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Kashuno posted:I got approved for an apartment today, at an actual complex! Around 4 years ago, I had a 410 credit score with roughly 20k in debt and anywhere that I tried to get approval at would pretty much deny me same day. I never post in here but I lurk a lot and have got a lot of great information over the years. My credit score has shot up to just under 700 and my debt is almost entirely gone or on a good payment plan that is helping me raise my credit. I’m so excited  That’s awesome! Enjoy it and keep up the progress.
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Mar 27, 2018 03:35
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Kashuno posted:I got approved for an apartment today, at an actual complex! Around 4 years ago, I had a 410 credit score with roughly 20k in debt and anywhere that I tried to get approval at would pretty much deny me same day. I never post in here but I lurk a lot and have got a lot of great information over the years. My credit score has shot up to just under 700 and my debt is almost entirely gone or on a good payment plan that is helping me raise my credit. I’m so excited Way to go, Kash!
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Mar 27, 2018 03:42
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Got my own: Just paid off my last tuition payment for my masters after getting my reimbursement through work for last semester. Once I finish in June, I’ll have a $0 debt Masters and still have one more reimbursement coming at the end which will be around $3k I can drop straight into my savings account. On track to pay off this dumb $7k personal loan we took out through USAA last year for some home improvement we did. Last payment will be next month which is exactly 1 year after taking it out and 3 years ahead of the payment term. Then I’m planning on snowballing those extra payments into my wife’s car loan to pay that off a year early. Goal is to only have the mortgage by the end of the year and it’s goin on pace. 
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Apr 6, 2018 21:47
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Not having any student debt anymore must be an amazing feeling. Congrats, dude.
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Apr 6, 2018 22:42
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This isn't really an incremental improvement but a facebook memory popped up that really showed me how much things have changed. 2010 - graduated college with a B.S. in Psychology and started a lovely job in the mental health field in a state-run facility 2011 - laid off due to state budget cuts and got a slightly better, but still lovely job in a private/public mix mental health organization 2012 - pivoted into I/O Psychology and started graduate school 2014 - graduated and got a job in market research in D.C. and relocated to NYC later that year 2015 - realized I was hemorrhaging money because I didn't know how to budget and NYC is stupidly expensive and started using YNAB (my net worth is abysmal) 2016 - started working in the I/O field as a consultant for a firm with a large jump in pay/bonus and getting my finances in order 2017 - moved to much cheaper Chicago, have a handle on my finances, and have a positive net worth for the first time (according to YNAB) 2018 - promoted to senior consultant making more than 6x what I was making out of college, maxing my 401(k) with an additional 7% employer contributions, and on track to buy my first home around the summer of 2019 It can get better folks and the forums definitely helped me get on track with budgeting and really changing my mindset around my finances and retirement! Chaotic Flame fucked around with this message at 22:32 on Apr 12, 2018 |
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Apr 12, 2018 22:17
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Nice job. Going from (guessing here) 25-30K to 150-200K in 8 years is really impressive.
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Apr 13, 2018 05:40
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Congratulations on your financial glow up!
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Apr 13, 2018 14:22
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spwrozek posted:Nice job. Started a little lower (21K). It was a really terrible job AND in Florida. EAT FASTER!!!!!! posted:Congratulations on your financial glow up! Thanks! It feels good to be able to save and live rather than one or the other!
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Apr 14, 2018 03:33
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Still pretty awesome job!
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Apr 14, 2018 04:47
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Manager wanted to give me a 5% raise, managed to talk her up to putting in for 8%. Still has to be signed off on by regional manager, but he likes me so I'm not too worried about it. edit: Approved! BAE OF PIGS fucked around with this message at 00:53 on Apr 27, 2018 |
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Apr 20, 2018 10:57
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BAE OF PIGS posted:Manager wanted to give me a 5% raise, managed to talk her up to putting in for 8%. Still has to be signed off on by regional manager, but he likes me so I'm not too worried about it. Nice. Congrats! I’m still poor. But closing 3 big projects over the next few weeks and then I’m gonna ask for an 8% raise.
