Archive for the 'Net Worth' Category
Net Worth Statement – September 2 2010 (+0.43%)
Net Worth
Summary
Held just about even this month. Had a devalue of my home on Zillow which accounted for a decent chunk of the negative. I was not able to build up my cash reserves as much as I had hoped – hopefully this month I can focus on that.
Monthly Goals
I need to get my one BOA card paid off as the promo rate on that is going to expire. Also would like to build my cash reserves back up to 18k.
| Aug-10 | Sep-10 | ||||||
| ASSETS | $ DIFF | % DIFF | |||||
| DollarSavingsDirect Savings (1.70% APY) | $16,076.94 | $16,093.24 | |||||
| Schwab Investor Checking (0.75% APY) | $9,931.28 | $8,944.61 | |||||
| CASH TOTAL | $26,008.22 | $25,037.85 | -$970.37 | -3.73% | |||
| Treasury Direct | $2,913.24 | $2,917.64 | |||||
| BONDS TOTAL | $2,913.24 | $2,917.64 | $4.40 | 0.15% | |||
| Ameriprise ROTH IRA (Chuck) | $17,903.78 | $17,997.67 | |||||
| Ameriprise ROTH IRA (Wife) | $1,055.35 | $1,049.73 | |||||
| T. Rowe Price 401K (Chuck) | $64,677.41 | $64,652.69 | |||||
| Vanguard 401K (Wife) | $28,668.22 | $29,205.35 | |||||
| RETIREMENT TOTAL | $112,304.76 | $112,905.44 | $600.68 | 0.53% | |||
| House Value (Zestimate) | $334,500.00 | $333,500.00 | |||||
| Car Value (Edmunds.com) | $6,406.00 | $6,009.00 | |||||
| SUV Value (Edmunds.com) | $22,017.00 | $22,111.00 | |||||
| MISC TOTAL | $362,923.00 | $361,620.00 | -$1,303.00 | -0.36% | |||
| TOTAL ASSETS | $504,149.22 | $502,480.93 | -$1,668.29 | -0.33% | |||
| DEBTS | $ DIFF | % DIFF | |||||
| Citi Mortgage (4.875%) | $259,504.34 | $259,069.41 | |||||
| MORTGAGE TOTAL | $259,504.34 | $259,069.41 | -$434.93 | -0.17% | |||
| AES Student Loan (3.625%) | $1,684.28 | $1,637.61 | |||||
| ACS Student Loan (3.75%) | $1,905.18 | $1,905.18 | |||||
| Great Lakes Student Loan (3.25%) | $42,939.71 | $42,783.84 | |||||
| Honda Financial Services (2.9%) | $9,148.93 | $8,886.28 | |||||
| LOAN TOTAL | $55,678.10 | $55,212.91 | -$465.19 | -0.84% | |||
| BOA MC (0%) | $2,292.11 | $1,263.94 | |||||
| BOA NEA (0%) | $13,023.27 | $12,887.56 | |||||
| BOA NEA 2 (0%) | $14,742.46 | $14,589.11 | |||||
| Citi Upromise (0%) | $9,918.79 | $9,819.75 | |||||
| CREDIT CARD TOTAL | $39,976.63 | $38,560.36 | -$1,416.27 | -3.54% | |||
| TOTAL DEBTS | $355,159.07 | $352,842.68 | -$2,316.39 | -0.65% | |||
| NET WORTH | $148,990.15 | $149,638.25 | $648.10 | 0.43% | |||
Popularity: 1% [?]
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Net Worth Statement – August 2 2010 (+7.98%)
Net Worth
Summary
Finally got back into the positive this month. Most of that was due to a good month in the market which saw our retirement accounts go up over 7%. A nice gain on cash as well but that most likely will be going away next update as we had quite a few home improvement issues come up.
Monthly Goals
Hoping to keep status quo this month. Have quite a few expenses from July that are due mid-month so I am hoping just to stay stable with our cash positions.
| Jul-10 | Aug-10 | ||||||
| ASSETS | $ DIFF | % DIFF | |||||
| DollarSavingsDirect Savings (1.70% APY) | $16,060.66 | $16,076.94 | |||||
| Schwab Investor Checking (0.75% APY) | $7,765.67 | $9,931.28 | |||||
| CASH TOTAL | $23,826.33 | $26,008.22 | $2,181.89 | 9.16% | |||
| Treasury Direct | $2,911.96 | $2,913.24 | |||||
| BONDS TOTAL | $2,911.96 | $2,913.24 | $1.28 | 0.04% | |||
| Ameriprise ROTH IRA (Chuck) | $16,880.26 | $17,903.78 | |||||
| Ameriprise ROTH IRA (Wife) | $1,001.40 | $1,055.35 | |||||
| T. Rowe Price 401K (Chuck) | $60,858.64 | $64,677.41 | |||||
| T. Rowe Price 401K (Wife) | $26,168.90 | $28,668.22 | |||||
| RETIREMENT TOTAL | $104,909.20 | $112,304.76 | $7,395.56 | 7.05% | |||
| House Value (Zestimate) | $334,500.00 | $334,500.00 | |||||
| Car Value (Edmunds.com) | $6,328.00 | $6,406.00 | |||||
| SUV Value (Edmunds.com) | $22,615.00 | $22,017.00 | |||||
| MISC TOTAL | $363,443.00 | $362,923.00 | -$520.00 | -0.14% | |||
| TOTAL ASSETS | $495,090.49 | $504,149.22 | $9,058.73 | -0.61% | |||
| DEBTS | $ DIFF | % DIFF | |||||
| Citi Mortgage (4.875%) | $259,937.51 | $259,504.34 | |||||
| MORTGAGE TOTAL | $259,937.51 | $259,504.34 | -$433.17 | -0.17% | |||
| AES Student Loan (3.625%) | $1,730.98 | $1,684.28 | |||||
| ACS Student Loan (3.75%) | $2,007.77 | $1,905.18 | |||||
| Great Lakes Student Loan (3.25%) | $43,098.99 | $42,939.71 | |||||
| Honda Financial Services (2.9%) | $9,408.59 | $9,148.93 | |||||
| LOAN TOTAL | $56,246.33 | $55,678.10 | -$568.23 | -1.01% | |||
| BOA MC (0%) | $2,873.04 | $2,292.11 | |||||
| BOA NEA (0%) | $13,148.20 | $13,023.27 | |||||
| BOA NEA 2 (0%) | $14,894.16 | $14,742.46 | |||||
| Citi Upromise (0%) | $10,016.07 | $9,918.79 | |||||
| CREDIT CARD TOTAL | $40,931.47 | $39,976.63 | -$954.84 | -2.33% | |||
| TOTAL DEBTS | $357,115.31 | $355,159.07 | -$1,389.90 | -0.39% | |||
| NET WORTH | $137,975.18 | $148,990.15 | $11,014.97 | 7.98% | |||
Popularity: 1% [?]
