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MEIN RAVEN posted: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 17:11
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All you book readers should post your reads in the "What Did You Just Finish?" thread in TBB if you don't already. It's fun seeing people's thoughts on what they just finished reading, and I've loaded up my library list from goons' reviews.
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Mar 3, 2023 02:23
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End of February Update 2023 Financial Goals 1. Repay myself - $786 of $4,490 - Not great last month, gonna do better this month 2. Contribute full amount to 401(k) - Set on auto 3. 4. Get veterinary fund back to $3000 - $588 of $3,000 - One pup ended up needing an ultrasound last month, hopefully none of that this month 5. 6. Rollover old 401(k)s and HSAs - 1 transfer completed, 2 to go 7. 8. Reevaluate goals in July 2023 Personal Goals 1. 2. Yoga at least x2 a week - lol nope 3. Cut down on eating out - Still staying within budget, but last week and this week have both been not great. 4. Read 15 books - 1 of 15 - Just finished "The Southern Book Club's Guide to Slaying Vampires" by Grady Hendrix. I don't normally read horror, but it wasn't too scary and it was pretty enjoyable read.
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Mar 3, 2023 06:36
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Update: still broke so what
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Mar 3, 2023 07:46
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Ornery and Hornery posted:Update: still broke so what So you talking more to your family or what? I put a reminder in my phone to call my mom every week & that has helped me not be the worst daughter.
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Mar 4, 2023 08:20
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Mildly but not really - too busy stacking racks on racks on racks* *barely staying afloat I am happy to hear that you are chatting with your family more 
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Mar 13, 2023 10:00
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March Update! 1. Raise net worth by $304k to $340k. $320k 2. Increase emergency fund from $18k to $20k. $18.6k 3. Make one extra mortgage payment. 0.29 extra payments made. 4. Contribute a minimum of $4.4k to Roth IRA. $1280 5. Stay at or under my Eating Out budget for 10 out of 12 months. 2/12. 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. Am walking outside more and eating out less. Need to start counting calories in April since the scale isn't moving. 9. Read 12 books. 7/12. Finished Sapiens: A Brief History of Humankind yesterday. $11m of budget shortfalls means my work is talking layoffs. It currently looks like I will be safe, but it is a stressful time! The board will approve the reduced plan next month, so just a few more weeks of uncertainty, but, sheesh.
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Mar 29, 2023 15:07
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MarchTurbinosamente posted:Financial The scheduling my hobbies thing isn't really working for me, and I question if I have too many but I'm at a loss as to what ones to cut out. It is sorely tempting to just axe all retro games and keep only the switch and pc for games but I just can't bring myself to do it. 
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Mar 29, 2023 16:18
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Turbinosamente posted:It is sorely tempting to just axe all retro games and keep only the switch and pc for games but I just can't bring myself to do it. Could've bought Pocket Card Jockey on 3DS (updated port now on Apple) and been covered for gaming for the foreseeable future. Financial content... umm... setting my workplace 457 to split evenly between Traditional and Roth has saved me any angst from the news algorithm assaulting me with headlines about one being clearly advantageous over the other. Another small reward of living below my means!
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Mar 29, 2023 17:12
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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 So i now have more money in my brokerage but not all invested yet. I have about $16k to go that will be DCAed over the next 5-6 months. Just have to stick to the plan.
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Mar 29, 2023 17:26
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Space Fish posted:Could've bought Pocket Card Jockey on 3DS (updated port now on Apple) and been covered for gaming for the foreseeable future. Ha, could have but didn't buy into the end of the 3ds eshop. Joking aside, I already have more than enough games to play for the foreseeable future, which is why I'm desperately trying to prioritize them and cut the bottom of the list out.
