January 2013 Totals

135 - Credit cards
0 - Car
0 - Student loans

135 - Total Debt

3655 - Stocks/Emergency Fund
68575 - 401K
3807 - Roth IRA

76037 - Total Savings

Net worth - 75902


Lots has changed since I last updated! I got married in July. Everything went swimmingly. We mostly paid as we went, but did receive some gifts that enabled us to pay any remaining bills and take a two-week honeymoon with no outstanding debt. Luckily, we are both very goal-driven and have the same ends in mind! Of course, the numbers above are slightly inaccurate now, as our finances are merged. But the above are those items that pertain just to me. I paid off my car, and now we're working on paying off my husband's car and the mortgage on the house he had owned, while working on a down payment for a new house. You can see we have a ways to go. But the year is young - and my expenses are down! This is all attainable this year, if we live leanly. I can't decide if I would like to take a grand trip or just focus on being thrifty. I recently upped the percentage of my pay going directly into my 401K, just slightly, to achieve the maximum company match (10% of my salary). I also made the change to reinvest the dividends that I get from my stock holdings, instead of getting the small bits of cash. This way I will get the benefits of compounding! Could this be the year I achieve a 6-figure net worth? Depends on a lot of things, not least of which is the market! And if I am counting things like the house and cars. By some measures, I am already there. And, of course, it is a bit of an arbitrary figure when the real goal is to just keep applying my resources to the goals in front of me! But I know it will feel great when that day comes!