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Just gonna do this with inline comments:rrrrrrrrrrrt posted:My big ones for 2015: Done. quote:- Contribute over $5500 to my TSFA. I want to start eating up some of the contribution room I have there. Not done, unfortunately. Partially because I did a bad job of saving money, but also because I pivoted towards the end of the year and decided to pay off the $2500 remaining on my student loan. On top of that I did get two raises this year, one from my previous company and another from switching jobs. All and all a... partial success, I guess? I don't feel like I nailed it though.
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Dec 22, 2015 18:26
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rrrrrrrrrrrt posted:Not done, unfortunately. Partially because I did a bad job of saving money, but also because I pivoted towards the end of the year and decided to pay off the $2500 remaining on my student loan. On top of that I did get two raises this year, one from my previous company and another from switching jobs. Sounds like you nailed it pretty hard. There's nothing wrong with adjusting your goals as things progress, especially the switch was as minor as saving money vs paying a debt off. Hell, depending how you look at it, it's essentially the same thing. Additionally, don't discount getting 2 raises in the same year. In a time where people can go years without seeing any increase in pay, nailing the raise twice is pretty figgin' schweet. Good job and here's to a prosperous 2016.
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Dec 22, 2015 21:40
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Not a Children posted:I submit that the reward for a sucessful year should be a gang tag and further that it should be this: I like! Anyone who wants this and feels they deserve it, post in here with (1) Link to the post with your original goals (2) Link to the post that tells how you did
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Dec 22, 2015 22:01
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Moneyball posted:2014 has been a poo poo show for me emotionally and financially. This involves totaling one car, getting dicked around on repairs for a new one (as well as signing a terrible predatory loan from a "we finance everyone!!!" dealer, and roommate issues. In 2015, I plan to limit financial risks and plan every cent I spend as best I can. I think the biggest risk I avoided was not getting into a relationship with a girl with 92k worth of student loans and who also can't afford to make payments on them. One more paycheck to go, which should be around $1,300 split between HSA and checking account, but here's how I did: 1. Max out Roth IRA: I don't contribute at the beginning of the year, but the end- 2014 was maxed out. (2015 will be contributed by tax day) 2. Pay down car loan: Sold the lemon car. Went from a 10 year old high mileage luxury car to a 2014 economy car with about $8,800 left. 3. Pay back student loans: $26,700 left. Just paid the minimum/accrued interest 4. I got a second job that pays way more than it should for what I'm doing. It gives me about $1,000 a month to go towards debt repayment. I sort of just readjusted my situation from last year. Less car/student debt, but some credit card debt and maxed IRA/HSA accounts. One year, only a $5,000 increase in net worth. Shameful. I've picked up the pace drastically from fall to now, so 2016 is definitely the year that I get out of the red.
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Dec 23, 2015 00:32
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slap me silly posted:I like! Anyone who wants this and feels they deserve it, post in here with Just to be clear, be sure you also say explicitly that you want it, I won't inflict it on the undesiring innocent no matter your achievements 
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Dec 23, 2015 01:10
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slap me silly posted:I like! Anyone who wants this and feels they deserve it, post in here with Thanks! Guess I'll embrace it since I made it. Original and final are condensed in the quote block. Not a Children posted:EOY Update! And if it's not too much trouble, could you change my av text to "Pffft, what do squids know about spending money?" while you're knocking around in there?
