By: Revanche

December Snapshot

December 31, 2008

Retirement Savings

Rollover IRA: $1,026
Roth IRA: $4,499
401(a): $4,448
403(b): $11,977
Total: $ 20,924 (21,604)

Emergency Savings

Catastrophe: $ 21,659 (20,000)
Problem Cushion: $ 1,000 (794)

Short Term Goals

Car Maintenance: $352
Car Insurance: $1,356
Travel/Con: $1163
Taxes: $3,507
Moving: $1015
Total: $ 7,273 (6,554)

Long Term Goals

House Down Payment: $101

Investment Loans

Prosper-ish: $12,630
Personal Loan: $5,000
Savings Bond: $357 (current accrued value)
Total: $ 17,998 (17,998)

Total Assets

Illiquid: $20,924
Semi-Liquid: $17,998
Liquid: $22,659
Expense Acct: $5,461
Goals Savings: $7,273
Total: $ 74,315 (73,110)

Debt and Liabilities

Truck: $2,353
AX: $196
Citi: $92
Citi 2: $1,090
Chase: $245
Rent: $1,360
Total: $ 5,336 (6,075)

Net Worth

$ 68,979 (67,035)

December: the month of three paychecks, and the final quarterly payment. That balanced out some of my profligate spending (hello pretty laptop, suit, heat for the below 40 degree nights) and fattened up my reserves just a bit. I’m going to need every bit of safety cushion I can get in the coming months and am very happy that even with paying out over $2000 on ridiculous car expenses, I haven’t lost too much momentum. In fact, I’m ever so grateful that I’ve gotten to the point where a blow like that just stings and takes up time and energy without draining me completely. There was a time when something like that would have meant debt.

I do feel a major sense of urgency: need a new job, need to purge more junk from the room, need to complete a million things before the official return to work. Urgency is good, it keeps me going and every little task builds a step for the next. In fact, I got rid of approximately 15 pounds of stuff, organized gift stuff into a single box, starting packing away photo frames, and paved the way to organize stored clothing. Fantastique!

Honestly, I think I’m just repeating myself now. I expect the January snapshot to announce bigger and better things.

Happy New Year everyone!

2 Responses to “December Snapshot”

  1. I am feeling that urgency too. Purge more, organize more, pack as little as possible…

    Your snapshot looks great 🙂

    Fabulously Broke in the City
    Just a girl trying to find a balance between being a Shopaholic and a Saver…

  2. Revanche says:

    FB: Thanks!
    The progress from the last few days has been pretty satisfying, can’t wait to finish it out soon.

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