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Mar 29, 2023 17:44
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March report: Being kinda depressed and lonely leads to some really stupid financial decisions. Financial
Life
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Mar 31, 2023 16:12
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LanceHunter posted:March report: Being kinda depressed and lonely leads to some really stupid financial decisions. Sorry to hear you're down right now. Make sure to reach out to whoever/whatever your support network is and take care of yourself first and always. A quick coffee / online gaming session / whatever with someone you haven't connected with in awhile can do wonders in my experience. My updates: March Update 2023 Financial Goals
2023 Personal Goals
* Definitely recommend Struck By Genius if you like autobiographies of interesting people you probably have never heard of. Good-Natured Filth fucked around with this message at 18:16 on Apr 1, 2023 |
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Apr 1, 2023 18:14
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So, as I said earlier, I got laid off on February 2. I start a full-time job this coming Monday. Yay (eventual) income! 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... March Update I went on a trip to Virginia for my uncle's wedding March 4-5, and a cruise with my family March 19-26, so my travel is kind of off. There's also the fact that I've needed to dip into my emergency fund to help keep myself alive during these layoff months, so I'm definitely further from my emergency savings goal than I'd like to be. Financial Crossing this out. I moved, and I'm here, and that's all.  - $5,000 travel $894.30 to go - $20,000 emergency $8,693.18 to go - $5,000 bills $-2,168.65 to go Is it a bad idea to use some "excess" from the bills savings to meet the travel savings goals? After all, 1) I've had that excess since mid-February without needing to touch it, 2) I'd still have enough left over to set the bills savings goalposts further ahead, and 3) it would give me an excuse to set the travel savings goalposts ahead too. If it's a bad idea, please tell me; it doesn't look like a bad idea from where I'm sitting but I'm a lowly n00b. 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 This has DEFINITELY not been a priority of mine lately. Getting back into a routine of any kind (*cough*work*cough*) might help, but I don't want to count my chickens before they've hatched. - limit five takeout/order-in meals a week This was a success for a little while, but I really need to stop ordering in when I'm sick/period-ing just because I'm tired/pained to cook. This is what Excedrin & weed are for. - listen to at least 3 hours of NRK Alltid Nyheter a day (jeg må øve!  )See "walk at least one mile a day at least six days a week" answer 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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Apr 1, 2023 19:27
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Sorry this is a couple of days late, but here is my… End of March Update 2023 Financial Goals 1. Repay myself - $1230.54 of $4,490 - Slowly but surely 2. Contribute full amount to 401(k) - Set on auto 3. 4. Get veterinary fund back to $3000 - $748 of $3,000 - 5. 6. Rollover old 401(k)s and HSAs - 1 transfer completed, 2 to go. Got the details on forms/instructions on how to do a second one, but they won’t do a custodian to custodian transfer, I have to receive and then send on the check. This always makes me nervous so I’ve been putting it off… 7. 8. Reevaluate goals in July 2023 Personal Goals 1. 2. Yoga at least x2 a week - lol nope 3. Cut down on eating out - Struggling with this one. Gonna try to get back on track this month. 4. Read 15 books - 2 of 15 - Read The Once and Future Witches by Alix E. Harrow. I really enjoyed it, but I love fantasy with feminist messaging so it was right up my alley.
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Apr 2, 2023 17:56
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Sure we'll do March: Financial Max various retirement accounts incl 401(k), IRA, HSA - All on pace Identify an accountant in case tax situation gets much more complex in 2023 - not done yet $10K I-Bond purchase not done yet Nonfinancial Go skiing 10 days in the year - 9/10 days It's supposed to snow this week. This weekend is probably my last shot. Use all my PTO time - 3/25 used in March so I'm not on pace but I've at least used some Read 25 books - 5/25 not on pace Exercise 150+ days - 36/38 not on pace Caught up a bit on exercise but still just off the pace.
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Apr 2, 2023 18:34
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KYOON GRIFFEY JR posted:$10K I-Bond purchase not done yet You waiting for the April inflation report, too?
