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cheese eats mouse posted:This is going to be a weird year for me. I'm taking a hiatus this year from working for few months starting in April, so I have no clue about money this year!
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# ? Jan 8, 2023 08:23 |
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# ? May 2, 2024 01:15 |
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My big goals, 1. Max out 401k; front load the whole thing 2. Max out Roth IRA 3. Max out HSA 4. Save $1k/mo My small goals, 1. Eat a fancy restaurant at least once a week. Sometimes I turn into a shut-in and just work, work, work. This is a way for me to get out, meet normal people and it's no way to live just eating bagels and coffee. 2. Cook at home, Chipotle while convenient is a little pricey. Getting away from the internet, work, etc. is also a small plus just trying to cook eggs, bacon and whatever else. Gucci Loafers fucked around with this message at 17:53 on Jan 14, 2023 |
# ? Jan 12, 2023 03:19 |
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I need a new job or another raise. I also need to make a budget and stick to it because my spending while low now is probably ramp up this year for social events.
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# ? Jan 14, 2023 14:58 |
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I'll be exiting the job rotation program I'm in in June, so I'll be starting a new job and possibly moving this year. I think the best way to approach setting financial goals will be before/after the end of the program: Before Exiting: 1. Save 200/month for potential moving expenses. 2. Save additional 200/month for emergency savings. Goal emergency savings balance: $10.5K. Currently at $3.1k. 2. Continue saving 10% of income for retirement. 3. Refine budget to make sure that large recurring expenses (bulk cat food, car maintenance, ect) are being properly covered. 4. Get better at sticking to budget overall. 5. Stretch Goal: negotiate for relocation benefits if I take a job that I have to move for. After Exiting: 1. If I do move, try and find a place with cheaper rent (this one is pretty area dependent). 2. Redirect 200/month moving cost savings into HYSA. 3. Increase emergency fund savings as much as feasible. General Goals: 1. Reduce how much takeout I order by at least 1/2. 2. Try for at least 60 minutes of cardio exercise each week. 3. Try for at least 30 minutes of resistance/strength exercise each week. 4. Plant some native plants-- potted or in-ground, whatever is feasible depending on where I'm living. 5. Finish 4 cross-stitch projects. 6. Practice pattern creation. Learn to integrate pixel art techniques into patterns.
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# ? Jan 15, 2023 19:02 |
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moana posted:I wanna see your pottery! Just signed up for a class/open studio time this spring but it's been too long. I'll DM you my instagram! I have some stuff up, but most of my in progress work shows up in my stories. Portland winter weather isn't great for taking pictures outside.
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# ? Jan 19, 2023 10:33 |
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laxbro posted:I started flipping art in 2022 and have learned a ton over the past year. Made a ton of mistakes but I’ve gotten a decent strategy worked out by now. Setting a goal of 10k in profit for 2023. Flipping art, as in paintings and sculptures from young artists?
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# ? Jan 30, 2023 01:44 |
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Woof. This was a very BWM month. Put down a bunch of money for my February trip to New Orleans and my 2024 Costa Rica trip, bought most of the materials for an installation art project I'll be debuting in May, and then had some unexpected car repairs come up. In theory I've done most of my splurging for the first half of the year already, so if I can keep my spending down for the next few months these goals won't fall out of reach. Financial
Life
https://www.youtube.com/watch?v=J9zYM1D3cLk
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# ? Jan 31, 2023 15:44 |
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January Update 1. Raise net worth by $304k to $340k. $307k 2. Increase emergency fund from $18k to $20k. $18.2k 3. Make one extra mortgage payment. 0.09 extra payments made 4. Contribute a minimum of $4.4k to Roth IRA. $360 5. Stay at or under my Eating Out budget for 10 out of 12 months. 0/12. Unplanned lunch with coworkers killed it this month. 6. Explore moving my Roth IRA from Betterment to a somewhere... better. No progress. 7. Make a celebratory "11 years of YNAB" post at end of September. Not time yet. 8. Lose 15 pounds. -3 pounds. Certainly was hoping for more, but I'll take it. 8. Read 12 books. 1/12. This month, I read "Spare" by Prince Harry. I regret nothing.
