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September update.Turbinosamente posted:Financial Welp my alluded to life change and e/n drama last month didn't pan out (I thought I might be moving out finally) so things are mostly status quo for me yet again. Is it bad that I've already begun devising next year's goals? Because boy is there some poo poo I want to do differently come January first.
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Sep 28, 2023 13:55
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September Update 2023 Financial Goals
2023 Personal Goals
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Oct 1, 2023 02:34
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End of September Update 2023 Financial Goals 1. Get veterinary fund back to $3000 - $2247 of $3,000 2. Contribute full amount to 401(k) - Set on auto 3. Set aside money for Roth IRA for 2024 - $950 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 - Went on a vacation and didn’t budget very well… ended up completely blowing my eating out budget. Maybe next month 4. Read 15 books - 17 of 15
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Oct 2, 2023 01:13
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September Update What a complete mess of a month. I accomplished absolutely nothing, and I'm only posting to hold myself accountable. Financial Crossing this out. I moved, and I'm here, and that's all.  - $5,000 travel $0 to go (topped it off from the bills account surplus)- $20,000 emergency $5,912.66 to go Making progress, but I don't know if I'm going to make it to $20k by the end of the year - $5,000 bills $-267.23 to go 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 Nope. - limit five takeout/order-in meals a week Nope.  - listen to at least 3 hours of NRK Alltid Nyheter a day (jeg må øve!  )Nei. Personal (one-timers) DONE. A nice little Acer TravelMate.  - have my fibroids removed (or the whole uterus, whatever works) - have my wisdom teeth removed Nope. DONE. A handvac, designed to handle pet hair too.
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Oct 2, 2023 19:28
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September Financial Max various retirement accounts incl 401(k), IRA, HSA - All on pace, adding wife's new 457 for new job Supplemental: save an additional $15K towards house down payment by EOY. 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 - 7/20 Not great, but have at least eight more on the books already, not counting holiday time, which should get me there. Read 25 books - 15/25 falling behind more! I read The White Ship by Charles Spencer (good, interesting time period, suffers from the problem of Too Many People to keep track of and insufficient focus), Ithaca by Claire North (excellent in parts, premise is somewhat derivative [Madeline Miller did it better/first] but unique enough, ending is unsatisfying and insufficiently Greek), The Towers of Trebizond by Rose Macaulay (classic; very English). Going on a lazy vacation and should be able to bang out a few more to catch up in October. Exercise 150+ days - 114/113 on pace! Set up KG3 room and infrastructure - not finished but made some good progress
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Oct 3, 2023 14:52
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October UpdateTurbinosamente posted:Financial On the whole a good month, but I am definitely gonna change goals for next year. There will be more concrete financial ones, and I am going to change my media consumption goals as my 5/5/5 plan no longer works well. Time for specificity!
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Oct 30, 2023 15:06
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End of October Update 2023 Financial Goals 1. Get veterinary fund back to $3000 - $2647 of $3,000 2. Contribute full amount to 401(k) - Set on auto 3. Set aside money for Roth IRA for 2024 - $1,463 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 - better but not consistent 3. Cut down on eating out - Not great this month…. 4.
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Nov 1, 2023 17:19
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October Update This month I learned that my epilpsy is triggered (at least primarily) by lack of food. My appetite is kind of dodgy, but if I ate less than the equivalent of 2-3 meals in a day, even if I felt completely fine before going to bed, I'd wake up having had a seizure in my sleep, which is super dangerous. I'd wake up with my tongue and/or the inside of my mouth severely bitten, and now that the weather's finally gotten cooler, I'd also wake up with my cat near my bed rather than on it. As much of a relief as it is that I finally put two & two together, it also led to me spending more on food and being more careful to "over"eat (that is to say, eat whether or not I'm hungry, more than I necessarily want to, on a schedule).  Financial Crossing this out. I moved, and I'm here, and that's all. - $5,000 travel -$2,020.11 to go - $20,000 emergency $2,208.16 to go thinking about topping this off from my travel and/or bills surplus - $5,000 bills $-267.23 to go 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 Nope. - limit five takeout/order-in meals a week Nope. I mean, poo poo, I ordered in TODAY. - listen to at least 3 hours of NRK Alltid Nyheter a day (jeg må øve! )Nei. Personal (one-timers) DONE. A nice little Acer TravelMate. - have my fibroids removed (or the whole uterus, whatever works) - have my wisdom teeth removed Nope. And it's looking like getting my fibroids removed is more urgent than I thought, since they apparently affect appetite. DONE. A handvac, designed to handle pet hair too. edit: never too late to fix a typo 
YeahTubaMike fucked around with this message at 20:29 on Nov 1, 2023 |
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Nov 1, 2023 20:26
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October Update 2023 Financial Goals
2023 Personal Goals
* We did a lot around the city with our kids this month. It was really great having this family time, and I'm forever grateful to live near a city that has opportunities like this because I certainly didn't growing up in a rural area.