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Apr 30, 2018 21:19
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8% raises being asked for? I like what everyone is doing.
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May 1, 2018 03:37
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Last year when I graduated from my University (with a 3.6 GPA majoring in political science/economics), I managed to do so without having ever paid a single loan! Turns out, I had stayed with my parents, decided not to seek a drivers license, a car, and/or the insurance sink holes that would've caused, and I paid off my tuition with my grandmother's inheritance. So I remain debt free. Today I had a phone meeting with the VP of TD Bank's American chain regarding analytical employment, and he's planning on having me interview the head of the economics dept for a potential-experimental economist position (the first one in the US) - with other analytical positions possible besides that.
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May 1, 2018 19:37
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Just deposited a check from my publisher for my latest puzzle book for $1250 and immediately threw it at a credit card that needed a kick in the rear end. Also just found out I won the early-bird raffle at my apartment complex and get $100 off next month's rent.
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May 3, 2018 17:44
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My wife just got a 20% raise while remaining hourly (and thus overtime-eligible) at her job after arguing her merits with management (and explaining she's willing to walk away) for the past couple months.
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May 9, 2018 21:18
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I finally got around to collecting my payslips in one location and put the data into Excel, so I can get a better view (and forecast?) than napkin math from the last two or three that I remember. Turns out I'm slightly poorer than I realised (short story - I didn't think about income tax meaning that I don't get paid twice as much when I work both weeks in a fortnight), which sucks, though it's not significant enough for me to have to do anything about it. On the other hand I hadn't realised how much higher my wage is compared to when I started last January, so that was nice. And I feel a lot more prepared for tax time in a few months - even though I live in Australia so it's pretty trivial anyway, at least I understand where the numbers are coming from. Edit: on rereading, I'm not boasting about having so much money that I don't notice when I get a raise, I just forgot how low my initial wage was before I got the job permanently. uvar fucked around with this message at 23:59 on May 21, 2018 |
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May 21, 2018 22:52
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Crossposting a little from the corporate thread, but I finally got a long awaited promotion made official and it came with a 25% raise. I'm blown away that management went to bat for me on this one and now I need to avoid lifestyle creep which is hard.
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May 22, 2018 01:49
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Higgy posted:Crossposting a little from the corporate thread, but I finally got a long awaited promotion made official and it came with a 25% raise. I'm blown away that management went to bat for me on this one and now I need to avoid lifestyle creep which is hard. Congratulations! Isn't that a good feeling? One way to avoid it is to crank your 401k savings rate if you don't max it out every year.
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May 22, 2018 02:29
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Higgy posted:Crossposting a little from the corporate thread, but I finally got a long awaited promotion made official and it came with a 25% raise. I'm blown away that management went to bat for me on this one and now I need to avoid lifestyle creep which is hard. Budget Your Income! The only way I got out of the lifestyle creep cycle (and rewound some previous creep) was to start budgeting my income. I baselined on previous spending and then made sure to put additional income in retirement vehicles or my brokerage account. I found budgeting extremely helpful to consistently put money away, that way I knew that I could sock it away in something less liquid without worrying about it being unavailable and needing it.
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May 22, 2018 13:47
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I have a couple of tranches to avoid lifestyle creep. The first is to "pay myself first." I take the highest possible deductions from my paychecks into my investment retirement accounts. Once the money actually shows up, I budget every dollar. I keep discretionary categories as low as possible and I keep my "surplus" balanced to $0.00 by withdrawing the extra to a line item called retirement savings. We buy securities or ETFs as often as possible to avoid the temptation to pull money out of that pool. Sometimes expenses really do go up, but then it's a discussion between my wife and I. If we have expenses we know will be increasing we try to be creative about ways to pay for it - like increasing flex spending deductions for childcare (mitigating some portion of the increased cost for more childcare) or by negotiating for increased compensation at work. Life really will gradually get more expensive, but try to decide what your spending should be rather than having your spending dictate itself. edit: and sincere congratulations Higgy
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May 22, 2018 19:55
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I'm poor, did not receive an offer for my latest interview, did not recieve a raise this year, and everything is awful. But I'm cooking more and eating out less. So yay.