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# ? Jan 31, 2023 15:45 |
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January Update 2023 Financial Goals
2023 Personal Goals
* I post when I finish a book over in TBB, but I highly recommend The Lies of Locke Lamora. A great, low-fantasy story following a con-man and his friends. ** I went through my backlog (that I keep track of on Backloggery) and recategorized games and removed things I know I'll never play. I have my "unfinished" list down to 83.8%. Now that I have things in order, I'm updating the goal to be more subjective since specific numbers would be challenging to meet (1% of my backlog is 28 games...). Good-Natured Filth fucked around with this message at 15:53 on Feb 1, 2023 |
# ? Jan 31, 2023 18:14 |
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Financial Overall: hoard money to buy a house. • Add 13k to my savings. On pace with $250 a week, haven't need to tap the account. • Curb my bullshit spending on collectibles. So far 4 extraneous things bought, but I was able to cover most of one by selling other poo poo. • Get a raise next October. Waiting and seeing. Personal • Get to bed on time, bitch. Lol, failure so far. • No new craft projects or mediums. Nothing new bought, no projects completed yet either. • Buy no more than 5 video games. 0/5 purchased. • Beat 5 games, read 5 books, watch 5 DVDs. 0/5 games. 0/5 books. 3/5 DVDs. Might not need this category next year, my backlog is dwindling! • Keep decluttering. One load went to the thrift store, the next box is getting pretty full. Going slow and scattershot, but going. • Play more bass. I'm a bad person who hasn't practiced, but my interest level in it is up. • Cook more often/ find new recipes. Got a recipe book for Christmas, have yet to do poo poo.
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# ? Jan 31, 2023 19:41 |
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January Update 2023 Financial Goals 1. Repay myself - $737 of $4,490 2. Contribute full amount to 401(k) - Set on auto, on track 3. Contribute full amount to IRA - Done 4. Get veterinary e-fund back to $3000 - $508 of $3,000 5. Sell old company stock - Looking into this 6. Rollover old 401(k)s and HSAs - One transfer initiated 7. Stretch: Extra house payment 8. Reevaluate goals in July 2023 Personal Goals 1. Find a new primary doctor - Done 2. Yoga at least x2 a week - lol nope 3. Cut down on eating out - Done ok so far with this, stayed within budget so pretty happy 4. Read 15 books - 0 of 15, in the middle of a book but haven't finished yet
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# ? Feb 1, 2023 05:08 |
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Thanks for the Ethan Frome recommendation, I ended up reading Summer and The Bronner Sisters and got thoroughly depressed by Edith Wharton. Of the Farm by Updike was equally depressing. More colonially depressing was Coetzee's Waiting For the Barbarians which was phenomenal. Then I thought I should go for something more uplifting so I reread Blood Meridian. Actually, I've started out with a string of really good books. The Three-Body Problem was super fun scifi, and then I read The Wright Brothers which was so immersive, I want to read more of that author. Then the new David Sedaris collection. I DON'T HAVE TIME TO READ BOOKS okay well Here are a couple of my favorites short stories from the 20 Under 40 collection in 2010. All from the New Yorker: https://www.newyorker.com/magazine/2010/07/05/the-erlking A delightful parental horror. https://www.newyorker.com/magazine/2010/06/14/the-pilot More awkward to read than watching The Office, such a great cringe character. https://www.newyorker.com/magazine/2010/06/14/here-we-arent-so-quickly Oh my god this one made me cry and then I made my husband read it and he told me never to make him read anything again. moana posted:Gooooooooals!
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# ? Feb 1, 2023 05:10 |
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January update Financial:
Apartment:
Projects:
Life/general:
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# ? Feb 1, 2023 12:15 |
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January Update Alright, let's see how pretty & organized I can make this post look... Financial - $5,000 travel (keeping in mind that I have two trips coming up) I'm still not really sure how to track this. Technically I have -$2,033.59 to go, but I'm going on at least three trips this year and I still haven't dipped into the reserves yet. - $8,000 new apartment Yeah, I'm using my emergency fund to pay for a new apartment. My rent is supposed to go up by $300+ -- why not get another, better apartment with more bedrooms in a building with a laundry room & gym for the exact same price? - $20,000 emergency $4,620.05 to go (this will change after I sign the upcoming lease) - $5,000 bills $1,540.96 to go Personal (habits) - get out of bed before 10am at least six days a week This has been a resounding success. The only day I got out of bed after 10 was the second day after my period, which is the Doomsday, which deserves an exception. - walk at least one mile a day at least six days a week - listen to at least 3 hours of NRK Alltid Nyheter a day (jeg må øve! ) - limit five takeout/order-in meals a week Getting there but not quite, for all three of these goals. Listening to Alltid Nyheter feels like doing brain yoga. Personal (one-timers) - buy a new computer DONE. A nice little Acer TravelMate. - have my fibroids removed (or the whole uterus, whatever works) - have my wisdom teeth removed - buy a drat vacuum Eeeeehhh I'll get around to it, for all three of these goals.
