Hi! I’m back!
13 whole days in Florida and the Caribbean and I’m back without a tan. My sun screen skillz are top notch. Hubs and my favorite part of the trip was at Coral World, a marine life park. We got to swim with sea lions, which was incredible, but we also got to see a hungry pack of iguanas. Have you ever seen 20+ 3 foot long iguanas chomping down on a pile of lettuce and tomato? Now you have 🙂
This post is also incredibly late so I’ll just jump right into the numbers! But first, a flashback!
November 2014: I bought a car!! My net worth dropped $13,575 as a result. I still had $18,596 in student loans.
November 2013: For being unemployed, I sure went to a lot of comedy shows! Maybe I needed the laughs to keep my spirits up. My calendar says I went to see at least 7 different comedy shows, including Brian Regan (my favorite!), Tom Segura, Josh Blue and 4 local comedians. I have a comedy problem.
November 2015: What happens when I leave $$ alone
Retirement: $23,745 (+1,100) If you were to imagine what a normal retirement saving month looked like, without any crazy gains or scary losses, this would be it. This month includes my recent bump to my 401k and normal IRA dollars. I checked yesterday and I only have 1 contribution left to my IRA for the year! Crazy, how the time flies when you are saving dollars.
Taxable: $8,485 I looked. It’s not pretty. Here I am trying to appreciate my 16 year old saving self, and I keep losing money every update. It’s quite sad.
Auto Value: $13,000 Valuing cars is stupid. I’m keeping this at $13,000 until the end of the year and then I’ll re-calculate. If anything happens to the car between now and then, I’ll also re-calculate. Recalculating, Recalculating. After that, I’ll update it every 6 months.
House Fund: $15,682 (+1,755) I see 15,000 reasons to be happy about this number. 682 extra reasons to do a dance. I’ve got less than $1000 to save to achieve Thing 1 by the end of the year! $771 in fact! We cashed flowed the vacation, so the first house fund contribution of the month was quite meager. I hope, I hope, I hope, I hope, I hope to achieve Thing 2 by the end of the year. Gosh darnit, if I can’t break into Thing 2 by the end of the year, I might boycott my own experiment.
Round Two Progress: (What is Round Two? check here!)
- Baby Saver: $2125 ✔
- Middle Saver: $7953 (Loan value: $5828) ✔
- Thing 1: $16,453 (Loan value: $8500) >in progress<
- Woot! $15,682 down, $771 to go!
- Things 2: $24,953 (Loan value: $8500)
- Big Momma: $45,330 (Loan value: $20,377)
HSA: $5,307 (+54) The medical bills are here.I have a bill on the fridge that I’m waiting for the right mood to pay. By “right mood,” I’m spacing out paying the bills so they coincide with each round of paychecks. It’s taken 2 years to build up my HSA account and I’m doing everything I can not to see a monthly update in red.
Car Fund: $275 (+50) This is fudging the numbers a bit, but by the time I checked this account after vacation, it had $300 in it. My heart welled with savings pride. I’m really saving! I’m not even messing with it!
Student Loan: $0! Happy 8 months student loan free to me!
Car Loan: $9,096 (-$376) This account is on auto payment, so I tend to forget about it. However, having it setting into 4 digits and about to break through $9000 has been fun. It’s a bit of a drag on my new worth, but at 1% interest, it feels like an effective use of money.
- Net worth: $57,398. Up $3,335 from last month.
A solid increase for November. $3,335 sounds exactly like an old student loan payment amount, which is wonderful and the whole point here. I wanted to stay on track with the momentum I had before throwing everything at my loans. It’s nice to see that coming true.
- Net worth increase: $129/day
I’m down a little bit for November, but this is still super excellent for the year.
How are you doing? Any big plans for the holidays?