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Happy June!!

General $ Updates

I got my pay increase (promotion)

As I mentioned last month, I got a promotion! That role/pay increase started May 1st, so my pay increase applied to both of my pay checks. I did get a 12% raise so of course my 401(k) contribution increased and so did my taxes.

I’m all moved in

Moving day went pretty smoothly and I settled in/adjusted pretty quickly. This move also helped me to declutter a ton and I even made some profit from selling things!

I re-allocated my 401(k)

When I first enrolled in my company’s 401(k) plan I selected the “riskiest” investing option and have kept it at that. I was contributing to quite a few Vanguard funds, but that included some bonds and funds with higher expense ratios. I decided I wanted to create my own portfolio to see more growth.

I ended up re-allocating 50% to VFIAX and 50% to VIGAX.

I switched car insurance

I’ve been with Geico for a couple years, but since I moved they were going to increase my 6-month premium by over $200. I decided to shop around and ended up switching to Progressive.

My coverage is the same and I paid $596 for 6-months of coverage. I also got a $300 refund from Geico!


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

Roth IRA: Almost all maxed out ๐Ÿ˜Š

Personal: I used my $120+ worth of Hollister gift cards to get some Summer clothes and had to use $15.58 to cover the remainder.

Car Insurance: I mentioned this above, but I did end up switching to Progressive to save quite a bit of money!

Travel: My boyfriend and I ended up booking a trip to Costa Rica. ๐Ÿ™Œ๐Ÿป This is my 30th birthday/debt free trip really. My boyfriend paid for our flights and the $525 is half of our Airbnb, HOWEVER, I redeemed my cash back on my Capital One Venture X card and was able to cover this purchase completely (that is accounted for in my extra income).


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


Coaching: $50.00
Buy Me a Coffee/Venmo: $100.00
Etsy: $120.61
Mediavine (display ads on LivinglikeLeila): $158.15
Affiliates/Sponsors: $1,019.88
Google AdSense (ad revenue from YouTube): $1,155.04

Online/Business Income Total: $2,603.68


Discover Cashback: $7.83
Bank of America Cashback: $12.74
Chase Cashback: $15.51
IBotta: $22.85
CITI Cashback: $28.00
Rakuten: $31.62
Mercari: $37.08
Capital One Checking Referral: $50.00
Renter’s Insurance Refund: $67.00
Upgrade Referrals: $101.09
Ebay: $231.47
Car Insurance Refund: $300.13
Capital One Cashback: $525.60

Extra Income Total: $1,430.92

*Total Gross Income: $9,914.60

*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 May 31st, my net worth is $48,000.71. Up about 8% compared to last month!

*Total Assets = $84,000.71
Total Liabilities = $36,000
Net Worth = $48,000.71

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

Roth IRA (VTSAX): $20,683.22 (up 21.8% compared to last month)
401k: $10,162.67 (up 10.2% compared to last month)
M1 Invest (VTI): $6,107.97 (up 0.4% compared to last month)
Coinbase: $377.95 (down 7.7% compared to last month)

Sinking Funds:

  • Emergency Fund = $6,108.42
  • Gifts = $479.36
  • Beauty = $153.28
  • Car/Car maintenance = $2,274.10
  • Travel = $4.18
  • Car insurance = $1.78
  • Sabbatical = $14.52
  • Furniture/Home = $0.41
  • House Down Payment = $0.74
  • Student Loan Savings = $36,045.16

Sinking Funds Total = $45,081.95

Credit Score

My VantageScore is at 801 which is one point down from last month.

May Goals Update

  • Reach $4K contributed to my 2023 Roth IRA CHECK
  • Get rid of 50 things CHECK

June Money Goals

  • Max out 2023 Roth IRA
  • Save at least $1K to emergency fund