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May 22, 2018 23:15
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I had a really good review at work yesterday and received a small bump in pay (only 2% which is what everybody got) but with how much I make it's like an extra 1,600 a year. I did make them give me a pretty big raise last year about this time when I got an offer from another company, took it to my boss and got about 7k a year more and another week of vacation, so I'm pretty happy. Now if I could just stop buying stupid things and put more into savings...
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Jun 15, 2018 14:57
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CornHolio posted:I had a really good review at work yesterday and received a small bump in pay (only 2% which is what everybody got) but with how much I make it's like an extra 1,600 a year.
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Jun 15, 2018 19:40
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Ralith posted:Isn't that just barely keeping pace with inflation, i.e. an effective 0% raise? Yeah but combined with the one I forced earlier, I'm OK with it. I'd obviously like more but I got what I expected and what everybody else received.
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Jun 15, 2018 20:34
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The average raise at my current company was 2% last year, and not everyone got one. CoL in the Denver area went up by 3.5%.
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Jun 15, 2018 21:56
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22 Eargesplitten posted:The average raise at my current company was 2% last year, and not everyone got one. CoL in the Denver area went up by 3.5%. Cost of living in a smallish town in the midwest went up by two percent so at least I'm keeping up? What does kind of suck though is that our reviews were due April 1st, and we're just getting them this week - we're going to get our pay increase from then until early July all at once but it's effectively giving the company an interest free loan for three months. Whatever, more money is money money I guess.
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Jun 15, 2018 22:08
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22 Eargesplitten posted:The average raise at my current company was 2% last year, and not everyone got one. CoL in the Denver area went up by 3.5%. Our target based on how we did was 2.75% in February during the raise allocation. Some did better, others worse. I was looking around the net on COL and have a question that I can't seem to find an answer. They figure out all the prices and then build the index. All the US = 100, say Denver is 105, it is 5% more expensive to live here. Easy enough to understand. What is 100 though? $30K? $40K? $60K? Say it is $40K and COL goes up by 3.5% as you note, so now it is $41,400 that you need. So now you get a 2% raise, if you are maxing $40K, you are not keeping up. What about if you are making $80K? the 2% gets you $1600 which gets you $200 more than the COL going up. So what does 100 equal? Or does that not even matter?
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Jun 16, 2018 01:25
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spwrozek posted:Our target based on how we did was 2.75% in February during the raise allocation. Some did better, others worse. It's wealth inequality in a number. The people making more need more money obviously. 100 is a relative cost of living at your level of luxury. Also unless you literally see the pay numbers then there are likely people getting raises / bonuses that are not on that scale.
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Jun 16, 2018 02:38
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In December I completed community college at age 31 with an Associates of Applied Science in Healthcare Management. The next day I started at a well-regarded, private mental/behavioral health group practice with about a dozen clinicians and 3-4 admin staff. Just 30 hrs/wk to begin, but after 2 months I got moved to full-time with salary and benefits (not a great package tbh, but it's a small place), and 3 months after that I got 13% raise. On Friday - exactly 6 months after I started - the office manager informed me that she was demoting herself to a part-time position and naming me Administrative Lead (with raise to be discussed Monday). I'm going to write a thank-you letter to my college - I really can't emphasize how on-point the curriculum was for this kind of setting.
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Jun 17, 2018 05:18
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Flambeau posted:In December I completed community college at age 31 with an Associates of Applied Science in Healthcare Management. The next day I started at a well-regarded, private mental/behavioral health group practice with about a dozen clinicians and 3-4 admin staff. Just 30 hrs/wk to begin, but after 2 months I got moved to full-time with salary and benefits (not a great package tbh, but it's a small place), and 3 months after that I got 13% raise. On Friday - exactly 6 months after I started - the office manager informed me that she was demoting herself to a part-time position and naming me Administrative Lead (with raise to be discussed Monday). Congrats! It’s nice to hear a success story about education since we hear plenty of failures. I’m sure you also put in a lot of hard work and those promotions reflect well on you as much as your school.
