I was looking at my KIVA Account today, and it says i've lent out $375.00... which is true... but it didn't take me $375.00 to lend $375.00 to people all over the world.
At one point I had put $150.00 into KIVA using my Credit Card rebate checks... whenever i got that "free money" i plugged it into Kiva and loaned it to someone who needed it. Ya, i didn't get interest on the money... and it took some people a while to pay it all back... but there's something about the simple power of KIVA that's addicting... I'm helping people all over the world... and its fantastic.
I then took out $100.51 from the account when i was busy with finding my condo and moving and remodeling and stuff and since I started re-lending again, i've put back $75.51
So in reality, I only have $125.00 tied up in Kiva... but because I've been re-lending the funds out as they get paid back to me, that $125.00 turned into $375.00 of lending power.
For June, I have enough $$$ in repayments that I won't have to put any cash into the account to make a loan for June... so that same $125.00 will grow into $400.00. Sure i'll probably have to put $25 in for July... but its kind of mind boggling to see the trickle down effect.
Saturday, May 29, 2010
New budget
New Monthly Budget starting June 1st:
I believe we won’t be getting those expected work “cuts” for the time being. Most likely they will filter in next year as the hiring freeze and pay freezes remain in place. Either way, it’s time to reevaluate the budget and make a few modifications.
Paycheck #1 ($1,290.13)
• Mortgage: $828.38
• HOA: $250.00
• Offering: $130.00
• Extra Mortgage Principle: $81.75
Paycheck #2 ($1,290.13)
• Offering: $130.00
• Christmas Account $50.00
• Emergency Fund $128.13
• Gasoline $140.00
• Groceries and Food $150.00
• Going out/eating out $50.00
• All Insurance premiums (Car, House, Earthquake) $102.00
• Roth IRA $250.00
• Utility Bills (Cell, Electric, Internet) $150.00
• Piano Lessons (2 lessons) $40.00
• Other/Random Unbudgeted $100.00
I’m increasing my extra mortgage principle payments because I’ve been spending too much money on frivolous things as of late, and instead of saving my extra, I’ve been spending it. An extra $21.75 a month won’t be missed so I might as well get an automatic 5.25% interest on it.
I’m increasing my emergency fund savings, again because I’ve been spending a lot of money lately and I’d like to rein myself in. It also seemed like a good idea to up the amount since I decided I want to try and get $15,000.00 set aside.
I decreased the # of piano lessons I have with my friend because I’ve been busy and so has my friend and if I don’t have a lesson with him I spend the $$$ out with friends… so I should be accountable to that… hence the increase in the Other Random unbudgeted account. This is birthdays, holidays, random car repair, getting my nails or eyebrows done, any shopping, household stuff… it’s just lumped into one category to simplify things… especially since its summer and I’ll end up with a whole lot of little things going on this will probably get spent… if not, I’ll filter the money into my “Extra Money” savings account… to spend on big things like vacations and stuff for my house.
I believe we won’t be getting those expected work “cuts” for the time being. Most likely they will filter in next year as the hiring freeze and pay freezes remain in place. Either way, it’s time to reevaluate the budget and make a few modifications.
Paycheck #1 ($1,290.13)
• Mortgage: $828.38
• HOA: $250.00
• Offering: $130.00
• Extra Mortgage Principle: $81.75
Paycheck #2 ($1,290.13)
• Offering: $130.00
• Christmas Account $50.00
• Emergency Fund $128.13
• Gasoline $140.00
• Groceries and Food $150.00
• Going out/eating out $50.00
• All Insurance premiums (Car, House, Earthquake) $102.00
• Roth IRA $250.00
• Utility Bills (Cell, Electric, Internet) $150.00
• Piano Lessons (2 lessons) $40.00
• Other/Random Unbudgeted $100.00
I’m increasing my extra mortgage principle payments because I’ve been spending too much money on frivolous things as of late, and instead of saving my extra, I’ve been spending it. An extra $21.75 a month won’t be missed so I might as well get an automatic 5.25% interest on it.
I’m increasing my emergency fund savings, again because I’ve been spending a lot of money lately and I’d like to rein myself in. It also seemed like a good idea to up the amount since I decided I want to try and get $15,000.00 set aside.
I decreased the # of piano lessons I have with my friend because I’ve been busy and so has my friend and if I don’t have a lesson with him I spend the $$$ out with friends… so I should be accountable to that… hence the increase in the Other Random unbudgeted account. This is birthdays, holidays, random car repair, getting my nails or eyebrows done, any shopping, household stuff… it’s just lumped into one category to simplify things… especially since its summer and I’ll end up with a whole lot of little things going on this will probably get spent… if not, I’ll filter the money into my “Extra Money” savings account… to spend on big things like vacations and stuff for my house.
Vacation Costs
How much did my 2 week trip ultimately cost me?
• Hotels $175.64
• Additional gasoline: $187.19
• Maintenance on car before trip: $45.82
• Toll Roads to get there and back: $9.25
• Car Wash to get the bugs off my car: $25.10
• Food at Grocery Stores while in Utah $97.47
• Eating out at various restaurants $248.41
• $118.84 on things bought in Utah for me (including a camping air mattress)
• $61.93 gifts for others
• $63.47 on Activities and places to visit
• Doctors visit + 1 prescription $20.00
= $1,053.12
But, I didn’t pay for piano lessons because I was out of town ($80), nor did I spend all my local grocery money ($61.61), nor did I spend all of my regular gas money ($ 50)…
So there’s $191.61 I would have spent if I were at home. So about $861.51 for a two week trip…
Keep in mind the food and eating out were really high because I treated almost all of the dinners we went to get away from my friend’s family (where we could have eaten for free… but our sanity deemed it necessary to leave so the spending is based on 2 people for almost everything.) To put a long story short his parents are extremely Orthodox Mormon (my friend is not) and while they were very polite to me… they were constantly bagging on my friend and accusing him of doing things he wasn’t…. so it wasn’t an ideal situation. We had dinner a couple of times while we were there with them and I followed all of their house rules to the T (including a 10pm curfew—meaning I had to be in my guestroom by ten and my friend had to be in the basement by ten…) so it was nice to be able to go out to dinner to escape the house (and I got to try fabulous places!!! I finally had Japanese food!).
My friend paid for our campsite which was a burden on him since he’s unemployed… but he felt bad for me footing the bill for the rest of the trip and wanted to pay for the site. He also fixed my computer and did some really useful handy things with it which saved me tons of money because if he hadn’t worked his magic, I’d be looking for a new laptop right now.
