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EAT FASTER!!!!!! posted:With the size they are and the amount you've got left remaining I'd honestly just slay them and move on to the next thing. Did you mean to post this in a rpg questing thread?
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Nov 11, 2019 15:58
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Vomik posted:Did you mean to post this in a rpg questing thread? When your balance is in the 6 figgies and your payment is 4 or 5 it does feel like Final Fantasy 6! RE I went through the same decision process. Paying off the loans is the most conservative option. I can spend more guilt free. And if/when some politician or venture capitalist succeeds in cutting physician salaries in half, it’s nice to know I can still afford my bills.
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Nov 11, 2019 16:14
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howdoesishotweb posted:When your balance is in the 6 figgies and your payment is 4 or 5 it does feel like Final Fantasy 6! Numbers go up!
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Nov 11, 2019 17:05
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November Update! Raise net worth from 129k to 159k. $168.3k GOAL SMASHED Increase house fund from 23.5k to 40k. $35.1k (not gonna meet it!) Increase e-fund from 9.8k to 12k. $12k GOAL MET Contribute $2.8k to my Roth IRA. $2.6k (on track!) Time to start thinking about next year's goals!
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Nov 27, 2019 18:51
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fuzzy_logic posted:By Feb: Feb goals: done March goals: done, though I don't think on time? May: I ended up being the one to move out lol Nov: done, 5k+ in savings and I moved my 401k from my last job into an 18 month CD  as for the loan balances, I've paid a total of around 9k but because of interest they only came down around 7k. I'll fall short there even with the extra payments unfortunately. I am paying off my small balances at the beginning of each month so I haven't carried a CC balance since spring 
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Dec 1, 2019 08:31
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November update 2019 Financial Goals:
2019 Personal Goals:
Something that isn't on my list but is in motion to happen in December or January is migration of an old employer's 401k into my personal IRA at Vanguard. They finally offered to buy out my pension (which I knew was going to come), and it'll make the severance of my ties to that company that much easier.
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Dec 1, 2019 19:18
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This continues to be a hard year. Some tough decisions.EAT FASTER!!!!!! posted:Current Liabilities - I resigned from my job effective April 1. I have two job offers outstanding. I'll be making a decision in the coming weeks about which direction to go. Thankfully we have a big, robust emergency fund and tons of money squirreled away for days cloudier and more rainy than these, so I'm grateful for all the insight and advice I've gotten from you guys throughout the past 3+ years.
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Dec 2, 2019 17:21
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Doccykins posted:2019 goals  -Zero consumer debt - Eating a home a lot last and this month (because I'm working from home a bit more and taking much needed time off) £3.6k On the warpath now >£98k. Last push.I had a lot of throughput in November becuase of various life being poo poo issues (had a bag with all my stuff in it stolen, grandad died so have helped to get my sister back to the UK from Aus for the funeral) but with insurance payout on the stolen items and my folks refunding me for sister's flights I should clear the main goal of £100k by Christmas
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Dec 2, 2019 17:58
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I'll get a 2020 thread going in the next few days. Any title suggestions?
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Dec 2, 2019 18:06
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Financial Goals 2020: Elect Bernie
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Dec 3, 2019 02:11
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I'm resuming nursing school in january and should be finishing in september, so i could use the reminder not to forget where i came from when i have enough money to not have to choose between rent and groceries
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Dec 3, 2019 02:12
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EAT FASTER!!!!!! posted:This continues to be a hard year. Some tough decisions. hows that commute shaking up
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Dec 3, 2019 02:38
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EAT FASTER!!!!!! posted:This continues to be a hard year. Some tough decisions. Hang in there my guy. And tell me how much better private practice is.
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Dec 3, 2019 11:39
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OMGVBFLOL posted:Financial Goals 2020: Elect Bernie
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Dec 3, 2019 14:03
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November Update: Goals for 2019: Increase emergency fund to $12,100 On track, the final expenses for my FIL turned out to be pretty minimal. Increase taxable investments to $74,900 On track, might be exceeded by a bit since the market is quite high at the moment. Increase net worth to $320k Off track. Increase retirement (401k + IRA's) to $74,000. On track. Currently contributing 6% of my paycheck to my 401k to maximize company match. Will top off the IRA's for my wife and I in early 2020.
