2018 YEAR END SUMMARY
Ok I’m going to make two separate posts. This first one with numbers and charts, and then another with text about how the year went, how I’m feeling, etc.
Total spending for the year was $16,745. At the end of October, I was on track to spend under $10,000 for the full year. But I spent a lot in the last two months renting a house, buying a motorcycle, and so on.
I’m going to show you almost all the charts I use. I’m sharing these mainly as they may provide ideas for those (thinking of) making charts of their own. I have been showing fewer numbers and charts in my monthly updates over the lat months/years, and I’ll probably show even less in the future. Here they are, all at once.
My charts basically fall within three categories:
- Spending vs. Income
- Net worth tracking
(a note - my investing income/growth numbers are a bit off right now for at least 2017 and 2018.)
Pareto - by year: (this makes sense when including/looking at large infrequent purchases like a motorcycle)
Pareto - monthly averages
By type of spending
How spending has changed over time, by type:
SPEND vs INCOME
Fairly basic spending vs. actual income: (though my realized capital gains/losses aren’t included)
Spending vs. estimated investment income:
Same data as above but shown in a different way
Also showing actual income data here. By not showing individual months, a smaller y-axis scale can be used:
This one shows estimated regular income (dividends and stuff) and also total NW impact of investing - both income and (un)realized capital gains. Can be useful and interesting to see both actual income along with how NW was impacted.
Same thing as above, in a different format:
Spend vs. Income, with a running total of the surplus/deficit:
Same thing but since I retired. Using two axis scales can keep both things viewable.
Same as above, with the spending shown as negative bars, also with some spending data categorization shown.
Net worth, by category, with a retirement target line and my net worth projections I’d made in the past and updated at retirement:
This one shows the values in more categories. Can be useful to see the Roth IRA amount separate from other post-tax investments.
NW in years of spending:
Shown in years to smooth it out:
SWR needed: (suppose this could go in another category)
These are charts that I think can be quite useful in the long run, but (for me, the way I have my data structured), they take more/extra work to make, and they are much more difficult to ensure accuracy and data clarity. For anyone other than me looking at them, these are the most likely to be confusing, misunderstood, and unclear. You really have to know how they work for them to be useful. Looking at them right now, there are some things I’m not even sure about, and some things that may be needed to make them more useful.
Income by source: (well, it’s not income, it’s the income and investment growth side of NW impact. It includes unrealized gains/losses)
Spending, shown by source, with an order of preference (hobby, investment, then income), plus, investment income/growth that was more than spending is also shown:
Same as above, but with the extra investment income/growth shown differently:
Spending along with work income and investment income/growth.