The State of the Finances
So, it's taken me a while to post. Mainly, it was because I was afraid to face the state of my finances. As of today, here is my net worth:
Savings 3870.30
Checking 404.16
Roth 924.00
Stocks 931.95
Receivable 2629.00
401(k) 8546.00
Student Loans (21298.79)
Credit Cards (2488.70)
(Payable) (0)
TOTAL (6482.08)
My emergency savings account is tucked away at ING Direct, which currently has a 2.35% savings rate but I am considering opening an account at Emigrant, since, as of this writing, they have a 3% yield. I have not yet maxed my Roth IRA contribution for 2004, but I definitely will by the April 15th deadline. I need to contribute $2500 more. I am a salaried employee, at a job that I love. I have some opportunities for overtime, and I am trying for the equivalent of a shift extra a week for all of my adventures.
I have student loans from undergraduate school, and I am paying on them because I don't still want to owe money by the time I am 30. To do this, I will need to pay about $500 per month for the next 5 years, but I end up paying about $250/mo. I am in graduate school part time , and I pay my tuition out of pocket, which averages $425/month, but I pay it all at once in the beginning of the semester. I pay my credit cards every month, but this month is a little different. I am expecting a reimbursement (including any interest) for $2000, in late March. The rest of the credit card debt, I'll pay with my next paycheck before the due date. In the next update, I'll post my monthly budget.
Savings 3870.30
Checking 404.16
Roth 924.00
Stocks 931.95
Receivable 2629.00
401(k) 8546.00
Student Loans (21298.79)
Credit Cards (2488.70)
(Payable) (0)
TOTAL (6482.08)
My emergency savings account is tucked away at ING Direct, which currently has a 2.35% savings rate but I am considering opening an account at Emigrant, since, as of this writing, they have a 3% yield. I have not yet maxed my Roth IRA contribution for 2004, but I definitely will by the April 15th deadline. I need to contribute $2500 more. I am a salaried employee, at a job that I love. I have some opportunities for overtime, and I am trying for the equivalent of a shift extra a week for all of my adventures.
I have student loans from undergraduate school, and I am paying on them because I don't still want to owe money by the time I am 30. To do this, I will need to pay about $500 per month for the next 5 years, but I end up paying about $250/mo. I am in graduate school part time , and I pay my tuition out of pocket, which averages $425/month, but I pay it all at once in the beginning of the semester. I pay my credit cards every month, but this month is a little different. I am expecting a reimbursement (including any interest) for $2000, in late March. The rest of the credit card debt, I'll pay with my next paycheck before the due date. In the next update, I'll post my monthly budget.
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