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EAT FASTER!!!!!! posted:You're another $2,000 in debt. What? Holiday shopping and a new bed. 
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Nov 26, 2017 23:37
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zaurg posted:I'm gonna thrown down on that 2018 thread. Yeah, buddy.  How goes life?
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Nov 27, 2017 00:04
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Late for a Q3 update, but whatever. This year has been financially *fart noise* 2017 Goals 1. Continue moderate retirement / 529 savings - Yea sure 2. Acquire a newer ~$20k vehicle for me - Bought a cheaper vehicle. Tried to sell the car it replaced but no one wanted to buy it so I still have it. Somewhat of a blessing as I've been doing a decent amount of travel so I'm just hammering the miles on the unwanted vehicle. Hopefully I'll hit a deer and total it. 3. $1200 in principal-only mortgage payments - Yea, no. I think around $300 and that was mostly from the beginning of the year. 4. Bump up emergency fund to $15k From about $13k - Not even close, we actually spent some of that so it's probably closer to $12k now. 5. Stretch goal: Pay off newly acquired vehicle from step 2. - Well hey we did that, however: Quick e/n story about cars: My wife and I bought our first brand new car 3 years ago, a Hyundai Sonata with the intent of keeping it for a long time (long warranty and whatnot). We paid it off quickly so we've been car payment free for most of that time. Well, a few months back the engine "blew up". It was driveable, but there was bad valvetrain damage. No worries, that's what a warranty is for! We get our "new" engine (not new) and a week later there is a fire in the engine bay because the tech didn't tighten the charging cable on the alternator enough, it backed off and arced against the engine and bingo bango engine fire. It wasn't "car engulfed" type fire or anything, but it did some damage. Well, the wife, probably rightfully so, put her foot down and gave me the "I'm not driving our children around in that car" speech so we replaced that car with another brand new car which is going to be roughly $16k out of pocket to "upgrade". So now we have a car loan. On the bright side it's at .9% and it was only for $10k so interest will be minimal, we should be able to get it paid off by summer-ish hopefully if we can stop spending friggin' money.
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Nov 29, 2017 14:17
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https://forums.somethingawful.com/showthread.php?threadid=3842261 2018 thread up.
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Dec 1, 2017 01:57
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2017 Goals (November update):quote:- I met most of my goals. I don't think I'll hit any of the not-on-track ones this month, but we'll see.
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Dec 1, 2017 20:08
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GreenBuckanneer posted:Goals: Status: - Got a 2k CC (not rewards version), and only have about $20 on it on auto pay. Our goal here is to just make small payments to it, and then immediately pay it off. - Got approved for another 1k CC (rewards card), and have zero balance on it (haven't gotten it yet). same use case as above for this one - I am current on all of my student loans now! - I was unable to consolidate my discover loan (12.125% Variable interest) because I didn't graduate and because this loan was sold from one loan vendor to discover, then someone bought the loan? but discover manages it?? - One of my student loans is defaulted and is in collections (this happened before my first post and I didn't realize) but it's 0% interest as long as we keep paying so we're saving that for last. - Creditwise says my credit score was 467 in March 2017, and now is 649 in November. 651 Average. Is that a lot? I don't know these things. Creditkarma backs up this number as well, as 651. That sounds amazing, almost 200 points of credit in 9 months! - Discover, Great Lakes (federal), Citizens Bank, and Navient are my current loans. - Discover was $17,000. At the highest balance it was just under $29,700 in January before I started catching up. It is on track to be paid off by January of 2019 and is around $23,100 right now. - 92.5% of all principal payments EVER MADE to this loan were in 2017. - Along the way, the Navient loan (another $20,000+) stopped qualifying for rate reduction, going from a 4% interest rate to 10.5%. That will push this loan to a later payoff but also means that it is next up in pay-off order, after the Discover. Currently set to pay off in November 2019. - By April of 2020, the highest interest rate left is 4.25% and at this point, I can choose between increasing retirement contributions or continuing blasting through the last $21,000 at this accelerated pace, for a pay-off date of January 2021. - I also started up a 401k finally! I will hit $1400 in my 401(k) this Thursday and I'm contributing 5% of my gross pay (company match = 4%). The funds are invested in a mix of four Vanguard index funds to keep fees low. - Stopped smoking 2 packs a week, now I just vape now and then. I went from $25 a month for cigs. I bought a bunch of atomizers and liquid (120ml) in May, and last purchase was June 21st. Have not smoked real cigs since then. - Drinking went to $63~ a month now, it was $89 in February (it fluctuates sometimes) - Paid off 2 medical bills, and have less than $500 in the HSA now, but that's growing too. Company contributes $300 a year. Some graphs:  Discover progress:   Overall net progress:  TL;DR: 1. Increased personal net worth by 12% in 10 months. 2. Got $3,000 of available credit card potential 3. Got current on all my loans, and started making avalanche payments to them, with a current payoff of January 2021 for currently 84k in debt. I started off at 94k in February or so. (I realize my previous post says 80k, but that was incorrect information.) 4. Stopped smoking and started vaping, reduced drinking somewhat. 5. Food budget went to $230 from $250 6. Paid off 2 medical bills I forgot about since 2015. Subnote: A lot of this progress has been due to YNAB (You Need A Budget) software, so if anyone needs a referral (the screenshots are from that) just PM me. I am pretty proud about my progress. What do you think?
