Race from 10 to 100k!!

[Dutch Comfort]

OK, I'm starting with a new spreadsheet and new definitions. However, the outcome is in the same range......

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

August 2022: EUR 45,309

Goal for 2022: EUR 50K

The month was full of back to school spending, paying the yearly school fees and DS starting a new sport, so we bought his sports gear and paid his yearly fee to the club.
Hopefully September will be a lot better and I can get to my goal for this year (still hoping for a year end bonus from my employer.....).

[LittleWanderer]

August 2021 - $66,248
September 2021 - $64,221
October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137

August 2022 - $67,643

Really kind of sad to look at how much I've bounced around in the same spot for the past year, but I guess that's just how these things go!  I've been contributing the same amount in the market, but I really need to buckle down and save more cash too. 

[triple7stash]

Tracking investing in SPN (which doesn't include roth)

12/28/2020 - $62,783
1/28/2021 - $67,335
2/28/2021 - $69,404
3/28/2021 - $71,869
4/28/2021 - $77,861
5/31/2021 - $79,885
6/30/2021 - $82,843
7/28/2021 - $85,130
8/29/2021 - $87,558
9/30/2021 - $87,127
10/28/2021 - $92,699
11/28/2021 - $95,021
12/28/2021 - $96,703
2/2/2022 - $93,977
2/28/2022 - $91,712
3/28/2022 - $96,748
4/28/2022 - $90,642
5/28/2022 - $91,036
6/29/2022 - $89,116
7/28/2022 - $92,360
9/1/2022 - $92,750

[comicguy]

August update:

01/26/22  Round Up 642.33    Investment  9911.44  Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26 Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64 Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97

[Serendip]

Really kind of sad to look at how much I've bounced around in the same spot for the past year, but I guess that's just how these things go!  I've been contributing the same amount in the market, but I really need to buckle down and save more cash too.

I feel you @LittleWanderer --I just have to accept that this year has not played out as I hoped/anticipated..however it's all still very much okay and I've actually had a few great trips so can't feel down about it.

[Serendip]

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746

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

Jan '21    65,400
Feb '21    67,600
Mar '21    68,750
Apr '21    72,858
May '21   75,068
June '21  77,013
July '21   79,020
Aug '21   82,801
Sept '21  81,077
Oct ‘21   83,500
Nov ‘21   82,700

Dec ‘21   84,800
Jan '22   83,500
Feb '22   86,900
Mar '22  88,775

Apr '22  78,000 **

Aug '22  83,006

** This was a a big hit but then I've bounced around up and mostly down. Need to assess where I can be more diligent,  I've been travelling and spending willy-nilly so I can't point the finger anywhere. Would like to at least bump this up a few thousand by the end of the year as well as pay $5000 in tax instalments. Finances haven't been a priority for the last year or two and it SHOWS :)

[M5]

8/11/22: $95,366
9/7/22: $90,774 (-4592)

Smaller balance is all due to the current market.

[TyGuy]

Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
06/01/22: $21,456
07/01/22: $21,456
09/01/22: $21,456 (These will disappear at the end of the month as I qualify for $20,000 in forgiveness!)


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)

I did not post an update for August, but glad to be moving upward once again! I will likely move onto the next thread in the next month or two when my student loans are forgiven, but I am excited to finish the year strong with few planned expense in the forecast.

[Turtle]

Congratulations @TyGuy - that's great!

[triple7stash]

Tracking investing in SPN (which doesn't include roth)

12/28/2020 - $62,783
1/28/2021 - $67,335
2/28/2021 - $69,404
3/28/2021 - $71,869
4/28/2021 - $77,861
5/31/2021 - $79,885
6/30/2021 - $82,843
7/28/2021 - $85,130
8/29/2021 - $87,558
9/30/2021 - $87,127
10/28/2021 - $92,699
11/28/2021 - $95,021
12/28/2021 - $96,703
2/2/2022 - $93,977
2/28/2022 - $91,712
3/28/2022 - $96,748
4/28/2022 - $90,642
5/28/2022 - $91,036
6/29/2022 - $89,116
7/28/2022 - $92,360
9/1/2022 - $92,750
9/28/2022 - $85,710

[Imma]

