December Net Worth & Spending: +$133,045

For new and existing readers, this is my journey as an anonymous 30-something Australian blogger progressing from -$20,000 net worth in Nov 2016 to financial independence. Scroll to the bottom of the page and hit subscribe to stay posted!


December closes a big year and time to reflect on some major achievements. While financially I have done exceptionally well in a difficult year, my biggest achievement has been my progress on my mental health and self-development.

Some of my biggest achievements this year were:

  • I realigned my own personal values regarding frugality, investment, personal finance with my professional life – a major career achievement for me
  • I left a consumerism-focused role and industry, and as a result, found myself spending less
  • In 2020, I more than doubled by net worth – from $62k in January to $133k net worth in December – an increase of almost $71k. This was a combination of paying off student debt plus increasing my share portfolio and savings.
  • I have rewarded myself generously for big achievements – something I highly encourage as long as it’s saved for in advance and paid in cash.
  • I changed my lifestyle for the better in lockdown, and spent time and money into making home my favourite place to be.
  • I overcame some large personal hurdles and come out the other side a better version of myself.

So… how much did I spend in December? $4,784 (increased +64% from $2,923 last month)

As I was closing up a job in consumer goods, I made the most of the last of my staff discount and stocked up on products for the next year. Shopping on clothes increased and gifts were high as it was the month of Christmas. Spending in the joint account (groceries, household items, utilities) was high as well… something that Mr. Piggybanks and I are working on reducing in 2021.

I admit my personal spending is still high, and it’s something I want to keep working on for 2021, now that I’m finally in the right headspace and right environment. I don’t regret my spending, however, learning to be more conscious of the small expenses which add up.

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What is my net worth? +$133,045 (increased +11% from $119,860 last month)

This is one of the proudest years I have had financially. I have doubled my net worth, reassessed my lifestyle and made conscious decisions to improve. There is a lot of room for improvement, however, compared to 2019 where I hardly saved anything despite a high income, 2020 has been large leap forward in the right direction. Covid lockdowns was the personal finance medicine I needed to shake up my lifestyle choices and spending.

Now that’s enough from me – how was your 2020? How was this year financially and mentally? Did you reach any milestones? Have any proud moments? Comment below!

xx Miss Piggy

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