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I have been participating in these threads for a long time! Earliest post I could easily find was from 2017, but I think I've been participating longer than that. They have helped me stay on track and accomplish many goals such as saving for the down payment on my house, paying off two cars, building a emergency fund... I'll keep some of my usual goals this year and add some new ones! Gotta spice it up a little. 2023 Goals 1. Raise net worth by $304k to $340k. 2. Increase emergency fund from $18k to $20k. I have finally decided $20k will be my terminal goal here. Once met, I'll use the monthly contribution towards my Roth and something else? I'll figure that out this year. 3. Make one extra mortgage payment. 4. Contribute a minimum of $4.4k to Roth IRA. 5. Stay at or under my Eating Out budget for 10 out of 12 months. Was very bad at this in 2022. 6. Explore moving my Roth IRA from Betterment to a somewhere... better. Likely to occur Summer 2023. 7. Make a celebratory "11 years of YNAB" post at end of September. I can't believe I've kept a habit this long. Missed the 10 year mark a few months ago. Whoops! 8. Lose 15 pounds. Would like to lose 25 or 30, but trying to be reasonable. 8. Read 12 books. I miss reading for pleasure. spinst fucked around with this message at 17:06 on Jan 12, 2023 |
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Dec 21, 2022 21:59
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| # ¿ May 22, 2024 13:28 |
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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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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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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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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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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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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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I haven't updated in awhile. October Update! 1. Raise net worth by $304k to $340k. $346k. Goal met. 2. Increase emergency fund from $18k to $20k. $20k. Goal met. 3. Make one extra mortgage payment. 1.06 extra payments made. Goal met. 4. Contribute a minimum of $4.4k to Roth IRA. $4380. On track. 5. Stay at or under my Eating Out budget for 10 out of 12 months. 2/12. Goal failed. Now hoping for 4/12. 6. Explore moving my Roth IRA from Betterment to a somewhere... better. I did try to do this online, but Vanguard seems to think I already have an account. I need to call in and get it figured out. 7. Make a celebratory "11 years of YNAB" post at end of September. I forgot about this! D'oh. 8. Lose 15 pounds. -4 pounds. I started a diet and exercise plan in October and am down a total of 7 pounds, but had gained some between January and then, so a net loss of 4 for the year so far. 9. Read 12 books. 11/12. On track.
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Nov 11, 2023 19:04
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| # ¿ May 22, 2024 13:28 |
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November Update! 1. Raise net worth by $304k to $340k. $351k. Goal met. 2. Increase emergency fund from $18k to $20k. $20.2k. Goal met. 3. Make one extra mortgage payment. 1.16 extra payments made. Goal met. 4. Contribute a minimum of $4.4k to Roth IRA. $4880. Goal met. 5. Stay at or under my Eating Out budget for 10 out of 12 months. 3/12. Goal failed. Now hoping for 4/12. 6. Explore moving my Roth IRA from Betterment to a somewhere... better. I did try to do this online, but Vanguard seems to think I already have an account. I need to call in and get it figured out. 7. Make a celebratory "11 years of YNAB" post at end of September. I forgot about this! D'oh. Goal failed. 8. Lose 15 pounds. -4.5 pounds. It's not much, but I've also been doing weight-based exercises 3x week and have hopefully been putting on some muscle. I'm down two inches around my stomach, which is nice. Gonna push hard through December, obviously I won't get to 15, but I'll take what I can get. 9. Read 12 books. 12/12. On track. Goal met.
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Dec 2, 2023 18:13
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