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Nov 3, 2023 01:00
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I've kind of dropped off this thread because I've been changing some things. I've repaid my home renovation loan from my taxed brokerage account. This frees up €300 per month, of which I'm sending €50 per month to an extra payment on my mortgage, the rest goes to my e-fund and if that's full back to the brokerage account. The interest on my mortgage is still low, but it's only fixed up to 2030. I know it'd be more efficient to put that money in a savings account and repay then, but I want to repay a bit more automatically, in a way I barely notice since it's basically what I pay for a trip to the grocery store. Just for my own psychological reasons. So you could say that I've hit my goal of paying back that loan, but I feel like this is kind of cheating, since I was planning to do it from monthly salary payments. The "good" news about taking this money out of my brokerage account is that I accidentally timed the market right. The days after, there was a dip that my simple four ETF portfolio hasn't really recovered from yet. My home and emergency funds are not back to a combined 20k yet. They're at 16k, and I'm not sure I can get it to 20k by the end of the year. Early next year, I'll definitely get there. All my other stuff is kind of chugging along. I'm thinking of simplifying my goals for next year. They'll already be simpler because I don't have the loan to think about anymore
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Nov 3, 2023 10:00
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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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Thanksgiving Week 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 Done - Put 10k/month in to taxable Put in 15k/month from January - June. Now that loans are paid off, can go back to this. - Put 3k/month in to savings On hold with student loan payback, will resume - 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
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Nov 21, 2023 15:53
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November Update 2023 Financial Goals
2023 Personal Goals
Good-Natured Filth fucked around with this message at 15:06 on Dec 1, 2023 |
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Nov 30, 2023 17:57
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September-November Update. Basically hosed on almost everything but I might as well write it down. Financial
Life
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Dec 1, 2023 14:36
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November UpdateTurbinosamente posted:Financial Mostly mad about my spending this month; can only do better next month/year. Speaking of, if no one beats me to it I can start up next year's soon ish when I'm next at a desktop. I've got no clever ideas for a thread title so I'll take any suggestions.
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Dec 1, 2023 16:50
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Turbinosamente posted:November Update Financial Goals 2024: But I mean for real this time...
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Dec 1, 2023 17:10
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LanceHunter posted:Financial Goals 2024: But I mean for real this time... That's pretty dang good. Won't be able to get to the new thread until Sunday at the earliest. And yes I have been already outlining new overly ambitious goals to fail for 2024 and need to speak them into existence on the internet.
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Dec 1, 2023 17:14
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End of November Update 2023 Financial Goals 1. Get veterinary fund back to $3000 - $2873 of $3,000 - dog had to go to the vet which delayed completing this one 2. Contribute full amount to 401(k) - Set on auto 3. 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 - It turns out I suck at convincing myself to exercise. Maybe next year… 3. Cut down on eating out - Did pretty well at this last month, hoping to carry it through the rest of the year. 4. Read 15 books - 27 of 15
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Dec 1, 2023 17:22
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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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2024 goals thread is up and running here: https://forums.somethingawful.com/showthread.php?threadid=4048642 If you wanna plan ahead and organize your thoughts.
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Dec 3, 2023 04:16
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pmchem posted:in 2023 I'm gonna buy an individual corporate bond and hold it to maturity i failed at this, eyeballed some but transaction costs ate too much into desired yield and it annoyed me. maybe I'll do it in 2024
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Dec 3, 2023 16:25
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November Update On one hand, I got laid off.  On the other, it means I've been eating a lot less takeout/delivery.  Financial Crossing this out. I moved, and I'm here, and that's all. - $5,000 travel -$2,044.44 to go - $20,000 emergency $-65.32 to go - $5,000 bills $-304.42 to go 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 Nope. - limit five takeout/order-in meals a week I don't think so, but I haven't exactly been counting and I know it's been a lot less. - listen to at least 3 hours of NRK Alltid Nyheter a day (jeg må øve! )I've been listening a lot more (after all, I've got more time on my hands), but again, I haven't been counting. Personal (one-timers) DONE. A nice little Acer TravelMate. - have my fibroids removed (or the whole uterus, whatever works) - have my wisdom teeth removed Nope. And it's looking like getting my fibroids removed is more urgent than I thought, since they apparently affect appetite. DONE. A handvac, designed to handle pet hair too. edit: typo YeahTubaMike fucked around with this message at 23:05 on Dec 14, 2023 |
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Dec 14, 2023 22:55
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I wasn't a SA member when this thread started, but my 2023 goal was to invest 50% of my take home pay. I was able to do that, and I just noticed that my unrealized gain for 2023 exceeded my total take home pay. First that's happened to me, so that's pretty exciting. I've been investing consistently since 2016.
