Net Worth Statement - September 3 2007
Net Worth, Personal Finance
Taxable Accounts:
$35,015.16 - Liquid Savings - 5.05% APY HSBC Savings Account
$15,919.44 - Stocks - Misc. Direct Investments
$5,689.86 - Stocks - Ameritrade Izone
$2,934.27 - Stocks - Zecco
$2,611.74 - Bonds - TreasuryDirect
$62,170.47 TOTAL
Retirement Savings:
$16,816.75 - ROTH IRA - Vanguard
$1,522.11 - ROTH IRA - Scottrade
$49,795.59 - 401K - T. Rowe Price
$68,134.45 TOTAL
Debts
$3,178.81 - Student Loan - AES (3.625%)
$4,575.00 - Credit Card BT - Discover (0%)
$18,359.28- Credit Card BT - BOA NEA (0%)
$20,400.00 - Credit Card BT - Upgromise (0%)
$46,513.09 TOTAL
Housing / Automobiles
$267,324.71 - Mortgage - Countrywide
$339,900.00 - Approximate Home Value
$10,588.00 - Approximate Car Value - Edmunds.com
$83,163.29 - TOTAL (Approximate Equity)
Networth Breakdown
| Assets | $ Diff | % Diff | |
| Cash | $35,015 | $26,216 | 297.94 % |
| Stocks | $24,544 | $621 | 2.60 % |
| Bonds | $2,611 | $6 | 0.23 % |
| Retirement | $68,134 | $2,291 | 3.48 % |
| Home | $339,500 | $0 | 0.00 % |
| Cars | $10,588 | ($186) | -1.73 % |
| Total Assets | $480,392 | $28,948 | 6.41 % |
| Debts | $ Diff | % Diff | |
| Home Mortgage(s) | $267,324 | ($456) | -0.17 % |
| Student Loans | $3,178 | ($42) | -1.30 % |
| Credit Card | $43,334 | $29,566 | 214.74 % |
| Total Debts | $313,836 | $29,068 | 10.21 % |
| Net Worth | $166,556 | ($120) | -0.07 % |

Summary
I did a substantial re balancing of assets this month. Most specifically adding about $25,000 in credit card 0% money which I plan to earn interest off in my savings accounts. Hopefully this will allow us some flexibility and set us up better in the future.
Market was a little better this month to me than last but still not stellar. Overall the month was pretty stagnant from a net worth perspective.
Monthly Goals
My School taxes are due at the end of this month so my cash balance is going to most certainly take a hit. Its going to be hard to avoid my third straight negative net worth which is a little disheartening. Hopefully I will rebound the following month.
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