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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  • Finishing my first full month of ynab and am very happy with my progress. 

    Like 2
  • Hi guys, so im at 67 days for aom and 96 for buffering. So, I guess for my next month I will see if these amounts can be maintained. If so, I'll try to increase it.

    Like 4
  • Update:
    89 age of money
    102 days of buffering

    The number went a bit more up because of the COVID19 lockdown. There was simply no opportunity to spend money :)
    Numbers will go down at the end of April since I'll be paying for the summer plans...

    Like 3
      • Moohouse
      • Software developer
      • Moohouse
      • 4 mths ago
      • 2
      • Reported - view

      Astro_Geo I suspect most of my already paid summer holiday will be spent at home because of the covid-19 lockdown. If so, I hope I'll get a refund. No matter what I end up doing it will be cheaper than my planned boat trip.

      Like 2
      • Astro_Geo
      • astro_geo
      • 4 mths ago
      • 3
      • Reported - view

      Moohouse It's a very weird side effect of this crisis. I have the feeling A LOT of people will stay in the country (Belgium in my case) this summer instead of visiting countries like Greece, Spain, France and certainly Italy.

      My summer plans are mostly a 6-day workshop on bushcrafting (which could still be cancelled, we'll see) and a trip to Spain to visit my in-laws. Both have been payed this morning, we'll see if those plans happen or not in practice. I won't take unnecessary risks, but I'm really looking forward to some real vacation when this whole COVID thing blows over.... 

      Like 3
      • Moohouse
      • Software developer
      • Moohouse
      • 4 mths ago
      • Reported - view

      Astro_Geo I'm planning to join the Tall Ships Races 2020 regatta, which is still not postponed or canceled. But it's probably changing in some way.

      From the south point of Spain (Cadiz) to the northern point (A Coruña - funny coincidence?). Flying via Madrid in July/August. At this point this seems quite unrealistic, but only time will tell. Keeping any social distancing to the other 120-180 trainees and crew on a sailing ship is impossible during most of the day - based on my trip last year with a similar ship. Not getting to visit any other cities along the coast would also be a loss.

      https://sailtraininginternational.org/event/tall-ships-races-2020/

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      • Astro_Geo
      • astro_geo
      • 4 mths ago
      • Reported - view

      Moohouse It's a safe bet to cancel it I guess. Not a good year for trips around the world...

      Like
      • Moohouse
      • Software developer
      • Moohouse
      • 4 mths ago
      • 1
      • Reported - view

      Astro_Geo I'm about 90% sure that I'm already infected with covid-19, and that it has already passed with very light symptoms. After a couple of weeks of various symptoms on the corona checklist I now feel good. It has been impossible to get tested as I'm not in a risk group or hold an important position, so I just have to let this pass. Getting infected isn't what worries me, to be honest. Once I'm symptom free for a week I may see my family again, that's something I look forward to. 🙂

      When covid antibody tests become available here I'll try getting one for sure.

      Like 1
    • Moohouse Glad you're feeling better! I don't think the travel industry will start to really recuperate until next year, but I could be wrong and I hope you're still able to find something fun to enjoy!

      Like 1
  • OK it's that time of month again! 73 days, up from 54 so a 19 day gain.  

    Like 2
  • I'm still in free fall, but that's OK. Moved some money off budget into some small investments, so naturally it drops some more. 🙂

    I'll sell the investments once they reach the value I want, which could take from a year to forever - or never.

    AOM 354 which is -20 since February, -34 since January. I probably won't reach my AOM goal this year either, as it seems COVID-19 blocks most things on my TODO list.

    If I drop days of buffering history lookup from 'all' to '1 year' then DoB drops to 476. Which indicates that I spend a bit more now than I did earlier. 🙂

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

      Moohouse Now that I quit tracking, I hit my all-time high of 360. 🙂When you get to our point, I don't think AOM goals are very useful. Like you said, when you take funds out for investment (a good thing!), it's going to go down. I'm thinking it should stabilize at some point and then hover around that value (+/- some range) going forward. 

      Like 3
      • Moohouse
      • Software developer
      • Moohouse
      • 4 mths ago
      • 2
      • Reported - view

      Superbone Yeah, it's not like I even look at AoM apart from when I track it here. As long as you don't live paycheck-to-paycheck (which I haven't for years) AoM stops having an impact.

      My high score is 404 from back in November last year. 🎉

      Like 2
  • Like 3
  • Well, with such a rough month as March, I thought I would lose ground but I'm up  - even past my own wildest expectations. April 1st (no joke) AOM: 32! That surpasses my original goal for the year of 30. I don't really feel a month ahead at this point so now I have set it for 60.