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Dec 3, 2019 14:28
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KYOON GRIFFEY JR posted:hows that commute shaking up 50 minutes interstate, could be worse.
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Dec 3, 2019 22:17
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Residency Evil posted:Hang in there my guy. Let’s just say I haven’t heard the phrases “wellness” or “mandatory modules” in 4 years. EOYish update 1. Pay off student loans: 2. Increase 529 to 600/child/month. Done for the year. Debating on superfunding this for my two kids this year (3% state tax free contributions) versus heavy EOY taxable contribution. 3. Everything else basically on autopilot. Goal gross savings/debt payoff rate of 50%. Will happen, gonna do some heavy donations this year howdoesishotweb fucked around with this message at 22:48 on Dec 3, 2019 |
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Dec 3, 2019 22:43
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EAT FASTER!!!!!! posted:50 minutes interstate, could be worse. oh that ain't so bad, and if I recall you are an anesthesiologist so you have a pretty regular schedule
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Dec 3, 2019 22:57
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KYOON GRIFFEY JR posted:oh that ain't so bad, and if I recall you are an anesthesiologist so you have a pretty regular schedule I figure it’s manageable, and given that it’s an immediate $80,000 pay raise...
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Dec 4, 2019 01:03
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fuzzy_logic posted:Feb goals: done oh and my loving PLUS loan will be gone in January  I think if I really buckle down next year I can really gently caress these loans up.
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Dec 14, 2019 08:34
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Is there a financial goals thread for poor people? I'm a UK poor regardless of financial mishap and it is something I will not be able to change, but I do want to get a better handle on things. I feel kinda lost along side computer touchers and VPs.
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Dec 15, 2019 11:37
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It doesn't matter how rich/poor you are to start off with, having goals that are attainable and keep you on track to be in a better financial position at the end of next year is what counts. I get where you're coming from though so both the Incremental Improvements thread for announcing key milestones and the UK Personal Finance Thread are great resources (if I do say so myself)
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Dec 15, 2019 14:03
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Doccykins posted:Extremely helpful post Thank you, I'll check the threads you suggested! Appreciate the pointers xc
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Dec 15, 2019 17:33
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Sloth Life posted:Thank you, I'll check the threads you suggested! Appreciate the pointers xc
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Dec 15, 2019 17:44
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Sloth Life posted:Thank you, I'll check the threads you suggested! Appreciate the pointers xc  this thread isn't supposed to just be for people with high incomes, so it's a shame that it's turned out that way!EOY update, gonna declare victory and move on to 2020! Overall net worth +67K including: Max IRAs 12K - done Max my 401K 19K - done Housing downpayment fund +36K exceeded ended year at +125K, which includes a lot of market value increase. it also includes taking on roughly $14K in debt (at 1.9) for a new car. without market value increase we put +71K cash money towards various retirement and investment stuff, that's pretty good. 2020 tentative goals: something to do with exercise ski more than the value of my season pass max retirements wife graduate get job and we move to a new city and rebudget at that point! for now i'm going to put non-retirement savings goals on hold since i don't know what is reasonable.
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Dec 16, 2019 14:35
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I guess I didn't really realize what a monster the market has been in the past 12 months but I did a look-back and wowie zowie this has been a good year for +NW.
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Dec 16, 2019 14:41
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EAT FASTER!!!!!! posted:I guess I didn't really realize what a monster the market has been in the past 12 months but I did a look-back and wowie zowie this has been a good year for +NW. It's gonna make the next recession that much bigger.
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Dec 16, 2019 14:44
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The first time I posted in one of these threads I believe I was making 13 dollars an hour and I had like 41k in student loan debt.
