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Ornery and Hornery posted:I read the entirety of “The blacktongue thief” a fantasy book and v fun.
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Feb 2, 2022 06:35
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moana posted:Oh poo poo, then your only goal should be to chill out and recover so you don't end up with long Covid. i read some milhist (Poiliu, Stalingrad on the Yangtzee, The Last Zero Fighter) of which I would only recommend Poiliu I also read a book about old roads in my hometown published by the historical society, and finally finished Dubliners, which was very good.
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Feb 3, 2022 18:55
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Current Status as of February 4, 2022. Assets Total Cash = $38,159 (- $19,289. bit drop because I maxed out two IRA's, $12,000, and two 529's, $10,000, for 2022.) Total Investments = $109,052 (+$3,861) Total Property = $536,000 (+$800) Total Retirement = $184,556 (+$6,141) Total Assets = $867,767 Liabilities Total Credit Card = $5,070 Total Other = $526 (iPhone upgrade program) Total Mortgage = $256,040 Total Liabilities = $261,636 Net Worth = $606,131
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Feb 4, 2022 22:43
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January Update! 1. Raise net worth from $260k to $310k. $274k 2. Increase emergency fund from $16k to $18k. $16.4k 3. Get fence + retaining wall replaced. Pay cash, hopefully. First estimate scheduled for next week! 4. Put away $7k for August/September expenses. $2.9k 5. Make one extra mortgage payment. 0.1 extra payments made. 6. Contribute minimum $4k to Roth IRA. $340 contributed. 7. No new consumer debt! On track.
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Feb 9, 2022 02:49
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February Update: Financial
Life
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Feb 28, 2022 18:01
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It's admirable to donate money to charity but you have thirteen thousand dollars of likely high interest credit card debt and 223 dollars in your emergency fund. Save yourself before you try to save others.
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Feb 28, 2022 18:16
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February update 2022 Financial Goals
2022 Personal Goals
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Mar 2, 2022 01:00
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Financial Goals Savings rate over 50% Not yet, not even bothering to do the math Buy new furniture, spend more than $2K and less than $5K Not yet new goal: open 529 for KG3 no Nonfinancial Goals Read 25 books. I hosed this up last year. Time to get it done. 6 so far finished one last month Exercise 150x over the course of the year. 28 back on pace, slipping a bit later in the moth because i got god drat covid Ski/snowshoe 10 days or more 8 on pace go on a nice vacation with wife recovered OK on the nonfinancial goals I was missing
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Mar 2, 2022 03:02
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End of February Update 2022 Financial Goals -Max out 2022 traditional 457b: $5163.75/$20,500 -Max out 2022 Roth IRA: $1,500/$6,000 -Finish maxing out 2021 Roth IRA Done -Retirement saving rate of over 30% annual gross income (not counting pension payments): 53% (3-month average) -Determine how I will need to prepare for a possible early retirement. Still need to post about this over on Bogleheads. Personal Goals -If and when COVID allows, schedule long deferred medical appointments (general checkup, dental, vision, psychiatric). Still waiting, but all Covid signs are encouraging -Make at least two trips to visit distant family and friends. First trip coming up in 2 weeks -Get a nice food processor and a stand-up mixer. I'll probably order these this month -As COVID allows, eat a nice meal in LA quarterly. 1 meal down, some nice gastropub stuff. -As COVID allows, play at least 1 OTB chess tournament. No action on this one yet. -Take an online course dedicated to the London for white and the Caro-Kann for black. Figure out my responses to 1.d4 as black. I've enrolled in a London course, no other progress -Get my rapid rating above 1300 on Chess.com Or this one. The situation in Ukraine has been super distracting from my actual goals. Constant doom scrolling does not mix well with being productive. Good thing all my financial stuff is essentially on autopilot.
