Author Topic: Saving to $10K  (Read 240577 times)

Tass

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Re: Saving to $10K
« Reply #1350 on: October 31, 2019, 11:26:45 AM »
You're on your way, @cari8285! Keep chugging!

TyGuy

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Re: Saving to $10K
« Reply #1351 on: November 04, 2019, 10:07:06 AM »
@TyGuy - I ended up taking a slight cut (of $50/wk) but the advantage is I plan to get lots of OT and sixth and seventh days at work where I make x1.5 per hour for 12 hours straight. And I have a guaranteed 12 so if I show up for 20 minutes I still get a full day's pay.

The downside is that I only have 3 days off between now and Thanksgiving, but that's actually kind of an advantage for me as I've been spending more now that everything is so accessible by bike. I'm also making 25% more than everyone else with my title because my coordinator is awesome. rates vary show to show so I'm happy with it because I get to work with good people.


Sounds like you have yourself in a great position! Stay strong with you spending habits and you will be onto the next thread in no time! :)

TyGuy

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Re: Saving to $10K
« Reply #1352 on: November 04, 2019, 10:09:05 AM »
Officially joining!

A few months ago, I had over 2k in credit card debt, over 9k in my car loan, and no 401K.

I've started to make some positive changes so I'm ready to start providing updates on trying to get to a net worth of 10K.

November 2019
Credit card: $521.24
Car loan: $7,868.05
401K: $604.75

I'm not going to include my checking or savings yet because I've basically been throwing all of that money towards the debts to pay them down quicker.

Net worth: -7,784.54

I also owe my brother about 10K (interest free), but not going to factor that in yet because he's made it clear he wants me to get myself together before I even think about paying him back.

Welcome to the group, you have the right mentality, its only a matter of time until you achieve your goals!

TyGuy

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Re: Saving to $10K
« Reply #1353 on: November 04, 2019, 10:13:49 AM »
Student Loan Debt:

01/12/19: $43,762.76
02/01/19: $42,561.06 (-$1,201.70)
03/04/19: $41,418.69 (-$1,139.41)
07/05/19: $37,901.63 (-$3,517.06)
08/10/19: $36,673.79 (-$1,227.84)
09/01/19: $35,289.89 (-$1,383.90)
10/02/19: $33,624.85 (-$1,665.04)
11/04/19: $31,707.48 (-$1,917.37)


Net Worth per Personal Capital:

03/04/19: -$30,065
07/05/19: -$21,711 ($8,294)
08/10/19: -$18,173 ($3,538)
09/01/19: -$12,615 ($5,558)
10/02/19: -$10,089 ($2,526)
11/04/19: -$6,559 ($3,530)

Been cracking down on the spending this past month, and I am now on track to be worthless by the end of the year!

Trifele

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Re: Saving to $10K
« Reply #1354 on: November 05, 2019, 05:57:17 AM »
Been cracking down on the spending this past month, and I am now on track to be worthless by the end of the year!

Crossing the Zero is huge, @TyGuy.  I started way in the hole due to student loans and I still remember the day I became worthless.  Great job -- you're almost there!   


DieHard_772

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Re: Saving to $10K
« Reply #1355 on: November 06, 2019, 10:10:15 AM »
Congratulations to everyone making progress in their savings goals.

I used to be a regular on this thread, and have seen a lot of progress since:

10/26/17  Our Total Networth:  $11,303
9/15/18 Our Total Networth:  $21,470
11/5/19 Our Total Networth: $49,512

Perseverance pays off!

Moonwaves

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Re: Saving to $10K
« Reply #1356 on: November 07, 2019, 04:26:28 AM »
BoI savings a/c: 300.00
DiBa ETF: 1,623.22
CmzBank savings a/c: 4,000.00 (ok, not actually yet but I've transferred the money and it should show up by Monday)
Total:  +5,923.22

Net: +5,923.22

With 1,100 in annual expenses/house maintenance and 1,000 in travel and still just over 200 in my current account.