April 2019: €10094.35
May 2019: €11629.87
June 2019: €12728.63
July 2019: €13021,33
August 2019: €10363,95
September 2019: €10338.28
October 2019: €11128.59
November 2019: €11227,46
December 2019: €11991,27
January 2020: €12576,72
February 2020: €11904,39
March 2020: €10425,32
April 2020: €11830,70
May 2020: €12154,67
June 2020: €14634,19
July 2020: €15345,09
August 2020: €16444,46
September 2020: €17108,60
October 2020: €16687,93
November 2020: €17762,62
December 2020: €19386,94
January 2021: €20649.69
February 2021: €22021,64
March 2021: €22763,55
April 2021: €23866,70
May 2021: €25689.77
June 2021: €25659.61
July 2021: €26434.48
August 2021: €28512.33
September 2021: €29243.37
October 2021: €30357,48
November 2021: €32537,78
December 2021: €33194,68
January 2022: €32912,87
February 2022: €33483,33
March 2022: €32467,16
April 2022: €33360,09
May 2022: €33804,92
June 2022: €33276,84
July 2022: €34735,50
August 2022: €36496,61
September 2022: €35576,83

Goals for 2022:
Savings: €15.000
Investments: €30.000

Frankly, it could have been worse so I'm actually not too unhappy.

I've made a big decision though. I cancelled my monthly direct debit for my investment account. First time I've done that since Jan 2016. We are doing some necessary maintenance on our house and this will cost a ton of money. The most part of it is financed at 1,8% (we managed to fix that interest rate for a long time before the rates went crazy) but we'll also have to pay some things cash. We had planned to include those purchases in our monthly budget over the period of a couple of months, but due to inflation, to be on the safe side, we're going to hoard some extra cash just in case. The month to month inflation rate in September was 17,1% here.

Building materials and other luxury purchases aren't really affected yet - I'm going to buy new shoes tomorrow and they still cost exactly the same as the previous pair in September 2020, and it seems this is a good market to buy tiles and paint etc. But general COL (groceries, public transit and especially heating and electricity) have gone up a lot. We both got a nice raise recently but it's by far not enough to even keep our purchase power on the same level as it was last year. It's only a couple of years since we were low income so luckily we still have plenty of tricks up our sleeves. We've adapted the recipes we eat frequently so our weekly shop isn't as it expensive now as it would have been otherwise.

[Tasse]

	2017	2018	2019	2020	2021	2022
January		$12.1k	$24.7k	$49.0k	$76.2k	$95.4k
February		$13.6k	$27.2k	$46.5k	$79.0k	$95.0k
March		$15.1k	$29.3k	$42.7k	$82.6k	$96.4k
April		$16.6k	$31.3k	$47.5k	$87.3k	$90.3k
May		$17.7k	$31.5k	$50.6k	$88.2k	$89.7k
June		$18.5k	$33.3k	$53.5k	$90.3k	$84.4k
July	$6.2k	$20.2k	$35.1k	$58.5k	$92.0k	$92.4k
August	$6.8k	$20.8k	$36.7k	$63.0k	$94.4k	$89.6k
September	$8.2k	$22.2k	$38.6k	$63.2k	$93.1k	$81.4k
October	$9.0k	$21.7k	$40.2k	$62.9k	$97.1k
November	$9.9k	$22.5k	$42.6k	$69.9k	$95.1k
December	$11.1k	$22.4k	$44.6k	$75.0k	$100.3k

This month was my second most expensive ever! And four trips still to go this year...

Still putting the same amount into stocks every month, at least!

[LittleWanderer]

September 2021 - $64,221
October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643

September 2022 - $64,126

[comicguy]

September update
01/26/22  Round Up 642.33    Investment  9911.44  Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26 Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64 Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41

[Manchester]

My N/W grew by £2,846.97 to a new total of £54,453.44.

My N/W grew by £1,721.56 to a new total of £56,175.

My N/W grew by £2,262.53 to a new total of £58,437.53.

My N/W grew by £3,196.03 to a new total of £61,633.56.

My N/W grew by £2,080.14 to a new total of £63,713.70.

My N/W grew by £189.35 to a new total of £63,903.05.

My N/W grew by £2,046.07 to a new total of £65,949.12.

My N/W grew by £2,489.81 to a new total of £68,438.93.

My N/W grew by £2,948.26 to a new total of £71,387.19.

My N/W decreased by £1,267.07 to a new total of £70,120.12.

My N/W grew by £73.15 to a new total of £70,193.27.

My N/W grew by £2,885.54 to a new total of £73,078.81.

My N/W grew by £5,780.77 to a new total of £78,859.58.

September wasn't pretty....

My N/W shrank by £3,114.76 to a new total of £75,744.82.

My cash accounts are actually higher than the previous month, but my pension and other investments took a big hit.  This figure is from 22/09.

The new period of high inflation certainly seems to be marking the end of the golden years for investing (following the '08 crash) - fortunately, it should be a good couple of years for all of us in this thread who can buy stocks a little cheaper.

