January 2013 Net Worth Update (+2.45%)

Feb 01, 2013 @ 01:46 pm by EMS

January ended up being a positive month with a net worth increase of 2.45%.  Our spending numbers were good, especially considering that we bought new carpet for a significant portion of the house this month, yet we still spent less that we did in January of 2012.

January 2013 Net Worth

January 2013 Investment Comparison Report (-2.57%)

Feb 01, 2013 @ 01:35 pm by EMS

Looking back, I realize that I’m 3 months behind on updating our stock performance.  To make a long story short, it hasn’t been good (perhaps I’m hoping that it will just go away if I ignore it).  Because of Apple’s continued decline in stock price, I’ve trailed our index of VTI for 4 straight months.  December 2012 and January 2012 were very bad with trailing figures of 3.14% and 2.57% respectively.

I do feel as though our portfolio is too heavy with Apple stock, but I’m not willing to sell it at its current price.  I will consider diversifying our position if/when Apple reaches a fair level again, but for the time being, we are going to stick with what we have.

January 2013 Stock Performance

2012 Wrap Up

Feb 01, 2013 @ 01:09 pm by EMS

2012 was a record year for increasing out net worth.  We ended up over 50K than what we had been at year’s end of 2011.  This accounts for a 17.9% increase and, while this may not be a great benchmark because we are dealing with more than investments, we beat the VTI index by over 4 percentage points.

2012 Year End Wrap Up

I’ve been keeping a close look at our spending, and we did manage to spend a few thousand dollars less in 2012 than we did in 2011.  Hopefully, we can continue the trend and decrease that even more in 2013.

Some highlights for 2012:

  • A new vehicle, one that we are hoping to keep for at least 8 years and have paid off by 2014.
  • A good number of home improvements, including new flooring in several rooms.  We saved a lot of money by doing these ourselves (for the most part), and I feel they really have increased the value of our home (although we don’t reflect it in our net worth estimates above).
  • We stayed well under budget on our vacations and got great value for the trips that we did go on.
  • We survived the summer of the broken appliances when both our oven range and clothes washer died within 45 days of each other.  Fortunately, we had enough of an emergency fund to deal with both of these events, but that emergency fund took several months to get back up to its previous level and is still about $250 shy.

The goal for next year is to break above $375,000 net worth.  We do have some job security issues that will (like it or not) be resolved in 2013, so that may derail us somewhat.



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