| Assets | Dec-08 | Jan-09 | Change | % |
| Cash & Savings | $ 60,687.73 | $ 48,467.69 | $ (12,220.04) | -20.14% |
| Taxable Brokerage Accts | $ 65,648.35 | $ 65,304.57 | $ (343.78) | -0.52% |
| Roth IRAs | $ 33,059.63 | $ 32,226.26 | $ (833.37) | -2.52% |
| Pre-tax Retirement Accts | $ 135,193.33 | $ 136,939.79 | $ 1,746.46 | 1.29% |
| Stock Options | $ - | $ - | $ - | 0.00% |
| ESPP | $ 19,675.17 | $ 23,620.16 | $ 3,944.99 | 20.05% |
| House #1 - Rental | $ 160,000.00 | $ 160,000.00 | $ - |
|
| House #2 - Rental | $ 128,225.00 | $ 128,225.00 | $ - |
|
| House #3 - ??? | $ 109,510.00 | $ 108,910.00 | $ (600.00) |
|
| House #4 - Primary | $ 300,000.00 | $ 300,000.00 |
|
|
| Receivable (Payable) | $ - | $ - | $ - |
|
| Other Assets | $ - | $ - | $ - |
|
| Total Assets | $1,011,999.21 | $1,003,693.47 | $ (8,305.74) | - .82% |
| Liabilities |
|
|
|
|
| Credit Card Balances | $ (11,798.61) | $ (1,245.50) | $ 10,553.11 | -89.44% |
| House #1 Mortgages | $ (112,430.03) | $ (112,225.97) | $ 204.06 | -0.18% |
| House #2 Mortgages | $ (100,981.42) | $ (100,981.42) | $ - | 0.00% |
| House #3 Mortgages | $ (89,534.75) | $ (89,290.07) | $ 244.68 | -0.27% |
| House #4 Mortgages | $ (241,600.00) | $ (241,600.00) |
|
|
| Rental Deposits | $ (9,980.57) | $ (10,985.23) | $ (1,004.66) | 10.07% |
| Additional Tax Liability | $ - | $ - | $ - | 0.00% |
| Other Liabilities |
|
| $ - |
|
| Total Liabilities | $ (566,325.38) | $ (556,328.19) | $ 9,997.19 | -1.77% |
| $2million Goal Progress* | $ 387,273.83 | $ 388,965.28 | $ 1,691.45 | 0.44% |
| Net Worth | $ 445,673.83 | $ 447,365.28 | $ 1,691.45 | 0.38% |
Highlights for January
- All credit card debt (except current month’s purchases) is in the form of 0% APR balance transfers earning interest in my savings accounts.
- We paid off the last of our 0% balance transfers in January. The well has dried up for now, but we are ready to take advantages if any offers come our way.
- We started to clamp down on our spending this month as we started getting settled into our new home. However we have been spending money trying to reduce the home’s energy costs. All other remodel/improvement projects are on hold for the time being. We are just going to enjoy what we got for now.
- We finally filed our 2007 income taxes this month and learned we would still get the 2008 stimulus checks in the form of a tax credit on our 2008 tax return.
- January was a nice month because we didn’t have a mortgage payment on our new home (House #4) - that will change everything starting February 1st. Cash flow will be much tighter for our household than it ever has before, but I think we are ready for it.
- Investments posted losses in January, but we did extremely well compared to out benchmark. We bested our benchmark by nearly 3% for the month.
You can see my previous monthly net worth updates here.
Read more here: January 2009 Net Worth Update (+0.38%)
No comments:
Post a Comment