Net Worth Statement - October 1 2007
Net Worth
Taxable Accounts:
$32,476.06 - Liquid Savings - 5.05% APY HSBC Savings Account
$16,416.72 - Stocks - Misc. Direct Investments
$5,772.37 - Stocks - Ameritrade Izone
$3,067.39 - Stocks - Zecco
$2,625.52 - Bonds - TreasuryDirect
$60,358.06 TOTAL
Retirement Savings:
$17,559.20 - ROTH IRA - Vanguard
$1,369.42 - ROTH IRA - Scottrade
$52,575.18 - 401K - T. Rowe Price
$71,503.80 TOTAL
Debts
$3,137.06 - Student Loan - AES (3.625%)
$4,484.00 - Credit Card BT - Chase(0%)
$18,176.28 - Credit Card BT - BOA NEA (0%)
$7,495.18 - Credit Card BT - Juniper (0%)
$20,400.00 - Credit Card BT - Upgromise (0%)
$53,692.52 TOTAL
Housing / Automobiles
$266,866.99 - Mortgage - Countrywide
$339,900.00 - Approximate Home Value
$10,380.00 - Approximate Car Value - Edmunds.com
$83,413.01 - TOTAL (Approximate Equity)
Networth Breakdown
| Assets | $ Diff | % Diff | |
| Cash | $32,476 | ($2,539) | -7.25 % |
| Stocks | $25,256 | $712 | 2.90 % |
| Bonds | $2,626 | $15 | 0.57 % |
| Retirement | $71,504 | $3,370 | 4.95 % |
| Home | $339,500 | $0 | 0.00 % |
| Cars | $10,380 | ($208) | -1.96 % |
| Total Assets | $481,742 | $1,350 | 0.28 % |
| Debts | $ Diff | % Diff | |
| Home Mortgage(s) | $266,867 | ($457) | -0.17 % |
| Student Loans | $3,137 | ($41) | -1.29 % |
| Credit Card | $46,555 | $3,221 | 7.43 % |
| Total Debts | $316,559 | $2,723 | 0.87 % |
| Net Worth | $165,183 | ($1,373) | -0.82 % |
Summary
Its getting pretty depressing seeing these constant net worth drops over the last few months. I’m still rebalancing some of my assets and had a monster school tax bill this month which without I would actually be up so I guess I don’t feel too bad.
The market upswing certainly helped as well, and my 401k finally reached over $50,000 which was a nice milestone.
Monthly Goals
I have some home improvements and maintenance to take care of this month so it could be possible that I have another down month. Its all in the name of protecting my biggest investment though so I guess its worth it.
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Congrats, Your well on your way. Did you know that most people don’t have a clue what their actual net worth is? The greatest benefit to putting your statement together is you’ll see what you can do to cost costs and improve your own bottom line. Maybe you’ll start to “pay yourself first”