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Jun 17, 2018 13:57
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Flambeau posted:In December I completed community college at age 31 with an Associates of Applied Science in Healthcare Management. The next day I started at a well-regarded, private mental/behavioral health group practice with about a dozen clinicians and 3-4 admin staff. Just 30 hrs/wk to begin, but after 2 months I got moved to full-time with salary and benefits (not a great package tbh, but it's a small place), and 3 months after that I got 13% raise. On Friday - exactly 6 months after I started - the office manager informed me that she was demoting herself to a part-time position and naming me Administrative Lead (with raise to be discussed Monday). Nice job! sounds like you have been working hard. Great to see it pay off!
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Jun 17, 2018 16:21
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I don't know what the US equivalent is, but I've started salary sacrificing, putting a bit extra into my superannuation each payslip - extra helpful because the accounts from previous jobs got drained by stupid fees while I was unemployed so I'm way behind where I should probably be. It feels like one of those dumb tricks to make money when you already have money (because of way it's taxed, every $1.50 I put in only decreases my take-home pay by $1). And I started looking into more productive uses of my savings than just beating inflation in a bank account, though I'm not going to do anything until after the new financial year - two more weeks of missed opportunity is a small price to pay for easier taxes. Not having to worry about the small things is great. I'm still far from rich but takeaway pizza only induces guilt about my waistline now.
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Jun 18, 2018 08:55
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Paid off my car this month. Feels good. Gonna re-allocate that $600/mo into our mortgage.
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Jun 19, 2018 23:37
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Maxed out my brand new Roth for the year, and upped my 401k withdrawal so that it should max it out by the end of the year. Downside is that makes me concerned about having enough to continue to grow my e-fund or failing to curb expenses enough that I start spending more then I should. I am also in the midst of a promotion and depending on when it hits and how much it is I might hit income limits for Roth, I am already on the edge but maxing my 401k to come in just under the limit.
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Jun 20, 2018 12:53
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overdesigned posted:Paid off my car this month. Feels good. Gonna re-allocate that $600/mo into our mortgage.  freeasinbeer posted:Maxed out my brand new Roth for the year, and upped my 401k withdrawal so that it should max it out by the end of the year. Don't undershoot your 401k. Your plan administrator will cap you out automatically at the limit. =Roundup(salary/limit,0) in a spreadsheet. Since it's midyear put in how much is left of each, skip forward one paycheck to make sure you cap it out. Good luck on your raise!
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Jun 20, 2018 14:42
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since my wife is a student we moved both our spotify premium account and amazon prime account to her name saving like, i dunno, eighty bucks a year
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Jun 20, 2018 15:33
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KYOON GRIFFEY JR posted:since my wife is a student we moved both our spotify premium account and amazon prime account to her name saving like, i dunno, eighty bucks a year $80 is $80!
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Jun 20, 2018 17:28
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22 Eargesplitten posted:The average raise at my current company was 2% last year, and not everyone got one. CoL in the Denver area went up by 3.5%. Yeah I just got a 2.75% raise and I live in one of the most rapidly increasing CoL metro areas in the States. More money please.
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Jun 21, 2018 23:29
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Flambeau posted:In December I completed community college at age 31 with an Associates of Applied Science in Healthcare Management. The next day I started at a well-regarded, private mental/behavioral health group practice with about a dozen clinicians and 3-4 admin staff. Just 30 hrs/wk to begin, but after 2 months I got moved to full-time with salary and benefits (not a great package tbh, but it's a small place), and 3 months after that I got 13% raise. On Friday - exactly 6 months after I started - the office manager informed me that she was demoting herself to a part-time position and naming me Administrative Lead (with raise to be discussed Monday). This is awesome, congratulations!
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Jun 21, 2018 23:30
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freeasinbeer posted:Maxed out my brand new Roth for the year, and upped my 401k withdrawal so that it should max it out by the end of the year. If you are close to hitting the ROTH phase out what are you spending all that money on that you don't think you can grow your efund... holy buckets. I mean good job and all but that just blows me away.
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Jun 22, 2018 21:08
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