have to deduct repair costs, realtor fees and closing costs if I ever sold (I was being liberal with the potential selling expenses); also I thought home prices would come down because they went up so abruptly the past couple years.
But now Zillow says my home is worth near 150K. So I decided to add another $10k to my net worth, allowing $105k for the home instead of $95k.
So I have achieved my goal of $100k net worth as my net worth is at $104k. I guess it's time to move onto the race to $500k, which will take a very long time -- probably 10 years at least.
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
01/11/2022: 57.699,49 (+1.844,05 )
01/12/2022: 56.415,91 (- 1.283,58 )
01/01/2023: 56.475,06 (+ 59,15 )
01/02/2023: 59.646,67 (+3.171,61 )
01/03/2023: 60.002,28 (+ 355,61 )
01/04/2023: 63.066,29 (+3.064,01 )
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
I was over $80K a couple of days ago...oh well. Next month!
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
01/11/2022: 57.699,49 (+1.844,05 )
01/12/2022: 56.415,91 (- 1.283,58 )
01/01/2023: 56.475,06 (+ 59,15 )
01/02/2023: 59.646,67 (+3.171,61 )
01/03/2023: 60.002,28 (+ 355,61 )
01/04/2023: 63.066,29 (+3.064,01 )
01/05/2023: 62.039,59 (-1.026,70 )
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
01/11/2022: 57.699,49 (+1.844,05 )
01/12/2022: 56.415,91 (- 1.283,58 )
01/01/2023: 56.475,06 (+ 59,15 )
01/02/2023: 59.646,67 (+3.171,61 )
01/03/2023: 60.002,28 (+ 355,61 )
01/04/2023: 63.066,29 (+3.064,01 )
01/05/2023: 62.039,59 (-1.026,70 )
01/06/2023: 64.461,16 (2.421,57 )
Hey everyone! So excited to make it to this thread finally. Here are my numbers as of this morning.
3/4/2022: $12,100 cash + $1,034 investments - $0 debt = $13,134 NW
7/12/2022: $14,300 cash + $2,450 investments - $0 debt = $16,750 NW
Finally graduated college at the ripe old age of 27 and landed a good job, so I'm looking forward to watching my stache grow at a faster rate!
I had hoped to be closer to $20K in net worth this time of year, but I spent a dumb amount of money furnishing my new apartment with brand new stuff.
I was walking through Goodwill yesterday and realized I would've been just as happy with the used furniture, dishes and appliances they were selling. I still have a lot to learn but I've been learning a lot by devouring every episode of the Mad Fientist podcast. Really interested in maxing my 401k and IRA somehow.
11/5/2022: $18,312 cash + $4,002 401k + $4,560 IRA = $26,874 NW
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
My 401K has gone bonkers in a good way. Here I thought it was going to be a low month since I paid for car maintenance and my annual gym membership.
You are getting so close to the finish line, @LittleWanderer I'm cheering for you!
01/06/2018: -60
01/01/2019: 2.875,28
01/07/2019: 9.288,20
01/08/2019: 10.485,05
01/09/2019: 11.554,85
28/09/2019: 12.182,10
24/10/2019: 13.082,24
26/11/2019: 14,311,49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Big gap
01/12/2022: 21.636,38 + 972.77.
01/01/2023: 22.315,45 + 679.07
01/02/2023: 23.270,66 + 955.21
01/03/2023: 24.052,03 + 781,37
01/04/2023: 24.755,50 + 703,47
01/05/2023: 25,649.20 + 893.70
01/09/2023: 53,363.61 (house purchase)
I bought a house (just me, all on my lonesome!) and got the keys in July. I am very proud.
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
01/06/2018: -60
01/01/2019: 2.875,28
01/07/2019: 9.288,20
01/08/2019: 10.485,05
01/09/2019: 11.554,85
28/09/2019: 12.182,10
24/10/2019: 13.082,24
26/11/2019: 14,311,49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Big gap
01/12/2022: 21.636,38 + 972.77.
