Net Worth Statement - September 3 2008 (-0.24 %)
Net Worth
Taxable Accounts:
$638.10 - Liquid Savings - 3.50% APY HSBC Savings Account
$15,601.36 - Savings - 3.50% APY Countrywide Savings Account
$7,077.08 - Checking - 2.2% APY Schwabb Investor Checking Account
$15,641.73 - Stocks - Misc. Direct Investments
$4,629.16 - Stocks - Ameritrade Izone
$3,132.02 - Stocks - Zecco
$2,716.50 - Bonds - TreasuryDirect
$49,435.95 TOTAL
Retirement Savings:
$16,588.12 - ROTH IRA - Vanguard
$994.11 - ROTH IRA - Scottrade
$58,234.36 - 401K - T. Rowe Price
$75,816.59 TOTAL
Debts
$2,719.74 - Student Loan - AES (3.625%)
$3,642.76 - Credit Card BT - Chase (0%)
$16,387.28 - Credit Card BT - BOA NEA (0%)
$6,800.61 - Credit Card BT - Juniper (0%)
$4,499.12 - Credit Card BT - Bank Atlantic (0%)
$17,994.00 - Credit Card BT - Upromise (0%)
$52,043.51 TOTAL
Housing / Automobiles
$261,659.00 - Mortgage - Countrywide
$339,500.00 - Approximate Home Value
$8,515.00 - Approximate Car Value - Edmunds.com
$86,356.00 - TOTAL (Approximate Equity)
Networth Breakdown
| Assets | $ Diff | % Diff | |
| Cash | $23,317 | ($1,575) | -6.33 % |
| Stocks | $23,403 | $134 | 0.58 % |
| Bonds | $2,717 | $6 | 0.22 % |
| Retirement | $75,817 | $231 | 0.31 % |
| Home | $339,500 | $0 | 0.00 % |
| Cars | $8,515 | ($125) | -1.45 % |
| Total Assets | $473,269 | ($1,329) | -0.28 % |
| Debts | $ Diff | % Diff | |
| Home Mortgage(s) | $261,659 | ($487) | -0.19 % |
| Student Loans | $2,720 | ($43) | -1.56 % |
| Credit Card | $49,324 | ($419) | -0.84 % |
| Total Debts | $313,703 | ($949) | -0.30 % |
| Net Worth | $159,566 | ($380) | -0.24 % |
Summary
A day late and a couple dollars short. Another down month in the stock market hurt my net worth as well as our summer vacation. I was hoping to build up a little more of a cash reserve as I have quite a few bills coming up.
Monthly Goals
My school taxes are due this month as well as some remaining bills from vacation. It will be extremely difficult to post a positive net worth. Also, some of the 0% offers will be running out on my credit cards so I will start looking to either transfer those or pay them off.
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How are you tracking all your spending? Are you using software? Excel? Quicken?
Nice breakdown in the debt, adding the interest rate is a nice touch, since that is so important…
stocks - I’m using a combination of Excel (well, actually I recently switched over to Google Docs for portability) and then I also plug my numbers into NetWorthIQ.