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christ cancel all that poo poo while you still can other than maybe gap
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May 31, 2023 16:14
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LanceHunter posted: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. 
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May 31, 2023 17:03
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May Update 2023 Financial Goals
2023 Personal Goals
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May 31, 2023 18:54
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May round up:Turbinosamente posted:Financial Kind of a maintenance month really. Also since I bitched too much to a friend about my goals this year I got linked to this CGP Grey video which makes a case for having an overall theme for a year/season instead of specific goals and metrics. It's totally opposite to the OP advice I copy pasted and I can see how it may work better for people, but I've been doing pretty okay with the specific poo poo I set out for myself. Maybe I just picked too much crap to try and do and that's my problem?
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Jun 2, 2023 02:41
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End of May Update 2023 Financial Goals 1. Repay myself - $3,370 of $4,490 - Slowly but surely 2. Contribute full amount to 401(k) - Set on auto 3. 4. Get veterinary fund back to $3000 - $897 of $3,000 - slowly but surely 5. 6. 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 - May was awful for this goal, the worst this year. I will do better this month. 4. Read 15 books - 6 of 15
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Jun 2, 2023 04:01
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June 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 401ks done, Mega Backdoors on track.  - Put 10k/month in to taxable Put in 15k/month from January - June, but will likely have to stop this until the end of the year to pay off student loans. - Put 3k/month in to savings On track - Fund Baby Evil's 529 with an extra $20k On track. - Increase net worth to the next million Done! - Figure out what to do with student loans this summer Looks like I have to pay these back. Even though I work for a non-profit organization, and I'm at 108/120 PSLF payments, my job technically doesn't qualify, so I'm stuck.
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Jun 2, 2023 16:18
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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 - 83% paid off Personal Goals: Take better care of my physical and mental health Off Track Made some changes to how I had our loans set up, which should save money and make things a little more flexible in the long run. The private practice is still waiting on most of the insurance companies to certify and approve, but she's going to start seeing her first patients this week. Published something, so that's one goal down. The only unfortunate news is that my insurance company hasn't agreed to a deal with the local HMO, so all my doctors and specialists are about to be out-of-network starting on July 1st. Not really sure what we're going to do about that - starting over with a new team of doctors is a bit intimidating for me and my spouse, but not sure what we're going to do instead.
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Jun 3, 2023 23:45
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May Update Yet again AGAIN, I have travel plans. Going on the 70K Tons of Metal Cruise in January and had to get a ticket before they all got bought up.  Trondheim Beerfest flight & hotel are paid for; cat-sitting hasn't been bought yet for either trip, so next month's travel budget is probably going to look weird too, unless I just use my checking account to pay for it, which I just might.Financial Crossing this out. I moved, and I'm here, and that's all. - $5,000 travel $1,980.86 to go - $20,000 emergency $8,023.34 to go - $5,000 bills $-1,312.09 to go (again, pondering adding some of the surplus to the travel account, because why not?)Personal (habits) Still going strong, to the point that it's not even anything I actively think about anymore.  - walk at least one mile a day at least six days a week Still not really a routine, especially if I'm not going somewhere specific. Speaking of which... - limit five takeout/order-in meals a week If anything, I've gotten even worse at this. In the time between June 1 (the date that I fully intended to check back in, but forgot) and now, I've spent $162.14 on delivery/takeout, and that's only what I can see in my checking account, no cash. This feels like an addiction. - listen to at least 3 hours of NRK Alltid Nyheter a day (jeg må øve!  )Listening is becoming much more of a habit, but again, three hours feels like a lot. It doesn't help that NRK Nyheter switches to BBC World Service in the evening & on Sundays so I pretty much have to listen during work (meh) and on Saturdays (fine, but it's only one day a week). 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. (UPDATE: god drat it  )
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Jun 4, 2023 17:16
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I seem to also be really bad at both achieving and updating my goals this year  - Pension Pot £112k - ISA £10.6k - Short Term Savings £5000 - I dipped into this to do some repairs on my partner's mum's car (as this is now pretty much a vehicle maintenance pot now) and got the fence at the back of the garden fixed like a real adult - NW £150k The only Personal Achievement I managed aside from working two weekends between the last two bank holiday straight was take some time off in lieu last week to go and watch the cricket at Lord's
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Jun 5, 2023 13:22
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May Update! 1. Raise net worth by $304k to $340k. $330k 2. Increase emergency fund from $18k to $20k. $19.1k 3. Make one extra mortgage payment. 0.48 extra payments made. 4. Contribute a minimum of $4.4k to Roth IRA. $2k 5. Stay at or under my Eating Out budget for 10 out of 12 months. Failed. 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. -0 pounds. 9. Read 12 books. 9/12.