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Apr 2, 2023 19:32
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March update Financial:
Apartment:
Projects:
Life/general:
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Apr 2, 2023 20:14
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Pipistrelle posted:6. Rollover old 401(k)s and HSAs - 1 transfer completed, 2 to go. Got the details on forms/instructions on how to do a second one, but they won’t do a custodian to custodian transfer, I have to receive and then send on the check. This always makes me nervous so I’ve been putting it off… I've done the non-custodial transfer twice. I can definitely understand the hesitance of that much money floating around as a piece of paper. If you hadn't planned on it when you do it, make sure to go to the post office when you're finishing the transfer and send the check via certified mail with all the tracking and junk. Adds the extra piece of mind to the transfer.
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Apr 3, 2023 00:28
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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. On Track - 88% paid off Personal Goals: Take better care of my physical and mental health On Track Publish something On Track Pretty happy with how this month went. Without going too heavily into the details, I've taken some big steps for my health that I'm pretty proud of, so I appreciate that this post let me reflect on what I've done this last month. The private practice is coming along nice, I'm hoping that she'll be able to start working by June at the latest. Her unemployment has been in limbo for two months, which is a little unfortunate and put some strain on our finances, but I'm still hopeful. As for the home renovation loans, we've been keeping roughly on track and I think we'll start making some real progress once my pay raise kicks in this month. Honestly I've been a bit frustrated lately because it felt like I wasn't making an real progress, so taking the time to look back and see how far I've come since last month was something I needed.
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Apr 3, 2023 03:18
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Good-Natured Filth posted:I've done the non-custodial transfer twice. I can definitely understand the hesitance of that much money floating around as a piece of paper. If you hadn't planned on it when you do it, make sure to go to the post office when you're finishing the transfer and send the check via certified mail with all the tracking and junk. Adds the extra piece of mind to the transfer. Thank you, this is really good advice and I honestly feel silly that I didn’t think of it. I guess I don’t mail stuff that often… but doing this will definitely make me feel better about the process! Tibalt posted:Pretty happy with how this month went. Without going too heavily into the details, I've taken some big steps for my health that I'm pretty proud of, so I appreciate that this post let me reflect on what I've done this last month. The private practice is coming along nice, I'm hoping that she'll be able to start working by June at the latest. Congrats! Fingers crossed for you and Mrs. Tibalt on the private practice!
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Apr 3, 2023 21:39
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Goals:
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Apr 4, 2023 00:32
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I've been really bad at updating this year but here's my end of Q1: - Pension Pot £111k - ISA £10.3k - Short Term Savings £5600 - Net Worth £152k - Just ordered the new fence posts to reinforce the back of the garden - The car situation is pretty much resolved; my partner's mother is getting on and hasn't driven her car since pre-pandemic, so we've finally convinced her to add me to the insurance to drive it about instead of letting it rust on her driveway. Had to fix a few minor defects, jump the battery to fire it up and run it through an MOT but it potters about nice enough now to clear this long term goal without burning the best part of 5 grand - Went skiing in the first weekend of March, had a great time and didn't break anything - Need to get back into the habit of running again... Large F on that front - Been playing around with the piano but if I'm going to improve I need to knuckle down on finding tuition - the car money will help go towards this
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Apr 4, 2023 09:36
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It's a couple days early but I'm feeling good about April so here goes:Turbinosamente posted:Financial
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Apr 28, 2023 14:10
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April Update 2023 Financial Goals
2023 Personal Goals
* What If? 2 was a very funny read.
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May 1, 2023 01:28
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April Update! 1. Raise net worth by $304k to $340k. $325k 2. Increase emergency fund from $18k to $20k. $18.9k 3. Make one extra mortgage payment. 0.38 extra payments made. 4. Contribute a minimum of $4.4k to Roth IRA. $1640 5. Stay at or under my Eating Out budget for 10 out of 12 months. 2/12. 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. 9. Read 12 books. 8/12.
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May 1, 2023 14:56
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April update Financial:
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May 1, 2023 15:24
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April Update. Still pretty BWM. Tried to sooth my troubles with a lot of fine dining and partying this month. That didn't really work, so now I need to buckle down. Financial
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May 1, 2023 16:29
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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. On Track - 86% paid off Personal Goals: Take better care of my physical and mental health On Track Publish something On Track Not a lot of change from last month. Paying our taxes didn't give us a lot of space to pay down debts, but at least I'm still moving in the right direction. Hopefully I'll make a little bit more progress in May.