BoI savings a/c: 150.00
DiBa ETF: 1,792.08
CmzBank savings a/c: 4,500.00
Total:  +6,442.08

Net: +6,442.08

And 1,150 in annual expenses/house maintenance. Down to just 150 in my travel savings but am just back from 10 days away, have paid for tickets to go back to Ireland at Christmas and have paid my registration, hotel, and train for my annual trip to Halle in February, so it's all good.


Imma

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Re: Saving to $10K
« Reply #1357 on: November 09, 2019, 05:39:29 AM »
BoI savings a/c: 300.00
DiBa ETF: 1,623.22
CmzBank savings a/c: 4,000.00 (ok, not actually yet but I've transferred the money and it should show up by Monday)
Total:  +5,923.22

Net: +5,923.22

With 1,100 in annual expenses/house maintenance and 1,000 in travel and still just over 200 in my current account.

BoI savings a/c: 150.00
DiBa ETF: 1,792.08
CmzBank savings a/c: 4,500.00
Total:  +6,442.08

Net: +6,442.08

And 1,150 in annual expenses/house maintenance. Down to just 150 in my travel savings but am just back from 10 days away, have paid for tickets to go back to Ireland at Christmas and have paid my registration, hotel, and train for my annual trip to Halle in February, so it's all good.

Well done @Moonwaves ! You're doing great :)

jdhansen

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Re: Saving to $10K
« Reply #1358 on: November 15, 2019, 05:02:32 PM »
Time to get back to tracking the savings and pushing on to that 10K goal.
In March 2019 had about $3,800 but after a rough run of health and many unforeseen medical expenses over the last 6 months time to start climbing out of the hole.

11/15/2019   $ -5671.56

Not fun to be reset but happy to have a healthy family again.  Plus DW and I have a plan to get us out of this hole and heading back towards the goal.  Hoping this thread helps us keep our focus and we will be ready to jump into the 100k thread in a year from now.

Trifele

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Re: Saving to $10K
« Reply #1359 on: November 30, 2019, 11:56:38 AM »
I like the attitude @jdhansen!  You've got this.  Keep on chugging and you will get there.   

cari8285

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Re: Saving to $10K
« Reply #1360 on: December 03, 2019, 08:27:49 AM »
November 2019
Credit card: $521.24
Car loan: $7,868.05
401K: $604.75

Net worth: -7,784.54

December 2019
Credit card: $208.72
Car loan: $7,719.02
401K: $1,072.31

Net worth: -6855.43 (+929.11)

Credit card will be completely paid off this month, and then I'll start throwing all excess money at that car loan. Woo!

ItsALongStory

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Re: Saving to $10K
« Reply #1361 on: December 03, 2019, 09:10:25 AM »
Awesome progress @cari8285

Moonwaves

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Re: Saving to $10K
« Reply #1362 on: December 03, 2019, 09:13:21 AM »
Goddammit! Just checked my credit card balance online to make sure the payment had gone through and instead of plus twenty-ish euro (I rounded up the payment), it was minus almost ONE THOUSAND! Strange transaction for 998 has me questioning my sanity. I mean, I am sure I would remember buying something for that much but I'm still going round and round in my head wondering if I did accidentally order something I'm just not remembering.
Card has now been locked and I should get a new one in about a week. The credit card company has sent me an email with a form to fill out and then they will check with the vendor and, assuming the vendor can provide no proof of purchase, will refund me the money. I didn't think that was the way it worked, so now I'm anxious to see exactly what the form is that I have to fill out.
This is just exactly what I don't need. I am particularly hating my uncertainty - it's like I'm gaslighting myself!

cazio

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Re: Saving to $10K
« Reply #1363 on: December 03, 2019, 04:14:39 PM »
10/2/18 - $(2742.60)
10/29/18 - $(1899.81)
11/25/18 - $(1660.04)
12/31/18 - $245
3/14/19 - $(5,212)
3/31/19 - $(882.10)
4/25/19 - $(16,545.33)
5/29/19 - $(14,275.68)
6/28/19 - $(13,578)
7/26/19 - $(12,692)
8/23/19 - $(11,219)
10/4/19 - $(12,227.77)
11/30/19 - $($15,648)