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Jun 5, 2023 14:48
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Looks like I forgot to update this late last month. Lots have been happening, so my mind was elsewhere. May update Financial:
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Jun 11, 2023 14:41
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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! I did not max my 401k, but got to 17,500 before I got laid off in a restructure last week. I did not see it coming/was never notified so a lot of these goals are very very relevant, except for by July. I'm going to have a summer vacation since I got a severance and COBRA covered for 3 month plus my own 45k in cash. My whole dept was basically gutted.
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Jun 21, 2023 07:52
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Sorry you got laid off but sounds like it aligned pretty well with your plans.
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Jun 21, 2023 10:32
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June Update. Slowly crawling out of the financial crater that is a new car purchase. Financial
Life
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Jun 30, 2023 14:29
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June Update 2023 Financial Goals
2023 Personal Goals
* I'm still not sure I liked the last book I read, but it's stuck with me.
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Jun 30, 2023 15:55
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June. Making some additions and updates since we are now expecting kyoon griffey the third early in the new year Financial Max various retirement accounts incl 401(k), IRA, HSA - All on pace, adding wife's new 457 for new job Identify an accountant in case tax situation gets much more complex in 2023 - not done yet Figure out how to use DCA benefits for future daycare costs - not done yet Get term life set up for both of us - 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 - 4/ Read 25 books - 12/25 pretty much back on pace. Exercise 150+ days - 76/75 on pace! Set up KG3 room and infrastructure - not yet Get on some daycare waitlists for KG3 - not yet
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Jun 30, 2023 16:20
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I like to sing-a about the Moon-a and a June-a and a Spring-aTurbinosamente posted:Financial Another month of plodding along but made some small gains. I think I'll feel better about the financial situation if I work out a plan for putting some extra money into my savings once in a while. Still don't know exactly when I'll buy a house either but I'm back to framing some of my decluttering effort around "would I display this in my future home?"
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Jun 30, 2023 21:58
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End of June Update I had a goal to reevaluate my goals in July, but I bumped it up a month. So these are my goals with the new ones added and 1 taken out. 2023 Financial Goals 1. Get veterinary fund back to $3000 - $1198 of $3,000 2. Contribute full amount to 401(k) - Set on auto 3. Set aside money for Roth IRA for 2024 - $0 of $1,500 4. Help Mr. Pipistrelle set up an IRA - This is way overdue 5. 6. 7. 8. 2023 Personal Goals 1. 2. Yoga at least x2 a week - lol nope 3. Cut down on eating out - we did better this month, but we could do better 4. Read 15 books - 8 of 15
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Jul 1, 2023 03:59
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June Update Still trying to keep things on the up & up but here's the thing: getting burns all over my hand either before or after having a seizure in the same day meant 1) making less progress on my emergency savings (MRIs are expensive even WITH insurance  ), and 2) making less progress on my takeout/order-in stuff (I couldn't use my dominant hand to cook). Also, just for the record, I finally bought cat-sitting for the Trondheim trip, and with the fact that I bought 70K Tons tickets this month I decided that contributing to the travel savings wouldn't make sense since I took care of travel expenses with my checking account.Financial Crossing this out. I moved, and I'm here, and that's all. - $5,000 travel $1,970.94 to go - $20,000 emergency $6,732.61 to go - $5,000 bills $-796.21 to go (my mom & I bought some home supplies, so I've found another good use for this savings account)Personal (habits) Still going strong, to the point that it's not even anything I actively think about anymore. - walk at least one mile a day at least six days a week Still not really a routine, especially if I'm not going somewhere specific. - limit five takeout/order-in meals a week Not going to beat myself about it this month. - listen to at least 3 hours of NRK Alltid Nyheter a day (jeg må øve! )Not going to beat myself about being a tad too distracted by burn & brain problems this month to listen to Norwegian news. 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. DONE. A handvac, designed to handle pet hair too. YeahTubaMike fucked around with this message at 02:05 on Jul 2, 2023 |
