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net worth December 2013

January 2nd, 2014 at 03:33 am

It's been six months whence I last put up my numbers. The stock market lifted my retirement "yacht" and my DRP portfolio "powerboat".

$369,814 IRA/403B
$156,409 Vanguard taxable
$56,212 stock
$14,432 I-bonds
$27,886 ING
$2,071 immediate cash

$157,500 condo
-$117,063 mortgage

Used my original purchase price for the condo; Zillow estimates my condo is now worth about 188K. If I sold for that price, the equity gained will have offset what I spent on my kitchen remodel.

$667,261 total



Dec 2013 ($667,261 total, $257,010 taxable)
June 2013 ($623,978 total, $258,382)
Dec 2012 ($628,818 total, $290,180)
June 2012 ($617,902 total, $362,619)
Dec 2011 ($592,163 total, $356,567)
June 2011 ($596,791 total, $376,359)
Dec 2010 ($575,346 total, $356,542)
June 2010 ($553,023 total, $369,589)
Dec 2009 ($551,300 total, $385,771)
June 2009 ($512,054 total, $379,475)
Dec 2008 ($498,148 total, $386,021)
June 2008 ($524,261 total, $387,481)
Dec 2007 ($328,688 total, $192,747)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

net worth June 2013

July 1st, 2013 at 12:44 am

Kitchen remodel was fun, but its time to face the music on the 6 month net worth check.

$329,092 IRA/403B
$162,373 Vanguard taxable
$49,205 stock
$14,253 I-bonds
$30,263 ING
$2,288 immediate cash

$157,500 condo
-$120,996 mortgage

$623,978 total

5K drop? I'll take it.

June 2013 ($623,978 total, $258,382 taxable)
Dec 2012 ($628,818 total, $290,180)
June 2012 ($617,902 total, $362,619)
Dec 2011 ($592,163 total, $356,567)
June 2011 ($596,791 total, $376,359)
Dec 2010 ($575,346 total, $356,542)
June 2010 ($553,023 total, $369,589)
Dec 2009 ($551,300 total, $385,771)
June 2009 ($512,054 total, $379,475)
Dec 2008 ($498,148 total, $386,021)
June 2008 ($524,261 total, $387,481)
Dec 2007 ($328,688 total, $192,747)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

sometimes the surprises are pleasant

June 20th, 2013 at 04:33 am

First off, I'm taking it relatively slow on the backsplash. Got what I want to do, am planning it meticulously, did my jury stick measurements, got the tile samples (which really look GREAT and will be the icing on the cake) to do the grout study.

But the pleasant surprise was a tiny-ish refund to the tune of $174. It came from the bank - apparently they have you pay just a hair too much to provide a little extra cushion for the escrow. After about 6 months, everybody gets into a rhythm, and the cushion gets refunded and my mortgage payment dropped by about $10/payment. Helpful.

Things are settling down fiscally, so I'm getting back in the groove, in a couple of different ways. I've reactivated my tip box at work, so I'm showing that some love. FYI, I have a little decorative box at work - the "tip box" - that I throw change, small bills in. When there's an office collection, I pull from my tip box, but in general every month I deposit what's in there.

6 weeks ago I was 175 lb naked and now I'm 170. Gym bug has not caught on yet, I'm just walking and always taking the stairs up and down. Since the gym is next door to work and a branch is two blocks from my house, it does require a lot of avoidance. Smile

Looking at my net worth it has dropped a bit to the high 500K. If I hadn't bought the condo and hadn't remodeled the kitchen I would have been 70K up. You can't think that way, though. Money is a means not an end. I'm enjoying the end point and I know I will for a good long time.

Net worth December 2012

January 12th, 2013 at 08:35 pm

A little late with this Big Grin

Well, as I wrote before I took the bull by the horns and bought a 2bd, 1.75bth Lake City condo in late October. I've included it and the mortgage in my calculations. To keep myself consistent, I'm still not including the farmette in (also because I don't have a good idea on its worth). The 20% down dropped my taxable cash position a bit, and I expect that it will drop a bit more because I do plan to bite the bullet and refresh the kitchen. However, the 401K/Roth IRA/403B accounts are doing well. According to my notes, I've been contributing the 16K/17K max in my 403B for 4 years, and have put 5K into a Roth for 6 years.