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Dec 20, 2023 01:43
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December UpdateTurbinosamente posted:Financial Well its been a good year despite flubbing a few goals, and keeping track monthly has decidedly shown me what I need to work on still. I've kinda already flipped over to my 2024 goals, so here's hoping I can continue the success!
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Dec 22, 2023 14:34
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EOYUpdate 2023 Financial Goals
2023 Personal Goals
Not a bad year. Good-Natured Filth fucked around with this message at 01:16 on Dec 28, 2023 |
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Dec 27, 2023 22:02
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Omne posted:Woohoo, 2023! Welp. Let's call this year a disaster pretty much, at least from a goals perspective. 1. Yes 2. No 3. Nope, $16k 4. lol nope 5. Nope On the personal front, a bit better... 1. Yup (27) 2. Yup 3. Nope 4. Nope 5. Nope (178 active days) Omne fucked around with this message at 00:59 on Dec 29, 2023 |
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Dec 28, 2023 23:51
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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 I didn't really make a lot of goals this year, just plodding along I suppose. Brokerage is $48,635 more than the Roth IRA as of today. Overall liquid-ish worth (cash, 401k, ira, hsa, brokerage, etc) is up $164K. A lot is from the market but ultimately I just keep buying. I have an outsized goal of $1M in these accounts by 40 years old (2 years and 4 months to go). This seems...unlikely without some large bonuses. I have also realized that it is ok to spend a little more to do stuff and enjoy life. I just got a random bonus and my partner was like so you are just going to buy VTSAX aren't you?.... I might spend $1000 on myself though.
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Dec 30, 2023 02:53
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Semi-triumphant EOY update Financial Nonfinancial Go skiing 10 days in the year - 9/10 days December sucked rear end for skiing in the Northeast and I wasn't willing to drop time and money just to nominally close this out. Use all my PTO time - 17/20 Due to some chaos I wasn't able to use all of it, but at least I get it rolled in to next year. Read 25 books - 22/25 Added a few novels and some parenting books, but came up short. Exercise 150+ days - 136/150 Not good enough! I will need to back this down next year anyway, but it was a disappointing finish to the year. As usual did fine on the financial and not so well on the non-financial. I will need to make adjustments for the impending lifestyle change in 2024.
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Dec 31, 2023 16:03
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End of 2023 Update Overall I'm pretty happy with where I ended up. I didn't complete every goal but there's always next year. 2023 Financial Goals 1. 2. 3. 4. Help Mr. Pipistrelle set up an IRA - Failed 5. 6. 7. 8. 9. 2023 Personal Goals 1. 2. Yoga at least x2 a week - Did better this month, hoping to carry the momentum through to 2024 3. Cut down on eating out - Did ok, we ended up going out to eat a bit more than normal, but it was the holidays and we had PTO so oh well. 4.
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Jan 1, 2024 00:55
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Hope you don’t mind if I copy your homework. 2024 Financial Goals 1. Maintain veterinary fund at $4000. Jet, my cat, has heart disease and will likely have at least one more cardiac event this year. The e-vet visit will be expensive, since I didn’t get insurance for him when he was young. So my goal is to always be ready to fully pay off any of our trips to the ER in 2024. 2. Max out 401(k). I am of the nature to grow old. I cannot avoid growing old. I must prepare. 3. Investigate backdoor Roth. Assuming I'm employed at my same MAGI for this entire year, I can't contribute to my Roth IRA for TY 2024. I should see if it makes financial sense to go through the back door this tax year. 4. Set up my sister’s finances and associated accounts. I’m worried about her dentistry career and her financial security. I can’t do much about her career prospects, but I can at least guide her finances. 5. Start new 2024 budget. My approach to budgeting has historically been very slapdash, and I only just recently understood how to properly use a credit card with YNAB. I'll use my 2023 reports to inform my 2024 budget, but I'll archive the old one. 6. Spend less than $100 combined on snacks and takeout/delivery per month. Holy poo poo food is expensive now. Until wages and salaries are rightfully raised to match, limit the money I spend on them. Also, I've been indulging way too much and way too impulsively, sooo yeah. (TODO: Add more.) 2024 Personal Goals 1. Care for my cat. I mentioned my cat earlier - he's my most important charge, and he's senescing. Although he's in good spirits and has a respectable amount of energy for being more than 14 years old, he still has heart disease and either IBD or small cell lymphoma. He probably will not see 2025. So we're going to make this the best year ever. 