Emergency Fund: $3,189.43
Checking: $51.99
ING Funds (total): $484.77
Roth IRA: $3,663.12 (out of the $5,400 I've invested so far)
401k: $1,286.05 (out of $1,349.92 invested)
Sharebuilder: $27.50 (out of $50 initial investment)
____________
Total Positive: $8,702.86
Rent: Paid
Phone: $20.00
Credit card: $2,782.61
Student Loan I: $11,079.74
Student Loan II: $0
____________
Total Negative: $13,882.35
Net Worth: -$5,179.49
Aaand I've got a little over $100 to pay for recent ebay purchases through paypal, which is entirely separate from my credit card debt. Wow. I cannot afford to keep spending like this. How many times have I said that now? I've got to return as much crap as possible tomorrow before my statement period ends around the April 11th. How desperate does that sound? Well, it feels pretty gross. Luckily, I believe I can make a moderate impact on that credit card balance, as long as I stay away from the home shopping networks. And no more ebay.
Monday, March 30, 2009
Wednesday, March 4, 2009
March 2009 Net Worth
Emergency Fund: $2,952.43
Checking: $100
ING Funds (total): $20.07
Roth IRA: $3,159.67 (out of the $5,400 I've invested so far)
401k: $985.78 (out of $1,349.92 invested)
Sharebuilder: $23.61 (out of $50 initial investment)
____________
Total Positive: $7,241.56
Rent: Paid
Phone: Paid
Credit card: $534.45
Student Loan I: $11,557.29
Student Loan II: $0
____________
Total Negative: $12,091.74
Net Worth: -$4,850.18
I've been hit pretty hard in my investments (as I'm sure we all have), so at the suggestion of another blogger, I've revised my goals. So here they are in the order of importance:
-Reduce extraneous spending. Namely, no more online purchases.
-Build my emergency fund back up to $6k as soon as possible. Put aside at least $500 a month toward this goal.
-Put at least $500 a month toward my remaining student loan until it's under 10k.
-Start putting money into ING funds again.
-Reduce Roth IRA contributions until the above goals are satisfied.
-Do taxes ASAP for refund. Use refund toward balancing grocery, electric and gas bills with boyfriend, and put the rest in savings. Create a grocery budget for the two of us.
Checking: $100
ING Funds (total): $20.07
Roth IRA: $3,159.67 (out of the $5,400 I've invested so far)
401k: $985.78 (out of $1,349.92 invested)
Sharebuilder: $23.61 (out of $50 initial investment)
____________
Total Positive: $7,241.56
Rent: Paid
Phone: Paid
Credit card: $534.45
Student Loan I: $11,557.29
Student Loan II: $0
____________
Total Negative: $12,091.74
Net Worth: -$4,850.18
I've been hit pretty hard in my investments (as I'm sure we all have), so at the suggestion of another blogger, I've revised my goals. So here they are in the order of importance:
-Reduce extraneous spending. Namely, no more online purchases.
-Build my emergency fund back up to $6k as soon as possible. Put aside at least $500 a month toward this goal.
-Put at least $500 a month toward my remaining student loan until it's under 10k.
-Start putting money into ING funds again.
-Reduce Roth IRA contributions until the above goals are satisfied.
-Do taxes ASAP for refund. Use refund toward balancing grocery, electric and gas bills with boyfriend, and put the rest in savings. Create a grocery budget for the two of us.
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