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Butt Wizard posted:Wow. So this hasn't worked out at all. Currently unemployed. Still haven't paid off car. There's a lot of not great stuff going on at the moment and I have bigger fish to fry. I haven't blown much on stupid poo poo, so I'm going to be afloat for a little while. But pretty much none of this stuff really panned out, despite how relatively straight-forward it should been. Bummer  Hang in and fry the bigger fish. Life sometimes intervenes to make the seemingly straightforward poo poo troublesome so it's not just you.
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Dec 14, 2014 02:52
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Butt Wizard posted:Wow. So this hasn't worked out at all. Currently unemployed. Still haven't paid off car. There's a lot of not great stuff going on at the moment and I have bigger fish to fry. I haven't blown much on stupid poo poo, so I'm going to be afloat for a little while. But pretty much none of this stuff really panned out, despite how relatively straight-forward it should been. slap me silly posted:Bummer Yeah, this. Failure is part of learning. Relapse is part of recovery. It's a marathon, not a sprint. Etc. Though, I mean, sometimes you just have to HTFU and get over your excuses. I hope you have the wherewithal and resources to do your best.
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Dec 14, 2014 03:16
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TouchyMcFeely posted:2013 went really well so here's to hoping for the same in 2014! ...So 1 out of 3 ain't so bad, right? Missed goal #1 by about $21,500 because goal #3 went down in a ball of flames. We ended up financing a new to us car after her paid off beater was going to cost twice it's value to fix. The money that would have gone into savings all year are now going to a car payment instead. The fantastic news, however, is that we are getting married in May and will have paid for our wedding entirely in cash. My initial budget was a bit short as we'll have spent closer to $15,000 when it's all said and done. Once we're past the wedding all that money will be going to the car and we should have that paid off within a year. At that point, we'll be back after goal #1. Fingers crossed for 2016! Edit: Math is hard. $18,500 not $21,500. TouchyMcFeely fucked around with this message at 03:36 on Dec 14, 2014 |
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Dec 14, 2014 03:24
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TouchyMcFeely posted:will have paid for our wedding entirely in cash This kicks rear end! Good luck with the rest!
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Dec 14, 2014 03:25
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Cicero posted:Now that I have a new job offer, my main financial goal for 2014 is to negotiate more money. Following that, my primary financial goal will be to not screw it up by being a lazy idiot on the job. Cicero posted:Successfully negotiated slightly more money! Welp, guess I can check out now for the rest of the year. Cicero posted:Was able to negotiate a bit more money and haven't gotten fired yet. Boom headshot!  edit: oh yeah and while our rent is high relative to normal parts of the country, $1750/month is actually relatively cheap for the bay area now, so I guess that's a win?
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Dec 14, 2014 03:51
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Dec 14, 2014 04:11
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gently caress yeah, Cicero! ..someone make a new thread for 2015. I haven't made goals yet or I would.
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Dec 14, 2014 04:45
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kansas posted:Wish I got it in on this in 2014. Looking forward to the 2015 thread! I really didn't have any goals to set at the start of the year. I had to figure out where the hell I was going and what I wanted to do. My business performance picked up through the year via training a staff member then I decided to make a heap of sweeping changes so any goals would have been thrown away for better goals. No goals -> buying my first house -> now trying to reinstate the passive income that I'm missing from the deposit and my cash being absorbed by my revolving credit account. I think I'll set a simple goal for next year that does not restrict the path to achieve it.
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Dec 14, 2014 05:05
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Cicero posted:Not only did I not get fired for being a lazy idiot, I had a solid performance review, got a 7k raise and a bonus worth 17% of my salary, and my boss said I looked on track for a promotion next year. Woo! Have you learned how to funnel money into retirement through After Tax 401k to Roth yet?
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Dec 14, 2014 08:09
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Tyris Flare posted:I'm fairly new to having a decent income, the husband and I have 3 kids and were a single income family until 2011 when I finally finished studying and landed a Good Job. Thanks for the prompt to update! - $1200 credit card was paid off in May, and destroyed. - I'm on track to having my car loan paid off by August! - My savings account balance is currently $8,420.51. Haven't touched it all year. All credit goes to YNAB. I started using it in February, but it took me a while to get the hang of it. I did a full restart in May and it took six months to get one month buffered. We're now 3 months ahead and I can't tell you how great it feels to have Christmas and our summer holiday covered already!
