tag:blogger.com,1999:blog-83587897207627696302024-02-20T20:56:18.447-08:00Who fund the world?Who fund the world?http://www.blogger.com/profile/09260287717908175394noreply@blogger.comBlogger10125tag:blogger.com,1999:blog-8358789720762769630.post-9236882852343824952020-03-18T08:00:00.000-07:002020-03-18T08:00:01.705-07:00Savings Account | Increased Monthly Interest by $137<br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Back in June 2019, I spent about 15 minutes and increases the
interest I was earning from having money sit in my savings account by 6 times. You can do
it too! Simply look for at high yield saving accounts, choose the bank
you want to go with, open an account and move your money.</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">I grew up using a local bank for the past 20 years. At the
time I closed my accounts with that bank, their savings account’s interest rate
was 0.35%. I had about $80,000 in my account for my emergency fund and a down
payment on my future house. At that rate, I was earning $23 each month in
interest. I decided switch from a local bank to Citi who offered an interest
rate of 2.36% for their savings account. My interest payment immediately
increased to $160 for June. That was an extra $137 in my pocket! It makes me upset thinking about the money I could have earned if I had only done this way sooner. </span><span style="font-family: "arial" , "helvetica" , sans-serif;">Interest rates have since declined since. My current
rate is 1.8% at Citi, but this is still more than what my previous bank
was offering. </span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">I used </span><a href="https://www.nerdwallet.com/rates/savings-account" style="font-family: Arial, Helvetica, sans-serif;" target="_blank">NerdWallet </a><span style="font-family: "arial" , "helvetica" , sans-serif;">and </span><a href="https://www.bankrate.com/banking/savings/rates/" style="font-family: Arial, Helvetica, sans-serif;" target="_blank">Bankrate </a><span style="font-family: "arial" , "helvetica" , sans-serif;">to compare different high yield
saving accounts. After I ruled it down to 2 banks, I read about how each
account works, what services the banks offered, and if there were any maintenance
fees associated with those accounts. </span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">I hope you'll spend a couple of minutes to see how much your interest rate is for your savings account and consider moving banks if doesn't offer a high interest rate and what you want. Also, see if you are paying maintenance fees on your accounts. There are many banks that offers savings and checking accounts that do not have a maintenance fee or offers the option to have them waived if you keep a
certain balance in your account.<o:p></o:p></span></div>
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<br />Who fund the world?http://www.blogger.com/profile/09260287717908175394noreply@blogger.com1tag:blogger.com,1999:blog-8358789720762769630.post-87843649577365499912020-02-19T07:00:00.000-08:002020-02-24T17:43:48.528-08:00Cost of Having a Dog | Year 1<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Are you wanting
to get a dog and wondering if you can afford one financially? I hope a look
into how much I have spent on my dog during his first year will give you an
idea of how much it may cost you and how you can save money.<o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Before I got
my puppy, I estimated that I would spend about $3,000 his first year. I set my
budget higher for the first year to account for one-time expenses. I blew my budget
and made mistakes along the way, but I learned from them. Here is a break-down
of how much I spent on my puppy.</span></div>
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<b><span style="font-family: "arial" , "helvetica" , sans-serif;">Breeder:
$900<o:p></o:p></span></b></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">I got my puppy from a breeder when he was 8 weeks old
for $900. The cost of getting a dog can vary depending on where you get your
dog from (breeder vs. animal shelter vs. family/friend) and its breed.<o:p></o:p></span></div>
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<b><span style="font-family: "arial" , "helvetica" , sans-serif;">Health: $1,215<o:p></o:p></span></b></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Since I got my dog when he was a puppy, I paid for 4
rounds of puppy vaccinations up until he was 16 weeks old. This totaled to $387.
If you get an older puppy or dog, your vet expenses will ideally be less. <o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">$343 was spent on monthly heartworm, flea, and tick
medicine. I live in the South, so this is a necessity. Unfortunately, I spent much
more than needed here. My dog’s weight was changing as he was growing, so I
wasn’t able to buy in bulk. I also made the mistake of buying the medicine from
my vet where 1 tablet would cost $20 vs. $6 to $10 online. Chewy.com has had the
best prices for my dog’s monthly heartworm, flea and tick medicine and they
often have $15 off coupons! <o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">One of my largest expenses has been pet health insurance.
This may be something you don’t need or want. The pet health insurance
companies I looked into do not cover pre-existing conditions, so if you want
to sign up, I was told to get it as soon as possible. Goldendoodles can be mischievous at times and are prone to hip dysplasia and cancer as they get
older. Boy were people right. Mine loves stealing sock<span style="background-color: white;">s, underwear, and money
and chewing parts off of his toys. I currently have insurance through <span style="background-attachment: scroll; background-image: none; background-position: 0% 0%; background-repeat: repeat; background-size: auto; color: #3d85c6;"><a href="https://www.healthypawspetinsurance.com/" target="_blank"><i><b>Healthy Paws</b></i></a></span> and my plan
covers 80% of expenses once I meet a $250 deductible. Through the first year, I
have paid $431 in premiums. I learned to get a new quote every quarter and
request a lowe</span>r premium, so my dog’s 2<sup>nd</sup> year’s expenses should be $155
lower.<o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">The remaining $54 was spent on one-time miscellaneous items
for when I was training him to go to the bathroom outside.<o:p></o:p></span><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-Ng8NY6TE4YxQMDrP3eIZpiCbdgE51lFxuvs9p7pY7bxAZ8iLusqWWKjty4QtjEpAc0RpxxGvFj8xqvdSmO9OEvVN8gH2WbFge0BGGY1KC5e3eJ0hxCw7mpVgRgfwMPJocWvenUwPWKqP/s1600/CM4.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-Ng8NY6TE4YxQMDrP3eIZpiCbdgE51lFxuvs9p7pY7bxAZ8iLusqWWKjty4QtjEpAc0RpxxGvFj8xqvdSmO9OEvVN8gH2WbFge0BGGY1KC5e3eJ0hxCw7mpVgRgfwMPJocWvenUwPWKqP/s320/CM4.jpg" width="240" /></a><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
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<b><span style="font-family: "arial" , "helvetica" , sans-serif;">Food: $727<o:p></o:p></span></b></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">I spent $408 on puppy kibble. My dog is a medium size
dog and eats Fromm dog food, which is a bit m</span><span style="background-color: white; font-family: "arial" , "helvetica" , sans-serif;">ore expensive. I pray that it’ll
help him live longer, but who honestly knows. I get his food from <span style="background-attachment: scroll; background-image: none; background-position: 0% 0%; background-repeat: repeat; background-size: auto; color: #3d85c6;"><a href="http://ref.petflow.com/v/lilychiang12_1"><i><b>PetFlow</b></i></a></span>. They
currently do not collect sales tax, have cheaper prices than the pet stores in
my town, and email coupons out weekly. You’re dog food expense will differ
depending on the size of your dog and what brand of food you give your pet.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg703h85Rl3rLlEacF6Ey7l3Wr929HovXgekknnPlXcpidKp6d3feCseM2_FJmpeMB2RZW6GTYWlf1f3JAEwE92wmfy7yX7DVX8oHtKGnZUWfDo8OWMAmlvlvpNsMaJlQJunIZxoRadbVqg/s1600/CM3.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg703h85Rl3rLlEacF6Ey7l3Wr929HovXgekknnPlXcpidKp6d3feCseM2_FJmpeMB2RZW6GTYWlf1f3JAEwE92wmfy7yX7DVX8oHtKGnZUWfDo8OWMAmlvlvpNsMaJlQJunIZxoRadbVqg/s320/CM3.jpg" width="240" /></a><span style="background-color: white; font-family: "arial" , "helvetica" , sans-serif;">I spent $298 on treats and chews. I can’t even be mad
at this expense, because those puppy teeth are sharp. I bought bulk bags <span style="color: #3d85c6;"><span style="background-attachment: scroll; background-clip: border-box; background-image: none; background-origin: padding-box; background-position: 0% 0%; background-repeat: repeat; background-size: auto;"><a href="http://i.refs.cc/uBztcR4R" target="_blank"><i><b>Best Bully Sticks (here is the link to receive a $10 off coupon)</b></i></a></span> </span>and <span style="background-attachment: scroll; background-image: none; background-position: 0% 0%; background-repeat: repeat; background-size: auto; color: #3d85c6;"><i><b><a href="https://amzn.to/2SZ2kKG">Himalayan Yak Chews</a></b></i></span>. They have
lasted into his second year of life! They
helped keep my puppy occupied as I got things done around the house.</span></div>
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<b><span style="font-family: "arial" , "helvetica" , sans-serif;">Grooming: $260<o:p></o:p></span></b></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">This $260 spent at the groomers is money well spent!
The groomer I take my dog to cares for him so much and he loves them. Doodles’ hair/fur (I should
know which one it is, but it’s all fur to me) can get matted and tangled easily
if they aren’t brushed frequently. And their hairs grow so fast. I started
taking my puppy to the groomers when he was 5 months old and he now goes every
other month. I have the groomers cut my dog’s hair really short so that I can
extend the time between his haircuts. His haircut is around $65 and I tip the
dog groomers, because Lord know they deserve tips for cleaning my dog’s butt.<o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">If you get a short-haired dog, like a Labrador Retriever, you’re grooming expenses will be minimal!<o:p></o:p></span><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLZWFhhM6IshTZ6z9-3ZojJOKYhgm5vKX39LeQKiBaAkv-Y4fuFBL-oquJVZv0eXF9ASNtPllQa328F4I343LzqewTrFMz7H0wAvk-e89ty8EORotsH47n8DhB8zoNGPPYBfBqd37uom30/s1600/CM1.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLZWFhhM6IshTZ6z9-3ZojJOKYhgm5vKX39LeQKiBaAkv-Y4fuFBL-oquJVZv0eXF9ASNtPllQa328F4I343LzqewTrFMz7H0wAvk-e89ty8EORotsH47n8DhB8zoNGPPYBfBqd37uom30/s320/CM1.jpg" width="240" /></a><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
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<b><span style="font-family: "arial" , "helvetica" , sans-serif;">Fun: $438<o:p></o:p></span></b></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Those cute <i><b><span style="color: #3d85c6;"><a href="https://amzn.to/35DikoE">BarkShop</a></span></b></i> dog toys got me. I spent $173 on toys.
I have learned to shop for dog toys only when BarkShop has a sale where each one is
only $3 and to buy durable toys over cutesy toys. If you have a dog who is a pro
at destroying toys, I highly recommend <span style="color: #3d85c6;"><b><i><a href="https://amzn.to/36BU9YI">ChuckIt!</a></i></b></span> and <span style="color: #3d85c6;"><i><b><a href="https://amzn.to/36C68pi">Outward Hound</a></b></i></span> toys. Those are the only ones
that I have yet to throw away or sew back together. <o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">The absolute best item I spent money on in my dog’s
first year was obedience training classes for $165. I found a local dog trainer
that offered 2 private training lessons and 6 group classes. She did an amazing
job of teaching me and my dog, not only basic commands, but also helped me with
other behavioral issues like scratching the bottom of my couch and bed. <o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">$99 was spent on one-time miscellaneous items like
crates, leashes, collars, etc. If you planning to get a dog, I would check out
the upcoming holiday sales to money on basic dog items. <o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">$3,450 gone and I’m happier than I ever was! He’s worth it, but I expect to decrease my spending on him during his
second year by at least half. I would love to hear about how much you spend on
your pet! Do you have pet health insurance or do you think it’s worth it? What
tips do you have to save money when it comes to pets? Leave your comments
below! In August, I'll post about how year 2 of having dog looked like financially.</span><o:p></o:p></div>
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Who fund the world?http://www.blogger.com/profile/09260287717908175394noreply@blogger.com0tag:blogger.com,1999:blog-8358789720762769630.post-2504047799030135602020-01-22T07:00:00.000-08:002020-01-22T07:00:00.731-08:002020 New Year Resolutions and Goals<div style="margin-bottom: .0001pt; margin-bottom: 0in;">
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<span style="font-family: "arial" , "helvetica" , sans-serif;">2020 is here and I am so excited to see how I will progress in the new year and decade. Below are my financial, career, and Who Fund the World related goals. Each of my goals are measurable and clear, so I know if I accomplished it or not at the end of the year. Excluding the last three of my financial goals, the rest are achievable solely by my action. The last three financial goals require the market to perform well.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Financial Goals</span></b><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- $19,5000 contribution to 401(k)</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- $3,550 contribution to health savings account (HSA)</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- $6,000 contribution to Roth IRA</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- $7,000 contribution to parent's Roth IRA</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- $5,000 dividend income </span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- $325,000 net worth</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- $175,000 saved for retirement, which includes my 401(k), Roth IRA, pension, and HSA accounts</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- 6.5% average annual return on my stock investments – At the end of 2019, I had a</span><span style="background-color: white; font-family: "arial" , "helvetica" , sans-serif;"> <span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial;">5.7% </span></span><span style="background-color: white; font-family: "arial" , "helvetica" , sans-serif;">average annual return (32% total return on my stock investments divided by 5.6 years I have been investing in the market). </span><br />
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Self-Investment and Career Goals</span></b><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- Pass BEC CPA exam</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- Pass REG CPA exam</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- Pass FAR CPA exam</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- Pass AUD CPA exam</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- Complete Learn, Plan, Profit course for day trading</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Personal Goals</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- Stop biting my nails</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- Walk outside 3 times a week</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- Decrease body fat percentage by 2%</span><br />
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></b>
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Who Fund the World Goals</span></b><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">- Create Google version of my Excel templates on Etsy</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">- Post 2-3 times each month on the blog</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif;">What are your financial, career and personal goals for 2020?</span></div>
<b></b><i></i><u></u><sub></sub><sup></sup><strike></strike><span style="font-family: "arial" , "helvetica" , sans-serif;"></span><b></b><i></i><u></u><sub></sub><sup></sup><strike></strike><span style="font-family: "arial" , "helvetica" , sans-serif;"></span>Who fund the world?http://www.blogger.com/profile/09260287717908175394noreply@blogger.com0tag:blogger.com,1999:blog-8358789720762769630.post-61621926715337612452020-01-15T07:00:00.000-08:002020-01-16T12:08:01.146-08:002019 Income and Expense Review<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAmZzJm18ywvxSDjU0ec5iBKgZIzeXbE_XqryqiPY2wV2SlNm4g8IZFa2YEUKzsa5yjMPGiKBbfEYNqIYZFDWJBfN2Q8O0q8OFHrpAmAKJM7dLmaKsN3TrsMCIYujflG3gjhPapHQJ9Wgp/s1600/2019.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="448" data-original-width="1437" height="198" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgAmZzJm18ywvxSDjU0ec5iBKgZIzeXbE_XqryqiPY2wV2SlNm4g8IZFa2YEUKzsa5yjMPGiKBbfEYNqIYZFDWJBfN2Q8O0q8OFHrpAmAKJM7dLmaKsN3TrsMCIYujflG3gjhPapHQJ9Wgp/s640/2019.PNG" width="640" /></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">The picture above shows what I made in and what I spent my money on in 2019. Feel free to click on it to make it bigger. I'll breakdown how I define each category and why my spending is pretty sporadic throughout the months.</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Gross Pay</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">My gross pay is the amount of income I make my accounting job before taxes and other deductions. From my job, I made $72,350 in 2019. This is a $6,828 increase from 2018.</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Take Home Pay</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">My take home pay is the amount of money that gets deposited into my checking account after taxes and other deductions. This amount includes my paycheck from my job, mileage reimbursements for using my car to travel for work, the interest I earn from checking and savings accounts, money I receive as gifts, and money earned from cash back or mystery shopping. I don't factor in dividend income as I don't allow myself to spend that cash. I have a strict rule for myself that dividend income must be reinvested to earn more dividends - the power of compounding interest. I took home $47,431 this year, a $5,478 increase from last year.</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>401(k) + HSA</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">This column includes the amount I contribute to my 401(k) and HSA, as well as the amount my employer contributes to my 401(k). The total contributions for both accounts were $23,953, which was a $590 increase from 2018.</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Housing</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">I currently live with my parents. That is why you'll typically see $0 spent for each month on housing, unless I purchase something for myself. We have a great relationship and they are kind enough to not charge me rent. I do the majority of the cleaning of the house and yard to help out or run errands for them. My parents typically travel to other states or countries for more than half the year and so do I for my job. A lot of the time, I have their house to myself. With our busy schedules and current situation it works out well for us as I can house sit for them while I look to purchase my first home.</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Food</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">My food category includes groceries, vending machines, and dining out. My food expense of $1,577 is really low for the average person. This is a perk of my job. My employer pays for my breakfast and dinners when I travel or work longer hours, which is typically the case from August through April. Most times, I will have leftovers from dinners and eat it the following day for lunch. When my meals aren't paid for, I shop at Walmart and Sam's Club for groceries. I typically don't eat out, unless my employer pays for it or I'm with friends. When I do, it's most likely at Chick-fil-a. Another perk of my job is that I earn a lot of rewards from restaurants, which I use to get free or discounted meals. This increased by $856 from last year mostly because I didn't travel this summer for work. </span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Car</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">My car expenses include anything related to transportation (gas, oil changes, tires, parking, etc.). I spent $1,673 this year, a $244 decrease from last year. I didn't buy any new tires this year, which is the reason for the decrease. You'll see my car expenses were higher in January and February as those are the two months I usually travel for work using my car. Most of the other months, I'll fly.</span><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOVPK7bndmeQS9Mh_MMOEDsj8naZqRDOZ8rm3ohmyr1vcmlJKilB45kNPaXa_WBDxVo0z29lZ_jWPHk-rj4PQ3AC6MTYmbJA63zIcP-l4GLA3w3mnsanHYInqzc8Vw1H7SVE-0JEl8bwKZ/s1600/Barbour.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="398" data-original-width="380" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOVPK7bndmeQS9Mh_MMOEDsj8naZqRDOZ8rm3ohmyr1vcmlJKilB45kNPaXa_WBDxVo0z29lZ_jWPHk-rj4PQ3AC6MTYmbJA63zIcP-l4GLA3w3mnsanHYInqzc8Vw1H7SVE-0JEl8bwKZ/s200/Barbour.PNG" width="190" /></a><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Shopping</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">My shopping category is for money that I spent on material items for myself, such as clothes, accessories, and skincare. I spent $950 this year, which was a $720 decrease from last year. I only added a handful of clothing pieces to my wardrobe as I'm becoming more selective and already have enough clothes. My largest purchase was a <i><b><span style="color: #3d85c6;"><a href="https://amzn.to/35uMbzu">Barbour coat</a></span></b></i> for $220.</span><br />
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<b style="font-family: arial, helvetica, sans-serif;">Entertainment</b><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">My entertainment expenses include anything I spend on myself or others that are not physical items, such as Spotify, movies, concerts, etc. or electronic items I spent a total of $545 this year, an increase of $202 from last year. My largest purchase was a new <i><b><span style="color: #3d85c6;"><a href="https://amzn.to/2tCVDnb">iPad</a> </span></b></i>for $233. I had been using my iPad from 2012 with a shattered screen and this deal was a great opportunity to treat myself.</span><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvVLkdxFe1fg8BOMuhV9B_ipzgTbFTeDcSlHpLaDX1Ny7KQHs3cNDiyifDL63FxtKnvtcmfrLEAmRo7c1JWEunz-Rt0XSKiTJaYRcI9qQTKUPH75iquBQ4SBg_iy8G8v-eprjy4WIsZ_kz/s1600/Colt.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="1600" data-original-width="1116" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhvVLkdxFe1fg8BOMuhV9B_ipzgTbFTeDcSlHpLaDX1Ny7KQHs3cNDiyifDL63FxtKnvtcmfrLEAmRo7c1JWEunz-Rt0XSKiTJaYRcI9qQTKUPH75iquBQ4SBg_iy8G8v-eprjy4WIsZ_kz/s320/Colt.jpg" width="222" /></a><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Dog</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">This category is for anything related to my dog. In 2019, I spent $2,404, a $42 increase from last year. The majority of this is related to food, flea & tick/heart worm medicine, pet health insurance and grooming. I need to do a better job going forward on brushing my dog's fur. Hopefully this can extend the time between groomings.</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Giving</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">My giving category includes cash spent on gifts for loved ones, as well as monetary donations to organizations throughout the year. I spent $904 of cash this year, a $303 decrease from 2018. I actually spent more than $904, because I had received quite a bit of gift cards from work and various jobs. I don't factor that in as an expense, because I don't count the gift cards as income to me.</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">This is lower than what some may expect for me to give, but at this stage in my life, I am giving more of my time to charitable organizations than money. </span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>CPA</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">I spent $2,941 this year, a $2,588 increase from last year. This year, I purchased a CPA exam review course to use as my study tool and paid for a couple CPA exams to take in early 2020. This should decrease significantly in 2020.</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Miscellaneous</b></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">My miscellaneous expenses include any item that doesn't fit into the categories listed above. The majority of the $2,792 was related to a medical bill from a hospital stay towards the end of 2018. Other things that fell into this category included service fees, renewal fees for my passport and driver's license, and federal and state income taxes due each April. </span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">What was your largest category for expenses this year and what are you hoping to reduce next year? My plan is to reduce my CPA and dog expenses in 2020. My hope is to increase my housing expenses, since this will be I have purchased my first house.</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Cheers to a new year and a new decade of wealth building!</span>Who fund the world?http://www.blogger.com/profile/09260287717908175394noreply@blogger.com1tag:blogger.com,1999:blog-8358789720762769630.post-77941641278214994482020-01-08T07:00:00.000-08:002020-01-08T18:09:14.409-08:00Net Worth Update | December 2019 | $265,691<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEzFWBsyy04UUJvsK6A-ugB4oXkOjxQLYm5LVYF3RqYGrg4BDSgm-1k8S1D01YmFjczpRXC_hy60s8L7dHvv1AVMqPbe3LxcnhH2vBkI7RF1V3syQ-vEWfKPttDvlGyAiOaBT5M_v_Imfb/s1600/Net+Worth+Update+%25281%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="500" data-original-width="500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEzFWBsyy04UUJvsK6A-ugB4oXkOjxQLYm5LVYF3RqYGrg4BDSgm-1k8S1D01YmFjczpRXC_hy60s8L7dHvv1AVMqPbe3LxcnhH2vBkI7RF1V3syQ-vEWfKPttDvlGyAiOaBT5M_v_Imfb/s200/Net+Worth+Update+%25281%2529.png" width="200" /></a></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="background-color: white;">I hope you all had a wonderful holiday season and were able to enjoy the company of your loved ones. December was a great
month financially and just overall! I got to enjoy lots of time with my parents
and sibling. I ended 2019 with over $265,000 and hope to continue my growth
into 2</span><span style="background-color: white;">020. In my post next week, I’ll be sharing everything I spent money on in
2019. </span></span><span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"> </span></div>
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<span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Before I jump into my
net worth, I share one way I saved money, one way I invested for my future and
one purchase I regret. I hope this will give you ideas on how you can save
money and invest in your future.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOmW16YDfKCxEui_flv1X8szx0A2vHbpBlyZEMD2N2MVpUsqYZpd9qUOLU_b7isj1mUz94bbpnhYIsWMlvRjnr9HQ6lNOpa3mN68uHVmR_qL8Dzg2ph-z00EsCZFiemqOVNY_VKqdNMhEY/s1600/DYSON.PNG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="710" data-original-width="295" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiOmW16YDfKCxEui_flv1X8szx0A2vHbpBlyZEMD2N2MVpUsqYZpd9qUOLU_b7isj1mUz94bbpnhYIsWMlvRjnr9HQ6lNOpa3mN68uHVmR_qL8Dzg2ph-z00EsCZFiemqOVNY_VKqdNMhEY/s200/DYSON.PNG" width="81" /></a></div>
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<b><span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Saving Money<o:p></o:p></span></b></div>
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<span style="background-color: white; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222;">I spent $207 on a
</span><span style="color: #3d85c6;"><a href="https://www.amazon.com/gp/product/B00B04ZNSE/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=B00B04ZNSE&linkCode=as2&tag=whofundthewor-20&linkId=2e717a45e0ce47408850a6210f382597"><i><b>Dyson Hot + Cool fan</b></i></a></span><span style="color: #222222;">. I had been planning this purchase all year but was
waiting for the best sale. My ideal indoor temperature is 75 degrees, which can
get expensive in the winter time. With this fan, I won’t have to heat up or
cool down the entire house and it’ll hopefully lower the utilities bill. Also,
it’s safe to use around as it isn’t hot to the touch like my old safe heater
was.<o:p></o:p></span></span></div>
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<b><span style="background-color: white; font-family: "arial" , sans-serif; font-size: 12pt;">Investing in my Future <o:p></o:p></span></b></div>
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<span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I ended the year by
adding more shares of Boeing (BA) to my stock portfolio. This will increase my dividend
income by about $82 each year. I also spent $514 on two CPA exams that I plan
to take in January and February. <o:p></o:p></span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">Regretful Spending<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">I didn’t have any
expenses that I regretted this month. I did overspend on gifts and charitable
giving, but I don’t regret it. I know the money I gifted, meals I paid for, and
gifts I gave brightened someone’s day and were great ways to spread joy. Most
important of all, I had money saved, so I wasn’t financially strained by doing
so.<o:p></o:p></span><br />
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;"><br /></span>
