Archive for the 'Net Worth' Category

Taxable Accounts:

$8,039.31 - Liquid Savings - 5.05% APY HSBC Savings Account
$14,271.88 - Stocks - Misc. Direct Investments
$6,081.31 - Stocks - Ameritrade Izone
$2,938.26 - Stocks - Zecco
$2,573.22 - Bonds - TreasuryDirect

$33,903.98 TOTAL

Retirement Savings:

$14,978.83 - ROTH IRA - Vanguard
$2,139.51 - ROTH IRA - Scottrade
$40,018.73 - 401K - T. Rowe Price

$57,173.07 TOTAL

Debts

$3,386.22 - Student Loan - AES (3.625%)
$7,368.00 - Credit Card BT - Discover (0%)
$7,438.00 - Credit Card BT - Citi (0%)

$18,192.22 TOTAL

Housing / Automobiles

$269,575.14 - Mortgage - Countrywide
$339,900.00 - Approximate Home Value
$11,079.00 - Approximate Car Value - Edmunds.com

$81,403.86 - TOTAL (Approximate Equity)

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Taxable Accounts:

$8,862.65 - Liquid Savings - 5.05% APY HSBC Savings Account
$14,081.16 - Stocks - Misc. Direct Investments
$5,814.55 - Stocks - Ameritrade Izone
$3,006.56 - Stocks - Zecco
$2,559.82 - Bonds - TreasuryDirect

$34,324.74 TOTAL

Retirement Savings:

$14,783.11 - ROTH IRA - Vanguard
$2,203.73 - ROTH IRA - Scottrade
$38,379.63 - 401K - T. Rowe Price

$55,366.47 TOTAL

Debts

$3,428.24 - Student Loan - AES (3.625%)
$7,665.00 - Credit Card BT - Discover (0%)
$7,519.00 - Credit Card BT - Citi (0%)

$18,612.24 TOTAL

Housing / Automobiles

$270,017.51 - Mortgage - Countrywide
$339,900.00 - Approximate Home Value
$11,065.00 - Approximate Car Value - Edmunds.com

$80,974.49 - TOTAL (Approximate Equity)

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This month I am going to start a more detailed net worth calculation by including some additional information - housing and automobiles most notably. I am also going to try to start including more charts as well.

Taxable Accounts:

$9,851.29 - Liquid Savings - 5.05% APY HSBC Savings Account
$14,663.18 - Stocks - Misc. Direct Investments
$5,764.54 - Stocks - Ameritrade Izone
$706.87 - Stocks - Scottrade
$3,686.24 - Stocks - Zecco
$2,554.00 - Bonds - TreasuryDirect

$37,226.12 TOTAL

Retirement Savings:

$14,933.16 - ROTH IRA - Vanguard
$2,301.23 - ROTH IRA - Scottrade
$37,775.54 - 401K - T. Rowe Price

$55,009.93 TOTAL

Debts

$3,469.04 - Student Loan - AES (3.625%)
$7,673.00 - Credit Card BT - Discover (0%)
$7,781.00 - Credit Card BT - Citi (0%)

$18,923.04 TOTAL

Housing / Automobiles

$270,656.67 - Mortgage - Countrywide
$339,900.00 - Approximate Home Value
$11,130.00 - Approximate Car Value - Edmunds.com

$69,243.33 - TOTAL (Approximate Equity)

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Taxable Accounts:

$11,601.67 - Liquid Savings - 5.05% APY HSBC Savings Account
$13,842.66 - Stocks - Misc. Direct Investments
$5,422.28 - Stocks - Ameritrade Izone
$654.35 - Stocks - Scottrade
$2,568.17 - Stocks - Zecco
$2,554.00 - Bonds - TreasuryDirect

$36,643.07 TOTAL

Retirement Savings:

$13,700.38 - ROTH IRA - Vanguard
$2,207.45 - ROTH IRA - Scottrade
$36,134.23 - 401K - T. Rowe Price

$52,042.06 TOTAL

Debts

$3,509.70 - Student Loan - AES (3.625%)
$7,830.00 - Credit Card BT - Discover (0%)
$7,781.00 - Credit Card BT - Citi (0%)

Summary

Ah the after holiday financial blues. Credit card bill was about 2x as much as usual, but tis the season. I played a little 0% BT game as well to gain some extra interest on the credit card companies money so my emergency fund is still not really where it needs to be.

