By The Numbers
Comparison By Age
($75,726)
$4,526,302
Comparison By Occupation
($158,649)
$9,450,000
Comparison By Education
($62,200)
$9,450,000
Comparison By Salary
($68,988)
$9,002,000

sustainablesavings' Profile

Currency
United States Dollar - USD
Date Joined
11/30/2013
Salary Range
100,000 - 149,999
Occupation
Finance/Accounting
Age Range
35-39
About Me
I just turned 38 years old! I'm a CPA working in non-profit as a senior accountant. My salary is about $90K. My husband, 39, had been our SAHP for years. In 2014, he started working PT, earning around $15K annually. Just this year went back to FT with a $40K salary. We have 2 kids, ages 6 & 8. They are growing fast and I strive for a balance between enjoying the present and working towards our future. Our goal is FI and maybe even RE! Hoping to hit ONE MILLION by the time I'm 40.
Why I Joined
to track my progress, watch my NW grow, and get advice from others.
Best Financial Decision
Maximizing savings and not buying junk! Living frugally with a family. Maxing out tax advantaged retirement accounts. Not buying a McMansion. Driving older cars. Having kids on the cheap (things we didn't do- disposable diapers, baby food, lots of baby gear...)
Worst Financial Decision
Not maxing out my 401K in my first few jobs. Put in something piddly like 10% for several years, or worse, not participating at all!
Current Investing Strategy
Save as much as possible while living well.
How do you manage your finances?
Closely. I don't do much in the way of fancy investing- just mutual funds and target date funds. My focus is to save a large percentage of our family's one income, by keeping expenses low. In 2013, my family of 4 lived well on $42K, well under 1/2 of our gross income. Actual savings rate is about 47% due to taxes and benefit costs. Update: in 2014 we spent significantly more- $51K, with the majority of the increase coming from car repairs and increased tuition (youngest started preschool, we sent oldest to private K). Another hefty increase in spend. 2015 clocked in at $59K. This includes $7K on childcare. DH worked full time for 6 months, and we spent much of the earnings on childcare. Not doing that again. We also vacationed sooo hard last year. A week in Turks & Caicos to the tune of $6K. $2K visiting family on the opposite coast. Another $1K on airfare for an early 2016 vacation. What can I say, I like my vacations. We'll tone it down in the next 1.5 years, though... The numbers are in for 2016, and we were just shy of $57K in spending. This includes $11K of tuition, though, so without that we were at about $45K for the year. Hoping 2017 is around $45K, too.
What tools do you use?
I use excel and yodlee and NWS, and recently started using YNAB in an effort to become more sensitized to expenses as they occur. Yodlee, excel, and NWS are great look back tools, but I want to be more proactive and in the moment. Update: Love YNAB. Love it. It keeps me focused on goals on a daily basis, it has smoothed out the bumps of infrequent expenses, it has allowed us to spend money on non-essentials without feeling guilty.
I need financial help with...
I need to not spend so much at restaurants and on vacations.
Favorite Authors
I like the community at the Mr. Money Mustache forums.
Favorite Books
Short term goals instead here: $700K NW by December 2016
Favorite Movies
Long term goals instead of here: FI (based on 4% rule) bu December 2021. I'll be 45. Continue working part-time for a few years to before easing into early retirement.