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Mar 2, 2022 20:30
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Financial goals for FY2022 (July-June): - have a savings rate of over 50% - currently at 56% as at end of February, going to be hard to keep over 50% - increase superannuation contributions to max out concessional cap - not achieved, need to request in March - update donations to 4% of current salary - achieved, all charity amounts updated Personal goals for 2022 (Jan-Dec): - read 15 books - 1/15 completed this year so far, got a few books half-read so I think I'm on track - write & post one article every week - no progress in February, boo - listen to at least one new album every week - now 7 weeks ahead of schedule - 6 home improvement tasks - 1/6 so far
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Mar 2, 2022 22:28
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Doccykins posted:End of Jan Update whoops I'm late because I went skiing and am blowing all my goals End of February Financial Goals - Pension Pot £100k  - ISA £12k - Short Term Savings £2800 - NW £137k lol I am going backwards thanks Vlad Personal Goals - TV still on wall, Mirror still on wall, great success - Mounted Kitchen and Back Bedroom blinds, Office Blind still under construction - Living Room still has terrible carpet - Fridge Freezer / Washing Machine stretchiest goals ever - Still no newer car, old one is still going - Ran! Twice a week until last week when I went skiing for a long weekend - Did ski trip last weekend, have a weekend in Berlin booked this month, all looking up travel wise - Kinda doing better on the hour off for lunch, am still at risk of returning to form though
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Mar 3, 2022 17:28
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KYOON GRIFFEY JR posted:I also read a book about old roads in my hometown published by the historical society, and finally finished Dubliners, which was very good.
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Mar 5, 2022 20:11
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BFC: Max out backdoor Roth (done) Max out standard annual I Bond contribution (done) Max out pre-tax 401k contributions - After-tax for now since I might switch companies and get a better pre-tax match. Max out megabackdoor Roth contributions - Autopilot. Continue shifting my non-real-estate asset allocation downward from its current leveraged position of over 100% equities - Pending tax payments and such, will start making some progress toward this in March. Get another job offer at a comparable compensation range as a fallback plan and potential way to generate a counteroffer comp increase - At late-stage interviews with 2 companies, what a long process. Evaluate three points on the effort spectrum: doing as little as possible to not get fired, doing as little as possible to expect a pretty good annual review, and overemployment. (I think I've been close to that middle item for a while I think, will validate once the review comes in) - Review went fine, I think I can do very little and still be in a good spot. Makes me a lot less interested in both switching companies and overemployment. Will have more concrete ideas after the external interviews finalize. Lifespan & Healthspan: Systematize a sauna / steam room / whirlpool routine - Whirlpool was good, sauna lagged a bit, steam room still way behind. Return to sport, targeting twice a month during non-winter - Not in Feb, still winter. Have one rep in March so far. More video games. - Lost Ark. Habituate mid-day mindfulness practice - Not as much time as I'd like, but some. Proactively nurture positive expected utility friendships, more and deeper - Similar to last time, deeper but not quite more. Returning to sport looks like a path forward. Explore lucid dreaming as a way to meaningfully increase the amount of time I spend conscious - Did worse in February, keep forgetting about this at bedtime. Trying to be more thoughtful about this when I hop in the bed.
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Mar 6, 2022 16:48
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March update Current State - My student loans: PSLF'ed in January - Her student loans: - Mortgage: 15 yr fixed at 2.25% Financial Goals - Max backdoor Roth IRAs for me/spouse Done - Max my/spouse's 403b/457b On autopilot - Put in 3k/month in to taxable On autopilot - $1k/mo to each of our two kids 529s On autopilot - Goal: Increase net worth by $500k Both loans out of the way, now depends on the market - Goal: Start a small endowment for the training program I direct, or not if I jump ship Signed the documents committing to the endowment, for maximum flexibility in how funds are used had to forgo matching funds that came with too many strings attached which is unfortunate Personal Goals - Work out 5 days a week when not on service - Get stuff together for academic promotion application in July, may defer if a good job opportunity comes up without it - Learn 1 new piano piece - Actually use the cash we've been saving for the things it's earmarked for (mainly home renovation, new car for spouse) spouse wants to use some for deferred vacations, inclined to agree - More social activities now that everyone's had COVID + vaccinations - New goal, actually tend to mental health and start counseling, starting this month and will see how it goes
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Mar 7, 2022 14:46
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Current Status as of March 7, 2022 Assets Total Cash = $54,583 (+ $16,424) Total Investments = $93,068 (- $15,984) Total Property = $545,600 (+ $9,600) Total Retirement = $180,288 (- $4,268) Total Assets = $873,539 (+ $5,742) Liabilities Total Credit Card = $7,152 Total Other = $468 (iPhone upgrade program) Total Mortgage = $255,570 Total Liabilities = $263,190 Net Worth = $610,349
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Mar 7, 2022 16:50
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March Update Current State - My student loans: 170k, currently 0% interest, no payments until May. - Mortgage on 30 year fixed at 2.875% Financial Goals for 2022: - Max out Backdoor Roth IRAs for me/wife: Done - Max out wife's Mega Backdoor Roth. On track - Max my 401k when I become eligible this summer. - Put in 11k/month in to taxable. On track - Put in 3k/month in to savings. On track - Start a 529 plan for Baby Evil. Baby Evil just arrived! Will plan to do this later this year.  - Increase net worth to the next million. RIP the market. - Stretch: Increase net worth to next 500k. RIP the market. - Look in to refinancing student loans after 0%/forbearance ends in May. It looks like I will be getting a Very Large Raise this June/July, so hopefully things will improve on some of the above fronts.
