I technically made my November goal of increasing my net worth by $5,850.98. Here's how it worked out.
House: +1359
Beneficiary accounts: +1235.26
IRA: +551.66 (458.33 deposit + 93.33 market appreciation)
Work retirement: +66.78
Short term savings: +1307.04 (1300 deposit + 7.04 interest)
Long term savings: +406.72 (100 deposit + 306.72 market appreciation)
Credit cards (paid in full each month): -2408.35
...The credit card total is a little misleading. I scheduled a payment for the 1st, so my total spending on the credit card is down significantly, but the corresponding amount has not been taken out of my bank account yet. I technically did not make my goal this month, but since I run the numbers the same time every month I am going to count it. I will probably not make my goal for next month.
December goal: increase network by $5,846.02.
These goals might start to get harder to reach because I have gotten the process rolling for getting braces. So far it has only cost me $32 and I have used my HSA to pay for it. I'll be getting another deposit in my account next month, and it might have about $1000 in it by then, but I'll have to either start contributing to it, or using some of the money I've saved in my short term savings account. I've been putting $500/month in there for the purpose of braces so it is definitely planned spending.
Still need to get the food spending under control. I have been working on a project that has been especially stressful and need to devote as much time to it as possible. Hopefully that will end tomorrow morning and I can tackle the food spending with renewed vigor.
1st of the month updates
December 1st, 2014 at 12:06 pm
December 9th, 2014 at 01:43 pm 1418132606
December 15th, 2014 at 12:09 pm 1418645362