September 2017 Net Worth: $208,577.48

Officially in school for a month today. Loving my kids and life! My sister is running the Chicago Marathon this weekend, one of the best marathons out there. So excited!

ASSETS

Chase                            401.31

PNC                               4,188.77

CPS 403b                      90,251.51

IRA: Roth                     42,564.89

IRA: Traditional         1,386.72

More Vanguard Fun   24,633.66

Horace Mann 403b   3,370.13

Pension                        23,472.67

HSA                               1,529.12

Condo                           163,775

355,573.78

LIABILITIES

Credit Cards               572.53

Mortgage                    146,423.77

Total Net Worth:         208,577.48

Updates…

Cash Savings: First paycheck went to my business account, so transferred my paychecks to this account now.

403b: Almost maxed out.

IRA Roth and Traditional: Maxed out and ready to roll.

More Vanguard Fun: Investing what I would be putting toward rent into REITs.

Horace Mann: They keep calling me, so I think it’s a sign I should do something. 😉

HSA: AmeriTrade investment.

Credit Cards: Paying off in full each month.

Mortgage: Threw another 3k at this baby.

How are you doing with your net worth goals?

August 2017 Net Worth: $199,581.26

School is back in session, and it’s been a pretty good first week. Always a bit stressful getting back into the swing of things and getting used to new routines and such for the first month with a new group of kiddos. They seem super sweet, though.  The end of August brought along a beautiful trip to Banff National Park near Calgary.

ASSETS

Chase                            1,912.79

PNC                               6,656.99

CPS 403b                      84,572.00

IRA: Roth                     40,823.82

IRA: Traditional         1,350.72

More Vanguard Fun   23,777.07

Horace Mann 403b   3,363.62

Pension                        23,472.67

HSA                               1,160.28

Condo                           164,363

351,452.96

LIABILITIES

Credit Cards               2,447.93

Mortgage                    149,423.77

Total Net Worth:         199,581.26

Updates…

Cash Savings: Summer = no paycheck = lower cash money in da bank

403b: Almost maxed out.

IRA Roth and Traditional: Maxed out and ready to roll.

More Vanguard Fun: Investing what I would be putting toward rent into REITs.

Horace Mann: One day, I’ll do something.

HSA: AmeriTrade investment.

Credit Cards: Paying off in full each month.

How are you doing with your net worth goals?

July 2017 Net Worth: $199,435.86

Life is good in the new ‘hood, and summer is wrapping up. With a new condo, new trips (gondola in Venice!), and new roomies, this summer has been a lot of fun. School starts back up in a few weeks, and I am looking forward to teaching again. 🙂

ASSETS

Chase                            4,231.12

PNC                               7,015.37

CPS 403b                      83,939.84

IRA: Roth                     40,810.56

IRA: Traditional         1,340.58

More Vanguard Fun   23,715.18

Horace Mann 403b   3,359.02

Pension                        23,472.67

HSA                               1,160.28

Condo                           163,585

352,629.62

LIABILITIES

Credit Cards               3,494.98

Mortgage                    149,698.78

Total Net Worth:         199,435.86

Updates…

Cash Savings: Keeping my business account separate for tax purposes.

403b: Almost maxed out.

IRA Roth and Traditional: Maxed out and ready to roll.

More Vanguard Fun: Investing what I would be putting toward rent into REITs.

Horace Mann: One day, I’ll do something.

HSA: AmeriTrade investment.

Credit Cards: Paying off in full each month.

How are you doing with your net worth goals?

May 2017 Net Worth: $198,031.74

Well, May definitely brought me some flowers in the form of real estate. Within 3 days, I went to a showing, put in an offer, and got it accepted. Now, I’m doing something I said I would never do…buying a condo! No worries, though, since I’m looking at it from an investor’s POV, of course, and renting out two rooms. Gotta get that mortgage paid off somehow, right? 😉

ASSETS

Cash Savings               25,462.40

CPS 403b                      80,807.93

IRA: Roth                     34,877.90

IRA: Traditional         11,302.59

More Vanguard Fun   20,277.52

Horace Mann 403b   3,341.94

Pension                        23,472.67

HSA                               890.89

200,433.84

LIABILITIES

Credit Cards               2,402.10

Total Net Worth:         198,031.74

Updates…

Cash Savings: I don’t think I’ve ever had this much just sitting there…maybe before I cared about where my money is going. 😛 All set aside for my closing at the end of this month, of course. 🙂

403b: Almost maxed out.

IRA Roth and Traditional: Slow and steady…

More Vanguard Fun: All systems a go!

Horace Mann: Still annoyed. Still haven’t done anything. 

HSA: It’s on the list to get these funds invested.

Credit Cards: Paying off in full each month.

How are you doing with your net worth goals?

April 2017 Net Worth: $190,100.24

April meant Spring Break and traveling to Medellín, Colombia, a city that is re-building from a crime-filled past. Hopefully, May brings flowers in the form of real estate, since that is what I am finally pursuing next.