Starting in Jan 2013, I've decided to ease up on making the 403B contributions a bit - still will contribute 10K to it, but with mortgage, fees, property taxes, and other etceras I wanted to boost my paycheck a bit to compensate. (For the curious - from my credit union, I got a 15 yr fixed mortgage at 3%, for 126K. My CU appears not to be selling it to Fannie or Freddie). I've also cashed in my 1yr CD to consolidate accounts, and frankly, to get a slightly better interest rate in ING.

$305,846 IRA/403B
$162,373 Vanguard taxable
$42,488 stock
$14,061 I-bonds
0$ CDs
$68,023 ING
$3,235 immediate cash

$157,500 condo
-$124,888 mortgage

$628,818 total

December 2012 ($628,818 total, $290,180 in taxable cash accounts)
June 2012 ($617,902 total, $362,619 in taxable accounts)
December 2011 ($592,163 total, $356,567 in taxable accounts)
June 2011 ($596,791 total, $376,359)
December 2010 ($575,346 total, $356,542)
June 2010 ($553,023 total, $369,589)
December 2009 ($551,300 total, $385,771)
June 2009 ($512,054 total, $379,475)
Dec 2008 ($498,148 total, $386,021)
June 2008 ($524,261 total, $387,481)
Dec 2007 ($328,688 total, $192,747)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

getting back to routine

January 5th, 2013 at 11:52 pm

Happy Holidays, and best of success in all your fiscal endeavors for 2013.

As for me, I'm getting back into the swing of routine. A different routine - I now can depend on me waking up at 7:45, and getting out the door at about 8:15 - 8:20, to catch any of the three downtown express buses. One (the 522) got me downtown on the 26th in 15 minutes. Man that was nice.

Done with carpet tile, just finished with the major wall painting (painting trim I'm sure is a forever project). I moved 2 full car loads of my stuff at the old place to the new condo, with the last full car load (books) perhaps will happen in the next week or two.

The next 'goal' is get set up enough to host the super Bowl party... first Sunday of February. For that, I'll break down and buy that TV, and get some seating. After that, the fridge and stove work like champs.

I have been doing lots of mini goals with the condo - got all the lighting to work, put post-its on the rooms to remind me what I need to do in them, arranged a charging station to hem in all the electronic crap in one area, am making a pile of stuff to donate/recycle (sometimes its just easier to move it, then donate it), arranged the entry way, monitored when the garbage gets picked up so I can slip a contractors bag of nasty carpet or dried paint waste when the dumpster is empty. Lawyer friend came by with his half full truck and took 15 bags - hard to tell if he will swing around again. He soon will not be a co worker - he's heading for another job at another non-profit. Hopefully we can still keep in touch...if nothing else, he's another dead pool player.

Received a box of organic produce from sister, and I've sent her a Christmas fish in return. Also sent her before and after condo pics.

Our own Spondilucks won the 2012 Dead Pool pool, so I mailed the proceeds to her. She hosted a New Year's Eve soiree which was a whole lot of fun. We had a great time comparing methodologies! Right now the 2013 pool has again 13 players - I might have 2 more and am willing to wait a day or two longer, but after that it becomes not fair to others who got their list in...especially if you are planning on playing Hugo Chavez. Smile

Still holding out on not having Internet at home - what I might do is write posts when I can then publish them one after the other. My net worth took a dip because I put down 20%, but it is still around 600K. The 403B really perked up at the very end - it alone is at 181K.

Net Worth, December 2011

January 2nd, 2012 at 03:06 am

I was doing very well as of June 2011, even broke above $600K even throughout much of July. Then August happened and I dropped quite a bit. I say that to get perspective - that I'm only 5K down is just fine. This year has been so flat and meh. The increase between December 2010 and December 2011 is literally based on the contributions I put in. (5K in the Roth, 16.5K in the 403B)

$235,596 IRA/403B
$182,365 Vanguard taxable
$35,536 stock
$13,565 I-bonds
$25,000 CDs
$98,563 ING
$1,538 immediate cash
$592,163 total

December 2011 ($592,163 total, $356,567 in taxable accounts)
June 2011 ($596,791 total, $376,359)
December 2010 ($575,346 total, $356,542)
June 2010 ($553,023 total, $369,589)
December 2009 ($551,300 total, $385,771)
June 2009 ($512,054 total, $379,475)
Dec 2008 ($498,148 total, $386,021)
June 2008 ($524,261 total, $387,481)
Dec 2007 ($328,688 total, $192,747)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

yeah, I pick at scabs, too

August 19th, 2011 at 04:44 am

With all the gyrations of the stock market, I hadn't checked my all of my accounts in about a month. Tonight I did.

