We’re already well into December, and that means that the paycheck has rolled in, the investments are transferring and I have to look through my finances anyway. It is the perfect time to review my journey and just keep myself accountable.
What happened this month?
So, I almost skipped this update for two months straight. This has mainly been due to a combination of tons of deadlines, work and the fact that I’ve had to dip into my savings, which means that the number hasn’t looked all that impressive to me, to be honest. But we are still heading in the right direction, so I just have to keep my head held high.
As you already know, I’ve done a huge closet clean-out, so that meant extra money for me, but it has also taken a long time to upload all these things for sale. That’s just how it is. I am also really swamped with work, so I am honestly just looking forward to getting through with all the work and really enjoy my Christmas.
My general/apartment savings are currently $5,431.
Slow but steady increase. I had to dip into the savings account last month, so we’re rebuilding it and perhaps aiming for $9,800-10,000 instead of $6,000. I do want some extra cushion, since I am not sure what life will throw at me once I have to choose a place to study for my Master’s.
My current investments are $4,770 out of my $33,000 goal.
My net worth is $-45,689.
I’ve increased my investments the last two months, so we’re picking up speed, which is really nice. I’ve accumulated some more debt, but this is used to pay off my tuition fee loan, which is a more expensive loan – so it is a calculated risk. It will all be OK in the end.
My current tuition fee debt is $54,634.
Books I’ve read and texts I’ve written
I’ve read “Cant Hurt Me” by David Goggins and I am currently reading “The Alter Ego Effect”. It will be a slow progress though, because I need to channel all my energy into my dissertation.
Goals for next month
My goal is to finish off those stupid deadlines and get on track with my dissertation. Meanwhile, thanks to the wake-up call from my closet clean-out, I am also in a mindset of saving money and squirrel as much away as possible. Hopefully that will translate into more savings and investment… and debt payoff as well.
How is your December going, and how did November go? Do you have any goals?