Hi readers and welcome to October 2013!
I hope that your September went well and that you’re transitioning into fall nicely. Maybe you’re planning a leafer trip or two.
Let’s start today’s post with the state of my debt:
Some important points in there:
- In yellow, I sent $2,400 to my student loans, and $500 to my credit card debt, bringing my total debt to $131,500. This seems ridiculously huge (and is), but it’s a whole lot less huge than the $164,000 that I started with
- In purple, my $10,500 in credit card debt; this number becomes important later in this post and tomorrow
- In green and orange, the cause for the name of this post. I’m just oh so close to touching an increase in net worth of $50,000 for the year and bringing my net worth up to negative five figures. It’s almost painful how close that is. Next month!
- One last important point: There was a wild swing in both my pre- and post-tax retirement numbers this month because I had been counting my Thrift Savings Plan as post-tax retirement. Obviously, that’s very wrong.
Here’s a chart of how my debt and net worth have progressed over the year:
Pretty neat chart, I’d say. Maybe that belongs in my sidebar. We’ll see.
September goal results
Now let’s look at some goals.
- Pay $2,400 toward student loans. Pass! I immediately paid $1,200 both times that I received a bi-weekly paycheck. Making bigger payments feels easier when I make them routine
- Lower my cellular data use by 99% from 2 gb to 20 mb. Fail. But I actually got it down to 34 mb, which is close and almost all of that can be traced to two events — visiting a new place by bicycle for which I had printed paper maps, but wanted to be extra safe and a carpool trip to Pennsylvania, during which I, in the passenger seat, couldn’t excuse myself from helping to navigate. In the end, I was only able to shave $8 from my monthly cell phone bill by removing this much data from my plan, so it’s clear that the problem isn’t having data on my plan, but being on this big-name plan to start with. It will definitely be worth looking into prepaid when this contract is over. That said, it felt pretty nice to be a little more present around people. Going forward, I’ll definitely leave cellular data and WiFi off on my phone until I need to use it for something productive.
- Come up with a plan for my soon-to-reset credit card balance transfer. Pass! The plan is to pay as much of it off in December! More on this tomorrow
- Eat 40 servings of fruits or vegetables. Pass. This was pretty easy. I stopped counting when I got to 60, but that was days ago. I think I’m pretty solid on that part of my diet
- Run 80 miles. Fail. I ran 59 miles. I got sick mid-month and couldn’t do much in the way of fitness for over a week. There was a time when a younger me might have pushed myself during the sickness, but I’m satisfied in knowing a good way to stay sick.
- Define goals for the Financial Conference 2013. Pass. I discussed my thoughts on how to make the most out of a conference. I’ve done a lot of the pre-networking necessary to make sure I have people to talk to and will go into further detail tomorrow.
- Start a series. Pass, I guess. Rather inauspiciously, I did my first post about dating while in debt yesterday — an important topic but one that is very far outside of my comfort zone. That said, it was not a great post. Hopefully this gets better.
And that is that. How did everyone else do on their goals for September?