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September update 2022 Financial Goals
2022 Personal Goals
LanceHunter posted:[*]Max out my work's charity donation matching. - Not on pace. What's the max here that you're trying to hit? It may be worth calling this goal a loss for the year and focusing on paying down your CC debt. Good-Natured Filth fucked around with this message at 21:29 on Oct 1, 2022 |
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Oct 1, 2022 13:10
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Good-Natured Filth posted:What's the max here that you're trying to hit? It may be worth calling this goal a loss for the year and focusing on paying down your CC debt. It’s just $1000. I’d been meaning to set up an $85/month automatic payment to make it happen but then held back since I was trying to pay more of the CC debt down, and now that I haven’t done that the chance to make a big lump sum payment isn’t really in the budget. So yeah, likely a loss on this one barring some unexpected windfall. Alas, there’s always 2023.
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Oct 1, 2022 20:59
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9 Month Update Current State - My student loans: 170k, currently 0% interest, no payments until  - Mortgage on 30 year fixed at 2.875% Financial Goals for 2022: - Max out Backdoor Roth IRAs for me/wife: Done - Max out wife's Mega Backdoor Roth. On track - Max my 401k when I become eligible this summer. Became eligible with job/promotion, on track, almost done. - Put in 11k/month in to taxable. - Put in 3k/month in to savings. On track - Start a 529 plan for Baby Evil. - Increase net worth to the next million. - Stretch: Increase net worth to next 500k. RIP the market AGAIN - Look in to refinancing student loans after 0%/forbearance ends in January. Debating on what to do. I may just pay these off early next year since I'm no longer eligible for PSLF, even though I work at a non-profit hospital. 
Residency Evil fucked around with this message at 04:34 on Oct 2, 2022 |
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Oct 1, 2022 21:09
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Net worth: basically the same as at the start of the year. No increase despite 9 months. No property. Covid.
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Oct 1, 2022 21:13
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Financial Goals Personal Goals Switch to cold showers (4 for 4 so far) --- we'll see how long this lasts as the temperature drops, but I'm doing fine on this Lose 15 lbs (from 190 to 175) via the following sub-goals: -Portion control; -Daily workout after dinner, even if it's just walking a couple miles outside; -Replacing cookies and chips with fruits and vegetables in my diet --- Mostly done, I seem to keep gaining and losing the same final five pounds based on the size of dinner or having dessert. Publish a story/poem (annual goal going back a ways, haven't missed it yet) --- Time to get cracking... Use at least one week of leave every two months (I have a LOT built up) --- Not doing well at this at all, and it doesn't look like my holiday else will get approved. Oh well, I'm sure I won't regret this on my deathbed! Reconnect with friends I let drift during covid, one message/call per week --- A friend I was worried would drift away is still connected. Glad they're there and that I could reach out. Reading everyone else's goals and writing out my own is motivating, thank you! --- Still true!
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Oct 2, 2022 03:46
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Omne posted:Keeping it simple again for 2022 Q1 | Q2 Q3 Update 1. On Track 2. $500/$500/$500 3. $100/$100/$100 4. $400/$400/$400 5. $200/$200/$200 Personal Goals 1. COMPLETE. 8 this quarter, 21 for the year 2. 7/13/11. Ouch. 3. Nope
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Oct 2, 2022 21:02
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it's never too late to start, right? final quarter of 2022 goals - get a promotion or a second job: this one should be a total slamdunk! i'm applying for a ton of other jobs and my manager is looking to transfer to another store, so i'll keep my fingers and toes crossed. my current job does owe me a £100 bonus, as well as £200 for my overtime in the marketing department, both of which i've remembered while typing this, so i have to chase them on that one - hit 4k in savings: again, another slamdunk, so long as i keep at it. i've got a payment set up putting £40 into my savings account every fortnight, and my goal is to deposit at least a quarter of my paycheck every month into it, but we'll see if i remember that - improve my credit score: this