Race from 10 to 100k!!

[Old Ball Coach]

Hello all!

I've been using the 100k to 250k thread for a while, but it didn't feel right with the way I was calculating my net worth. I was including my home value  in it and that's not something that I would consider selling without having to replace with another big expense, so I've removed that but kept the mortgage in my net worth since I still have to pay that cost. Below are my new numbers.

April 2018 - $52,917.42

[aoedae]

March 14 2018 - NW £41703.38
(Includes cash, S&S ISA, LISA, Pension)

May 19 2018 - NW £46049.16
(Includes cash, S&S ISA, LISA, Pension)

Not bad on a £26k pa job, in my opinion! :)

[grantmeaname]

I think most of the financial damage from our move is done and I think we are worth $64,000, up from $50,000 at the very start of the year. It's hard to say what our monthly expenses are because we bought a bunch of things on our normal shopping trips that should not recur quickly (e.g., spices, new kitchen equipment, a trash can, a vacuum...) but I don't know if there is enough year left to get to $100k. We shall see.

[Hirondelle]

Just got my salary and hit 20k for the first time today! Extra big jump this month as May means I get vacation money and I got a refund from my landlord.

Oct 2017 EUR 13400,-
Nov 2017 EUR 13900,- (+500)
Dec 2017 EUR 14300,- (+400)
Jan 2018 EUR 16000,- (+1700)
Feb 2018 EUR 17050,- (+1050)
Mar 2018 EUR 17300,- (+250)
Apr 2018 EUR 18600,- (+1300)
May 2018 EUR 21200,- (+2600)

[Serendip]

Goals! heading towards 40,000 this summer.
 I am self-employed and my income varies greatly month to month but would love to reach that number by the end of August as well as saving up for a trip in September.

Dec 18/17    18,146
Jan 19/18     23,607
Feb 20/18     27,000
Mar 31/18     29,008
Apr 19/18     30,100
May 29/18    35,030

[Slanhirn]

Thanks for the shout-out @Trifele ! :)

Here are the numbers for this month:

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 (received an inheritance)
06.2018 - £33,386 = + £1,609

Assets = £45,367
Student loans = (£11,981)

[Steeze]

Count us in!

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

June 1 2018 - $60,028

[JAYSLOL]

About to close out May by hitting the 70k mark.  Not bad, I'm up more than 25k from this time last year.  Plan was to attempt to get to 100k by the end of 2018, but that's not looking likely, should get pretty close though unless the market tanks. 

[ingrownstudentloans]

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)
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 $100,519.07 (in IRA/401K/Taxable accounts....see you all on the other side)

[lexde]

Hi 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!

[removed NW graph for quoting]

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 — hit $20k milestone!

[zeli2033]

End of May update

10/31/17: $7,686
11/30/17: $18,654
12/31/17: $24,407
1/31/18: $35,314
2/28/18: $42,150
3/30/18: $45,528
4/30/18: $48,294
5/31/18: $51,805

[LittleWanderer]

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

Another small increase, but hey, I'll take it.  I paid a big dental bill this month, moved, paid extra rent, and still managed to improve the ol' net worth.  Back to normal saving next month!  I'm ready for these big expenses to be done for the year.  (Uhhhh, knock on wood.)

[repman]

Nov 2017     65.000€
Dez 2017     69.000€  a frugal month and a christmas paycheck !
Jan  2018     73100€
Feb  2018     74100€
Mar  2018     57300€  some expanses and bad investment decisions
Apr 2018      58800€
May 2018      62285€
June 2018     65500€

Don't forget to enter data into the column on the right side of the speadsheet!
https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit?pref=2&pli=1#gid=0

[Old Ball Coach]

This includes all our retirement and personal accounts for assets. It includes our credit cards, student loan, and mortgage for liabilities. It DOES NOT include our home value.

April 2018 - $52,917.42
May 2018  - $58,400.19 Nice month in the market and paying down credit cards.

[Tasse]

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

Slowing back down without tax returns and third paychecks to dump straight into investments, but I'm still pleased with this progress. I had to spend $370 on a summer class that will be reimbursed to me only after I pass, but even including that spending my savings rate was 43%.

As of this month, I have funded 10 days of not working every year forever (when calculating as generously as possible). 355 to go.

[Tasse]

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)
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 $100,519.07 (in IRA/401K/Taxable accounts....see you all on the other side)

A month earlier than your stretch goal! Congratulations!