Net Worth Statement – July 1 2010 (-1.20%)
Net Worth
Summary
Another slightly down month here. Our water heater broke unexpectedly which accounts for the lack of progress so far. It was also a down month in the stock market too which has been the case the last few.
Monthly Goals
Still would like to get a little more padding in our liquid savings. Also have a few home improvement expenses coming up so am hoping to cut back in some other areas to prepare for those.
| Jun-10 | Jul-10 | MONTHLY | MONTHLY | ||||
| ASSETS | $ DIFF | % DIFF | |||||
| DollarSavingsDirect Savings (1.70% APY) | $16,045.90 | $16,060.66 | |||||
| Schwab Investor Checking (0.75% APY) | $9,713.18 | $7,765.67 | |||||
| CASH TOTAL | $25,759.08 | $23,826.33 | -$1,932.75 | -7.50% | |||
| Treasury Direct | $2,911.46 | $2,911.96 | |||||
| BONDS TOTAL | $2,911.46 | $2,911.96 | $0.50 | 0.02% | |||
| Ameriprise ROTH IRA (Chuck) | $17,080.93 | $16,880.26 | |||||
| Ameriprise ROTH IRA (Wife) | $1,038.90 | $1,001.40 | |||||
| T. Rowe Price 401K (Chuck) | $62,825.25 | $60,858.64 | |||||
| T. Rowe Price 401K (Wife) | $25,459.80 | $26,168.90 | |||||
| RETIREMENT TOTAL | $106,404.88 | $104,909.20 | -$1,495.68 | -1.41% | |||
| House Value (Zestimate) | $334,500.00 | $334,500.00 | |||||
| Car Value (Edmunds.com) | $6,485.00 | $6,328.00 | |||||
| SUV Value (Edmunds.com) | $22,093.00 | $22,615.00 | |||||
| MISC TOTAL | $363,078.00 | $363,443.00 | $365.00 | 0.10% | |||
| TOTAL ASSETS | $498,153.42 | $495,090.49 | -$3,062.93 | -0.61% | |||
| DEBTS | $ DIFF | % DIFF | |||||
| Citi Mortgage (4.875%) | $260,368.93 | $259,937.51 | |||||
| MORTGAGE TOTAL | $260,368.93 | $259,937.51 | -$431.42 | -0.17% | |||
| AES Student Loan (3.625%) | $1,869.82 | $1,730.98 | |||||
| ACS Student Loan (3.75%) | $2,007.77 | $2,007.77 | |||||
| Great Lakes Student Loan (3.25%) | $43,253.98 | $43,098.99 | |||||
| Honda Financial Services (2.9%) | $9,668.34 | $9,408.59 | |||||
| LOAN TOTAL | $56,799.91 | $56,246.33 | -$553.58 | -0.97% | |||
| BOA MC (0%) | $2,903.78 | $2,873.04 | |||||
| BOA NEA (0%) | $13,280.12 | $13,148.20 | |||||
| BOA NEA 2 (0%) | $15,033.40 | $14,894.16 | |||||
| Citi Upromise (0%) | $10,119.07 | $10,016.07 | |||||
| CREDIT CARD TOTAL | $41,336.37 | $40,931.47 | -$404.90 | -0.98% | |||
| TOTAL DEBTS | $358,505.21 | $357,115.31 | -$1,389.90 | -0.39% | |||
| NET WORTH | $139,648.21 | $137,975.18 | -$1,673.03 | -1.20% | |||
Popularity: 1% [?]
Net Worth Statement – June 1 2010 (-3.21%)
Net Worth
Summary
Pretty bad month in the market which accounted for my net worth downfall. Our retirement accounts went down 6.78% in May. Personally I’m not really too concerned about that.
I was able to put some money in our savings account, but overall the rest of our accounts were pretty much stagnant.
Monthly Goals
We went on our yearly vacation last month so there will be some bills to pay off from that. I am hoping to keep expenses down this month to account for that. I would also like to build up our liquid savings a little more over the next month or 2.
| May-10 | Jun-10 | ||||||
| INCOME | $ DIFF | % DIFF | |||||
| DollarSavingsDirect Savings (1.70% APY) | $12,630.17 | $16,045.90 | |||||
| Schwab Investor Checking (0.75% APY) | $11,277.80 | $9,713.18 | |||||
| CASH TOTAL | $23,907.97 | $25,759.08 | $1,851.11 | 7.74% | |||
| Treasury Direct | $2,900.54 | $2,911.46 | |||||
| BONDS TOTAL | $2,900.54 | $2,911.46 | $10.92 | 0.38% | |||
| Ameriprise ROTH IRA (Chuck) | $18,223.48 | $17,080.93 | |||||
| Ameriprise ROTH IRA (Wife) | $1,110.45 | $1,038.90 | |||||
| T. Rowe Price 401K (Chuck) | $68,038.35 | $62,825.25 | |||||
| T. Rowe Price 401K (Wife) | $26,774.19 | $25,459.80 | |||||
| RETIREMENT TOTAL | $114,146.47 | $106,404.88 | -$7,741.59 | -6.78% | |||
| House Value (Zestimate) | $334,500.00 | $334,500.00 | |||||
| Car Value (Edmunds.com) | $6,595.00 | $6,485.00 | |||||
| SUV Value (Edmunds.com) | $22,517.00 | $22,093.00 | |||||
| MISC TOTAL | $363,612.00 | $363,078.00 | -$534.00 | -0.15% | |||
| TOTAL ASSETS | $504,566.98 | $498,153.42 | -$6,413.56 | -1.27% | |||
| DEBTS | $ DIFF | % DIFF | |||||
| Citi Mortgage (4.875%) | $260,798.61 | $260,368.93 | |||||
| MORTGAGE TOTAL | $260,798.61 | $260,368.93 | -$429.68 | -0.16% | |||
| AES Student Loan (3.625%) | $1,869.82 | $1,869.82 | |||||
| ACS Student Loan (3.75%) | $2,007.77 | $2,007.77 | |||||
| Great Lakes Student Loan (3.25%) | $43,412.41 | $43,253.98 | |||||
| Honda Financial Services (2.9%) | $9,930.55 | $9,668.34 | |||||
| LOAN TOTAL | $57,220.55 | $56,799.91 | -$420.64 | -0.74% | |||
| BOA MC (0%) | $3,441.27 | $2,903.78 | |||||
| BOA NEA (0%) | $13,417.16 | $13,280.12 | |||||
| BOA NEA 2 (0%) | $15,191.80 | $15,033.40 | |||||
| Citi Upromise (0%) | $10,217.76 | $10,119.07 | |||||
| CREDIT CARD TOTAL | $42,267.99 | $41,336.37 | -$931.62 | -2.20% | |||
| TOTAL DEBTS | $360,287.15 | $358,505.21 | -$1,781.94 | -0.49% | |||
| NET WORTH | $144,279.83 | $139,648.21 | -$4,631.62 | -3.21% | |||
Popularity: 1% [?]
Net Worth Statement – May 3 2010 (+3.20%)
Net Worth
Summary
In case anyone was wondering, yes I did finally do my taxes before the April 15th deadline. It turned out to be just as difficult as I was dreading. Luckily I was able to get it all done this year so hopefully next year will be much easier.
I had a couple large payments due this month that I had to dip into my savings for to make sure I had enough to cover. I am ready to transfer that money back into my savings now. I will still not be at my $18k goal though.
Monthly Goals
I am going to focus on increasing my savings as much as possible this month.
| Apr-10 | May-10 | ||||||
| ASSETS | $ DIFF | % DIFF | |||||
| DollarSavingsDirect Savings (1.70% APY) | $16,115.28 | $12,630.17 | |||||
| Schwab Investor Checking (0.75% APY) | $7,598.04 | $11,277.80 | |||||
| CASH TOTAL | $23,713.32 | $23,907.97 | $194.65 | 0.82% | |||
| Treasury Direct | $2,879.40 | $2,900.54 | |||||
| BONDS TOTAL | $2,879.40 | $2,900.54 | $21.14 | 0.73% | |||
| Ameriprise ROTH IRA (Chuck) | $18,259.00 | $18,223.48 | |||||
| Ameriprise ROTH IRA (Wife) | $1,104.86 | $1,110.45 | |||||
| T. Rowe Price 401K (Chuck) | $66,912.73 | $68,038.35 | |||||
| T. Rowe Price 401K (Wife) | $25,474.04 | $26,774.19 | |||||
| RETIREMENT TOTAL | $111,750.63 | $114,146.47 | $2,395.84 | 2.14% | |||
| House Value (Zestimate) | $334,500.00 | $334,500.00 | |||||
| Car Value (Edmunds.com) | $6,373.00 | $6,595.00 | |||||
| SUV Value (Edmunds.com) | $22,635.00 | $22,517.00 | |||||
| MISC TOTAL | $363,508.00 | $363,612.00 | $104.00 | 0.03% | |||
| TOTAL ASSETS | $501,851.35 | $504,566.98 | $2,715.63 | 1.59% | |||
| DEBTS | $ DIFF | % DIFF | |||||
| Citi Mortgage (4.875%) | $261,226.55 | $260,798.61 | |||||
| MORTGAGE TOTAL | $261,226.55 | $260,798.61 | -$427.94 | -0.16% | |||
| AES Student Loan (3.625%) | $1,869.82 | $1,869.82 | |||||
| ACS Student Loan (3.75%) | $2,109.10 | $2,007.77 | |||||
| Great Lakes Student Loan (3.25%) | $43,566.57 | $43,412.41 | |||||
| Honda Financial Services (2.9%) | $10,188.54 | $9,930.55 | |||||
| LOAN TOTAL | $57,734.03 | $57,220.55 | -$513.48 | -0.89% | |||
| BOA MC (0%) | $3,880.97 | $3,441.27 | |||||
| BOA NEA (0%) | $13,546.24 | $13,417.16 | |||||
| BOA NEA 2 (0%) | $15,341.31 | $15,191.80 | |||||
| Citi Upromise (0%) | $10,317.25 | $10,217.76 | |||||
| CREDIT CARD TOTAL | $43,085.77 | $42,267.99 | -$817.78 | -1.90% | |||
| TOTAL DEBTS | $362,046.35 | $360,287.15 | -$1,759.20 | -0.49% | |||
| NET WORTH | $139,805.00 | $144,279.83 | $4,474.83 | 3.20% | |||
Popularity: 1% [?]
Net Worth Statement – April 2 2010 (+7.02%)
Net Worth
Summary
Had a great month in the market which accounted for most of the gains in my net worth this month. My company also reinstated some of our 401k match which is great news, so I increased my contributions up to the match amount.
Everything else was pretty stagnant.
Monthly Goals
Call it laziness, but I still have not finished our taxes. It has proven to be pretty difficult this year and I admit I have been pretty apathetic to the whole process. Unfortunately most of it is prep work so I can’t even really pay a pro to do that (or if I did it would probably cost a fortune). Obviously I need to finish those this month.
I also would like to get my cash reserves back up to $18,000. Not quite sure that I am going to make it this month though.
| Mar-10 | Apr-10 | ||||||
| ASSETS | $ DIFF | % DIFF | |||||
| DollarSavingsDirect Savings (1.70% APY) | $16,098.09 | $16,115.28 | |||||
| Schwab Investor Checking (0.75% APY) | $8,692.40 | $7,598.04 | |||||
| CASH TOTAL | $24,790.49 | $23,713.32 | -$1,077.17 | -4.35% | |||
| Treasury Direct | $2,864.70 | $2,879.40 | |||||
| BONDS TOTAL | $2,864.70 | $2,879.40 | $14.70 | 0.51% | |||
| Ameriprise ROTH IRA (Chuck) | $17,250.18 | $18,259.00 | |||||
| Ameriprise ROTH IRA (Wife) | $1,092.02 | $1,104.86 | |||||
| T. Rowe Price 401K (Chuck) | $61,888.66 | $66,912.73 | |||||
| T. Rowe Price 401K (Wife) | $22,874.04 | $25,474.04 | |||||
| RETIREMENT TOTAL | $103,104.90 | $111,750.63 | $8,645.73 | 8.39% | |||
| House Value (Zestimate) | $334,500.00 | $334,500.00 | |||||
| Car Value (Edmunds.com) | $6,319.00 | $6,373.00 | |||||
| SUV Value (Edmunds.com) | $22,408.00 | $22,635.00 | |||||
| MISC TOTAL | $363,227.00 | $363,508.00 | $281.00 | 0.08% | |||
| TOTAL ASSETS | $493,987.09 | $501,851.35 | $7,864.26 | 1.59% | |||
| DEBTS | $ DIFF | % DIFF | |||||
| Citi Mortgage (4.875%) | $261,652.76 | $261,226.55 | |||||
| MORTGAGE TOTAL | $261,652.76 | $261,226.55 | -$426.21 | -0.16% | |||
| AES Student Loan (3.625%) | $1,916.34 | $1,869.82 | |||||
| ACS Student Loan (3.75%) | $2,109.10 | $2,109.10 | |||||
| Great Lakes Student Loan (3.25%) | $43,700.87 | $43,566.57 | |||||
| Honda Financial Services (2.9%) | $10,444.43 | $10,188.54 | |||||
| LOAN TOTAL | $58,170.74 | $57,734.03 | -$436.71 | -0.75% | |||
| BOA MC (0%) | $3,927.74 | $3,880.97 | |||||
| BOA NEA (0%) | $13,682.58 | $13,546.24 | |||||
| BOA NEA 2 (0%) | $15,492.28 | $15,341.31 | |||||
| Citi Upromise (0%) | $10,420.66 | $10,317.25 | |||||
| CREDIT CARD TOTAL | $43,523.26 | $43,085.77 | -$437.49 | -1.01% | |||
| TOTAL DEBTS | $363,346.76 | $362,046.35 | -$1,300.41 | -0.36% | |||
| NET WORTH | $130,640.33 | $139,805.00 | $9,164.67 | 7.02% | |||
Popularity: 2% [?]
Net Worth Statement – March 2 2010 (6.79%)
Net Worth
Summary
Made some progress this month towards increasing our cash reserves as well as bringing down the credit cards. Was also helped by an increase in our retirement accounts.
I also closed out my HSBC Savings account which I haven’t used in a few years. I had a free checking account for quite some time with them and they sent me a notice that they were going to start charging a $3 monthly service charge on it – so I promptly closed it.
Monthly Goals
Finish my taxes is priority number one. It has been slow going as I sold a bunch of individual stocks so need to figure out the cost basis for those.
| Mar-10 | ||||||
| ASSETS | $ DIFF | % DIFF | ||||
| HSBC Savings Account (1.45% APY) | $0.00 | |||||
| DollarSavingsDirect Savings (1.70% APY) | $16,098.09 | |||||
| Schwab Investor Checking (0.75% APY) | $8,692.40 | |||||
| CASH TOTAL | $24,790.49 | $2,126.65 | 9.38% | |||
| Treasury Direct | $2,864.70 | |||||
| BONDS TOTAL | $2,864.70 | $4.02 | 0.14% | |||
| Ameriprise ROTH IRA (Chuck) | $17,250.18 | |||||
| Ameriprise ROTH IRA (Wife) | $1,092.02 | |||||
| T. Rowe Price 401K (Chuck) | $61,888.66 | |||||
| T. Rowe Price 401K (Wife) | $22,874.04 | |||||
| RETIREMENT TOTAL | $103,104.90 | $3,534.64 | 3.55% | |||
| House Value (Zestimate) | $334,500.00 | |||||
| Car Value (Edmunds.com) | $6,319.00 | |||||
| SUV Value (Edmunds.com) | $22,408.00 | |||||
| MISC TOTAL | $363,227.00 | $3.00 | 0.00% | |||
| TOTAL ASSETS | $493,987.09 | $5,668.31 | 1.16% | |||
| DEBTS | $ DIFF | % DIFF | ||||
| Citi Mortgage (4.875%) | $261,652.76 | |||||
| MORTGAGE TOTAL | $261,652.76 | -$847.24 | -0.32% | |||
| AES Student Loan (3.625%) | $1,916.34 | |||||
| ACS Student Loan (3.75%) | $2,109.10 | |||||
| Great Lakes Student Loan (3.25%) | $43,700.87 | |||||
| Honda Financial Services | $10,444.43 | |||||
| LOAN TOTAL | $58,170.74 | -$305.45 | -0.52% | |||
| BOA MC (0%) | $3,927.74 | |||||
| BOA NEA (0%) | $13,682.58 | |||||
| BOA NEA 2 (0%) | $15,492.28 | |||||
| Citi Upromise (0%) | $10,420.66 | |||||
| CREDIT CARD TOTAL | $43,523.26 | -$1,484.73 | -3.30% | |||
| TOTAL DEBTS | $363,346.76 | -$2,637.42 | -0.72% | |||
| NET WORTH | $130,640.33 | $8,305.73 | 6.79% | |||
Popularity: 2% [?]
