Roth IRA Basis:
Contribution Basis: 3,381
Company Match: 3,381
Total: 6,762 (+244)
Truck (Value 5,000):
“Liquid” Assets (cash, stock and retirement):
Paid on loan: 278.16 (166 Principal / 112 Interest)
Balance: 22,622 (-163)
Monthly Income: 1,778
Monthly Assets Change: -1,586
Monthly Liabilities Change: -199
Monthly Net Worth Change: -882
Mortgage Principal Paid: 263
Monthly Savings Rate (IRA/401k+Match/Cash/StudenLoan/MortgPrincipal): 355 (20%) x .55 = 11% (All expenses are shared jointly, me @ 55%, Fiance @ 45%)
Credit Karma scores: 746 TU / 739 Equifax
FICO score: 752
Definitely a tough looking month here! But with some good news as well. I was promoted at work, and that was the next step in The Plan! As a result, my pay switched to bi-weekly, so I essentially missed $570 of savings. My savings rate would be more like 22%. Going forward, I may have some wonky looking months since I my pay will be bi-weekly, but it should balance out the following month!
I did some naughty spending this month, including an anniversary gift of around $200 and a trip north with the fiance costing around $600 as well in fun, food and shopping. However, with the new promotion and getting my new routines back in place, I should be coming out on top. There is some debt I am not tracking due to a joint effort by fiance and I to pay off (8 new tires, exciting!), so the cash savings may be lower than normal, but a few months from now everything should be settled and on the way to glory!
I sold the car, but a large chunk went to the ridiculous spending from this month. Another bit of it disappeared due to paying the Joint account but not getting paid last week, resulting in a ~$425 deficit. So – this month there was some lack of discipline but also lack of income stability, so it was a rough one all around. Next month should be looking better!