Other than food and gas (we drove my car all around Utah because it had AC and cruise control and with all the driving we were planning on doing it made sense to take my more comfortable car.) His friends drove their car between all the national parks once we got to the camp site because that’s how they could chip in for the trip which saved me at least one fill up I think. I paid for 2 hotels for the four of us post camping in the city because his friends weren’t in the position to and I wanted a proper shower and a good night sleep before the long drive home, so I booked all of those before I left for Utah.
I ultimately spent more than I would have normally spent to visit a friend… but we weren’t “allowed” to go camping by ourselves (like I said orthodox Mormons) and his friends were already taking time off work (no paid vacation like me) so we would not of been able to go do half the things we planned without them. .. But around $900 isn’t too bad for a two week vacation when it’s been so long since I’ve gotten away and it was FANTASTIC.
Were trying to work out a way for my friend to come visit me in a few months before school starts up again… but we have to figure out how to get his friends here too because he can’t come alone…” his parents won’t let him cause he needs to be chaperoned….”
• Hotels $175.64
• Additional gasoline: $187.19
• Maintenance on car before trip: $45.82
• Toll Roads to get there and back: $9.25
• Car Wash to get the bugs off my car: $25.10
• Food at Grocery Stores while in Utah $97.47
• Eating out at various restaurants $248.41
• $118.84 on things bought in Utah for me (including a camping air mattress)
• $61.93 gifts for others
• $63.47 on Activities and places to visit
• Doctors visit + 1 prescription $20.00
= $1,053.12
But, I didn’t pay for piano lessons because I was out of town ($80), nor did I spend all my local grocery money ($61.61), nor did I spend all of my regular gas money ($ 50)…
So there’s $191.61 I would have spent if I were at home. So about $861.51 for a two week trip…
Keep in mind the food and eating out were really high because I treated almost all of the dinners we went to get away from my friend’s family (where we could have eaten for free… but our sanity deemed it necessary to leave so the spending is based on 2 people for almost everything.) To put a long story short his parents are extremely Orthodox Mormon (my friend is not) and while they were very polite to me… they were constantly bagging on my friend and accusing him of doing things he wasn’t…. so it wasn’t an ideal situation. We had dinner a couple of times while we were there with them and I followed all of their house rules to the T (including a 10pm curfew—meaning I had to be in my guestroom by ten and my friend had to be in the basement by ten…) so it was nice to be able to go out to dinner to escape the house (and I got to try fabulous places!!! I finally had Japanese food!).
My friend paid for our campsite which was a burden on him since he’s unemployed… but he felt bad for me footing the bill for the rest of the trip and wanted to pay for the site. He also fixed my computer and did some really useful handy things with it which saved me tons of money because if he hadn’t worked his magic, I’d be looking for a new laptop right now.
Other than food and gas (we drove my car all around Utah because it had AC and cruise control and with all the driving we were planning on doing it made sense to take my more comfortable car.) His friends drove their car between all the national parks once we got to the camp site because that’s how they could chip in for the trip which saved me at least one fill up I think. I paid for 2 hotels for the four of us post camping in the city because his friends weren’t in the position to and I wanted a proper shower and a good night sleep before the long drive home, so I booked all of those before I left for Utah.
I ultimately spent more than I would have normally spent to visit a friend… but we weren’t “allowed” to go camping by ourselves (like I said orthodox Mormons) and his friends were already taking time off work (no paid vacation like me) so we would not of been able to go do half the things we planned without them. .. But around $900 isn’t too bad for a two week vacation when it’s been so long since I’ve gotten away and it was FANTASTIC.
Were trying to work out a way for my friend to come visit me in a few months before school starts up again… but we have to figure out how to get his friends here too because he can’t come alone…” his parents won’t let him cause he needs to be chaperoned….”
May Spending
Condo Expenses:
• Mortgage Interest $510.03, Principle paid $140.61 + $60.00 additional Principle, Property Taxes $125.00; PMI 52.74, HOA $250.00
Giving /Donations
• LTG: $130.00 | Kiva Loan $25.00
Auto Mobil Expenses:
• Gas $277.19 | Car Insurance (6 month Premium) $345.40 | Autozone $45.82 | Toll Roads $9.25 | Car Wash $25.10
Utility Bills:
• Electricity $19.59 | Cell Phone $58.03 | Internet $21.99
Groceries/House Supplies:
• Ralphs $19.44 | Trader Joes $18.24 | Walmart $22.32 | Winco $75.15| Pavilions $40.71
Eating Out:
• $282.11 (mostly in Utah)
Gifts:
• 1 Birthday, Mother’s day, few things for family from Utah $106.94
Shopping:
• Stuff from Utah for me (magnet, clasp, rock, shot glass, bracelet, panda bag, frame, another magnet, and a Hat!) $69.24 | Air mattress to camp on $49.60
Vacations:
• Mine Entry, living planet aquarium, 2 national parks, ammunition for shooting $63.47
Other:
• Doctors Visit $15.00 | Prescriptions $20.00 | Stamps $8.80
Total Damage: $2,927.77
January $1981.94 | February $2718.57 | March $2,229.26 | April $2,484.38a | May $2,927.77
• Mortgage Interest $510.03, Principle paid $140.61 + $60.00 additional Principle, Property Taxes $125.00; PMI 52.74, HOA $250.00
Giving /Donations
• LTG: $130.00 | Kiva Loan $25.00
Auto Mobil Expenses:
• Gas $277.19 | Car Insurance (6 month Premium) $345.40 | Autozone $45.82 | Toll Roads $9.25 | Car Wash $25.10
Utility Bills:
• Electricity $19.59 | Cell Phone $58.03 | Internet $21.99
Groceries/House Supplies:
• Ralphs $19.44 | Trader Joes $18.24 | Walmart $22.32 | Winco $75.15| Pavilions $40.71
Eating Out:
• $282.11 (mostly in Utah)
Gifts:
• 1 Birthday, Mother’s day, few things for family from Utah $106.94
Shopping:
• Stuff from Utah for me (magnet, clasp, rock, shot glass, bracelet, panda bag, frame, another magnet, and a Hat!) $69.24 | Air mattress to camp on $49.60
Vacations:
• Mine Entry, living planet aquarium, 2 national parks, ammunition for shooting $63.47
Other:
• Doctors Visit $15.00 | Prescriptions $20.00 | Stamps $8.80
Total Damage: $2,927.77
January $1981.94 | February $2718.57 | March $2,229.26 | April $2,484.38a | May $2,927.77
2010 Annual Goals
Financial $$$ & Personal Goals End of May Re-cap
Pay off non-mortgage Debt
• Pay off Tile Loan -> $4,000.00-Trying to get my phone calls with them returned.