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Dec 23, 2015 03:15
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slap me silly posted:I like! Anyone who wants this and feels they deserve it, post in here with I like it and I'll take it! http://forums.somethingawful.com/showthread.php?threadid=3687865&userid=0&perpage=40&pagenumber=10#post453285404
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Dec 23, 2015 04:13
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slap me silly posted:I like! Anyone who wants this and feels they deserve it, post in here with Sweet. I like it and want it. Original post: http://forums.somethingawful.com/showthread.php?threadid=3687865&userid=0&perpage=40&pagenumber=2#post439091582 November update when it was all completed: http://forums.somethingawful.com/showthread.php?threadid=3687865&userid=88303#post453310023 December final update saying I'm done: http://forums.somethingawful.com/showthread.php?threadid=3687865&userid=88303#post453946755
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Dec 23, 2015 05:57
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slap me silly posted:I like! Anyone who wants this and feels they deserve it, post in here with I want it. 1. Original goals 2. Almost done 20K liquid and tracking cash. IRA is fully funded off screen.  And this screen makes me feel good about myself 
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Dec 23, 2015 17:44
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Not a Children posted:Thanks! Guess I'll embrace it since I made it. TouchyMcFeely posted:I like it and I'll take it! Sundae posted:Sweet. I like it and want it. Happiness Commando posted:I want it. Queued, holler at me if anything looks weird once they kick in. Keep 'em coming!!
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Dec 24, 2015 02:30
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Oh man, I want that gang tag so bad. That's badass. Oh well, glad I at least set some goals up for 2016.
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Dec 24, 2015 21:17
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slap me silly posted:I like! Anyone who wants this and feels they deserve it, post in here with YES! I want it! Original http://forums.somethingawful.com/showthread.php?threadid=3687865&userid=151049#post439420460 The final update (which I guess has the original anyway, but I don't want to miss out on such a sweet tag) http://forums.somethingawful.com/showthread.php?threadid=3687865&userid=0&perpage=40&pagenumber=11#post454022171
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Dec 25, 2015 15:21
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balancedbias posted:YES! I want it! Queued!
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Dec 25, 2015 19:32
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Dead Pressed posted:Oh man, I want that gang tag so bad. That's badass. Oh well, glad I at least set some goals up for 2016. Pity tag since you started the 2016 thread! Queued
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Dec 25, 2015 19:34
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I deserve like half the tag since I accomplished half my 2015 goals
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Dec 25, 2015 19:37
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Omne posted:I deserve like half the tag since I accomplished half my 2015 goals Dude, you got married AND bought a house. 
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Dec 25, 2015 19:40
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Goals in progress: July: $325 on car loan. August - September: $300/mo. October: $400. November & December: $550. This would bring my average back up to $400/mo for the year. (Min. payment is $299.)Progress: $325 paid in July, August, and September. $425 for October. $530 in November and December. Fell short by $15, total. Shucks. Get my $6k of student loans forgiven. Progress: After 6 months of back and forth, this is DONE! Happy dance. No student loan debt. Have a positive net worth for each month in 2015. Progress: Negatory for September. Paid my October 1st tuition, which is more than I make in a month. But I paid in cash so yay! Every other month saw positive growth. No credit card debt! Progress: Accomplished! Take on no student loans! Progress: Done! Paid my October tuition in cash. Completed Goals: Save up enough for a couch and bed frame, as I don't want to take mine. All and all, not bad. Gang tag please!
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Dec 26, 2015 03:56
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spinst posted:All and all, not bad. Gang tag please! In progress!
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Dec 26, 2015 04:01
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slap me silly posted:Dude, you got married AND bought a house. Good point! I'll take it then Original: http://forums.somethingawful.com/showthread.php?threadid=3687865&userid=0&perpage=40&pagenumber=1#post438962186 Final: http://forums.somethingawful.com/showthread.php?threadid=3687865&userid=0&perpage=40&pagenumber=11#post453836663
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Dec 26, 2015 18:33
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Omne posted:Good point! I'll take it then Hahaha, my point was the opposite, getting married and buying houses are probably the two biggest BFC sins. But I guess doing it without destroying your net worth is a pretty solid accomplishment  Title change queued!
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Dec 26, 2015 19:07
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slap me silly posted:I like! Anyone who wants this and feels they deserve it, post in here with Me me me! I'm phone posting, but my last post has a link to my first post here. Any dropped numbers were accomplished except for the budgeting one, which I cancelled: http://forums.somethingawful.com/showthread.php?threadid=3687865&pagenumber=11&perpage=40#post453953123
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Dec 27, 2015 02:53
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SpelledBackwards posted:Me me me! Coming your way!