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Jul 1, 2023 20:30
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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... Half Time Report - Pension Pot £114k, just about on target - ISA £10.5k, below target - Short Term Savings £4.3k, on target with caveat - Net Worth £154.5k, just below target - Living Room done, just front bedroom curtains to replace now - Skiing done - No new office chair, but we did get some new furniture for the office including a sofabed arriving on Monday - Old kit still there, still passable - Really bad on the running front, need to reassess what is possible here (getting out and running you lazy git) - Am playing cricket again on Sundays now though so that is putting some miles in the legs - No holiday booked in yet but assessing if we can get away for two weeks in September - This has been good, been taking lunch and then practising a bit - I can now Play Clocks By Coldplay (and a few other chord based/easy right hand pop) - so pretty much on the edge of requiring a teacher as per the piano thread's advice before I start getting into bad habits Despite market conditions I think I've been doing ok in the last 6 months - Short Term Savings have been hit with use of my partner's mum's car and have set about fixing some of the issues with that (and fuelling/taxing/insuring/MOTing it) so all in all could be a lot worse
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Jul 4, 2023 09:34
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My renovation turned pretty chaotic, so I'm missing goals left and right, but at least my house is going to look great. May update Financial:
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Jul 5, 2023 09:28
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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 - 82% paid off Personal Goals: Take better care of my physical and mental health Off Track I almost forgot about this thread. The home renovation is going ahead and might actually be wrapping up, which would be great if it actually happened. We've been going through this process since last year, and I'm just really, really tired of not having a kitchen. Our contractor is great but I'm convinced that he's not good at project management, and this project was just a little bit too big for him without someone to keep him on task. As I mentioned, the budget increased after we made some big changes like raising the ceilings. I didn't have to take out any additional loans to pay for the extra work, but between paying for that and supporting my spouse after she was laid off, I haven't had much money to spare on paying down the loans. Well, I'm finally over that hump, and I think in the next month or two I'll be in a position to pay down the loans and build up some momentum. My insurance provider and my doctor's health network managed to reach a deal, so I don't have to change doctors. That said, I need to get another appointment set up. But, one less thing to worry about even if I'm not quite back on track yet.
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Jul 11, 2023 17:30
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July Update! 1. Raise net worth by $304k to $340k. $338k 2. Increase emergency fund from $18k to $20k. $19.4k 3. Make one extra mortgage payment. 0.68 extra payments made. 4. Contribute a minimum of $4.4k to Roth IRA. $2.7k 5. Stay at or under my Eating Out budget for 10 out of 12 months. Failed. 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. -4 pounds. 9. Read 12 books. 10/12.
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Jul 30, 2023 18:11
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Ha, got beaten to the punch with an early July update, I'm needing to sit and collect my thoughts a bit.Turbinosamente posted:Financial Overall I'm just extremely dismayed that I can't seem to get ahead on anything with out going full austerity and never buying anything fun again. 