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Mar 7, 2022 18:34
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Residency Evil posted:- Start a 529 plan for Baby Evil. Baby Evil just arrived! Will plan to do this later this year. congrats, hope mom and babb are doing well!
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Mar 7, 2022 18:42
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Basically nothing is on track. I look forward to updating in April.
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Mar 7, 2022 20:01
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February Update! (Late!) 1. Raise net worth from $260k to $310k. $270k. RIP net worth goals! 2. Increase emergency fund from $16k to $18k. $16.4k 3. Get fence + retaining wall replaced. Pay cash, hopefully. Estimates gotten, accepted one, paid first half in Feb. (Total Cost: $11.2k  )4. Put away $7k for August/September expenses. $2.8k 5. Make one extra mortgage payment. 0.2 extra payments made. 6. Contribute minimum $4k to Roth IRA. $680 contributed. 7. No new consumer debt! On track. Had to rob a few savings lines on the budget to make sure I had enough cash on hand to pay for the fence, but should be able to make up what I took in April/May. March's numbers will be similarly sad, since I just paid for the other half of the fence bill, but after that things should be back on track.
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Mar 13, 2022 17:06
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March Update: Financial
Life
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Mar 31, 2022 09:02
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Omne posted:Keeping it simple again for 2022 Q1 Update: 1. On track 2. $500/$500/$500 3. $100/$100/$300 4. $0/$0/$396 5. $100/$200/$200 Personal: 1. Ahead of schedule, 9/20 complete 2. 21/9/12. So I failed two months, but overall I'm at 42/45 3. Man, I ain't built poo poo
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Mar 31, 2022 16:12
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March update 2022 Financial Goals
2022 Personal Goals
Good-Natured Filth fucked around with this message at 14:19 on Apr 2, 2022 |
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Mar 31, 2022 21:14
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Financial Goals Savings rate over 50% Holding it down at 56.5% through Q1 Buy new furniture, spend more than $2K and less than $5K Not yet open 529 for KG3 no Nonfinancial Goals Read 25 books. I hosed this up last year. Time to get it done. 10 so far finished four last month Exercise 150x over the course of the year. 35 off pace due to god drat COVID, but not too badly off (on a 140 pace). need to pick it up now that I don't have COVID. Ski/snowshoe 10 days or more 8 on pace, but I have to pick up two early season next year, that is tough. go on a nice vacation with wife COVID setting me back on the non-financial stuff but glad to see that financial stuff is going mostly well.
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Apr 1, 2022 19:17
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Doccykins posted:whoops I'm late because I went skiing and am blowing all my goals End of March Financial Goals - Pension Pot £104k - ISA £12k - Short Term Savings £3000 - NW £142k Personal Goals - Mounted Office Blind, just the curtains for the Living Room and Front Bedroom to go - Nothing else purchased except for a Willow tree for the back garden that I will need to plant in the next couple of weeks. Dining chairs arrived though that we ordered and paid for at the back end of last year! - Got COVID after avoiding the bastard thing for 2 years, took it out of both of us for half of March. Was nothing to do with any of the travel I've been doing, my partner caught it just because London is a plagueland - Did at least manage to get to Berlin for the weekend before catching COVID  So Q1 I've basically managed to get back to the end of Q4 2021...