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;"><span style="color: #222222; display: inline; float: none; font-family: "arial" , "helvetica" , sans-serif;">I use a combination of Excel and </span><span style="color: #0b0119; font-family: "arial" , "helvetica" , sans-serif; font-variant-east-asian: normal; font-variant-numeric: normal;"><a href="https://share.personalcapital.com/x/rgcfGq" style="color: #0066cc; font-variant-east-asian: normal; font-variant-numeric: normal;"><span style="color: #3d85c6;"><i><b>Personal Capital</b></i></span></a> to track my net worth and financial accounts</span><span style="color: #222222; display: inline; float: none; font-family: "arial" , "helvetica" , sans-serif;">.</span></span><br />
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p> </o:p></span><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"> </span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;"><o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWaZeoUcWExBbVZd69Osyzvateyq-hmhGNbugZtn3yHXUdJ5Rg5lh3BNe4Mds4Fuod2rSh7kTZQ_gGsW0RRxYE82I75ky5kjlZXn6iTeSkWRnl4Y05WwEX87Xbivash-O3C2vL5QAFOOvL/s1600/DEC+NW.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="223" data-original-width="423" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWaZeoUcWExBbVZd69Osyzvateyq-hmhGNbugZtn3yHXUdJ5Rg5lh3BNe4Mds4Fuod2rSh7kTZQ_gGsW0RRxYE82I75ky5kjlZXn6iTeSkWRnl4Y05WwEX87Xbivash-O3C2vL5QAFOOvL/s1600/DEC+NW.PNG" /></a></div>
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"> </span><b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;"><o:p> </o:p></span></b><br />
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<b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">Cash: $92,179 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12.0pt;">(+3,762)</span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 12.0pt;">My cash amount increased this month, because I kept
most of my income from my accounting job and increased my savings.<o:p></o:p></span></div>
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<br /></div>
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<span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 12.0pt;">I have a large portion of my net worth in cash
for when I purchase my first home. A significant portion of this amount will go
towards a 20% down payment and furnishing my house. Don’t worry; it is held in
a high yield savings account. <o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">Brokerage: $52,292 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: red; font-family: "arial" , sans-serif; font-size: 12.0pt;">(-38)</span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">I contributed $850 to
my brokerage accounts this month. I sold my Chewy (CHWY) shares at $28.37 and purchased
shares of FedEx (FDX) at $152.51.<o:p></o:p></span></div>
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<br /></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">In my brokerage
accounts, I invest in a mix of individual dividend paying companies and growth
stocks. <o:p></o:p></span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">401(k): $55,827 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12.0pt;">(+2,326)</span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">The majority of the
increase was related to market gains. I only contributed $213 this month, which
allowed me to max out my 401(k) ($19,000) for 2019.<o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">I contribute 30% of
each paycheck to my 401(k), until I max out the contributions, and my employer matches
a small portion of my contributions based on my salary. The contributions </span><span style="color: #222222; font-family: "arial" , "helvetica" , sans-serif;">are automatically
invested in the following index funds:</span><br />
<span style="color: #222222; font-family: "arial" , "helvetica" , sans-serif; text-indent: -0.25in;">- 16% Blue Chip Growth
Index Fund</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="text-indent: -24px;"><span style="color: #222222; font-family: "arial" , sans-serif;">- </span></span><span style="text-indent: -24px;">16% Large Growth Index
Fund</span></span></div>
<div style="text-indent: 0px;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">- 17% Mid-Cap Growth Index
Fund</span></div>
<div style="text-indent: 0px;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">- 50% S&P 500 Index
Fund</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , sans-serif; font-size: 12.0pt;">Roth IRA: $59,026 <span style="color: red;">(-1,026)</span></span></b></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12.0pt;">December’s market loss were mainly
due to Boeing’s (BA) suspending productions on their 737 MAX aircraft. Since their
stock price dropped, I added a couple more shares at $325.<o:p></o:p></span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12.0pt;">In my Roth IRA accounts, I invest in
a mix of individual dividend paying companies and ETFs. You can see my stock
portfolio holdings to see what companies and ETFs these are.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , sans-serif; font-size: 12.0pt;">Pension: $3,147 <span style="color: #00b050;">(+10)<o:p></o:p></span></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">My employer
contributes $10 every month to my pension.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">HSA: $3,220 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12.0pt;">(+972)</span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">I have a high
deductible health insurance plan that allows me to have a health savings
account (HSA). I contributed $875 from my paycheck towards my HSA this month. In
order to contribute the maximum allowed for the 2019 tax year ($3,500 for
single or $7,000 for married), I have $438 remaining to deposit in January 2020
to go towards my 2019 contributions. Remember, you have until April 15, 2020 to
contribute to your HSA to reduce your 2019 taxable income. <o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">My employer does not
contribute to my HSA, only I do. My brokerage firm charges a quarterly fee of $18
to maintain my HSA. I try to not pay any fees, but this one is unavoidable and
my current income tax deferral ($770) outweighs the annual fees ($72). <span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">100% of the
contributions are automatically invested in a S&P 500 Index Fund. Unless a
medical emergency occurs and my personal savings are depleted, I will not
withdraw from this account and will let my contributions grow. I will be saving
my receipts for qualified expenses and request reimbursement when I retire. <span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "arial" , sans-serif; font-size: 12.0pt;">How was your December?<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">I would love to hear
how your month went with all the impact Christmas can have on your finances! If
you have a financial blog, please let me know below, so I can follow you along
your financial journey.</span><span style="font-family: "arial" , sans-serif; font-size: 12.0pt;"><o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12.0pt;">I welcome feedback and
suggestions!</span></div>
Who fund the world?http://www.blogger.com/profile/09260287717908175394noreply@blogger.com0tag:blogger.com,1999:blog-8358789720762769630.post-87595748647163163912019-12-18T08:44:00.001-08:002020-01-07T07:13:52.533-08:00Net Worth Update | November 2019 | $259,684<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEHczmgJO8aZsovWGq92TIdmP2liA_kXZBvnhLe63lvYh4lLhiGSqdILxgqGRXKQZSYs1A4RoiSK4SJugEwPAacgdsWmwMBnhf1vnn08ftO1KXgcxLJsGFYVKfY48IEUUJIn3u6zVxqW46/s1600/Net+Worth+Update.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="500" data-original-width="500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEHczmgJO8aZsovWGq92TIdmP2liA_kXZBvnhLe63lvYh4lLhiGSqdILxgqGRXKQZSYs1A4RoiSK4SJugEwPAacgdsWmwMBnhf1vnn08ftO1KXgcxLJsGFYVKfY48IEUUJIn3u6zVxqW46/s200/Net+Worth+Update.png" width="200" /></a></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #444444; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I apologize for the late post, but November was an exciting month! My net worth increased by $12,340, which is the most it has gone up in a single month. I also hit <b style="mso-bidi-font-weight: normal;">$250,000</b>! WOOOHOOOO! This is a great reminder that investing makes a huge impact. Out of the $12,340 increase, only $5,250 was from my accounting job.</span></span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #444444; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><br />
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #444444; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #444444; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #444444; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Before I jump into my net worth, I share one way I saved money, one way I invested for my future and one purchase I regret. I hope this will give you ideas on how you can save money and invest in your future.</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #444444; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><br />
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #444444; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #444444; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Saving Money<span style="color: black; font-family: "times new roman";"></span></span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I spent $25 at Pet Supplies Plus on their Dirty Dog Discount card, which allows for 5 self-wash dog washes. It usually costs $10 per dog wash, but if you purchase the card, you’ll save $25 overall.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBEu63pkx-NBmU0obHY4Ru9jegqehwWrt93T80j8gqeD8_bRdz54iyi8-Nnh3aKmvEY08PgAyLjuPAfNuVDUpvuofkI6Sdpw8aeUM8dDg-rjH7vRKc_WXiCWv2rHIe-Z__41gsD6UTQkyA/s1600/C.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBEu63pkx-NBmU0obHY4Ru9jegqehwWrt93T80j8gqeD8_bRdz54iyi8-Nnh3aKmvEY08PgAyLjuPAfNuVDUpvuofkI6Sdpw8aeUM8dDg-rjH7vRKc_WXiCWv2rHIe-Z__41gsD6UTQkyA/s400/C.jpg" width="300" /></a></div>
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</span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="mso-spacerun: yes;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="mso-spacerun: yes;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="mso-spacerun: yes;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black;">Investing in my Future <span style="color: black; font-family: "times new roman";"></span></span></span></b></span></span></span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">November was a quiet month financially. I didn’t spend anything outside of necessities but expect something to be in this section in December!</span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Regretful Spending<span style="color: black; font-family: "times new roman";"></span></span></b></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">My passport needed to be renewed this month and I had misplaced my passport. I notified the government that it was lost, which mean my application fee for a renewal of $110 turned into a new application fee of $145. The day I went to apply for a new passport, I found my old passport. Ughhhhh the $35 wasted is still on my mind. </span><br />