🖤 2. Fix birth certificate. My family is going to file for Italian citizenship via jure sanguinis, but my birth certificate has clerical errors and inaccuracies that need to be amended first. Unfortunately, that birth certificate is in a completely different state than the one I live in! That will require filing a case with both my local and birth state courts and city halls, and it's going to be a huge pain in the rear end. But this is blocking the rest of my family from Italian citizenship, so I need to get this done. I've got the documents, I'm just waiting on some remaining clerical work from the lawyer I've been working with before I can file. Wish me luck, everyone  3. Return to my low-carb, time-restricted feeding diet. Good lord have I fallen off that bandwagon. I've gained a sizable amount of weight thanks to impulsive snacking and choosing sugary treats and alcohol for hits of dopamine (to stave off stress and depression). This year, I need to get back to doing two things: minimizing carbohydrates (i.e. stop eating sugar, bread, chips, crackers, chocolate, etc.) and limiting my meal hours (i.e. only eat between 12PM~8PM and stop raiding the office mini-kitchen). 4. Reassess career. Now that I've spent over two years on this project at my job, I think it's time to move on. I'm not happy on my current team, and I'm also uncertain about the company at large. And, uh, whether I'll still be working there by the end of the year. On either my or their terms. I've also been insanely burnt out and dissatisfied with the work I do, and have lost my confidence and self-respect as a software engineer. I'm uncertain of my future career prospects as well, so I want to do something that makes me feel like I'm actually fuckin' learning and growing. 5. Make one song per week. I want to make music, get good at making music, and enjoy making music. I have hella brainworms about making music, and 2023 was a thoroughly unproductive year in that sense. Therefore, I need something to keep me accountable and force me to get over my blank canvas anxiety. So I signed up for WeeklyBeats 2024! It's meant to "encourage musicians to be productive, creative, and have fun", so god willing this will get me to stop fearing the creative process. Especially since my output is expected to be over one minute in length, and fully complete rather than a snippet or WIP. (This is a lofty fuckin' goal, considering I have zero musical training or production education. We'll see how much of this I get done.) 6. Add structure and schedule to my life. ADHD has hosed over my adulthood. I can't organize, plan, or schedule for poo poo. I don't feel productive, creative, or diligent. I wish I was someone who was more organized and put together, and knew exactly what to do with their time and energy. So I'm going to try and be more like that person. I...honestly don't know how to do this, other than leaning on my calendar and to-do list for everything. But I'll try to figure something out! (TODO: Write actionable items for this.) 7. Meet people. 2020 was going to be my year!!! I would turn 30 years old and become a Normal Well-Adjusted Adult!!! And then COVID happened. And we all got quarantined for almost 2 years. And now it's been almost 4 years since my 2020 resolutions and I'm somehow even more isolated and alone. I'm starting to feel my age - if I don't make more and stronger friends, and soon, I'm hosed. I need a stronger social net, and I need it now. 8. Practice guitar every MTRF and follow a practice plan. I like guitar, but so far I've just been plonking around on it like an idiot. So when I look over to it, I feel bad about how little progress I feel like I've made and start avoiding it. I need to practice guitar regularly, even just for 30 minutes at a time. And I also need to follow a plan or course as I do - I have no idea what I'm doing! (And I want to get good enough to go back to my old teacher, who I stopped going to because I felt bad that I couldn't keep up.) 9. Go into the office more often. I've gotten too used to work-from-home days. And despite my commute currently being absolute garbage, I still think showing up in person every day is worth it - cause then I'm less likely to be hated or laid off! Right!?  Okay, this one's a lofty goal. How about going in on Wednesdays again...?(TODO: Add more.) 2024 Financial Un-Goals 1. 2. (TODO: Add more.) Pollyanna fucked around with this message at 18:23 on Jan 1, 2024 |
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Jan 1, 2024 17:11
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Pollyanna posted:Hope you don’t mind if I copy your homework. Love it! I always look at other people’s goals before setting mine for the new year. Also, come post your goals in the 2024 Financial Goals thread if you haven’t already!
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Jan 1, 2024 23:05
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Good call!
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Jan 2, 2024 01:07
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grenada posted:Hoping to get some side hustles really moving in 2023. . interested in seeing how this poster is doing.
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Jan 2, 2024 06:09
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since I started this poo poo for real Year 401k IRA HSA Total Retirement Savings 2017 16,522 0 0 16,522 2018 24,082 0 0 24,082 2019 52,673 6,517 0 59,190 2020 83,353 14,399 0 97,752 2021 124,399 23,094 0 147,493 2022 121,734 24,586 0 146,320 2023 169,794 37,087 3,601 210,482
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Jan 2, 2024 07:03
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zaurg posted:since I started this poo poo for real Great job!
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