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Jul 30, 2023 21:37
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July Update. At this point I'm just doing this as self-flagellation. I gave a friend $2000 on a handshake agreement that he would pay me back all that + extra on September 1st. The money was to let him upgrade one of the vending machines that he operates to a new unit that takes CC payments. He had avoided having CC-capable machines for a long time but when one of his older machines died the only unit he could replace it with was CC-capable. After the upgrade he was shocked at how much more money the new machine was pulling in, and that was at one of his weaker locations. So he realized he needed some more money to upgrade the machine at one of his more lucrative locations. My cash helped him do that upgrade. Come September 1st I'll either get all my money back, he'll ghost me, or he'll try to press me to fold that money in with some more of my cash to buy a whole new machine/location. He's already floated the idea of me buying a new machine/location where I'd put up the initial capital, he/his company would service/operate the machine, and we would split the income 60/40 in my favor. We'll see what ends up happening. Financial
Life
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Jul 31, 2023 13:36
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July Update 2023 Financial Goals
2023 Personal Goals
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Aug 1, 2023 01:30
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End of July - Pension Pot £116k - ISA £11k - Short Term Savings £4.5k - NW £158k Work has been really full on recently but I did manage to go out for a run twice this month and cricket is definitely making me remember there are muscles in my legs still. Market has taken an upturn this month but think I'm going to have to reconsider goals next year to not be NW oriented as that figure is starting to fluctuate more from money out of my hands than in I've booked in two weeks of leave this month so now just need to go and find somewhere to relax a bit!
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Aug 1, 2023 11:22
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I think switching away from a NW goal is a good idea. It’s not really in your control. On the one hand in a bull market you can hit the goal without changing any behavior at all! But in a bear market, you can crank up the savings rate and still miss. I shifted a little while back and instead focused on an absolute savings rate goal, which is much more within my control.
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Aug 1, 2023 12:01
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July Financial Max various retirement accounts incl 401(k), IRA, HSA - All on pace, adding wife's new 457 for new job Identify an accountant in case tax situation gets much more complex in 2023 - not done yet Get term life set up for both of us - 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 - 5/20 Not great, but have at least seven more on the books already, not counting holiday time Read 25 books - 12/25 falling behind Exercise 150+ days - 92/88 on pace! Set up KG3 room and infrastructure - not yet
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Aug 2, 2023 14:12
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End of July Update 2023 Financial Goals 1. Get veterinary fund back to $3000 - $1372 of $3,000 2. Contribute full amount to 401(k) - Set on auto 3. Set aside money for Roth IRA for 2024 - $250 of $1,500 4. Help Mr. Pipistrelle set up an IRA - This is way overdue 5. 6. 7. 8. 9. 2023 Personal Goals 1. 2. Yoga at least x2 a week - lol nope 3. Cut down on eating out - did ok this month, not great, not bad. 4. Read 15 books - 11 of 15
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Aug 3, 2023 11:13
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July update Financial:
Apartment:
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EricBauman fucked around with this message at 12:47 on Aug 3, 2023 |
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Aug 3, 2023 12:28
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Nur_Neerg posted:Just starting to figure out my financial goals for 2023 after a bunch of changes in the personal life. Putting this here as a placeholder/starting point: Updates to-date in bold
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Aug 24, 2023 19:35
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August update.Turbinosamente posted:Financial Kinda a status quo update, but there might be major changes next month depending how my personal e/n drama shakes out that I'm prepping for.
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Aug 27, 2023 19:50
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August Update 2023 Financial Goals
2023 Personal Goals
Good-Natured Filth fucked around with this message at 15:43 on Sep 1, 2023 |
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Aug 31, 2023 02:28
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August Update. Turns out helping out my friend with his vending machine situation was a good idea. Got back everything he promised, which means I'm starting September on a good foot. Financial
Life
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Sep 1, 2023 23:46
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End of August Update 2023 Financial Goals 1. Get veterinary fund back to $3000 - $1847 of $3,000 2. Contribute full amount to 401(k) - Set on auto 3. Set aside money for Roth IRA for 2024 - $650 of $1,500 4. Help Mr. Pipistrelle set up an IRA - This is way overdue 5. 6. 7. 8. 9. 2023 Personal Goals 1. 2. Yoga at least x2 a week - lol nope 3. Cut down on eating out - Not great this month…. 4. Read 15 books - 13 of 15
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Sep 2, 2023 22:15
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August Update Reasons I didn't make a July update: - follow-up medical stuff still messing with my emergency fund - actually traveling, therefore not contributing to my travel fund That doesn't seem like a lot, but it hindered my progress in literally every way. Financial Crossing this out. I moved, and I'm here, and that's all. - $5,000 travel $1,789.04 to go - $20,000 emergency $7,957.87 to go - $5,000 bills $-1,020.92 to go (thinking about treating myself to an apartment cleaning and/or dispersing the surplus among my other savings accounts)Personal (habits) - get out of bed before 10am at least six days a week It's still a habit that I take seriously, but I most certainly did not follow it while I was on a beer- & foodfest-centered vacation. - walk at least one mile a day at least six days a week Still not really a routine, especially if I'm not going somewhere specific. - limit five takeout/order-in meals a week I was on a beer- & foodfest-centered vacation, so nope.  - listen to at least 3 hours of NRK Alltid Nyheter a day (jeg må øve! )I spent an entire week communicating almost entirely in Norwegian, so I think that counts. Kinda. Personal (one-timers) DONE. A nice little Acer TravelMate. - have my fibroids removed (or the whole uterus, whatever works) - have my wisdom teeth removed Especially now that I have other medical poo poo on my plate, I can't find a good time for any non-burn/-brain procedures OR recovery. DONE. A handvac, designed to handle pet hair too.
