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pig slut lisa posted:Don't look at it that way. Imagine how embarrassing it would be if you didn't meet even the goals you view as easy! By that measure you're a smashing success so far. I'd like to set something a bit more challenging, but it's such a giant question mark with a newborn and adjusting to spending $1200/mo on daycare. We started using YNAB this month so we're at least making headway in the right direction.
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Jan 26, 2015 20:06
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dreesemonkey posted:I'd like to set something a bit more challenging, but it's such a giant question mark with a newborn and adjusting to spending $1200/mo on daycare. Suggested new goal: Come back to this thread on July 1st with a more challenging goal, whatever that means to you.
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Jan 26, 2015 23:13
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pig slut lisa posted:Suggested new goal: Come back to this thread on July 1st with a more challenging goal, whatever that means to you. I would be good with this if it is optional. I already feel good about my goals and put a stretch goal in as well. I will do the quarterly updates as well this year.
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Jan 27, 2015 01:32
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OneWhoKnows posted:2014 was a good year and thankfully we ended it with no debts outside of our mortgages. My boss' boss asked me if I planned on being in the office this week (I mostly work from home) and said to stop on by any time. I didn't really think much of it at the time, but during the chat he asked me if I had been approached by any of our competitors lately. I said no (and I hadn't), but apparently a higher-up for a competitor was talking to a higher-up at my company during some event where too many drinks were had and said that he hoped I (specifically by name) was being paid well because my name had popped up at the top of the "poach list". The conversation ended with a healthy raise much to my surprise! So, to make a long story short, I went ahead and increased the contribution to 10%, next goal is going to be 15% by mid-year.
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Jan 30, 2015 21:07
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OneWhoKnows posted:My boss' boss asked me if I planned on being in the office this week (I mostly work from home) and said to stop on by any time. I didn't really think much of it at the time, but during the chat he asked me if I had been approached by any of our competitors lately. I said no (and I hadn't), but apparently a higher-up for a competitor was talking to a higher-up at my company during some event where too many drinks were had and said that he hoped I (specifically by name) was being paid well because my name had popped up at the top of the "poach list". The conversation ended with a healthy raise much to my surprise! That's great, congrats. I wish I was on someone's poach list 
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Jan 30, 2015 21:31
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pig slut lisa posted:-Keep home alcohol purchases below $50/month January's total: $17.99 I'm pretty pleased with that. I would be surprised if we end up that low again but I'm pretty confident we can meet our original goal.
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Feb 1, 2015 01:53
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MrKatharsis posted:This year was good. Got a car and a motorcycle, maxed my 401k and Roth IRA. Plenty in the emergency fund and we've been debt free for a few years. No progress On track No progress On track No progress Basically nothing had changed.
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Feb 1, 2015 16:25
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BossRighteous posted:2015 Goals: Savings is up to $1800 now and the month is budgeted and paid in full already. The best news is I am making 1.5x my normal paycheck through the end March. We had some pretty granular blow money categories in YNAB until now but I kept cooking the books with those number anyway. This month we are trying a single cash blow money category with disbursements on the 1st/15th. My wife's income is variable but we are on track to save another $1300-1900 by end of month. Hoarding money has been a lot more motivating than paying down credit cards in the short term. It will be nice to get the emergency fund up to snuff. Then we can start making legitimate $1k+ payments to the credit accounts instead of these $50+ payments we've been making arbitrarily.  EDIT: The real test will be our combined birthdays this week. We got free rooms at a Harrah's casino for 2 nights and Mom sent us $100 blow money. We don't plan to gamble, but food/drinks and the movie theater / bowling alley next door could add up quick too :/ root of all eval fucked around with this message at 19:23 on Feb 1, 2015 |
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Feb 1, 2015 18:34
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Zuph posted:2015: 1. Credit Card Debt down to $4300 (from $4700) 2. Car loan down to $2200 (down from $2500) 3. No progress 4. Managed to negotiate a 9.1% raise at review time (  I high-balled, expecting to be met in the middle, instead my boss rounded up to the nearest $1000). Almost done!5. No progress Irresponsibly blew through more money on Christmas than I meant to, meaning I only managed to stay the course, rather than make real progress on anything. In any case, all goals are still achievable.
