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? ūüėČ

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. ūüėõ All set aside for my closing at the end of this month, of course. ūüôā

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). ūüėČ

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. ūüôā 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. ūüôā

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. ūüôā

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! ūüėČ

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. ūüėõ 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. ūüėČ

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. ūüėČ

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. 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?

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?

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?

November 2015 Net Worth: $138,045.02

I apologize for the lack of posts in the past few weeks. I took a trip to South Africa in November, and well, I’m a Christmas elf at heart, so I’ve been watching Christmas movies with the family every night. That doesn’t mean I have stopped looking at my personal finance, though! Here’s November’s update…

ASSETS

Cash Savings               1,796.13

Brokerage                    50.11

403b                            43,547.17

IRA: Roth                   23,016.49

IRA: Traditional         9,220.52

More Vanguard Fun   45,269.75

Car                              1,200.00

Pension                        15,865.77

139,965.94

LIABILITIES

Credit Cards               1,920.92

Total Net Worth:         138,045.02

Updates…

Cash Savings:¬†I hate the “stupid tax” of making the¬†mistake of not having enough money in my account and getting a ‚Äúmaintenance fee‚ÄĚ from the bank. I also received three (yes, three) red light violations tickets at a whopping $100 each. Did I mention I hate having a car?

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. I actually spent cash on Friday because I did not have my card. It felt so weird.

How are you doing with your net worth goals?