Author Topic: Race from 100 to 250k  (Read 837326 times)

MrThatsDifferent

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Re: Race from 100 to 250k
« Reply #1450 on: January 06, 2018, 01:57:50 PM »
Started last year just entering this challenge and now about 3 months before moving on to the next, happy with that.

Apples

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Re: Race from 100 to 250k
« Reply #1451 on: January 08, 2018, 01:30:05 PM »
Nov. 1 2015:  $101,701.11 --- gain of $8,228.48
Dec 1 2015:  $106,488.64 --- gain of $4,787.53
Jan. 1 2016:  $107,709.77 --- gain of $1,221.14
Feb. 1 2016:  $106,318.40 --- loss of $1,402.91
Mar. 1 2016:  $108,550.55 --- gain of $2,232.15
Apr. 1 2016:  $115,724.63 --- gain of $7,174.08  woohoo market swing up!
May 1 2016:  $119,946.35 --- gain of $4,221.72
June 1 2016:  $125,160.93 --- gain of $5,214.58
July 1 2016:  $127,094.93 --- gain of $1,934.00
August 1 2016:  $133,039.69 --- gain of $5,944.76
September 1 2016:  $136,465.21 --- gain of $3,425.52
October 1 2016:  $140,391.81 --- gain of $3,926.60
November 1 2016:  $145,497.13 --- gain of $5,105.32
December 1 2016:  $149,771.11 -- gain of  $3,732.60
January 1 2017:  $153,948.79 -- gain of $4,177.68
February 1 2017:  $163,262.29 -- gain of $9,313.60 
March 1 2017:  $169,266.73 -- gain of $6,004.44  January had 5 paychecks, so extra went in savings, which made this a better-than-average month.
April 1 2017:  $173,615.56 -- gain of $4,398.83
May 1 2017:  $179,910.03 -- gain of $6,294.47
June 1 2017:  $185,658.02 -- gain of $5,747.99
July 1 2017:  $189,004.34 -- gain of $3,346.32
August 1 2017:  $194,775.49 -- gain of $5,771.15
September 1 2017:  $198,403.35 -- gain of $3,627.86
October 1 2017:  $203,102.05 -- gain of $4,698.70
November 1 2017:  $210,951.82 -- gain of $7,849.76
December 1 2017:  $216,449.55 -- gain of $5,497.73

The link to the spreadsheet is:

https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit?usp=sharing

January 1 2018:  $219,525.37 -- gain of $3,075.82

We bought a car. I include our cars in our net worth calculations, but the taxes and paperwork fees and such, plus adding car insurance for it, slowed down progress a bit this month.    The second car is going to start slowing down our net worth increases though, between depreciation and saving less due to higher bills.  Oh, growing up and adulting, why are you expensive sometimes?

MEJG

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Re: Race from 100 to 250k
« Reply #1452 on: January 10, 2018, 03:13:27 PM »
I get to join this race!
Hoping to be up $50,000 for 2018, and in this race for 4 yrs or less.

12/31/17:  115,566.39 (+1655.22)

Nick_Miller

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Re: Race from 100 to 250k
« Reply #1453 on: January 11, 2018, 08:17:33 PM »
Jan 2016     $80,165.78
Mar 2016     $101,768.81
May 2016    $106,529.21
July 2016    $115,035.02
Sept 2016   $126,076.92
Nov 2016    $135,152.36
Jan 2017     $147,729.69
Mar 2017    $140,835.79 (moving expenses set us back)
May 2017    $149,690.19
July 2017    $157,768.24
Sept 2017   $167,359.52
Nov 2017    $175,059.46
Dec 2017    $181,416.68
Jan 2018 $190,018.18

Okay, so we're $60K from graduating this thread. To graduate by year's end, we need to average NW gain of $5,454 per month for the next 11 months. I have a bonus (about $10K) due next month, and we should get a decent tax refund back, so hopefully we can make decent jumps in Feb and March.

« Last Edit: January 12, 2018, 07:20:05 AM by Nick_Miller »

dignam

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Re: Race from 100 to 250k
« Reply #1454 on: January 12, 2018, 07:07:36 AM »

Dec 2017 $126k [buying a house, lots of associated expenses]


Congrats, fellow new homeowner!

Thanks and congrats to you!  This property is smaller and closer to work than my last house.  Housing (even renting) is insane in my area; kind of surprised I got the place at the price I did.

Slow&Steady

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Re: Race from 100 to 250k
« Reply #1455 on: January 17, 2018, 08:34:19 AM »
I am joining this race from the $10k-$100k race!  Hopefully not too early.

I don't count true NW but thought it would be nice to look back and see it, so I added it!  What I am really tracking is the "Invested Total" column.  I also don't count different savings accounts if they have a specific purpose (maternity leave, self-employment taxes, etc).