• Pay off Home Depot -> DONE!!!!
Lower Mortgage to under $115,000.00
• @ $116,424.59 (1,424.59 to go)
Principle Payments:
January $137.07 +$60.00 | February $137.96 + $60.00 |March $138.82 +$60.00 |April $139.72 +$60.00 | May $140.61 +$60.00 |
Get emergency fund to $8,400.00 (left to add $700.00)
Emergency fund now sits at $7,700.00
January $100 |February $100| March $100 |April $300.00 |May $100
Contribute $5,000.00 to Roth IRA ($3,750.00 left to add)
January $250.00 | February $250.00 |March $250.00 | April $250.00| May $250.00
Car Fund (Save $250.00) (left to add $48.12)
This month I didn’t add anything to the car fund since I went to Utah: Balance: $541.88
Increase Networth to $60,000.00
• @53,279 (change of -$706.00 -1.31%)
This Month:
• I put $250 to the Roth IRA
• My employer 401a contributions: $28.48
• My Pension got a push: $123.08
• Paid down the mortgage this month by $200.61
• Saved some money into the car fund this month: $0.00
Personal Goals:
GET IN SHAPE
Vacation killed me… were getting back on the ban wagon for June
Give More
• Kiva- January (Mongolia) | February (Sierra Leon) | March (Mali) | April (Tanzania) | May (Burundi)
• Childshare – I’m gathering volunteers for a June fundraiser the organization is doing.
• LTG- =) I’ll be volunteering and doing more behind the scenes work here after april.
Track my spending
I did… it was painful, lol.
Read One book a Month
I’m still reading book 3: Captivating by John and Staci EldredgeSO FAR I GIVE IT: 10 Stars/5 Stars
BOOK 8
Ameila Atwater-Rhodes “HawkSong”
Book 9
Ameila Atwater-Rhodes “Snakecharm”
Book 10
Ameila Atwater-Rhodes “Falcon Dance”
Her books
Pay off non-mortgage Debt
• Pay off Tile Loan -> $4,000.00-Trying to get my phone calls with them returned.
• Pay off Home Depot -> DONE!!!!
Lower Mortgage to under $115,000.00
• @ $116,424.59 (1,424.59 to go)
Principle Payments:
January $137.07 +$60.00 | February $137.96 + $60.00 |March $138.82 +$60.00 |April $139.72 +$60.00 | May $140.61 +$60.00 |
Get emergency fund to $8,400.00 (left to add $700.00)
Emergency fund now sits at $7,700.00
January $100 |February $100| March $100 |April $300.00 |May $100
Contribute $5,000.00 to Roth IRA ($3,750.00 left to add)
January $250.00 | February $250.00 |March $250.00 | April $250.00| May $250.00
Car Fund (Save $250.00) (left to add $48.12)
This month I didn’t add anything to the car fund since I went to Utah: Balance: $541.88
Increase Networth to $60,000.00
• @53,279 (change of -$706.00 -1.31%)
This Month:
• I put $250 to the Roth IRA
• My employer 401a contributions: $28.48
• My Pension got a push: $123.08
• Paid down the mortgage this month by $200.61
• Saved some money into the car fund this month: $0.00
Personal Goals:
GET IN SHAPE
Vacation killed me… were getting back on the ban wagon for June
Give More
• Kiva- January (Mongolia) | February (Sierra Leon) | March (Mali) | April (Tanzania) | May (Burundi)
• Childshare – I’m gathering volunteers for a June fundraiser the organization is doing.
• LTG- =) I’ll be volunteering and doing more behind the scenes work here after april.
Track my spending
I did… it was painful, lol.
Read One book a Month
I’m still reading book 3: Captivating by John and Staci EldredgeSO FAR I GIVE IT: 10 Stars/5 Stars
BOOK 8
Ameila Atwater-Rhodes “HawkSong”
Book 9
Ameila Atwater-Rhodes “Snakecharm”
Book 10
Ameila Atwater-Rhodes “Falcon Dance”
Her books
Retirement Perspectives
This Market is wayyyy crazy. I'll be no longer buying shares in my Moderate ING Mutual Fund. They are eliminating it and combining into a less agressive fund... and teh fees are higher there then with my Target date ARDVX. I'll also be putting the rest of my mutual fund $$ for the year into ARDVX, despite the crazy market, I like the fund so far.
When/If the Moderate ING account shows profit (meaning that fund gets into the green, i'll be selling off the profit ever $200.00 or so and converting it into ARDVX... so it will be a slow elimination from my portfolio)
End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,288.93
Additional Contributions since 2009: $2,081.38
Growth: $-321.78 (-2.03%)
My Goal is the leave the workforce on my 55th birthday, 11,301 Days from now...
401 Account: Approximately 3.07 % of my portfolio
• Contributions: $841.66 (Employer Paid 1% of Salary)
• Worth $869.11
o Up 3.26% from inception, +$27.45
o Milestone 2040 makes up 100%
457 Account: Approximately 3.65% of my portfolio
• Discontinued Employer funded plan (interest = pennies)… I get it when I quit… can’t invest it… can’t do anything with it.
o Positive $1,033.50
ING DIRECT Roth IRA: Approximately 9.18% of my portfolio
• $2,500.00 Invested| Worth $2,598.08
o Up 3.92% from inception. Positive $98.08
o CD’s ranging from 1.25% to 4.5%
ShareBuilder Roth IRA Approximately 44.04% of my portfolio
• $12,750 Invested | Worth $12,458.21
o DOWN 2.28% since inception… -291.79
o ING Strategic Allocation Moderate $11,778.92 | I have 1,448.822 Shares
o ARDVX 2040 $ 429.29 | 50.445 Shares
o Money Market Cash: $0.00
o Not deposited Contributions: $250.00
Pension: Approximately 40.05% of my portfolio
If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).
Total: $11,330.03
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less than a year’s worth of service credit, but I’ll be paying $33.06 for 28 more installments (made 24 payments out of 52).
