It has been a great month in general. I just felt good this month and laughed a lot.
(Have I ever told you how highly I think of Hugh Laurie, who plays Dr. House? I don’t watch ‘House’ any longer, but when I did, I was totally fooled into thinking he was American until I started watching interviews.
Such a fantastic, dry wit!)
HUGH LAURIE on ELLEN
American vs. British slang
INCOME = $11,085.49
- Gross Income, not net!!
- About $200 or so is from selling stuff…
EXPENSES = $5549.15
My expenses that say $15,041.44 every month are very misleading sometimes.
I include government taxes (medicare, and social security for instance), savings and retirement in there, so when I remove them out, my actual expenses are around $5500 which makes me feel better.
I still save all my receipts when I shop so I can keep track of everything (very OCD).
NET WORTH = $204,569.44 an increase of $12,912.57 or 6.74%
It was just a day ago I was at $199,950 and started scrounging around in my wallet to find more money, ANYTHING, even using balances on my Starbucks card to make my $200,000 net worth goal.
Turns out I had nothing to worry about.
My investments closed on Friday, and put me up by $4600 in a day and well over my $200,000 net worth goal.
I had already met that net worth goal in February 2012, but the stock market has been taking a beating since then.
The $12,000 increase is 50% stocks going up, and 50% actual savings.
NET WORTH IN REVIEW (MOST RECENT 12 MONTHS)
Let’s try and stay at $200,000 shall we?
TOP 5 CATEGORIES OF SPENDING
Yeah, don’t look at the Wardrobe line item.. *digs toe into dirt*
I haven’t received everything I bought, which means I can try it on and then return anything I don’t like.
Maybe it’ll be everything…..!
Save, save save!* is my motto for the rest of the year.
*Within reason. I’m not about to start shaving my head so I can save on haircuts.
I really need to try and stick to that and stop getting suckered into looking at stuff online and thinking:
OMG FREE SHIPPING AND RETURNS!?? Come to momma!!
So I made little charts of what I’ve been saving to motivate myself.
FIRST HALF OF 2012 NET SAVINGS IN $
Calculated by taking my gross income, removing taxes to get my net income, and then calculating how much I had leftover in my budgets each month along with retirement savings.
FIRST HALF OF 2012 NET SAVINGS IN %
This is the net savings in percentages against my net income, not my gross.
Really, net worth is more important to me, but it’s also nice for me to see how much I save each month, even if the stock market goes on a roller coaster.
It’s the actual SAVING that makes wealth possible. 🙂
I’d like to see the bars and lines climb as high as possible, so I really need to dig deep and try to have another month like May where I didn’t buy much.