What is happening in 2018:  Baby #2 is due in late March!  I accepted a job offer last week that includes a 30+% raise. I will not be able to contribute to the new company 401k until I have been there for 30 days, very close to when I take unpaid maternity leave, and we are holding off on putting anything into the IRA until after maternity leave so our Invested Total should follow the market increases/dips for the next several months with very little contributions added.  We also plan to finish off student loans in 2018 (finally).  If DH's business continues growing as it has for the last few months I would love to max his IRA and then will need to make decisions of paying down debt vs investing in another rental vs increasing my 401k vs opening an IRA for me vs increasing contributions to 529 Plans.

Code: [Select]
        401K        IRA Invested Total Home Value Rental Value Debt         Total NW
Dec-13 $43,660 $0         $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0         $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0         $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
*Jan-18 $99,676 $1,201 $100,877 $240,000 $135,000 $317,727 $158,150
*Stats for Jan 15th, 2018 (not end of month)


Izybat

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Re: Race from 100 to 250k
« Reply #1456 on: January 17, 2018, 10:59:05 AM »
I'm a bit last posting for the end of 2017, but:

1/17 - $71,425.20
2/17 - $81,629.90
3/17 - $90,185.83
4/17 - $106,744.63
5/17 - $112,212.95
6/17 - $119,459.82
7/17 - $123,788.19
8/17 - $130,553.30
9/17 - $137,292.06
10/17 - $141,917.56
11/17 - $149,045.19
12/17 - $153,537.92

More than double our net worth in a year? I'll totally take it.

me1

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Re: Race from 100 to 250k
« Reply #1457 on: January 17, 2018, 11:31:16 AM »
Column 1: investments (retirement + otherwise):
Column 2: total net worth (including investments, savings account and the paid off part of the house)
 7/17/17    $182,905   $301,487
 8/17/17    $184,943   $301,381
 9/17/17    $191,576   $308,692
10/17/17   $197,557   $314,090
11/17/17   $201,230   $315,249
12/17/17   $210,178   $328,245
1/17/18     $225,531  $340,364
I'm so grateful for this site making this possible. blows me away every time I look at this growth

urover

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Re: Race from 100 to 250k
« Reply #1458 on: January 17, 2018, 08:48:59 PM »
Joining this thread as we recently breached 110K in nw. Single earner family with a not-so-crazy salary, but here goes:

17th-Jan-2018: 110K

CCam10

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Re: Race from 100 to 250k
« Reply #1459 on: January 18, 2018, 04:01:24 AM »
Joining this thread after recently passing 150k:

12/31/14 - 70,800
12/31/15 - 92,541
12/31/16 - 114,950
12/31/17 - 151,000

Hoping to hit 200 in the next 18 months

Anon in Alaska

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Re: Race from 100 to 250k
« Reply #1460 on: January 18, 2018, 06:00:58 AM »
As of today - $114,566.38 invested. More with paid for condo, car, etc.

FI-REality

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Re: Race from 100 to 250k
« Reply #1461 on: January 19, 2018, 09:25:09 AM »
Goal of $200,000 by June of 2018.

Jan 1/16 - $105,809.20
Feb 1/16 - $102,834.20
Mar 1/16 - $105,602.70
Apr 1/16 - $108,749.60
May 1/16 - $111,301.30
Jun 1/16 - $115,863.40
Jul 1/16 - $117,155.44
Aug 1/16 - $121,029.58
Sept 1/16 - $115,764.20
Oct 1/16 - $118,878.00
Nov 1/16 - $121,182.02
Dec 1/16 - $122,740.03
Jan 1/17 - $126,041.95
Feb 1/17 - $126,222.84
Mar 1/17 - $131,614.25
Apr 1/17 - $138,777.41
May 1/17 - $143,059.30
Jun 1/17 (Goal of $150,000) - $145,507.49
Jul 1/17 - $144,570.34
Aug 1/17 - $144,686.48
Sept 1/17 - $147,458.04

Been a while since I posted.  Here are my numbers.
Oct 1/17 - $152,266.77
Nov 1/17 - $158,846.78
Dec 1/17 - $162,149.53
Jan 1/18 - $164,613.88
« Last Edit: January 19, 2018, 09:29:38 AM by FI-REality »

dcozad999

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Re: Race from 100 to 250k
« Reply #1462 on: January 19, 2018, 03:17:21 PM »
Just crossed $200k. Haven't really kept a monthly record so will try to start with Feb 1.

MChaven0607

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Re: Race from 100 to 250k
« Reply #1463 on: January 19, 2018, 09:32:24 PM »
First time poster just crossed 100k on my 457 account joining this race and updating quarterly.