My entire portfolio (if I cashed my pension out today) is worth $28,288.93
When/If the Moderate ING account shows profit (meaning that fund gets into the green, i'll be selling off the profit ever $200.00 or so and converting it into ARDVX... so it will be a slow elimination from my portfolio)
End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,288.93
Additional Contributions since 2009: $2,081.38
Growth: $-321.78 (-2.03%)
My Goal is the leave the workforce on my 55th birthday, 11,301 Days from now...
401 Account: Approximately 3.07 % of my portfolio
• Contributions: $841.66 (Employer Paid 1% of Salary)
• Worth $869.11
o Up 3.26% from inception, +$27.45
o Milestone 2040 makes up 100%
457 Account: Approximately 3.65% of my portfolio
• Discontinued Employer funded plan (interest = pennies)… I get it when I quit… can’t invest it… can’t do anything with it.
o Positive $1,033.50
ING DIRECT Roth IRA: Approximately 9.18% of my portfolio
• $2,500.00 Invested| Worth $2,598.08
o Up 3.92% from inception. Positive $98.08
o CD’s ranging from 1.25% to 4.5%
ShareBuilder Roth IRA Approximately 44.04% of my portfolio
• $12,750 Invested | Worth $12,458.21
o DOWN 2.28% since inception… -291.79
o ING Strategic Allocation Moderate $11,778.92 | I have 1,448.822 Shares
o ARDVX 2040 $ 429.29 | 50.445 Shares
o Money Market Cash: $0.00
o Not deposited Contributions: $250.00
Pension: Approximately 40.05% of my portfolio
If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).
Total: $11,330.03
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less than a year’s worth of service credit, but I’ll be paying $33.06 for 28 more installments (made 24 payments out of 52).
My entire portfolio (if I cashed my pension out today) is worth $28,288.93
Thursday, May 27, 2010
back from Vacation
Had a fabulous time... Wish I were still there...
and i have a slightly sprained ankle from slipping in the snow. (Yup. Snow in May!!)
Spent a whole lot of $$$$ too...
and i have a slightly sprained ankle from slipping in the snow. (Yup. Snow in May!!)
Spent a whole lot of $$$$ too...
Saturday, May 15, 2010
Saturday, May 8, 2010
Retirement Perspectives
i'm negative. All 2010 gains have been diminished in the market sell off...
End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,061.34
Additional Contributions since 2009: $1,755.60
Growth: $-223.59 (-1.409%)
My Goal is the leave the workforce on my 55th birthday, 11,322 Days from now...
401 Account: Approximately 3.08 % of my portfolio
• Contributions: $827.42 (Employer Paid 1% of Salary)
• Worth $864.46
o Up 4.47% from inception, +$37.04
o Milestone 2040 makes up 100%
457 Account: Approximately 3.68% of my portfolio
• Discontinued Employer funded plan (interest = pennies)… I get it when I quit… can’t invest it… can’t do anything with it.
o Positive $1,033.46
ING DIRECT Roth IRA: Approximately 9.25% of my portfolio
• $2,500.00 Invested| Worth $2,596.77
o Up 3.87% from inception. Positive $96.77
o CD’s ranging from 1.25% to 4.5%
ShareBuilder Roth IRA Approximately 43.83% of my portfolio
• $12,250 Invested | Worth $12,298.16
o DOWN 1.61% since inception… -201.84
o ING Strategic Allocation Moderate $11,865.85 | I have 1,448.822 Shares
o ARDVX 2040 $ 432.31 | 50.445 Shares
o Money Market Cash: $0.00
o Not deposited Contributions: $0.00
Pension: Approximately 40.16% of my portfolio
If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).
Total: $11,268.49
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less than a year’s worth of service credit, but I’ll be paying $33.06 for 29 more installments.
My entire portfolio (if I cashed my pension out today) is worth $28,061.34
End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,061.34
Additional Contributions since 2009: $1,755.60
Growth: $-223.59 (-1.409%)
My Goal is the leave the workforce on my 55th birthday, 11,322 Days from now...
401 Account: Approximately 3.08 % of my portfolio
• Contributions: $827.42 (Employer Paid 1% of Salary)
• Worth $864.46
o Up 4.47% from inception, +$37.04
o Milestone 2040 makes up 100%
457 Account: Approximately 3.68% of my portfolio
• Discontinued Employer funded plan (interest = pennies)… I get it when I quit… can’t invest it… can’t do anything with it.
o Positive $1,033.46
ING DIRECT Roth IRA: Approximately 9.25% of my portfolio
• $2,500.00 Invested| Worth $2,596.77
o Up 3.87% from inception. Positive $96.77
o CD’s ranging from 1.25% to 4.5%
ShareBuilder Roth IRA Approximately 43.83% of my portfolio
• $12,250 Invested | Worth $12,298.16
o DOWN 1.61% since inception… -201.84
o ING Strategic Allocation Moderate $11,865.85 | I have 1,448.822 Shares
o ARDVX 2040 $ 432.31 | 50.445 Shares
o Money Market Cash: $0.00
o Not deposited Contributions: $0.00
Pension: Approximately 40.16% of my portfolio
If I quit tomorrow, I’d just have the cash in the account (earning an automatic 6% until withdrawn).
Total: $11,268.49
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less than a year’s worth of service credit, but I’ll be paying $33.06 for 29 more installments.
My entire portfolio (if I cashed my pension out today) is worth $28,061.34
I'm 24
Yup. Today is my birthday and urs truly is 24...
What did I always invision for 24...??? not much. Apparently I can shock myself.
I thought i'd still be saving for a place to live since my goal was property by 25... I never thought i'd be leaving tomorrow to drive to utah for 2 weeks, nor would I have believed that I would train for and complete a marathon...
I guess 2010 really is the year for changes... I'm in my mid 20's now... and i'm finally willing to take risks and chances... and to not just play it safe anymore.
What did I always invision for 24...??? not much. Apparently I can shock myself.
I thought i'd still be saving for a place to live since my goal was property by 25... I never thought i'd be leaving tomorrow to drive to utah for 2 weeks, nor would I have believed that I would train for and complete a marathon...
I guess 2010 really is the year for changes... I'm in my mid 20's now... and i'm finally willing to take risks and chances... and to not just play it safe anymore.
The best feeling ever
I went into my bank, pulled out $4,000.00 in cash...
I went to home depot and handed the lady my Credit statement and told her i'd like to pay it.
She said it was $4,000.00 and i plopped $4,000.00 on the counter in $100 bills...
