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Happy New Year!!

General $ Updates

I contributed 50% of my paycheck to my 401(k)

I decided to contribute half of my paycheck to my 401(k) just for December so I could give it a little boost for 2023. It ended up being $2,940 from my paychecks and then my company matches 6%. So a total of $3,292.80 for the month!

My boyfriend and I booked travel for 2024

So far we’re really only planning one trip for the year and that is Jackson Hole, Wyoming! In December we booked our flights and our Airbnb.

Spending

Some main things to point out about my spending in December:

Household: My boyfriend and I bought a fridge unexpectedly, but I did pull from my furniture sinking fund to cover it.

Fun/Entertainment: Concert ticket to see my favorite artist!

Personal: Clothes, books, and crochet kits!

Car maintenance: I knew I had to get some car maintenance done soon, but I was hoping to push it out the January. However, it was time so this was on an oil change and new brake pads, brake fluid, etc. I pulled from my car maintenance sinking fund to cover it though!

Income

Full-time job (consultant) – GROSS: $5,880

ONLINE/BUSINESS INCOME

Teachable: $4.17
Etsy: $124.68
Buy Me a Coffee/Venmo: $175.00
Coaching: $668.13
Mediavine (display ads on LivinglikeLeila): $726.53
Affiliates/Sponsors: $1,736.13
Google AdSense (ad revenue from YouTube): $1,770.79

Online/Business Income Total: $5,205.43

EXTRA INCOME

CITI Cashback: $18.82
Christmas Gift – Lottery Ticket: $20.00
Discover Cashback: $24.65
BOA Cashback: $31.71
Christmas Gift: $50.00
Chase Cashback: $93.52
FB Marketplace: $150.00

Extra Income Total: $388.70

*Total Gross Income: $11,474.13

*I decided to start putting my gross income from all sources. This number does not reflect my taxes or 401k contributions.

Net Worth

As of December 31st, my net worth is $83,853.25. Up about 5.4% compared to last month!!

*Does not include the value of my car (personal preference).

Roth IRA (VTSAX): $24,778.78 (up 6.2% compared to last month)
401k: $21,261.69 (up 24.2% compared to last month)
M1 Invest (VTI): $7,071.83 (up 5.3% compared to last month)
Vanguard Brokerage (VGT): $1,193.70 (up 5% compared to last month)
Coinbase: $598.41 (up 14% compared to last month)

Sinking Funds:

  • Emergency Fund = $12,287.74
  • Gifts = $613.13
  • Beauty = $302.97
  • Car/Car maintenance = $2,419.15
  • Travel = $4.30
  • Car insurance = $117.68
  • Sabbatical = $2,707.82
  • Furniture/Home = $3,186.81
  • House Down Payment = $103.21
  • DOI Scholarship = $8.61

Sinking Funds Total = $28,809.92

Credit Score

My VantageScore is at 805.

December Goals Update

  • Put at least $1,500 to Sabbatical sinking fund ✅

January Money Goals

  • Just save as much as possible!