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<span style="color: #222222; font-size: 12pt;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="background-color: white; color: #222222; display: inline; float: none; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;">I use a combination of Excel and </span><span style="color: #0b0119; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;"><a href="https://share.personalcapital.com/x/rgcfGq" style="color: #0066cc; font-size: 16px; font-variant: normal; letter-spacing: normal; text-align: left; text-decoration: underline; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;"><span style="color: #3d85c6;"><i><b>Personal Capital</b></i></span></a> to track my net worth and financial accounts</span><span style="background-color: white; color: #222222; display: inline; float: none; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;">.</span></span><b></b><i></i><u></u><sub></sub><sup></sup><strike></strike></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><br /></span></b></span></span></span>
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Cash: $88,417 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: red; font-family: "arial" , sans-serif; font-size: 12pt;">(-1,395)<span style="color: black; font-family: "times new roman";"></span></span></b></span></span></span></div>
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<span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 12pt;">My cash amount decreased this month because I transferred money into my brokerage accounts.</span></div>
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<span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 12pt;">I have a large portion of my net worth in cash for when I purchase my first home. A significant portion of this amount will go towards a 20% down payment and furnishing my house. Don’t worry; it is held in a high yield savings account.</span></span></span></span></div>
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<span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Brokerage: $52,330 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+6,517)<span style="color: black; font-family: "times new roman";"></span></span></b></span></span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I contributed $3,500 to my brokerage accounts this month. I purchased shares of McDonald’s (MCD) at $193 per share. Most of my market gains are from Disney’s (DIS) stock performance due to Disney+.</span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">In my brokerage accounts, I invest in a mix of individual dividend paying companies and growth stocks.</span></span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">401(k): $53,501 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+4,326)<span style="color: black; font-family: "times new roman";"></span></span></b></span></span></span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Over 50% of the increase was related to market gains and the remaining increase is from my contributions. I have $213 left till I contribute the maximum allowed for 2019!</span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I contribute 30% of each paycheck to my 401(k) and my employer matches a portion of what I contribute. The contributions are automatically invested in the following index funds:</span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- <span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">25% Blue Chip Growth Index Fund</span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- <span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">25% Large Growth Index Fund</span></span></span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- <span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">50% S&P 500 Index Fund</span></span></span></span></span></span></span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><br />
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black;">Roth IRA: $60,052</span> <span style="color: #00b050;">(+1,985)<span style="color: black; font-family: "times new roman";"></span></span></span></b></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black;">November’s market gains were mainly due to Boeing’s (BA) stock increasing slightly.</span></span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black;"><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black;"><span style="color: black; font-family: "times new roman";"><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black;">In my Roth IRA accounts, I invest in a mix of individual dividend paying companies and ETFs. You can see my stock portfolio holdings to see what companies and ETFs these are.</span></span></span></span></span></span></span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black;"><span style="color: black; font-family: "times new roman";"><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black;"><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black;"><span style="color: black; font-family: "times new roman";"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black;">Pension: $3,137</span> <span style="color: #00b050;">(+10)<span style="color: black; font-family: "times new roman";"></span></span></span></b></span></span></span></span></span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">My employer contributes $10 every month to my pension.</span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">HSA: $2,248 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+897)<span style="color: black; font-family: "times new roman";"></span></span></b></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I have a high deductible health insurance plan that allows me to have a health savings account (HSA). I plan to contribute the maximum amount allowed for 2019, which is $3,500 of pre-tax income for an individual. I contribute $438 per paycheck. My employer does not contribute to my HSA, only I do. My brokerage firm charges a quarterly fee of $18 to maintain my HSA. I try to not pay any fees, but this one is unavoidable and my current income tax deferral ($770) outweighs the annual fees ($72).</span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="mso-spacerun: yes;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="mso-spacerun: yes;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">100% of the contributions are automatically invested in a S&P 500 Index Fund. Unless a medical emergency occurs and my personal savings are depleted, I will not withdraw from this account and will let my contributions grow. I will be saving my receipts for qualified expenses and request reimbursement when I retire. <span style="mso-spacerun: yes;"> </span></span></span></span></span></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="mso-spacerun: yes;"><span style="color: black; font-family: "times new roman";"><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "arial" , sans-serif; font-size: 12pt;">How was your November?</span></b></span></span></span></div>
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<span style="color: black; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I would love to hear how your month went! If you have a financial blog, please let me know below, so I can follow you along your financial journey.</span></span></span></div>
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<span style="color: black; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: black; font-family: "times new roman";"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I welcome feedback and suggestions!</span></span></span></span></span></div>
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Who fund the world?http://www.blogger.com/profile/09260287717908175394noreply@blogger.com2tag:blogger.com,1999:blog-8358789720762769630.post-29662808015048767742019-11-06T09:01:00.000-08:002019-12-18T11:42:14.768-08:00Net Worth Update | October 2019 | $247,345<div class="separator" style="clear: both; text-align: center;">
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<span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">October was an uneventful
month for me regarding my finances. I was hoping for my investment portfolio to
perform better, but it’s been up and down from earnings season. I am so close
to reaching </span><u style="background-color: white; color: #222222; font-family: Arial, sans-serif; font-size: 12pt;">a quarter of a million dollars</u><span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"> and I have an amazing feeling
I will achieve this goal in November.</span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Before I jump into my
net worth, I thought it would be fun to share one way I saved money, one way I
invested for my future and one purchase I regret. I hope this will give you
ideas on how you can save money and invest in your future. <o:p></o:p></span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Saving Money<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I used the app <a href="https://link.dosh.cash/LILYC7" target="_blank"><span style="color: #3d85c6;"><b><i>Dosh</i></b></span> </a></span><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">help
me save $10 this month. <a href="https://link.dosh.cash/LILYC7" target="_blank"><span style="color: #3d85c6;"><i><b>Dosh</b></i></span> </a>will occasionally offer 5% or more cash back for
purchases at Sam’s Club. I purchased a $200 gift card and received $10 cash
back. I can use this gift card at Sam’s Club or Walmart in the next couple of
months on groceries, household items, and Christmas presents. <o:p></o:p></span></div>
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<b><span style="font-family: "arial" , sans-serif; font-size: 12pt;">Investing in my Future <o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I started to swing
