Race from 10 to 100k!!

[LittleWanderer]

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.

[Mattrim]

6/30: 5828.16$
8/1:   15412.83$ (+9586.67$)
8/31: 19351.65$ (+3938.82$)
9/31: 25450$ (+6099$)

Goal 12/31: 37500$ 40000$ (requires about 4500 4850$ each month)

Amazing to see the progress everyone is doing! Remember to update the spreadsheet: https://docs.google.com/spreadsheets/d/1aBcGP8d7UD2oJif5IMSY9xmi8sIcRWKYRUswL1FE-ZM/edit?pref=2&pli=1#gid=0

[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
Aug 18: 57,668
Sep 18: 62,740
Oct 18: 64,747

[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.

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

September Notes

Halfway there! Wish my progress could be this good every month! I get paid once per month on the 1st, however my October check was deposited into my account yesterday so I wound up with a two paycheck month.

[ASW]

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.

Thanks! I’m fortunate to have a good income, low taxes, and a SO who is on board, which begs the question of where all that money has gone in the years prior to this one.  Oh well, here’s to a prosperous future for all of us!

[Tasse]

Welcome @Spruit! And congrats @LittleWanderer and @lexde for hitting new 10k markers!

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

And that's including paying a new housing deposit before (hopefully) getting the old one back! Shooting for $25k by the end of the year, and hoping the international trip in December doesn't impede that goal too much.

On the subject of the difference MMM makes... I started grad school in August 2015. First year, I saved $1,600. Second year, I saved $5,800, which I thought was pretty impressively frugal. Third year, I discovered MMM, got a $3k raise, and saved almost $14,000, representing 42% of my income. It's weird how much of this seems obvious now that wasn't obvious such a short time ago.

P.S. Upon entering my info into the spreadsheet, it appears that this month represents exactly double my NW at the start of 2018. (In the record above I've tracked the ends of months, so the Dec 17 number is also the January 1st 2018 number.) I was hoping to double it within the year and I'm blowing that goal out of the water. Onward!

[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
8/1/18= 34,642
9/1/18= 37,413
10/1/18=41,426

[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
July 2018  - $65,798.53
Aug 2018 - $72,231.70
Sept 2018 - $76,755.71

Our credit card debt is now down to about $7,000. We are rocking those things. Once those are paid off, we will be able to really start piling money into are retirement accounts. Probably will be able to make it to $100k by about March.

[L2]

End of July NW: 84,495
End of Year projected NW: 104,324

End of August NW: 88,430.58
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.

[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
Aug 18: 82665
Sep 18: 84098
Oct 18: 85029

Bit slower, but for a good reason. I've been pressuring my parents to let me repay a loan to them. I borrowed some money when I was doing 2 Master degrees at the same time and not working. My parents wrote it down and told me to forget about it until they both passed and it'd be subtracted from the inheritance. Very nice, of course, but it's been niggling in the back of my mind for years. Now that my parents are retired, they're careful with money because they don't know if/when it will run out (it won't, I'm sure! Try telling them that). So after months of bartering, they're letting me pay it back. Poor souls feel bad about it too. Sometime's they're too good for this world.

I'm paying it back a couple hundred euro a month, so progress will be a bit slower. On the other hand, my house value flew up, I could easily add 50k networth, but I'm careful, the bubble might burst! And the value is completely intangible right now, so no use to me to inflate my numbers.

[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
08/2018: $55622.63
09/2018: $62036.49
10/2018: $64543.48

Feeling good about the gain! I have some big medical bills coming up this month, which will slow things, but hopefully it will continue being a net positive.

[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)
8/18: $63,816.19 (+4,062.70)
9/18: $70,101.27 (+6,285.08 - extra paycheck)
10/18: $73,538.91 (+3,437.64)

[JCGreen]

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!

Sep2018: $23,645
Part of me was really excited to show this number, as I am proud. The other part was disappointed I didn't save more.

This month I saved nothing for my replacement car goals, as I spent about $500 (not completely unexpected) on the car. Seeing as October 1st started with me in the ER by 2 a.m. (I am fine, don't need any sympathy), I don't think October will see much for gains either, as my HSA might lose some money.

