Net worth.

Net worth
I just updated my net worth. It’s roughly at 14K. I am coming close to those under my income bracket. From 145 users, the median net worth is 18K.

I feel really good about this. Like I’m nearing a milestone-Feel REALLY good that HSBC raised their rates to 4.8%. This is one banks that values their customers.

Been rethinking and doing some things
1. I finally set up my health insurance. It took me long enough to get off of my lazy and indecisive ass to choose Blue Shield PPO 4000 & Dental PPO. These plans cost a total of 80 dollars? The Blue Shield PPO has an HSA option, too.

I don’t have any medical conditions and am only concerned about the following: vision, dental, annual exams, random major injuries.

2. I think I want index funds. After seeing my Marketplace fantasy portfolio go up and down, it made me realize that I have no skill predicting good stocks. Besides, it’s too stressful keeping track of the numbers everyday.

3. I set up new budgets that include the following: short-term emergency, long-term emergency, property, portfolio, apple computer, travel, gifts, retirement, tax.

It seems time-consuming and complicated to set up different savings accts for each, but I hope that by creating more specific pockets of savings, I’ll be better at tracking my expenses, progress, and won’t feel guilty over dropping a couple thousand for a computer if I know that I had saved up for it.

Get me off my slacker butt
I’m not going to the gym. Why did I join if I’m not using it? I always have lame excuses like…

• My bf’s not going to the gym, and I want to spend time with him. So, I won’t go to the gym either and we’ll both veg out.
• It’s too late…I have a lot of things I need to do before I sleep.
• If I go to the gym in the morning, it will take too long to get ready for work. Showering and grooming takes longer for women!
• I’m tired. I’m hungry.
• I’ll just go swimming over the weekend.