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# ? Feb 1, 2023 20:43 |
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Doccykins posted:Happy New Year all, lets hope this year is more profitable than last. Most of my goals this year are rolled from last year just because I managed to complete the grand total of 1 goal (short term savings) last year... End of January - Pension Pot £109k - ISA £10k - Short Term Savings £5200 - NW £146k - Decided on fabric, just need to get the living room curtain made up - Booked flights/accommodation/transfers - DID NOT RUN. MORON. - Playing a bit of piano during lunch hours, have got the major scales down and am starting plinky plonky pop chords (I can mangle Stay by Rihanna) - Not looked for a teacher yet - One of the valves in the boiler popped during the coldest week in the last year because of course it did, Emergency fund to the rescue on that one. Also still need to bolster the back fence before the next heavy winds. Our neighbour is shaming us by getting hers done today.
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# ? Feb 2, 2023 11:30 |
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Well, I got laid off the day after I made my post. Not sure how to keep up with my financial goals now, but I'll be sprucing up my resume in the meantime.
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# ? Feb 4, 2023 17:16 |
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YeahTubaMike posted:Well, I got laid off the day after I made my post. Not sure how to keep up with my financial goals now, but I'll be sprucing up my resume in the meantime.
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# ? Feb 4, 2023 19:42 |
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laxbro posted:Hoping to get some side hustles really moving in 2023. I would be interested in learning about your lived experiences related to selling art.
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# ? Feb 20, 2023 01:17 |
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Goals: idk, stack more paper
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# ? Feb 20, 2023 01:19 |
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Goal this year is to get my brokerage account to have more money than my Roth IRA. As of today ~$18K to go
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# ? Feb 22, 2023 02:51 |
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spwrozek posted:Goal this year is to get my brokerage account to have more money than my Roth IRA. As of today ~$18K to go
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# ? Feb 22, 2023 12:48 |
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Dik Hz posted:I mean, there's two ways to accomplish this. Get a $20k bonus and then chip away? Might work.
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# ? Feb 23, 2023 03:45 |
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February report: Another BWM month. It turns out that vacations are expensive, y'all. Financial
Life
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# ? Feb 28, 2023 12:27 |
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February round up!Turbinosamente posted:Financial My time management skills are the real problem here....
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# ? Feb 28, 2023 13:04 |
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February Update 2023 Financial Goals
2023 Personal Goals
Good-Natured Filth fucked around with this message at 20:59 on Mar 1, 2023 |
# ? Feb 28, 2023 21:49 |
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So, as I said earlier, I got laid off on February 2. The only decent chance I seem to have so far is for a part-time, 3-month contract position that I am grossly overqualified for & would be grossly underpaid for. At least it's something? At least I got severance. Also, for the record, I'm leaving my completed goals up here just to remind myself of my successes. I'll remove them if they take up too much space. Anywaaaayyyy... February Update Alright, let's see how pretty & organized I can make this post look... Financial - $5,000 travel (keeping in mind that I have two trips coming up) I'm still not really sure how to track this. Technically I have -$-1,455.65 to go; I dipped into it to pay my share of the family cruise money. - $8,000 new apartment Not sure how to track this either. I don't have an official "apartment fund", I've already moved into the new place, and I've been using my emergency fund to pay for rent & food. Should I just cross it out? - $20,000 emergency $3,918.79 to go - $5,000 bills $-2,148.32 to go Personal (habits) - get out of bed before 10am at least six days a week Still going strong. - walk at least one mile a day at least six days a week I don't know if this counts as a win, since I've only been doing it because I've been moving my stuff -- little by little -- out of my old apartment that happens to be a mile away. I'm going to count it as a win anyway, just for this month, and I'll keep it in my to-do list just in case. - limit five takeout/order-in meals a week This has been a MASSIVE failure, and here's why -- my apartment's fridge was broken until literally yesterday. I'll get back to this though; I've missed milk & eggs so much - listen to at least 3 hours of NRK Alltid Nyheter a day (jeg må øve! ) Between moving and getting laid off, I'm a little too stressed & busy to focus on brushing up on my Norwegian skills. Personal (one-timers) DONE. A nice little Acer TravelMate. - have my fibroids removed (or the whole uterus, whatever works) - have my wisdom teeth removed Let's get insurance first. - buy a drat vacuum Let's get income first.