That being said, all my bills are paid, I am in relatively good health with great friends, and because most of my savings are automated, I still picked up $800 worth of net-worth.  I am doing better than my former self, and probably most of the US adult population.

[arob54600]

Hey ya'll just checking in for End of Last month.

November 17-  41195
December 17-  42526
January 18-     47966
February 18-   47104
May 18 -         48521
July 18 -         53000
August 18-     55866
End of September - 57315

I'm just plugging right along, see ya on Halloween :)

[philli14]

Popping in here! Added some numbers to the document.

Didn't really track my NW before graduating from grad school, but have data from when I started my first job.

Sitting at ~53k currently.

Goal is 100k NW by end of 2019, stretch goal is 100k NW by my 26th birthday at the end of June.

Looking forward to be inspired by others and work hard towards this goal!

[TheLonelySaver]

Date              Investment          Change
01.12.2016    CHF 12'570.00     CHF -   
01.12.2017    CHF 46'206.35     CHF 33'636.35
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
01.08.2018    CHF 70'736.49     CHF 4'224.12
01.09.2018    CHF 79'519.64     CHF 8'783.15
01.10.2018    CHF 84'451.87     CHF 4'932.23


I think I am on the right track - goal is to reach 100k by end of this year!

[MommyCake]

Investments only:

9/4/18     73,600
10/4/18   75,950

Goal is 100k by June 2019.  Going to have to increase deposits to reach this.   

[paulkots]

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..

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.

[daveed]

Dang. Wish I would have found this thread sooner. 'bout to graduate to the next tier in either October or November!!! Small back of my mind wonders if market will crash and we'll become 100,000endaires more than once.

Includes all assets minus debts.
Don't have a mortgage - we're renters.
Paid of student loans in April 2017 January of 2018 and been racing up to 100k since.
Dates are last business day of the month.
We're DINKs in Michigan.

Assets include everything -> 401k, 2 IRAs, Taxable Investment Accounts, Cash, KBB value of car, etc...


4//2017   -$2,713.29
5//2017   $4,467.35
6//2017   $7,677.51
7//2017   $14,094.98
8//2017   $16,123.51
9//2017   $23,571.20
10//2017   $29,074.90
11//2017   $34,568.05
12//2017   $39,806.77
1//2018   $48,241.04
2//2018   $49,996.65
3//2018   $56,085.81
4//2018   $63,255.00
5//2018   $66,697.10
6//2018   $76,679.78
7//2018   $80,208.54
8//2018   $90,223.82
9//2018   $94,688.74

[grantmeaname]

:O that's awesome - 100k in a year and half is super impressive.

[iTellStories]

Aug 1, 2017: $31,378
Sep 1, 2017: $33,723
Oct 1, 2017: $37,296
Nov 1, 2017 $42,930
Aug 3, 2018: $62,456
Sep 3, 2018: $66,859
Oct 3, 2018: $71,340

I've got most of October and November off from work and will travel Quιbec and France, so my gains will probably be slow for the next few months.  Hoping to break $80k by the end of 2018!

[Slanhirn]

Tracking net worth.

EOY 12.2017 - £4,360
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
08.2018 - £36,571 = + £1,485
09.2018 - £38,818 = + £2,247
10.2018 - £40,083 = + £1,265

Assets = £50,500
Student loans = (£10,417)

[dutty]

12/15 -£2,610
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% )


It's tempting for my ego to treat this thread as more of a competition than anything else, but I really want to try hard to treat it as a way to support each other with keeping consumption in check.

[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€
July 2018      71538€
Aug 2018      76500€
Sep 2018      78600€
Oct 2018      81500€

Goal: 100.000€ in April 2019

Retire:
plan:      3\1\2025     24 x Living Expanses(year)
is:          now            6,7 x Living Expanses(year)

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

[UnexpectedExpenseExpector]

Here is my update:

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!)
July: 56,756.98 (Welcome Baby #3)
August: 63,139.77
September: 63,038.31 (Welcome Baby #3 medical bills)
...
2018 Dec: 68,000 (GOAL)
...
2019 Jul: 100,000 (GOAL)

Last of the medical bills for Baby #3 arrival taken care of.  Happy to have managed to keep the networth above 63k despite dropping $4800 on the medical bills.