sounds super vague but is probably the one i've been most on the ball with over the past few weeks. i got approved for my first credit card last week, it arrived today, and my actual concrete specific goal is to spend at least £25 a month and pay it off. my big problem with this isn't even the money itself, it's that i'm ditzy as gently caress and will almost certainly forget. might need to get somebody irl to yell at me a few times a week just so it sticks - take a look at my subscription services: not even with the intention of cancelling them, i just want to rethink them all. atm i pay for netflix, spotify premium, and i'm pretty sure i still have a subscription going for a prison email service i haven't used since my boy got out last august - actually establish a rent-paying schedule: i rent from my parents and just siphon the money out of my account gradually as and when i feel like it but i need to get into better habits and actually pay my rent by a set date in a set sum - learn to ride a bike: because i spent £15 a week on uber last week and i don't have time for this poo poo any more
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Oct 11, 2022 18:09
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when you rejigger your subscriptions, put some of them on the cc, and then set autopay boom, i have ensured you will marginally increase your credit score over time
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Oct 11, 2022 18:48
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Open enrollment is coming up, and I'll just say to get short term disability insurance. Broke my right shoulder last week and couldn't use the computer and was worried I'd have more time off than my PTO could cover. Was worried I would have to get surgery but LTD doesn't kick in for 90 days. Thankfully it's an easy break to heal. I almost self-owned because I declined it last year, and I sure as poo poo am enrolling in it again this year. I do have an emergency fund, but even a little bit of income would have been a nice guarantee. Upside is I've maxed my deductible for the year 
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Oct 13, 2022 00:39
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w4ddl3d33 posted:it's never too late to start, right? one week and one day update: - today i learned how to ride a bike! - last week i cancelled a subscription i didn't even know i had, but, using the money i'll save from this and from cutting down on smoking, i've began therapy. i'm hoping this will be a good investment in the long run (and money spent on self-improvement is always fine by me) - i've spent and paid off over £100 on my credit card since getting it a few weeks back. this might seem like a lot, but i used it to buy some chrismukkah presents, and a win is a win - got an interview for a role that pays almost 10k more per year than my current job  - i'm at a little under 2.1k in my savings right now
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Oct 19, 2022 16:25
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Current Status as of October 31, 2022 A good month for net worth goals. Topped off my HSA for the year and bought $10,000 in I Bonds before the end of the month. The last remaining tax advantaged space I have for 2022 is ~$8k in my 401K. However, my plan has outrageous fees so I am in no rush to top that off. Assets Total Cash = $65,368 (+ $5,454) Total Investments = $94,896 (+ $5,058) Total Property = $588,590 (- $1,800) Total Retirement = $164,799 (+ $9,532) Total Assets = $913,653 (+ $18,244) Liabilities Total Credit Card = $4,849 Total Other = $724 (iPhone upgrade program) Total Mortgage = $252,249 Total Liabilities = $257,822 Net Worth = $655,831
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Oct 31, 2022 21:39
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My net worth is basically the same.
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Oct 31, 2022 21:55
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YeahTubaMike posted:See you in October! I think I'll aim for December 1 next time. As for my current financial goal status: -$15,000 for emergencies ($2,023.55 to go) -$6,000 for travel ($1,636.47 to go) -$3,200 for bills ($672.14 to go) Apparently, the 70000 Tons of Metal cruise is going on sale, and I'm still not entirely sure how much travel money is going toward that.  Anyway, my personal goals:-get down to 208 pounds (my scale broke, time to replace it  )-eat at least two meals a day at home, unless one or more of them is free (eeeeeehhhh I plead the fifth )-buy a vacuum -pare down my insanely large useless t-shirt collection -get my third COVID booster (still haven't done this, still trying to find the most convenient weekend...)
