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A Tale of Finances
Budgeting, Millennial
Start Year:

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Net worth:
D.C., United States
Life stage:
SINK (Single Income, No Kids)
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Latest Blog Posts

I’m a home owner! And I LOVE my new place. There are a few minor (cosmetic) changes I am looking to make in the future, but overall the place doesn’t require any updating. I’m getting used to a new neighborhood and I like being close to so many great restaurants! I’ve decided not to disclose […] ...
Posted: Dec 10 2017 @ 10:21 PM
I’m buying a condo!! So my net worth is way down this month. I’m not going to write a long explanation defending my decision, but it’s definitely the right decision for me. I did have to borrow from my 401K though. Ok! So where do I stand financially in all of this' Liquid Assets Aug-17 […] ...
Posted: Nov 13 2017 @ 3:14 PM
I’m going to try to make this short and sweet since September didn’t bring any surprises. My final account balances at the end of the month: Liquid Assets Aug-17 Sept-17 Change Cash & Checking $1,158 $1,000  ($158) Brokerage #1 $150 $161  +$11 Emergency Fund $3,385 $3,390  +$5 Short Term Savings $2,000 $3,000  +$1,000 Vanguard Fund  $500 $0 ($500) Illiquid Assets Aug-17 Sept-17 Change Brokerage $466  $472 +$6 Savings Bonds $2,085 $2,120  +$35 Retirement Aug-17 Sept-17 Change Roth IRA $17,657 $18,249  +$592 Traditional 401K $27,423  $29,477 +$2,054 Net Worth $54,824 $57,869 +$3,045 % Change 5.6% The biggest change is that I’ve merged some funds into my short term savings to prepare to buy a condo. I’m not going to update my goal progression this month because I’m lazy and ...
Posted: Oct 06 2017 @ 8:00 AM
It wasn’t easy deciding to go against popular advice of not borrowing from my 401K now that I’m condo hunting. When it came to saving for the down payment and closing costs I weighed three saving strategies: Saving aggressively in liquid savings accounts, only contributing the minimum to my 401K to receive my employer match. Continuing to max out my 401K and then borrow from it Saving the notoriously recommended 15% of my ...
Posted: Sep 10 2017 @ 2:06 AM
I’m continuing my condo hunt but am also still aiming to max out my retirement accounts this year. I’ll only be placing an offer on the perfect place.  I do want to increase my cash on hand though. So, in August, I contributed less to my Roth and 401k than in previous months and plan to do the same in September. I’ll increase my contributions eventually and slowly tighten my ...
Posted: Sep 05 2017 @ 12:57 AM
Spending Overview: I’m keeping track of my spending to hopefully break the habit of going over budget. This daily budget approach actually ended up going very well! It is definitely what I needed to get out of the monthly overspend habit. The weekly spend: Shopping: $11 Food: $51 Travel: $33 I’ll post my monthly totals in my August net worth post, which will be coming shortly. My spending habits broken down by days: Day 1-6 Beginning Balance: ...
Posted: Sep 05 2017 @ 12:12 AM
Spending Overview I’m keeping track of my spending to hopefully break the habit of going over budget. This week went well. I’m no longer in the red! I was actually really sick this week so not going outdoors helped. The weekly spend: Shopping: $46 Misc.: $1Health: $55Utilities:$91 I’m not counting the health and utility categories against myself (that’s why they’re greyed out). My utilities are relatively fixed and my healthcare expenses are reimbursed from my ...
Posted: Aug 22 2017 @ 2:15 AM
Spending Overview I’m keeping track of my spending to hopefully break the habit of going over budget. This week had fairly minimal spend: Food: $22 Shopping: $15 Misc.: $20 Admittedly I’m not including times that I ate out which totaled $55. This is due to my business trip earlier in the month in which I received a per diem. If I don’t spend all of my per diem during a trip I allow myself to ...
Posted: Aug 19 2017 @ 1:48 AM
The hunt is officially on! I’m looking for a condo, albeit much earlier than anticipated. So why the sudden change of heart? I really want to live in a 1 bedroom place. I hate living in a studio, especially since having a chronic illness means I spend a lot of time at home. I’m convinced that having only one room is not healthy in the long term. The average 1 bedroom in this city rents for ...
Posted: Aug 14 2017 @ 1:43 AM
Spending Overview Food: $18 Shopping: $160 Misc.: $2Health: $19 My goal is to spend $15 a day, on average, throughoutI the month of August. I am tracking my daily expenses, week by week, for at least the month of August. Technically Day 1 was in July  (as in July 31), but I think it’s simpler to work with a 7-day week from the start. I’m certainly not off to a stellar start, hopefully I can ...
Posted: Aug 07 2017 @ 5:49 PM


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