Race from 10 to 100k!!

[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

[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
7/1/18= 31,457

I got a new job offer at double what I make, so will be moving across country to California, currently in Nashville, next month. With the double in salary, my investment contributions will also double as well. Exciting stuff...

[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
June 2018 - $59,686.34

Keeping on the slow and steady path. Working on what's left of our credit card balances now. Hopefully they will be paid off within the year. That'll feel really good.

[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.

End of June NW: $79,230.50
End 2018 Projection: $103,811

Fell just short of my goal that I didn't mention on here of $80k for this month. Market being meh and realizing Mint was double counting my HSA were big contributors -_-

[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
07/2018: $56155.54

[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
July 18: 53,589

[Trifle]

Nice job everyone!  Showing some good steady progress.

@Svoboda and @peppermint -- you both had some large gains this month -- Sweet!

[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)
7/18: $59,753.49 (+2,711.54)

Happy with June's progress, especially since I know this month will take a hit due to some expected vacation expenses.

[SansSkill]

January: €3068.76
February: €3965.75
March: €4758.99
April: €7103.66
May: €7508.32

June:
Checking account: €1902.13
Emergency Fund: €5000.00
Amortization Fund: €64.18
Goal Fund: €0.00
Investment: €3102.06
Total: €10068.37

A new challenger approaches!

So quick explanantion regarding splitting of assets:
Checking account and emergency fund is self-explanatory, should add that the latter is full.
Amortization fund is where I save monthly for non monthly regular bills (e.g. put 1/12th of every yearly bill, 1/6th of every biyearly bill etc.)
Goal fund is where I save for well, goals. Current goals are a one time €3-5k to do some experiments with a couple of active trading strategies as well as option trading. Who knows, maybe I'll beat the market consistently, or more likely I'll underperform and lose (a bit/some/a lot/all) money and will be my own example of why passive > active. After that I'll start saving for a house, probably, though I've been increasingly considering renting for at least the medium term as the math seems to favor it.
Investment is my investment account containing my very elaborate and carefully chosen portfolio of one vanguard world stock index fund as well as a literal couple of cents cash because they round mutual fund orders down about half the time.

The rest of the year and next year are really volatile for my financial position, I know for certain I won't need my EF but income is going to be weird so I might not be able to invest as much.

[grantmeaname]

Welcome to the party, SansSkill! Hope we get to hang out in this thread and many of its successors up the ladder :)

[dutty]

This month I learnt that lesson about loaning money to "friends", it's funny because you would have thought that I could learn that lesson through the mistakes of those that have come before me. Alas, I had to see it for myself. A decent month has been neutralised but we just gna roll with it.

05/17   £1020

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%)

06/18  £49,940 (-£260 ~ -0.5% )

[gpyros85]

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!

[TheLonelySaver]

An update after ~6 months but still on track :)

Date              Investment        Change
01.10.2016    CHF -      
01.11.2016    CHF 10'900.00     CHF 10'900.00
01.12.2016    CHF 12'570.00     CHF 1'670.00
01.01.2017    CHF 14'381.50     CHF 1'811.50
01.02.2017    CHF 16'237.36     CHF 1'855.86
01.03.2017    CHF 19'749.23     CHF 3'511.87
01.04.2017    CHF 20'917.28     CHF 1'168.05
01.05.2017    CHF 21'547.08     CHF 629.80
01.06.2017    CHF 22'027.74     CHF 480.66
01.07.2017    CHF 28'622.42     CHF 6'594.68
01.08.2017    CHF 32'055.63     CHF 3'433.21
01.09.2017    CHF 33'500.02     CHF 1'444.39
01.10.2017    CHF 35'570.74     CHF 2'070.72
01.11.2017    CHF 41'688.57     CHF 6'117.83
01.12.2017    CHF 46'206.35     CHF 4'517.78
01.01.2018    CHF 48'263.15     CHF 2'056.80
01.02.2018    CHF 48'614.85     CHF 351.70
01.03.2018    CHF 47'185.76     CHF -1'429.09
01.04.2018    CHF 49'788.61     CHF 2'602.85
01.05.2018    CHF 52'135.13     CHF 2'346.52
01.06.2018    CHF 62'352.52     CHF 10'217.39
01.07.2018    CHF 66'512.37     CHF 4'159.85

[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
Jul 18: 82825

Bah, slow month

[Serendip]

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!

Congrats @gpyros85 !

[Slanhirn]

Tracking net worth.

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
07.2018 - £35,086 = + £1,700

Assets = £47,067
Student loans = (£11,590)

[Mattrim]

Me and DW just hit positive numbers two months ago (disregarding house value). Current NW is 5828$, but I expect to pass 10k during this month due to extra payment from work. I'll be tracking my progress here :)

June 30: 5828.16$

We're paying down quite aggressively on our mortgage and hope to be able to be dept free next spring (expect a small student loan with very low interest). I know paying down the mortgage is not the optimal thing to do in the sense of ROI, but after long discussions (and being so close to killing it once and for all) we really want to just do it! We're also expecting our first child this Autumn, and being free from the mortgage would give us the additional security to take unpaid leave from work.

Current assets are mostly in index funds and in a special Norwegian savings account for saving for an house purchase (An incredibly good deal, with interest rates at 3.5% and 20% of yearly deposit back on taxes)

BTW. I tried to add myself to the spreadsheet, but not sure if I did it correctly. Right now I'm all the way to the bottom :P

[repman]

Welcome Mattrim to the race, your spreadsheet entry is just fine

cheers

repman

[UnexpectedExpenseExpector]

Congrats @gpyros85 !

Welcome @Mattrim  !

Great progress everyone else!

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!)
June: 52,774.50  (Cue up the Bon Jovi!)
...
2018 Dec: 68,000 (GOAL)
...
2019 Jul: 100,000 (GOAL)

Pretty solid month for networth.  We got our full security deposit back from the old place so that was nice!  We're expecting baby #3 any day now so number is padded a bit by the cash pile for hospital bills in August.  I also added myself to the spreadsheet.  Hopefully I did it correctly!

[Bayou Dweller]

Just hit 80k NW!

I previously didn't think I'd be able to hit 100, unless the market crashes tomorrow I might make it. And honestly I wouldn't be mad if it did.

[twistedfirestarter]

£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 ($98,893)

Missed a few months but here is my update, I told the internet in March that my plan was to hit $100,000 this month but alas, I am $1,107 short. Might as well just give up on this fire idea

I have another confession, I’ve started overpaying on my mortgage, I know I shouldn’t but Mrs Twisted is so much more interested in frugality when the money is going towards being mortgage free rather than something which is still decades off.

[zeli2033]

Mid July update (also missed June, so updating that end of month number as well).

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
6/30/18: $56,630
7/13/18: $58,281

[grantmeaname]

I'm not hitting $100k this year because I just realized that my bonus for the year is paid out early next year. Be interesting to see how close I can get without it though - hopefully within $10k or so.

I think we are at $63k today.

[Alf91]

I'm just over $93,000! I can hardly believe I'm almost at $100,000. :) :) :)

[Trifle]

I'm just over $93,000! I can hardly believe I'm almost at $100,000. :) :) :)

You're almost there @Alf91!  Well done!

[MrUpwardlyMobile]

I'm just over $93,000! I can hardly believe I'm almost at $100,000. :) :) :)

 The last 7k comes easier than the first 7k. You’re crushing it.

[PassMMM]

New to the thread here. Currently at $75k NW. Hoping to hit $100k by the end of the year (will prob depend if I get my bonus in December or Jan/Feb). Keep up the good work everyone!