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Sep 3, 2023 00:02
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September Update Current State - My student loans:  - 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 401ks done, Mega Backdoors done this month/next month. - Put 10k/month in to taxable Put in 15k/month from January - June, but now using that money to pay back student loans. - Put 3k/month in to savings On hold with student loan payback - Fund Baby Evil's 529 with an extra $20k On track. - Increase net worth to the next million Done! - Figure out what to do with student loans this summer I'm at 108/120 PSLF payments, but my current job technically doesn't qualify, so I'm stuck. Sent off $116k at the end of August. Remaining 57k will be paid off by the end of the year.
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Sep 4, 2023 20:28
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w4ddl3d33 posted:gonna favourite this thread so i can edit this post before january starts, but right now here are my goals for 2023: my computer died, this is my first post in months, let's review personal: - begin commuting to work by bike at least twice a week - SORTA? i freelance bike courier on the side. does that count? - transfer to a new university - again, sorta? i'm starting a foundational course so i can actually transfer to a university abroad - keep going to therapy all year long - absolutely not i cant afford that poo poo - incubate turkey eggs - sadly no - have at least one medication review - did this! they doubled my antipsychotics and now i'm whatever the opposite of psychotic is - go on a real holiday - i hiked around norway and it was delightful, i hiked around gibraltar and it was delightful, and i took a weekend off for a star trek con financial: - get a better paying job: i've put my notice in at my current job and i've got a bunch of interviews lined up as of mid-november 2022, so we'll see where it all takes me - SUCCESS! i have a salaried role with benefits, a freelance job on the side, and i'm interviewing for another job with a bodybuilding federation - hit 10k in savings - LOL - find an apartment in austria for under 750 euros/month - i found an apartment, but my application got rejected, so sucks to be me i guess - move! - tomorrow morning i move to austria!
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Sep 8, 2023 22:32
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| # ? May 2, 2024 03:14 |
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Financial Goals: Continue to max out my 401k On Track Pay off at least half of home renovation loans. Off Track - 74% paid off Personal Goals: Take better care of my physical and mental health On Track In an attempt to get the home renovation over the finish line, we hired a second contractor to handle the floor tiling and to help our first contractor. It didn't increase the budget too much, and helped speed up the progress significantly (a frank conversation with the contractor where he admitted that he was taking other jobs on the side because he felt bad asking for the rest of the money before the job was completed also helped). I don't think I'm going to hit my goal of paying off half the home renovation loans unless I pick up the pace significantly in the final months of the year, but I'm still happy with getting a third paid off. Between my spouse's layoff and the increased budget for the renovation, I'm still happy I've been able to pay off as much as I have. That said, my wife's practice has really taken off and she's already started a pretty significant amount of income. She's still waiting on the first round of payments from the insurance companies to come through and paying off a lot of the start-up costs that accrued over the year, so we're still on just my income for the moment. There's a lot of uncertainty and the holidays could be expensive, but I might be able to pull it off.
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Sep 9, 2023 19:22
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