May 2013 Net Worth

Emergency Fund: $10,101.16
Checking: $290.59

Travel: $0.02

Medical/Dental: $452.14

Education: $4,115.10

Roth IRA: $11,588.55

401k1: $8,513.13
401k2: $642.82

____________
Total Positive: $35,703.51

Rent: PAID
Groceries/Utilities: PAID
Phone: PAID

Subway: PAID

Credit cards: $117.81
____________
Total Negative: $117.81


Net Worth: $35,585.70

Another hard month.  More dental work, and it's far from over.  My credit card bills have been high, mostly from said dental work, but I still have to cut down on the day-to-day junk.

April 2013 Net Worth

Emergency Fund: $10,094.95
Checking: $236.07

Travel: $0.02

Medical/Dental: $251.89

Education: $4,112.57

Roth IRA: $11,244.12

401k: $8,570.39

____________
Total Positive: $34,510.01

Rent: PAID
Groceries/Utilities: PAID
Phone: PAID

Subway: PAID

Credit cards: $1,026.33
____________
Total Negative: $1,026.33


Net Worth: $33,483.68

Between dental work and a haircut this past month, I'm down about $700.  I don't think we've seen the last of the dentist either.  Can't deal.

March 2013 Net Worth

Emergency Fund: $10,088.56
Checking: $176.64

Travel: $0.02
Medical/Dental: $355.56

Education: $3,920.12

Roth IRA: $10,985.79

401k: $8,113.25
____________
Total Positive: $33,639.94

Rent: PAID
Groceries/Utilities: PAID
Phone: PAID

Subway: PAID

Credit cards: $725.33
____________
Total Negative: $725.33


Net Worth: $32,914.61

We got our tax refund back and applied $3,000 of it to my Education fund.  We set some aside for the future, and some for vacation, too.  Yes, it was another big refund (though not as big as last year).

February 2013 Net Worth

Emergency Fund: $10,082.78
Checking: $99.00

Travel: $0.02
Medical/Dental: $315.37

Education: $620.69

Roth IRA: $10,999.38

401k: $8,164.00
____________
Total Positive: $30,281.24

Rent: PAID
Groceries/Utilities: PAID
Phone: PAID

Subway: PAID

Credit cards: $1,083.13
____________
Total Negative: $1,083.13


Net Worth: $29,198.11

Welp, I didn't quite make my goal of a $30k net worth by February, but I got pretty close, mostly by interest and accident.  I clearly lost focus in the spending department.  It didn't even go crazy with the shopping, so I'm not really sure what that number is made up of.  I guess it's time to whip out the old spreadsheet.  I know I say that every time I update, but now that I have an iPhone, I don't really have an excuse.  I need to take advantage of the plethora of apps out there and just update it on the reg, and in real-time.

January 2013 Net Worth

HAPPY NEW YEAR!

Emergency Fund: $10,076.38
Checking: $87.48

Travel: $0.02
Medical/Dental: $30.23

School: $260.48

Roth IRA: $10,464.60

401k: $7,772.83
____________
Total Positive: $28,692.02

Rent: PAID
Groceries/Utilities: PAID
Phone: PAID

Subway: PAID

Credit cards: $1,018.61
Student Loan: ****PAID IN FULL**** (from over $19k)
____________
Total Negative: $1,018.61


Net Worth: $27,673.41


See what I did there?  I decided that, after 6 years of paying student loans, I'd had enough.  I took money from my sub-accounts to pay the remaining balance.  I know a couple thousand might not seem like a lot, but it felt good to be able to close that chapter and move on.

I was lazy for most of December as far as updating my spending spreadsheet, so I spent a lot of money on sandwiches, snacks (usually between $7-$15/day), and other things I didn't need.  Throw in some Amazon orders, a phone upgrade, and I'm not even sure what else, and there you have it.  For January, I will definitely be using my spending spreadsheet to keep myself in check.  No use getting rid of my student loan debt only to let my consumer debt get out of control.  Still paying it off every month, but let's shoot for a more sensible $400 next month.

December 2012 Net Worth

Emergency Fund: $10,065.40
Checking: $212.74

Travel: $0.01
Medical/Dental: $425.12

School: $670.25

Roth IRA: $10,211.53

401k: $7,663.24
Sharebuilder: $51.39
____________
Total Positive: $29,299.68

Rent: PAID
Groceries/Utilities: PAID
Phone: PAID

Subway: PAID

Credit cards: $309.56
Student Loan: $2,613.21 (from over $19k)
____________
Total Negative: $2,922.77


Net Worth: $26,376.91

I spent November packing up returns and counting my pennies (literally -- thanks, Google Drive!).  I'm still waiting on one refund from Land's End ::shakes fist::, but I'm feeling pretty good about my progress.  I'll continue to keep a spending spreadsheet through December to keep my spending down.  I didn't even take the bait on any Thanksgiving weekend sales, which is proof enough, I think, that it helps tremendously.

November 2012 Net Worth

Let's just dive right in and pretend like I didn't skip a month.  Onward!

Emergency Fund: $10,058.95
Checking: $286.84

Travel: $50.34
Medical/Dental: $200.30

School: $602.67

Roth IRA: $10,273.64

401k: $7,612.06
Sharebuilder: $219.05
____________
Total Positive: $29,303.85

Rent: PAID
Groceries/Utilities: PAID
Phone: PAID

Subway: PAID

Credit cards: $1,362.50
Student Loan: $2,850.00 (from over $19k)
____________
Total Negative: $4,212.50


Net Worth: $25,091.35

My goals for this month will be as follows:

i) Stop spending (I've been able to get a handle on the online shopping, but I've been to Marshall's twice in the past 2 days, and managed to buy 1 handbag, 3 scarves, and some Turkish delight (Why do they stockpile the Turkish D?  Who even eats that shiz (besides me)?).  It is not lost on me how tantalizingly close I am to $30k.  Can I make it by... February?;

ii) Contemplate hiring a life coach and a stylist so I can finally get shit done/have a 12-piece wardrobe and never have to think about clothes-shopping again;

iii) Learn new things.  Sewing, for instance.  I should do that.  Start making jewelry.  I should do that too;

iv) Take better care of myself (i.e, no more Turkish delight, cigarettes, or weeks without shaving my legs).  My weight, while not decreasing significantly, is fine, however.