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Been out on a job working in Asia so I haven't updated this for two pay periods so will get the updates. First some photos of travels and job
Shipyard in Singapore
And most fucking important my bank balance went over 16k!!! (I started with only $670 August 1st) I'm fucking proud of myself to save this much on a $14 an hour job. (Even though the way I calculate things I haven't saved 16k yet I'm getting closer to the goal) All the overtime and travel time now is starting to add up. I WILL HIT THIS 20K GOAL NO DOUBT
balance before pay: $11,530.64
saved since Jan 2nd: $1,430.28
spent since jan 2nd: $273.26
bi weekly savings rate: 83.7%
total saved to date: $10,859.95 of total net pay of $$15,689.20
total savings rate: 69.2%
% progress toward 20k goal: 54.3%
Net pay: $1,316.72
Balance after: $12,847.36
Other savings set for 529 account: $524.00 (not included in balance)
balance before pay: $12,808.50
saved since Jan 2nd: $1,277.86
spent since jan 2nd: $38.86
bi weekly savings rate: 97.0%
total saved to date: $12,137.81 of total net pay of $17,005.92
total savings rate: 71.4%
% progress toward 20k goal: 60.7%
Net pay: $2,726.28
Balance after: $15,534.78
Other savings set for 529 account: $524.00 (not included in balance)
Last pay period I saved 97% of my pay because I was living on the ship getting fed for free and working everyday and a lot of overtime. This helps a lot. Plus the overtime, this week I will have worked like 87 or 88 hours since it's paid travel back to the USA. Anyway the sacrifices this year I make will pay off. The money I save I can use to start a business or have greater freedom. Right now it kinda sucks not having much of a life but it will be worth it. The money situation is my biggest insecurity and I'm making progress. I really feel like I can make it in the world more and more of the time. I feel like a MAN because I spend my day doing manly ass shit like banging hammers and lifting heavy shit. I'm in great shape. I exercise all day. AND I'M NEVER DEPRESSED BECAUSE I'M WORKING SO HARD. I literally exercise all day long, feel great after work and feel good. It's like depression isn't part of my life anymore.
I can't say enough how much this job has done for me personally. I know on this forum having a job is kinda a 'bad' thing, and I really think I would like to start a business one day also... but a lot of guys can benefit from getting off of their ass and working. I like this job because I feel like I'm doing the shit my World War II grandpas did. Work hard and take pride in that. Do something that actually NEEDS TO GET DONE and not meaningless corporate cubicle bullshit work.
The only thing that is a fear of mine is getting injured... being 39 I'm a little on the old side for this since most of the guys are young guys. I've been dealing with a little elbow pain but have been toughing it out for now.
Anyway 20k is not that far off... and 30k is a possibility for this year of work by the end of July.
Fucking had a problem with posting this and my message was deleted before I posted. So don't feel like writing up much now. Spent more than normal (put a bunch of money in college savings for my niece) but still am really on track. My account past 17k.
balance before pay: $14,607.18
saved since Jan 30: $1,798.68
spent since jan 30: $927.60
bi weekly savings rate: 66.0%
total saved to date: $13,936.49 of total net pay of $19,732.20
total savings rate: 70.6%
% progress toward 20k goal: 69.7%
Net pay: $2,416.29
Balance after: $17,023.47
Past two weeks in Bahamas and Mexico on a job. Lived on a ship ate on a ship Only Spent $49.43 in two weeks. Real progress. Next week I have to pay rent so it can't always be like this but I don't waste money in port on booze, clothes, hookers, souvenirs and other shit. I am building real financial discipline I will need if/when I start a business.
Overall living on a ship is depressing and I have no life at sea or on dry dock. I think I worked 130 hours in two weeks... But I'm building freedom and sacrificing now for a better future. And getting closer to my goal... My balance is at 19k.... Will have saved 20 k in a paycheck or two.
That will feel good. I started end of July by end of March 20k saved on a $14 an hour job. Starting from the bottom... 39 years old with 670$ and now 20k. It's not a ton of money but it's MY 20k that I got by working and saving and you best believe that if I start a business I will be all in and not waste that shit.
Only dark spot in my life is lack of social life. It sucks no time or energy for chasing girls. Been watching porn from time to time which makes me feel pathetic. I really should go out sometime. I'm hoping after I hit this goal and finish out a year and maybe get 30k that I can have a more normal life and not be working non stop. But if I start a business I'll probably be working non stop. Admittedly sometimes making excuses in social life but it's okay for now. Feeling a little burnt out and will be back at it someday.
Balance before pay: 16,974.04
Saved since February 13: $2,366.86
Spent since February 13: $49.43
Bi weekly savings rate: 98.0%
Total saved to date: $16,303.35 of net pay of $22,148.49
Total savings rate: 73.6%
% progress toward 20k goal: 81.5%
Net pay: $2,383.57
Balance after: $19,357.61
Almost there. Goal in sight. Over 20k in account but haven't technically saved 20k yet. 91% toward goal. On a ship and away from wifi most of the time. All I can write now. Will update more when I hit goal
Already hit 20k goal but I have to stay motivated to finish out until end of July on this job. Truth is I'm already a little burned out and am not as motivated since I hit my goal.
But if I stick with this to July I'll be in an even better place once I start a business and do what's next. Already with jobs on the scehedule I'll have a balance of 30k by end of may. I think it's realistic to have a shot at 33 k by end of July . That's well above initial goal and a really solid year.
• doing some rough math on the business idea I have I think I can start it for 10k to 15k. The extra money I save now will basically cover all of that and I'll still have the original 20k in the bank for safety.
• will post more on the business I want to start but I want to start a business that actually makes money lol ... it's going to be a service based business. All of this discipline from this year will help me to keep expenses low . I have modest expectations for the first year but I think I scan do it. If I go all in like I did this past year I should be good. If I fail I can live with having gave 100%. I'm willing to take thi risk of investing about a third of my money. All I have to do is find customers and go after it.
• in other news I'm a month no porn. I'm proud of this. This actually feels like my number one goal now since saving money is really second nature now. I want to solve the porn problem once and for all. I hate the way it makes me feel. Bad for energy and self esteem . Only exception is I can jerk off to photos of girls I already fucked. That has no negative effect on me. This giving up porn is better for my overall life and sexual health . I'll go into more detail in another post cuz it's an important topic and goal for me. Number one goal until I start a business/do what's next in July. So mark my words . No porn ever. Solve this problem and move on and build high quality life I deserve. That's it for now.
$30,000 is within sight and becoming a reality . Should hit that while out on next job. 25 days at sea so a good opportunity to save money.
Balance before $25,229.58
Spent since April 10: $610.74
Saved sinc April 10: $2,179.80
Bi weekly savings rate: 78.1%
Total saved $24,559.89 of net pay of $32,082.11
Total savings rate: 76.6%
%progress toward 20k goal: 122.8%
Net pay : $1,941.99
Balance after: $27,171.57
I'm keeping going to July then making a change. Not sure what to do... maybe business, maybe sales, maybe go back to Thailand . Probably gonna post on starting a business to get som help so I'm better informed
Edit: looked at my posts... screenshot from feb 13th shows $17k in account... now I'm at $27k April 24th. So my account has gone up 10k in a little over 2 months. Fuck yeah!
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