I am down over $27,000, or about 4.5%. I expect to be down a bit more before its all said and done. Ignorance for stretches definitely pays.

new bank stock

July 10th, 2011 at 05:28 am

Perhaps you remember that I have some drps - stocks where I can add to my position in small amounts along with reinvesting the dividends as they come up quarterly. My bank stock had been ailing since the near-implosion in the fall of 2008. I say had because as of July 1, it had been acquired by the Bank of Montreal (BMO). I discovered that the transfer agent (the banking/ accounting entity that you buy the shares from) is the same one as my KO stock. Good news - no new weird one, and they are very prompt with the payments. It appears that I can drp in that one also, but I've asked for the prospectus. The only odd thing is that the account is kept in Canadian dollars.

Stocks went up in the last couple of weeks (though not on Friday) - my net worth broke 600K again. We'll see if it holds.

Have 5 more days til I close this year's change finding adventure. I found .21 today, and I'm at $88.23. Probably not going to hit $90 this year ... but $88 - $89 is darn good enough.

Nope, nobody had Betty Ford.

On the crafty side, I'm making progress. I have only a couple more frames to paint, and I've finished gluing the glass and tile bits into my mosaic. I also bought a bit of thinset mortar ($12 for a box), and found a notched trowel for $2 at Goodwill. Gotta love it when I can find what I need at the thrift store. I've emailed the mosaic teacher several questions. When I get the answers I'll take the plunge and get the mosaic mortared to the board. Grout awaits! will

Net worth, June 2011

July 1st, 2011 at 04:14 am

Don't have too much time to comment - about all I can say is that I am so close to 600K that I can taste it. Hit it once several months ago, then stocks dropped again.

Oh, and yes, I got paid, so I now have a bit more than $3.

$220,432 IRA/403B
$202,421 Vanguard taxable
$34,299 stock
$13,238 I-bonds
$25,000 CDs
$100,094 ING
$1,307 immediate cash
---
$596,791 total

By comparison:
June 2011 ($596,791 total, $376,359 in taxable accounts)
December 2010 ($575,346 total, $356,542)
June 2010 ($553,023 total, $369,589)
December 2009 ($551,300 total, $385,771)
June 2009 ($512,054 total, $379,475)
Dec 2008 ($498,148 total, $386,021)
June 2008 ($524,261 total, $387,481)
Dec 2007 ($328,688 total, $192,747)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

Net worth, December 2010

January 2nd, 2011 at 05:34 am

Apologies that I didn't send this out last night the last night of 2010. I've been battling the flu. (Better to battle it now than battle it on vacation.)

With the exception of one CD, I folded the paypal and the CDs and savings for the farmette all into ING. Out of all the incredibly crappy interest rates out there, ING is slightly less crappy. There was a drop entirely due to vacation - plane tickets and the tour package for sister and I took quite a bite out of savings.

The three IRAs (including the 403B), broke 200K. The 403 did well this year: about 8.5% increase - mostly in the beginning of the year and at the very end. As I mentioned a few blog posts ago, I increased my 403B contributions a hair for this year. Next year (2012), if I'm still working at my job, I turn 50 and plan on participating in "catchup" if I can stand it.

The next challenge is how to invest the taxable. I'm great at not leaping in, feet first, into investments especially since it was 2008; not so good at getting back into investing now that the stock market quietly bounced back. Timing issues? I haz them.


