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?

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. 🙂

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?