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# ? Mar 1, 2023 17:23 |
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March Update Current State - My student loans: 170k, currently 0% interest, no payments until Summer 2023 - Mortgage on 30 year fixed at 2.875% Financial Goals for 2023 - Max out Backdoor Roth IRAs for me/wife Done - Max both of our 401ks/Mega Backdoor Roths On track - Put 10k/month in to taxable Still putting in 15k/month. Should be easier to keep it high later in the year. - Put 3k/month in to savings On track - Fund Baby Evil's 529 with an extra $20k Waiting for the tax refund - Increase net worth to the next million Have been flirting with this over the past few weeks. We've been above/below. - Figure out what to do with student loans this summer Angrily hoping I never have to pay these back.
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# ? Mar 1, 2023 17:44 |
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Financial Max various retirement accounts incl 401(k), IRA, HSA - All on pace Contribute $2K to 529 in order to maximize state income tax benefits. - Not done yet Save at least $60K towards house down payment - $58K/$60K Identify an accountant in case tax situation gets much more complex in 2023 - not done yet Migrate our stupid low yield CD that's up in January in to a T-Bill ladder or something similar - not done yet, it's just sitting in HYSA for now $10K I-Bond purchase not done yet Nonfinancial Go skiing 10 days in the year - 1/10 days, not on pace. Have 8 upcoming in the schedeule. lousy winter in New England; nothing Use all my vacation time - 0 used, not on pace. 3/25 to be used in March Read 25 books - 4/25, on pace Exercise 150+ days - 21/25, not on pace Need to buckle down and get some things done in March, particularly catch back up with exercise goal. KYOON GRIFFEY JR fucked around with this message at 18:08 on Mar 1, 2023 |
# ? Mar 1, 2023 18:04 |
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Forgot about this guy. Time to a double update I guessThe SituAsian posted:(I think) first time posting in one of these
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# ? Mar 2, 2023 00:43 |
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The SituAsian posted:-Declutter my lifestyle by selling off Magic: The Gathering collection, selling (or giving away) spare electronics/computer parts as well as giving away clothes I don't wear/no longer fit me anymore. - Did manage to catalogue most card with some value though I probably want to pull the trigger on this sooner rather than later as long as Wizards/Hasbro insists on killing the game. Also gave away an old laptop to my dad. Slightly off topic but how exactly are they killing the game, is it the too many expansions complaint I've been hearing about recently? I was on the fence about playing MTG Arena instead of Pokemon Live as I recall MTG being more fun to play when I had the cardboard. To wrap it back to something closer to on topic (since we both have decluttering goals) I've got a spreadsheet open that I'm about to prioritize my video games with and both TCG clients are being counted as games on the sheet. Already doing such with my art and craft project ideas really helped me figure out what to do next, and more importantly which projects to drop as they weren't brilliant ideas at a second glance. I'm hoping the same will be true after I do the video games, especially with the dropping of games that didn't click with me. I don't have time to play all this poo poo anymore.
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# ? Mar 2, 2023 01:52 |
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Financial Goals: Continue to max out my 401k On Track Help my spouse set up a retirement solution Waiting on this Pay off at least half of home renovation loans. Loan has increased, but still on track Personal Goals: Take better care of my physical and mental health ...We'll see Publish something On Track Well, some things are going well - I negotiated a 35% raise for job 1 that'll be effective in April, so that's a big step taken care of. We also cut back on discretionary spending by quite a bit. The less good news is that my spouse was fired from her job before she had the private practice set up, so ready or not, I'm supporting her move to full-time private practice effectively immediately. The home renovation budget has also ballooned by 30% after we made decided to expand the scope of the renovation, which I don't regret but has put a lot of extra pressure on us. But, I'm still on track to max out my 401k, and while I'll need to figure out a retirement solution for my wife, that can wait until she's settled in and the practice is up and running. We'll probably go with a traditional IRA and set up some automatic payments. And while I'm certainly feeling like money is tight at the moment, that's going to go away once I'm not trying to fill the hole in the renovation budget, my raise goes into effect, and I get my annual bonus. Lots of time between now and the end of the year, and all the goals are still easily achievable.