$205,818 IRA/403B
$202,334 Vanguard taxable
$31,134 stock
$12,986 I-bonds
$25,000 CDs
$95,917 ING savings
$2,157 immediate cash
---
$575,346 total

By comparison:
December 2010 ($575,346 total, $356,542 in taxable accounts)
June 2010 ($553,023 total, $369,589)
December 2009 ($551,300 total, $385,771)
June 2009 ($512,054 total, $379,475)
Dec 2008 ($498,148 total, $386,021)
June 2008 ($524,261 total, $387,481)
Dec 2007 ($328,688 total, $192,747)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

Net worth, June 2010

July 1st, 2010 at 03:27 am

Not much to say except: thank G&d my portfolio is flat. These last few weeks could have made things much, much worse.

You might have noticed that the Vanguard taxable is still a bit high. I've decided to wait a bit longer with the stock market before moving some gramma money out into it - I'm one of the few who wishes that the dow would go down a hair more. I plan on putting a bit of money in a dividend stock fund - still strictly defensive. I'll leave it to my 403B to go a hair wild.

$170,625 IRA/403B
$202,320 Vanguard taxable
$25,803 stock
$12,809 I-bonds
$112,409 CDs
$26,811 ING, paypal, farmette savings
$2,246 immediate cash
---
$553,023 total

By comparison:
June 2010 ($553,023 total, $369,589 in taxable accounts)
December 2009 ($551,300 total, $385,771)
June 2009 ($512,054 total, $379,475)
Dec 2008 ($498,148 total, $386,021)
June 2008 ($524,261 total, $387,481)
Dec 2007 ($328,688 total, $192,747)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

Net worth, Dec 2009

January 1st, 2010 at 05:10 am

The workplace 403B (subset of the IRA/403B) has been growing especially fast - its within 700$ of 6 digits. The taxable money has stabilized a bit. The plan is to bulk up the 403B as much as possible, using the cash when necessary. The idea is that the fastest growing money is in tax-free and tax-deferred buckets.

My Drp stock portfolio was up 12% as compared to last year. Several of the stock increased their dividend slightly - it always helps when you get paid to hold something. My bank stock is still doing poorly, but less poorly than before. I still might sell it to help with taxes, but I was dissuaded from doing so because I had enough tax help.

Still could not pull the trigger to put Gramma's money in the stock market. March would have been the best time, but they don't ring a bell at the bottom.

About 10% up from last year at this time.


$165,529 IRA/403B
$202,308 Vanguard taxable
$24,931 stock
$12,561 I-bonds
$117,067 CDs
$27,161 ING, paypal, farmette savings
$1,743 immediate cash
---
$551,300 total

By comparison:
December 2009 ($551,300 total, $385,771 in taxable accounts)
June 2009 ($512,054 total, $379,475)
Dec 2008 ($498,148 total, $386,021)
June 2008 ($524,261 total, $387,481)
Dec 2007 ($328,688 total, $192,747)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

up in the game

August 4th, 2009 at 03:29 am

Sunday
Saving log - $0
Spending log - $3.88 coffee, bagel +$1 peach
Found money - $0.01 (corner curb 3rd/Pike) + $0.01 (bus stop) + $0.02 (bus floor)

Pennies from heaven today, so I got a dollar's worth of change.

Monday
Saving log - $3 tip box
Spending log - $0
Found money - $0.01 (sidewalk in front of coffeehouse)

Well, I've been relatively lucky in finding change - it only took me 19 days to find a bucks' worth, that with 4 days of no luck. I rarely find quarters at all, not to mention finding two. Its like getting paid to jog, walk, and touch my toes.

This current stock market rally is freaking me out a bit. My net worth is now above what it was June 2008, before the Great Fiscal Implosion.

Net worth, first half 2009

July 1st, 2009 at 04:17 am

The 403B went up quite a bit - I've been buying ever since October. The cash has been dropping due to my using it to pay tax, give to sister for the farmette ... and the low interest rate isn't enough to regenerate it.

I've wanted to invest the Vanguard taxable money (grandma's inheritance), and I came close, but somehow I could not pull the trigger. It is true that with stock market timing, you have to be lucky twice - know when to get out, and know when to get back in.