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Feb 1, 2015 19:02
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The Experiment posted:In 2014, my net worth jumped from $85,000 to $125,000. I made a more conscious effort to save money this year than in previous years. I also started investing money. In the past, I usually hoarded the money in my checking account. 1) Net worth is a couple hundred short of $135,000 as of today. The stock market keeps fluctuating too much. I suspect this is going to be the hardest goal to reach. 2) Done. Roth IRA is completely maxed out and have the percentages for the 401k and HSA to work to be maxed throughout the year (or close to unfortunately since I can only adjust by percentage points for the 401k. I may be about $100-200 short of $18,000 as a result. I'll try to find a way to get it to $18,000 the best I can). 3) Done. 4) Due to the fluctuating market, I've been stashing most of my excess money in a two week European vacation I have planned for May. This is the first vacation I've ever taken (you read that right) so I'm going to go nuts. My overall budget for this might be $7,500. All of my tax return money is going to the vacation. 5) No progress here. I'm stumped. Maybe I can make goon erotica as a holdover and use that money to fund what I really want to do. Not sure what that is yet! Due to work and classes, I haven't had much time to think about side gigs or businesses. 6) I have finally put a budget in place. It feels weird. This month will require a good deal of self control. If I keep within my budget for this month, then the rest should be easier.
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Feb 1, 2015 20:35
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Omne posted:
1) On track 1a) Very much on track 2) Not yet started 3) On track 4) Haha nope 6) On track
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Feb 1, 2015 20:41
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Are monthly updates a regular thing for this thread? No mention of it in the OP. I'm cutting some of my goals down to more digestible versions so the quote block isn't so huge. Click the linked post to read them in full.SpelledBackwards posted:1) Continue to max 401k, Roth IRA, and HSA this year as last... I want to deposit all-in on my Roth IRA within the first week of January. 1) Done and all set. Roth IRA is fully funded, and HSA + 401k will hit their contribution limits on my last paychecks of the year. 2) The funding of my Roth IRA out the gate and some planned payment of backtaxes mean this will drop down to about 5 months from 9 months. With my first ESPP sale expected within the next two weeks, this will be back up to ~7 months soon. 3) January was down to about $330, but it still felt like overspending on lots of days despite vastly exceeding the goal. We'll see how this averages out over the year; I may have just gotten lucky. 4) Switched over, but old insurance company didn't acknolwedge dropping me and I got debited for another month's insurance. I still need to call and complain about that to try and get it reversed. 5) Not yet April, so I haven't done anything here yet. Turns out some people in my staffing level got proactive out-of-cycle January raises (shifted forward from April) in order to prevent the growing problem of poaching/attrition, but unfortunately I wasn't one of them  6) Upcoming ESPP sale will be used to partially cover cash shortfall from funding my Roth IRA, as planned. 7) No movement here; my friend has a heavy grad school semester and won't have as much time as I was hoping between now and end of May. New goals: 8) I had also planned to build a new computer last year to replace my old desktop from 2010, but I'm put that off to later this year. Depending on how busy I get and whether I can make incremental upgrades (or even need to if I'm not playing anything made in the last 2 years)... I may only spend a fraction of the $800-1300 I had spitballed for it. As low as $0-100 quieting my system down, maybe? Sold and gave away some old parts to cover some of those costs. I also sold a rifle but don't yet know if/where I'm going to apply those funds... I could apply it to ammo restocking from December, but I am already considering that purchase and the purchase price of this rifle itself as sunk costs, and treating the sale income as new money. 9) I should eventually establish a budget instead of just doing lookbacks using Mint. Plan to do that by April. SpelledBackwards fucked around with this message at 23:45 on Feb 1, 2015 |
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Feb 1, 2015 23:42
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SpelledBackwards posted:Are monthly updates a regular thing for this thread? No mention of it in the OP. I'm cutting some of my goals down to more digestible versions so the quote block isn't so huge. Click the linked post to read them in full. It just sort of happened. I updated the OP. If you meet some goals or feel like monthly benchmarking by all means update the thread. It's not a requirement by any means.