[TyGuy]

Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
06/01/22: $21,456
07/01/22: $21,456
09/01/22: $21,456
10/01/22: $21,456 (These will disappear at the end of the month as I qualify for $20,000 in forgiveness!)


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)


Loving the continued sale as I wont be retiring for several more years!

[Imma]

Yes, I think we've now entered a period of difficulty that will last a while with several factors that aren't helping to get us out of this position. Inflation was 17,1% here in September.

We are extremely lucky to have refinanced our mortgage @ 1,8% for a 20-year fixed term a couple of months ago. We'll partly pay for the renovation of our house with that new mortgage and we're hoping to become almost completely self-sufficient for energy. Our student loans (we don't have a lot left, a couple of months of income) are also fixed at 0% for the next couple of years. When our fixed rate expires, we hope to be able to pay off the remaining balance all at once. For now we'll just let inflation eat away at our debts.

I suppose with the current developments in the UK, buying another house / getting a new mortgage isn't a realistic thing for you, at least not in the short term. We were joking that maybe in a bit we could finally afford our dream holiday cottage in the Yorkshare Dales but obviously, the past couple of weeks must have been extremely tense for everyone in your country. I hope the economy will settle down a bit now with the latest developments.  I imagine the political uncertainty will be far from over. The political uncertainty is just about starting here, with our government still very reluctant to act while our inflation is extremely high. I live in a working class neighbourhood with lots of badly maintained council homes and neighbours with modest incomes. I'm not sure if our government is noticing how much lower the quality of living of those people already is compared to a few years ago. Our government ministers live in nice affluent neighbourhoods, I don't think they really understand how bad things are getting for the lower classes. I've never experienced any societal tensions like this and I worked in social services during the last recession. During the last recession, only those who lost their jobs got into trouble. As long as they kept their jobs, people didn't really see the recession happening in their bank account, but everyone feels inflation in their bank account.

[Ze Stash]

Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-   137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)

01/10/2022: 55.855,44 € (- 868,56 €)

Another downward month, savings were roughly 1,3k € again. Quite happy with the savings, as we went on holiday for 2 weeks but kept it pretty frugal.

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501

January 2022: EUR 40,553
February 2022: EUR 38,767
March 2022: EUR 38,149
April 2022: EUR 40,606
May 2022: EUR 44,527
June 2022: EUR 43,915
July 2022: EUR 41,966
August 2022: EUR 45,309
September 2022: EUR 46,053

Goal for 2022: EUR 50K

Finally recovered my spreadsheet and did a recalculation using the new definitions for my total liquid funds.
We received a nice refund from the electricity and heating, since we started to save big on those by just changing some habits (and try to incorporate these habits onto our teens). I put these into savings to get through the winter, where we will have a higher bill.

Further, managed to put the same amount into stocks and still buying stocks on sale (hopefully). The dividend payments are still keeping a steady level, so it looks OK.

@Imma: I totally hear you on the refinancing. We also did one a little earlier and I'm now so happy that we did. 2.65% for another 20 years. This will definitely be eaten away by inflation in the next 20 years or so.
And I agree on the social tension. Although I live in a nice neighbourhood with a lot of relatively well-off people, I surely feel the tension in other neighbourhoods in our city on the energy prices and the inflation. Hopefully there will be some clarity in the near future.

[regenaeb]

8/21/21 - SEP + Roth $ 27,113.71
9/30/21 - SEP + Roth $ 27,063.71
10/29/21 - SEP + Roth $ 29,254.43
11/30/21 - SEP + Roth $ 30,055.54
12/31/21 - SEP + Roth $ 31,239.32

1/31/22 - SEP+401K+Roth $ 30,322.94
2/28/22 - 401K + Roth $ 30,620.77 (SEP-IRA rollover to 401K complete)
3/31/22 - 401K + Roth $ 32,862.61
4/30/22 - 401K + Roth $ 31,324.59
5/31/22 - 401K + Roth $ 32,310.61
6/30/22 - 401K + Roth $ 29,261.11
7/31/22 - 401K + Roth $ 32,205.00
8/31/22 - 401k + Roth $ 32,250.37
9/30/22 - 401k + Roth $ 29,982.81

Ouch quite a hit this past month in the market. Still buying, glad I still have several more years of funding until I downshift.

[Manchester]

Yes, I think we've now entered a period of difficulty that will last a while with several factors that aren't helping to get us out of this position. Inflation was 17,1% here in September.