01/01/2023: 22.315,45 + 679.07
01/02/2023: 23.270,66 + 955.21
01/03/2023: 24.052,03 + 781,37
01/04/2023: 24.755,50 + 703,47
01/05/2023: 25,649.20 + 893.70
01/09/2023: 53,363.61 (house purchase)
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
01/06/2018: -60
01/01/2019: 2.875,28
01/07/2019: 9.288,20
01/08/2019: 10.485,05
01/09/2019: 11.554,85
28/09/2019: 12.182,10
24/10/2019: 13.082,24
26/11/2019: 14,311,49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Big gap
01/12/2022: 21.636,38 + 972.77.
01/01/2023: 22.315,45 + 679.07
01/02/2023: 23.270,66 + 955.21
01/03/2023: 24.052,03 + 781,37
01/04/2023: 24.755,50 + 703,47
01/05/2023: 25,649.20 + 893.70
01/09/2023: 53,363 (house purchase)
01/10/2023: 54,611
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
01/06/2018: -60
01/01/2019: 2.875,28
01/07/2019: 9.288,20
01/08/2019: 10.485,05
01/09/2019: 11.554,85
28/09/2019: 12.182,10
24/10/2019: 13.082,24
26/11/2019: 14,311,49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Big gap
01/12/2022: 21.636,38 + 972.77.
01/01/2023: 22.315,45 + 679.07
01/02/2023: 23.270,66 + 955.21
01/03/2023: 24.052,03 + 781,37
01/04/2023: 24.755,50 + 703,47
01/05/2023: 25,649.20 + 893.70
01/09/2023: 53,363 (house purchase)
01/10/2023: 54,611
01/11/2023: 56,135
Added | Total | ||||
Jan-23 | 0 K | ||||
Feb-23 | 0 K | ||||
Mar-23 | 0 K | ||||
Apr-23 | 0 K | 0 K | |||
May-23 | 8 K | 8 K | |||
Jun-23 | 7.4 K | 15.4 K | |||
Jul-23 | 0.3 K | 15.7 K | |||
Aug-23 | 4 K | 19.7 K | |||
Sep-23 | -0.1 K | 19.6 K | |||
Oct-23 | 2.5 K | 22.1 K | |||
Nov-23 | 1.9 K | 24 K | |||
Dec-23 | 1.3 K | 25.4 K |
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
Hey everyone! So excited to make it to this thread finally. Here are my numbers as of this morning.
3/4/2022: $12,100 cash + $1,034 investments - $0 debt = $13,134 NW
7/12/2022: $14,300 cash + $2,450 investments - $0 debt = $16,750 NW
Finally graduated college at the ripe old age of 27 and landed a good job, so I'm looking forward to watching my stache grow at a faster rate!
I had hoped to be closer to $20K in net worth this time of year, but I spent a dumb amount of money furnishing my new apartment with brand new stuff.
I was walking through Goodwill yesterday and realized I would've been just as happy with the used furniture, dishes and appliances they were selling. I still have a lot to learn but I've been learning a lot by devouring every episode of the Mad Fientist podcast. Really interested in maxing my 401k and IRA somehow.
11/5/2022: $18,312 cash + $4,002 401k + $4,560 IRA = $26,874 NW
7/26/2023: $23,106 cash + $14,014 401k + $14,654 IRA + $35 brokerage - $0 debt = $51,809 NW
$100k here I come! But more importantly, happy fulfilled life here I come. Really proud that I'm obsessing over this number much less now.
01/06/2018: -60
01/01/2019: 2.875,28
01/07/2019: 9.288,20
01/08/2019: 10.485,05
01/09/2019: 11.554,85
28/09/2019: 12.182,10
24/10/2019: 13.082,24
26/11/2019: 14,311,49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Big gap
01/12/2022: 21.636,38 + 972.77.