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May 1, 2023 20:24
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End of April Update 2023 Financial Goals 1. Repay myself - $2,541 of $4,490 - Slowly but surely 2. Contribute full amount to 401(k) - Set on auto 3. 4. Get veterinary fund back to $3000 - $748 of $3,000 - No change here 5. 6. Rollover old 401(k)s and HSAs - 2 transfers completed, 1 to look into. - Also shout-out to Good-Natured Filth for the suggestion to send the check certified, it was enough to get me over my mental block and the transfer has been completed 7. 8. Reevaluate goals in July 2023 Personal Goals 1. 2. Yoga at least x2 a week - lol nope 3. Cut down on eating out - Did a lot better in April, going to try and keep it going this month 4. Read 15 books - 4 of 15 Pipistrelle fucked around with this message at 14:45 on May 2, 2023 |
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May 2, 2023 13:27
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Pipistrelle posted:6. Rollover old 401(k)s and HSAs - 2 transfers completed, 1 to look into. - Also shout-out to Good-Natured Filth for the suggestion to send the check certified, it was enough to get me over my mental block and the transfer has been completed It's a big accomplishment to move that much money and definitely sets you up to more easily track against some of your other goals! Congrats!
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May 2, 2023 19:34
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April Financial Max various retirement accounts incl 401(k), IRA, HSA - All on pace Identify an accountant in case tax situation gets much more complex in 2023 - not done yet Nonfinancial Go skiing 10 days in the year - 9/10 days I guess I could get a couple in in December Use all my PTO time - 3/25 not great! Read 25 books - 5/25 not on pace although i'm in the middle of two and pretty close. Exercise 150+ days - 50/50 on pace! Caught up on exercise, way behind on books. got owned by the new I-Bond fixed rate. Mostly just need to figure out an accountant, I'll probably start looking at the end of May since I believe that is when things start to slow down for those guys. edit: realized i forgot to update my exercise number. KYOON GRIFFEY JR fucked around with this message at 19:40 on May 5, 2023 |
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May 4, 2023 14:57
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Update for May - Overall, I've been doing tons more art, took a sumi-e ink painting class, joined a plein air sketching/watercolor group, doing pottery open studio. Making some headway on the loft project slowly but surely. I found a desiccated rat corpse in the wall getting rid of old insulation. My tomato/pepper seedlings are up and ready to be hardened off for mid-month planting. I started playing softball again and am finishing up coaching my kid's teeball team. Getting ready for three camping trips this month. Three words for 2023 are: compassion, positivity, art. General goals: - Keep track of all financial activity in an overall spreadsheet to make end of year planning easier ON TRACK - Go back to using a spreadsheet to track discretionary purchases WHOOPS totally forgot to do this, oh well - Make sure we're hitting 10% of total expenses as charitable expenses - ON TRACK, need to do stock transfer to Haiti charity though - Read 100 books - ON TRACK, on book #42 now (but it's Dhalgren and that should count for three books). - Make pottery and build pit in backyard to try out reduction pit firing - ON TRACK made a bunch of pots, tried a dismal pit firing with a pinch pot that cracked, oh well Garden goals: - Get compost for garden (Jan) - DONE - Plant a bunch of pumpkins (March/April) NOPE - Plant flowers for cut garden on top of leach field (April) DONE - Get curly willow cuttings and make wreaths to dry out (April/May) NOPE - Do mother's day succulent pots for neighborhood (May) NOPE - Get more blackberry cuttings and plant them up in front yard (May/June) - Do at least 20 hoshigaki (September/October) - Don't buy any more houseplants. Keep the ones I have alive. Split some to give away as presents. DONE DIY goals: - Build loft in garage (Jan/Feb) - DONE - Hire out electrician (Feb) - DONE - Insulate and build floor (Feb) - Insulation DONE, floors waiting on drywall - Hire dry wall guys (March) DONE, only 2 months late - Restain the back deck (May) - Paint garage (May)
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May 5, 2023 06:17