We are extremely lucky to have refinanced our mortgage @ 1,8% for a 20-year fixed term a couple of months ago. We'll partly pay for the renovation of our house with that new mortgage and we're hoping to become almost completely self-sufficient for energy. Our student loans (we don't have a lot left, a couple of months of income) are also fixed at 0% for the next couple of years. When our fixed rate expires, we hope to be able to pay off the remaining balance all at once. For now we'll just let inflation eat away at our debts.

I suppose with the current developments in the UK, buying another house / getting a new mortgage isn't a realistic thing for you, at least not in the short term. We were joking that maybe in a bit we could finally afford our dream holiday cottage in the Yorkshare Dales but obviously, the past couple of weeks must have been extremely tense for everyone in your country. I hope the economy will settle down a bit now with the latest developments.  I imagine the political uncertainty will be far from over. The political uncertainty is just about starting here, with our government still very reluctant to act while our inflation is extremely high. I live in a working class neighbourhood with lots of badly maintained council homes and neighbours with modest incomes. I'm not sure if our government is noticing how much lower the quality of living of those people already is compared to a few years ago. Our government ministers live in nice affluent neighbourhoods, I don't think they really understand how bad things are getting for the lower classes. I've never experienced any societal tensions like this and I worked in social services during the last recession. During the last recession, only those who lost their jobs got into trouble. As long as they kept their jobs, people didn't really see the recession happening in their bank account, but everyone feels inflation in their bank account.

You're very lucky that you can refinance, fixed, for 20 years.  The longest options in the UK tend to be 10 years.  My fixed rate (@ 1.49%) ends September '23, so I daren't think what our UK base rate will be by then.  I'm half tempted to pay the fine for refinancing early just to try and lock in at 4%!

I think we're going to hold off moving.  We wanted to upgrade our house, but I'm worried about the uncertainty.  The plan right now is to sit tight and wait for the perfect house to come on the market.  If we see one we love, we might still go for it, but we won't rush into anything.

There's a lot of political uncertainty here.  Strikes, riots, cost of living crisis, Ukraine etc.  The new government seems completely shambolic (already making u-turns on key decisions).  But we have had that uncertainty since Brexit, so nothing new - the UK has gone bat-shit crazy in the last decade.

I think the Queen's death has had a huge impact on the entire country.  Although we all knew it was going to happen eventually, it really does mark the end of an era.  She's been the constant pillar of our culture for six decades.  People hate change and even though it won't change our day-to-day, the UK feels like a very different place now that she's gone.  The only way I can describe it is as a national identity crisis.  It feels a bit like a grandparent dying (which is crazy when you think about it lol), but people are really sad about it (the day she died there were people crying in the streets where I live!)

Crazy times... just gotta keep investing lol. 

[Manchester]

My N/W grew by £2,846.97 to a new total of £54,453.44.

My N/W grew by £1,721.56 to a new total of £56,175.

My N/W grew by £2,262.53 to a new total of £58,437.53.

My N/W grew by £3,196.03 to a new total of £61,633.56.

My N/W grew by £2,080.14 to a new total of £63,713.70.

My N/W grew by £189.35 to a new total of £63,903.05.

My N/W grew by £2,046.07 to a new total of £65,949.12.

My N/W grew by £2,489.81 to a new total of £68,438.93.

My N/W grew by £2,948.26 to a new total of £71,387.19.

My N/W decreased by £1,267.07 to a new total of £70,120.12.

My N/W grew by £73.15 to a new total of £70,193.27.

My N/W grew by £2,885.54 to a new total of £73,078.81.

My N/W grew by £5,780.77 to a new total of £78,859.58.

My N/W shrank by £3,114.76 to a new total of £75,744.82.

October update:

My N/W shrank by £1,722.84 to a new total of £74,021.98.

Not as bad as last month, but not at all pretty.  The economic situation is very strange right now.  I obviously haven't witnessed a situation like this in my relatively short FIRE journey. 

On the bright side, stocks are cheap.  Just keep swimming...

[triple7stash]

Tracking investing in SPN (which doesn't include roth)

12/28/2020 - $62,783
1/28/2021 - $67,335
2/28/2021 - $69,404
3/28/2021 - $71,869
4/28/2021 - $77,861
5/31/2021 - $79,885
6/30/2021 - $82,843
7/28/2021 - $85,130
8/29/2021 - $87,558
9/30/2021 - $87,127
10/28/2021 - $92,699
11/28/2021 - $95,021
12/28/2021 - $96,703
2/2/2022 - $93,977
2/28/2022 - $91,712
3/28/2022 - $96,748
4/28/2022 - $90,642
5/28/2022 - $91,036
6/29/2022 - $89,116
7/28/2022 - $92,360
9/1/2022 - $92,750
9/28/2022 - $85,710
10/28/2022 - $91,816