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Dec 14, 2014 12:45
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^nice going man.Sephiroth_IRA posted:1. Get out of my house and move somewhere cheaper: I'm actually in the process of doing this. holy poo poo I met my goal.  1. We moved into a much cheaper home in May. With the HOA factored in we're saving about $600 a month. 2. I think it's been about two months since I last ate out during work. 3. Medical debt is paid. 4. Met 401k matching, maxed our roths and we are now saving a lot more than we were before. 
Sephiroth_IRA fucked around with this message at 19:50 on Dec 14, 2014 |
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Dec 14, 2014 15:19
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Sephiroth_IRA posted:holy poo poo I met my goal. Well, you did start the thread that's almost totally about not eating out.
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Dec 14, 2014 16:52
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loving awesome
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Dec 14, 2014 18:22
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One more paycheck to get, but update anyway! This could be the year I finally make $50k. On track for $48.6k. So close! Continue paying $100 extra on my car loan per month. Yup By the end of 2014, I could be 6 months ahead on payments! 7.5 months ahead!  Continue contributing 10% pre-tax to my 401(a). Yup Continue contributing $100 per month to my Roth IRA. Yup Increase my emergency fund to $4200 from $1100. Emergency fund is at $5k. If I move (very possible), do it without tapping into my emergency fund. Wasn't the move I expected, but I did move, and didn't use the e-fund. Not bad!
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Dec 14, 2014 18:35
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spinst posted:
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Dec 14, 2014 19:01
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tuyop posted:Well, you did start the thread that's almost totally about not eating out. Only took that thread and 7 months for me to do it too.
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Dec 14, 2014 19:16
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Nocheez posted:Thanks to this thread, I went ahead and changed my 401k matching down to the bare minimum and opened a Roth IRA and maxed it out for 2013 and 2014. It took all of about 10 minutes total. Update: The Good: -My wife is doing awesome in grad school. She's been getting a 4.0 every semester since she went back to get her bachelor's. -We continued to put $1800/month into our new home savings account, which is now just shy of 40k. -Our combined income this year is likely to put us at the 85 percentile level. -I start a new job at the end of January, which should be much less stressful. -Healthcare at the new job has an out-of-pocket max of 500 once all the HSA money is spent. This will reduce our monthly costs for healthcare by ~$400 once everything is factored in. -We're both on board with downsizing the amount of junk in our lives. This is an on-going process but is going well thus far. -The wife just got hired on as a contractor in addition to her day job. It pays $50/hour, and she could possibly be hired in full-time once she finishes her masters and could be very lucrative. -We are still debt-free, outside of our mortgage. It's possible we could pay off the house completely next year, with some strategic planning. -We're ready to max out our Roth IRA contributions for 2015 in January. -My 401k hit 6-figures this month! The Not as Good: -My new job pays ~$20k less than my current position, and I have to give up my company car. -Next year's budget will be much tighter due to the above, so I will definitely have to start making sure I cook dinner more often and try to keep my wife from going insane from her total workload. -The wife wants me to look for a second vehicle, as she does not really like riding in my Miata (which is crazy) -We're inching closer to baby-making time, which is going to be a huge shock to our lifestyle. All in all, life is going well. I'm looking forward to getting out of corporate America and starting in my new job. My wife is an amazing person and I'm lucky to have her, and I just hope she feels the same way about me. It's very possible that I could end up being a stay-at-home dad in a few years if she ends up getting a high-paying job.
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Dec 14, 2014 22:57
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Sounds solid, man! You're gonna have to lose that Miata when the baby comes anyway, might as well roll with it 
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Dec 14, 2014 23:03
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I quoted all my updates for reference (mostly for me). We still have half a month to go but I figure I can give a general update.spwrozek posted:1)Pay $35,000 in student loans. This is a bit tricky and will depend on my bonus and maybe my wife's bonus. (Ultimate goal of all paid off before I am 30, in 27 months, which is $70k currently) spwrozek posted:Well three months in and here is how we are doing: spwrozek posted:Goal number 1 has become the only real goal. We decided that we have enough savings and that all our money should go into the loan repayment. spwrozek posted:Been a pretty interesting quarter. My wife is now on a job location for the next 2 years (started June 1st) so we don't live together which makes things kind of crazy. She gets paid a bunch for living expenses but trying to break from our plans together to the plans apart makes it tough. Long story short probably spending too much money but making some good progress at getting back on track. We made the student loan goal! Student loan payments = $38,093 Student loan principle reduction = $35,091 At the end of the month I will probably be making another $2500 payment (approximately) so those numbers should go up. The goal of finishing these before the wife is 30, in November, seems pretty doable. I think we are going to get about $4000 back in taxes (due to all the moving around and having a hard time figuring out what we were going to make) and I should be looking at about a $9000 after tax bonus in March. Other random info: Total debt beginning of the year = $339,044 Total debt projected end of the year = $308,000 (plus the extra payment I should make on the loans) Current numbers on one of our favorite topics.... these will all go up as well. Groceries for the year = $4,833 Eating out for the year = $4,227 Alcohol for the year = $1,756 (are we drunks??) I also grossed over $100K for the first time, which I was excited about. I will probably update once more with the year end numbers. I don't even want to think about next year due to some E/N crap that may or may not be happening. I will leave that for the next thread though... Good Job to everyone else for working so hard to make so many of your goals. 