[L2]

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!

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.

End of month NW: 56,190.70
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 March NW: 60,017.55
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 of May NW: $73,816.57
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.

[ASW]

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

This was a very spendy month.  The only saving grace was that we got our security deposit back from our previous house, and so we were still able to make progress. 

@grantmeaname: Sounds like we are in a pretty similar situation.  I hope the financial damage from my move is mostly done as well.

Current projections have me around $98.5k at the end of the year, with a flat stock market.  So we'll see.   

Congrats to @ingrownstudentloans!

[peppermint]

01/2018: $40796.81
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.

[lexde]

01/2018: $40796.81
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.

Comparison is the thief of joy. :-)

Congrats on breaking 50k!! That’s super exciting!

[snoot]

December 2017     65,258.51
January    2018     67,602.61   (+2344.1)
February  2018     72,789.82    (+5187.21)
March      2018     75,413.54    (+2623.72)
-----
June        2018      77,260.29   (+1846.75)

I missed posting for a few months, but jumping back in now!

[vertkurt]

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
All investment values

[zygote]

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!

3/18: $48,533.91
4/18: $53,215.13 (+4,681.22 - extra paycheck)
5/18: $55,433.65 (+2,218.52)
6/18: $57,041.95 (+1,572.27)

Not as much progress I would like this month. I booked some flights and rental cars for this summer, and various life crap had me eating out more than last month.

Oh well, onwards and upwards.

[Svoboda]

Dec 17: 37,449
Jan 18: 40,439
Feb 18: 42,796
Mar 18: 44,219
Apr 18: 42,188
May 18: 46,097
June 18: 49,516

[peppermint]

01/2018: $40796.81
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.

Comparison is the thief of joy. :-)

Congrats on breaking 50k!! That’s super exciting!

Thanks lexde! Good luck on your financial journey too :)

[katthjul]

EOY 2014: €0
EOY 2015: €16,728
EOY 2016: €41,467
EOY 2017: €64,929
Jan 2018: €67,989
Feb 2018: €69,128
Mar 2018: €66,962
Apr 2018: €72,421
May 2018: €75,002

Have had a few large purchases this month. Also putting away money for a trip later this year.

[dutty]

I've just returned from a 2 week holiday in Japan, so high expenses and low earnings last month.

05/17   £1020
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%)

05/18  £50,200 (-£416 ~ -1% )

[Nederstash]

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

I can smell the stables!

[martyconlonontherun]

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 to 65k, 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.

Beginning June 2018: $23.2k - Investments ~$50.1k

[Jim Fiction]

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.

[UnexpectedExpenseExpector]

Cleaning up the tracking a bit since it was quite extensive.

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
Feb: 39,863.96 (Acquired new to us mini-van at low end of our price range and at low end of mileage for vehicles in our price range)
Mar: 44,139.97
Apr: 44,650.91 
May: 48,082.98 (Awesome month for the networth despite getting to pay rent on two places and waiting on the return of one security deposit. Thank you Mr. Market!)


We had a bit of a crazy April and May so this will be a double post due to my missing the April post.  In April our landlord let us know he wanted to sell the place we were in so renewing the lease again would not be an option.  Unfortunately our lease was set to end July 31st and baby #3 is expected July 16th.  Thankfully our landlord was cool with us moving out early.  We took the opportunity to move closer to work and cut my commute down from about 20miles to 3.5 miles. I'm planning on fixing my "what do you mean you don't have a bike" problem soon to take advantage of the now bikeable commute.

We also cut our cell-phone bill down from $90/month to $30/month for pretty much the same exact service we had before.  I love finding an extra $720/year in a budget that I already consider pretty low. So I'm looking forward to seeing some of the effects of that and the vastly reduced commute to the cash flow going forward.

Congrats Jim Fiction on your new arrival!  Hopefully she continues to do well! 

[grantmeaname]

I just found out my employer lets me make nondeductible 401(k) contributions after I have filled my tax advantaged space! I can only put in up to 25% of my salary and haven't worked here all year so it won't matter this year, but it could be good news for next year. Mega backdoor Roth, here I come!

[lexde]

Hi 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!

[removed NW graph for quoting]

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 — got an hours bonus this month which helped a lot. Aiming for another one next month too.

I have a really big vet expense coming up at the end of the month (~$4,000) so my net worth is going to tank. But that’s part of the journey, so onward and upward!