$132,579 IRA/403B
$202,207 Vanguard taxable
$18,351 stock
$12,444 I-bonds
$106,503 CDs
$38,281 ING, paypal, farmette savings
$1,689 immediate cash
---
$512,054 total

By comparison:
June 2009 ($512,054 total, $379,475 in taxable accounts)
Dec 2008 ($498,148 total, $386,021)
June 2008 ($524,261 total, $387,481)
Dec 2007 ($328,688 total, $192,747)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

question from the peanut gallery

February 5th, 2009 at 05:03 am

Tuesday
Saving log - $5 tip box
Spending log - $3.50 fresh juice

Wednesday
Saving log - $4 tip box
Spending log - $10 lunch

Its busy at work but I'm making great progress so I bought a treat yesterday and had lunch with the gang today.

Lawyer friend had read my blog and had a question for me: Why don't I count the farmette in my net worth? Let me see...

1. Don't know what the farmette's worth, and really, until I'm bought out or it goes up for sale, not worth it to me to appraise it.

2. And it would 1/2 of an estimate anyway.

3. Treating the farmette like an expense, which it is if I pay half-sies on expenses and taxes and I visit it once every couple of years.

4. Would prefer that my net worth be an underestimate.

After lunch, as we were walking back to work, screenwriter friend found a $10 bill under a parked car. Score for him.

Apologies that I haven't been posting daily - I have an excuse, now I have to look around for the screen and type one handed...

Net worth, second half 2008

January 1st, 2009 at 06:03 am

Sensing that prosecco will eliminate any math ability, before I raise my glass in a toast:

Thank G&d 2008 is over!

I'm here to present my net worth snapshot, circa Dec 31, 2008. Stocks are down, IRA is down, but now its mostly Roth, so it is mostly tax-free instead of tax deferred. 403B is down, but since the meltdown I have put in about 4K into "cheap" mutual funds. Money that was in t-bills is now in ING savings. Cash is holding its own, but it can only do so much.

Down from June, but frankly, it could have been much, much worse. Shelby Davis famously said, "you make most of your money in a bear market, it just doesn't seem like it at the time." Maybe in 2010 - 2011 I'll review this entry and smile.

$112,127 IRA/403B
$200,000 Vanguard taxable
$15,927 stock
$12,140 I-bonds
$105,331 CDs
$51,003 ING, paypal, farmette savings
$1,620 immediate cash
---
$498,148 total

By comparison:
Dec 2008 ($498,148 total, $386,021 in taxable accounts)
June 2008 ($524,261 total, $387,481)
Dec 2007 ($328,688 total, $192,747)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

Net worth, first half 2008

July 1st, 2008 at 05:36 am

Net worth 2008

Grandmother's inheritance has been dispersed (dad's was in December 2007), which is why the net worth jumped radically again. Since I am now the oldest direct descendant, no more big inheritances now and forever.

I've pruned a number of accounts - I've put all but 10$ from Paypal into ING, I've shifted some money from one bank to another to keep under the $100K FDIC limit, and put all but .80 of grandma's Ameriprise money into Vanguard. I expected to shelter most of the Vanguard money into tax-free or tax deferred accounts. Now with grandma's gift total and the ability to shelter at 15K/yr for 403B and 5K/yr for a Roth, it won't happen. I have to be okay with that.

Snapshot of net worth, first half of 2008

$136,780 IRA/403(B)
$197,000 Vanguard taxable (cash that will be put into equities...eventually)
$17,322 stock (5 DRPs)
$27,762 EE bonds, I bonds, T bills
$125,464 CDs
$18,999 ING, PayPal savings
$934 immediate cash in checking/savings
----
$524,261 grand total

By comparison:
June 2008 ($524,261 total, $387,481 in taxable accounts)
Dec 2007 ($328,688 total, $192,747)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

Net worth, second half 2007

January 1st, 2008 at 04:33 am

Net worth 2007

All of dad's inheritance has now been dispersed to sister and I. Grandmother's inheritance has not been dispersed yet. Again, these numbers have very little bearing on any frugalness from our part. The real estate value of the farmette (house, barn, sheds, solar panels, 7 acres) has not been included in any form in this net worth tally. Somehow its wiser not to put a value something as sentimental as the farmette. Besides, unless sister buys me out (not for many years), the value of the farmette is moot. Best to handle what I can control.

I've had to take out CDs at various banks. I'll have to see about CDARS, where one bank will farm out CDs to other banks, keeping within FDIC regulations.