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Dec 27, 2015 03:11
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I'm looking forward to receiving next year's version after I rock 2016 
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Dec 27, 2015 03:41
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GoGoGadgetChris posted:
1- Success 2 - Success 3 - Success in that I avoided doing it. That would have been stupid. 4 - Car was totaled (while parked) and I got a great insurance payout, so success? 5 - Successssssssss Some of our cats died for no reason, so success on the bonus too. Gimme that Homer Simpson 401k badge pleeeease
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Dec 28, 2015 01:07
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GoGoGadgetChris posted:Gimme Queued. Hmm, wonder if BFC needs a Gross Cat House award
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Dec 28, 2015 01:56
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slap me silly posted:Queued. Hmm, wonder if BFC needs a Gross Cat House award Paging  Please come on down and accept your award
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Dec 28, 2015 02:00
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app posted:2015 Goals: This thread certainly motivated me and kept me honest. Signed up for 2016 goals due to the success of this thread! Maxed to the federal limit See the very last point point - $20k into eventual house down payment fund Boom - $25 k Contributed the max through payroll to reduce tax burden Well somehow we blew this away and ended at $701k. The market was slightly negative so it was almost all pure savings. On a gross income of $245k we spent $70k in taxes, $50k on all spending, and saved the remaining $125k  Changed jobs and ended up at $245k gross household income!. Sign me up for the gang tag!
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Dec 28, 2015 02:20
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app posted:Sign me up for the gang tag! Incoming!
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Dec 28, 2015 02:41
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moana posted:Do Sliding Sands down and the switchbacks up, it's much nicer. Are you staying in the crater at the switchbacks cabin or somewhere else? Funny enough, I did most of these on my own without really reading this until after I got back, minus the weed and snorkling. Magic! Did the crater like you suggested, stayed by Lahina at a fancy B&B called Ho'olio house, did the Thai Chef (but with no booze). Hell, Pacific'o was fantastic. I guess my year end check-in isn't really any different from my previous post. I'm down to ~4k in cc debt, paying down 3-500 a month, depending on how much I do in travel/if it is a 3 paycheck month. Failed overall goals, but the learning experience is something. Not too worried, since I know the major expenses is just that of keeping up a condo in Dallas, a rental in Augusta, and living apart while married with all that bullshit involved. I'll leave it to the person behind the tag if you think I deserve the sweet gang tag. Do never live apart. Hoo boy.
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Dec 28, 2015 04:09
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BossRighteous posted:I'll start things off with some current figures: 1) Pay off 2 credit cards @ $4.4k and an additional $2k in the final card (remainder of 8k) Down to $5k balance. I was really hoping our bonus checks would come in, by EOY. But when they do we'll be debt free except for the house! Also I don't know what I was smoking on those balances but our high water mark for the year was -$17.2k. So we actually paid off over $12k this year! Boom! EDIT: Bonus #1 is slated to get here on the 31st, with a post tax estimate of $1850. Gonna push that card down to $3k for $14k of debt repayment 2) Save an additional $5.8k for a $7k savings total We've been keeping a 3k balance until the cards get sorted since our monthly expenses are pretty static. 3) Release (now partially) completed Android game 4) Take on $7k in additional freelance web development clients Both of these became moot points. They were both goals when I was working part time. In April I took on a killer new full time job. Our income went from around ~$48k/y to $120k/y so that trumps any of that nonsense. 5) Don't spend any money in a casino unless it's on drinks with free music We play Bingo every week. It scratches my gambling and music itch and it's a fixed cost at $40 for the both of us. I'm cool with that. Also we have a Vegas trip planned for Feb. and not only will we be debt free for it, but we have been funneling weekly cash into envelopes for it. This is the first trip we've actually meaningfully budgeted for! Vegas is my thing and it'll be nice to be paying in cash! Other figures: $22k in various retirement accounts $39k in home equity (just shy of 19%) $18k in paid off vehicles I'm ecstatic on how well we are doing under 30! The goals shifted but I feel that's fine in light of all the positive changes. Gimme that gang tag please! root of all eval fucked around with this message at 16:21 on Dec 29, 2015 |
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Dec 28, 2015 17:37
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BossRighteous posted:3) Release (now partially) completed Android game Wow, that's a huge jump, congratulations! At that rate I'd say you get an easy pass on the Bingo as well, and Vegas definitely seems more reasonable. I lost $100 myself at WinStar on Saturday, but that's what hard cash limits are for. I started with 4 straight roulette busts and was never even close to my starting money after that. My cousin lost more than twice that... neither of which is nearly as good as the time I won $250+ in slots within 10 minutes of walking in.  On the whole I think I'm barely at even zero or just slightly negative now for lifetime gambling/lottery/scratch off losses. That'll probably get worse quickly as I started a $5-7 /month scratch off and lottery regular expense for funsies back in September. Maybe it's good that we only have one very remote casino in Texas.
