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!

Six for Saturday (#12)

Happy Saturday, folks! I have done three workouts this week, so I am staying on top of that goal. I am also applying for a travel grant this weekend, so hopefully good news will be in store come April! Grant-writing is time-consuming, but it definitely makes you think about what you are doing. ūüôā

Here are six sweet reads for this week!

1. Buy a House or Rent?
Here are ten cities where it is better to buy a house than rent. My city (Chicago) is not one of them, and I am not surprised. Property taxes (and IL taxes, in general) are rising faster than the new construction. ūüėČ

2. Passive Income Rules All
I never thought about private lending as another way to have passive income, but this article makes me want to get into it!

3. How to Make an Extra $5,000 in 2016
My goal is to make an extra $6,000 in 2016. How will I do this? Well, by earning more and spending less, of course.

4. Stop Wasting Money on this Stuff
20-somethings (above) know how to waste some money. No need for the freshest, new trends when what you have will suffice. If it’s not broken, why fix it?

5. Is Rent Really Throwing Money Away?
I go back and forth on this all the time, but I am still happy about renting. I can’t see myself committing to something for 5+ years right now. I do not even know where I will be teaching next year!

6. Have Fun without Spending Money
It’s possible. Enjoy it!

Have a great weekend everyone!

Six for Saturday (#11)

 

How are you doing on your New Year goals, friends? I’ve cooked a new meal, worked out, and read more this week, so I’m working on them. I’ve also started the series, Jane the Virgin. Anybody else watch that? Quirky, but different. Cute show.

Here are the Six for this week…

1. Early Retirement
I plan on reaching financial independence in my 30s. These people explains how retirement in your 30s is possible.

2. Seven Money Lessons
My personal favorite is investing at a young age. I opened up a Roth IRA account¬†and maxed out two years (2015 and 2016) for my sister. I know she will thank me later. ūüėČ

3. 16 Habits for a Prosperous New Year
I am working toward increasing my savings for the year and reaching my goals toward financial independence.

4. Fitness Goals Save You Money
I love doing my Insanity workouts, and they motivate me for a great day ahead, including increased income through side hustles. Here are other ways your fitness goals can save you money.

5. Financial Truths Your Kids Should Learn from You
I am starting my personal finance unit soon at school, and I will be sure to implement these lessons!

6. Makes These Phone Calls to Save Money
Calling these companies every month will save you lots of money.

Have a great weekend everyone!

December 2015 Net Worth: $141,049.47

Happy New Year! I made $5,443 in side income last year (since August)! Hope your resolutions are going well.¬†Best wishes to you and yours this New Year! ūüôā Here is the update for December.

ASSETS

Cash Savings               2,510.92

Brokerage                    50.11

403b                            43,547.17

IRA: Roth                   23,370.28

IRA: Traditional         9,362.27

More Vanguard Fun   47,999.97

Car                              1,200.00

Pension                        15,865.77

143,906.49

LIABILITIES

Credit Cards               2,857.02

Total Net Worth:         141,049.47

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?