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Dec 1, 2017 22:09
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Nov UpdateGuest2553 posted:Challenge mode - 250k NW by EOY. Done - was sitting at 264k at close of business yesterday, though that's down about 3500 today thanks to whatever prelude to civil war you yanks are getting on about.
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Dec 2, 2017 00:17
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right back where I was year ago 
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EAT FASTER!!!!!! posted:End of November updates! About to head into three years of lean times owing to much higher minimum payments on our student loans until they're eligible for forgiveness!
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Dec 2, 2017 17:01
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EDIT: /\/\/\ Congrats on your tax cut plutocrat! (Just kidding, nice work)GreenBuckanneer posted:TL;DR: Great work here! The first steps are often the hardest, and it sounds like you're putting yourself on a much better track. Boring but good November update inline. On track to complete 10 major goals, 1 stretch goal, and fail 1 stretch. Pretty great year, just gotta finish out strong! Grumpwagon posted:2017 Goals
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Dec 2, 2017 19:00
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Grumpwagon posted:EDIT: /\/\/\ Congrats on your tax cut plutocrat! (Just kidding, nice work) Unexpectedly, by virtue of having pretty high state taxes and using line item deductions, our tax burden is actually quite likely to increase starting in 2019, and certainly will increase every year afterwards. But I appreciate your enthusiasm!
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Dec 2, 2017 19:57
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I hit my goals and exceeded them. I even managed to eliminate the floating rate debt that I'd used as leverage for my investments. Next year is going to be interesting as I've cleared out a number of goals that I'd planned on for many years.
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Dec 2, 2017 23:12
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November: 1. Increase net worth from 72k to 94k. Currently 99.5k. DONE! 100k net worth this year? Sweet. 2. Increase emergency fund from 5.5k to 7.5k. Currently 7.5k. DONE! 3. Increase house fund from 2.5k to 11k. Currently 10.8k. Next month should do it! 4. Go on a fun (overseas?) trip this summer. Spending Limit: 3k. Trip cancelled. DONE, I guess? 5. Contribute a minimum of $2400 to my Roth IRA. $2200. 6. Stay debt free. Yup. Will hit the rest of the goals at the end of this month. Feels good. It's been a decent year.
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Dec 3, 2017 01:52
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Early end-o-year report! 2017 Financial Goals - Max 401k $2000 short but almost did it. - Max ROTH IRA Done! - Keep video game spending to less than $40/mo 2017 was a great year for video games and a bad year for not buying them - Keep at-home alcohol spending to under $40/mo 2017 was a great year for drinking - Take a vacation without feeling guilty. Done! 2017 Career Goals - Finish Masters on-time w/associated raise No raise, but did it  - Pass PE exam on first attempt Success! - Uh... don't get fired, I guess? Success! 2017 Stretch goals - Save $10k beyond 401k/IRA I should've thrown more into my 401k, because I ended up almost doubling this. Oops! - Help my siblings organize their finances for their budding careers Did the best I could
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Dec 5, 2017 05:19
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EOY Update (Early) Debts: - $26K Auto Loan @ 1.4% - $20K Student Loans @ 5% Reduced by 9K, from 29K Total Debt: $46K (Down from 63K) Net worth: $103k (Up from 4K) Q1 - Update at end of March Q2 - Update at end of June - (Q2) Extend current spending planning from 2 months to 4 months - Still @ 2-3 months, but good effort Q3 - Update at end of September - (Q3) Use remainder of bonus and reduced spending to pay off student loans - This never fully materialized, I'll use next year's bonus to clear it out Q4 - Update at end of year - (Q4) Extend current spending planning from 4 months to 6 months - Better luck next year! Stretches - Stretch: (Q4) Pay off Auto Loan - Stretch: (Q2) Find a side gig - Stretch: (Q4) If all debts paid, move completely off of CCs to become fully debt free - Stretch: (Q4) Reach a net worth of 50K End of year summary: Everything came together pretty nicely! Had a few curve balls throughout the year but the planning helped me have emergency reserves and stay on target. I'm expecting to move up a pay grade in February and receive a full bonus which should help me clean up the last few goals in Q1 2018. Overall this was a great exercise and I'll do it again for 2018.