Last Login
8/30/2018
Net Worth Entries
All values shown in USD ($)
2018 - July $974,348 $0 $974,348
2018 - June $943,799 $0 $943,799
2018 - May $946,932 $0 $946,932
2018 - April $920,613 $0 $920,613
2018 - March $905,072 $0 $905,072
2018 - February $922,414 $0 $922,414
2018 - January $923,996 $0 $923,996
2017 - December $898,761 $0 $898,761
2017 - November $882,203 $0 $882,203
2017 - October $861,544 $0 $861,544
2017 - September $841,224 $0 $841,224
2017 - August $824,290 $0 $824,290
2017 - July $815,241 $0 $815,241
2017 - June $790,691 $0 $790,691
2017 - May $785,063 $0 $785,063
2017 - April $766,803 $0 $766,803
2017 - March $753,751 $0 $753,751
2017 - February $752,590 $0 $752,590
2017 - January $724,225 $0 $724,225
2016 - December $712,209 $0 $712,209
2016 - November $691,419 $0 $691,419
2016 - October $676,234 $0 $676,234
2016 - September $685,664 $0 $685,664
2016 - August $681,864 $0 $681,864
2016 - July $672,748 $0 $672,748
2016 - June $651,418 $0 $651,418
2016 - May $648,406 $0 $648,406
2016 - April $627,651 $0 $627,651
2016 - March $625,807 $0 $625,807
2016 - February $599,065 $0 $599,065
2016 - January $577,246 $0 $577,246
2015 - December $607,952 $0 $607,952
2015 - November $611,676 $0 $611,676
2015 - October $612,435 $0 $612,435
2015 - September $587,456 $0 $587,456
2015 - August $571,109 $0 $571,109
2015 - July $607,119 $0 $607,119
2015 - June $602,205 $0 $602,205
2015 - May $606,149 $0 $606,149
2015 - April $601,761 $0 $601,761
2015 - March $587,875 $0 $587,875
2015 - February $590,154 $0 $590,154
2015 - January $562,761 $0 $562,761
2014 - December $568,301 $0 $568,301
2014 - November $567,648 $0 $567,648
2014 - October $555,237 $0 $555,237
2014 - September $538,144 $0 $538,144
2014 - August $552,393 $0 $552,393
2014 - July $533,611 $0 $533,611
2014 - June $544,858 $0 $544,858
2014 - May $536,508 $0 $536,508
2014 - April $521,773 $0 $521,773
2014 - March $514,715 $0 $514,715
2014 - February $516,310 $0 $516,310
2014 - January $490,000 $0 $490,000
2013 - December $473,937 $0 $473,937
2013 - November $461,831 $0 $461,831
2013 - October $457,581 $0 $457,581
2013 - September $470,394 $26,000 $444,394
2013 - August $450,432 $26,000 $424,432
2013 - July $455,269 $26,000 $429,269
2013 - June $438,931 $26,000 $412,931
2013 - May $441,049 $26,000 $415,049
2013 - April $433,253 $26,000 $407,253
2013 - March $423,194 $26,000 $397,194
2013 - February $416,859 $26,000 $390,859
2013 - January $409,984 $26,000 $383,984
2012 - December $400,518 $26,000 $374,518
2012 - November $388,836 $26,000 $362,836
2012 - October $385,560 $26,000 $359,560
2012 - September $382,368 $26,000 $356,368
2012 - August $376,601 $26,000 $350,601
2012 - July $369,243 $26,000 $343,243
2012 - June $364,185 $26,000 $338,185
2012 - May $348,862 $26,000 $322,862
2012 - April $360,531 $26,000 $334,531
2012 - March $360,594 $26,000 $334,594
2012 - February $357,275 $26,000 $331,275
2012 - January $346,045 $26,000 $320,045
2011 - December $332,144 $26,000 $306,144
2011 - November $331,392 $26,000 $305,392
2011 - October $324,729 $26,000 $298,729
2011 - September $315,279 $26,000 $289,279
2011 - August $320,042 $26,000 $294,042
2011 - July $333,965 $26,000 $307,965
2011 - June $335,923 $26,000 $309,923
2011 - May $334,656 $26,000 $308,656
2011 - April $332,218 $26,000 $306,218
2011 - March $328,469 $26,000 $302,469
2011 - February $318,754 $26,000 $292,754
2011 - January $315,459 $26,000 $289,459
2010 - December $307,270 $26,000 $281,270
2010 - November $278,005 $0 $278,005
2010 - October $273,433 $0 $273,433
2010 - September $265,492 $0 $265,492
2010 - August $256,860 $0 $256,860
2010 - July $253,282 $0 $253,282
2010 - June $241,191 $0 $241,191
2010 - May $242,701 $0 $242,701
2010 - April $250,210 $0 $250,210
2010 - March $244,611 $0 $244,611
2010 - February $237,901 $0 $237,901
2010 - January $237,239 $0 $237,239
2009 - December $246,890 $0 $246,890
2009 - November $245,296 $0 $245,296
2009 - October $239,314 $0 $239,314
2009 - September $236,725 $0 $236,725
2009 - August $232,068 $0 $232,068
2009 - July $238,254 $10,886 $227,368
2009 - June $231,655 $10,973 $220,682
2009 - May $232,621 $11,075 $221,546
2009 - April $223,535 $11,175 $212,360
2009 - March $219,504 $11,278 $208,226
2009 - February $209,518 $11,374 $198,144
2009 - January $214,652 $11,457 $203,195
2008 - September $214,913 $21,322 $193,591
2008 - August $212,309 $21,568 $190,741
2008 - July $213,204 $21,775 $191,429
2008 - June $208,229 $21,846 $186,383
2008 - May $210,679 $21,852 $188,827
2008 - April $201,410 $21,901 $179,509
2008 - March $172,894 $9,656 $163,238
2007 - November $161,069 $5,815 $155,254
2007 - October $157,790 $4,558 $153,232
2007 - September $148,163 $4,240 $143,923
2007 - August $140,748 $4,004 $136,744