[aoedae]

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!

[dutty]

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!

Definitely not from your accounting side hustle :)

[paulkots]

Joining so I can track myself. Amount will jump around because of quarterly tax prepayments.

11/26/17: $47,707.48

Beginning of the year was a disaster but parting out a project car and selling another fun car helped.

06/22/18: $72,953.75

[StacheyStache]

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...

Hey guys,

Thought I'd update here as I'm about to graduate from this thread. 

House down payment savings up to 53k
Pension up to 16k
And...I cover this in my journal but I found out I had a surprise Roth IRA that has grown to 30k.  This was entirely funded by my parents who secretly matched every dollar I made as a minor and put the money into a Roth IRA for me.  I had no idea this existed and won't be touching it.  Amazing parenting FTW.

Total:  99k

Feels like I cheated a little bit but there you go.  Next month I'll see y'all on the other side!

[Hirondelle]

That's an amazing gift and 30k is a shitload of money! How long has the account been just sitting there?

[StacheyStache]

That's an amazing gift and 30k is a shitload of money! How long has the account been just sitting there?

Apparently since I started working, which would have been 15.  14 years. 

[ASW]

Wow, that's awesome - what a cool surprise.  I'm a parent of young kids and this motivates me to do something similar some day.  Congratulations on graduating!

[Hirondelle]

It's payday, so time for an update:

Oct 2017 €13.400
Nov 2017 €13.900 (+500)
Dec 2017 €14.300 (+400)
Jan 2018 €16.000 (+1700)
Feb 2018 €17.050 (+1050)
Mar 2018 €17.300 (+250)
Apr 2018 €18.600 (+1300)
May 2018 €21.200 (+2600)
June 2018 €23.300 (+2100)

Tax return helped me heavily this month.

[Bayou Dweller]

I'm sitting just at 70. I didn't think I was going to get to participate this year, but I ended up maxing out my pre-tax accounts so this is exciting! I don't think I'll be able to actually hit 100k by the end of 2018, but I'll be damn close :)

[smaze]

Hey nice work everyone. I'm hopping on the bandwagon. My partner and I have been digging out of a deep student loan hole, and we've just recently hit the positive numbers :) We're currently renting, working on two ~50k salaries. Here's the last few months progress...

2/2018: -$3,956.00
3/2018: -$1,526.17
4/2018: $961.90
5/2018: $5,456.04
6/2018: $10,385.47

[Steeze]

Count us in!

May 2018: $55,766

June 1 2018 - $60,028

July 1 2018 - $66,306


Nice to see you here smaze, good luck! And nice job getting out of the SL hole!!!

[Serendip]

Dec 18/17    18,146
Jan 19/18     23,607
Feb 20/18     27,000
Mar 31/18     29,008
Apr 19/18     30,100
May 29/18    35,030
June 28/18   36,700

Slower savings month due to vacation and time off in May--but totally worth it :)
Have multiple health costs upcoming in July so hopefully will be able to save on top of paying those. Might pick up some extra shifts to see what I can do..

[lexde]

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 — Dog tore her ACL (CCL in dogs) which was a $5,000.00 vet bill between diagnosing the leg and getting the surgery. Luckily, I managed to stay over $20K NW so my progress didn't take a huge hit. I put the expenses on a 0% APR for 12 months card, so I can still chip away at my student loans at 6% without having to worry about the vet bills for now. I have enough in my e-Fund to cover them, so it's nothing I'm worried about for right now.

[Tasse]

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

My only disappointment in this number is that I didn't manage to continue numerical alliteration by gaining $1.1k. If I really stretch for it, I may be able to hit $20k next month.

[ASW]

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

Got a big bump from moving expense reimbursements, but purchased a new bike (it's too hilly here to keep commuting on my single speed). 
Current end of year projection: $99,155.  C'monnnnnn stock market.

[katthjul]

EOY 2014: €0
EOY 2015: €16,728
EOY 2016: €41,467
EOY 2017: €64,929
Jan 2018: €67,989
Feb 2018: €69,128
Mar 2018: €66,962
Apr 2018: €72,421
May 2018: €75,002
Jun 2018: €77,356

My investments hit one million kronor (not euros) this month!

[Lelyy]

December 31, 2017- $25,583
March 31, 2018- $30,379
June 30,2018- $37,950