Snapshot of net worth, last half of 2007

$135,941 IRA/403(B)
$15,829 stock (4 DRPs)
$26,453 EE bonds, I bonds, T bills
$139,959 CDs
$9,181 ING, PayPal savings
$1,325 immediate cash in checking/savings
----
$328,688 grand total

By comparison:
Dec 2007 ($328,688 total, $192,747 in taxable accounts)
June 2007 ($176,422 total, $48,205)
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

Two entry-ettes

September 3rd, 2007 at 04:43 am

Saving log - $0
Spending log - $3.28 coffee, bagel, cream cheese + $1 apple

Two things -

My weight has been creeping up and now its at 187 (from 184). My trainer suggested a bit more cardio, preferably at the gym. Last week I made it in on Sunday for 40 minutes. Since the gym is on special weekend holiday hours today, I did the marathon 30 block walk - from 24th Ave NW - and promised the trainer that I would not saunter. I managed it in 45 minutes.

Second thing. I figured out that, month in and month out, with interest and saving, that I increase my net worth by $500/ month. This month it was $508. I used to have to save the whole thing, now I let CD interest do some of the work.

Net worth, first half 2007

July 1st, 2007 at 05:22 am

Snapshot of net worth, first half of 2007

$128,217.03 IRA/403(B)*
$13,387.24 stock (4 DRPs)
$25,812.64 EE bonds, I bonds, T bills
$7,227.60 ING, PayPal savings
$1,777.12 immediate cash in checking/savings
----
$176,421.63 grand total

*Again, I've added about 40K to Vanguard, which I plan put into Roth IRAs in subsequent years.

I received the 3rd disbursement of the inheritance in March, which is why it jumped so. (No brilliance of my own, only the ability not to spend it!) I received a 4th disbursement in very late June. Because a chunk of it will be sent to sister to fund the joint account that will take care of the farmette, I decided to wait and count what was left of the funds in December 2007.

My ING/paypal accounts dipped a bit due to the Paris trip.

June 2007 ($176,422 total, $48,205 in taxable accounts)
By comparison:
Dec 2006 ($132,062 total, $40,329)
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

Net worth, 2006

December 30th, 2006 at 03:20 am

Just to make this a genuine financial diary...


$91,732.79 IRA/403(B)*
$11,463.44 stock (4 DRPs)
$17,052.41 EE bonds, I bonds, T bills
$10,083.57 ING, paypal savings
$ 1,730.04 immediate cash
----
$132,062.25 grand total

* includes $24,000 in a taxable account in Vanguard which I'm going to plow into a Roth. I consider this retirement because that's how I plan to use it.

Dec 2006 ($132,062.25 total/$40,329.46 in non-tax deferred account)
By comparison:
June 2006 ($120,261 total, $65,148)
Dec 2005 ($67,778 total, $23,740)
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

Nice that I can increase my net worth by 10K every 6 months, despite having to buy a 6K bed, use a personal trainer and bury a cat. I shifted 3K to stocks, shifted what was left of the CD (24K) to Vanguard, and put 8K to short term T-bills.

Halfway through 2006

July 2nd, 2006 at 11:41 pm

Might just as well do the net worth calculation.

$ 6,747.81 - stocks
$56,147.34 - IRA and 403(B)
$ 8,297.96 - bonds
$30,334.50 - 6 mo CD in brick/mortar bank
$19,385.48 - ING, checking, bank savings
-$ 652.00 - credit card*

$120,261.09 - grand total

*I signed up for more personal training on June 30.

I learned from my trainer that gym time is a bit like the car lot. The trainers in the gym have a quota; if you sign up at the end of the month you'll probably get a better deal.

It turns out that I will get a freebie from my trainer. I only got two new members, but by coincidence the managing CEO was working the table at our site. Seeing that I was an ad ... He got the idea to scour his records, find other downtown worksites that have a lot of clients, then schedule a gym "roadshow" at those offices.

Turns out that I'll need that extra training. The wedding on Friday night was beautiful with great weather, but the reception was a blowout - a couple of glasses of red wine and my judgment turned poor for the buffet. Smile

in like a lamb

March 2nd, 2006 at 04:42 am

My retirement account at work (different than my 403B) rose in value about $2000 last week. Pleasant but I want to know why, and why I'm still at 80% vested. I think that its because savings and data get deposited only a couple of times throughout the year.