January-2018    $100,038

MVal

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Re: Race from 100 to 250k
« Reply #1464 on: January 22, 2018, 09:57:58 AM »
05/31/2017: $101,116
06/30/2017: $105,800
07/31/2017: $108,102
08/31/2017: $109,173
09/30/2017: $112,641
10/31/2017: $114,947
11/30/2017: $120,950
12/31/2017: $130,109

Wow, how did you jump $10K in one month? That wasn't just from market growth, was it?

Imustacheyouaquestion

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Re: Race from 100 to 250k
« Reply #1465 on: January 29, 2018, 08:23:09 AM »
Aug 2016      $104,410.00
Sept 2016    $106,084.00   
Oct 2016       $107,559.00
Nov 2016      $103,227.00
Dec 2016      $107,460.00
Jan 2017       $111,400.00
Feb 2017       $145,239.58
Mar 2017       $154,141.21
Apr 2017        $160,150.58
May 2017       $156,334.39
June 2017      $162,557.18
July 2017       $170,357.32
August 2017   $174,107.52
Oct 2017        $184,884.82
Nov 2017       $198,945.16
Dec 2017       $206,349.74
Jan 2018       $209,636.49
Feb 2018     $229, 479.48

+$19843 this month!!! Three paycheck month for me, plus my wife got a lump sum of back pay (salary adjustment dating back to August).

We also saw our investments crest over the $200k mark this month, which was very cool. Lots of big expenses on the horizon for this year: a $10k home improvement project, wedding reception, and honeymoon this summer.


Google doc link: https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0

SpareChange

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Re: Race from 100 to 250k
« Reply #1466 on: January 29, 2018, 09:19:13 AM »
Aug 2016      $104,410.00
Sept 2016    $106,084.00   
Oct 2016       $107,559.00
Nov 2016      $103,227.00
Dec 2016      $107,460.00
Jan 2017       $111,400.00
Feb 2017       $145,239.58
Mar 2017       $154,141.21
Apr 2017        $160,150.58
May 2017       $156,334.39
June 2017      $162,557.18
July 2017       $170,357.32
August 2017   $174,107.52
Oct 2017        $184,884.82
Nov 2017       $198,945.16
Dec 2017       $206,349.74
Jan 2018       $209,636.49
Feb 2018     $229, 479.48

+$19843 this month!!! Three paycheck month for me, plus my wife got a lump sum of back pay (salary adjustment dating back to August).

We also saw our investments crest over the $200k mark this month, which was very cool. Lots of big expenses on the horizon for this year: a $10k home improvement project, wedding reception, and honeymoon this summer.


Google doc link: https://docs.google.com/spreadsheets/d/1Z8OcegKpbeNJoqSI0nzoBuypFKqDD7BT2SS60oFEeCw/edit#gid=0

Now that's the way to start a year! :)

Tyson

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Re: Race from 100 to 250k
« Reply #1467 on: January 29, 2018, 10:33:39 AM »

Wow, how did you jump $10K in one month? That wasn't just from market growth, was it?

I used to wonder that too.  Now that I've moved up to the Race to $500k thread, jumps of $10k per month are not uncommon.  Mostly from market gains. 

When I was in the Race to $250k thread, a $10k month might happen if I had a combo of bonus at work or a big tax return, plus market gains. 

It's amazing, as you get more and more $$, just how much in gains the money itself starts to generate.  I can't even imagine what it'll be like as I start to approach $1m. 

ender

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Re: Race from 100 to 250k
« Reply #1468 on: January 29, 2018, 12:53:10 PM »
It goes the other way, too. Just not for the last few years ;)

Tyson

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Re: Race from 100 to 250k
« Reply #1469 on: January 29, 2018, 01:04:22 PM »
It goes the other way, too. Just not for the last few years ;)

Oh absolutely.

I struggle sometimes with being properly frugal with my earned income when I see how little that matters compared to the swings the market takes...I have to remind myself that every little bit matters.

Agreed.  The best thing you can do to be "anti-fragile" when it comes to the market is to be robustly frugal.  If you consistently live below your means, you save more up front, but it also means you have less lifestyle inflation to support later on down the line if SHTF. 

I realized this the other day myself.  For a long time I HAD to have a job that made above $100k, because we spent $100k per year.  So even a short time of unemployment put us at risk almost immediately.  Nowadays I'm closer to $70k spend.  Which does 2 things - it lets me save $30k per year.  But, if SHTF, like I lose my job, I can survive just fine on $70k per year salary indefinitely.  That's pretty cool.

Nick_Miller

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Re: Race from 100 to 250k
« Reply #1470 on: January 29, 2018, 01:52:01 PM »
I just thought of something depressing...