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April Update Yet again, I have travel plans. Going to Atlantic City for a nice Mother's Day weekend.  Plus, I'm going to the Trondheim Beerfest in August and I want to book flight/hotel/cat-sitter well in advance, so my travel budget is probably going to look a little off next month.Financial Crossing this out. I moved, and I'm here, and that's all. - $5,000 travel -$13.95 to go - $20,000 emergency $9,557.86 to go - $5,000 bills $-1,292.23 to go I added money from my bills account to my travel account, because I couldn't see anything wrong with it. Plus, it lets me focus on adding to the emergency fund. 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 Kind of...? It's not a routine yet. - limit five takeout/order-in meals a week So hard... - listen to at least 3 hours of NRK Alltid Nyheter a day (jeg må øve! )I've been listening a lot, but I think maybe three hours a day is pushing it. Still going to try though. Personal (one-timers) DONE. A nice little Acer TravelMate. - have my fibroids removed (or the whole uterus, whatever works) - have my wisdom teeth removed drat it, I can't find a good time, not for any procedures OR recovery. - buy a drat vacuum This will be done by the next check-in. YeahTubaMike fucked around with this message at 20:44 on May 5, 2023 |
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May 5, 2023 19:16
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Question to my fellow goal-setters. This is my first year actually doing a good job sticking to my exercise goal, and I want that trend to continue. I have work travel and vacation coming up, and I fear it's going to impact my adherence because I won't have access to my treadmill which is the main reason I think I've been good at sticking to my goal. How do you all keep on the exercise routine when away from home (either for work or vacation)?
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May 16, 2023 01:17
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I run about 120 nights in hotels a year, mostly for work. Been doing that for about 12 years, in both consistent places (the classic M-R consultant four days a week on site, same site every week deal), and inconsistent places (right now, I go to like six or seven places somewhat regularly with some additional chaos). Good news for you is that if you're on a treadmill, most decent hotels will have a hotel gym with treadmills. The challenge is making time and making it a habit. I find it much easier to make exercise a part of my work travel routine. On the road for work is just like home for work - you have to establish a routine and get your exercise in. Decide on what schedule makes sense and stick to it. At home I work out after work but on the road I do it in the morning, because on the road there's always client dinners and other evening bullshit, plus you'll probably be drained from whatever work stuff you gotta do. For vacation, I usually substitute. On vacation I like to walk around a lot so I do that, or depending on where it is I'll find something active to make part of my vacation (a short hike, paddle boarding, rent bikes for a few hours, whatever). But I'm not trying to get in like a swim, or a real run, or yoga, or free weights like I would at home. If you're mostly doing treadmill, I'd try to substitute a decent walk or hike or something like that.
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May 16, 2023 01:38
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I keep forgetting about this. At least my (tri) monthly updates brings decent news (in some areas) The SituAsian posted:(I think) first time posting in one of these I will add a couple new goals as well. Financial - develop a reliable additional source of income that can grow as effort/time allows that pays more than jamming MTurk surveys Financial - Contribute 2400 to HSA Edit: Removed unnecessary details about the counselor whom I am working with. The SituAsian fucked around with this message at 02:13 on Jun 1, 2023 |
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May 31, 2023 00:17
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May Update. Decided to buy a new car this month, so most of these goals are basically shot. This is now more about surveying the damage... Financial
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May 31, 2023 14:37
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Congrats on the weight goal progress! What kind of car?
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May 31, 2023 15:03
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moana posted:Congrats on the weight goal progress! What kind of car? Thanks! The car is a Miata RF. Not all the new debt was from the car, though I did over-pay. Got a 3 year note at 0.9%, but also ended up agreeing to some extra warranties/gap coverage/service plans that were pretty costly. It is fly, though... 
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May 31, 2023 16:06
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