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Feb 1, 2015 23:57
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SpelledBackwards posted:Are monthly updates a regular thing for this thread? No mention of it in the OP. I'm cutting some of my goals down to more digestible versions so the quote block isn't so huge. Click the linked post to read them in full. I just did it because I have a monthly goal and it helps to know that I need to check in 12 times with it.
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Feb 2, 2015 00:05
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Veskit posted:Very late to the party but here goes 1) Knocked out 1000 of that by dealing with these collection agencies (all removed only 2 left!) 2) 20 days worth saved up! 3) Still budgeting 4) Gotta talk to thread about total costs so I can put aside money for it 5) 50 dollars toward scholarships for women in engineering, and 50 of that is matched so far! On the up and up and I plan in keeping that going.
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Feb 2, 2015 00:55
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spwrozek posted:My goals really took a turn the last couple weeks for next year. I hope to have some time to revisit them in a few weeks but generally here they are: 1) Haven't filled anything out or filed. I am waiting for her to make up her drat mind on what she wants from life. 2) Stopped paying extra on all the loans and have been hording cash. I have a budget spreadsheet that I use and am tracking her spend and my spend separately, also have the joint spreadsheet and individual sheets for each of us. 3) Haven't sold it or listed it. I would really like to once she figures out poo poo under item #1 though, maybe be out of here by the end of summer. If I am single this place is way too far away from people my age. 4) Have a roommate for the next 5 months. Extra $750 month and utility split so I am enjoying that. 5) No progress, just the minimum until #1 is resolved 6) No progress, just the minimum until #1 is resolved
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Feb 2, 2015 01:23
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Monthly updates, eh?P.D.B. Fishsticks posted:2015 GOALS Restaurant spending is on track for the two data points I have.  For the student loan, I was able to throw a bit over a thousand at it at the beginning of January (which was already counted when I posted the goals).  Overseas vacation savings is on hold until the student loan is paid off.
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Feb 2, 2015 20:59
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Lead Out in Cuffs posted:Get my wife to pay off her $500-$1K in credit card debt with the $1K or so in share dividends she'll get around February from her current and previous jobs. Get her to keep better track of her spending so she stays in budget (will be easier when most of every paycheque isn't going onto the credit card). I know this is a bit late, but there are reasons. Anyway, here goes: 2014 FINANCIAL ACHIEVEMENTS We took the wedding trip to Poland, using money we had saved and without incurring any debt. We paid off the $3K we owed to my parents (I can't even remember how we did that -- I think my wife used some bonus/dividends and put the rest on her line of credit, which we subsequently paid off). We paid off the $2,400 advance I got interest-free from my PhD research centre six years ago (not actually mentioned in my post from the start of last year). This happened by me just not getting a salary/stipend for half of July and all of August. My wife has had to return to paying off her student loan. It wasn't huge (it's apparently about $5K right now) and is a Swedish government loan so not huge interest, but it's still there. Her mother said she would take on paying it off as our wedding present five years ago. Her mother now has fibromyalgia and is now on disability and cannot pay it off anymore. So, that's a thing. I believe my wife put $600 or so in over the course of the year. And I finished my PhD in October and started my Post-doc in September. I was supposed to be paid the $40K/year from then, but they paid me the $22K/year grad student stipend instead. In the midst of thesis defence chaos I completely forgot. Thankfully, this came up again in December, when I met with my boss, who went "What? You haven't been getting paid the full amount?" and immediately emailed HR to fix that. This of course took until mid-January to actually process, so Christmas and our wedding anniversary in early January were ... stressful ... (we maxed out my wife's $5K line of credit, knowing the money would be coming, but it was still stressful.) Two weeks ago I got the $6K or so in back pay I was owed, we cleared our debts, and I added $500 to our emergency fund. I also have a $1K tuition refund coming which is also going into the emergency fund. I didn't update in December because it was still all up in the air. Now we've reworked our budget for 2015 accounting for my rise in salary, with only a small increase in monthly expenditures, leaving a monthly surplus of $1,300 to put into savings, debt, holidays and other major expenditures. My wife's finances are still a bit of a black hole to me, and she still resists talking about finance. I did, however, manage to lure her into discussing and agreeing on the budget by embedding photos of cute piglets in the spreadsheet. Also, gently caress graduate student finances in the arse. Hard. Status at the beginning of 2014: Savings (emergency fund): $1,000 / Debt: $6K Status at the beginning of 2015: Savings (emergency fund): $2,500 / Debt: $0 2014 Goals: All achieved, including progress towards the "probably getting into 2015" goal. PLANS FOR 2015 Major financial goals for 2015: Add another $5K to our emergency fund, bringing it to $7,500 Pay off my wife's $5K student debt That's about one fifth of our after-tax income going to equity. In 2016 we'll start putting savings into index funds in a TFSA. Major expenditures budgeted for: Relaxing holiday trip $2K Other holiday trip to be determined $3K Computer upgrades $2K Parents visiting for graduation $500
