The Horizon's Monthly Savings- December 2018

Percent Total Monthly Income Saved: 56.4%

Monthly Contributions:

Tax Advantage Account Savings (401K + employer match, IRA): $4270

Brokerage Account Savings (Vanguard Index Funds, Betterment, Lending Club): $1800

Monthly Piggy Bank Growth: -$10,160

End of Month Percent to Final FI Goal: 17.7%

Percent Mortgage Paid Off: 14.57%

Total Approximate Interest Saved (using amortization tool): $49,552

Monthly Successes:

After our final IRA payment came out, we updated our IRA contribution and our individual brokerage contribution. By updating our contributions early we can hit the ground running in 2019! We also have begun meal prepping our dinners. Our biggest pitfall (as you have read many times) is that we eat fast food pretty consistently. By having our dinners quick and easy to heat up we have noticed that we are much less likely to eat out. Since we began meal prepping dinner we have invested in a crockpot and we are getting our money’s worth out of it!

Monthly Shortcomings:

We stopped tracking our food costs this month due to the odd time that we began tracking (mid-month). We will be picking this back up for all of 2019.


As you know, the markets have been down a bunch this month. This has contributed to our lower percent to goal number. Also Mr. Horizon will be divesting his Lending Club account over the next few years since it has not been performing as expected over the last 3 years. These funds will be moved into a diversified investment portfolio. He will be writing a review on his experience with Lending Club.

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Crossing the Event Horizon