Lots of people will 'graduate' this thread and then if/when a correction takes place, they might slide back here...

I think that would hit me hard for some reason.

ender

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Re: Race from 100 to 250k
« Reply #1471 on: January 29, 2018, 03:31:26 PM »
I just thought of something depressing...

Lots of people will 'graduate' this thread and then if/when a correction takes place, they might slide back here...

I think that would hit me hard for some reason.

If you have say 300k net worth, mostly in investments, and the market drops 2%/month, then each month you'll "lose" $6k.

Some folks seem to be able to save that much too, so it might take a major market correction to kick a lot of people back here.. or a quick, fast one...

Imustacheyouaquestion

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Re: Race from 100 to 250k
« Reply #1472 on: January 30, 2018, 07:28:09 AM »
Personally, I think I would stay in the next thread once I'd graduated, even if the market experienced a major downturn and I slipped below $250k again. Kind of like how Vanguard converts your VTSMX to VTSAX at $10k - they don't convert you back, even if your balance dips below that threshold in the future.

The milestone of achieving a $250k net worth is more important to me than the actual number. I'd like to think I won't be all that devastated when the next market correction occurs, since I'll still own slices of companies that are producing valuable goods and services. It's just a chance to buy more stocks at discount prices.

A recession while you have a high savings rate and are able to pump money into investments can be a major accelerator to FI if you stay the course. I feel like there are plenty of people who reached FI mostly because they were able to scoop up rental properties at major discounts during the housing crisis, for example.

Pooperman

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Re: Race from 100 to 250k
« Reply #1473 on: January 30, 2018, 08:04:04 AM »
DateNet WorthTotal GainsSavedMarket GainsSaving Rate
5/31/2017$101,344.65+$2,422.39+$1,478.82+$943.57+23%
6/30/2017$100,060.05-$1,284.60-$1,601.89+$317.29-26%
7/31/2017$103,868.70+$3,808.65+$2,550.76+$1,257.89+39%
8/31/2017$104,537.62+$668.92+$1,100.88-$431.96+14%
9/30/2017$107,892.53+$3,354.91+$2,288.37+$1,066.54+33%
10/31/2017$110,221.54+$2,329.01+$1,193.40+$1,135.61+30%
11/30/2017$111,408.49+$1,186.95+$268.63+$918.32+4%
12/31/2017$132,802.54+$21,394.05+$5,134.14+$16,259.91+59%
1/31/2018$137,862.25+$5,060.29+$1,119.44+$3,940.85+25%

Raenia

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Re: Race from 100 to 250k
« Reply #1474 on: January 30, 2018, 09:10:06 AM »
04/01/2017 - 114,128.11
05/01/2017 - 123,935.63
06/01/2017 - 127,228.98
07/01/2017 - 128,638.92
08/01/2017 - 133,202.60
09/01/2017 - 135,706.79
10/01/2017 - 141,346.00
11/01/2017 - 146,788.93
12/01/2017 - 153,023.95
12/31/2017 - 156,988.01

01/30/2018 - 166,995.57

Wow, that was a good month for the market!

LurkerStache

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Re: Race from 100 to 250k
« Reply #1475 on: January 31, 2018, 02:14:44 AM »
Dec 2017: 102,068.04
Jan 2018: 108,443.97

MEJG

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Re: Race from 100 to 250k
« Reply #1476 on: January 31, 2018, 04:54:44 AM »
05/31/15:  -59,130 - Started tracking
12/31/15:  -48,294
06/30/16:  -31,079
12/31/16:  -12,948
06/30/17:   16,864
7/31/17:     28,092.96
08/31/17:   11,927.63
09/30/17:   10,855.00
10/31/17:  115,192.30
11/30/17:  114,447.76
12/31/17:  115,566.39
01/31/18:  129,358.02 (+13,791.63)


Up $13,791 for January, market returns and a higher than average income.  We have a maternity leave coming up so will see NW losses in the 1st half of the year.


« Last Edit: January 31, 2018, 06:26:22 AM by MEJG »

cashmoney

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Re: Race from 100 to 250k
« Reply #1477 on: January 31, 2018, 06:18:26 AM »
4/28/17 $82,123.14 start of competition
5/31/17 $83,416.85 an increase of $1,293.71
6/30/17 $88,646.63 an increase of $5,229.78
7/31/17 $97,939.57 an increase of $9,292.94
8/31/17 $98,975.02 an increase of $1,034.45
9/29/17 $101,431.60 an increase of $2,456.58
10/31/17 $106,262.40 an increase of $4,830.80
11/30/17 $103,638.95 a decrease of -$2,623.45
12/29/17 $107,889.26 a 4% increase of $4,250.31
01/31/18 $112,888.72 a 4.6% increase of $4,999.46

Obviously the market did most the work this month.  I worked some overtime so my paychecks were a little bigger than usual.  I did pay a $1,000 medical bill and sold a motorcycle for $700 more than what I though it was worth.  I have one larger medical bill looming plus wedding expenses.