    Like 4
  • As of March 31st, AOM was 345. I'm now wondering if I'll reach my goal of 365 just before my large account pay offs and have to work my way back up to it for next year. 🤔

    Like 3
  • March 31st...getting there!

    Like 5
  • Since I did my Fresh Start 12/14/2019, with both numbers close to 141

    AoM = EoM 100, range this month has been 69 up to 100,  with fairly consistent progression.

    DoB = EoM 573, This has swung wildly from 563 to 781 going up and down quite a lot during the month.  The high number is slowly going down, as I would expect.

    Like 4
  • I'm at 25 days with AoM. I have a long way to go, but I'm happy that I'm at 25 days right now.

    Like 7
  • AOM 131 (up from 121 last month on this day)

    Like 2
  • Joined YNAB in February. Actually...I used YNAB waaaaayyyyy back for a while, but never could get my money aged. Doing much better now at 18 days.

    Like 3
  • I am late posting my AOM for the end of March which was 22 I made sure to look but just had not had the time to post. I am slowing making my way to 30 :) 

    Like 3
  •  

    end of March

    *fresh start on January 1, 2020

    Like 1
  • 4/15

    AOM: 102

    DOB: 105

    AOM same as last month, DOB up a bit.

    Like 1
      • TechieM2
      • IT Professional and General Geek
      • techiem2
      • 3 mths ago
      • Reported - view

      TechieM2 Correct: DOB 116 (just realized my stimulus hit).

      Like
  • Like 1
  • Aaaaaaand up we go!

    End of May will bring 75% more income than regular months due to vacation bonus and such. That will probably not impact AoM right away, but DoB will be higher. We'll see...

     

     

    Like 1
  • Just joined the Google sheet, thank you for doing this! Pretty cool. :) I've been a YNABer since Feb 2014!

    Like 1
  • I hit my goal! Screenshot included because it was fast and fleeting and I'm not sure when I'll hit it again. All the way up to 371 (goal was 365), but then purchased a rental property and now sitting at 344. This will drop much further after another large expense scheduled for June, but at least I have proof I can get there. 😅

    Like 6
      • Krys
      • I like bacon and sarcasm
      • Krys
      • 3 mths ago
      • 1
      • Reported - view

      Faness Congratulations! That is incredible.

      Like 1
    • Thank you, Krys ! I think I'll make next year's goal to get to and Stay at 365. 😅

      Like 2
      • Krys
      • I like bacon and sarcasm
      • Krys
      • 3 mths ago
      • Reported - view

      Faness I believe you will!

      Like
  • Okey Dokey - 3rd month recording this. Went from 73 to 105 days, I think I'll adjust my target for the year (it's currently 120).

     

     

    Like 1
  • Down to 13 from 21 last month.  I bought a house, moved, and started renovations drawing from my "house closing/reno" category...not sure if that's what dropped me down.  🙄

    Like 1
    • Casual Trooper Congratulations on buying your home! We also bought a house and Age of Money took a hit because of it.

      Like 1
  • Hi Everyone! Reporting on my age of money tonight...  4/30 I have hit my goal of 30 days but I know it won't last forever. I am hanging on to funds at this point for what-if moment occurs...instead of sending extra payments to credit cards... but I received a paycheck from my other job and I can use it to fund some of next month... so that is exciting 😊... hope everyone is doing well. 

    Like 3
  • May 1st Update:

    Sadly my AOM is back to 14 after a high of 32 on April 1st. I paid off all of my credit cards so that may explain it but I also had a bout of frivolous spending while stuck at home.

    But I know that if I can reach it once, I can reach it again. (And yay for being credit card debt-free!)

    My goal for May is to have a very lean no-frills month so I can see what my bare minimum of discretionary expenses are as I am planning on selling my house in the semi-near future and moving to a place where my monthly bills will be a bit higher than what I pay now.

    Hopefully, the added bonus will be to save money and boost my AOM.

    Like 2
      • Alemap
      • Everything should be made as simple as possible, but not simpler -Albert Einstein
      • alemap
      • 3 mths ago
      • Reported - view

      Peripherie , credit card debt was artificially boosting your AOM anyway. Now you have a more accurate number and sky's the limit. Congratulations!

      Like
  • Just started. Updated my AOM.

    I am hoping to be able to pay off lots of my debt and see where it gets me. I have one budget for my money and a separate one for my house funds, so I'm tracking both.

    Like 1
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