September 2015 Budget Roundup = $481,614.21 or an increase of $24,240.80 or +5.30%
It’s been a tough few months; rewarding, but tough. You can read my brain dump here.
Work has also become increasingly stressful. The hours are picking up (yay? overtime? …) and it will more than likely continue like this until next year.. June, perhaps?
As I said in my brain dump, there’s a good chance I’ll stay here for a long time.
If I don’t, I’ll be happy to have a break. If I do, I will be happy to make more money.
I’m at the point where it is comfortable living, but once I buy that place to live (sometime next year in the summer, I wager), I will be taking a HUGE $300,000 hit to my net worth.
More on that under the net worth section below.
INCOME = $22,789
All from my day job, working 9-to-5.. *sings*
EXPENSES = $4201.38
At least it didn’t reach $5000. Could have been $3200 but then I shopped .. naturally.
- My whole post on how perfect my skin is can be found here. Strangers now stop me & ask me what I’m doing. PROOF!
…and those Parking Fees also got me because of this #@%&#@(* nonsense:
I heard on the radio the other day, the host ranting about these stupid signs. It went along the lines of: You can park here, but only on Tuesdays before 11 a.m. between the months of April to October without the holidays because those are on a special schedule, but only if you have a permit because you need to only be beyond this pole ….but if you are past this pole then it is OK but only if you don’t have a permit because permit parkers need to be near the pole if it is Tuesdays and Thursdays between the months of February and August….. You get the drift. Frustration abound. Speeennnndddiiinggggg! And not all of it on myself. I bought gifts for my mom & my partner.
TOP 5 CATEGORIES OF SPENDING
NET WORTH: $481,614.21 or an increase of $24,240.80 or +5.30%
Note: This is all my own money.
My partner has his own savings and investments which I do not dabble in because we are both control freaks and he is as alpha as I am but I am definitely more into investing & saving than he is.
He’s more into the old-school way of being super frugal.. we sorta balance each other out.
The past 12 months have looked like this:
I’ve increased my net worth by $225,969.86 in the past year.
Almost a quarter of a million!!
Woo hoo! I am just liking this trajectory.
WHY ARE YOU SAYING YOU WILL NEED TO STOCKPILE CASH
Sooo about that condo purchase.
If I am out $300,000 net, that means I have about $181,000 left as a net worth because I am paying for the house in cash.
YES I KNOW interest rates are low but debt is debt, even at 2% interest.
I may get a line of credit just to have a line of credit just in case my house needs… an infusion of ready cash.
I will do it like Tim & remove it from my regular net worth calculations and just put a note on the physical asset cost itself (my half of the place which would be $250,000 I suppose) and consider it fixed.
I’m not going to calculate & recalculate the cost of my home each month / year because that’s a done deal. I will then just track my investments as part of my on-going net worth as I will be mortgage & debt-free.
My dividends are about $4200 so far this year.
I just kind of buy stocks and let them pay me whatever.
October is the best month EVER. I’m talking hot drinks in the morning, warm sweaters, knee-high boots and fabulous coats.
*shivers with shopaholic delight*
It’s also a terrible month for shopping temptation.
I am already eying the following: