sdkramer's Extreme Financial Makeover

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sdkramer
Posts: 298
Joined: Mon Apr 30, 2007 11:03 am
Location: Michigan
Contact:

Postby sdkramer » Fri Jul 31, 2009 1:58 pm

Oh. I forgot to mention. I had a job as soon as I moved down, it's just my expenses have been out of control, apparently for a year. I'm trying to do better. It's been a while since I posted, but here's what I've got:

Assets:
Roth: 5690.85
401k: 16687.33
ING: 759.27
Credit Union: 5
Fidelity Credit Card: 1
Pending deposit 1838.51

Liabilities:
-3809.94 BofA Card
-9279.38 Student Loan

My dad died in June and that was a financial hit as well as a personal one. I had to take out 1500 from my Roth to have enough cash. The BofA card is going to carry a balance this month, which I'm not wild about. I need to do real money planning and soon. For now I'm just skating by. I should be receiving life insurance money soon however which will reimburse me for a handful of expenses. I feel thrice as out of control as the last post. And still nothing has gone to the Roth. I've missed out on the investment month since the 1930s.

sdkramer
Posts: 298
Joined: Mon Apr 30, 2007 11:03 am
Location: Michigan
Contact:

2010 Update

Postby sdkramer » Tue Jan 05, 2010 2:21 pm

Well it's been almost 6 months, but I'm finally getting to update things. We're still working through things with Dad's estate, but hopefully that will be over in the coming months. I'm considering buying a house so that may be a big change, we'll see. I also got a raise today

Assets:
Roth: $10,675.77
401k: $19,774.49
ING Check: $3,861.12
ING Save: $8,480.53
Credit Union Check: $0
Credit Union Save: $5
Sharebuilder: $24,734.24

Liabilities:
-$4,092.97 AmEx (dumped BofA because they are evil)
-$8,891.58 Student Loan

Net Worth: $54,551.6 + car

sdkramer
Posts: 298
Joined: Mon Apr 30, 2007 11:03 am
Location: Michigan
Contact:

Re: sdkramer's Extreme Financial Makeover

Postby sdkramer » Wed Oct 17, 2012 8:47 pm

Well it's been quite a while, but updating again. Things have been difficult, but I'm trying to get back on the financial horse. Lets hope it's not a few years before I update again.

Assets:
Roth IRA: $34,113.91
Roth 401k: $19,946.74
ING Check: $1,936.13
Credit Union Check: $0
Credit Union Save: $5

Liabilities:
-$1,147.78 FIA
-$8,099.27 AmEx
-$6,280.22 Student Loan

Net Worth: $40,474.51 + car

sdkramer
Posts: 298
Joined: Mon Apr 30, 2007 11:03 am
Location: Michigan
Contact:

Re: sdkramer's Extreme Financial Makeover

Postby sdkramer » Sun Jul 28, 2013 11:48 am

Well exactly that happened. It's been a couple of years.

Roth IRA: $40,055
Roth 401k: $29,262
ING Checking: $6,991
Credit Union: $5
Prosper Account:$833

Fidelity Credit Card: -$8,240
BofA Credit Card: -$12,407
Student Loan: -$5302

Net Worth: $51,197 + Car

Well I'm not exactly excited that I've lost $3,400 over the last 2 years. But hopefully now that I'll be watching things more carefully, things will improve. I'm moving into my own place as my partner and I separate. I think the old adage that "two can live as cheaply as one" is completely untrue (at least I hope it is), because I intend to save money on my own. I guess only time will tell. My goal is to report back here at the end of August with new numbers. My goal is $500+ in the net worth, however, first last and one month security deposit might sink that goal. Nonetheless, it's my goal.

[Update]
I just realized I didn't see the actual last post I saw the next to last post. Apparently I'm up from my last post. Good to start on a good note.


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