December goal is looking like it will be knocked out early provided the market doesn't tank. 

Onward!

[Cezil]

Dec-16: $32,870.70
Dec-17: $58,271.55   (+ 25,400.85)
Jan-18: $65,122.37   (+ 6,850.82)
Feb-18: $67,352.98   (+ 2,230.61)
Mar-18: $66,410.59   (- 942.39)
Apr-18:  $65,337.11   (- 1,073.48)
May-18: $68,032.74   (+ 2,695.63)
Jun-18:  $68,405.97   (+ 373.23)
Jul-18:   $70,232.18   (+ 1,826.21)
Aug-18: $72,016.38   (+1,784.20)
Sep-18: $73,657.42   (+1,641.04)

[zeli2033]

Mid-October Update

8/31/18: $12,784
9/17/18: $14,547
9/28/18: $$22,476
10/15/18: $24,956

[grantmeaname]

I'm at $75k today. Next month is going to be expensive so we will see if we can keep the good news going, but hopefully we can end the year at least at $80k. Graduation is in sight!

[QuillScroll]

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

[Trifle]

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!

Welcome @jmswtc!  That is very cool, that you get to track from the first day of your first FT job.  You're socking it away nicely, and at your age time is sooooo on your side.  :)   

[UnexpectedExpenseExpector]

Mirroring what Trifele had to say.

Welcome @jmswtc , you are crushing it for your age!

[Dgibs]

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 of Competition Motivation.

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!

[Hirondelle]

Jan 2018 €16.000
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)
July 2018 €24.400 (+1100)
Aug 2018 €25.700 (+1300)
Sept 2018 €26.100 (+400)
Oct 2018 €26.100 (+0)

Market's been dropping :( :( My investments are now lower than the amount I actually contributed over the past year. Oh well, part of the game I guess.

[Dgibs]

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 of Competition Motivation.

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.

[paulkots]

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.

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.

[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
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

Just changed jobs. I didn’t work for 3 days, and then joined the new job on an off week so I got my first biweekly paycheck after working for 3 weeks so I effectively did not get paid for a week and a half this month. It will be made up quickly, but my net worth went down this month as a result. :-/

[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€
July 2018      71538€
Aug 2018      76500€
Sep 2018      78600€
Oct 2018      81500€
Nov 2018      83980€

Goal: 100.000€ in April 2019

Retire:
plan:      3\1\2025     24 x Living Expanses(year)
is:          now            6,7 x Living Expanses(year)

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

[zeli2033]

End of October 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

[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
August 2018 - $19,246
September 2018 - $20,031

October 2018 - $19,301

The market + a big dental bill means I went down this month.  :(  I guess that means I'll just get to break the $20K barrier again in November!

[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
Jul 18	$20.2k
Aug 18	$20.8k
Sept 18	$22.2k

Oct 18: $21.7k

I saved about $900 this month and "lost" about $1400 in the market. First negative-progress month since I started MMM, but that's okay. Moving and a lot of eating out this month pushed my savings rate down to 38% from my target of about 45%.

[philli14]

Rough end of the month for the investments... still managed to save 4k which more than offsetted market losses.

Up to 56223.52/100,000

Depending on market, would be great to close out the month sitting around 65k. Fingers crossed!

[grantmeaname]

Stocks are on sale! Buy buy buy!

[Steeze]

Count us in!

May 2018: $55,766

June 1 2018 - $60,028

July 1 2018 - $66,306

Aug 1 2018 - $74,667

Sept 1 2018 - $83,868

Oct 1 2018 - $93,108

Nov 1 2018 - $93,084

Rough one for the portfolio, also bought tickets for holiday travel, breaking even on the month.
Try to hit $100,000 next month (again)

[Steeze]

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 of Competition Motivation.

