|
Can confirm roommates are bomb. My rent is also about $200 (including utilities), but factoring in principal payment I'm in the money about $500.
|
#
?
Oct 7, 2017 21:43
|
|
|
|
| # ? May 18, 2024 01:46 |
|
|
Officially over 2000 in savings! I've actually hit it before, but had some minor emergencies that ran it down again. Should even hit ~2300 by the end of the month. Now have to get a secured credit card and work on the credit score more while shooting for 3400, aka a month ahead. I should be getting a raise due to more responsibility here in the next couple of months. My boss is leaving and I'm taking a chunk of his workload permenently. I have to get everything in writing though as my company likes to drag its feet with that stuff. Also going to move to a cheaper place when my lease is up next May, which will help a bunch. Edit: cash liquid savings, i have a 401k where I am maxing out the company match.
|
|
#
?
Oct 11, 2017 15:47
|
|
|
KitConstantine posted:Officially over 2000 in savings! I've actually hit it before, but had some minor emergencies that ran it down again. Should even hit ~2300 by the end of the month. Now have to get a secured credit card and work on the credit score more while shooting for 3400, aka a month ahead. All good things, congrats!
|
|
#
?
Oct 11, 2017 17:10
|
|
|
KitConstantine posted:Officially over 2000 in savings! I've actually hit it before, but had some minor emergencies that ran it down again. Should even hit ~2300 by the end of the month. Now have to get a secured credit card and work on the credit score more while shooting for 3400, aka a month ahead. Awesome, congrats!
|
|
#
?
Oct 11, 2017 17:28
|
|
|
It's so drat relieving having a cushion. Congrats!
|
|
#
?
Oct 13, 2017 14:06
|
|
|
I made the last of my student loan overpayments today; auto-pay will take care of the last $5 + whatever interest accrues in the next 15 days. Here's to being debt-free.
|
|
#
?
Oct 13, 2017 17:27
|
|
|
CaptainRat posted:I made the last of my student loan overpayments today; auto-pay will take care of the last $5 + whatever interest accrues in the next 15 days. Here's to being debt-free.  Congratulations. Keep those copies of the release of liability/confirmation of payoff in a fireproof safe. Make a copy into your email. Verify you get one for every. single. loan.
H110Hawk fucked around with this message at 18:10 on Oct 13, 2017 |
|
#
?
Oct 13, 2017 18:02
|
|
|
CaptainRat posted:I made the last of my student loan overpayments today; auto-pay will take care of the last $5 + whatever interest accrues in the next 15 days. Here's to being debt-free. Good. loving. Job. You beat me by about half a year. I'm hoping to knock mine out by May or June. Already took my payments down from $650/mo to $150/mo and it feels amazing. Buy some bubbly and buy yourself something fun. That's what I plan on doing, anyway.
|
|
#
?
Oct 14, 2017 00:30
|
|
|
4 years of budgeting: Thanks, BFC and YNAB! I've been able to: Pay off my car loan 2 years early Pay for grad school in cash Pay for extra grad-level courses for a new certification in cash, which will give me a new career option Begin saving for a house Move 3 times (ugh) without breaking the bank Start a Roth IRA (while funding my other retirement account with 10% gross) ...and I might even hit 100k net worth by the end of the year!
|
|
#
?
Oct 21, 2017 17:50
|
|
|
Based on the gradient of your networth it looks like you've had a good four years. Congratulations on all of the things you've achieved in that time.
|
|
#
?
Oct 22, 2017 22:27
|
|
|
We got married this month! And now that the month's numbers are in, we were able to pay for it without our (non-retirement) net worth going negative, even discounting all the money we got from guests/family as wedding gifts. Yay saving Also spinst that's a solid YNAB graph right there.
|
|
#
?
Oct 31, 2017 14:41
|
|
|
Breaking my posting hiatus to share this news. My goal since I started working after college was to have 6-figures in retirement accounts by the time was 30. Checking this morning and I’ve tipped over that 100k mark 6 months prior to my 30th birthday. Feels good to finally see that number.
|
|
#
?
Nov 13, 2017 18:18
|
|
|
Congrats, that's a big milestone and achievement!
|
|
#
?
Nov 13, 2017 18:32
|
|
|
Congrats on the huge news! Now see how long it takes to 10x, and then 100x 
|
|
#
?