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Dec 14, 2014 23:40
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Not a Children posted:Goals: Results: 1. Success! I discovered through my use of YNAB that I was leaving a preposterously high figure in my checking, so now I've got an additional ~$12k in future down payment at least earning some interest! 2. Done, obv. 3. Will just BARELY clear this with my final paycheck of the year! I upped my contribution to $675/pay plus employer match. Next year I should be able to max it! 4. Done, with one caveat -- I think I'm overpaying by a few hundred for my (very nice, perfectly located) place, so I may end up moving out once my lease expires in March. Gonna do some hunting starting in January, hopefully I'll be able to nab something cheap that I can rent for the next 3 years.
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Dec 15, 2014 16:02
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I'm going to be gone for most of December, so I'm going to check in now for the 4Q2014 update:Sundae posted:Goals for 2014: #1 - Partial Failure: Estimated final revenue for side-job: $69,200. Did not double it this year, but I'm not going to complain about >50% YoY growth. Health problems stole about 5 months this year.#2 - Success: Paid down all my remaining student loans in March. #3 - Success: Paid down $52,000 of my wife's student loans. #4 - Successish? I retained my day job and declined some offers that were substantially less than what I currently make. #5 - Success: No kids, no house, no problem. All in all, this was a mostly successful year. One of my goals was open-ended (the job thing) and the other was a failure due to poor health interfering with the side job. However, student loan debt reduction was a major success this year, so I can't really complain. Hopefully I have no major health setbacks next year, and I can work on doubling the income yet again on the side-job.
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Dec 15, 2014 16:50
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I didn't set any specific goals this year, but I wanted to join in on the end of year look-back. I like to focus on my eating out / drinking out, because I feel that's one of my biggest strengths compared to what other people spend, as I've been working on improving these habits for years, and I already started from a good spot. Despite this, I still managed to spend $191 on Fast Food (this includes pizza orders), $273 on Restaurants, $126 on Work Food (fast food bought at work, typically) and $1,476 on Alcohol & Bars. I'd say $300 of the alcohol budget was spent on booze that I still have stockpiled, as well as getting geared up for brewing beer at home, which will save money over the long run. Also, $300-400 was spent at bars downtown, which for the most part wouldn't have been spent if I weren't single. But even factoring in those things, how all this poo poo adds up is amazing, even for someone who doesn't spend a lot. $2,066 is almost 5% of my net income (net of taxes, pension). I wouldn't want to know how much someone who goes out every weekend and eats out all the time spends - I guess that's why our BFC general thread contains "Don't eat out today" in the title. Rick Rickshaw fucked around with this message at 17:21 on Dec 15, 2014 |
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Dec 15, 2014 17:14
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DJCobol posted:Max out my Roth IRA (automatic paycheck deductions already set to do this). Max out Roth - Done after this last paycheck. Max out HSA contribution - $1k to go, not sure I'll make it. There is enough in there to cover my max out of pocket for medical expenses, and another $1500 to cover some dental work that I need next year. "Oh poo poo" fund to $20k - about $2k off right now. A job change earlier this year meant I lost the company car I had, and I had to buy a used car or else I'd be way over this. Up my 401(k) contributions to 10% - Did this in June when my job changed.
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Dec 16, 2014 14:07
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Wanted to give a heads up as to my status before the end of the year here... * Create a budget and stick to it FAILED We didn't really get around to this. My wife and I have been in the process of consolidating our bank accounts and finances, so this fell to the backburner a little bit. We play it very conservative though, putting 15% and 10% into our 401(k)s, respectively. This is a goal for us next year, especially considering I got YNAB on the Steam sale and never really used it.  * Open a Roth IRA and max it out PASSED This has been going pretty well, I've been throwing $500/mo into it, with the intent of filling out the 2014 contribution by tax day. * Pay off the remainder of my auto loan PASSED, kinda Life without a car payment was sweet while it lasted! My wife's car started breaking down shortly after we paid off my car. We were able to sell it to a family friend who needed a beater, and took out a loan on a new Subaru. We really wanted to buy used but there weren't many in our area. We put enough of a downpayment on it that the monthly rate is affordable, and we will have it paid off in less than two years. We intend to keep the car until it dies, so I didn't feel out of sorts buying new vs. used.
