Age of Money - Twenty-twenty!

Hey, in my variant of English it rhymes!

Starting up the AoM challenge for the new year!

----RULES----

1. Choose a day every month that you will post your AOM to the google spreadsheet (link below). 

Be consistent on the day that you have chosen to post your AOM. (Your metrics will not help you or provide you with useful data if you are not consistent.)

2. Post your AOM.

3. Comment below that you have updated the spreadsheet.

If you want, you may post a screenshot of your AOM. This will be fun and will help keep the thread alive. It's not required however.

4. Try to keep the thread on topic.

Changes to the Spreadsheet.

If you see any minor changes that ought to be made, go ahead and change it.

Cheating

Cheating is posting a number that is not your actual AOM, or changing your number because your AOM increased the following day.

We are following the the honor/honour system. 

You do not need to cheat, but if you do, everyone will ask how you've become so awesome with money and then you'll have to live with yourself. It only hurts you.

https://docs.google.com/spreadsheets/d/1mqceQ-S1F_brlUyQmjplJ6LrclPn-MrwzG6hFDqzMo8/edit?usp=sharing

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  • I hit a new milestone. You won't hear from me again until I break 400. This is what 10+ years of YNABing can do for you. I was negative when I started using YNAB. [Note: There was no AOM when I started but I know how it's calculated.]

     

    Like 8
      • Krys
      • I like bacon and sarcasm
      • Krys
      • 4 wk ago
      • 1
      • Reported - view

      Superbone This is fantastic - congratulations! Must feel incredible to have this kind of security.

      Like 1
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 4 wk ago
      • 3
      • Reported - view

      Krys Thanks. Yes, it does. When I started my YNAB journey, I was living paycheck to paycheck, had loans, no savings, and every month was very tight. I've had an incredible transformation.

      Like 3
      • MsTJ
      • YNAB has given me back my future
      • Believer_in_YNAb
      • 3 wk ago
      • Reported - view

      Superbone Wow.  Those numbers are impressive!

      Like
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 3 wk ago
      • 1
      • Reported - view

      MsTJ Thanks, but I have to admit that I'm cheating in a way. One doesn't normally have their taxable investing account in their budget, but I do. I just love knowing exactly how those dollars are categorized as well versus being in one lump sum that I'd have to track separately in a spreadsheet or something. For example, my next car fund is in there. You need to be able to withstand large market swings in order to do this. I have all my known and unknown expenses covered and then on top of that, I have what I call my Freedom Fund. This category balance dwarfs my next largest category and can absorb large negative swings. It goes both ways from month to month.

      Like 1
  • Back after a long woe-is-me hiatus, but doing well now. 

    AOM goal: 150

    AOM now: 204

    woo!

    Like 5
      • xgirlmama
      • Purple_Griffin
      • 3 wk ago
      • 3
      • Reported - view

      Checking in one day early. October stats AFTER paying mortgage:

       

      AOM: 206

      DOB: 289

      Like 3
      • Krys
      • I like bacon and sarcasm
      • Krys
      • 12 days ago
      • Reported - view

      xgirlmama Wow! Very impressive!

      Like
  • AOM 149 DOB 148

    Like 1
  • Sept 1st AOM: 75! 🤩

    2020 Original Goal: 30

    2020 Stretch Goal: 60

    I am going to keep my goal at 60.  I'm still waiting for the financial fallout of a month of Urgent Care/ER/Ambulance/Hospitalization/Medical Tests/Surgery issues. I am on the mend but am still waiting to see what damage the bills do to my savings. 🤞

    Like 3
  • Oh boy...AOM looks really bad on Sept 30th, BUT...

    I decided to take a big chunk of my savings to pay off my car (no more car payment 🤓) and made my last payment on my only remaining loan that isn't a mortgage.  Afterwards, I did a fresh start, decluttered my categories, and revamped my goals for the extra $1000/mo available to budget.

    I'm looking forward to what should be much faster progress towards my December 2020 goal!

    Like 4
  • So AOM at the end of September is 263 days, and buffering is 849 days.

    Like 6
  • AOM for September 198 so +9 since August. My goal of 250 seems closer but still far off at this rate.

    DOB 345 so +10. Also +10 last month. 🙂

    Like 2
      • Superbone
      • YNAB convert since 2008
      • Superbone
      • 3 wk ago
      • 1
      • Reported - view

      MsTJ It only took me a little over 10 years. 😄

      You WILL get there. I have no doubt!

      Like 1
  • AOM up from 228 and DOB up from 193.

    Like 1
  • At the start of the year, I was hoping for 110 days AOM. It still seems to be going up!

    Although, now that I'm retired, and drawing from my nest egg, the DOB is really that source's buffering. My financial analyst does repeated stress tests, and so far we have seen a DOB of ~infinity at a 99% confidence in bear market simulations.

    Like 2
  • Just found this topic, and thought I'd add my statistics in the spreadsheet. There is a lot of variety I see. AoM is not necessarily a number I focus on much, but it's always nice to see growth :) Started in April 2020 and my AoM rose steadily to 89. In september I did a mini clean-up of my budget and now I'm back to 32 (Oh, and we had two big expenses on our house bankaccount).  

    Like 1
  • October:

    AOM 107

    DOB 94

    That will probably drop a bit when my last big camera gear credit card statement pays in a few days and when I crush the rest of the car loan...hah!

    Like 3
  • My new record. 411 but I don't need assistance. 😉You won't see me again in here until I surpass 500.

     

    YNABing since 2008.

    Like 1
      • Krys
      • I like bacon and sarcasm
      • Krys
      • 22 hrs ago
      • 1
      • Reported - view

      Superbone Congrats on the milestone! See you at 500!

      Like 1
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