Nov 13, 2017 21:15
|
|
|
EAT FASTER!!!!!! posted:Congrats on the huge news! Now see how long it takes to 10x, and then 100x Compound Interest, hold me in your arms.
|
|
#
?
Nov 13, 2017 22:02
|
|
|
Higgy posted:Breaking my posting hiatus to share this news. My goal since I started working after college was to have 6-figures in retirement accounts by the time was 30. Checking this morning and I’ve tipped over that 100k mark 6 months prior to my 30th birthday. Feels good to finally see that number. Here comes the 30% market downturn in 5 months  Seriously though good job.
|
|
#
?
Nov 14, 2017 00:44
|
|
|
Projected pension contribution for 2017: 33.38% of gross pay. Won't continue next year though, but it still feelsgoodman. That's basically as much contributed as in the first 7+ years of my career.
|
|
#
?
Nov 14, 2017 09:23
|
|
|
Looks like with a stock price movement that's holding my retirement funds have gone from 5 digits to 6 digits. Last time I had this much was on the run up to buying a house.
|
|
#
?
Nov 21, 2017 00:42
|
|
|
 been looking forward to this for a few weeks but had a bunch of unplanned expenses. But goodbye, university debt!**Australian tertiary loan, super friendly compared to the US system, only increases to keep pace with inflation and that doesn't happen again until next July. So I haven't touched it yet. I figure I'll put the money somewhere useful/safe for six months and see how much I can pay off when I get closer. YNAB chart below - got hired in Jan, made permanent in July. A year ago I was long-term unemployed and didn't think that red bar would ever disappear. 
|
|
#
?
Nov 21, 2017 08:32
|
|
|
Congratulations!!!
|
|
#
?
Nov 21, 2017 15:49
|
|
|
Over the past two months my wife and I have put away over $1,000 in savings. Our savings account is now sitting over $1,200. That’s the most we have ever put in without the help of a gift or tax return. My wife has kind of gotten obsessed with putting money in there, which is for the most part a good obsession.
|
|
#
?
Nov 21, 2017 22:43
|
|
|
spinst posted:4 years of budgeting: Love these! Here's almost 15 years of Quicken data:  Lessons learned: 1.) Look for a new job while still at your current job (I got very lucky I found one before the economy poo poo the bed and was able to survive the layoffs) 2.) Don't sell everything when poo poo goes downhill 3.) Spending increases with income (I think i see a slight increase in the slope after my promotion, but maybe that's wishful thinking) 4.) Money makes more money, start saving early Wifi Toilet fucked around with this message at 07:00 on Nov 24, 2017 |
|
#
?
Nov 24, 2017 06:48
|
|
|
BAE OF PIGS posted:Not the biggest achievement, but I just paid off one of my student loans, it only had ~$300 left on it, and I was going to pay it off next month on the first when I had the money budgeted for it, but I was getting antsy and just decided to pay it today. Two down, three to go, and under a $6000 balance total. Since this post in late August, I've paid off two more of my student loans. Only one left at $2491! Here is a graph of my student loan debt since I started using YNAB again in September 2016.  I'm getting way too excited about paying off these loans. Like, giddy. BAE OF PIGS fucked around with this message at 01:05 on Dec 28, 2017 |
|
#
?
Dec 28, 2017 00:58
|
|
|
Keep killing it.
|
|
#
?
Dec 28, 2017 01:03
|
|
|
Wow you did some real work this month - end of year bonus or something?
|
|
#
?
Dec 28, 2017 01:20
|
|
|
November was a three paycheck month, so I had a bit of extra money this month. I've also had a bit of a cushion built up from being frugal and sticking to my budget. I'm hoping in a few months I'll be able to post in here again to say I'm student loan debt free.
BAE OF PIGS fucked around with this message at 11:17 on Dec 28, 2017 |
|
#
?
Dec 28, 2017 02:04
|
|
|
BAE OF PIGS posted:November was a three paycheck month, so I had a bit of extra money this month. I've also had a bit of a cushion built up from being frugal and sticking to my budget. I'm hoping in a few months I'll be able to post in here again to say I'm student loan debt free. Get at it! You're almost there.
|
|
#
?
Jan 2, 2018 01:03
|
|
|
I'm no longer Discover's bitch, got an out-of-band raise a couple months ago in addition to the year-end one, and got a contract to write several puzzle books for extra dollars.
|
|
#
?