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.

@Dgibs 

However you want to calculate it is the best :) many different opinions on the subject. Most important I think is to be consistent in your methodology over time

Personally I would do something like:

A: Equity (down payment + principal payments to date) + Savings - Debt (excluding mortgage)
or
B: Home value at purchase + Savings - Debt (including mortgage)

Not a big fan of:

C: Estimated value of home + Savings - Debt (including mortgage)

Reason being, if I go out and purchase a home, moving 100k from my savings into a mortgage, nothing really changes in my net worth, i have debt equal to the value of the home less the equity I just put into it. They only real change in my net worth in that transaction is the fees I spent on closing costs.
 
I would personally just update my net worth up or down when I sold my home. This keeps month / yearly savings rate calculations more straight forward.

[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)
8/18: $63,816.19 (+4,062.70)
9/18: $70,101.27 (+6,285.08 - extra paycheck)
10/18: $73,538.91 (+3,437.64)
11/18: $69,595.61 (-3,943.30)

My spending was pretty high this month. I renewed my annual gym membership, paid a deposit for a trip I'm taking next year, and also had some vet bills for my sick guinea pig (she passed away this morning :( ).

However, the loss in net worth is due to the market. If it had stayed steady throughout the month, I would have still been up a few hundred dollars. That's pretty comforting that in a month where I had to spend way more than usual due to some big, periodic expenditures (which were planned and saved for), I still brought in more than I spent. The stocks have plenty of time to go back up so I'm not worried about it. I'd be more worried about it if my spending were the issue.

[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
July 2018  - $65,798.53
Aug 2018 - $72,231.70
Sept 2018 - $76,755.71
Oct 2018 -  $64,348.89

The market downturn really crunched our 401k and 403b. They are down about $13.5k in October, but our saving and paying down of debt was excellent again.

Our total credit card debt is down to about $5,500 and will be under $4,000 by this time next month with my second half of my coaching check. Things are looking up overall! YNAB has REALLY been a huge help for me for planning and budgeting for future expenses and sinking funds.

[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
8/1/2018:   $85,858
9/1/2018:   $90,137
10/1/2018: $93,806
11/1/2018: $89,537

First down month since starting and it doesn't feel great.  Saved about $2200, but couldn't offset the correction.  Oh well, on to November.

[L2]

End of July NW: 84,495
End of Year projected NW: 104,324

End of August NW: 88,430.58
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 October NW: 92,808.68
End of Year Projected NW: 103,981.71

Bleh stock market.

[Candace]

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!

That's the spirit. It IS a success. Great work.

[daveed]

4//2017   -$2,713.29
5//2017   $4,467.35
6//2017   $7,677.51
7//2017   $14,094.98
8//2017   $16,123.51
9//2017   $23,571.20
10//2017   $29,074.90
11//2017   $34,568.05
12//2017   $39,806.77
1//2018   $48,241.04
2//2018   $49,996.65
3//2018   $56,085.81
4//2018   $63,255.00
5//2018   $66,697.10
6//2018   $76,679.78
7//2018   $80,208.54
8//2018   $90,223.82
9//2018   $94,688.74
10//2018 $92,946.34 

-- October was rough. Paid for a $2200 conference out of pocket for work and will get reimbursed in November. Add that to market correction & paying for car insurance this month, and, ouch. $-1700 for the month. First time NW has gone down since November of 2016. Crazy. Without the conference expense NW would have gone up about $500 for the month. Crossing fingers and hoping for a big November month. If market goes up and I get reimbursed we should hit the magic $100k mark.

Other update -- maxed out all tax sheltered accounts (IRAs, HSA, 401k) for 2018 and are now saving up cash money at Ally for a down payment on a house in 2019!! Plan to buy a 2-3 bedroom and renting out extra room(s) on AirBnB. Not the best timing for maxing out accounts as I'm having a very hard time not throwing our down payment money into the market. But since we're looking at buying something in April or May 2019 seems like a very short timeframe to try and time the market. Risk < reward in this case.