01/01/2023: 22.315,45 + 679.07
01/02/2023: 23.270,66 + 955.21
01/03/2023: 24.052,03 + 781,37
01/04/2023: 24.755,50 + 703,47
01/05/2023: 25,649.20 + 893.70
01/09/2023: 53,363 (house purchase)
01/10/2023: 54,611
01/11/2023: 56,135
01/12/2023: 57,492
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000
January 2024 - $99,131
I'm a day early, but I know I'll forget to do this tomorrow. I don't want to jinx myself, but...maybe next month??
01/06/2018: -60
01/01/2019: 2.875,28
01/07/2019: 9.288,20
01/08/2019: 10.485,05
01/09/2019: 11.554,85
28/09/2019: 12.182,10
24/10/2019: 13.082,24
26/11/2019: 14,311,49
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280,05
Big gap
01/12/2022: 21.636,38 + 972.77.
01/01/2023: 22.315,45 + 679.07
01/02/2023: 23.270,66 + 955.21
01/03/2023: 24.052,03 + 781,37
01/04/2023: 24.755,50 + 703,47
01/05/2023: 25,649.20 + 893.70
01/09/2023: 53,363 (house purchase)
01/10/2023: 54,611
01/11/2023: 56,135
01/12/2023: 57,492
01/01/2024: 59,606 Investments: 550
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000
January 2024 - $99,131
I'm a day early, but I know I'll forget to do this tomorrow. I don't want to jinx myself, but...maybe next month??
January 2023 - $74,355
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000
January 2024 - $99,131
I'm a day early, but I know I'll forget to do this tomorrow. I don't want to jinx myself, but...maybe next month??
2023 | Added | Total | 2024 | Aim | Added | SR | Total | ||||||||
Jan-23 | 0 K | | | Jan-24 | 2.7 K | 3.6 K | 80% | 33.1 K | ||||||||
Feb-23 | 0 K | | | Feb-24 | 2.3 K | 2.3 K | % | 0 K | ||||||||
Mar-23 | 0 K | | | Mar-24 | 2.1 K | 0 K | % | 0 K | ||||||||
Apr-23 | 0 K | 0 K | | | Apr-24 | 2.3 K | 0 K | % | 0 K | |||||||
May-23 | 8 K | 8 K | | | May-24 | 3.9 K | 0 K | % | 0 K | |||||||
Jun-23 | 7.4 K | 15.4 K | | | Jun-24 | 2.3 K | 0 K | % | 0 K | |||||||
Jul-23 | 0.3 K | 15.7 K | | | Jul-24 | 2.3 K | 0 K | % | 0 K | |||||||
Aug-23 | 4 K | 19.7 K | | | Aug-24 | 2.3 K | 0 K | % | 0 K | |||||||
Sep-23 | -0.1 K | 19.6 K | | | Sep-24 | 2.3 K | 0 K | % | 0 K | |||||||
Oct-23 | 2.5 K | 22.1 K | | | Oct-24 | 2.3 K | 0 K | % | 0 K | |||||||
Nov-23 | 1.9 K | 24 K | | | Nov-24 | 2.3 K | 0 K | % | 0 K | |||||||
Dec-23 | 1.3 K | 25.4 K | | | Dec-24 | 2.3 K | 0 K | % | 0 K |
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000
January 2024 - $99,131
February 2024 - $102,401
Holy crap, I did it. It took me almost exactly 7 years to go from zero to $100K.
