Sooooooo...
Since I made my 6mo car insurance payment, I am not showing as much progress, even though the other accounts went up.
I am still enrolled and in classes, so I have not made any student loan payments, so those remain the same.
I did adjust the income of my day job to split $200/mo from each check to go directly into savings- that starts this payday (Friday) so I am hoping it works out and I can survive within my budget (
this tightens things up a bit more, where it's already pretty pretty tight). I live only on the income from the day job and save everything from Job #2 and all side hustles (pet sitting, house cleaning, etc).
I also quit my gym last week (sad face) so I won't have those payments for a few months until I find another gym home. I am incomplete and miserable without a gym, and it's something I have to give myself and my health, but the atmosphere/situation at my gym was not improving the quality of my life in relation to the expense- so it was time to go! Hopefully I can find something just a pinch cheaper, but fulfilling.
I also pulled out $1100 from General Savings this month to open my Vanguard account!!
I guess I'm not "technically" in the hole more, but it sure feels like it right now with this minimal progress.
I do have three $200-$400 pet-sitting gigs upcoming on my books, so that'll help!
Keep chugging along! Choo Choo!
Assets:Emergency fund + General savings = 5274
Vehicle Emergency Fund = 1183
Pet Emergency Fund = 539
Car Insurance collection (paid from yearly) = 101
(just paid this)Camper/Tiny home Savings = 1703
Consistent Checking Surplus for immediate emergencies = 200
IRA = 22.06
Vanguard = 1100.00
:/TOTAL: 8939.06 *It also makes me feel better to list these assets:
Car value: ~5000
Value if I sold literally everything else I own: maybe 600?Liabilities
Student Loan #1 = 11,000 at 1.9%
Student Loan #2 = 5,200 at 2.3%TOTAL: 16200Net worth: -7260.94
I'm jumping in!
Assets:
Emergency fund + General savings = 4716
Vehicle Emergency Fund = 1183
Pet Emergency Fund = 523
Car Insurance collection (paid from yearly) = 297
Camper/Tiny home Savings = 1627
Consistent Checking Surplus for immediate emergencies = 200
IRA = 4.10 :/
TOTAL: 8550.10
*It also makes me feel better to list these assets:
Car value: ~5000
Value if I sold literally everything else I own: maybe 600?
Liabilities
Student Loan #1 = 11,000 at 1.9%
Student Loan #2 = 5,200 at 2.3%
TOTAL: 16200
Net worth: -7649.90
(gosh, almost makes me want to sell my car and walk the 30 miles to work....)