I don't set any goals for a particular month, but I do have some expectations:

1. Grandma is gifting sister and I in 2006 (she gifted each of us in November 2005 for 2005). Since word up is is that she is selling stock, I have no idea how much the gift is, only that I'll put it in ING and let it cook for a few months.

2. Chiropractic appointments will slow a bit so my co-pays will drop by about 40-60%.

3. I will finish scanning and putting financial and medical documents on my little USB drive.

4. I will finish paying off my credit card and again set what I have been paying on the credit card onto savings, bonds, and drips. I so missed that!

I took a gander at the net worth, and luckily it has been increasing quickly. When the stocks drop, the interest earned from savings and bonds keeps going up, along with the IRS refund, the vesting, and the addition injection of money consoles me a bit. Smile

I'm on track in April to have a net worth of about $79,000, or an exactly $50,000 increase from July 2004. Less than two years! Its a big secret, but the whole trick to this is to convert your debt snowball into a savings snowball.

Haven't heard from sister in two weeks, nothing about dad's estate in over four weeks. Something will happen - the lion is coming.

Net worth 2005

January 1st, 2006 at 06:02 am

Here I am, sipping champagne, watching High Noon on Dec 31, 2005. Courageous, throwing these numbers out here, but this is a real financial diary, so here goes.

IRA, 403(B)s......$44,918.46 (anything tax deferred, set aside for retirement)
Stocks................ $4,918.62 (4 dividend reinvestment accounts)
sav bonds...........$6,807.76 (I and 2 EE bonds from grandpa)
cash savings.....$11,949.82 (ING account)
immed cash.........$1,423.51 (brick & mortar bank checking and savings)
GROSS...............$69,138.17
cc card debt.........$1,360.06
NET WORTH.......$67,778.11

Dec 2005 ($67,778 total, $23,740 in a non-tax deferred account). By comparison:
June 2005 ($46,115 total, $11,293)
Dec 2004 ($38,338 total, $7,558)
June 2004 ($29,050 total, $4,533)

Home stretch for 2005/goals for 2006

December 29th, 2005 at 04:46 am

For the last couple of years I've been calculating my net worth every six months (June 30 and December 31) for the last couple of years. Luckily its been going up. Smile I'm just waiting for Friday night when I can do my net worth calculation for the end of the year.

Goals & Decisions for 2006.
1. Pay off the personal trainer credit card debt. This will happen by March or April.
2. Take a hard look in January and February at what I'm spending my money on. This December - like them all - I felt like I had overspent my promotion, that I was loosening up.
3. Decide just how much emergency money I should have in my ING account, then invest the rest. (If I have to, kill off the last of the credit card debt.)
4. Keep increasing my net worth. So far, I've been able to do it by about $10,000 every eight months, but this is in part due to a rising stock market.
5. Get most of my financial information - images of contracts and files - on a USB drive. Said USB drive must have a security system on it.
6. Write a will.

Speaking of the personal trainer, I got weighed and measured today. In a word, 1/2 a loaf. I didn't lose any total weight, but I did firm up 1/2 inch in the bust, waist and hips, nearly an 1 inch in the upper arm. Christmas strikes again! Smile

Plan B

December 18th, 2005 at 08:39 am

Well, I still couldn't find the dried mushroom guy at the Pike Market, so it was plan B for the gift for SIL and her husband. When they last visited we went on a wine tour, which they enjoyed, so I found a wood wine box covered with chinese characters that holds two bottles. Its illegal to ship wine most places and since I'm not interested in figuring out whether Wyoming (where they live) is one of them, I've packed the empty slots with gourmet cheese and chocolate bars, and finished it with a X-mas card and a note. That's the other semi-frugal trick of mine: an interesting storage box filled with something else. $27 for the wine box, $18 for the cheese, $10 for the chocolate.

Now what to get my mil....

I haven't really figured out my fiscal goals for 2006. Paying off the credit card from the personal trainer is number one; keeping up my pace of increasing my net worth by $10,000 every 8 months is good, but it depends on investments that always increase in value. Some will; stocks won't. Holding and managing the inheritance is a good goal - if I get it in 2006.