[Serendip]

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746

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

Jan '21    65,400
Feb '21    67,600
Mar '21    68,750
Apr '21    72,858
May '21   75,068
June '21  77,013
July '21   79,020
Aug '21   82,801
Sept '21  81,077
Oct ‘21   83,500
Nov ‘21   82,700

Dec ‘21   84,800
Jan '22   83,500
Feb '22   86,900
Mar '22  88,775

Apr '22  78,000 **big hit

Aug '22  83,006
Oct '22  85,903

** been stuck in this zone for a while but will keep plugging away.

[regenaeb]

8/21/21 - SEP + Roth $ 27,113.71
9/30/21 - SEP + Roth $ 27,063.71
10/29/21 - SEP + Roth $ 29,254.43
11/30/21 - SEP + Roth $ 30,055.54
12/31/21 - SEP + Roth $ 31,239.32

1/31/22 - SEP+401K+Roth $ 30,322.94
2/28/22 - 401K + Roth $ 30,620.77 (SEP-IRA rollover to 401K complete)
3/31/22 - 401K + Roth $ 32,862.61
4/30/22 - 401K + Roth $ 31,324.59
5/31/22 - 401K + Roth $ 32,310.61
6/30/22 - 401K + Roth $ 29,261.11
7/31/22 - 401K + Roth $ 32,205.00
8/31/22 - 401k + Roth $ 32,250.37
9/30/22 - 401k + Roth $ 29,982.81
10/31/22 - 401k + Roth $ 33,124.17

Back to positive this month, nice to see.

[Imma]

April 2019: €10094.35
May 2019: €11629.87
June 2019: €12728.63
July 2019: €13021,33
August 2019: €10363,95
September 2019: €10338.28
October 2019: €11128.59
November 2019: €11227,46
December 2019: €11991,27
January 2020: €12576,72
February 2020: €11904,39
March 2020: €10425,32
April 2020: €11830,70
May 2020: €12154,67
June 2020: €14634,19
July 2020: €15345,09
August 2020: €16444,46
September 2020: €17108,60
October 2020: €16687,93
November 2020: €17762,62
December 2020: €19386,94
January 2021: €20649.69
February 2021: €22021,64
March 2021: €22763,55
April 2021: €23866,70
May 2021: €25689.77
June 2021: €25659.61
July 2021: €26434.48
August 2021: €28512.33
September 2021: €29243.37
October 2021: €30357,48
November 2021: €32537,78
December 2021: €33194,68
January 2022: €32912,87
February 2022: €33483,33
March 2022: €32467,16
April 2022: €33360,09
May 2022: €33804,92
June 2022: €33276,84
July 2022: €34735,50
August 2022: €36496,61
September 2022: €35576,83
October 2022: €36432,85

Goals for 2022:
Savings: €15.000
Investments: €30.000

This is the first month I'm not adding to my investments anymore (probably for at least 9 months until the house is finished). That means at least my net worth will be going up for the next couple of months, until we start paying!

[comicguy]

October update
01/26/22  Round Up 642.33    Investment  9911.44  Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26 Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64 Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05

[Ze Stash]

Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-   137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)

01/11/2022: 57.699,49 € (+1.844,05 €)

In the green again. We will move to a new place in the beginning of next year, which of course comes with a few expenses. So progress will likely be slower the next few months, but the new place is a really good deal and in the long run will save us a lot of money compared to similar apartments/houses, while also being a really nice place to live.

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501

January 2022: EUR 40,553
February 2022: EUR 38,767
March 2022: EUR 38,149
April 2022: EUR 40,606
May 2022: EUR 44,527
June 2022: EUR 43,915
July 2022: EUR 41,966
August 2022: EUR 45,309
September 2022: EUR 46,053
October 2022: EUR 46,134

Goal for 2022: EUR 50K

We decided to do an extra payment on the mortgage, so increase is just small because of that. Net worth however increased!
Still hoping to reach my goal at the end of the year.