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Feb 3, 2015 03:36
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I still haven't really come up with anything concrete for this year. I hit and passed my goal from last year of getting my RSP (~IRA) started, and index funds purchased. I was aiming for 17.5k, hit 22.2k. I also set up and started my TFSA (~roth-IRA), though only at $500. I suppose for 2015: Rebuild my 3k emergency fund (it went into my RSP) Max my RSP contribution ~13k Pay off my motorcycle loan 8k (1.99%) I'd also like to get more into my TFSA, car replacement fund, downpayment for a house fund, but I haven't really sat down and thought about it yet. I have a 9k match, and ~2.5k in tax returns coming early this year. I pretty much have the emergency fund back in place as well ~4k cash on hand. So assuming I don't cripple myself on the bike, I should be in a good position to hit those goals. Especially if I get anywhere near the 630 hours of overtime I did last year  .
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Feb 8, 2015 23:05
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As a part of my general goals I have added an $88/month payment to Kiwisaver. The only contribution worth making as a business owner is just under $87/month to get the 50% top up from the Government. I don't get the employee contribution but on the flip side I get a lot of write offs that employees don't get in New Zealand. The future capital gain bonus I will get in the future is the house I bought last year is in an area of the city that is going to be replanned to allow higher density residential construction. That will take 3-4 years to come into effect and I plan selling in about 10 years so I should be able to realise some gain above inflation.
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Feb 9, 2015 00:29
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Manawski posted:Plan: So far, so good. Oilfield Services is not looking like a winning industry right now, though. I hope my position at Corporate carries a little job security, but I'm not counting on it. I put everything else aside for a month and went full force into maxing out the emergency fund. The extra money would fund an escape from Houston in the event of a layoff or worst case a 6-month long job search. The consolidation loan is now a lower interest rate than the student loan, so I'll probably start chopping the student loan down first before the consolidation loan. I also have a motorcycle that I've been meaning to sell. Come April, I'll have the time to sell it and should get about 2k out of that as well. And then the net worth finally going positive. I'm really glad to see that red line finally come above the surface for the first time.
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Feb 17, 2015 19:58
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Congratulations! That moment of net worth crossing above zero is a great feeling.
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Feb 18, 2015 01:37
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Manawski posted:I also have a motorcycle that I've been meaning to sell. Come April, I'll have the time to sell it and should get about 2k out of that as well. What do you mean by time to sell? Does it need work first? The sooner you sell it, the sooner you can also drop your insurance for it!
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Feb 18, 2015 02:45
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SpelledBackwards posted:What do you mean by time to sell? Does it need work first? The sooner you sell it, the sooner you can also drop your insurance for it! -I work a rotational travelling schedule, so it'll be late March/early April before I'm at home for a long enough time to start soliciting buyers. That and motorcycle prices tend to get a nice bump in spring, I figure I'll be able to get another 500-750 out of it.
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Feb 18, 2015 03:58
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GoGoGadgetChris posted:Current stats: 1. Still possible... Averaged about $8,000/month between January and February 2. So far, so good - Maxed the Roth and am planning to leave my 401k contribution rate at 50% until I can't afford to or I max the 401k 3. LOL no. Home values are going up so quickly that I'm getting further and further from ever reaching this goal. I'm talking 2-5% per MONTH. 4. Still driving that ugly bitch 5. No progress on building up savings - my 50% 401k rate is killing me. 6. Our 3-year old cat died of kindey failure, so... success
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Feb 18, 2015 21:40
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GoGoGadgetChris posted:1. Still possible... Averaged about $8,000/month between January and February Do you mean you're contributing 50% until you hit $18,000, then you'll drop your 401k contribution to 0?