I just stood there smugly as she checked each one into the camera...
BEST FEELING EVER!!!! WaYYYYY more satisfying then cutting them a check.
I went to home depot and handed the lady my Credit statement and told her i'd like to pay it.
She said it was $4,000.00 and i plopped $4,000.00 on the counter in $100 bills...
I just stood there smugly as she checked each one into the camera...
BEST FEELING EVER!!!! WaYYYYY more satisfying then cutting them a check.
Friday, May 7, 2010
emergency fund and money directions
It seems everyone seems set on 6 months of income and/or expenses as a decent emergency fund... (I have around $7,700.00... around 3 months)
Guess i'll be aiming for an emergency fund with $15,500.00 in it! Especially after the crazy market dive down. All my 2010 gains and profits are gone.
It's starting to make more and more sense to start stockpiling liquid reserves and leave the retirement contributions where they are for the time being instead of beefing them up. I can do that once the ef is in better shape... plus i'm in favor of paying down the condo as soon as possible as well... and travel is definently something i want to do.
I should be making around $43,000 this year since salries are frozen and we've taken a couple hits...So $5,000 to the roth, $342.72 will go into my 401a this year; $685.44 to my pension; then another $792.24 to my pension for the buy back i'm participating in.
Thats 6,820.40 to retirement (not counting the other $$$ my employer tosses into my pension) or 15.86% of my GROSS income going to retirement... and i'm not even 25 yet! (turn 24 tomorrow).
Guess i'll be aiming for an emergency fund with $15,500.00 in it! Especially after the crazy market dive down. All my 2010 gains and profits are gone.
It's starting to make more and more sense to start stockpiling liquid reserves and leave the retirement contributions where they are for the time being instead of beefing them up. I can do that once the ef is in better shape... plus i'm in favor of paying down the condo as soon as possible as well... and travel is definently something i want to do.
I should be making around $43,000 this year since salries are frozen and we've taken a couple hits...So $5,000 to the roth, $342.72 will go into my 401a this year; $685.44 to my pension; then another $792.24 to my pension for the buy back i'm participating in.
Thats 6,820.40 to retirement (not counting the other $$$ my employer tosses into my pension) or 15.86% of my GROSS income going to retirement... and i'm not even 25 yet! (turn 24 tomorrow).
Getting back on the healthy ban wagon
Post marathon I took a hiatus from the new healthy living idea I was going with... and i have a lot of damage to undo now... (lol)
anywho... When i get back from my vacation i'll be getting serious and really trying to aim to find balance.
This week alone i went to henrys for the first time in a few weeks, and already the food i'm eating is making me feel better... including my new breakfast idea:
Total Calories: 458
Fat(g) 6.18
Carbs(g)89.42
Fiber(g)11.5
Prot(g) 17.52
1/2 cup organic fat free milk
8 oz sliced strawberries
1 cup trader joes low fat organic vanilla yogurt
1 serving (55 grams) trader joes organic raisin brand clusters
Ya, my breakfast has 11.5 grams of fiber, & 17 grams of protein. I actually eat the cereal first, then an hour or so later I have the fruit and yogurt combo... but if you have a trader joes near you, the organic low fat vanilla yogurt is like heaven on fruit!!!!!
anywho... When i get back from my vacation i'll be getting serious and really trying to aim to find balance.
This week alone i went to henrys for the first time in a few weeks, and already the food i'm eating is making me feel better... including my new breakfast idea:
Total Calories: 458
Fat(g) 6.18
Carbs(g)89.42
Fiber(g)11.5
Prot(g) 17.52
1/2 cup organic fat free milk
8 oz sliced strawberries
1 cup trader joes low fat organic vanilla yogurt
1 serving (55 grams) trader joes organic raisin brand clusters
Ya, my breakfast has 11.5 grams of fiber, & 17 grams of protein. I actually eat the cereal first, then an hour or so later I have the fruit and yogurt combo... but if you have a trader joes near you, the organic low fat vanilla yogurt is like heaven on fruit!!!!!
Saturday, May 1, 2010
How $8.11 is changing my finances
Okay, The title is a little funny, and i've been hesitant to post this since interest rates on savings accounts are so pitiful... and have been for awhile...and I probably waste that much money and more every month from something or another... but its changing my finances.
I've been saving all those random Pennies and change i've been getting on all my little savings accounts at ING... But i haven't been just adding the money to my emergency fund or what not... I've been putting it into a seperate account. This month I earned $8.11 in interest so that account has a balance of $64.53... all from interest from this year and a bit from Nov and Dec of last year. $60.00 painlessly saved without any effort... without me adding money to it... just by saving the megar interest from my other accounts. and that's the whole point. I'm not going to add anything to it except interest... ever. EFFORTLESS SAVING!
So what is this mini savings account for? I call it my Wealth Builder account. Nothing ever comes out... only interest goes in.... and as that interest grows... it will earn interest too. In Jan the account earned a penny, febuary it earned a penny... you get the picture... This month the wealth builder earned a nickle...
I guess its my little experiment... but I think i'll end up with more then $100.00 by the end of the year!
I've been saving all those random Pennies and change i've been getting on all my little savings accounts at ING... But i haven't been just adding the money to my emergency fund or what not... I've been putting it into a seperate account. This month I earned $8.11 in interest so that account has a balance of $64.53... all from interest from this year and a bit from Nov and Dec of last year. $60.00 painlessly saved without any effort... without me adding money to it... just by saving the megar interest from my other accounts. and that's the whole point. I'm not going to add anything to it except interest... ever. EFFORTLESS SAVING!
So what is this mini savings account for? I call it my Wealth Builder account. Nothing ever comes out... only interest goes in.... and as that interest grows... it will earn interest too. In Jan the account earned a penny, febuary it earned a penny... you get the picture... This month the wealth builder earned a nickle...
I guess its my little experiment... but I think i'll end up with more then $100.00 by the end of the year!
May kiva loan: Burundi!
New Loan!
Iyunge Group
Location: Cibitoke, Burundi
Repayment Term: 8 months
Activity: Fruits & Vegetables
Repayment Schedule: Monthly
Loan Use: purchasing bigger quantities of beans but also new products to sell her customers
Pascasie Nzoyisaba, 33, is a businesswoman who lives in the township of Rugombo in the province of Cibitoke in the west of Burundi. She buys beans to resell at the central market of Rugombo. She started up her business with a loan from Turame and she is presently on her fourth loan, having received the amounts of 60,000 fbu ; 200,000 fbu et 270,000 fbu for her first three loans.
