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Member
Posts: 44,152
Joined: Jun 22 2007
Gold: 3,100.00
Feb 23 2021 11:28am
Quote (RedFromWinter @ Feb 23 2021 12:22pm)
Current Financial Status
Income - ~3x average household income in my area
401k - 80k and climbing, doing the max contribution allowed per year, not a big fan of 401ks but following conventional advice now.
Savings - enough to pay all insurance deposits + $2k cushion, can sell off investments if SHTF to cover extra costs.
Checking - enough to cover full monthly credit card expense.
Credit Card - at 20k limit ROFL, enough sky miles to go around globe twice now.
Stonks: 1.5k invested, going to put another 2k into the bucket.
Crypto: 1k invested, doing weekly buys of 100$ to either BTC or ETH.
Home: 40% paid off on 120k$ property, pandemic interest rate < 3%. My wife could cover the mortgage easily with minimum wage.
Assets: THOW ~ 40k
Other: 2x vehicle, 1x offshore cruiser boat, 1x trailable weekend boat
Debts: Just mortgage

2021 Goals
Home: Finish ~180 square footage in my house, install washer/dryer.
Vehicles: Fixup 98' Forester, maintain 14' Impreza. Rebuild diesel engine on offshore boat (-$$$ :( )
Assets: Sell THOW
Crypto: Keep buying at least $100 weekly. Try to rejigger my cyrpto bot for *USDT pairs on Binance US.


Got a good deal on that house.

This post was edited by obisent on Feb 23 2021 11:29am
Member
Posts: 33,580
Joined: May 9 2009
Gold: 3.33
Feb 23 2021 11:32am
I track my finances on an excel spreadsheet not on the public domain, but you do you boo

Open offer to anyone if they want my budgeting tool which calculates your net worth and pension pot
Member
Posts: 64,656
Joined: Oct 25 2006
Gold: 260.11
Feb 23 2021 11:36am
Quote (dro94 @ Feb 23 2021 11:32am)
I track my finances on an excel spreadsheet not on the public domain, but you do you boo

Open offer to anyone if they want my budgeting tool which calculates your net worth and pension pot


I have a spreadsheet with more detail. This is just for broad strokes
Member
Posts: 7,170
Joined: May 11 2009
Gold: 5.00
Feb 23 2021 11:44am
Quote (obisent @ Feb 23 2021 11:28am)
Got a good deal on that house.


Indeed, and low tax out in the boondocks. Real-estate is a wild animal. People in the cities/urban areas getting squeezed.
Member
Posts: 27,655
Joined: Aug 17 2020
Gold: 0.00
Warn: 80%
Feb 23 2021 01:20pm
Current goal: 10,000 euro in an indexfund

After that maybe increase emergency fund to 1 year expenses or buy a badass 4K gaming pc.

Current: 7450 euro spread in indexfunds (world, emerging markets, smallcap)

Once I have 10k invested and have my gaming pc I will reevulate my goals. Maybe stockpicking, crypto (prolly not) or continue buy indexfunds.

Recently not really sure what makes me happy. I thought it was owning my own house / apartment but renting (if cheap) can be nice too

Member
Posts: 36,898
Joined: Oct 20 2007
Gold: 0.00
Feb 27 2021 10:02am
January to February Update:

Reduced cash by 16.09%
Increased marketable securities by 53.09%
Increased hobby assets by 24.65% lol
Credit card balances increased 92.26%
several hobby items; balances are paid off each statement and are not carried forward.

NW increased 3.45%
Member
Posts: 36,898
Joined: Oct 20 2007
Gold: 0.00
Apr 1 2021 05:43am
February to March Update:

Reduced cash by 22.48%
Increased marketable securities by 31.42%
Increased retirement accounts by 3.33%
Increased hobby assets by 31.81% lol
Credit card balances increased 15.88%

NW increased 3.77%
Member
Posts: 36,898
Joined: Oct 20 2007
Gold: 0.00
May 1 2021 05:25pm
March to April Update:

Increased Cash by 0.18%
Increased marketable securities by 11.34%
Increased retirement accounts by 6.81%
Increased hobby assets by 3.28%
Credit card balances increased 24.59%

NW increased 5.32%

Currently not on track to hit NW goal by EOY. However, I am expecting a job offer this coming week which will increase my salary by roughly 29%. Within the next 3 weeks, I'm hoping to get an offer from a Fortune 10 for a 51% increase in salary.
Member
Posts: 36,898
Joined: Oct 20 2007
Gold: 0.00
May 7 2021 10:19am
Started a side hustle last week but not sure how long I can keep it going. I have spent roughly one hour of my time and have made $605.
Member
Posts: 364
Joined: Aug 12 2020
Gold: 0.00
Warn: 10%
May 7 2021 11:22am
2021 Goals:
Cross 5 Million dollar mark in portfolio, currently at 10,000
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