August 2016 Net Worth: $173,157.16

 

The picture is in honor of my friend’s wedding this upcoming weekend. I love weddings!

You can just call it a “Side Hustle Summer.” With 2-3 babysitting gigs a week along with focus groups and selling items on the side, I am bringing in an okay amount of money. I mean, it’s no steady paycheck (miss those!), but it is still wonderful getting to do whatever you want whenever you want every single day. ūüôā

ASSETS

Cash Savings               6,145.13

CPS 403b                       61,284.85

IRA: Roth                     30,172.59

IRA: Traditional         9,929.23

More Vanguard Fun   41,318.89

Horace Mann 403b   3,284.83

Car                               1,200.00

Pension                        21,500.00

174,835.52

LIABILITIES

Credit Cards               1,677.96

Total Net Worth:         173,157.56

Updates…

Cash Savings: This has gone up, thanks to babysitting gigs and focus groups.

403b:¬†This isn’t happening until I get another teaching job.

IRA Roth and Traditional:¬†Letting compound interest do it’s thing…

More Vanguard Fun: I have more time to look into asset allocation.

Horace Mann:¬†This just stays there. I probably won’t do anything with it.¬†

Car: I should probably sell this already.

Credit Cards: I pay these off in full every month.

How are you doing with your net worth goals?

July 2016 Net Worth: $174,802.16

Excuse the late update; my WordPress was acting up. A couple updates, friends. A lot has happened the past month. The picture is from my sister and I attending World Youth Day in the motherland, Poland. As for the job front? Long story short, I have resigned from my job and am taking a “mini-retirement.” It feels wonderful. ūüôā

Now, that you’re settled in, let’s¬†see those¬†July/mostly August numbers. ūüėČ

ASSETS

Cash Savings               5,961.99

CPS 403b                       61,284.85

IRA: Roth                     30,521.24

IRA: Traditional         10,018.15

More Vanguard Fun   41,840.76

Horace Mann 403b   3,279.23

Car                               1,200.00

Pension                        21,500.00

175,606.22

LIABILITIES

Credit Cards               804.06

Total Net Worth:         174,802.16

Updates…

Cash Savings: I played a little around the with the Vanguard money to budget for the next few months.

403b:¬†This isn’t happening until I get another teaching job.

IRA Roth and Traditional: I maxed out my Roth!

More Vanguard Fun: I have more time to look into asset allocation.

Horace Mann: This went up about 10 dollars.

Car: It is time to sell this.

Credit Cards: I pay these off in full every month.

How are you doing with your net worth goals?

 

 

June 2016 Net Worth: $173,006.83

I just got back from Singapore and Thailand on Wednesday.¬†That photo is of me at the Marina Bay Sands infinity pool in Singapore.¬†I also fell in love with Chiang Mai and playing with the elephants! While I was on the trip, the stock market dropped a bit from Brexit, hence the net worth. But, such is life, right? Sometimes you win, sometimes you lose, but it all balances out in the end. ūüôā

ASSETS

Cash Savings               2,988.97

CPS 403b                       59,201.67

IRA: Roth                     24,444.13

IRA: Traditional         9,676.33

More Vanguard Fun   60,956.74

Horace Mann 403b   3,268.39

Car                               1,200.00

Pension                        15,865.77

177,602.00

LIABILITIES

Credit Cards               4,595.17

Total Net Worth:         173,006.83

Updates…

Cash Savings:¬†I¬†need to finally invest in a multi-family property this year, so my cash isn’t going away to rent each month.

Brokerage: Do you notice this is missing? I FINALLY transferred it over!

403b: It is summertime, so I am not able to put 60% of my paycheck into my Vanguard VTSMX fund. I am doing the best I can with side-hustle summer money, though.

IRA Roth and Traditional: This fluctuated a bit. Thanks Brexit.

More Vanguard Fun: I have been reading more and more about asset allocation, so I would like to balance this out.

Horace Mann: This only went up a few dollars. Should I switch this to Vanguard?

Car:¬†I would like to use this for job interviews, until I land one where I do not need it, then I’d like to sell it.

Credit Cards: I pay these off in full every month.

How are you doing with your net worth goals?