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Apr 2, 2022 12:49
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Doccykins posted:- Got COVID after avoiding the bastard thing for 2 years, took it out of both of us for half of March. Was nothing to do with any of the travel I've been doing, my partner caught it just because London is a plagueland this is exactly what happened to us, except replace London with Boston, and also cases aren't even that bad here wtf
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Apr 2, 2022 14:19
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Staggy posted:2022 Financial Goals: End of Q1 update:
Managed to avoid a massive rise in bills for now thanks to a fixed gas/electricity tariff that lasts another year. That said, it's been made clear that year-end pay reviews aren't going to touch the rising cost of everything else. Somehow, though, if you exclude my student loans (UK Plan 1 - so low interest rate, repayments only on monthly salary over a certain amount and cancelled after 30 years) my net worth just hit £100k. Which feels ridiculous and is in no small part thanks to this subforum. Hard to imagine a better rate of return on 
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Apr 2, 2022 16:42
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End of March Update 2022 Financial Goals -Max out 2022 traditional 457b: $6,833/$20,500 -Max out 2022 Roth IRA: $2,000/$6,000 -Retirement saving rate of over 30% annual gross income (not counting pension payments): 49% (4-month average) -Determine how I will need to prepare for a possible early retirement. Got some advice from the Bogleheads forum and did a lot of poking around in NewRetirement. Feeling pretty confident that retirement in my early 50's is possible. Personal Goals -If and when COVID allows, schedule long deferred medical appointments (general checkup, dental, vision, psychiatric). Man, I should really do this. -Make at least two trips to visit distant family and friends. 1 trip down, saw a lot of family and no one got COVID -Get a nice food processor and a stand-up mixer. Going to make a post with some questions in GWS, then buy whatever they recommend. -As COVID allows, eat a nice meal in LA quarterly. 2 meals down, tried Alice Water's new restaurant in LA. Very good seasonal local fare. -As COVID allows, play at least 1 OTB chess tournament. No action on this one yet. -Take an online course dedicated to the London for white and the Caro-Kann for black. Figure out my responses to 1.d4 as black. Really need to set aside time to study -Get my rapid rating above 1300 on Chess.com In the last month I've managed to firmly lodge myself in the lower 1200's. I feel like this one is possible even if I'm not studying properly. Feeling really proud this month, my net worth crossed into the 6 figures for the first time in my life. Considering that up until 6 months ago I'd never earned more than ~35k a year, it feels like a big accomplishment. The amount that I have is a testament to the power of the investments you make in your early and mid 20's. Of course, a bear market my take it all back sometime in the next decade, but I'll enjoy the number for now. GhostofJohnMuir fucked around with this message at 19:06 on May 1, 2022 |
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Apr 3, 2022 03:20
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March Update! 1. Raise net worth from $260k to $310k. $280k. 2. Increase emergency fund from $16k to $18k. $16.7k 3.  4. Put away $7k for August/September expenses. $4.2k 5. Make one extra mortgage payment. 0.3 extra payments made. 6. Contribute minimum $4k to Roth IRA. $1040 contributed. 7. No new consumer debt! On track.
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Apr 4, 2022 16:51
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March Update Financial Goals $800/month deferred compensation into 457b (Vanguard Institutional S&P 500 fund, ER 0.02%) - Done! Tempted to boost that to $1,000/month, but there are some home and car improvements around the corner so I need to save up Max out Roth IRA, stash in broad indexes - Done! Max out I bonds - Done! Personal Goals Switch to cold showers - Done, and easier the closer I get to summer Lose 15 lbs (from 190 to 175) - Wavering between 175-177 day to day, which is Done in my book. Publish a story/poem - Not yet Use at least one week of leave every two months - Got some PTO scheduled for April and May, looking forward to it Reconnect with friends I let drift during covid, one message/call per week - Tricky! I've been messaging one friend in particular who will message back but doesn't seem to want to talk on the phone or discuss anything substantial. Feels like I'm at arm's length, which is his choice, but at least I'm trying.