Thanks for all the support! I'm a single lady who just turned 41 last week and doesn't earn that much, so it was a battle. I hope to see you all in the next thread soon!!! :)
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 )
01/12/2020: 32.157,81 (+2.182,04 )
01/01/2021: 37.536,36 (+5.378,55 )
01/02/2021: 39.128,65 (+1.592,29 )
01/03/2021: 43.488,25 (+4.359,60 )
01/04/2021: 50.227,75 (+6.739,50 )
01/05/2021: 50.942,27 (+ 714,52 )
01/06/2021: 45.969,23 (- 4.973,04 )
01/07/2021: 47.887,98 (+1.918,75 )
01/08/2021: 50.361,49 (+2.473,51 )
01/09/2021: 55.538,44 (+5.176,95 )
01/10/2021: 55.405,64 (- 132,80 )
01/11/2021: 62.397,76 (+6.992,12 )
01/12/2021: 62.957,50 (+ 559,74 )
01/01/2022: 62.444,54 (- 512,96 )
01/02/2022: 57.130,55 (- 5.313,99 )
01/03/2022: 59.780,50 (+2.649,95 )
01/04/2022: 63.814,15 (+4.033,65 )
01/05/2022: 60.816,35 (- 2.997,80 )
01/06/2022: 55.643,44 (- 5.172,91 )
01/07/2022: 49.784,34 (- 5.859,10 )
01/08/2022: 56.777,07 (+6.992,73 )
01/09/2022: 56.724,00 (- 53,07 )
01/10/2022: 55.855,44 (- 868,56 )
01/11/2022: 57.699,49 (+1.844,05 )
01/12/2022: 56.415,91 (- 1.283,58 )
01/01/2023: 56.475,06 (+ 59,15 )
01/02/2023: 59.646,67 (+3.171,61 )
01/03/2023: 60.002,28 (+ 355,61 )
01/04/2023: 63.066,29 (+3.064,01 )
01/05/2023: 62.039,59 (-1.026,70 )
01/06/2023: 64.461,16 (+2.421,57 )
01/07/2023: 68.526,22 (+4.065,06 )
2023 | Added | Total | 2024 | Aim | Added | SR | Total | ||||||||
Jan-23 | 0 K | | | Jan-24 | 2.7 K | 3.6 K | 80% | 33.1 K | ||||||||
Feb-23 | 0 K | | | Feb-24 | 2.3 K | 2.5 K | 65% | 36.7 K | ||||||||
Mar-23 | 0 K | | | Mar-24 | 2.1 K | 2.5 K | % | 0 K | ||||||||
Apr-23 | 0 K | 0 K | | | Apr-24 | 2.3 K | 0 K | % | 0 K | |||||||
May-23 | 8 K | 8 K | | | May-24 | 3.9 K | 0 K | % | 0 K | |||||||
Jun-23 | 7.4 K | 15.4 K | | | Jun-24 | 2.3 K | 0 K | % | 0 K | |||||||
Jul-23 | 0.3 K | 15.7 K | | | Jul-24 | 2.3 K | 0 K | % | 0 K | |||||||
Aug-23 | 4 K | 19.7 K | | | Aug-24 | 2.3 K | 0 K | % | 0 K | |||||||
Sep-23 | -0.1 K | 19.6 K | | | Sep-24 | 2.3 K | 0 K | % | 0 K | |||||||
Oct-23 | 2.5 K | 22.1 K | | | Oct-24 | 2.3 K | 0 K | % | 0 K | |||||||
Nov-23 | 1.9 K | 24 K | | | Nov-24 | 2.3 K | 0 K | % | 0 K | |||||||
Dec-23 | 1.3 K | 25.4 K | | | Dec-24 | 2.3 K | 0 K | % | 0 K |
01/06/2018: -60
01/01/2019: 2.875
01/07/2019: 9.288
01/08/2019: 10.485
01/09/2019: 11.554
28/09/2019: 12.182
24/10/2019: 13.082
26/11/2019: 14,311
01/02/2020: 15.260
29/04/2020: 18.544
31/05/2020: 21.280
Big gap
01/12/2022: 21.636
01/01/2023: 22.315
01/02/2023: 23.270
01/03/2023: 24.052
01/04/2023: 24.755
01/05/2023: 25,649
01/09/2023: 53,363 (house purchase)
01/10/2023: 54,611
01/11/2023: 56,135
01/12/2023: 57,492
01/01/2024: 59,606 Investments: 550
01/02/2024: 60,227 Investments: 619
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000
January 2024 - $99,131
February 2024 - $102,401
Holy crap, I did it. It took me almost exactly 7 years to go from zero to $100K.