Net Worth Statement – February 1 2010 (-2.22%)
Net Worth
Summary
Not much happened this month. Was able to pay a little towards my credit cards, but the drop in net worth is due to losses in the stock market which took a bite out of our 401k accounts.
My tax documentation also has started rolling in so I can begin that journey shortly.
Monthly Goals
I am slowly trying to build the savings account back up to $18,000. Also hoping to get my credit card debt down as much as possible as well.
| Feb-10 | ||||||
| ASSETS | $ DIFF | % DIFF | ||||
| HSBC Savings Account (1.45% APY) | $283.75 | |||||
| DollarSavingsDirect Savings (1.70% APY) | $16,080.59 | |||||
| Schwab Investor Checking (0.75% APY) | $6,299.50 | |||||
| CASH TOTAL | $22,663.84 | -$1,336.74 | -5.57% | |||
| Treasury Direct | $2,860.68 | |||||
| BONDS TOTAL | $2,860.68 | $0.52 | 0.02% | |||
| Ameriprise ROTH IRA (Chuck) | $17,046.73 | |||||
| Ameriprise ROTH IRA (Wife) | $1,092.00 | |||||
| T. Rowe Price 401K (Chuck) | $60,030.65 | |||||
| T. Rowe Price 401K (Wife) | $21,400.88 | |||||
| RETIREMENT TOTAL | $99,570.26 | -$2,903.47 | -2.83% | |||
| House Value (Zestimate) | $334,500.00 | |||||
| Car Value (Edmunds.com) | $6,316.00 | |||||
| SUV Value (Edmunds.com) | $22,408.00 | |||||
| MISC TOTAL | $363,224.00 | $519.00 | -0.03% | |||
| TOTAL ASSETS | $488,318.78 | -$3,720.69 | -0.76% | |||
| DEBTS | $ DIFF | % DIFF | ||||
| Citi Mortgage (4.875%) | $262,500.00 | |||||
| MORTGAGE TOTAL | $262,500.00 | $0.00 | 0.00% | |||
| AES Student Loan (3.625%) | $1,962.10 | |||||
| ACS Student Loan (3.75%) | $2,109.10 | |||||
| Great Lakes Student Loan (3.25%) | $43,700.87 | |||||
| Honda Financial Services | $10,704.12 | |||||
| LOAN TOTAL | $58,476.19 | $70.95 | 0.12% | |||
| BOA MC (0%) | $4,990.14 | |||||
| BOA NEA (0%) | $13,822.95 | |||||
| BOA NEA 2 (0%) | $15,658.62 | |||||
| Citi Upromise (0%) | $10,536.28 | |||||
| CREDIT CARD TOTAL | $45,007.99 | -$1,008.17 | -2.19% | |||
| TOTAL DEBTS | $365,984.18 | -$937.22 | -0.26% | |||
| NET WORTH | $122,334.60 | -$2,783.47 | -2.22% | |||
Popularity: 3% [?]
Net Worth Statement – December 1 2009 (-2.00%)
Net Worth
Summary
Well my cash reserves finally took a hit from the large school tax bill I paid the previous month. We also took a big hit from the value of our SUV – I think I did not input the specs in correctly last month as that number seemed high to me, so hopefully its correct going forward.
On the plus side, I was finally able to refinance our home loan down to 4.875% thought it does not take effect until next month. Pretty happy about that since our rate was probably about the highest it had been in the last 6 years or so.
Monthly Goals
Rebuild the cash reserves. They are much lower than I am comfortable with right now. Would also be nice to keep the holiday shopping under control.
| Dec-09 | ||||||
| ASSETS | $ DIFF | % DIFF | ||||
| HSBC Savings Account (1.45% APY) | $145.58 | |||||
| DollarSavingsDirect Savings (1.70% APY) | $10,643.93 | |||||
| Schwab Investor Checking (0.75% APY) | $8,285.91 | |||||
| CASH TOTAL | $19,075.42 | -$3,581.41 | -15.81% | |||
| Treasury Direct | $2,860.04 | |||||
| BONDS TOTAL | $2,860.04 | $9.60 | 0.34% | |||
| Ameriprise ROTH IRA (Chuck) | $17,371.86 | |||||
| Ameriprise ROTH IRA (Wife) | $841.95 | |||||
| T. Rowe Price 401K (Chuck) | $60,156.68 | |||||
| T. Rowe Price 401K (Wife) | $18,904.00 | |||||
| RETIREMENT TOTAL | $97,274.49 | $3,454.59 | 3.68% | |||
| House Value (Zestimate) | $334,500.00 | |||||
| Car Value (Edmunds.com) | $6,679.00 | |||||
| SUV Value (Edmunds.com) | $21,651.00 | |||||
| MISC TOTAL | $362,830.00 | -$3,295.00 | -0.90% | |||
| TOTAL ASSETS | $482,039.95 | -$3,412.22 | -0.70% | |||
| DEBTS | $ DIFF | % DIFF | ||||
| Countrywide Mortgage(6.75%) | $254,548.53 | |||||
| MORTGAGE TOTAL | $254,548.53 | $0.00 | 0.00% | |||
| AES Student Loan (3.625%) | $2,144.09 | |||||
| ACS Student Loan (3.75%) | $2,209.18 | |||||
| Great Lakes Student Loan (3.25%) | $43,417.56 | |||||
| Honda Financial Services | $11,212.44 | |||||
| LOAN TOTAL | $58,983.27 | -$707.82 | -1.19% | |||
| BOA MC (0%) | $6,828.40 | |||||
| BOA NEA (0%) | $14,099.36 | |||||
| BOA NEA 2 (0%) | $15,967.70 | |||||
| Citi Upromise (0%) | $10,735.85 | |||||
| CREDIT CARD TOTAL | $47,631.31 | -$233.23 | -0.49% | |||
| TOTAL DEBTS | $361,163.11 | -$941.05 | -0.26% | |||
| NET WORTH | $120,876.84 | -$2,471.17 | -2.00% | |||
Popularity: 3% [?]