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Dec 5, 2017 05:48
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Final tally, near enough. I have a record of all my incoming payments to the end of the year. 2017 Goals: Non monetary: Stretch goals:
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Dec 11, 2017 15:03
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Final tally time: Nothing much is going to change in the final three weeks. 2016 was nice, but 2017 kinda hosed up. Goals for 2017 Habit oriented 1 - My wife and I are going to start using YNAB and regularly track our expenses actively instead of passively with Mint after the fact. By end of January, build the habit to religiously record everything we spend. 2 - My wife and I need to better structure our outside-of-work businesses. By end of January, build a schedule for our at-home projects that we can adhere to at 50%. By end of March, 80% adherence. Stick at 80% average level from March to December. 3 - I need to get more structured with my workouts and not go from great performance to weeks of lovely adherence. By end of January, build a workout schedule I can adhere to at 50%. By end of February, 80%. Stick at 80% average level from February to December. #1 - Failed. We didn't stick to it. We ended up doing okay with the usual Mint tracking, but YNAB fell off habit. #2 - Success. #3 - Failed. I got injured again and blew up the schedule. It's going okay right now, but I missed several months of exercise. Expense oriented for both Sundae and Wife 1 - Right now, life is great because my company is paying most of my rent in the Bay Area. In June 2018, that subsidy supposedly ends. GOAL: Put aside $2,500 a month in savings each month in 2017 to simulate ability to live within budget in bay area without the rent subsidy. 2 - Limit our at-home alcohol purchases to $30 per month. (2 bottles of wine per month, basically.) 3 - Limit eating out (including lunch and dinner) to $148 a month. ($100 dinner, $48 lunch) 4 - Greed Limit (ooh shiny purchases): $200 for both per month. 5 - Glutton Limit (ooh tasty purchases): $100 for both per month. #1 - Partial Success - I don't want to call this one a failure when I missed a few months of the extra savings because I used those extra missed months to pay medical bills for myself, my wife, and also my mother whose insurance wouldn't cover things. I opted to pay cash rather than deal with credit for those since I had the money, but could have reversed that if needed. #2 - Failed - God, we love wine too much. #3 - Success - Took us several months but we got there. =) #4 - Not sure - I honestly don't know. It's probably a failure, but given our poor tracking under that YNAB thingie.... yeah, let's call this a FAILURE #5 - Success - Took us several months but we got there! Finally! Business Oriented 5 - Put aside all non-tax and non-expense income from side business as savings. (AKA, live entirely within the bounds of the day job salary.) #5 - Success - My wife put all of her incoming royalties and illustration income into savings and all my residual royalties were also sent to savings. Lifestyle Oriented 1 - Lose 12 pounds at minimum. If I fail at this, I loving suck. 12 pounds should be so goddamned easy that it's shameful. Stretch Goal: Lose 24 pounds. 2 - By end of February, schedule and attend a meeting with my day job company's financial advisor to determine how much, exactly, I'm allowed to put away for retirement in each eligible type. (I have a fairly complicated income package, with salary, self-employed income, RSUs and SARs. I'm maxing my 401(k) and putting some into a Roth IRA, but I want to figure out what I'm eligible to do and max things appropriately. I'm not using his suggestions, but I want dollar amounts.) 3 - STRETCH GOAL: If applicable from #2, increase my retirement contributions by no less than 5% to eligible non-401(k) sources in 2017. #1 - BARELY A loving SUCCESS - I lost twelve pounds. And that's it. Goddamnit, wine. (And lack of self-control.) Failed stretch goal. #2 - Success. The guy was a loving idiot, but I did it. Everything I could max was maxed anyway. #3 - Not applicable. Total Summary: Failed miserably at habits. Partial success on expenses. Success on lifestyle-oriented. N/A on the biz side mostly.