CorpRaider

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Re: Race from 100 to 250k
« Reply #1478 on: January 31, 2018, 06:29:54 AM »
Marketable securities: 

12/15 ~    $81,000
12/16 ~  $109,000
01/17 ~  $116,000
02/17 ~  $122,000
03/17 ~  $125,000
04/17 ~  $130,000
05/17 ~  $130,000
06/17 ~  $134,000
07/17 ~  $138,000
08/17 ~  $142,000
09/17 ~  $148,000
10/17 ~  $151,000
11/17 ~  $158,000
12/17 ~  $164,000      Year end TNW estimate ~ $445,000
01/17 ~  $174,000

moonpalace

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Re: Race from 100 to 250k
« Reply #1479 on: January 31, 2018, 06:49:24 AM »

01/2017:  $42,000
02/2017:  $51,000
03/2017:  $57,500
04/2017:  $62,500
05/2017:  $71,546
06/2017:  $80,500
07/2017:  $88,597
08/2017:  $97,618
09/2017:  $106,055
10/2017:  $111,242
11/2017:  $120,141
12/2017:  $131,419
01/2018:  $143,602
02/2018:  $151,025

Pretty decent month despite paying over $7k in quarterly estimated taxes. Recently got a raise and directed most of it to increased 457 contribution!

Slow&Steady

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Re: Race from 100 to 250k
« Reply #1480 on: January 31, 2018, 08:46:37 AM »
I am joining this race from the $10k-$100k race!  Hopefully not too early.

I don't count true NW but thought it would be nice to look back and see it, so I added it!  What I am really tracking is the "Invested Total" column.  I also don't count different savings accounts if they have a specific purpose (maternity leave, self-employment taxes, etc).

What is happening in 2018:  Baby #2 is due in late March!  I accepted a job offer last week that includes a 30+% raise. I will not be able to contribute to the new company 401k until I have been there for 30 days, very close to when I take unpaid maternity leave, and we are holding off on putting anything into the IRA until after maternity leave so our Invested Total should follow the market increases/dips for the next several months with very little contributions added.  We also plan to finish off student loans in 2018 (finally).  If DH's business continues growing as it has for the last few months I would love to max his IRA and then will need to make decisions of paying down debt vs investing in another rental vs increasing my 401k vs opening an IRA for me vs increasing contributions to 529 Plans.

I was hesitant to join this group before the end of the month but it looks like I made a safe bet, I am here to stay (until the next graduation)!

Code: [Select]
        401K        IRA Invested Total Home Value Rental Value Debt         Total NW
Dec-13 $43,660 $0         $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0         $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0         $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
Jan-18 $101,379 $1,212 $102,591 $240,000 $135,000 $316,332 $161,258

wonkette

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Re: Race from 100 to 250k
« Reply #1481 on: January 31, 2018, 09:40:48 AM »
Updating for Feb a day early because I'm traveling tomorrow and won't be in front of a computer. Broke 150k!

Nov: 131,132
Dec: 136,176
Jan: 144,773
Feb: 154,787

DarkandStormy

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Re: Race from 100 to 250k
« Reply #1482 on: January 31, 2018, 09:52:03 AM »

01/2017:  $42,000
...

02/2018:  $151,025

Wow.  An impressive 13 months.  Congrats!

Slow&Steady

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Re: Race from 100 to 250k
« Reply #1483 on: January 31, 2018, 10:32:24 AM »
05/31/15:  -59,130 - Started tracking
12/31/15:  -48,294
06/30/16:  -31,079
12/31/16:  -12,948
06/30/17:   16,864
7/31/17:     28,092.96
08/31/17:   11,927.63
09/30/17:   10,855.00
10/31/17:  115,192.30
11/30/17:  114,447.76
12/31/17:  115,566.39
01/31/18:  129,358.02 (+13,791.63)


Up $13,791 for January, market returns and a higher than average income.  We have a maternity leave coming up so will see NW losses in the 1st half of the year.

We have some pretty close numbers for this race and we have a maternity leave coming up too.  We don't count the savings that was specifically set aside for that so I am hoping it won't have a NW loss but we also will not be adding anything to savings from the middle of Feb until probably the middle of June. 

moonpalace

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Re: Race from 100 to 250k
« Reply #1484 on: January 31, 2018, 12:15:01 PM »

01/2017:  $42,000
...