[LittleWanderer]

October 2021 - $67,968
November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126

October 2022 - $66,872

[Tasse]

	2017	2018	2019	2020	2021	2022
January		$12.1k	$24.7k	$49.0k	$76.2k	$95.4k
February		$13.6k	$27.2k	$46.5k	$79.0k	$95.0k
March		$15.1k	$29.3k	$42.7k	$82.6k	$96.4k
April		$16.6k	$31.3k	$47.5k	$87.3k	$90.3k
May		$17.7k	$31.5k	$50.6k	$88.2k	$89.7k
June		$18.5k	$33.3k	$53.5k	$90.3k	$84.4k
July	$6.2k	$20.2k	$35.1k	$58.5k	$92.0k	$92.4k
August	$6.8k	$20.8k	$36.7k	$63.0k	$94.4k	$89.6k
September	$8.2k	$22.2k	$38.6k	$63.2k	$93.1k	$81.4k
October	$9.0k	$21.7k	$40.2k	$62.9k	$97.1k	$86.3k
November	$9.9k	$22.5k	$42.6k	$69.9k	$95.1k
December	$11.1k	$22.4k	$44.6k	$75.0k	$100.3k

Third high-spend month in a row, and hopefully the last for a while. October was also the last full month of my grad student income - this month I will start making >$50k salary for the first time ever!

[BobTheBuilder]

Well, last time I posted the stock market was in good shape :-D

Nevertheless, NW increased to 80k since June, that is +10k in 5 months.

The next few months will be choppy, since we are buying a piece of land and will have costs associated with that (taxes, paperwork...)
Once the house is build, the ride will smooth out again.

Well Well Well - It has been a while :-D

Very much has happened since that post. We did buy that piece of land, combined finances, and locked in a 15year fixed mortgage before the worst of the interest surges kicked in. The house is still under construction due to the everything shortage, but I am very happy nonetheless. Thanks to the right plays in the stock market, and even while paying the costs associated with house-buying, we increased our net worth to a combined

201k!

So both in terms of non-married or married finance situation, our family is graduating to the next thread. Thanks to you wonderful mustachian crowd and may you all succeed!

[TyGuy]

Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
06/01/22: $21,456
07/01/22: $21,456
09/01/22: $21,456
10/01/22: $21,456
11/01/22: $21,456 (These should disappear soon as I qualify for $20,000 in forgiveness!)


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)


Reached a new highest net worth this month!

[M5]

08/11/22: $95,366
09/07/22: $90,774 (-4592)
11/04/22: $90,694 (-80)

[LobsterLuke]

Hey everyone! So excited to make it to this thread finally. Here are my numbers as of this morning.

3/4/2022: $12,100 cash + $1,034 investments - $0 debt = $13,134 NW

7/12/2022: $14,300 cash + $2,450 investments - $0 debt = $16,750 NW

Finally graduated college at the ripe old age of 27 and landed a good job, so I'm looking forward to watching my stache grow at a faster rate!

I had hoped to be closer to $20K in net worth this time of year, but I spent a dumb amount of money furnishing my new apartment with brand new stuff.

I was walking through Goodwill yesterday and realized I would've been just as happy with the used furniture, dishes and appliances they were selling. I still have a lot to learn but I've been learning a lot by devouring every episode of the Mad Fientist podcast. Really interested in maxing my 401k and IRA somehow.

11/5/2022: $18,312 cash + $4,002 401k + $4,560 IRA = $26,874 NW

[Manchester]

My N/W grew by £2,846.97 to a new total of £54,453.44.

My N/W grew by £1,721.56 to a new total of £56,175.

My N/W grew by £2,262.53 to a new total of £58,437.53.

My N/W grew by £3,196.03 to a new total of £61,633.56.

My N/W grew by £2,080.14 to a new total of £63,713.70.

My N/W grew by £189.35 to a new total of £63,903.05.

My N/W grew by £2,046.07 to a new total of £65,949.12.

My N/W grew by £2,489.81 to a new total of £68,438.93.

My N/W grew by £2,948.26 to a new total of £71,387.19.

My N/W decreased by £1,267.07 to a new total of £70,120.12.

My N/W grew by £73.15 to a new total of £70,193.27.

My N/W grew by £2,885.54 to a new total of £73,078.81.

My N/W grew by £5,780.77 to a new total of £78,859.58.

My N/W shrank by £3,114.76 to a new total of £75,744.82.

My N/W shrank by £1,722.84 to a new total of £74,021.98.

November update:

My N/W grew by £4,766.18 to a new total of £78,788.16.

I was expecting a horrific month.  I spent quite a bit on Christmas, Birthdays and booking a holiday for a stag do.  I'm paying all the household bills whilst my wife is on Mat Leave and I've had what feels like quite a spendy month away from those things too.  Yet it was a great month.  Stocks, lol.

Just shows how important it is to ignore all the background noise and continue following the instructions!   I really want to go above £80k by the end of December.

[IrishFI]

Hi Everyone, recently passed 10k so wanted to check in here.