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Dec 11, 2017 18:35
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Dustoph posted:I'm always late to the party. 2017 turned out to be pretty interesting for me. Took the in-laws offer to move in with them (who live 3 hours from us) for roughly 12-15 months to save some dough. That lasted roughly 3 months before we had to move out - who would have guessed haha. Moved back to our home city. As part of all of this, my wife was forced to turn down 2 job offers. One when we moved, and one when we moved back. I then got her pregnant during all of this, so she hasn't been back to work. Between the moves and that, it has been a huge blow to our income this year. Now at year end, I have twin new borns and wife still isn't working. We don't have help close by and the numbers don't work out for her to go back to work and put the kids in childcare. Our current rental lease is up next summer and we will move then. Where? Still haven't figured it out. Could move near my mom who could help with child care, but the COL there is about 30% more. I already live somewhere that I think is way too expensive. So maybe we will move out of state and have my wife just stay at home for the time being since it would be easier to afford. The thought of zero help with the kids is daunting though but we will see how it goes over the next few months and I get back to work (still on paternity leave right now). So in terms of my goals earlier this year: - Save the $35k? Lol, no. I think we managed to save $5k. I did sell my sports car for $15k and that went into the house pot, but I didn't originally plan to do that. - No raise yet. Boss did commit to trying to get it done within 3 years. I love my job so I'll give her the opportunity and leave in 3 years if I don't have it by then (more like 2.5 years now) - Decide where to move - Narrowed it down a lot but still haven't made a decision. Got the Southwest credit card with their companion pass for buy one get one free plane ticket for an entire year, so will try to visit some places more soon. - 100% work remotely - accomplished. This will make moving easy. - Stretch goal - Nope! At least I accomplished one thing, even though it didn't really have anything to do with money. More importantly I need to figure out the long term goals out now and get cracking on making it happen.
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Dec 16, 2017 10:02
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Nail Rat posted:A bunch of people want a 2017 thread, so here we are. So it turns out that dating and going on soul-searching trips to Europe is expensive, but here's what happened: -Pay off 401k loan and be debt free for the first time in 7 years. - Done. -Increase emergency fund to $10k. Done. -Max out 401k. 13 k  -Max out IRA. 3k -Max out HSA. Done -$20k to house down payment fund. 12k -Increase net worth to $150k(assuming no big market collapse). Of course this is just a combination of the above goals but it would feel good! 145.1k So yeah not as good as I was hoping but still feel pretty good about increasing my net worth by 50k. Now I'm buying a condo in a couple months so clearly I'm just determined to undo all the progress here. Nail Rat fucked around with this message at 16:02 on Dec 18, 2017 |
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Dec 18, 2017 15:59
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2017 Goals (End of year update): Successes quote:- My wife will be quitting her job next year (was a goal for last year, but we pushed it back). Need to re-assess budget before that happens. Back of the napkin says we'll be more than fine, but I want hard numbers in a spreadsheet She went from a full-time job, to a super part-time job at 8 hours a week. We're good financially, she is much happier now, and her anxiety has decreased significantly Not successes quote:- Get some storage for the basement and clean it up a bit (spend less than $250) Partially complete, but spent $325 Considering I was laid off in August and unemployed for 2 months, this wasn't a bad year.
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Dec 18, 2017 17:24
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2017!Potrzebie posted:Goals Looking back on the year I'm really surprised that I managed to save as much as I did. I guess having no energy or time to do expensive stuff and no need to drive anywhere helps keep costs down. That and the baby making/baby savings was good. The rest failed for various reasons. Some better than others, but they still failed. I am bad for failing my goals and I feel bad. Next years big things are baby #2 and owning a freaking house! We plan on leasing out the basement to increase our income and I'll be working again come April, so that'll help. The rest is new and unknown. Potrzebie fucked around with this message at 15:41 on Dec 19, 2017 |
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Dec 19, 2017 15:39
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End of year update:Omne posted:Omne's 2017 Financial Goals! 1. Technical failure. I ended the year with less debt than I started, but due to the move I carried over a few months of credit card expenses, so I paid some interest. It's all paid off again and we are back on track. 2. Success. Completed in March 3. Success. Completed in Q1 4. Rousing success. Ended the year at $15k 5. Success. Ended at $7,476 Stretches: 6. Fail. 7. Success. The move hurt us at the start from a debt and savings perspective, but we sold our house and walked away with $28k in cash, plus my increased salary from the job change, plus I got three bonuses at my new company in December (vacation, Christmas and an equity exit bonus).
