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.