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My goals were pretty modest but I've had another terrible year of being paid late (boss still owes me a bunch of money  ) so I spent most of the year just treading water and trying not to lose ground.2015 goals: Maintain 0 balance on all CCs Failed this one bad. I used my cards to float between paychecks when I wasn't getting paid on time so they ran up pretty high. The highest balance of the year (split between two cards) was around $5100; currently one has a balance of 0 and the other is around $1450 and when I get the rest of the pay I'm owed that'll be back to 0 as well. Rebuild emergency fund to cover 6mo expenses Failed But I do at least have an emergency fund again vs last year -- it's just not anywhere near where I want it to be. Max out IRA and HSA contributions IRA maxed, haven't started the HSA yet so I only partially failed this one lol Oh, almost forgot -- I also put the inheritance into a retirement fund. It might have been better to keep it in the efund or use it for the HSA but that was more of an emotional decision than a really rational one, and it was really making me sad to think about pissing it away on daily expenses so I wanted to put it where I couldn't spend it at all. Once goals 2 & 3 are out of the way start either saving to replace my beater car or pay more aggressively on my mortgage (probably car; it's 10 years old and I want to be ready for repair or replace in the event it craps out on me). Car is still going but is going to need some repairs soon, I have a pretty reliable and cheap mechanic so I'm not as concerned about trying to replace it immediately though. I'm throwing a little extra on my mortgage payments every month at least. So overall not a terribly successful year re: goals but considering the bullshit my job has thrown at me the year didn't end as badly as it could have. I know my 2016 goal should be to find a new job, but despite the pay issues I'm unlikely to find something that has as many quality of life perks as this one in my area so I'm going to stick with it for a while yet. I may not get paid on time but I can roll in at noon any day I feel like it and take off freely whenever I want, and when I do manage to get paid it's really good for this area. Most of the bad stuff happened early on and the last quarter has been pretty good; I've been spending a bit too freely on dumb poo poo in the last couple months but I think I just wanted to cut loose a little after nearly two years of being really tight. e: added link to original post Everything Burrito fucked around with this message at 20:11 on Dec 30, 2015 |
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Dec 30, 2015 19:41
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Deep 13 posted:- Max 2015 Roth IRA contributions before the end of the 2015 calendar year--i.e. not using the 15 April 2016 deadline. - Done! - Nope, only around a grand added. 4k was a serious reach but a good goal nonetheless. - Only a medical bill really surprised me here. Otherwise a win for budgeting.
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Dec 30, 2015 20:28
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pig slut lisa posted:September 2015 update: End of 2015 Final Update: -Max out both Roth IRAs and my 457(b) Status: We did it  -Have wife begin contributions to TSP at new part time job Status: She's contributing enough to get the full match, and slightly more besides -Increase frequency of grocery shopping trips made by bicycle instead of car, especially between April and October Status: On balance, we did not do as well with this as I would have hoped  -Keep home alcohol purchases below $50/month Status: Final average was right around $50. Good enough. -Designate a purpose for the few thousand we should be getting back in our federal tax refund. Leading contenders here are starting a 529 or holding the money in savings for a lump sum boost for the 2016 IRA cycle. Status: Started a 529 in August when the market dropped, initial contribution of $2,000. -Devise a plan for earning enough points/miles for free international business class airfare and at least 4 free hotel nights for a 2016 international vacation. Status: We have enough points/miles to do this and more, although we probably won't take a trip til 2017. e: I do not deserve the gangtag because I went to Las Vegas last week and broke my rule about not dipping into previous days' winnings/remainders on following days. Ended down $300 farther than I would have had I not done this. Stupid stupid. pig slut lisa fucked around with this message at 06:54 on Dec 31, 2015 |
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Dec 31, 2015 06:52
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Swingline posted:Goals 1) Max out Roth 401k ($18,000) - DONE 2) Max out Roth IRA via backdoor contribution ($5,500) - DONE 3) Max out HSA (about $2k pre-tax dollars since my employer contributes the rest) - DONE 4) Establish emergency fund of $20,000 - Decided to keep it at $5,000 and instead plow money into investments, see below 5) Establish a taxable investment account at vanguard of $10,000 for index funds to further save for retirement - Contributed $45,000 instead 6) Save up an extra $5,500 at the end of the year so that when Jan 1 2016 comes around I can immediately max out IRA again instead of waiting - DONE Overall exceeded goals by ~$20,000
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Dec 31, 2015 19:29
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I didn't really earn the gang tag this year  it's hard to plan for a full 365 that far in advance!Original post: fuzzy_logic posted:Goals for next year, by priority: After this I moved to a new neighborhood and quit my job, got a job working in the public sector so my income went down but I now have a pension so yay retirement saving! Final accomplishments: 1 - doing ok at this but blew it after switching jobs and again in December 2 - did this 3 - annoying roommates skipped town, I chose not to bother chasing them into another state 4 - did this 5 - failed! but I did get my savings back to pre-move levels very quickly 6 - this was done for me lol, involuntary pretax pension withdrawals 7 - failed! highest interest loan started out at 9900 and is now 7500 8 - failed! didn't sell a drat thing this year That's a less than 50% success rate but at least I don't hate my job and my roommates now on the plus side, total loans dropped below 50k and I'm starting to finally feel optimistic about paying them off - the website shows me how many months I take off the life of the loan every time I overpay and as of right now I have owed $0 on them for about four months but am still overpaying. Also I'm 2 years not smoking, I think it finally took this time
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Jan 1, 2016 00:18
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fuzzy_logic posted:Also I'm 2 years not smoking, I think it finally took this time  nice job here!
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Jan 1, 2016 01:29
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Original goals | Horrible $12K tax bill in February | End of Q2 | November (includes updates on goals 1-3) 1. Maintain maximum funding of 401k + match, 403b, and Roth IRAs DONE 2. If I don't have a job starting fall 2015, pick up a lecture or two to max my 457b DONE 3. Decide where we're going to save for college and begin DONE 4. At least $30K to investments. Don't spend too much on the baby, future us, PLEASE!...I marked this as a fail in November, but we rallied and saved up 15K as of today. Plus the 12K tax bill that means we’re only 3K short of the 30K I wanted us to save this year. Coincidentally, that’s about how much we spent on baby stuff…so I'm calling this a NOT BAD! Happy 2016! Tag me please!
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Jan 1, 2016 06:16
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I'll take the gang tag as well. I met and exceeded my goals in the most roundabout fashion possible. That and the tag is ironic because I don't live in the US and the New Zealand equivalent retirement savings account is the one with the lowest balance (due to there only being a small tax advantage to myself).
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Jan 1, 2016 20:55
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Claverjoe posted:I'll leave it to the person behind the tag if you think I deserve the sweet gang tag. sorry man. Keep plugging away, this'll be a hell of a lot easier once some of your temporary stuff has passed and you did good reducing the credit card instead of increasing it!spwrozek posted:So I leave it up to you slap me silly. pig slut lisa posted:e: I do not deserve the gangtag because I went to Las Vegas last week and broke my rule about not dipping into previous days' winnings/remainders on following days. Ended down $300 farther than I would have had I not done this. Stupid stupid.  Devian666 posted:I'll take the gang tag as well. I met and exceeded my goals in the most roundabout fashion possible. Did you at least maintain the $88/mo into the kiwisaver account all year?Not going to bother listing all the others. If I missed yours, holler at me. Nice work, everyone, and keep at it!
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Jan 2, 2016 00:35
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