Goodbye 2021, hello 2022! As I look back on the past year and contemplated the theme of 2021, I realized that The Year of Waiting was the most fitting. I started 2021 with excitement as I do every year, anticipating the year that would come with every ounce of optimism. Unfortunately most of the waiting ended up in disappointment, but that’s just life sometimes. A Diminishing Excitement At the start of 2021, I was most excited to get the newly…
This will be a fairly short update on my budget, saving, and loan payment for December as my year end review will be coming shortly. December was uneventful for the most part. I worked overtime almost every day this whole month which is lame because I’m salaried, meaning I’m not getting any overtime pay. I hope (more like, I better!) get a good bonus/raise in 2022 for my extra work. Student Debt Student debt paid this month: $880.77 Student debt…
On Christmas Eve of 2020, I went for a run along a 5 mile trail with my friend. Now, mind you, I’ve never ran 5 miles before. But there were to be no Christmas parties for the both of us due to Covid and with such limited indoor activities, we decided to go on this trail to run. I can’t remember much about what happened during this run. I do know for a fact that I couldn’t even run the…
November was a very draining month. I just didn’t have the energy to do anything else once this month ended hence the late post. Work has been crazy busy with end-of-year deadlines approaching so mentally I’ve been drained every time I get off work. I also went out of town almost every weekend in November which definitely further drained my energy (not to mention my gas budget) driving 5-6 hours each week back and forth. Plus, I felt like I…
October was a blast and I’m not surprised at all! Historically speaking, October has been my milestone month for the past 2 years. I climbed out of negative net worth in October 2019 to officially have $0 net worth. I followed it up by hitting $100k net worth in October 2020. So I had quite a bit of an expectation for this October. While October of this year did not bring any financial milestones, it was full of fun. I especially got…
A little late on this net worth and home update but I still wanted to do it. Happy to say I’ve made a recovery since the last quarter. The current screenshot I took was supposed to be this quarter’s (Jul-Sept) net worth growth. However, when I compared that to my June 2021 net worth update, I realized that I ended June 30th with $137,927 and started July 1st with $147,963. June 2021 Net Worth: $137,927 Sep 2021 Net Worth: $168,258…
Wow what a month September was. I can’t say I’m looking forward to reviewing my spending for September which is why I’m late in posting this update. I went on two vacations merely 3 weeks apart which made the month go by so fast. Although it felt a bit rushed, it was far from a bad month. I will however predict that it’s likely to be a spendy month when I assess my spending in my budget section. I just…
I’m out of control. I need to stop. Lifestyle inflation has come for me. I knew this month’s update was not going to look good but reviewing my budget really hit me in the face just how much I’ve overspent in August. Earlier this month, I decided to join my friend on a last minute road trip which was a huge money drain. But I must say it was well worth it as this is a friend who is going…
This month has been a huge money drain. I’ve been killing myself trying to play catch up with my 401k and Roth IRA contribution. As I’m doing so, regrets crept in. Why didn’t I start contributing earlier in the year? Oh, that’s right. Because I was too busy keeping my money trapped inside a savings account waiting to buy a house. In the midst of going crazy trying to contribute thousands per month into my retirement so I can be…
I can’t believe we’re already halfway through 2021! Unlike last month when I thought May flew by like a blur, June felt long. I felt like I did a lot this month which surprised me that with the exception of some miscellaneous spending, I’ve pretty much stayed on budget for most of my regular expenses. That breakdown along with a disappointing net worth update will be coming up later in the post. Home Update Last month, I broke the news…