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Feb 18, 2015 23:33
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Exactly! I was initially doing it in order to get the employer max ASAP, but now I figure I may as well do it until I hit the limit (and then drop to 0% for the rest of the year)/
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Feb 19, 2015 01:07
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GoGoGadgetChris posted:Exactly! I was initially doing it in order to get the employer max ASAP, but now I figure I may as well do it until I hit the limit (and then drop to 0% for the rest of the year)/ I'm a big fan of front loading contributions if you plan on maxing out anyway, although I'm not as aggressive. I'm just doing $750 per paycheck, which gets me to $18,000 at the end of November.
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Feb 19, 2015 01:20
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GoGoGadgetChris posted:Exactly! I was initially doing it in order to get the employer max ASAP, but now I figure I may as well do it until I hit the limit (and then drop to 0% for the rest of the year)/ Is the employer match per year or per paycheck, though?
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Feb 19, 2015 01:39
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P.D.B. Fishsticks posted:Is the employer match per year or per paycheck, though? I am able to collect a total of $3,000 in employer match per year. Whatever I contribute to the 401k, they match 50% of it, and they stop for the calendar year once they've contributed $3,000.
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Feb 19, 2015 01:53
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District Selectman posted:I'm going to set a 2015 goal to hit $175k in non-retirement liquid assets by the end of 2015 District Selectman posted:End of December 2014 to almost end of January 2015, up from $97k to $110k. On my way Edit for miscalculation: End of February 2015, up to $127k. Killing it 
District Selectman fucked around with this message at 02:23 on Mar 7, 2015 |
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Feb 22, 2015 23:31
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Congrats to everyone getting closer to their goals!moana posted:Financial Goals for 2015: - ON TRACK House is going up for sale in a week - ON TRACK First quarter will be 55k, second quarter will likely do much better. - ERRR PROBABLY I just maxed them out for 2014, will probably wait to do the same for next year's tax filing for more flexibility.
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Feb 23, 2015 01:04
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Sundae posted:2015 Goals: (In order of priority, highest to lowest) #1 - So far so good! #2 - It's only February, but so far, I've paid down $4000 in January and another $1,000 in February. I'm planning on dropping $17K next month after I'm certain that all my taxes are sorted out, so this is on-pace. #3 - Off pace: $11,000 in side-biz revenue through February. I'm expecting about $7.5K in March, but I'm going to need to do better on this. #4 - FAILED. I failed to take time off for stress-relief activities in January, and I BS'd it in February. I suck. #5 - Sticking with the job through July, minimum.
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Feb 23, 2015 01:14
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Sundae posted:#4 - FAILED. I failed to take time off for stress-relief activities in January, and I BS'd it in February. I suck. How do you plan on enjoying time away from work in March? P.S. Good job on your other goals!
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Feb 23, 2015 01:22
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pig slut lisa posted:How do you plan on enjoying time away from work in March? I have a gift certificate for a one-hour massage at a local spa that I've been sitting on since October. Once I get back from my day job trip during the first week of March, I'll finally cash the damned thing in and use it.
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Feb 23, 2015 02:39
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Baja Mofufu posted:Goals: Well, I was working on our taxes and I realized that when we decided to simplify our portfolio at the beginning of 2014 we realized about $50K of capital gains. Why did we do this at the beginning of the year and then not think about it until now? Not really sure. Anyway, we're looking at approximately $12K of taxes so that's affected our goals a bit! There are worse problems to have, though. 1. Still possible. Husband will definitely hit his 401K max + match. I've decided to take the maximum amount of maternity leave offered to me (20 weeks, 8 unpaid) so it'll be more difficult for me to hit my 403b max, especially since my employer missed my January 1 contribution. We haven't started saving for the 2016 Roths yet because of the tax bill but the 2015s were done the first week in January. 2. No change. Waiting to hear back from 2 places about a job. 3. No change. Baby is due in April. We're planning to start a Coverdell ESA and a 529 (the Nevada plan with Vanguard). We're going to contribute to the ESA this year and grandparents would like to make contributions to the 529. 4. Probably failure. Only $1K so far. Would have been $5K but...tax bill! At least we haven't spent too much on baby stuff.
