It seems like the moment you stop giving thought to Murphy, he sneaks right up on you.

New expenses I need to figure out how to pay for:

1. Replacing windows. $4500
2. Possible hike in HOA dues, for roof and deck replacement. I'm guessing my total cost will be in the $7-10K range.
3. Helping parents out with home renovation. $40,000. Perhaps, $5000 or so every month.
4. This one wasn't unexpected, but another $3300 tuition payment for the GF in March.
5. $3500 in taxes.

At the rate that I'm giving money away, I need to be making closer to $400,000 a year.

On the brighter side, my income shot up significantly in January and I paid off most of my credit card debt. All I'm left with now is $4700 on a 0% card till Dec 2014 and a $130,000 mortgage.


Current net worth excluding house and mortgage - $120,300.

Assets:

Cash - $3300
Roth - $5500
401K - $21700 ($6000 of it is Roth)
Gold - $15000
House - $160,000 (Purchase price - Likely worth more)
Short term trading account (Futures) - $50,000

Liabilities -

CC Debt - $21,500 (0% APR until Sep 2014)
401K Loan - $3000
Mortgage - $130,000

Net worth excluding the house is about $70,000.

I can't seem to go even an hour without thinking about the CC debt. I could pay it off in a week if I really wanted to, but my trading is making me a ton of money. Only $17,000 of it is my principal. I had initially funded the account with $40,000 but have withdrawn some and paid off CC debt (which was used to fund the account). So, I made about an 80% return in 6 months. The plan is to wait and watch what happens in the next 2-3 months and hopefully pay off the CC debt completely.

A couple of more developments I need to take care of, in 2014. The GF is going to grad school and I committed to paying for it till she can get a full-time job. First quarter cost is around $3000 and either $3000 or $6000 every quarter going forward. And a week after committing to this, my sister informed me that she was going to start grad school. I promised a while back that I'd pay for her school but I didn't expect her to start in January. Her grad school is likely going to cost me $10,000 per semester. It looks like I won't be able to save much money in 2014 with all these college costs. After maxing out 401K and Roth, my annual savings are around $30,000 including bonuses.

I'm hoping my trading pays off really well in 2014 because this will likely be my only source of savings in 2014 and possibly even 2015.