September was another great month, at least in the financial sense. My net worth increased by around 4 percent:
|Liquid Assets||Start||End||$ Change|
|Cash & Checking||$2,100||$2,700||+$600|
|Illiquid Assets||Start||End||$ Change|
I stuck to my budget and only went $1 over. In my last post I mentioned that I needed a new laptop. And I bought a replacement near the end of the month once I realized I was $300 under budget. The replacement ended up being a chromebook instead of another $1,000 macbook air. I am not in grad school anymore so a laptop really isn’t necessary since I have a work-provided laptop. I thought I would regret a purchase of a lower quality macbook alternative, but I was immediately satisfied. My only complaint is that the screen does not get very bright, which is kind of a big deal since I have low vision. My budget is below:
|(1) Bills & Utilities*||$175||$147||$28 under|
|(2) Food||$300||$206||$94 under|
|(4) Everything Else||$300||$423||$123 over|
|Total (1+2+4)||$775||$776||$1 over|
Another financial happening includes earning an additional $800. And I’m still spending quite a bit on healthcare costs. Hopefully one day I’ll be able to tame this beast of an autoimmune disease. Next year I am going to try and be more mindful of my transportation (i.e. ubers & lyfts) to and from my doctor’s appointments. I’ll be doing more pooling and sharing.
Anyway, I have not shared my goal progress in a while:
|3||401K Loan Payments||$2,500||$4,375||175%|
|4||Emergency Fund Contributions||$1,000||$1050||105%|
|5||Increase Net Worth||$20,000||$30,000||150%|
I made my 2018 goals at the beginning of the year under the assumption that my income would remain unchanged throughout the year. Since I was promoted, I far exceeded most goals. I am predicting that my net worth will increase by another $10k by the end of the year, and I’ll likely meet my retirement contribution goal as well. Hopefully I’ll hit a $100k net worth in 2019.
3 thoughts on “Net Worth Update – September 2018”
I was a former Mac user gone Chromebook. I’ve had it for a few years now and really like it. Everything is stored in the cloud.. I’ve noticed since then the resolutions on CBs are much better. Could you see if a different model will provide better brightness?
Nice increase on the NW.
Thanks! I thought about exchanging the chromebook for a different model but I got such a good deal on it, I figured I’d stick with it and reevaluate in a year.
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Way to go on your progress! It’s great that you brought in so much extra money (and that you were able to find such an inexpensive laptop replacement). October has an extra workday in it, and I won’t have to pay my health insurance premium this time around (since I paid it last month), so I suspect my progress will be a lot better next month.