trade with my money in October. I found <a href="https://www.youtube.com/channel/UCtlAFoYl2aWb6pMiHCctQHA" target="_blank"><span style="color: #3d85c6;"><i><b>Ricky Gutierrez’s YouTube</b></i></span></a> </span><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">channel
at the beginning of this year and have been learning about how to analyze
patterns in the stock market. I was practicing with paper trading and have
finally built up enough confidence to use to my money. <o:p></o:p></span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Regretful Spending<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I realized I am
spending more than needed on gas. I usually fill up my tank 3 times a month, but
this dumb. My commute to work round-trip is only 16 miles and I live in a small
town where I don’t need to drive long distances. I need to do a better job of running
my errands as I am going to work or coming home. That way I don’t have to make
multiple trips out. I believe I can get it down to only filling up twice a
month to save at least $30 on gas and decrease the wear and tear on my car. At
least my dog has enjoyed all the extra car rides.<o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhulmE91laCUy5OjawTXNbTDJMgWnCFhb5lMJwXcw4dU92MgRD1hjx8ihIq0cfCsmFzeIv72Tv7SLq8BJ0EmzaxKfVc6qTbGfFwXbTMlU2b5NNuVblcb8E92iWbX5_LAmDtIpQJ9difr3D8/s1600/COLT.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1200" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhulmE91laCUy5OjawTXNbTDJMgWnCFhb5lMJwXcw4dU92MgRD1hjx8ihIq0cfCsmFzeIv72Tv7SLq8BJ0EmzaxKfVc6qTbGfFwXbTMlU2b5NNuVblcb8E92iWbX5_LAmDtIpQJ9difr3D8/s400/COLT.jpg" width="300" /></a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="background-color: white; color: #222222; display: inline; float: none; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;">I use a combination of Excel and </span><span style="color: #0b0119; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;"><a href="https://share.personalcapital.com/x/rgcfGq" style="color: #0066cc; font-size: 16px; font-variant: normal; letter-spacing: normal; text-align: left; text-decoration: underline; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;"><span style="color: #3d85c6;"><i><b>Personal Capital</b></i></span></a> to track my net worth and financial accounts</span><span style="background-color: white; color: #222222; display: inline; float: none; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;">.</span></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgejmj_DXck7FT3JgGhTm_mVN7NwbDfw9yVek2pSVcTGFViftOuN2i0mvgtUol-pW2g4ZhJbCHC920y-SuxpGw3aUcAateeooy7IB6aj226Cjzdt3pDYr8xgJHEb9Z6s5hZlgBhQU0JR3C_/s1600/OCT.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="220" data-original-width="419" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgejmj_DXck7FT3JgGhTm_mVN7NwbDfw9yVek2pSVcTGFViftOuN2i0mvgtUol-pW2g4ZhJbCHC920y-SuxpGw3aUcAateeooy7IB6aj226Cjzdt3pDYr8xgJHEb9Z6s5hZlgBhQU0JR3C_/s1600/OCT.PNG" /></a></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Cash: $89,812 </span></b><b><span style="color: red; font-family: "arial" , sans-serif; font-size: 12pt;">(-122)</span></b><b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12pt;">My cash amount decreased slightly this month because
I transferred money into my brokerage accounts. <o:p></o:p></span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12pt;">I have a large portion of my net worth in cash
for when I purchase my first home (hopefully before the year ends). A
significant portion of this amount will go towards a 20% down payment and
furnishing my house. Don’t worry; it is in a high yield savings account. <o:p></o:p></span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Brokerage: $45,813 </span></b><b><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+1,831)</span></b><b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I contributed $1,500
to my brokerage accounts to start swing trading with. Towards the end of October,
I purchased one share of Amazon (AMZN) for $1,690, which resulted in at least $100
of unrealized gains. I plan to sell my share of Amazon in November if the stock
price rises to around $1,835.<o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">In my brokerage
accounts, I invest in a mix of individual dividend paying companies and growth
stocks. <o:p></o:p></span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">401(k): $49,175 </span></b><b><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+3,611)</span></b><b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">About 50% of the
increase was related to market gains and the remaining increase is from my
contributions. I expect to reach the $19,000 maximum contributions for 2019 by
mid-December! WOOT WOOT!<o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I contribute 30% of
each paycheck to my 401(k) and my employer matches a portion of what I
contribute. The contributions are automatically invested in the following index
funds:</span><br />
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- <span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">25% Blue Chip Growth
Index Fund</span></span><br />
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- 2<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">5% Large Growth Index
Fund</span></span></span><br />
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- <span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">50% S&P 500 Index
Fund<o:p></o:p></span></span></span></span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Roth IRA: $58,067 </span></b><b><span style="color: red; font-family: "arial" , sans-serif; font-size: 12pt;">(-2,181)</span></b><b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">In October, I
purchased shares of Exxon Mobil (XOM) at $67. The decrease is primarily related
to the decline of Ford (F) and AB Inbev’s (BUD) share price. <o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">In my Roth IRA
accounts, I invest in a mix of individual dividend paying companies and ETFs.<o:p></o:p></span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Pension: $3,126 </span></b><b><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+10)<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">My employer
contributes $10 every month to my pension.<o:p></o:p></span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">HSA: $1,352 </span></b><b><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+914)</span></b><b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I have a high
deductible health insurance plan, which allows me to have a health savings
account (HSA) through my employer. I plan to contribute the maximum amount
allowed for 2019, which is $3,500 of pre-tax income for an individual. I
contribute $438 per paycheck. My employer does not contribute to my HSA, only I
do. My brokerage firm charges a quarterly fee of $18 to maintain my HSA. I try
to not pay any fees, but this one is unavoidable. <o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">100% of the
contributions are automatically invested in a S&P 500 Index Fund. Unless a
medical emergency occurs and my personal savings are depleted, I will not
withdraw from this account and will let my contributions grow. I will be saving
my receipts for qualified expenses and request reimbursement when I retire. <o:p></o:p></span></div>
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<b><span style="font-family: "arial" , sans-serif; font-size: 12pt;">How was your October?<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I would love to hear
how your month went and what goals you have set for the rest of the year! If
you have a financial blog, please let me know below. I would love to follow you
along your financial journey.</span><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I welcome feedback and
suggestions!</span></div>
Who fund the world?http://www.blogger.com/profile/09260287717908175394noreply@blogger.com0tag:blogger.com,1999:blog-8358789720762769630.post-25686412626517226902019-10-02T08:18:00.000-07:002020-01-07T12:55:13.209-08:00Net Worth Update | September 2019 | $243,281<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKPboOwwwspFKtr8c1MWAsu1OLvZ4hQ0stecyEvDgYJ_3TTnPj66sbtQiHtqK3KRNktfgFgKdnZs6mnIzBZimqaXVZBAm1sCaoQ_BjNOm3I2Eqg-KeJysH61wxBVy4i1v1T7P7RKRtqeE7/s1600/Copy+of+Who+fund+the+world_+Icon+Logo+%25281%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="500" data-original-width="500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKPboOwwwspFKtr8c1MWAsu1OLvZ4hQ0stecyEvDgYJ_3TTnPj66sbtQiHtqK3KRNktfgFgKdnZs6mnIzBZimqaXVZBAm1sCaoQ_BjNOm3I2Eqg-KeJysH61wxBVy4i1v1T7P7RKRtqeE7/s200/Copy+of+Who+fund+the+world_+Icon+Logo+%25281%2529.png" width="200" /></a></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222;">September was an exciting month for my finances! I received my annual bonus and a raise from my employer. Check out </span></span><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><a href="https://whofundtheworld.blogspot.com/p/career-salary-progression.html" target="_blank"><span style="color: #3d85c6;"><i><b>Career & Salary</b></i></span></a></span><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222;"> to see my new salary. I turned 26 last month. I was previously on my parent’s health insurance plan and was required to purchase my own starting September. I received </span></span><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><a href="https://whofundtheworld.blogspot.com/p/dividend-income.html" target="_blank"><span style="color: #3d85c6;"><b><i>$1,184 in dividends</i></b></span></a></span><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">, which were reinvested back into the stock market.</span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I didn’t save as much as I had hoped, but I’m not upset about it. Quite a bit of giving opportunities presented themselves and I was happy to help monetarily. Although I don’t follow Dave Ramsey’s principles, I do believe in giving generously. <o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Next month, I have set a stretch goal for myself of reaching a net worth of $250,000. This will be achievable if the market does well, combined with my increased salary and receiving my mystery shopping payments. I received a couple questions about mystery shopping, which I plan to do a blog post about this. It’s a great way to make additional income, but the payments from mystery shopping are typically paid a month to two months later.