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Dec 28, 2015 17:53
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SpelledBackwards posted:Wow, that's a huge jump, congratulations! At that rate I'd say you get an easy pass on the Bingo as well, and Vegas definitely seems more reasonable. Last week at bingo I was one number away from a $1000 blackout bonus game and my number was literally the next number in the hopper. All he had to do was say it  but someone else called bingo on the previous number right at the last second.
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Dec 28, 2015 18:04
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http://forums.somethingawful.com/showthread.php?action=showpost&postid=439013450 2015 Concrete Goals: - Pay off remaining $6,850 on my private student loans in 6-8 months instead of my currently projected 13. DONE - Do not break my 18 month streak of increasing my total net worth every month DONE - Obtain a net worth of at least $0 including retirement accounts. (Currently -$15,530) DONE, ~$8k - End 2015 with at least $15k liquid assets. DONE, ~$19k but will soon vanish... 2015 Fuzzy Goals: - Maintain emergency fund and various reasonable savings goals I am already allocating money to. DONE - Fund Roth IRA OR begin over-payment on Federal student loans. I don't think I can feasibly do both. PARTIALLY DONE, started overpaying but stopped to achieve next goal - Save up and move out of my uncle's house. Complicated because this involves some life decisions I haven't made yet. DONE, waiting on house to close, should be moving in by the end of Jan - Save up and go on vacation to finally visit my brother in California, because I have been intending to for seven years and it's about drat time I actually do it. NOT DONE, scheduling issues, it'll happen next year probably. - Find additional sources of income. NOT DONE,  I don't want the gang tag but do me a huge solid and give it to Veskit instead so I can dunk on him,  
100 HOGS AGREE fucked around with this message at 00:24 on Dec 29, 2015 |
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Dec 28, 2015 22:34
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T. J. Eckleburg posted:goals: I'm pretty pleased with myself - convince boss to let me go 100% remote so we can move together Now working remotely in the city we hoped to move to, while my husband goes to school. Check! - cut back to a 1 car household (stretch goal: go carless) Sold both our cars, no regrets, buses are kinda awesome. Transportation budget is a fraction of what it used to be, and we spend more time reading. Check! - save up to a total of 30k in liquid cash -- 10k emergency fund, 20k to pay for his education (stretch goal: 15k emergency fund) Hit 42k in savings, with 22k of that actually being needed for school, and the remaining 20k in an emergency fund. Check! - max out my 401k and 2 IRAs (stretch goal: also max our HSAs) Done! I worked on the stretch goal by making substantial contributions to our HSAs, but couldn't max them. Check! slap me silly posted:I like! Anyone who wants this and feels they deserve it, post in here with Can I have one?