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Apr 4, 2022 17:08
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Financial
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Apr 4, 2022 17:28
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Current Status as of March 7, 2022 Assets Total Cash = $65,011 (+$10,158) Total Investments = $95,136 (+$2,068) Total Property = $571,500 (+$25,900) Total Retirement = $186,506 (- $6,218) Total Assets = $918,153 (+$44,614) Liabilities Total Credit Card = $9,293 Total Other = $440 (iPhone upgrade program) Total Mortgage = $255,570 Total Liabilities = $263,880 Net Worth = $652,880
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Apr 4, 2022 21:42
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April Update! 1. Raise net worth from $260k to $310k. $282k. 2. Increase emergency fund from $16k to $18k. $17.1k 3. 4. Put away $7k for August/September expenses. $5.5k 5. Make one extra mortgage payment. 0.4 extra payments made. 6. Contribute minimum $4k to Roth IRA. $1380 contributed. 7. No new consumer debt! On track.
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Apr 28, 2022 15:24
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Current Status as of April 29, 2022 Assets Total Cash = $66,028 (+$1,017) Total Investments = $87,806 (- $7,730) Total Property = $581,200 (+$9,700) Total Retirement = $174,736 (- $11,770) Total Assets = $909,770 (-$8,383) Liabilities Total Credit Card = $8,038 Total Other = $352 (iPhone upgrade program) Total Mortgage = $255,099 Total Liabilities = $263,489 Net Worth = $646,281
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Apr 29, 2022 21:26
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April Update: Financial
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May 1, 2022 00:32
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April update 2022 Financial Goals
2022 Personal Goals
Good-Natured Filth fucked around with this message at 14:43 on May 1, 2022 |
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May 1, 2022 13:21
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End of April Update 2022 Financial Goals -Max out 2022 traditional 457b: $8,541/$20,500 -Max out 2022 Roth IRA: $2,500/$6,000 -Retirement saving rate of over 30% annual gross income (not counting pension payments): 45% (5-month average) -Determine how I will need to prepare for a possible early retirement. After some reading I think I'm in a good enough planning spot for probably the next 5 years Personal Goals -If and when COVID allows, schedule long deferred medical appointments (general checkup, dental, vision, psychiatric). Dental checkup done. Glad I made time for that. Now I just need to schedule the others. -Make at least two trips to visit distant family and friends. Still planning the 2nd trip -Get a nice food processor and a stand-up mixer. Done. Very happy with this purchase, already making good use of it. -As COVID allows, eat a nice meal in LA quarterly. Going to a have to plan for where to eat when my sister visits in June. -As COVID allows, play at least 1 OTB chess tournament. No action on this one yet. -Take an online course dedicated to the London for white and the Caro-Kann for black. Figure out my responses to 1.d4 as black. Got some half hearted studying in -Get my rapid rating above 1300 on Chess.com Still managing to slowly claw up through the lower 1200's This month was a little rough, I'm looking at some hefty copays on necessary dental expenses, but I guess that's why I have the emergency fund. [/quote]
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May 1, 2022 19:11
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Doccykins posted:End of March End of April Financial Goals - Pension Pot £103k - ISA £11.5k - Short Term Savings £3200 - NW £142k - Also got an unexpected payrise this year, after pulling teeth to get last year's  - should help me actually make these goals now in 7 months instead of 12Personal Goals - Planted a tree, was more rewarding than I expected  - We moved my partner's workstation to the back bedroom so the dining table is actually clear to eat at, managed to start a habit of this one - Other goals on hold while RL happens
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May 2, 2022 13:16
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A belated april update Financial Goals Savings rate over 50% Holding it down at 66% through April i think my prior math was hosed up but whatev we are doing good here Buy new furniture, spend more than $2K and less than $5K Not yet, there is no furniture to buy. I guess we bought a kind of lovely bookcase? open 529 for KG3 no Nonfinancial Goals Read 25 books. I hosed this up last year. Time to get it done. 12 so far finished two last month Exercise 150x over the course of the year. 53 back on pace, doing good here Ski/snowshoe 10 days or more 8 on pace, but I have to pick up two early season next year, that is tough. go on a nice vacation with wife got it planned at least doing okay here, we may just not open a 529 yet because tax advantages aren't that great (100 bucks in state taxes) and we are tryin to buy House
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May 12, 2022 22:33
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May Update: Financial
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May 31, 2022 14:09
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May update 2022 Financial Goals
2022 Personal Goals
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Jun 1, 2022 14:39
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