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I have picked up a mild net-worth obsession. If mild can be defined as thinking about it at least once a day. Usually, more.
This has probably stemmed from reading a financial book. Many spout the benefits of tracking your net-worth. It’s pretty influential when these folks are enjoying early retirement.
Recently, I calculated my lifetime worth of income and how much I have in liquid assets versus that lifetime of earnings.
The results were depressing.
I am in the top 50% of my age bracket for net-worth wealth but I am far from the top 10%.
I am still not over those results but tracking the progress of my current net-worth has been…fun. Yet, it feels strange to admit that.
After all, I wouldn’t have seen my net-worth go up $6,000 if it hadn’t of been for tracking my progress, saving like it’s going out of style, and doing picking up hobbies that doesn’t involve money.
A BUDGET, SO I DONT FINANCIALLY BUST
I am a strict follower of a budget because I make less than average. I know, I googled it.
Track every dollar down to the cent is my jam.
This is fabulous because it helps me to keep track of what areas I am weak. Mostly, it’s when my spending money turns snobby goes on a spree.
It’s fascinating with a swirl of grotesque to look back over the years and see the progress I have made or in some instances, not made.
SAVING MONEY IS LIKE A COVID-19 VACCINE
My net-worth obsession has a twin flame also born of angst, frustration, uncertainty. Saving. I save, all of my money, like a hoarder. When I’m not wandering the house in sweatpants.
Grocery shopping is a way I save money. I cash in my shopping app monthly and a few low dollar side hustles that accumulates a bit of cash. Because a tiny win is still a win.
Plus, most of my nonperishable goods are purchased online which fits the guidelines of social distancing. It also saves time and energy which is how I prefer to exist.
NATURE IS MY DRUG OF CHOICE
I combat many of my antsy feelings with nature and it’s a great way to decrease my expenses.
I run a trail by my work because it’s convenient and they pay me to workout. It’s also the most scenic trail in town.
On weekend, Mr. BuLL and I go on adventures to the mountains. From snowshoeing a frosted forest to hiking a meandering trail, its where I feel human.
This nature based lifestyle has prevented me from becoming a blubbery mess. Plus, outside of gas and snacks, everything else is paid for in sweat and steps. Free fun is my favorite!
A DOCUMENTARY OF MY WEALTH
A majority of my income is funneled into retirement, savings, or investing accounts. The rest is taxes and cost of living. The fruits of adulting….
To date, August has proved to be the biggest fluctuation in my income. It turns out the market was good for my finances. It was after tabulating the results, that I realized much of my money is tied up to market influenced which explains the big fluctuation.
I have only been doing this for a few months and I am curious to see how things will shift. Hopefully, in the delightfully increasing net-worth direction.
During a pandemic…. think happy thoughts!