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# ? Mar 2, 2023 02:04 |
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February Update 1. Raise net worth by $304k to $340k. $315k 2. Increase emergency fund from $18k to $20k. $18.4k 3. Make one extra mortgage payment. 0.19 extra payments made. 4. Contribute a minimum of $4.4k to Roth IRA. $920 5. Stay at or under my Eating Out budget for 10 out of 12 months. 1/12. Phew. 6. Explore moving my Roth IRA from Betterment to a somewhere... better. No progress. 7. Make a celebratory "11 years of YNAB" post at end of September. Not time yet. 8. Lose 15 pounds. -3 pounds. No progress this month. 8. Read 12 books. 6/12. I read a lot in February! You should read Demon Copperhead by Barbara Kingsolver.
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# ? Mar 2, 2023 02:17 |
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Turbinosamente posted:Slightly off topic but how exactly are they killing the game, is it the too many expansions complaint I've been hearing about recently? I was on the fence about playing MTG Arena instead of Pokemon Live as I recall MTG being more fun to play when I had the cardboard. To wrap it back to something closer to on topic (since we both have decluttering goals) I've got a spreadsheet open that I'm about to prioritize my video games with and both TCG clients are being counted as games on the sheet. Already doing such with my art and craft project ideas really helped me figure out what to do next, and more importantly which projects to drop as they weren't brilliant ideas at a second glance. I'm hoping the same will be true after I do the video games, especially with the dropping of games that didn't click with me. I don't have time to play all this poo poo anymore. In hindsight that might not really be a fair statement because at this point I haven't played in years am only a peripheral observer to the goings on of the game-mainly due to how I worry it might affect my collection's value or if I'm bored on Twitch and pull up a livestream-but the biggest issues just seem to be creep in terms of product. Releasing too many sets too often like you mentioned but also just too much product and a lot of it geared towards big spenders than the average casual player. I know they've started to go outside of the established multiverse and begun adding products with different IP (e.g. Warhammer, D&D, the Tolkien-verse) as well.
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# ? Mar 2, 2023 02:20 |
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The SituAsian posted:In hindsight that might not really be a fair statement because at this point I haven't played in years am only a peripheral observer to the goings on of the game-mainly due to how I worry it might affect my collection's value or if I'm bored on Twitch and pull up a livestream-but the biggest issues just seem to be creep in terms of product. Releasing too many sets too often like you mentioned but also just too much product and a lot of it geared towards big spenders than the average casual player. I know they've started to go outside of the established multiverse and begun adding products with different IP (e.g. Warhammer, D&D, the Tolkien-verse) as well. Huh, a slightly different issue than Pokemon's in game power creep. At least Pokemon International are smart enough to have more common versions of cards that aren't as pricy as the big pretty shiny. Welp, MTG Arena is second to last on a list of four games I *might* want to buy, just above one that may never come out.
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# ? Mar 2, 2023 02:58 |
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spinst posted:8. Read 12 books. 6/12. I read a lot in February! You should read Demon Copperhead by Barbara Kingsolver. edit: and if any of your moms need a book rec, Killers of a Certain Age was a super fun thriller about a retired women's assassin group.
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# ? Mar 2, 2023 04:38 |
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February update Financial:
Apartment:
Projects:
Life/general:
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# ? Mar 2, 2023 12:40 |
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EricBauman posted:
I hope your recovery goes swiftly and without complications!
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# ? Mar 2, 2023 12:49 |
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Good-Natured Filth posted:I hope your recovery goes swiftly and without complications! Thanks! Things are finally looking up after a very bad few weeks, now that I've had the surgery. Looks like I'm going to have to be careful with what I eat for the rest of my life, but that's a small price to pay
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# ? Mar 2, 2023 13:17 |
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If you want test users for your time tracking app I’d potentially be interested - presuming it’s oriented towards tracking project / billable time and not some kind of personal time tracking app.
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# ? Mar 2, 2023 13:31 |
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# ? May 2, 2024 01:15 |
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Tibalt posted:Financial Goals: Sticking my nose in here, but when I ran a practice I was lazy and did the trad IRA route and the tax benefits were garbage. In hindsight, a solo 401k is 1000% better and is available to her if she can prove she’s running her business. Just something to look in to!
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# ? Mar 2, 2023 16:25 |