Net Worth Statement – November 4 2009 (+4.51%)
Net Worth
Summary
I was happy to see the net worth go up this month. Had a pretty hefty school tax bill which caused the cash reserves to dip a little bit. Luckily our 401ks went up a bit, and the Zestimate of our home as well thanks to a couple strong sales in the neighborhood.
What I didn’t do was pay down much credit card balance which will be going out of 0% very soon. I have been looking for other cards to transfer them to but so far it has come up empty.
Monthly Goals
My refinance should go through this month so I will have a bit of a payment on that for the closing costs. It will bring my rate down to 4.875% though so I think it is definitely worth it in the long run.
| Nov-09 | ||||||
| ASSETS | $ DIFF | % DIFF | ||||
| HSBC Savings Account (1.45% APY) | $145.41 | |||||
| DollarSavingsDirect Savings (1.70% APY) | $16,126.77 | |||||
| Schwab Investor Checking (0.75% APY) | $6,384.65 | |||||
| CASH TOTAL | $22,656.83 | -$3,021.23 | -11.77% | |||
| Treasury Direct | $2,850.44 | |||||
| BONDS TOTAL | $2,850.44 | $20.00 | 0.71% | |||
| Ameriprise ROTH IRA (Chuck) | $16,556.31 | |||||
| Ameriprise ROTH IRA (Wife) | $841.94 | |||||
| T. Rowe Price 401K (Chuck) | $58,120.53 | |||||
| T. Rowe Price 401K (Wife) | $18,301.12 | |||||
| RETIREMENT TOTAL | $93,819.90 | $1,283.51 | 1.39% | |||
| House Value (Zestimate) | $334,500.00 | |||||
| Car Value (Edmunds.com) | $6,749.00 | |||||
| SUV Value (Edmunds.com) | $24,876.00 | |||||
| MISC TOTAL | $366,125.00 | $5,329.00 | 1.48% | |||
| TOTAL ASSETS | $485,452.17 | $3,611.28 | 0.75% | |||
| DEBTS | $ DIFF | % DIFF | ||||
| Countrywide Mortgage(6.75%) | $254,548.53 | |||||
| MORTGAGE TOTAL | $254,548.53 | -$526.62 | -0.21% | |||
| AES Student Loan (3.625%) | $2,209.18 | |||||
| ACS Student Loan (3.75%) | $2,308.02 | |||||
| Great Lakes Student Loan (3.25%) | $43,701.56 | |||||
| Honda Financial Services | $11,472.33 | |||||
| LOAN TOTAL | $59,691.09 | -$399.14 | -0.66% | |||
| BOA MC (0%) | $6,903.38 | |||||
| BOA NEA (0%) | $14,247.95 | |||||
| BOA NEA 2 (0%) | $15,858.37 | |||||
| Citi Upromise (0%) | $10,854.84 | |||||
| CREDIT CARD TOTAL | $47,864.54 | -$780.87 | -1.61% | |||
| TOTAL DEBTS | $362,104.16 | -$1,706.63 | -0.47% | |||
| NET WORTH | $123,348.01 | $5,317.91 | 4.51% | |||
Popularity: 3% [?]
Net Worth Statement – October 2 2009 (-25.01%)
Net Worth
Summary
My net worth for this month is a complete rewrite. I decided to include a couple other figured that are my wife’s into our combined net worth which caused quite a crash – mainly her graduate school student loan. We also financed a new (used) car so that loan and car value is now included on my net worth.
Pretty much feels like I’m starting from scratch at this point, but I’m obviously keeping all the history to compare to the past.
Monthly Goals
Rebuild my cash reserves after paying my school taxes – I mailed the check but they haven’t cashed it yet so its not reflected in this months net worth. Also need to continue to make progress on paying down our credit cards, I stalled a bit on that this month.
| Oct-09 | ||||||
| ASSETS | $ DIFF | % DIFF | ||||
| HSBC Savings Account (1.45% APY) | $145.25 | |||||
| DollarSavingsDirect Savings (1.70% APY) | $16,104.22 | |||||
| Schwab Investor Checking (0.75% APY) | $9,428.59 | |||||
| CASH TOTAL | $25,678.06 | -$523.19 | -2.00% | |||
| Treasury Direct | $2,830.44 | |||||
| BONDS TOTAL | $2,830.44 | $18.58 | 0.66% | |||
| Ameriprise ROTH IRA (Chuck) | $16,419.48 | |||||
| Ameriprise ROTH IRA (Wife) | $841.92 | |||||
| T. Rowe Price 401K (Chuck) | $57,853.56 | |||||
| T. Rowe Price 401K (Wife) | $17,421.43 | |||||
| RETIREMENT TOTAL | $92,536.39 | $20,054.79 | 27.67% | |||
| House Value (Zestimate) | $331,500.00 | |||||
| Car Value (Edmunds.com) | $6,868.00 | |||||
| SUV Value (Edmunds.com) | $22,428.00 | |||||
| MISC TOTAL | $360,796.00 | $14,473.00 | 4.18% | |||
| TOTAL ASSETS | $481,840.89 | $34,023.18 | 7.60% | |||
| DEBTS | $ DIFF | % DIFF | ||||
| Countrywide Mortgage(6.75%) | $255,075.15 | |||||
| MORTGAGE TOTAL | $255,075.15 | -$523.67 | -0.20% | |||
| AES Student Loan (3.625%) | $2,189.10 | |||||
| ACS Student Loan (3.75%) | $2,308.02 | |||||
| Great Lakes Student Loan (3.25%) | $43,870.78 | |||||
| Honda Financial Services | $11,722.33 | |||||
| LOAN TOTAL | $60,090.23 | $57,901.13 | 2644.97% | |||
| BOA MC (0%) | $6,977.72 | |||||
| BOA NEA (0%) | $14,398.24 | |||||
| BOA NEA 2 (0%) | $16,302.50 | |||||
| Citi Upromise (0%) | $10,966.95 | |||||
| CREDIT CARD TOTAL | $48,645.41 | $16,000.32 | 49.01% | |||
| TOTAL DEBTS | $363,810.79 | $73,377.78 | 25.26% | |||
| NET WORTH | $118,030.10 | -$39,354.60 | -25.01% | |||
Popularity: 4% [?]