Life is really trying to kick me in the ass. New job ended unexpectedly last week (long story, it was a political "firing" to stick it to my coordinator) so instead of being 2 paychecks ahead, I'm now going to end up behind unless the next show starts up before January (50/50 chance). Quarter-life crisis is hitting hard both for me and my close friends. Oh, and I went to highly recommended dentist who basically told me my previous dentist did not so great work (as I guessed) and I have to get probably $10k+ worth of work done, of which my insurance will cover $2k max. I've always had bad teeth but ugh.

My EF hasn't been this low since college and I'm seriously running the risk of using all of it between the dentist and covering rent for December and potentially January. I'm trying not to stress but things are really not lining up for me. I've been adamant about never falling back on family for financial help but I'm really cutting it close this time and I think I'm going to run negative.

Right now just getting to negative 10k net worth seems out of reach!

Dicey

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Re: Saving to $10K
« Reply #1364 on: December 04, 2019, 01:48:56 AM »
Goddammit! Just checked my credit card balance online to make sure the payment had gone through and instead of plus twenty-ish euro (I rounded up the payment), it was minus almost ONE THOUSAND! Strange transaction for 998 has me questioning my sanity. I mean, I am sure I would remember buying something for that much but I'm still going round and round in my head wondering if I did accidentally order something I'm just not remembering.
Card has now been locked and I should get a new one in about a week. The credit card company has sent me an email with a form to fill out and then they will check with the vendor and, assuming the vendor can provide no proof of purchase, will refund me the money. I didn't think that was the way it worked, so now I'm anxious to see exactly what the form is that I have to fill out.
This is just exactly what I don't need. I am particularly hating my uncertainty - it's like I'm gaslighting myself!
This happened to me once. Someone in Buffalo, NY had charged 150 stethoscopes to my CC.

Bank to Dicey: "Are you sure you didn't buy 180 stethoscopes?
Dicey to bank: "What would I do with even one?"

It was corrected in relatively short order. Hope yours is, too.

I'd like to believe it was some kind of altruistic medical Robin Hood, but I rather doubt it.

Dicey

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Re: Saving to $10K
« Reply #1365 on: December 04, 2019, 01:56:07 AM »
10/2/18 - $(2742.60)
10/29/18 - $(1899.81)
11/25/18 - $(1660.04)
12/31/18 - $245
3/14/19 - $(5,212)
3/31/19 - $(882.10)
4/25/19 - $(16,545.33)
5/29/19 - $(14,275.68)
6/28/19 - $(13,578)
7/26/19 - $(12,692)
8/23/19 - $(11,219)
10/4/19 - $(12,227.77)
11/30/19 - $($15,648)

Life is really trying to kick me in the ass. New job ended unexpectedly last week (long story, it was a political "firing" to stick it to my coordinator) so instead of being 2 paychecks ahead, I'm now going to end up behind unless the next show starts up before January (50/50 chance). Quarter-life crisis is hitting hard both for me and my close friends. Oh, and I went to highly recommended dentist who basically told me my previous dentist did not so great work (as I guessed) and I have to get probably $10k+ worth of work done, of which my insurance will cover $2k max. I've always had bad teeth but ugh.

My EF hasn't been this low since college and I'm seriously running the risk of using all of it between the dentist and covering rent for December and potentially January. I'm trying not to stress but things are really not lining up for me. I've been adamant about never falling back on family for financial help but I'm really cutting it close this time and I think I'm going to run negative.

Right now just getting to negative 10k net worth seems out of reach!
Hang in there, @cazio, it will get better. Maybe look into dental tourism. Google "Los Algodones". 
Bad teeth due to heredity is not your fault.