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Nov 1, 2022 00:41
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October update 2022 Financial Goals
2022 Personal Goals
* Basement cost breakdown for those interested
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Nov 1, 2022 16:41
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October Update! 1. Raise net worth from $260k to $310k. $289k. RIP this goal 2. Increase emergency fund from $16k to $18k. $17.9k 3. 4. 5. Make one extra mortgage payment. 0.97 extra payments made. 6. Contribute minimum $4k to Roth IRA. $3760 contributed. 7. No new consumer debt! On track. Not getting full paychecks for a few months there sucked, but was glad I had planned ahead. Should meet all but goal #1 on my next paycheck. spinst fucked around with this message at 15:18 on Nov 2, 2022 |
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Nov 2, 2022 02:18
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My batting average is low but I still have a couple months left. moana posted:2022 Goals My reading has slumped due to a stretch of terrible books but I think I can read another 15 by the end of the year and while there have been some crap ones, there have also been some keepers. I like to read a bunch of different books so I can pick which ones to give as Christmas presents. The Windup Girl was amazing! but also too depressing to give as a present haha
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Nov 2, 2022 02:59
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October Update: Financial
Life
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Nov 2, 2022 03:59
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End of Octobeer Financial Goals - Pension Pot £105k - ISA £9.8k - Short Term Savings £4400 - NW £138k Personal Goals - Finally got back to the house improvements and spent Saturday deciding on new living room curtains, also got a quote for reinforcing the garden fence for the next storm and cried a little - Buy new (used) car with Short Term Savings in Q3 or Q4 - Might be inheriting my partner's mum's car here as she doesn't drive it anymore - that would be a great saving and can push the short term savings goal to next year's refurbs/holiday - Run and/or cycle at least twice a week nope nope nope, idiot boy - Take one hour a day off screen at lunch when working - finishing this post and doing that right now
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Nov 2, 2022 14:01
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w4ddl3d33 posted:it's never too late to start, right? update: - worked a trial shift for one new job, through to the final interview for another - currently at £2673.33 in savings - credit score went from just over 600 to a little over 900 - i got a bike as a gift and now i ride a minimum of five miles a day. i save between £14 and £21 a week on travel because of it, but once i get more confident and i fully cut out public transport it'll be about £45 a week. pretty neat
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Nov 3, 2022 00:38
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Financial Goals for 2022
Personal Goals for 2022
Ornery and Hornery posted:New goal: Avoid anger or depression when reading the wealth of other goons in the Financial Goals 2022 thread. Not even close to on track. Some people ITT generate more net worth in a month than I do in a year despite my miserly saving and their lavish recreational spending. I’m angry as gently caress. All in all this year I got Covid twice and it looks like both my financial and biological health will be worse at the end of 2022 than at the start. Terrific. poo poo sucks, gonna find a dog to pet.
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Nov 3, 2022 18:42
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Ornery and Hornery posted:Not even close to on track. Some people ITT generate more net worth in a month than I do in a year despite my miserly saving and their lavish recreational spending. I’m angry as gently caress. I'm down to join you on a new exercise goal if you want to start small, like, working out once a week or pushups every day or something. I'm in terrible shape and my kid brought home a ton of candy "and I got Twizzlers whenever they had them because I know you like those, mama!" poo poo, kid, thank you and gently caress my sugar intake for this month I guess.
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Nov 3, 2022 19:41
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moana posted:I'm sorry duder, comparison depression sucks. It's all down to luck for a lot of it (both the money and the Covid) and sometimes poo poo gets unlucky and it seems hopeless to get ahead. I hope you pull out of it. set yourself a new personal goal, deadline is as soon as humanly possible, to learn that red vines are infinitely better than twizzlers
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Nov 4, 2022 03:45
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1. You can't give out red vines on Halloween, at least I've never seen them individually wrapped. And 2. gently caress red vines.
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Nov 4, 2022 06:01
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Twizzlers actually have a licorice aftertaste, red vines taste like someone melted restaurant crayons and mixed in high fructose corn syrup. gently caress it now I'm eating another twizzler, thanks a lot
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Nov 4, 2022 06:08
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How soon is too soon for a 2023 goals thread? I did okay overall on my 2022 plans, but at this point I'm basically getting a head start on next year.
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Nov 7, 2022 16:34
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YeahTubaMike posted:-get down to 208 pounds (my scale broke, time to replace it So, over the past few days, I started experiencing symptoms of anemia. Those symptoms were alleviated by upping my iron intake, thank goodness, but this also leads me to believe that it actually was anemia. Even if it wasn't though, long story short, dieting doesn't seem like the greatest idea right now, so I'm shifting my goal to being more active rather than actively trying to lose weight. 
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Nov 8, 2022 04:35
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Turbinosamente posted:How soon is too soon for a 2023 goals thread? I did okay overall on my 2022 plans, but at this point I'm basically getting a head start on next year.
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Nov 8, 2022 18:23
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moana posted:Do it! The thread or the goals, lol? I am a piss terrible OP writer.
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Nov 8, 2022 18:38
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Turbinosamente posted:The thread or the goals, lol? I am a piss terrible OP writer. gaze back on the poo poo OP i posted in '20 and ask yourself: could i possibly do worse
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Nov 8, 2022 19:42
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KYOON GRIFFEY JR posted:gaze back on the poo poo OP i posted in '20 and ask yourself: could i possibly do worse You'd be suprised; I don't have the "it" factor to pull off a swagger style OP like yours, and I tried it once. But I'm convinced, I'll see if I can scrape together something Wednesday night. I am an old who finds it much easier to copy/paste the relevant info from the current OP on desktop versus mobile.