02/2018:  $151,025

Wow.  An impressive 13 months.  Congrats!

Thanks! 01/2017 is the month I found MMM (or, more precisely, the month I started putting MMM into action!).

Cornel_Westside

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Re: Race from 100 to 250k
« Reply #1485 on: January 31, 2018, 12:42:39 PM »
03/2017 - $130,500
04/2017 - $133,780 (+3280 - Saved $2500, Market Gains $780, Savings Ratio 48.2%)
05/2017 - $138,157 (+4377 - Saved $2835, Market Gains $1542, Savings Ratio 54.4%)
06/2017 - $144,144 (+5987 - Saved $3265, Market Gains $2731, Savings Ratio 61.9%)
07/2017 - $147,452 (+3308 - Saved $2039, Market Gains $1269, Savings Ratio 39.1%)
08/2017 - $152,993 (+5541 - Saved $2961, Market Gains $2580, Savings Ratio 54.3%)
09/2017 - $155,863 (+2870 - Saved $2838, Market Gains $32, Savings Ratio 52%)
10/2017 - $162,673 (+6810 - Saved $2999, Market Gains $3811, Savings Ratio 54.9%)
11/2017 - $168,673 (+6000 - Saved $2775, Market Gains $3225, Savings Ratio 50.8%)
12/2017 - $175,755 (+7082 - Saved $2730, Market Gains $4352, Savings Ratio 50%)
01/2018 - $193,174 (+17419 - Saved $3452, Market Gains $13967, Savings Ratio 63.3%)
02/2018 - $207,459 (+14285 - Saved $3693, Market Gains $10592, Savings Ratio 67.7%)

Good month, even with eating out too much.
« Last Edit: January 31, 2018, 02:45:26 PM by Cornel_Westside »

MEJG

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Re: Race from 100 to 250k
« Reply #1486 on: January 31, 2018, 01:00:54 PM »
05/31/15:  -59,130 - Started tracking
...
01/31/18:  129,358.02 (+13,791.63)


Up $13,791 for January, market returns and a higher than average income.  We have a maternity leave coming up so will see NW losses in the 1st half of the year.

We have some pretty close numbers for this race and we have a maternity leave coming up too.  We don't count the savings that was specifically set aside for that so I am hoping it won't have a NW loss but we also will not be adding anything to savings from the middle of Feb until probably the middle of June.

We do have rather close numbers!!!

We had planed on selling our home, which would have netted us >10,000 in hand, but our buyer fell through (read was super shady) and then the seller on the house we were under contract for won't release our $3,000 deposit.  So currently we're about $13,000 down from expected cash in our checking/savings account.  We're currently pursing the $3,000 in small claims court....
Now it's too close to the baby being born to try and sell, so we're staying.  Which is annoying but fine.
I'm hoping to be able to cash flow all of maternity without dipping into "savings" but I do count all cash assets in my NW calculation.

My work is changing drastically when I go back from maternity leave.  I hope much to the better but we will see how I feel comfortable calculating it.  I think I'll be keeping my LLC money separate and then paying myself quarterly after I pay qaurtlery taxes.... so we might not see gains in NW until 3rd quarter this year....  I haven't decided how exactly to do the accounting though.

dreadmoose

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Re: Race from 100 to 250k
« Reply #1487 on: January 31, 2018, 01:28:06 PM »
   Jul 1, 2016      -$19,048    
   Jan 1, 2017      -$25,189     <---Discovered MMM
   Dec 29, 2017       $110,473    
   Feb 1, 2017       $116,237    

I only count investment accounts minus outsanding debts, ignoring condo equity / mortgage and depreciating assets.

Stimpy

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Re: Race from 100 to 250k
« Reply #1488 on: January 31, 2018, 02:15:35 PM »

6/1/2017 - $115,738
6/30/2017 $117,232 ~ +1.29%
7/31/2017 $119,087 ~ +1.58%
8/31/2017 $123,218 ~ +3.47%
9/30/2017 $123,886 ~ +0.54%
10/31/2017 $125,468.75 +1.28%
11/30/2017 $124,036.64 ~-1.14%   - Almost a new leap day  ;)
12/31/2017 $130,952.23 ~5.58%   - Side note: previous month didn't have tax liens so this % is a little skewed

1/31/2018  $135,011.70 ~ 3.10%

Numbers based on Mint and does not include:
 A small crypto currency investment speculation < $1000

Not much to say.  If I actually had put away what I planned it would be a few thousand higher!  Oh well, at least January's over spending will be paid for by work so, go me?