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Dec 16, 2014 14:38
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My Rhythmic Crotch posted:- Figure out how to rollover my 401k from my old job. It's through Great West and I can't even log into their website.
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Dec 17, 2014 03:06
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Congrats!!
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Dec 17, 2014 03:08
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pancaek posted:1: Buy a home. 2014 has been a lovely year but at least my finances are in order. 1 & 1.5? Turns out the bay area real estate market is way more competitive than anticipated. I'd have better luck buying a unicorn than a home here. As for 2 and 3, I've already informed my boss that Iceland is on the docket for 2015, and names have officially been assigned to my life insurance if it ever needs to be paid out. So- 2 of 3, not bad.
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Dec 17, 2014 06:44
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Well good. Sorry it has been a poo poo year otherwise. You can keep your loving shark bits.
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Dec 17, 2014 08:49
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The contrast between this thread and the latter half of the E/N 2014 Accomplishments thread is pretty stark.
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Dec 21, 2014 09:38
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Cicero posted:The contrast between this thread and the latter half of the E/N 2014 Accomplishments thread is pretty stark. In what ways?
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Dec 21, 2014 17:05
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We're rich but they're happy.
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Dec 21, 2014 17:13
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they're all quitting weed and we're smoking BASIL errday
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Dec 21, 2014 17:30
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Cicero posted:The contrast between this thread and the latter half of the E/N 2014 Accomplishments thread is pretty stark. The true gentleman is the man whose conduct proceeds from good will and an acute sense of propriety, and whose self‑control is equal to all emergencies; who does not make the poor man conscious of his poverty, the obscure man of his obscurity, or any man of his inferiority or deformity; who is himself humbled if necessity compels him to humble another; who does not flatter wealth, cringe before power, or boast of his own possessions or achievements; who speaks with frankness but always with sincerity and sympathy; whose deed follows his word; who thinks of the rights and feelings of others, rather than his own; and who appears well in any company, a man with whom honor is sacred and virtue safe.
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Dec 21, 2014 18:08
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moana posted:they're all quitting weed and we're smoking BASIL errday At $WeDontTalkAboutItHere per gram, that's a solid financial decision!
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Dec 21, 2014 20:34
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Cicero posted:The contrast between this thread and the latter half of the E/N 2014 Accomplishments thread is pretty stark. I managed to make prolonged eye contact with a girl. I think I scared her away but it's still progress.
Sephiroth_IRA fucked around with this message at 19:51 on Dec 22, 2014 |
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Dec 22, 2014 19:46
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All right! The deadline has past. Happy new year, and all praise to just a hair more than half of the goal-makers in this thread (24 out of 47). People with exemplary goal-tracking behavior ZentraediElite Claverjoe OneWhoKnows Cicero 100 HOGS AGREE moana Sundae spinst spwrozek Immanentized Nail Rat GAYS FOR DAYS semicolonsrock Totally TWISTED Rudager tuyop Butt Wizard TouchyMcFeely Tyris Flare Sephiroth_IRA Nocheez Not a Children My Rhythmic Crotch pancaek DJCobol People who made the baby supply side jesus cry Puffin Stuff Betazoid 0zxy liquidfire TwoQuestions Evil Robot KaLogain corkskroo Lead out in cuffs Bojanglesworth GobiasIndustries The Agent nnnotime Harry dvision nyerf ASIC v Danny Bro Lelorox FizFashizzle Hip Hoptimus Prime AmazingK Golluk slap me silly fucked around with this message at 18:55 on Jan 3, 2015 |
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Jan 1, 2015 17:09
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Awards and punishments in the former of avatar changes may be dealt out randomly and/or to people who ask for them!
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Jan 1, 2015 17:17
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slap me silly posted:Awards and punishments in the former of avatar changes may be dealt out randomly and/or to people who ask for them! Mine could use refreshing.
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Jan 1, 2015 19:19
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Please use mine on one of the big jerks who didn't update their poo poo.
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Jan 1, 2015 19:48
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Totally TWISTED posted:One month to go and we are at $630 left on the credit card. Also working on an avatar change request if slap me silly will be so kind.
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Jan 1, 2015 19:58
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