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So November wasn’t a perfect finance month by any means, BUT I reached a huge milestone in my financial journey!
I REACHED A POSITIVE NET WORTH!
I’ve been looking forward to this point in my financial journey for a veryyy long time!
Let’s jump in:
General $ Updates
I reached over $11,000 saved for my student loans
The more the better! And it’s kind of nice to reach $11K by the 11th month 🙂
My emergency fund dropped below $3K again
I know an emergency fund is there for a reason, but I’ve got to admit I hate taking money out of there! I’m back down to around $2,500. By the end of the year I really wanted $6K, but it will just take me a bit longer.
I started the month of November with my official debt at $36,000 and ended with $36,000. However, I technically started at $25,442.64 if you consider the money I have saved to pay those loans down.
In November I saved an additional $451.46 for my student loans (bringing my total saved to $11,008.78) so my final debt for November would be $24,991.22.
I still have paid $0 in interest 😊
Some main things to point out about my spending in November:
Groceries: I’m under budget finally!!!
Health/Beauty: Another month of very high medical expenses. This is primarily medication, supplements, vitamins, and an office visit at my Holistic doctor.
Personal: I did some Black Friday shopping and bought a lot of new workout clothes
Full-time job (microbiologist): $5,134.44
Google AdSense (ad revenue from YouTube): $491.86
Financial Coaching: $250.00
Buy Me a Coffee/Venmo: $189.82
Mediavine (display ads on LivinglikeLeila): $160.12
Online/Business Income Total: $1,146.65
Chase Cashback: $37.46
Discover Cashback: $28.98
BOA Cash Rewards: $3.79
Extra Income Total: $159.28
Pre-Tax Total Income: $6,440.37
As of November 30th my net worth is $343.14!!!! I REACHED A POSITIVE NET WORTH YA’LL!!
Roth IRA (VTSAX): $8,574.22 (up 0.4% compared to last month)
M1 Invest (VTI): $4,269.98 (up 15.6% compared to last month)
Coinbase: $95.85 (up 68.3% compared to last month)
- Taxes = $3,654.47
- Emergency Fund = $2,504.44
- Gifts = $260.66
- Medical/Dental = $1.00
- Car maintenance = $1,056.68
- Travel = $234.46
- Car insurance = $270.36
- Project $0 to Profit = $14.01
- Phone = $472.41
- MacBook = $701.82
My VantageScore increased by 21 points to 788!! Great increase
November Goals Update
- Reach at least $11,200 in my student loan savings NOPE, Missed the mark by bout $200
- Make over $1,000 online CHECK
- Put in more effort this month to make over $1,500 in December NOT QUITE
December Money Goals
- Reach at least $11,400 in my student loan savings (Ideally $12K)
- Make over $1,500 online
- Reach $3,000 in my emergency fund again