Emergency fund - 3k
Pension - 3469
ETF - 5290 (tax on gains not deducted)
Poker Roll - 140

Goal for 2021 is to reach 20k. GL everyone.

Hit my goal for 2021 ahead of schedule. Im starting to find more spendy desires popping up. Has anyone else found that after the initial honeymoon period.

Pension - 8350
Taxable - 13300
Emergency fund - 520

Still plugging away. Been a good year to bring down my average purchase price. Well done to everyone staying the course.

Emergency Fund - 590
Pension - 13500
Taxable - 21228

[Trifle]

Congratulations @BobTheBuilder!  Fantastic.

Great job to stay the course and keep saving everyone.  Looks like you're finishing the year strong.   

[Treedream]

01/06/2018: -€60
01/01/2019: €2875.28
01/07/2019: €9288.2
01/08/2019: €10.485.05
01/09/2019: 11554.85
28/09/2019:  €12.182,10
24/10/2019: €13.082.24
26/11/2019: €14,311.49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

Goal 01/01/2021: €27.500 Excluding sinking funds for holidays and health insurance, including student loan at 0.01% interest.

Good increase due to holiday payment this month. Will see how things go from here, as I have quit my job.

01/08/2020: €22,701.09. From here on out my total will go down, as I am currently unemployed and have lived of the remaining payments. Let's see where we get.

I have been pretty AWOL from this forum and this thread, since I have had a few years with limited employment and life happening. I am glad to see that I am back where I started XD. Its a couple of days early, but these seem to be the numbers for now:

November 22: € 21,636.38 +€ 972.77.

This is a very good month and I have been very diligent with the budget. Also we have received a high energy prices subsidie from the governement, which helps a lot.

[triple7stash]

Tracking investing in SPN (which doesn't include roth)

12/28/2020 - $62,783
1/28/2021 - $67,335
2/28/2021 - $69,404
3/28/2021 - $71,869
4/28/2021 - $77,861
5/31/2021 - $79,885
6/30/2021 - $82,843
7/28/2021 - $85,130
8/29/2021 - $87,558
9/30/2021 - $87,127
10/28/2021 - $92,699
11/28/2021 - $95,021
12/28/2021 - $96,703
2/2/2022 - $93,977
2/28/2022 - $91,712
3/28/2022 - $96,748
4/28/2022 - $90,642
5/28/2022 - $91,036
6/29/2022 - $89,116
7/28/2022 - $92,360
9/1/2022 - $92,750
9/28/2022 - $85,710
10/28/2022 - $91,816
11/28/2022 - $99,644

[Treedream]

That is a big jump this month, you are almost there!

[regenaeb]

8/21/21 - SEP + Roth $ 27,113.71
9/30/21 - SEP + Roth $ 27,063.71
10/29/21 - SEP + Roth $ 29,254.43
11/30/21 - SEP + Roth $ 30,055.54
12/31/21 - SEP + Roth $ 31,239.32

1/31/22 - SEP+401K+Roth $ 30,322.94
2/28/22 - 401K + Roth $ 30,620.77 (SEP-IRA rollover to 401K complete)
3/31/22 - 401K + Roth $ 32,862.61
4/30/22 - 401K + Roth $ 31,324.59
5/31/22 - 401K + Roth $ 32,310.61
6/30/22 - 401K + Roth $ 29,261.11
7/31/22 - 401K + Roth $ 32,205.00
8/31/22 - 401k + Roth $ 32,250.37
9/30/22 - 401k + Roth $ 29,982.81
10/31/22 - 401k + Roth $ 33,124.17
11/30/22 - 401k + Roth $ 33,661.28

[Tasse]

	2017	2018	2019	2020	2021	2022
January		$12.1k	$24.7k	$49.0k	$76.2k	$95.4k
February		$13.6k	$27.2k	$46.5k	$79.0k	$95.0k
March		$15.1k	$29.3k	$42.7k	$82.6k	$96.4k
April		$16.6k	$31.3k	$47.5k	$87.3k	$90.3k
May		$17.7k	$31.5k	$50.6k	$88.2k	$89.7k
June		$18.5k	$33.3k	$53.5k	$90.3k	$84.4k
July	$6.2k	$20.2k	$35.1k	$58.5k	$92.0k	$92.4k
August	$6.8k	$20.8k	$36.7k	$63.0k	$94.4k	$89.6k
September	$8.2k	$22.2k	$38.6k	$63.2k	$93.1k	$81.4k
October	$9.0k	$21.7k	$40.2k	$62.9k	$97.1k	$86.3k
November	$9.9k	$22.5k	$42.6k	$69.9k	$95.1k	$90.8k
December	$11.1k	$22.4k	$44.6k	$75.0k	$100.3k

Third high-spend month in a row, and hopefully the last for a while. October was also the last full month of my grad student income - this month I will start making >$50k salary for the first time ever!

