I’ve had a couple of days to let Thanksgiving dinner settle and I still feel like a fat (expletive) while I write this. With November ending, that means we are due to check in on my progress for my various goals, both financial and otherwise. November had some disappointments as well as some pleasant surprises. I won’t spoil the details here though. You will just have to actually read the full article for that.
Marathon in every state
Training for Birmingham has been going good with the exception of this past week. Thanksgiving break just derailed my training. I’m not too upset about it though as I was spending time with family and that’s a bit more important to me than getting in a training run. I have plenty of time to get in some make up work outs in.
My curse of the Green Bay marathon seems to be continuing. Every year I decide I want to run the race, something seems to come up and prevent me from doing so. This year I was invited to join my dad and my older brother on a Tiger Cruise. I’m excited to do it but my lack of vacation time will cause me to push back the Green Bay marathon for another year.
For those of you wondering what a Tiger Cruise is, I’ll try to explain it the best I can. It’s a cruise that the navy does. Sailors are allowed to invite one or two individuals (usually family) to join them on the last two days of a ships deployment. The family boards the ship in New York or Florida and spend two days sailing before pulling into naval port in Norfolk. During those two days, demonstrations of how the ships weapons and operations are done for the guests.
I think you can see why I opted to push the marathon back a year. Spending two days on a naval destroyer would be a much cooler experience.
Paying off my student loans
Another month down and another $1050 was put towards my student loans. The only real change this month is I started splitting my payments between two loans. Both are now at ~$5300 and have a 6.8% interest rate. Attacking them at the same time will save me more over the long term versus killing one and then attacking the other.
I put into another $400 this month to inch closer to my goal of having $2500 in the account before the end of the year. I’ll need another $180 to get this done so I shouldn’t have too much difficulty completing this by the end of the year. I had two different notes enter into the grace period temporarily this month. Both made their payments and have since caught up but I’m now starting to see evidence of notes falling behind.
Another interesting event that happened this month was I had a note that was paid in full, 2 years 6 months ahead of schedule. I wound up earning $1.22 on the note. This broke down to a return of 4.9% or if you calculate an annual return it comes out to 14.4%. Not too shabby. I’m really looking forward to after December though because I’ll stop making deposits and we can watch the true return start to settle in.
$0 net worth
This month’s target: -$2,861.00
This month actual: -$519.00
I was about $1,700 ahead of schedule and further increased my lead this month to $2,300. I was really hoping I could celebrate victory this month but it just wasn’t in the cards. I did briefly crack into the positive range on the 25th when payday came around. Then bills were paid and I couldn’t quite keep it above zero by the end of the month cut off date.
Barring a plunge by the stock market, I don’t see any difficulties having this goal done by the end of December. It will be a really great feeling to know I’m actually in the green as far as net worth is concerned. 2014 will bring with it some aggressive goals to try to grow this number further. Until then though, I can sit and watch Santa bring me the gift of a positive net worth. Clearly I’ve been good this year. ^_^