May 2016 Net Worth: $169,633.36

Oh, June, how I love you so. One more week of school! And then off to Singapore and Thailand! ūüôā

 

ASSETS

Cash Savings               1,222.27

Brokerage                    50.11

CPS 403b                       59,201.67

IRA: Roth                     23,780.11

IRA: Traditional         9,451.39

More Vanguard Fun   58,908.35

Horace Mann 403b   3,262.83

Car                               1,200.00

Pension                        15,865.77

172,5942.50

LIABILITIES

Credit Cards               3,309.14

Total Net Worth:         169,633.36

Updates…

Cash Savings:¬†I¬†need to finally invest in a multi-family property this year, so my cash isn’t going away to rent each month.

Brokerage:¬†I¬†realistically probably won’t transfer this ’til summertime.

403b: I am putting in 60% of my paycheck into my Vanguard VTSMX fund.

IRA Roth and Traditional: This fluctuated a bit.

More Vanguard Fun: I have been reading more and more about asset allocation, so I would like to balance this out.

Horace Mann: I haven’t been adding this fund, so I added it now.¬†

Car: I am going to start selling this next week!

Credit Cards: I pay these off in full every month.

How are you doing with your net worth goals?

April 2016 Net Worth: $159,777.23

Hey, May!¬†Good to see you. 7 more weeks! Just got back from a great trip to Rio de Janeiro. Highly recommend it for those who haven’t been. ūüôā Guess what I am starting this week with my students? A personal finance unit! So excited!

On to the fun stuff…

ASSETS

Cash Savings               2,010.81

Brokerage                    50.11

403b                           53,894.59

IRA: Roth                   23,829.99

IRA: Traditional         9,546.43

More Vanguard Fun   55,150.09

Car                              1,200.00

Pension                        15,865.77

161,547.79

LIABILITIES

Credit Cards               1,770.56

Total Net Worth:         159,777.23

Updates…

Cash Savings:¬†I¬†need to finally invest in a multi-family property this year, so my cash isn’t going away to rent each month.

Brokerage:¬†I¬†realistically probably won’t transfer this ’til summertime.

403b: I am putting in 60% of my paycheck into my Vanguard VTSMX fund.

IRA Roth and Traditional: This fluctuated a bit.

More Vanguard Fun: I have been reading more and more about asset allocation, so I would like to balance this out.

Car: Still have this guy.

Credit Cards: I pay these off in full every month, of course.

How are you doing with your net worth goals?

March 2016 Net Worth: $156,016.58

Happy April! This is the way I want to see it every month…net worth going up, up, and away! ūüėČ

ASSETS

Cash Savings               3,757.35

Brokerage                    50.11

403b                            51,456.14

IRA: Roth                   23,486.85

IRA: Traditional         9,408.97

More Vanguard Fun   53,442.54

Car                              1,200.00

Pension                        15,865.77

158,667.73

LIABILITIES

Credit Cards               2,651.15

Total Net Worth:        156,016.58

Updates…

Cash Savings:¬†I¬†need to finally invest in a multi-family property this year, so my cash isn’t going away to rent each month.

Brokerage:¬†I¬†realistically probably won’t transfer this ’til summertime.

403b: I am putting in 60% of my paycheck into my Vanguard VTSMX fund.

IRA Roth and Traditional: This fluctuated a bit.

More Vanguard Fun: I have been reading more and more about asset allocation, so I would like to balance this out.

Car: Still have this guy.

Credit Cards: I pay these off in full every month, of course.

How are you doing with your net worth goals?

February 2016 Net Worth: $148,424.31

March in Chicago is a fun time..especially when your net worth finally rises to the highest it’s ever been!¬†Let’s just keep on goin’ up, eh?

ASSETS

Cash Savings               1,127.41

Brokerage                    50.11

403b                            48,329.03

IRA: Roth                   23,183.94

IRA: Traditional         9,287.62

More Vanguard Fun   51,482.12

Car                              1,200.00

Pension                        15,865.77

150,526.00

LIABILITIES

Credit Cards               2,101.69

Total Net Worth:         148,424.31

Updates…

Cash Savings:¬†I¬†need to finally invest in a multi-family property this year, so my cash isn’t going away to rent each month.

Brokerage: I should really transfer this. It made .02 since last month.