Net Worth Statement – September 1 2009 (+3.26%)
Net Worth
Summary
Hard to believe its September already, the summer has flown by!
This month I was able to further pay down some of our credit cards while holding the savings pretty steady. My 401k also did pretty well which helped my net worth out.
As part of my ongoing project to simplify our finances I have switched my various ROTH accounts to Ameriprise. This eventually should help me reduce the amount of information I have to sift through on a weekly basis.
Monthly Goals
Pay off some more credit cards whose 0% term will be expiring soon.
Also, I have to seriously consider refinancing. I have been playing the waiting game but the rates have held pretty steady for the last few months. Even if I can’t get in at my goal of under 5% (with no points / low fees) I still will be saving enough at 5.25% to make it worthwhile.
| Sep-09 | ||||||
| ASSETS | $ DIFF | % DIFF | ||||
| HSBC Savings Account (1.45% APY) | $145.08 | |||||
| DollarSavingsDirect Savings (1.70% APY) | $18,079.43 | |||||
| Schwab Investor Checking (0.75% APY) | $7,976.74 | |||||
| CASH TOTAL | $26,201.25 | -$212.59 | -0.80% | |||
| Treasury Direct | $2,811.86 | |||||
| BONDS TOTAL | $2,811.86 | $0.00 | 0.00% | |||
| Vanguard ROTH IRA | $0.00 | |||||
| Scottrade ROTH IRA | $0.00 | |||||
| Ameriprise ROTH IRA | $16,078.02 | |||||
| T. Rowe Price 401K | $56,403.58 | |||||
| RETIREMENT TOTAL | $72,481.60 | $2,565.10 | 3.67% | |||
| House Value | $339,500.00 | |||||
| Car Value (Edmunds.com) | $6,823.00 | |||||
| MISC TOTAL | $346,323.00 | $14.00 | 0.00% | |||
| TOTAL ASSETS | $447,817.71 | $2,366.51 | 0.53% | |||
| DEBTS | $ DIFF | % DIFF | ||||
| Countrywide Mortgage(6.75%) | $255,598.82 | |||||
| MORTGAGE TOTAL | $255,598.82 | -$520.74 | -0.20% | |||
| AES Student Loan (3.625%) | $2,189.10 | |||||
| LOAN TOTAL | $2,189.10 | -$44.86 | -2.01% | |||
| BOA MC (0%) | $7,049.64 | |||||
| BOA NEA (0%) | $14,529.98 | |||||
| Citi Upromise (0%) | $11,065.47 | |||||
| CREDIT CARD TOTAL | $32,645.09 | -$2,042.45 | -5.89% | |||
| TOTAL DEBTS | $290,433.01 | -$2,608.05 | -2.01% | |||
| NET WORTH | $157,384.70 | $4,974.56 | 3.26% | |||
Popularity: 4% [?]
Net Worth Statement – August 3 2009 (+2.98%)
Net Worth
Summary
It has been a pretty slow month financially for me. I started paying off some of my expiring 0% credit card offers. I also was able to reduce my homeowners insurance by shopping around which freed up some extra cash.
Monthly Goals
Pay off some more credit cards whose 0% term will be expiring soon.
| Aug-09 | ||||||
| ASSETS | $ DIFF | % DIFF | ||||
| HSBC Savings Account (2.5% APY) | $21.20 | |||||
| DollarSavingsDirect Savings (3.5% APY) | $18,053.56 | |||||
| Schwab Investor Checking (1.75% APY) | $8,339.08 | |||||
| CASH TOTAL | $26,413.84 | -$5,946.75 | -18.38% | |||
| Misc. Direct Investments | ||||||
| Ameritrade IZone | ||||||
| Zecco | ||||||
| STOCKS TOTAL | $0.00 | 0.00% | ||||
| Treasury Direct | $2,811.86 | |||||
| BONDS TOTAL | $2,811.86 | $0.76 | 0.03% | |||
| Vanguard ROTH IRA | $14,440.91 | |||||
| Scottrade ROTH IRA | $831.51 | |||||
| T. Rowe Price 401K | $54,644.08 | |||||
| RETIREMENT TOTAL | $69,916.50 | $4,854.41 | 7.46% | |||
| House Value | $339,500.00 | |||||
| Car Value (Edmunds.com) | $6,809.00 | |||||
| MISC TOTAL | $346,309.00 | -$497.00 | -0.14% | |||
| TOTAL ASSETS | $445,451.20 | -$1,588.58 | -0.36% | |||
| DEBTS | $ DIFF | % DIFF | ||||
| Countrywide Mortgage(6.75%) | $256,119.56 | |||||
| MORTGAGE TOTAL | $256,119.56 | -$517.82 | -0.20% | |||
| AES Student Loan (3.625%) | $2,233.96 | |||||
| LOAN TOTAL | $2,233.96 | -$44.96 | -1.97% | |||
| BOA MC (0%) | $8,818.28 | |||||
| BOA NEA (0%) | $14,686.87 | |||||
| Bank Atlantic (0%) | $0.00 | |||||
| Citi Upromise (0%) | $11,182.39 | |||||
| CREDIT CARD TOTAL | $34,687.54 | -$5,433.29 | -10.09% | |||
| TOTAL DEBTS | $293,041.06 | -$5,063.11 | -2.01% | |||
| NET WORTH | $152,410.14 | $4,407.49 | 2.98% | |||
Popularity: 4% [?]
