January 2009 Net Worth

Emergency Fund: $2,258.57
Checking: $150.50
ING Funds (total): $149.98
Roth IRA: $3,634.04 (out of the $5,000 I've invested so far)
401k: $813.04 (out of $986.48 invested)
Sharebuilder: $31.30 (out of $50 initial investment)
____________
Total Positive: $7,037.43

Rent: Paid
Phone: Paid
Credit card: $650.00
Student Loan I: $12,166.94
Student Loan II: $0
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Total Negative: $12,816.94


Net Worth: -$5,779.51


Luckily, January is a 3-paycheck month. I'm doing better, but I need all the help I can get.

Things aren't going great at work, and I'm pretty sure somebody's going to get axed. I definitely need this health insurance policy, so it would be horrible timing if it's me.

I've signed up for a silver-smithing class at my local adult-ed, and even though it costs a couple hundred dollars, I think it'll keep me from spending more in the long run, at the very least because it will take up 3 hours a week. Plus, I spend so much on jewelry, I should probably know what goes into making it, right? I should also take a cooking class and a pilates class, but baby steps, right?

Take it to the limit

Today has been sort of a big day. Even though I'm at a record monetary low, I paid off my smaller student loan, and I made my final 2008 Roth IRA contribution.

I will welcome any bonus money that may come to me, as well as the "extra" check in January (it's a 3-check month). Both will go directly into savings. I've already "treated" myself enough this year.

December 2008 Net Worth

Emergency Fund: $918.83
Checking: $380.77
ING Funds (total): $254.00
Roth IRA: $3,390.94 (out of the $4,900 I've invested so far)
401k: $668.96 (out of $882.64 invested)
Prosper: $60.83 (out of $100 in loans)
Sharebuilder: $30.41 (out of $50 initial investment)
____________
Total Positive: $5,704.74

Rent: Paid
Phone: Paid
Credit card: $458.28
Student Loan I: $12,555.22
Student Loan II: $121.02
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Total Negative: $13,134.52


Net Worth: -$7,429.78


Clearly, almost everything that could've gone wrong has. I'm desperately trying to pull myself together. I'm returning nearly all of it, but for every package I return, two more show up in my mailbox. I still don't know how this happened.

November 2008 Net Worth

Emergency Fund: $5,638.24
Checking: $917.32
ING Funds (total): $361.78
Roth IRA: $3,138.44 (out of the $4,900 I've invested so far)
401k: $621.53 (out of $882.61 invested)
Prosper: $12.25 (out of $100 in loans)
Sharebuilder: $26.65 (out of $50 initial investment)
____________
Total Positive: $10,716.21

Rent: $825.00
Phone: $50.00
Credit card: $3,217.30
Student Loan I: $12,771.10
Student Loan II: $208.06
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Total Negative: $17,071.46


Net Worth: -$6,355.25


Not only am I losing buckets of money from my retirement accounts, I am currently spending like I never have before. It makes me ill to see these numbers, and it will take me months to regain the losses I incurred.

October Net Worth

Emergency Fund: $5,128.24
Checking: $922.04
ING Funds (total): $1,207.78
Roth IRA: $4,048.12 (Out of the $4,700 I've invested so far)
401k: $686.12
Prosper: $9.18 (out of $100 in loans)
Sharebuilder: $38.49
____________
Total Positive: $12,239.97

Rent: $825.00
Phone: $50.00
Credit card: $1,480.74
Student Loan I: $12,956.21
Student Loan II: $383.00
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Total Negative: $16,300.95


Net Worth: -$4,060.98

Ouch. I've fallen into some bad habits. We've been lax on the bookkeeping, but I believe I've got a few hundred dollars coming to me from my boyfriend for furnishings reimbursements. I have been shopping like mad, however, which needs to stop. Some of it I "need," like new pants; I'm down a couple sizes, so I literally have no pants... although, I could just invest in a belt. I do have enough jewelry though, and going down a ring-size isn't a good enough excuse for a new ring wardrobe.

I did, however, finally get my weight-loss benefit reimbursement of $150 from my insurance company, which was put directly toward my loans. Plus I've been remembering to bring my lunch almost everyday, which has done wonders for my waistline, at least.

I lost about 5 lbs this past week, which is a total of almost 25 lbs lost since the end of May. I'm excited that I'm only about 15 lbs now from my first goal weight (I'll reassess when I get there).

Get your own graph at skinnyr

I know the graph looks really bumpy, but it's because they only show it for a certain time period. If it were an option to zoom out, you'd see a more even trend. :P

September Net Worth

Emergency Fund: $4,300.00
Checking: $2,629.66
ING Funds (total): $341.98
Roth IRA: $4,289.35 (Out of the $4,500 I've invested so far)
401k: $599.76
Prosper: $6.12 (out of $100 in loans)
Sharebuilder: $42.86
____________
Total Positive: $12,209.73

Rent: $825.00
Phone: $50.00
Credit card: $944.88
Student Loan I: $13,176.10
Student Loan II: $530.07
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Total Negative: $15,526.05


Net Worth: -$3,316.32