BeautifulDay

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Re: Race from 100 to 250k
« Reply #1489 on: January 31, 2018, 06:31:38 PM »

            Net Worth      investment and cash assets
Mar 2016     $28,361       $74,408
Jun 2016     $40,970       $81,270
Sep 2016     $57,895       $92,035
Dec 2016     $80,499      $100,376
Jan 2017     $87,257      $104,880
Feb 2017     $93,080      $110,760
Mar 2017     $99,766      $116,593
Apr 2017     $97,334       $89,230  Bought a house
May 2017     $100,755      $93,943
Jun 2017     $102,562      $96,048
Jul 2017     $107,420     $101,106
Aug 2017     $107,530     $102,450
Sep 2017     $112,554     $106,887
Oct 2017     $116,826     $110,677
Nov 2017     $122,380     $115,275
Dec 2017     $128,724     $121,976
Jan 2018     $136,288     $127,999



This month we paid for our vacation that we will take in September.  Its been a spendy month.
« Last Edit: February 01, 2018, 08:26:12 PM by BeautifulDay »

hudsoncat

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Re: Race from 100 to 250k
« Reply #1490 on: January 31, 2018, 06:41:20 PM »
31-Oct-16: $121,639
30-Nov-16: $128,335
31-Dec-16: $134,179
31-Jan-17: $140,623
28-Feb-17: $148,087
31-Mar-17: $153,745
30-Jun-17: $171,538
31-Jul-17: $179,124
31-Aug-17: $180,682
30-Sep-17: $192,217
31-Oct-17: $199,128
30-Nov-17: $207,436
30-Dec-17: $222,019
31-Jan-18: $236,834

Wow was it a good month. Last fall I had hoped to graduate this tread by July, now I'm thinking March or April barring the market going down. Investments only as always.

tjrssibelle

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Re: Race from 100 to 250k
« Reply #1491 on: January 31, 2018, 08:40:01 PM »

Dec 2016 - $129.04 k
Jan 2017 - $133.53 k
Feb 2017 - $139.23 k
Mar 2017 - $145.40 k
Apr 2017 - $149.59 k
May 2017 - $155.36 k
Jun 2017 -  $160.27 k
July 2017 - $167.24 k
Aug 2017 - $171.00 k
Sep 2017 - $178.27 k (5 paychecks instead of 4)
Oct 2017 - $184.61 k
Nov 2017 - $190.83 k
Dec 2017 - $196.66 k


Sent from my SM-N920V using Tapatalk
Jan 2018 - $210.26 k

Sent from my SM-N920V using Tapatalk


use2betrix

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Re: Race from 100 to 250k
« Reply #1492 on: February 01, 2018, 05:52:38 AM »
Now that I知 back to work and hammering closer to 250k, time to really get focused.

Feb 1, 2016 - $90k
Jan 1, 2017 - $177k
Jan 1, 2018 - $196k
Feb 1, 2018 - $214,462

Up $18k in January. I知 alternating 72/82 hr work weeks (every other Sunday off)  at the moment, so I should be saving right around $12k-$13k per month off my income. The rest is market gains. February I should be getting a good tax return. This job will likely end early summer then I値l have to find another. I知 hoping it値l stretch through at least June as that値l be a 3 paycheck month. If I can make it (and keep these hours up) through July I should hit $300k.

Plans have a tendency to change, but that痴 the current goal, aside from joining the 250k-500k club by my 30th birthday in April.

Rodgers12

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Re: Race from 100 to 250k
« Reply #1493 on: February 01, 2018, 06:04:38 AM »
05/31/2017: $101,116
06/30/2017: $105,800
07/31/2017: $108,102
08/31/2017: $109,173
09/30/2017: $112,641
10/31/2017: $114,947
11/30/2017: $120,950
12/31/2017: $130,109
01/31/2018: $135,205

Izybat

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Re: Race from 100 to 250k
« Reply #1494 on: February 01, 2018, 06:21:19 AM »
1/17 - $71,425.20
2/17 - $81,629.90
3/17 - $90,185.83
4/17 - $106,744.63
5/17 - $112,212.95
6/17 - $119,459.82
7/17 - $123,788.19
8/17 - $130,553.30
9/17 - $137,292.06
10/17 - $141,917.56
11/17 - $149,045.19
12/17 - $153,537.92
1/18 - $160,703.16

Jaayse

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Re: Race from 100 to 250k
« Reply #1495 on: February 01, 2018, 06:27:21 AM »
Investments and liquid assets, not including condo equity:

April 15, 2017 -           164,900
May 1, 2017 -             ? (Lost info)
June 1, 2017 -            ? (Lost info)
July 1, 2017 -             180,808
August 10, 2017 -       189,280
September 1, 2017 -   193,727
October 1, 2017 -        209,968
November 1, 2017 -     220,602
December 1, 2017 -     225,918
January 1, 2018 -        232,213
February 1, 2018 -       245,447

It is a good feeling to look at my total and know that it is more than what I have left on my mortgage.  I'm also much further along this year than I thought and that was with a bunch of extra spending this month.  Along with many others I have to wonder how long this increase will continue, but I'm willing to try to swim upstream and buy stocks at a discount!