She is the mother of three sons, 10, 6, and 4 years old. The two older boys are enrolled in school. She makes a big effort to see that her children will be able to stay in school and graduate successfully, so that they can become responsible adults and have a happy life.
Pascasie is requesting this Kiva loan to buy bigger quantities of beans, as well as other, different foodstuffs to sell to her customers. She hopes to make a lot of profit due to this increase in her working capital.
CURRENT LOANS IN ACTION
Obama Group
Location: Dar Es Salaam, Tanzania
Repayment Term: 7 months
Activity: Grocery Store
Repayment Schedule: Monthly
Loan Use: to start selling water, juice and sodas at wholesale prices
Siguikadi Group
Location: Kadiolo Sikasso, Mali
Repayment Term: 8 months
Activity: Retail
Repayment Schedule: Monthly
Loan Use: Purchase of selling items
Repaid: $4.17
Fight For Progress Group
Location: Makeni, Sierra Leone
Repayment Term: 12 months
Activity: Food Market
Repayment Schedule: Monthly
Loan Use: Buy palm-oil, rice, and oranges in wholesale quantities
Repaid: $2.50
Altantuya Lhasuren
Location: Tsetserleg, Arhangai, Mongolia
Repayment Term: 20 months
Activity: Butcher Shop
Repayment Schedule: Monthly
Loan Use: to purchase meat
Repaid: $2.78
LOANS PAID IN FULL:
Zenaida Daing- Farming, Sta. Josefa, Agusan Del Sur, Philippines
Elizabeth Aidoo- Food Market, Wiawso, Ghana
Mobateli Plus Group -Manufacturing, The Democratic Republic of the Congo
Paz y Amor Group -Fruits & Vegetables, Dominican Republic
Dustmatov Eralboy - Livestock, Tajikistan
Seccelambras Group -Food Production/Sales, Peru
Rashidat Mumuni -Fish Selling, Nigeria
Karla Vanessa Montiel Barahona -Housing, Nicaragua
Eal Nub -Fish Selling, Cambodia
Atim Irene's Group -Medical Clinic, Uganda
Like Kiva? Think its neat? then lend! KIVA!
Iyunge Group
Location: Cibitoke, Burundi
Repayment Term: 8 months
Activity: Fruits & Vegetables
Repayment Schedule: Monthly
Loan Use: purchasing bigger quantities of beans but also new products to sell her customers
Pascasie Nzoyisaba, 33, is a businesswoman who lives in the township of Rugombo in the province of Cibitoke in the west of Burundi. She buys beans to resell at the central market of Rugombo. She started up her business with a loan from Turame and she is presently on her fourth loan, having received the amounts of 60,000 fbu ; 200,000 fbu et 270,000 fbu for her first three loans.
She is the mother of three sons, 10, 6, and 4 years old. The two older boys are enrolled in school. She makes a big effort to see that her children will be able to stay in school and graduate successfully, so that they can become responsible adults and have a happy life.
Pascasie is requesting this Kiva loan to buy bigger quantities of beans, as well as other, different foodstuffs to sell to her customers. She hopes to make a lot of profit due to this increase in her working capital.
CURRENT LOANS IN ACTION
Obama Group
Location: Dar Es Salaam, Tanzania
Repayment Term: 7 months
Activity: Grocery Store
Repayment Schedule: Monthly
Loan Use: to start selling water, juice and sodas at wholesale prices
Siguikadi Group
Location: Kadiolo Sikasso, Mali
Repayment Term: 8 months
Activity: Retail
Repayment Schedule: Monthly
Loan Use: Purchase of selling items
Repaid: $4.17
Fight For Progress Group
Location: Makeni, Sierra Leone
Repayment Term: 12 months
Activity: Food Market
Repayment Schedule: Monthly
Loan Use: Buy palm-oil, rice, and oranges in wholesale quantities
Repaid: $2.50
Altantuya Lhasuren
Location: Tsetserleg, Arhangai, Mongolia
Repayment Term: 20 months
Activity: Butcher Shop
Repayment Schedule: Monthly
Loan Use: to purchase meat
Repaid: $2.78
LOANS PAID IN FULL:
Zenaida Daing- Farming, Sta. Josefa, Agusan Del Sur, Philippines
Elizabeth Aidoo- Food Market, Wiawso, Ghana
Mobateli Plus Group -Manufacturing, The Democratic Republic of the Congo
Paz y Amor Group -Fruits & Vegetables, Dominican Republic
Dustmatov Eralboy - Livestock, Tajikistan
Seccelambras Group -Food Production/Sales, Peru
Rashidat Mumuni -Fish Selling, Nigeria
Karla Vanessa Montiel Barahona -Housing, Nicaragua
Eal Nub -Fish Selling, Cambodia
Atim Irene's Group -Medical Clinic, Uganda
Like Kiva? Think its neat? then lend! KIVA!
April Monthly Spending
Condo Expenses:
• Mortgage Interest $510.92, Principle paid $139.72 + $60.00 additional Principle, Property Taxes $125.00; PMI 52.74, HOA $250.00
Giving /Donations
• LTG: $260.00 | Kiva Loan $25.00
Auto Mobil Expenses:
• Gas $90.88
Utility Bills:
• Electricity $25.92 | Cell Phone $57.90 | Internet $29.99
Groceries/House Supplies:
• Ralphs $42.35 | Henrys $11.94 | Trader Joes $116.19 | Costco $53.53 (house supplies too!)
Eating Out:
• Chillis $15.00 | Islands $24.61 | Ren Fair Food $20.00 | Starbucks $2.30 | $Old Town Tustin $12.00
Going out:
• $2.00 movie Theater| Parking in LA $3.00 | Angles Flight $0.50
Gifts:
• Had a few items shipped to my house that will be presents for ppl $86.07
Shopping:
• Candle holder $29.00 | Victoria Secret $16.31 | Ren Fair Costume $76.11 | Books (5 paperbacks) $5.00 | Ren Fair purchases (mini panda, glass blown flower, bracelet $12.00) | Kohls (4 shorts/Capris, gym pants, 2 tops $83.63| Kohls (shorts and gym pants) $33.24 | Ring (I’m getting paid back for this later $20.00
Vacations:
• Utah: Hotel 1 night $76.74
• Utah: 2 Hotels 1 night ($98.90)—should get getting some $$$ back for this when I got to Utah.