I was wrong on several counts last month. I had a fourth high-spending month (and a pitiful 8% savings rate - the NW increase is all from the market). And while I started my new job this month, my first paycheck from it won't arrive until this Friday, so THIS is my official End Of Grad School savings mark.

[Dutch Comfort]

Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501

January 2022: EUR 40,553
February 2022: EUR 38,767
March 2022: EUR 38,149
April 2022: EUR 40,606
May 2022: EUR 44,527
June 2022: EUR 43,915
July 2022: EUR 41,966
August 2022: EUR 45,309
September 2022: EUR 46,053
October 2022: EUR 46,134
November 2022: EUR 46,770

Goal for 2022: EUR 50K

Savings are a lot harder with increasing prices for groceries and energy and my salary not keeping up with it (hopefully in January it will increase, we only have a yearly salary review). Still hoping for a nice bonus in December which will allow me to get to my 2022 goal. Time to closely review spending and cut out more unneccessary items......

@Tass : you're in great shape getting out of grad school with this net worth!
@triple7stash: almost there! 2022 will be your graduation year from this thread!

[comicguy]

November update
01/26/22  Round Up 642.33    Investment  9911.44  Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26 Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64 Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52

[Ze Stash]

Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-   137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)

01/12/2022: 56.415,91 € (-1.283,58 €)

Another red month and net worth is lower than 12 month ago for the 2nd month in a row, despite savings of roughly 14k between November last year and now.

[LittleWanderer]

November 2021- $67,412
December 2021 - $70,758
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872

November 2022 - $71,859

And I'm back up above $70k yet again, but who knows if it'll actually stick this time!

[TyGuy]

Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456 (currently at 0% interest)


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)


My net worth continues to reach new all time highs and I had my largest single month increase in November, despite holiday spending! I'm hopeful to be able to graduate from this thread in early 2023!

[Manchester]

Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-   137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)

01/12/2022: 56.415,91 € (-1.283,58 €)

Another red month and net worth is lower than 12 month ago for the 2nd month in a row, despite savings of roughly 14k between November last year and now.

Look on the bright side - you're buying shares cheaply.  In the long run this period of time will benefit us all greatly.

It is very frustrating to see though.

[Ze Stash]

Net worth:
01/01/2019: -    109,47 €
01/02/2019:      269,41 € (+   378,88 €)
01/03/2019:      890,47 € (+   621,06 €)
01/04/2019:   1.767,70 € (+   877,23 €)
01/05/2019:   3.755,46 € (+1.987,76 €)
01/06/2019:   4.814,83 € (+1.059,37 €)
01/07/2019:   5.959,50 € (+1.144,67 €)
01/08/2019:   7.116,94 € (+1.157,44 €)
01/09/2019:   9.855,39 € (+2.738,45 €)
01/10/2019:   9.718,18 € (-   137,21 €)
01/11/2019: 10.726,98 € (+1.008,80 €)
01/12/2019: 11.773,70 € (+1.046,72 €)
01/01/2020: 12.979,27 € (+1.205,57 €)
01/02/2020: 14.363,54 € (+1.384,27 €)
01/03/2020: 15.039,09 € (+   675,56 €)
01/04/2020: 15.456,74 € (+   417,65 €)
01/05/2020: 16.903,74 € (+1.447,00 €)
01/06/2020: 17.847,51 € (+   943,77 €)
01/07/2020: 19.991,35 € (+2.143,84 €)
01/08/2020: 23.859,77 € (+3.868,42 €)
01/09/2020: 27.705,58 € (+3.845,81 €)
01/10/2020: 28.348,92 € (+   643,34 €)
01/11/2020: 29.975,77 € (+1.626,85 €)
01/12/2020: 32.157,81 € (+2.182,04 €)
01/01/2021: 37.536,36 € (+5.378,55 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)

01/12/2022: 56.415,91 € (-1.283,58 €)

Another red month and net worth is lower than 12 month ago for the 2nd month in a row, despite savings of roughly 14k between November last year and now.

Look on the bright side - you're buying shares cheaply.  In the long run this period of time will benefit us all greatly.

It is very frustrating to see though.

Oh I am viewing this as a positive in the long-run. I think it especially helps to train a steady hand while relatively "little" money is at stake early in the accumulation phase. For people that started investing 2009 after the financial crisis, have large stashes now and experienced mostly only upwards markets until recently this might be a lot more difficult to handle.