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Nov 8, 2022 20:20
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Found some time and made a 2023 goals thread if you're ready to flip the bird at 2022 and try again next year: https://forums.somethingawful.com/showthread.php?threadid=4017136
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Nov 9, 2022 18:50
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November Update! 1. Raise net worth from $260k to $310k. $296k. RIP this goal 2. 3. 4. 5. 6. 7. No new consumer debt! On track. Now to start thinking of next year's goals... On a side note, I am really glad I replaced my fence earlier this year. We had a gnarly storm earlier this month, and my neighbor's fence fell over and one post snapped. And theirs was nicer/newer than my old one. That would have been a pain to deal with. spinst fucked around with this message at 18:32 on Nov 25, 2022 |
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Nov 25, 2022 18:11
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November update 2022 Financial Goals
2022 Personal Goals
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Nov 29, 2022 17:20
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November Update: Financial
Life
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Nov 30, 2022 17:25
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Take this as you will but I think you're really underprioritizing your emergency fund. How many months of your minimized living expenses is $1,000? It's admirable to donate to charity but I think you should take that end of year charitable donation and put it in your efund.
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Nov 30, 2022 17:30
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Financial Goals Savings rate over 50% Back up to 53% which should see us through it to the end of year open 529 for KG3 not yet Nonfinancial Goals Read 25 books. I hosed this up last year. Time to get it done. 21so far, I have a few in progress that I need to close out. I also do a horrible job keeping track of it. Exercise 150x over the course of the year. 132 through November. Serious illness hurt my progress but I think I should be able to close it out with 18 days in December. Ski/snowshoe 10 days or more 8 Hopefully I pick up the last two in December with the above.
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Nov 30, 2022 17:48
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KYOON GRIFFEY JR posted:Take this as you will but I think you're really underprioritizing your emergency fund. How many months of your minimized living expenses is $1,000? It's admirable to donate to charity but I think you should take that end of year charitable donation and put it in your efund. Maybe we've got different definitions of emergency fund? I'm considering it the fund for random life events where I might need liquid cash immediately, or where putting it on a credit card would hurt my ability to pay the card's full balance that month. Things like unexpected car repairs, medical expense, the kinds of things that are in the famous Fed survey about if you would cover a $400 emergency expense completely using cash or its equivalent (which, looking at the results now, seems to be trending a lot better than when it first came out). In terms of savings that I might have to live off of in the event that I was suddenly without a job, but where I could accept taking a week or two to actually get it in cash, I've got enough to cover a little over 2 months' worth of my full expenses. Which is admittedly low, but that's not a part of this goal.
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Nov 30, 2022 20:14
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KYOON GRIFFEY JR posted:Read 25 books. I hosed this up last year. Time to get it done. 21so far, I have a few in progress that I need to close out. I also do a horrible job keeping track of it. If you're looking for an app to track your reading, I'm a big fan of StoryGraph which is a great alternative to Goodreads if you dislike Amazon.
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Dec 1, 2022 00:10
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Good-Natured Filth posted:If you're looking for an app to track your reading, I'm a big fan of StoryGraph which is a great alternative to Goodreads if you dislike Amazon. I will check it out. I do not care for the Beez
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Dec 1, 2022 00:16
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YeahTubaMike posted:I think I'll aim for December 1 next time. As for my current financial goal status: Good morrow, kind goons. Here's my almost end of the year update: -$15,000 for emergencies ($465.34 to go) this should be fine by mid-month* -$6,000 for travel ($616.57 to go) this should be fine by mid-month -$3,200 for bills ($539.02 to go) this should be fine by mid-month even if I spend some I decided I'm not doing 70000 Tons this year...probably. Having to take three PTO breaks in the first half of the year, AND find someone to take care of my cat for all three -- eh. I don't think so. Other goals: -eat at least two meals a day at home, unless one or more of them is free I did better this month than previous months, but I still don't really consider this goal fully met -buy a vacuum nope  -pare down my insanely large useless t-shirt collection the laundromats nearest to my apartment were completely hosed so I had to use them as reserves all month Well, at least I got my money right.  For now I'm going to see Amon Amarth tonight, and then I'll work on my 2023 goals when I get back. In the meantime,   * edit: I'll come back mid-month and confirm that I failed/succeeded. Gotta stay accountable. YeahTubaMike fucked around with this message at 23:31 on Dec 1, 2022 |
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Dec 1, 2022 23:27
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