Jan 11, 2018 07:59
|
|
|
Edit: Holy poo poo it's been a while. This was July 2015.100 HOGS AGREE posted:
My net worth is just shy of 60k now. I maxed my Roth IRA for the full year for the third time in a row, hurray (Ok, I did 2016 in early 2017 but it still counts) My net worth has gone up every month since July 2013 when I started budgeting. Still got 15k in federal student loans and my mortgage (which I'm overpaying on), but I'm doin great Also got a little raise of like 100 bucks a month take home beginning this year due to a "market rate adjustment" everyone at my company got. Wasn't even my annual raise, which is nice.
|
|
#
?
Jan 16, 2018 19:45
|
|
I have a positive net worth for the first time in my adult life!!
|
that is rad, man
|
|
#
?
Jan 16, 2018 21:47
|
|
|
This is staggering to me but apparently by paying my car insurance in 6 month installments (instead of monthly billing) I am saving myself $260 a year.
|
|
#
?
Jan 23, 2018 14:40
|
|
|
Also, from a little less than a year ago, when we were carrying credit card debt to the tune of $20,000, my credit score has now climbed to 800.
|
|
#
?
Jan 23, 2018 14:54
|
|
|
EAT FASTER!!!!!! posted:This is staggering to me but apparently by paying my car insurance in 6 month installments (instead of monthly billing) I am saving myself $260 a year. Wow, which carrier does that? I guess it could also be a state regulation allowing/disallowing it. State farm in CA charges between $12-36/year regardless of the number of lines to pay monthly. (Autopay, paperless bills , and the payment plan itself each reduce it by $1/month.) I just pay the $12/year. This is auto insurance only. All of the others I have with them charge a huge % premium to pay in installments.
|
|
#
?
Jan 23, 2018 16:49
|
|
|
Progressive in Iowa.
|
|
#
?
Jan 23, 2018 17:34
|
|
|
EAT FASTER!!!!!! posted:Progressive in Iowa. What % of your annual insurance bill is that?
|
|
#
?
Jan 23, 2018 18:49
|
|
|
KYOON GRIFFEY JR posted:What % of your annual insurance bill is that? Like literally 20%.
|
|
#
?
Jan 23, 2018 18:53
|
|
|
EAT FASTER!!!!!! posted:Like literally 20%. lol i figured your insurance had to be in the stratosphere after your little... encounter... with the law
|
|
#
?
Jan 23, 2018 19:22
|
|
|
KYOON GRIFFEY JR posted:lol i figured your insurance had to be in the stratosphere after your little... encounter... with the law Story time EAT FASTER!!!!!!. Sometimes those take a policy cycle to kick in?
|
|
#
?
Jan 23, 2018 19:44
|
|
|
KYOON GRIFFEY JR posted:lol i figured your insurance had to be in the stratosphere after your little... encounter... with the law So fortuitously, the ticket I got was written as just "simple speeding, speed unspec." and it was the only ticket I'd gotten in 5 or so years so my insurance rates actually went DOWN to the tune of about $600 a year despite having to get an SR22 added. 107 in a 70 I also hadn't bid my insurance in several years. I couldn't believe it, I was pretty irate with my insurance guy, but what can you do? I should specify that's the price for 2 luxury cars, our homeowners and a pretty aggressive umbrella policy, so I don't think it's SO stratospheric. EAT FASTER!!!!!! fucked around with this message at 20:17 on Jan 23, 2018 |
|
#
?
Jan 23, 2018 20:13
|
|
|
|
| # ? May 18, 2024 01:46 |
|
|
EAT FASTER!!!!!! posted:So fortuitously, the ticket I got was written as just "simple speeding, speed unspec." and it was the only ticket I'd gotten in 5 or so years so my insurance rates actually went DOWN to the tune of about $600 a year despite having to get an SR22 added. Allegedly. quote:I also hadn't bid my insurance in several years. Ah, yeah. I don't know what the premium would be to pay monthly on the other lines (Home owners, earthquake, personal articles, umbrella.) That sounds about right, I seem to recall my life insurance was something like 15% more to pay monthly, it was absurd. 3 car lines is $12/year extra cost.
|
|
#
?
Jan 23, 2018 20:44
|
|