Net Worth Statement – July 2 2009 (+1.66%)
Net Worth
Summary
Well, I finally did it. The project I have been talking about for about a year – selling my individual stocks – is complete! Honestly selling them wasn’t the painful part, calculating the capital gains on them will be. I will probably have to dedicate a few days to that.
With the proceeds I was able to rebuild my cash reserves and pay off a credit card whose 0% term expires this month.
Monthly Goals
Pay off some more credit cards whose 0% term will be expiring soon.
| Jul-09 | ||||||
| ASSETS | $ DIFF | % DIFF | ||||
| HSBC Savings Account (2.5% APY) | $21.17 | |||||
| DollarSavingsDirect Savings (3.5% APY) | $18,025.69 | |||||
| Schwab Investor Checking (1.75% APY) | $14,313.73 | |||||
| CASH TOTAL | $32,360.59 | $13,319.69 | 69.95% | |||
| Misc. Direct Investments | $0.00 | |||||
| Ameritrade IZone | $0.00 | |||||
| Zecco | $0.00 | |||||
| STOCKS TOTAL | $0.00 | -$16,616.22 | -100.00% | |||
| Treasury Direct | $2,811.10 | |||||
| BONDS TOTAL | $2,811.10 | $0.14 | 0.00% | |||
| Vanguard ROTH IRA | $13,521.11 | |||||
| Scottrade ROTH IRA | $766.36 | |||||
| T. Rowe Price 401K | $50,774.62 | |||||
| RETIREMENT TOTAL | $65,062.09 | $647.54 | 1.01% | |||
| House Value | $339,500.00 | |||||
| Car Value (Edmunds.com) | $7,306.00 | |||||
| MISC TOTAL | $346,806.00 | $0.00 | 0.00% | |||
| TOTAL ASSETS | $447,039.78 | -$2,648.85 | -0.59% | |||
| DEBTS | $ DIFF | % DIFF | ||||
| Countrywide Mortgage(6.75%) | $256,637.38 | |||||
| MORTGAGE TOTAL | $256,637.38 | -$514.93 | -0.20% | |||
| AES Student Loan (3.625%) | $2,278.92 | |||||
| LOAN TOTAL | $2,278.92 | -$44.57 | -1.92% | |||
| BOA MC (0%) | $13,995.37 | |||||
| BOA NEA (0%) | $14,827.66 | |||||
| Bank Atlantic (0%) | $0.00 | |||||
| Citi Upromise (0%) | $11,297.80 | |||||
| CREDIT CARD TOTAL | $40,120.83 | -$4,503.61 | -10.09% | |||
| TOTAL DEBTS | $299,037.13 | -$5,063.11 | -1.66% | |||
| NET WORTH | $148,002.65 | $2,414.26 | 1.66% | |||
Popularity: 4% [?]
Net Worth Statement – June 1 2009 (+4.13%)
Net Worth
Summary
I didn’t too great on my goal this month of rebuilding my cash reserves. Fortunately the stock market was up so my net worth took a bigger than anticipated jump. Other than that everything else was pretty stagnant.
Monthly Goals
Plan once again this month is I am also going to try to get working on my never ending goal of selling my individual stock accounts. I have said I am going to do this for a year or so, but every time I look at it calculating the cap gain on it turns out to be more work than I feel like undertaking.
| Jun-09 | ||||||
| ASSETS | $ DIFF | % DIFF | ||||
| HSBC Savings Account (1.55% APY) | $212.22 | |||||
| DollarSavingsDirect Savings (2.0% APY) | $11,695.32 | |||||
| Schwab Investor Checking (0.75% APY) | $7,133.36 | |||||
| CASH TOTAL | $19,040.90 | $519.79 | 2.81% | |||
| Misc. Direct Investments | $11,779.16 | |||||
| Ameritrade IZone | $3,224.42 | |||||
| Zecco | $1,612.64 | |||||
| STOCKS TOTAL | $16,616.22 | $374.20 | 2.30% | |||
| Treasury Direct | $2,810.96 | |||||
| BONDS TOTAL | $2,810.96 | $9.68 | 0.35% | |||
| Vanguard ROTH IRA | $13,396.20 | |||||
| Scottrade ROTH IRA | $733.91 | |||||
| T. Rowe Price 401K | $50,284.44 | |||||
| RETIREMENT TOTAL | $64,414.55 | $3,903.36 | 6.45% | |||
| House Value | $339,500.00 | |||||
| Car Value (Edmunds.com) | $7,306.00 | |||||
| MISC TOTAL | $346,806.00 | -$9.00 | 0.00% | |||
| TOTAL ASSETS | $449,688.63 | $4,798.03 | 1.08% | |||
| DEBTS | $ DIFF | % DIFF | ||||
| Countrywide Mortgage(6.75%) | $257,152.31 | |||||
| MORTGAGE TOTAL | $257,152.31 | -$512.05 | -0.20% | |||
| AES Student Loan (3.625%) | $2,323.49 | |||||
| LOAN TOTAL | $2,323.49 | -$44.67 | -1.89% | |||
| BOA MC (0%) | $14,121.61 | |||||
| BOA NEA (0%) | $14,952.32 | |||||
| Bank Atlantic (0%) | $4,148.14 | |||||
| Citi Upromise (0%) | $11,402.37 | |||||
| CREDIT CARD TOTAL | $44,624.44 | -$420.81 | -0.93% | |||
| TOTAL DEBTS | $304,100.24 | -$977.53 | -0.32% | |||
| NET WORTH | $145,588.39 | $5,775.56 | 4.13% | |||
Popularity: 4% [?]
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