Pooplips

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Re: Race from 100 to 250k
« Reply #1496 on: February 01, 2018, 07:27:16 AM »
1/31/16 - $101,376.00
3/1/2016 - $102,990.00
4/1/2016 - $116,749.00
5/1/2016 - $119,487.00
6/1/2016 - $126,469.00
7/1/2016 - $130,494.00
8/1/2016 - $137,029.00
9/1/2016 - $137,784.00
10/1/2016 - $138,994.00
11/1/2016 - $142,793.00
12/1/2016 - $145,877.00
1/1/2016 - $153,860.00
2/1/2017 - $160,572.00
3/1/2017 - $166,884.00
4/1/2017 - $178,162.00
5/1/2017 - $181,246.00
6/1/2017 - $185,933.00
7/1/2017 - $188,383.00
8/1/2017 - $194,921.00
9/1/2017 - $198,680.00
10/1/2017 - $200,900.00
11/1/2017 - $205,957.00
12/1/2017 - $210,663.00
1/1/2018 - $218,174.00

2/1/2018 - $224,331.00

dcozad999

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Re: Race from 100 to 250k
« Reply #1497 on: February 01, 2018, 07:27:33 AM »
Investments only:

2/1/18  -  $198,264.59



*For married folks, do you combine both of your assets, or just list them here individually?
« Last Edit: February 01, 2018, 07:29:53 AM by dcozad999 »

DarkandStormy

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Re: Race from 100 to 250k
« Reply #1498 on: February 01, 2018, 07:29:36 AM »
NW // Inv. Assets

5/1/17 - $115,775  //  $92,843
6/1/17 - $132,067  //  $96,095
7/1/17 - $134,078  //  $96,404
8/1/17 - $142,711  //  $100,068
9/1/17 - $144,009 // $102,800
10/1/17 - $146,185 // $106,104
11/1/17 - $151,793 // $111,791
12/1/17 - $155,245 // $116,204
1/1/18 - $157,542 // $115,616 - Had some unexpected medical bills hit this month (hence the drop in HSA funds) and decided to pull the trigger and prepay property taxes late in December as well.

2/1/18 - $165,472.41 // $123,774.69

Gain buoyed by a great month in the market and we really reigned in the spending the last two months.  If the market continues the next 12 months like the last 12 months I'll threaten to graduate ($250K) by year end, which I doubt will happen.
« Last Edit: February 01, 2018, 07:46:54 AM by DarkandStormy »

marcela

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Re: Race from 100 to 250k
« Reply #1499 on: February 01, 2018, 07:31:15 AM »
Background on net worth: No kids, 1 dog (he's a very good boy), we own a house.

08/2013: $9,216- had been making 18k, got a job making 27k
02/2014: $14,413- new job in December making 38k
08/2014: $17,890
02/2015: $34,041
08/2015: $58,584 - new job in May making 55k
02/2016: $77,264
09/2016: $96,145

10/31/2016: $101,606        (+$2,334)
11/17/2016: $103,940        (+$2,334)
12/30/2016: $109,785.19   (+$5,845.19)
1/31/2017:   $112,318.74   (+$2,533.55)
2/28/2017:   $119,499.39   (+$7,180.65)
3/31/2017:   $124,640.83   (+$5,141.44)
4/30/2017:   $109,329.00   (-$15,311.83)
5/31/2017:   $108,986.53   (-$342.47)
6/30/2017:   $114,809.37   (+$5,822.84) Husband started working making 75k
7/31/2017:   $118,822.63   (+$4,013.26)
8/31/2017:   $127,150.06   (+$8,327.43)
9/29/2017:   $137,371.91   (+$10,221.85)
10/31/2017: $131,182.62   (-$6,189.29)
11/30/2017: $160,216.75   (+$29,034.13) We bought a house!
12/31/2017: $167,991.01   (+$7,774.26)
1/31/2018:   $180,969.37   (+$12,978.36) Husband started new job making $61k plus bonus

Those numbers seem rather unbelievable. I got a tiny increase this month of 3% and hubby started his new job. Our gas bills have gone down tremendously with his commute going from 35mi to 2mi (each way). He technically took a pay cut, but the boss is pretty insistent that the bonuses will more than make up for it.  We will see. Home stuff purchases have slowed down a bit and now we're just down to small things like lamps and side tables. Still waiting to see if the new neighbor is going to put a fence up before contacting people for that.