The Horizon's Monthly Savings- November 2018

Percent Total Monthly Income Saved: 54.6%

Monthly Contributions:

Tax Advantage Account Savings (401K + employer match, IRA): $5119

Brokerage Account Savings (Vanguard Index Funds, Betterment, Lending Club): $2200

Monthly Piggy Bank Growth: $9812

End of Month Percent to Final FI Goal: 18.4%

Percent Mortgage Paid Off: 14.01%

Total Approximate Interest Saved (using amortization tool): $48,423

Monthly Successes:

We posted on Instagram earlier in the month that the contribution limits to IRAs and 401ks had increased. We took this as an opportunity to discuss how we would like to adjust our contributions for 2019. We have decided to increase our IRA contribution to the new maximum while keeping the same percentage of our pay for our 401k. With this evaluation we were also decided to increase our contribution to our individual brokerage accounts.

Monthly Shortcomings:

We had ramen noodles on Thanksgiving… The good news is it was after already eating a traditional family Thanksgiving meal earlier with friends and family!


November was a very quiet month. We got to spend time with friends and family which is always nice. No major successes or failures to speak of, we did pay a big chunk on the house which was nice, but not crazy amount like the previous month. We did not get sucked into Black Friday shopping. We were able to find a great deal on a new lawn mower that we needed because Mr. Horizon’s 20-year-old mower finally decided to EXPLODE!

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Crossing the Event Horizon