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Dec 16, 2019 15:09
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2019 End of the year update Current State -  - My student loans: 180k, eligible for PSLF in 3.5 years - 1 car loan, 22k @ 3% - Bought a house early this year, finished refinancing to 15 year fixed at 3%! Financial Goals for 2019 - - - - - Put $5k/month in to a taxable account. NEW, set on autopilot, on track. - Pay off my wife's student loan ASAP - - Continue maxing out our 401ks - On autopilot, done for the year - Continue maxing out our HSA On autopilot - Rebuild emergency fund back to 50k (down because of some extra cash we had to put down for the house) - Annual recertification of PSLF in September DONE, although I'm a bit unclear on how likely it will be that I'll get screwed on this since we no longer qualify for a financial hardship. - No new debt Pretty happy with the way the year turned out to be honest. We paid off a bunch of student loan debt: 229k in total, which is kind of ridiculous to type out. I won't lie that part of that was due to some unexpected inheritance money that my wife received. I'm also very happy with our mortgage refi, although I'm a little unhappy with the realization of how little principal we paid off in the first year on our prior 30 year amortization schedule on a 10/1 ARM. I should have gone with a 15 year fixed in the first place, although I probably would have refinanced anyways as interest rates dropped towards the end of the year. I'll spend the end of the year thinking about goals for next year. Residency Evil fucked around with this message at 16:08 on Dec 17, 2019 |
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Dec 17, 2019 14:56
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KYOON GRIFFEY JR posted:
In all honesty, though I am starting to make an decent income, I find myself just browsing on here and not posting because so many peoples goals are "Make net worth 120k to 150k" and "Save up 25K in savings this year alone" and I don't even make 25k a year. It is a little discouraging and at times feels like it is just people bragging. Maybe come 2020, I will post more my little successes with my medium - low income. 100 HOGS AGREE posted:The first time I posted in one of these threads I believe I was making 13 dollars an hour and I had like 41k in student loan debt. noted.
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Dec 19, 2019 18:51
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DrNewton posted:In all honesty, though I am starting to make an decent income, I find myself just browsing on here and not posting because so many peoples goals are "Make net worth 120k to 150k" and "Save up 25K in savings this year alone" and I don't even make 25k a year. It is a little discouraging and at times feels like it is just people bragging. Pauper posting pact?
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Dec 19, 2019 20:17
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DrNewton posted:In all honesty, though I am starting to make an decent income, I find myself just browsing on here and not posting because so many peoples goals are "Make net worth 120k to 150k" and "Save up 25K in savings this year alone" and I don't even make 25k a year. It is a little discouraging and at times feels like it is just people bragging. A bunch of it is bragging or at least celebrating with like-minded people, since it's typically not something you can do with IRL people. That being said, please do post anyway! The community here wants people to succeed, and we're all game for cheering everyone along regardless of $20K or $200K as long as they're being GWM. It's way harder to be GWM when you make < $25K than it is when you make $Guillotine, so IMO you succeeding in hitting your goals will be loving awesome to read. 
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Dec 19, 2019 21:43
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End of year update: Increase emergency fund to $12,100. I had a error in my spreadsheet where I counted an additional paycheck in December, which was the basis for the $12,100 goal. Despite that I came pretty close and will finish the year with $11,530 Increase taxable investments to $74,900 Exceeded. There are still a few open market days in the year, but right now my taxable accounts are valued at $78,400. Increase net worth to $320k.Fell short due to the overall real estate market in Connecticut being kind of crappy, will finish the year at $314,000 Increase retirement (401k + IRA's) to $74,000. Exceeded, now valued at $81,130 combined. On track to top off my and my wife's IRA's in early January 2020. I only contribute 6% to my 401k because my investment options absolutely suck, but max out our IRA's every year
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Dec 20, 2019 13:53
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Omne posted:2018 was.....bad. Stupidly leased a car, put down a deposit on a new construction home, and now need to replace some savings. The worst is that at the end of the year, it feels my job situation is not great. That will be my number one priority starting ASAP. I won't be as aggressive with my debt payments as I could be, as I want to continue rebuilding savings and add more to our emergency fund (4 months currently) just in case. IF my position is eliminated OR we don't feel comfortable, we will walk away from the house. Even if we can't get our deposit back, I'd rather that than be saddled with a mortgage with only one of us working. I can do my end of year update now since nothing will change in the next few days... 1. Fine. Not where I want to be, but whatever. 2. Fail on this one. With the house we weren't quite able to get it back to where we want. This is goal #1 for next year. 3. My last student loan is officially down to $7460. Goal for next year is to cut it in half. I want it paid off before I'm 40 We knew this year would be tough, but thankfully we didn't put ourselves in too far of a hole. Any 0% APR purchases for the house have already been paid off, and thanks to the market gains and equity in our home, our net worth has gone from $128k in January to $256k.