Other:
• Credit Scores: $15.90
Total Damage: $2,484.38
January $1981.94 | February $2718.57 | March 2229.26 | April $2484.38
• Mortgage Interest $510.92, Principle paid $139.72 + $60.00 additional Principle, Property Taxes $125.00; PMI 52.74, HOA $250.00
Giving /Donations
• LTG: $260.00 | Kiva Loan $25.00
Auto Mobil Expenses:
• Gas $90.88
Utility Bills:
• Electricity $25.92 | Cell Phone $57.90 | Internet $29.99
Groceries/House Supplies:
• Ralphs $42.35 | Henrys $11.94 | Trader Joes $116.19 | Costco $53.53 (house supplies too!)
Eating Out:
• Chillis $15.00 | Islands $24.61 | Ren Fair Food $20.00 | Starbucks $2.30 | $Old Town Tustin $12.00
Going out:
• $2.00 movie Theater| Parking in LA $3.00 | Angles Flight $0.50
Gifts:
• Had a few items shipped to my house that will be presents for ppl $86.07
Shopping:
• Candle holder $29.00 | Victoria Secret $16.31 | Ren Fair Costume $76.11 | Books (5 paperbacks) $5.00 | Ren Fair purchases (mini panda, glass blown flower, bracelet $12.00) | Kohls (4 shorts/Capris, gym pants, 2 tops $83.63| Kohls (shorts and gym pants) $33.24 | Ring (I’m getting paid back for this later $20.00
Vacations:
• Utah: Hotel 1 night $76.74
• Utah: 2 Hotels 1 night ($98.90)—should get getting some $$$ back for this when I got to Utah.
Other:
• Credit Scores: $15.90
Total Damage: $2,484.38
January $1981.94 | February $2718.57 | March 2229.26 | April $2484.38
Monthly Recap: 2010 goals
Financial $$$ & Personal Goals End of April Re-cap
Pay off non-mortgage Debt
• Pay off Tile Loan -> $4,000.00 FTH Tax Return
• Pay off Home Depot -> $4,000.00 FTH Tax Return
GOT MY MONEY!!!! Will Pay off Home Depot on Monday!
Lower Mortgage to under $115,000.00
• @ $116,625.20 (1,625.20 to go)
Principle Payments:
January $137.07 +$60.00 | February $137.96 + $60.00 |March $138.82 +$60.00 |April $139.72 +$60.00 |
Get emergency fund to $8,400.00 (left to add $800.00)
Emergency fund now sits at $7,600.00
January $100 |February $100| March $100 |April $300.00. * I’m taking the $200.00 from my property tax refund and adding it to the balance in my BOFA checking account. I feel more comfortable with that account having more than $1,000.00 in it. So I’ve changed my Emergency fund goal to $8,400.00 so I still need to save $100.00 a month.
Contribute $5,000.00 to Roth IRA ($4,000.00 left to add)
January $250.00 | February $250.00 |March $250.00 | April $250.00
Car Fund (Save $250.00) (left to add $48.12)
This month I added $49.12 since I only filled up the car twice. The savings account now has a balance of: $541.88
Increase Networth to $60,000.00
• @$53,985 (change of $1,901 or 3.65% from last month)
This Month:
• I put $250 to the Roth IRA
• My employer 401a contributions: $28.48
• My Pension got a push: $123.08
• Paid down the mortgage this month by $199.72
• Saved some money into the car fund this month: $49.12
• Got my property tax refund from the County. Put $200.00 of it into the emergency fund.
• I puppy sat this month and used that money to pay for my hotel some clothes.
Personal Goals:
GET IN SHAPE
I succeeded again in not eating any red meat this month… and have shifted a lot of my grocery choices to organic… (and went over budget in the food department.)
But I blew the whole exercise regime… Fell off the marathon training ban wagon.
Time to get my gut and butt back in gear…
Give More
• Kiva- I made one Kiva loan in January (Mongolia), one in February (Sierra Leon) and one in March (Mali), and one in April (Tanzania). Plus I got $25.00 back from my CC rebates so that is set aside to fund a loan for May.
• Childshare – By participating in the Marathon I raised over $1,000.00 personally, ($2,540 as a team) to find kids good loving homes! I’m also networking with a child share rep about helping them plan their next fundraiser in June when I get back from my trip.
• LTG- =) I’ll be volunteering and doing more behind the scenes work here after april.
Track my spending
Somehow things worked out… not a clue how…
Read One book a Month
I’m still reading book 3: Captivating by John and Staci Eldredge
SO FAR I GIVE IT: 10 Stars/5 Stars
Amazon link:
BOOK 4, 5, 6, & 7
I was having trouble getting into a novel and devouring it…I’d start a book and put it down… grab something else… attempt it… put it down… So my friend told me to pick up a certain book since he likes to read the same stuff I do occasionally. I had to find it in the teen section… and apparently the author wrote it when she was 13… (You’d have no clue a 13 year wrote it…) totally Fantasy… totally about a vampire… and a really short read. I devoured it… and it was Free from the library. I went back on Friday and picked up the next three in the series because my computer is busted so I can’t catch up on TV shows I missed this week. It’s dirty pleasure weekend!
Ameila Atwater-Rhodes “In the Forests of the Night”
Ameila Atwater-Rhodes “Demon in my View”
Ameila Atwater-Rhodes “Shattered Mirror”
Ameila Atwater-Rhodes “Midnight Predator”
Ameila's Bookshelf
Pay off non-mortgage Debt
• Pay off Tile Loan -> $4,000.00 FTH Tax Return
• Pay off Home Depot -> $4,000.00 FTH Tax Return
GOT MY MONEY!!!! Will Pay off Home Depot on Monday!
Lower Mortgage to under $115,000.00
• @ $116,625.20 (1,625.20 to go)
Principle Payments:
January $137.07 +$60.00 | February $137.96 + $60.00 |March $138.82 +$60.00 |April $139.72 +$60.00 |
Get emergency fund to $8,400.00 (left to add $800.00)
Emergency fund now sits at $7,600.00
January $100 |February $100| March $100 |April $300.00. * I’m taking the $200.00 from my property tax refund and adding it to the balance in my BOFA checking account. I feel more comfortable with that account having more than $1,000.00 in it. So I’ve changed my Emergency fund goal to $8,400.00 so I still need to save $100.00 a month.