Thanks for all the support! I'm a single lady who just turned 41 last week and doesn't earn that much, so it was a battle. I hope to see you all in the next thread soon!!! :)
February 2023 - $75,352
March 2023 - $76,441
April 2023 - $79,158
May 2023 - $79,638
June 2023 - $84,521
July 2023 - $88,351
August 2023 - $87,215
September 2023 - $83,271
October 2023 - $82,040
November 2023 - $90,530
December 2023 - $97,000
January 2024 - $99,131
February 2024 - $102,401
Holy crap, I did it. It took me almost exactly 7 years to go from zero to $100K.
Thanks for all the support! I'm a single lady who just turned 41 last week and doesn't earn that much, so it was a battle. I hope to see you all in the next thread soon!!! :)
It took me almost exactly 7 years to go from zero to $100K.
I still feel somewhat uncertain about tracking by Net Worth vs Cash+Liquid&Retirement Investments. I understand the argument for the latter for homeowners, to strike out estimated home value and mortgage balance. But since I rent and my liabilities are in student loans, it doesn't feel "real" to say that I have almost $40k in cash+liquid investments. (!!)
But even in a full NW calculation, I've now crossed the $10k mark! My NW has already increased by almost $8k since the beginning of the year due to a very lucrative February (:
3/7/2024 NW: $11.4k / Cash/Stocks: $38.4k
I still feel somewhat uncertain about tracking by Net Worth vs Cash+Liquid&Retirement Investments. I understand the argument for the latter for homeowners, to strike out estimated home value and mortgage balance. But since I rent and my liabilities are in student loans, it doesn't feel "real" to say that I have almost $40k in cash+liquid investments. (!!)
But even in a full NW calculation, I've now crossed the $10k mark! My NW has already increased by almost $8k since the beginning of the year due to a very lucrative February (:
3/7/2024 NW: $11.4k / Cash/Stocks: $38.4k
I'm only tracking my "stache," aka my retirement investments. My actual NW may cross the 100k mark this year. My stache... not so much.
I still feel somewhat uncertain about tracking by Net Worth vs Cash+Liquid&Retirement Investments. I understand the argument for the latter for homeowners, to strike out estimated home value and mortgage balance. But since I rent and my liabilities are in student loans, it doesn't feel "real" to say that I have almost $40k in cash+liquid investments. (!!)
But even in a full NW calculation, I've now crossed the $10k mark! My NW has already increased by almost $8k since the beginning of the year due to a very lucrative February (:
3/7/2024 NW: $11.4k / Cash/Stocks: $38.4k
I'm only tracking my "stache," aka my retirement investments. My actual NW may cross the 100k mark this year. My stache... not so much.
I'm guessing that discrepancy is in home equity?
Like I said, I see the value in excluding home/mortgage, but student loans (and current statement balances on credit cards, for that matter) seem more like straightforward dollar inputs that don't have the same complexity as real estate. I just don't feel like I "have" almost $40k when I almost have -$40k in student loans balancing it right out. (The other assets bringing me up over $10k are my musical instruments).
As of March 5, I have $100,068 invested with Victory Capital. :) I know that's not a lot compared to what other people have saved up, but I'm low income and made some sacrifices to get to this point, and the past few years had some serious challenges. I'm pretty happy to have made it to this point. :)
I also have $36K in the state retirement system.
As of March 5, I have $100,068 invested with Victory Capital. :) I know that's not a lot compared to what other people have saved up, but I'm low income and made some sacrifices to get to this point, and the past few years had some serious challenges. I'm pretty happy to have made it to this point. :)
I also have $36K in the state retirement system.
Hi! Id like to join the race:)
My numbers so far:
Jan - $53021
Feb - $60487
March - $65256
This year I will have few major expenses, but still I would like to reach 100K before 2025!
Hi! Id like to join the race:)
My numbers so far:
Jan - $53021
Feb - $60487
March - $65256
This year I will have few major expenses, but still I would like to reach 100K before 2025!
Welcome, and good luck with hitting the $100k milestone!