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Dec 20, 2019 21:27
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Happiness Commando posted:2018 was good. 2019 will be better: Since today was my last paycheck of the year, I can tally up all my savings. In short, I both did and didn't meet each of my goals Work does give out CoL raises and doesn't give out other out of band raises  And then in September-ish, I said something that impressed the CEO and got awarded an out of band raise  It's unclear if the out of band raise replaces my next CoL raise in March, I won't know until it happens or doesn't.I didn't do a weighted average, so the percentage saved is a little under reported, but I managed to save only 38.6% of my gross income this year. Two things contributed to that: I spent a fair amount of money at Burning Man, and I spent a significantly smaller but still sizable amount of money on an AirBnB along with meals and incidentals for a bunch of friends and I to hang out for my birthday weekend. Both were good with life. If I hadn't spent that money, I would have been right around 42% again. So that's the did/didn't get a raise and the didn't for savings. The did is that Grandma died and left all of her grandchildren a sizable inheritance. She paid for Burning Man and the birthday weekend, as it were. If I include that in the figures, I saved 125.6% of my gross. Well, my gross salary. 67.2% of my gross income. Which is great. And she was a very nice woman who had a great life and it would be nice if she was still alive 
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Dec 21, 2019 01:07
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Sloth Life posted:Is there a financial goals thread for poor people? I'm a UK poor regardless of financial mishap and it is something I will not be able to change, but I do want to get a better handle on things. I feel kinda lost along side computer touchers and VPs. I've been lurking/occasionally posting in BFC since I was earning precisely 55p/hr above minimum wage (lucky me); in fact the kick that drove me to figure out How To Money Better was learning that a dickhead colleague was earning a pound an hour more than me, same job title and same office, for doing half the work. So, spite  Luckily I sort of burned spite as fuel a year or two back, so I'm doing a little better now, but I totally understand where you're coming from. If you're looking for a beginning, or just a 'how am I doing / what could I do better' MOT, though, the UK personal finance thread's a great place to start. I should really do Financial Goals for 2020, I've been on autopilot long enough - I'll take a look at my figures this weekend.
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Dec 24, 2019 17:13
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so I could say that I finally figured out what this god damned cube is doing. Get well Lowtax.
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December Update! Raise net worth from 129k to 159k. $173k  God drat, this was a good year for retirement accounts. Increase house fund from 23.5k to 40k. $36.5k I'm pretty bummed I didn't meet this goal. I had some unexpected medical expenses this year and chose to use the house fund rather than the emergency fund. Ah well. Increase e-fund from 9.8k to 12k. $12k Woo. Contribute $2.8k to my Roth IRA. $2.8 Woo. Goals for 2020? Hmm...
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Dec 25, 2019 23:29
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EOY update 2019 Financial Goals:
2019 Personal Goals:
2020 will be focused on consolidating 401k's and HSA's, continuing savings rates, budget for a family trip to Disney, and tackling the personal goals that keep getting pushed off.
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Dec 26, 2019 02:34
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ok lets see how we did hereDoccykins posted:EOY 2018  Zero Consumer Debt  Hit and miss, I am definitely heavier at the end of this year than last though so probably a failed goal all in all Calling opening a win, opened a Vanguard S&S and contributed £3,750, with growth it's at £4k  Not quite £6k but short term savings took priority, would have been £6k if I wasn't holding the other cash account Total failure, the issue is I like the work but the pay just isn't what it should be being in the charity sector. Will try again in the new year £100k baby, this is the one I am most proud of and managed to hang onto the gains through the Christmas shop. Great base to build on at the age of 32 That was my smilie infested humblebrag trip report diary 2019 thanks for reading
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Dec 30, 2019 11:47
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i made thrad: https://forums.somethingawful.com/showthread.php?threadid=3908539
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Dec 30, 2019 23:28
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