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Dec 29, 2015 18:47
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quote:Financial 2015 Goals: quote:- Net worth to $160,000 (currently around 110,000 I think) quote:- Get a decent number of points to travel around on via churning . Keep meaning to do this but whenever I research seems like there's no straightforward way to do manufactured spending. But, even our regular CC spending is high enough to where we could get a fair number of points, so I guess that's not really a good excuse.quote:Non-financial 2015 Goals: quote:- Set new personal records for bench 1rm and mile run on my 30th birthday in November (aiming for 125% of body weight and < 6:30 respectively)
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Dec 29, 2015 21:00
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me posted:My goals really took a turn the last couple weeks for next year. I hope to have some time to revisit them in a few weeks but generally here they are: spwrozek posted:1) Done I would like the sweet new tag but not sure I totally deserve it. Divorce went well which is good. Came out financially OK for both of us also good. Haven't sold the house and am most likely going to be bought out near the middle of next year. The roommate thing has been great, an additional $6,750 this year of income. The last two goals were the real money ones and due to the divorce they didn't happen but I pay off a total of $29,896 in debt in 2015. I am pretty happy with that. So I leave it up to you slap me silly.
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Dec 30, 2015 04:11
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I feel the same way about how I finished the year. Progress, but not enough progress. I could use a new tag to liven up my profile a bit. 
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Dec 30, 2015 04:24
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Cicero posted:Yes, won 4 games. I also lost like 4 or 5 games but that wasn't part of my goal! Way to go. I wish I could've followed along this season since my coworkers (National Instruments) did so well last season, but there was no fanfare around this one and practically no games were casted. I only have WoL, so I don't think I could have even played the replays if I'd wanted to. Lame.
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Dec 30, 2015 05:09
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SpelledBackwards posted:Way to go. I wish I could've followed along this season since my coworkers (National Instruments) did so well last season, but there was no fanfare around this one and practically no games were casted. Also I beat NI's NightFury in our match so neener-neener.  quote:I only have WoL, so I don't think I could have even played the replays if I'd wanted to. Lame.
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Dec 30, 2015 05:18
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End of year update!P.D.B. Fishsticks posted:Reduce dining out spending to $150 every paycheck (two weeks). Based on my Quicken categories for last year, this will reduce my dining out expenses by about $1300 for the year, depending on how much I travel for work.* Of course, my actual savings will be somewhat less than that since my grocery bills should rise.  Success, sort of. When setting this goal, I didn't take into consideration all of the November/December people visiting from out of town for the holidays, which really jumped up my restaurant spending at the end of the year. However, I was enough below my goal for enough weeks that my average is still $137.12. I'm counting it as a victory, but I'm taking the lesson that I need to be more specific in my future goals as to whether average counts. P.D.B. Fishsticks posted:Finish paying off my student loan by the end of June. I owe about $5K (down from $89K!), and I've been throwing about $1000 per month at it (after maxing out my employer 5% 401(k) match and my Roth IRA) for the past few years, so this wouldn't be too challenging -- except that my old paid-off truck got to the point where I'd had it in the shop six times in two months, so I ended up buying a car last October, and I have a car payment again. Fortunately, literally doubling my fuel efficiency has offset the car payment somewhat, but it's brought down what I can contribute to the loan a little. At least both the student loan and car payment are under 3% interest, and I have no other debt.  Success! P.D.B. Fishsticks posted:Save up enough for an overseas vacation by the end of the year. My sister just moved to Germany last month, and I'd like to take her up on her invitation to come stay with her for a couple weeks. Given the schedule of the project I'm on at work, I probably won't be able to actually take two weeks off until early 2016, but I'd like to have the money saved up by the end of this year. Back of the envelope calculations tell me I'll need to save about $3250 (no lodging expense, but a lot of margin for error built in for the other expenses). Hopefully I'll be able to cut that down by cashing in some frequent flier miles, but I'd rather save too much and be pleasantly surprised, so $3250 seems a reasonable goal. If I can get the student loan paid off by June, I figure I can immediately start throwing the amount I was putting toward it into a savings account; anything left over will likely go to extra payments on the car.  Success! Saving for a vacation is much, much easier without that student loan. And yes, I'd be interested in getting that tag!
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Dec 30, 2015 19:10
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