403b: I am putting in 60% of my paycheck into my Vanguard VTSMX fund.

IRA Roth and Traditional: This fluctuated a bit.

More Vanguard Fun: I have been reading more and more about asset allocation, so I would like to balance this out.

Car: Still have this guy.

Credit Cards: I pay these off in full every month, of course.

How are you doing with your net worth goals?

January 2016 Net Worth: $132,125.51

Happy February!¬†I¬†am off to Iceland today to (hopefully) see the Northern Lights! There’s been a dip in the net worth this month, but as long as I prioritize and stay the course, I know I’ll be alright. ūüôā

ASSETS

Cash Savings               1,645.03

Brokerage                    50.11

403b                            43,547.17

IRA: Roth                   20,987.21

IRA: Traditional         8,407.60

More Vanguard Fun   45,326.85

Car                              1,200.00

Pension                        15,865.77

137,029.74

LIABILITIES

Credit Cards               4,904.23

Total Net Worth:         132,125.51

Updates…

Cash Savings:¬†I¬†need to finally invest in a multi-family property this year, so my cash isn’t going away to rent each month.

Brokerage: I should really transfer this. It made .02 since last month.

403b: I am trying to put 60% of my paycheck into my Vanguard VTSMX fund, but I have missed out on it the past three cycles.

IRA Roth and Traditional: This fluctuated a bit.

More Vanguard Fun: I have been reading more and more about asset allocation, so I would like to balance this out.

Car: Still have this guy.

Credit Cards: I pay these off in full every month, of course. I still put all my spend on credit cards, so that each dollar can work for me somehow and not the other way around. Hello, holidays! This was a big one this month.

How are you doing with your net worth goals?

Seven for Sunday (#14)

Happy Super Bowl Sunday! What team are you cheering for? I’m more of a snacks and commercials person myself. ūüėČ

Here are seven for this week. I’m off to Iceland on Friday (woo!), so I will not have one of these up for next weekend.

1.¬†Valentine’s Day (frugal-style)
I love Valentine’s Day! But, you don’t have to spend a bunch to make it great! Enjoy it, whatever you end up doing. ūüôā

2. Budget for the Things you Love
Pick three things in your life worth spending money on and don’t sweat it if you go a little over each month. This month for me is travel. It is one of the categories I do not sweat over, since it is something that I love and am passionate about. ūüôā

3. Last-Minute Super Bowl Party Tips
Hosting a party today? Here are a few last-minute tips. We are going to a potluck party; great idea!

4. Pay Yourself First
It’s one of the top rules of personal finance, so why aren’t more people doing it?

5. File Your Taxes
File your taxes, and make your money work for you!

6. Side Hustle Sunday
Every day I’m hustlin’. What do you do for your side hustle(s)?

7. Retiring Early 
A conversion ladder can help you do that. ūüôā

Enjoy the game (or Puppy Bowl)!

Six for Saturday (#13)

I’m trying to do one thing every day to work my way toward my goals. This morning, I am doing a Barre class at our local Lulu and then buying ingredients for another recipe tomorrow. Cooking is quite expensive, but I just keep telling myself I am learning a life skill. #worthit, right?

The picture is from Snowball, which is tonight. It benefits the Children’s Hospital and is a lot of fun! ūüôā

Here are six saavy reads for the week.

1. Cost of Living Comfortably 
I have a friend who just got a job offer in San Fran this past weekend. When I read what a “comfortable” cost-of-living is in that area, I was shocked. I am thankful for living in such a low cost-of-living city (Chicago) compared to others.

2. The End of Banks is on the Way?
Switzerland may be doing away with fractional reserve banking. There is an advertisement down the street from that reads, “We are becoming a bankless world.” Is this true? Is this where our world is heading? I believe so (at the least,the big branches)…

3. February No Spend Challenge
I am taking part in the February No Spend Challenge. Will you join me?

4. Saving 50% of Your Income
I’ve been doing pretty well with it this month. Are you willing to give it a shot?

5. Free Cars
This man buys cars, fixes them up, and then sells them for a profit. Great idea, and it has me feeling better if I need to buy another car next year! ūüėõ

6. Why Owning a Dog Makes You Successful
This has me wanting to get a dog tomorrow! ūüėČ

Have a wonderful weekend everyone!