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Dec 19, 2017 23:47
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End of the year!!! 1. Increase net worth from 72k to 94k. Currently 101k. DONE! 100k net worth?  2. Increase emergency fund from 5.5k to 7.5k. Currently 7.6k. DONE! 3. Increase house fund from 2.5k to 11k. Currently 11.2k. DONE! 4. Go on a fun (overseas?) trip this summer. Spending Limit: 3k. Trip cancelled. DONE, I guess? 5. Contribute a minimum of $2400 to my Roth IRA. $2400. DONE! 6. Stay debt free. Yup. I did everything except taking the trip! Hoping next year goes this smoothly. spinst fucked around with this message at 23:11 on Dec 29, 2017 |
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Dec 23, 2017 02:53
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Well 2017 was a good news/bad news year. Got fed up with the new bosses and transferred to the other side of the country which sort of blew everything out of the water. Thankfully it's a must lower COL area so major bonus there. So here are the results: 1. Pay off credit card - Went the wrong direction on this one. Had to put a decent chunk of the moving expenses on the CC but it was well less than half so that's a plus. 2. Max out flexible spending account contribution - Managed this and will do so again in 2018 3. Maintain 401k contribution - Managed this without much trouble. Set it and forget makes for easy goals. 4. Purchase rental property number 3 - No chance to do this although we're starting to get into the swing of things in our new location so 2018 is looking good. 5. Don't take on any additional consumer debt. - This one is a bit of a wash. We walked away from the sale of our old house with $51k that we used to pay off our car (yay!), and one of the loans on our rentals (yay!) but increased our CC debt to a level that I'm not happy with. Go get my balls cut because babies are expensive and one is enough. - Nailed it! Getting neutered is one of the best health decisions I've made. So a mixed bag financially but I think we're in a much stronger (and healthier) position than we were before. 2018 is looking good!
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Dec 23, 2017 14:34
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2017 Goals 1) 2) 3) 4) 5) 6) Stretch 1) Install solar panels (10k-15k estimate) - Swapped w/ kitchen remodel goal, this won't happen until 2018 2) Not bad!! I made much less money this year due to the contract switch but I got to spend the year at home. Now that my house is in literal and proverbial order, I am ready to return to travel consulting and knock out that mortgage in 2018!!
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Dec 23, 2017 17:12
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BAE OF PIGS posted:Current figures: 30 y/o making $45,000 a year. A little over 10k in student loan debt, no other debt. About $16,000 in retirement currently, and need to start aggressively contributing to it in the next few years.Retirement savings up to $23.5k Currently focused on getting rid of student loan debt however. Will be in a good position to be debt free in a few months! BAE OF PIGS fucked around with this message at 16:00 on Dec 28, 2017 |
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Dec 28, 2017 12:11
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EAT FASTER!!!!!! posted:Current Figures - This marks my 2017 made or broken year-in-review post. Overall I'm quite pleased, actually, and there were a few fun windfalls along the way (including a little bitcoin bonus). The car was the only real setback but it was just an acceleration of the timeline I already had the sense was coming. As far as getting your personal finances in shape in a hurry, I highly recommend making a ton of loving money.
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Dec 29, 2017 17:31
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How fast do you have to be going to get a several thousand dollar speeding ticket?
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Dec 29, 2017 21:49
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BAE OF PIGS posted:How fast do you have to be going to get a several thousand dollar speeding ticket? This question is pretty relative but between court costs, attorney fees, ticket cost, insurance points and suspended license/reinstatement costs, fast, but not as fast as you'd think.
