HAPPY NEW YEAR!
Emergency Fund: $10,076.38
Checking: $87.48
Emergency Fund: $10,076.38
Checking: $87.48
Travel: $0.02
Medical/Dental: $30.23
Medical/Dental: $30.23
School: $260.48
Roth IRA: $10,464.60
401k: $7,772.83
____________
Total Positive: $28,692.02
____________
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.
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.
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