ASSETS

Cash Savings               396.42

CPS 403b                      74,878.88

IRA: Roth                     34,169.84

IRA: Traditional         11,027.51

More Vanguard Fun   44,686.89

Horace Mann 403b   3,334.83

Pension                        23,472.67

HSA                               636.35

192,603.39

LIABILITIES

Credit Cards               2,503.15

Total Net Worth:         190,100.24

Updates…

Cash Savings: I had to put rent on my credit card this month because I didn’t have enough in my checking account. Priorities (allocating to investing first). 😉

403b: Halfway to maxing it out!

IRA Roth and Traditional: This hasn’t been updated since mid-April, but they went up a bit.

More Vanguard Fun: All systems a go!

Horace Mann: These have just become annoying. Need to consolidate them. 

HSA: This goes up a bit with every paycheck. I need to call the HSA bank and make sure these funds are being invested well…

Credit Cards: This went up more than I thought it would…perhaps from my Colombia trip?

How are you doing with your net worth goals?

March 2017 Net Worth: $185,971.47

Off to the Tiny House Conference in Portland this weekend. So intrigued by these homes…not only the thought of embracing my inner Walden, but the appeal of saving a ridiculous amount of money and being able to travel wherever, whenever.

This month’s jump isn’t as impressive as February to March’s >10k increase, but I’ll take it. The district added an HSA option to medical insurance this school year, which I was pretty giddy to sign up for, so that’s an exciting new addition to the assets. 🙂 Also impressed with the side hustle income of $700 compared to March 2016’s side income of $390.

Let’s spring into it, shall we?

ASSETS

Cash Savings               1,462.01

CPS 403b                      69,639.62

IRA: Roth                     33,650.21

IRA: Traditional         10,816.66

More Vanguard Fun   44,234.93

Horace Mann 403b   3,328.49

Pension                        23,472.67

HSA                               381.81

186,986.40

LIABILITIES

Credit Cards               1,014.93

Total Net Worth:         185,971.47

Updates…

Cash Savings: Rent. Because I like where I live.

403b: Went up a good chunk thanks to payday contributions.

IRA Roth and Traditional: Went down a bit. Will hopefully have this maxed out by the end of May.

More Vanguard Fun: All systems a go!

Horace Mann: Will see what I can do to get this out and hopefully transfer to Vanguard. 

HSA: New addition. 🙂

Credit Cards: Paid in full every month.

How are you doing with your net worth goals?

 

February 2017 Net Worth: $179,904.22

A friend and I went to Havana in February for a weekend, and it was a definite throwback…no internet and old cars everywhere! So nice to see people actually looking at each other and not their screens. 🙂

ASSETS

Cash Savings               2,456.35

CPS 403b                      65,278.38

IRA: Roth                     33,959.50

IRA: Traditional         10,774.95

More Vanguard Fun   43,854.92

Horace Mann 403b   3,321.50

Pension                        21,728.93

181,374.53

LIABILITIES

Credit Cards               1,470.31

Total Net Worth:         179,904.22

Updates…

Cash Savings: This is back to normal because I’m finally getting a paycheck again! 😉

403b: I am back to contributing 2k from each paycheck to this, maxing it out in 9 pay periods.

IRA Roth and Traditional: Letting compound interest do its thing.

More Vanguard Fun: All systems a go!

Horace Mann: Not much of a change, but still a rise from last month. 

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

How are you doing with your net worth goals?

January 2017 Net Worth: $168,548.33

I took the trip of a lifetime over New Year’s…Antarctica! I have finally been to all seven continents! I started a teaching job right after, hence the craziness of not even putting up a January net worth post. My first paycheck after 6 months comes on Friday…that will feel nice again. 😛 I may have not made my end-of-the-year net worth goal, but it was completely worth it!

ASSETS

Cash Savings               517.03

CPS 403b                      63,249.20

IRA: Roth                     32,492.89

IRA: Traditional         10,452.12

More Vanguard Fun   38,902.50

Horace Mann 403b   3,314.44

Pension                        21,728.93

170,657.11

LIABILITIES

Credit Cards               2,108.78

Total Net Worth:         168,548.33

Updates…

Cash Savings: This has gone down because…ANTARCTICA!

403b: I can finally start contributing to this!

IRA Roth and Traditional: Letting compound interest do its thing.

More Vanguard Fun: This seems to be allocated well, considering I get e-mails telling me I can save an “additional $100” by moving this around. I’m good. Thanks. 😉

Horace Mann: I don’t know if there was any “retirement money.”

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

How are you doing with your net worth goals?

October 2016 Net Worth: $169,275.18

Well, there she is. Bye, bye Shima! We sold her this past month. I’m not going to say I didn’t cry. It’s silly, I know. A car. But, when it’s your first car, your dream car, and you think of everything that’s happened to you in the past 12 years, well, you know, memories and stuff. 😉

ASSETS

Cash Savings               5,811.90

CPS 403b                       60,037.09

IRA: Roth                     30,647.13

IRA: Traditional         9,898.64

More Vanguard Fun   41,283.95

Horace Mann 403b   3,296.47

Pension                        21,500.00

172,475.18

LIABILITIES

Credit Cards               3,199.31

Total Net Worth:         169,275.87

Updates…

Cash Savings: This has gone up because of the sale of my car.

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

IRA Roth and Traditional: Letting compound interest do its thing.

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

Horace Mann: They sent me a letter saying there may be some money owed from the Retirement fund, so I may be looking into that next month. 

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. 🙂

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?