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Dec 29, 2017 22:32
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spwrozek posted:
Net Worth $200,495 
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Dec 30, 2017 00:37
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EOY updateGuest2553 posted:Goal 1 - increase family NW from 178k to 225k. Challenge mode - 250k: Success! Even after the significant decline this past week I'm sitting at 266k. Stretch goal was possible due to a huge tax return, a retroactive COLA, and a minor windfall after a relative sold some family property. Based off this year's performance, next year's goals are to 1) keep saving money, 2) get promoted, 3) eat better/work out (with actual benchmarks!), and 4) read more. 2017 was a dog poo poo year but this thread was pretty cool.
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Jan 1, 2018 00:47
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Lost 10 pounds or so up until our second kid was born and put it all back on. I'm maaaaybe in marginally better shape from working out sporadically, but my diet and workout schedule generally go to poo poo when I'm overworked and don't sleep properly. Which leads to
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EoY update It was a good year overall, with room for improvement next year. Still, hard to complain when the final goal tally is 10/10 major goals, 1/2 stretch goals. We easily made our $135k NW goal this year, finishing at around $145k, even with buying a house this year instead of next. This was a combination of slightly higher than expected salary, and of course the stock market over-performing. We both maxed Roth IRAs for the first time this year. In fact, when I set this goal, I intended that we both contribute $5500, which because we hadn't maxed 2016 and the first several payments were 2016 contributions, wasn't technically a 2017 max. But because of an unexpectedly high bonus, we were able to make a balloon payment to properly max 2017, for a total of $14748 contributed this year. Feeling really good about that. The sort of failure was again in the health department. While I did technically lose 20 pounds this year, which was my goal, I had basically lost that by July. The second half of the year I made no progress at all. This is the second year in a row I've made a fairly easy health goal with the intention of exceeding it, and instead JUST BARELY squeaking it out. Overall, I am healthier than I was 365 days ago, and that's what really matters, but I should have done better for sure. Needless to say, the "extra 10 pounds lost" stretch goal was a complete failure. Looking forward to posting 2018 goals shortly! Grumpwagon posted:2017 Goals
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Jan 2, 2018 14:47
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EAT FASTER!!!!!! posted:This question is pretty relative but between court costs, attorney fees, ticket cost, insurance points and suspended license/reinstatement costs, fast, but not as fast as you'd think. I guess 30 over for a reckless in a school zone if you still had your license suspended even with an attorney
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Jan 2, 2018 16:21
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BEHOLD: MY CAPE posted:I guess 30 over for a reckless in a school zone if you still had your license suspended even with an attorney Nope, just over 30 simple speeding on open interstate in good conditions. My state wouldn't play ball on the ticket, it stunk.
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Jan 2, 2018 17:01
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BEHOLD: MY CAPE posted:I guess 30 over for a reckless in a school zone if you still had your license suspended even with an attorney Paying an attorney and still getting that end result sounds like this should be cross-posted to the BWM thread
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Jan 2, 2018 17:02
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EAT FASTER!!!!!! posted:Nope, just over 30 simple speeding on open interstate in good conditions. My state wouldn't play ball on the ticket, it stunk. Your state sucks since all there is to do on a flat, corn-lined interstate is speed like crazy. I drove from Des Moines to Omaha once and I don't think I ever went less than 85.
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Jan 2, 2018 17:31
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IllegallySober posted:My 2017 goal is to become debt-free by paying off $17,129.33 in debt. Not a great year, financially. Killed off the student loan, but still have CC debt to the tune of $11,144.12. On the plus side, I did not add any debt beyond interest. I did not max the Roth but did slightly increase contributions. Only wound up putting in $800 total though. Have to kill the CC debt before I can fee good about increasing this. Did not lose 20 pounds. Lost 10 and kept it off for most of the year but put them back on in the last two months. This will be a 2018 goal again but with more action steps. I don't have my restaurant/bar numbers in front of me right now but did very well on the bar (quit drinking for four months from August-November, which helped). Unfortunately I'm pretty sure I put that savings back into the restaurant budget. Another area for 2018 where I'll have to make a better SMART goal. I'll edit in these numbers later. Will post updated goals in the 2018 thread this week. 
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Jan 3, 2018 19:29
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EAT FASTER!!!!!! posted:Nope, just over 30 simple speeding on open interstate in good conditions. My state wouldn't play ball on the ticket, it stunk. Was the speed limit 85 and you were going 115?
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Jan 4, 2018 01:45
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Harry posted:Was the speed limit 85 and you were going 115? 70 and 105
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Jan 4, 2018 15:43
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