<o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Before I jump into my net worth, I thought it would be fun to share one way I saved money, one way I invested for my future and one purchase I regret from September. I hope this will give you ideas on how you can save money and invest in your future. <o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Saving Money<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">In late August, I started transitioning my dog’s food from puppy food to adult food. His puppy food was chicken-based and I decided to change it salmon. I figured it would be better for his joints and overall health. Welp, it didn’t work out. He barely ate the salmon-based adult food and his booty was a bit smelly. I contacted </span><span style="color: #3d85c6; font-family: "arial" , sans-serif; font-size: 12pt;"><a href="http://ref.petflow.com/v/lilychiang12_1" target="_blank"><i><b>Pet Flow</b></i></a></span><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">, where I purchase most of my dog’s food and supplies, and they kindly credited my account $68, the cost of the salmon-based dog food. I used the credit to purchase his chicken-based adult food and still have $15 credit to use on my next purchase. My wallet is happier since chicken-based food costs less than salmon-based food and my dog is loving every bite of his food</span><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">. <o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , sans-serif; font-size: 12pt;">Investing in my Future <o:p></o:p></span></b></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222;">This month I spent $177 at </span><a href="http://i.refs.cc/uBztcR4R" target="_blank"><span style="color: #3d85c6;"><i><b>Best Bully Sticks</b></i></span></a><span style="color: #222222;"><i><b> </b></i>on</span></span><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"> a pack of 50 bully sticks. This will help keep my dog entertained while I study for my CPA exams these next couple of months. If you have any tips or tricks on how to keep your puppy preoccupied as you study or work, please let me know! <o:p></o:p></span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Regretful Spending</span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I was charged an $18 bank maintenance fee by letting one of my checking account’s balance fall below $5,000. I hated myself for this and couldn’t get it out of my head for a week. I asked the local bank if they could waive the maintenance fee and was surprised when they said no. I no longer use that bank and now only have one checking account. For those that have accounts at local banks, have they been willing to waive fees for you?</span><br />
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="background-color: white; color: #222222; display: inline; float: none; font-family: "arial" , sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;">I use a combination of Excel and </span><span style="color: #0b0119;"><a href="https://share.personalcapital.com/x/rgcfGq" style="font-size: 16px; font-variant: normal; letter-spacing: normal; text-align: left; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;"><span style="color: #3d85c6;"><i><b>Personal Capital</b></i></span></a> to track my net worth and financial accounts</span><span style="background-color: white; color: #222222; display: inline; float: none; font-family: "arial" , sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; text-align: left; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;">.</span><b></b><i></i><sub></sub><sup></sup><strike></strike><u></u></span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Cash: $89,934 </span></b><b><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+2,818)</span></b></div>
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<span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 12pt;">This was lower than August and will continue to be slightly lower the next three months as I contribute to my health savings account. <o:p></o:p></span></div>
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<span style="background: white; color: black; font-family: "arial" , sans-serif; font-size: 12pt;">I have a large portion of my net worth in cash for when I purchase my first home (hopefully before the year ends). A significant portion of this amount will go towards a 20% down payment and furnishing my house. Don’t worry; it is in a high yield savings account. <o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Brokerage: $43,982 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: red; font-family: "arial" , sans-serif; font-size: 12pt;">(-367)</span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Although I contributed $650 this month to purchase more stocks in October, this was offset by the decline in Disney’s stock.<o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">In my brokerage accounts, I invest in a mix of individual dividend paying companies and growth stocks. <o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Roth IRA: $60,247 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+1,710)</span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">This increase is primarily related to Boeing’s market performance and their dividend payout. <o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">In my Roth IRA accounts, I invest in a mix of individual dividend paying companies and ETFs.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">401(k): $45,564 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+1,683)</span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">My 401(k) contributions and employer match were larger than prior months as a result the bonus I received from my employer. I also received $852 in dividends. All of this was partially offset by the market decline of the two growth index funds. <o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I contribute 30% of each paycheck to my 401(k) and my employer matches a portion of what I contribute. The contributions are automatically invested in the following index funds:</span><br />
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- <span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">25% Blue Chip Growth Index Fund</span></span><br />
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- <!--[endif]--><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">25% Large Growth Index Fund</span></span></span><br />
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- 50% S&P 500 Index Fund<o:p></o:p></span></span></span></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Pension: $3,116 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+10)<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">My employer contributes $10 every month to my pension.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">HSA: $438 </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+438)</span></b><b style="mso-bidi-font-weight: normal;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I chose a high deductible health insurance plan, which allows me to have a health savings account (HSA) through my employer. I plan to contribute the maximum amount allowed for 2019, which is $3,500 of pre-tax income for an individual. In September, I contributed $438 directly from my paycheck, leaving $3,062 to be deducted from my paychecks these next three months. My employer does not contribute to my HSA, only I do. My brokerage firm charges a quarterly fee of $18 to maintain my HSA. I try to not pay any fees, but this one is unavoidable. <span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">100% of the contributions are automatically invested in a S&P 500 Index Fund. Unless a medical emergency occurs and my personal savings are depleted, I will not withdraw from this account and will let my contributions grow. I will be saving my receipts for qualified expenses and request reimbursement when I retire. <span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "arial" , sans-serif; font-size: 12pt;">How was your September?<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I would love to hear how your month went and what goals you have set for October! If you have a financial blog, please let me know below. I would love to read about your September.</span><span style="font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I welcome feedback and suggestions!</span></div>
Who fund the world?http://www.blogger.com/profile/09260287717908175394noreply@blogger.com0tag:blogger.com,1999:blog-8358789720762769630.post-40512745951471467552019-09-04T07:04:00.000-07:002020-01-07T13:40:11.969-08:00Net Worth Update | August 2019 | $236,255<div class="MsoNormal" style="line-height: normal; margin-bottom: 0in;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJfJKZ5lMOP2tklQX_EcDyV5mqUIZEgDIKtts1xNDjnOdYZkwSe2AHKTx6FAmGsdoCZt6jBSrsYdFJOxVjymY_vNXyv8PKGN5gH4GEQL1rhzCpeiE1htsPGfj4yUdOGztF1ErZgLl_P1N6/s1600/Copy+of+Who+fund+the+world_+Icon+Logo+%25282%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="500" data-original-width="500" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJfJKZ5lMOP2tklQX_EcDyV5mqUIZEgDIKtts1xNDjnOdYZkwSe2AHKTx6FAmGsdoCZt6jBSrsYdFJOxVjymY_vNXyv8PKGN5gH4GEQL1rhzCpeiE1htsPGfj4yUdOGztF1ErZgLl_P1N6/s200/Copy+of+Who+fund+the+world_+Icon+Logo+%25282%2529.png" width="200" /></a></div>
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<span style="color: #222222; font-family: "arial" , sans-serif;"><span style="background-color: white;">My first net worth post! EEEK!</span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Before I jump into my
net worth, I thought it would be fun to share one purchase that helped me save money,
one purchase I made to invest in my future, and one purchase I regret. I hope
this will give you ideas to help you save money and invest in your future. <o:p></o:p></span><br />
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Money Saving Purchase<o:p></o:p></span></b></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12pt;"><span style="background-color: white; color: #222222;">I have a dog who I consider my baby. I received a coupon from </span><span style="color: #3d85c6;"><span style="color: #3d85c6;"><a href="https://prf.hn/click/camref:1100l8NQM"><i><b style="background-color: #3d85c6;">Chewy.com</b></i></a></span><span style="background-color: white; color: #222222;"> </span></span><span style="background-color: white; color: #222222;">for $15 off a prescription
purchase. I went ahead an bought a 3-month supply of his flea and tick medicine