Monthly Goals

Property tax bill is due this month so I’m not sure how much savings I will be able to accomplish. Hold steady and hope for no major expenses.

Taxable Accounts:

$5,054.03 - Liquid Savings - 5.05% APY HSBC Savings Account
$13,969.38 - Stocks - Misc. Direct Investments
$5,289.00 - Stocks - Ameritrade Izone
$595.35 - Stocks - Scottrade
$2,479.34 - Stocks - Zecco
$2,523.18 - Bonds - TreasuryDirect

$29,910.28 TOTAL

Retirement Savings:

$13,500.38 - ROTH IRA - Vanguard
$1,842.70 - ROTH IRA - Scottrade
$34,134.23 - 401K - T. Rowe Price

$49,477.31 TOTAL

Debts

$3,525.70 - Student Loan - AES (3.625%)
$7,970.00 - Credit Card BT - Discover (0%)

Taxable Accounts:

$4,094.88 - Liquid Savings - 5.05% APY HSBC Savings Account
$13,507.26 - Stocks - Misc. Direct Investments
$5,600.01 - Stocks - Ameritrade Izone
$633.61 - Stocks - Scottrade
$2,479.49 - Stocks - Zecco
$2,523.18 - Bonds - TreasuryDirect

$28,838.43 TOTAL

Retirement Savings:

$13,201.27 - ROTH IRA - Vanguard
$2,483.75 - ROTH IRA - Scottrade
$32,604.46 - 401K - T. Rowe Price

$48,289.48 TOTAL

Debts

$3,591.01 - Student Loan - AES (3.625%)
$8,324.00 - Credit Card BT - Discover(0%)

Summary

Once again I was bailed out by a good month in the stock market. My emergency fund has been hit hard and is almost reaching a dangerous level. I also haven’t reached my goals of selling most of my individual direct investment stocks which I’ve decided to wait until next year to do now for tax reasons.

Monthly Goals

Hopefully this will be the month everything turns around and I start building back up my emergency fund. My fiance is finally getting paid at her new job, and is able to kick some money in towards the bills once again. My goal is to get the fund back up to about $6500.

Taxable Accounts:

$9,496.19 - Liquid Savings - 5.05% APY HSBC Savings Account
$12,921.56 - Stocks - Misc. Direct Investments
$4,805.25 - Stocks - Ameritrade Izone
$615.76 - Stocks - Scottrade
$2,523.18 - Bonds - TreasuryDirect

$30,361.94 TOTAL

Retirement Savings:

$11,684.78 - ROTH IRA - Vanguard
$3,135.27 - ROTH IRA - Scottrade
$30,020.17 - 401K - T. Rowe Price

$44,840.22 TOTAL

Debts

$3,631.66 - Student Loan - AES (3.625%)
$8,239.00 - Credit Card BT - Citi (0%)

Summary

The numbers are a little deceiving. I have a nearly $4000 tax bill due today that hasn’t been taken out of my account yet so the savings numbers are a little inflated. Overall I was helped by a strong month for the stock market and limited spending.

Monthly Goals

This will be another tight month. My fiance only gets paid monthly at her new job, so I have to pay most of the bills alone for this month as well. This was all foreseen though so isn’t a huge inconvenience. Plan once again is to be thrifty with my spending to get the emergency funds back up to a decent level.

Taxable Accounts:

$7,889.23 - Liquid Savings - 5.05% APY HSBC Savings Account
$12,748.42 - Stocks - Misc. Direct Investments
$4,630.00 - Stocks - Ameritrade Izone
$661.49 - Stocks - Scottrade
$2,510.20 - Bonds - TreasuryDirect

$28,439.34 TOTAL

Retirement Savings:

$11,481.23 - ROTH IRA - Vanguard
$3,168.00 - ROTH IRA - Scottrade
$28,383.56 - 401K - T. Rowe Price

$43,032.79 TOTAL

Debts

$3,674.62 - Student Loan - AES (3.625%)
$8,324.00 - Credit Card BT - Citi (0%)

Summary

Its been a tough month. New home purchase and all the expenses that entails hurt my taxable funds, as well as the freefall of one of my larger stock holdings which I stubornly refused to get out of (and still haven’t).

Monthly Goals

This figures to be a tough month as well. My fiance is in a transition between careers and isn’t going to start her new job until midway through the month, so I will be paying most of the bills this month. We have been slowely integrating our finances together, and I emphasize slowely. Monthly goal right now is just to stay about even with this month.