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Feb 23, 2015 02:47
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2015 Goals: - Save $10k towards new house fund. On track. Wife's extra income from consulting is helping this out. - Max out Roth IRA for wife and self. On track. Starting in February, we're adding $1000 to our Roth IRA accounts, alternating between mine and my wife's. We'll do the final $500 each in December. - Take advantage of matching contributions for 401k. Not able to do this until April-ish, when I'll have 90 days at my new job. The match is astounding, 50% matching up to 12% of my income. - Stick to new budget Doing pretty well overall. We've had some car repairs (stuck caliper, bad battery, miscellaneous wear items) but I've been able to do the repairs myself so it hasn't been too expensive. The real kick in the balls was a $2,000 tax bill that was quite unexpected. We both had our exemptions at zero, but I had us change them to the single rate to make sure this doesn't happen again next year. - Reduce stress levels and amount of clutter in the house. This is the best one so far. My new job is pretty awesome and the company is very laid back. I've also gotten to do some traveling and will be building up reward points at hotels and airline miles. This will make vacations cheaper in the long run. The wife has been doing a great job of holding everything together on her end, and I've been trying to do more around the house. I used a free weekend to do all 6 loads of laundry that she was backlogged on, and try to cook and do the grocery shopping. Considering she will earn nearly twice what I will this year and is going through grad school at the same time, I should be worshiping the ground she walks on.
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Feb 23, 2015 16:10
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Joining the fun a little late, but better late than never. Income: ~2800/month after taxes, minimum 401k for full employer match, health insurance and whatnot. Live with girlfriend, finances are completely separate, split mortgage/utilities down the middle. Current expenses are about 2600/month, including $135 in total minimum payments to 5 different debts and 490 to car payment w/16800 left on loan. Debt 1 has a balance of 188, debt 2 - 219, debt 3 - 597, debt 4 - 762 (student loan, on rehabilitation program for 35/mo for 10 months), debt 5 - 2416. Goal 1: Build up a one month buffer in checking (~3k). Started YNAB on 1/5 with about $200 to my name (spent way too much on Christmas). Current buffer as of today = $384. Rolling over about $150/mo at the moment, but May is a 3 paycheck month and I'll also get at least a $600 minimum bonus, which will fill the buffer. Goal 2: Completely pay off all debt outside of auto loan, using money was going toward filling the buffer. Total debt is $3407, and I figure this will put me at paying the last of it off in November, before accounting for the raise I'll get in April and again in October. Goal 3: Get credit score to at least 650 and then refinance auto loan. Currently at ~600-610, depending on CRA, up from 480 when I originally took out the loan in June 2013 (currently 3-5k underwater). I'm getting bent over a barrel on this loan, and I want it gone ASAP. The reason this is goal 3 and not goal 2, is that all 5 of those debts are negative marks on my credit report and need to be cleared to clean up my score, and it will be paid off by the end of 2016 without refinancing, approx 2.5 years early. I know it's definitely not the most efficient route, but it's the one that works best for me, psychologically.
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Feb 24, 2015 00:15
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Nocheez posted:- Reduce clutter in the house. Ooh, stealing this one. I literally have hired somebody to come in and kick my rear end into clearing out junk, the appointment is next week. It will probably take more than one. This fits in with finances sort of somehow because eventually I might buy another house in a different part of town, or even build one. I probably will want to keep the one I'm in now and rent it out, but whether I do that or sell it, it will go a lot more smoothly if I've already gotten rid of all the crap I've accumulated. Who knew you could collect this much useless poo poo in one place in five short years. Oh, and also I'm saving up cash to be able to do the buying or building without selling the current place. Since I don't have any idea how much that will cost I also don't have any idea what my savings goal is so I'm just shoving money away on the regular and trying to buy less shiny things.
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Feb 24, 2015 01:51
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Nocheez posted:- Reduce stress levels and amount of clutter in the house. I actually have found (work) travel and reducing clutter to go hand in hand. Once I began spending a significant percentage of my nights in hotel rooms, I learned very quickly how little stuff I actually needed.
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Feb 24, 2015 03:55
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