even though we still had medicine for 2 more months.<o:p></o:p></span></span><br />
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<b><span style="font-family: "arial" , sans-serif; font-size: 12pt;">Investing in my Future Purchase<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">This month I spent $42
on a new bottle of facial sunscreen. You’re probably asking how is this saving her
money when in reality my bank account decreased by $42! Ultimately, I’m
investing in my health. I live in the South and run outdoors at least 5 days a
week. I <u>RARELY</u> wore sunscreen growing up and now I have this gut feeling that I am going to get skin cancer. I know I can go the drugstore and buy a $5 sunscreen that does the same thing, but
I end up using it once and letting it expire. Stupid me I know. It has
something to do with the price tag and the scent that makes it seem like less of a hassle
to apply the sunscreen. </span><br />
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Regretful Purchase<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12pt;">I purchased a new
bathtub spout for $21 at Lowe’s. My spout was leaking and I assumed it needed to be replaced. I wish I was more like Bob the Builder, but I'm not. My dad ended up fixing it for me, which allowed me
to return the spout to Lowe’s. The following morning was rushed. I was trying
to get laundry done before heading to work. Short version – I </span>accidentally<span style="font-size: 12pt;"> put
the packaging with the spout in the washing machine with my laundry and it
ruined the packaging. My clothes were fine though! Praise the Lord! So now I
have an extra spout and no packaging…anyone need a tub spout?<o:p></o:p></span></span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 16px;">When the end of the month comes, I get so giddy to pull out my Excel spreadsheet and look at <a href="https://share.personalcapital.com/x/rgcfGq"><span style="color: #3d85c6;"><b><i>Personal Capital dashboard</i></b></span></a>. This is my first time sharing my net worth with the internet…I’m a bit nervous. I want to be as transparent as possible. I had set a goal of reaching $237,000, but am $744 short. I hope to make it up next month by cutting back on spending and accepting more mystery shopping jobs.</span><br />
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Cash: $87,116</span></b><b><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;"> (+4,280)</span></b><b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12pt;">About $3,000 of the increase was from my job. The
rest were from mystery shopping and a refund from overpaying on last month’s
credit card bills.<o:p></o:p></span><br />
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<span style="font-family: "arial" , sans-serif; font-size: 12pt;">I have a large portion of my net worth in cash
for when I purchase my first home (hopefully before 2020). A significant portion
of this amount will go towards a 20% down payment and furnishing my house. Don’t
worry; at least it is in a high yield savings account. </span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Brokerage: $43,615 </span></b><b><span style="color: red; font-family: "arial" , sans-serif; font-size: 12pt;">(-3,111)</span></b><b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I transferred $1,000
from my brokerage account to my Roth IRA account and my parents gifted me $600
for my 26<sup>th</sup> birthday. Thank you mom and dad!</span><br />
<br /></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">In my brokerage
accounts, I invest in individual companies. </span><br />
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Roth IRA: $58,538 </span></b><b><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+2,115)</span></b><b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I transferred $1,000
from my brokerage account to my Roth IRA account. I now have maxed it out for
2019, which is $6,000. YAY! I also purchased 30 shares of 3M (MMM) at $157.50
per share.<o:p></o:p></span><br />
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">In my Roth IRA
accounts, I invest in a mix of individual companies, index funds and ETFs.<o:p></o:p></span></div>
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<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">401(k): $43,881</span></b><b><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;"> (+1,688)</span></b><b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I contribute 30% of each
paycheck to my 401(k) and my employer matches a portion of what I contribute. The
contributions are automatically invested in the following index funds:</span><br />
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- <span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">25% Blue Chip Growth
Index Fund</span>
</span><br />
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- <span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">25% Large Growth Index
Fund</span></span></span><br />
<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;"><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">- <span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">50% S&P 500 Index
Fund<o:p></o:p></span>
</span></span></span><br />
<span style="color: #222222; font-family: "arial";"><br /></span>
<b><span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">Pension: $3,106 </span></b><b><span style="color: #00b050; font-family: "arial" , sans-serif; font-size: 12pt;">(+10)</span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I found out this summer
that my employer offers a pension and I have one. I need to research more about
this, as I thought only executives or government employees had pensions. Since
I am not able to contribute to it, only my employer, this isn’t my biggest
priority at the moment.</span><br />
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "arial" , sans-serif; font-size: 12pt;"><br /></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "arial" , sans-serif; font-size: 12pt;">How was your August?<o:p></o:p></span></b></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I would love to hear
how your month went! Let me know one purchase that helped you save money,
one purchase you made to invest in your future, and one purchase you regret. If
you have a financial blog, please let me know. I would love to read about your
August.</span></div>
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<span style="color: #222222; font-family: "arial" , sans-serif; font-size: 12pt;">I welcome feedback and
suggestions!</span></div>
</div>
Who fund the world?http://www.blogger.com/profile/09260287717908175394noreply@blogger.com0tag:blogger.com,1999:blog-8358789720762769630.post-20980439052890352192019-08-31T12:15:00.000-07:002020-01-07T07:05:24.808-08:00Welcome to Who fund the world?<div class="separator" style="clear: both; text-align: center;">
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<span style="font-family: "arial" , sans-serif; font-size: 12.0pt; letter-spacing: 0.15pt;">Hi y’all! I am a 26 year-old millennial with a passion for personal finance and helping others! A little blurb about me – I grew up in a middle-class family, nothing crazy, and live a pretty normal life. I graduated college with a bachelor’s degree in accounting and am working as a tax accountant in public accounting. In addition to personal finance, I’m crazy obsessed with my dog, avocado toast with eggs, sports, philanthropy, and shopping.</span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12.0pt; letter-spacing: 0.15pt;">I started the Who fund the world? blog in August of 2019 because of my desire to encourage millennials, especially females, to save and invest for their future. Women in general need to save more money than men! Statistically, women live longer, earn less, and work fewer years compared to men.</span><span style="font-family: "times new roman" , serif; font-size: 12.0pt;"><o:p></o:p></span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12.0pt; letter-spacing: 0.15pt;">I hope that you’ll join me on this adventure as we learn more about personal finance and achieve financial success together!</span><span style="font-family: "times new roman" , serif; font-size: 12.0pt;"><o:p></o:p></span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12.0pt;">I will cover many topics on my blog, but the main focus is to share:</span><span style="font-family: "times new roman" , serif; font-size: 12.0pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 12.0pt;">·<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "arial" , sans-serif; font-size: 12.0pt;">Net worth and stock portfolio updates, including what’s
going on in my life on a monthly basis</span><span style="font-family: "times new roman" , serif; font-size: 12.0pt;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: normal; margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 12.0pt;">·<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "arial" , sans-serif; font-size: 12.0pt;">The power of starting early and how it shortens the
time to financial independence</span><span style="font-family: "times new roman" , serif; font-size: 12.0pt;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: normal; margin: 0in 0in 0.0001pt 0.25in; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 12.0pt;">·<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "arial" , sans-serif; font-size: 12.0pt;">Real estate investing – I hope to purchase my first
house in the next couple of months</span><span style="font-family: "times new roman" , serif; font-size: 12.0pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 12.0pt;">·<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "arial" , sans-serif; font-size: 12.0pt;">Career growth and development<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "symbol"; font-size: 12.0pt;">·<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "arial" , sans-serif; font-size: 12.0pt;">Tips and tricks to earn, save, and grow your money – basic personal
financial education that we should have been taught when we were students.</span><span style="font-family: "times new roman" , serif; font-size: 12.0pt;"><o:p></o:p></span></div>
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<span style="font-family: "arial" , sans-serif; font-size: 12pt;">If you have any questions or suggestions of blog posts, please comment below or contact me.</span></div>
Who fund the world?http://www.blogger.com/profile/09260287717908175394noreply@blogger.com0