Contribute $5,000.00 to Roth IRA ($4,000.00 left to add)
January $250.00 | February $250.00 |March $250.00 | April $250.00
Car Fund (Save $250.00) (left to add $48.12)
This month I added $49.12 since I only filled up the car twice. The savings account now has a balance of: $541.88
Increase Networth to $60,000.00
• @$53,985 (change of $1,901 or 3.65% from last month)
This Month:
• I put $250 to the Roth IRA
• My employer 401a contributions: $28.48
• My Pension got a push: $123.08
• Paid down the mortgage this month by $199.72
• Saved some money into the car fund this month: $49.12
• Got my property tax refund from the County. Put $200.00 of it into the emergency fund.
• I puppy sat this month and used that money to pay for my hotel some clothes.
Personal Goals:
GET IN SHAPE
I succeeded again in not eating any red meat this month… and have shifted a lot of my grocery choices to organic… (and went over budget in the food department.)
But I blew the whole exercise regime… Fell off the marathon training ban wagon.
Time to get my gut and butt back in gear…
Give More
• Kiva- I made one Kiva loan in January (Mongolia), one in February (Sierra Leon) and one in March (Mali), and one in April (Tanzania). Plus I got $25.00 back from my CC rebates so that is set aside to fund a loan for May.
• Childshare – By participating in the Marathon I raised over $1,000.00 personally, ($2,540 as a team) to find kids good loving homes! I’m also networking with a child share rep about helping them plan their next fundraiser in June when I get back from my trip.
• LTG- =) I’ll be volunteering and doing more behind the scenes work here after april.
Track my spending
Somehow things worked out… not a clue how…
Read One book a Month
I’m still reading book 3: Captivating by John and Staci Eldredge
SO FAR I GIVE IT: 10 Stars/5 Stars
Amazon link:
BOOK 4, 5, 6, & 7
I was having trouble getting into a novel and devouring it…I’d start a book and put it down… grab something else… attempt it… put it down… So my friend told me to pick up a certain book since he likes to read the same stuff I do occasionally. I had to find it in the teen section… and apparently the author wrote it when she was 13… (You’d have no clue a 13 year wrote it…) totally Fantasy… totally about a vampire… and a really short read. I devoured it… and it was Free from the library. I went back on Friday and picked up the next three in the series because my computer is busted so I can’t catch up on TV shows I missed this week. It’s dirty pleasure weekend!
Ameila Atwater-Rhodes “In the Forests of the Night”
Ameila Atwater-Rhodes “Demon in my View”
Ameila Atwater-Rhodes “Shattered Mirror”
Ameila Atwater-Rhodes “Midnight Predator”
Ameila's Bookshelf
Retirement perspectives
The Market was a little nasty this week...
End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,725.57
Additional Contributions since 2009: $1,679.74
Growth: $516.50 (3.254%)
My Goal is the leave the workforce on my 55th birthday, 11,329 Days from now...
401 Account: Approximately 3.18 % of my portfolio
• Contributions: $813.18 (Employer Paid 1% of Salary)
• Worth $914.40
o Up 12.44% from inception, +$101.22
o Milestone 2040 makes up 100%
457 Account: Approximately 3.60% of my portfolio
• Discontinued Employer funded plan (interest = pennies)… I get it when I quit… can’t invest it… can’t do anything with it.
o Positive $1,033.41
ING DIRECT Roth IRA: Approximately 9.02% of my portfolio
• $2,500.00 Invested| Worth $2,592.19
o Up 3.68% from inception. Positive $92.19
o CD’s ranging from 1.25% to 4.5%
ShareBuilder Roth IRA Approximately 45.18% of my portfolio
• $12,250 Invested | Worth $12,978.70
o up 3.82% since inception… Positive $478.70
o ING Strategic Allocation Moderate $12,368.67 | I have 1,431.561 Shares
o ARDVX 2040 $ 360.03 | 39.564 Shares
o Money Market Cash: $250.00
o Not deposited Contributions: $0.00
Excluding my Pension, my variable retirement accounts are worth $17,518.70 Of that I’ve only invested $15,000.00 of my money (the rest has been my employer). So technically I’ve made 16.79% If I compare all the “free money” and my contributions (Totals 16,846.59), my portfolio is UP 3.98% since inception.
Pension: Approximately 39.01% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Total: $11,206.87
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less than a year’s worth of service credit, but I’ll be paying $33.06 for 30 more installments.
My entire portfolio (if I cashed my pension out today) is worth $28,725.57
End of 2009 Balance: $26,529.33 | Current 2010 Balance: $28,725.57
Additional Contributions since 2009: $1,679.74
Growth: $516.50 (3.254%)
My Goal is the leave the workforce on my 55th birthday, 11,329 Days from now...
401 Account: Approximately 3.18 % of my portfolio
• Contributions: $813.18 (Employer Paid 1% of Salary)
• Worth $914.40
o Up 12.44% from inception, +$101.22
o Milestone 2040 makes up 100%
457 Account: Approximately 3.60% of my portfolio
• Discontinued Employer funded plan (interest = pennies)… I get it when I quit… can’t invest it… can’t do anything with it.
o Positive $1,033.41
ING DIRECT Roth IRA: Approximately 9.02% of my portfolio
• $2,500.00 Invested| Worth $2,592.19
o Up 3.68% from inception. Positive $92.19
o CD’s ranging from 1.25% to 4.5%
ShareBuilder Roth IRA Approximately 45.18% of my portfolio
• $12,250 Invested | Worth $12,978.70
o up 3.82% since inception… Positive $478.70
o ING Strategic Allocation Moderate $12,368.67 | I have 1,431.561 Shares
o ARDVX 2040 $ 360.03 | 39.564 Shares
o Money Market Cash: $250.00
o Not deposited Contributions: $0.00
Excluding my Pension, my variable retirement accounts are worth $17,518.70 Of that I’ve only invested $15,000.00 of my money (the rest has been my employer). So technically I’ve made 16.79% If I compare all the “free money” and my contributions (Totals 16,846.59), my portfolio is UP 3.98% since inception.
Pension: Approximately 39.01% of my portfolio
If I quit tomorrow, I’d just have the cash in the account.
Total: $11,206.87
• I’m currently buying additional time in my retirement accounts from when I was 16-18 years of age (service prior to membership). It’s less than a year’s worth of service credit, but I’ll be paying $33.06 for 30 more installments.
My entire portfolio (if I cashed my pension out today) is worth $28,725.57
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