July 2016 Net Worth Report (+5.77%)

Aug 05, 2016 @ 06:03 pm by EMS

New Net Worth Increase Record!!

Thanks to a great month in the stock market and an unexpected inheritance, our net worth increased by almost $30,000 over the month.

Our credit card balance has increased to a point that I’m not comfortable with though.  Both of our vehicles needed new brakes and rotors over the month, so combined with some travel expenses, that balance has ballooned.  I’ve made a move to put things on our debit card and get these amounts paid down in August (we never carry a month-to-month balance on our cards).

We are looking for a shed to put in our yard, so we that expense might hit either August or September.

NW07312016

June 2016 Net Worth Report (-0.29%)

Jul 04, 2016 @ 12:52 pm by EMS

Due mostly to some expenses, we ended June 2016 down about 0.3%.  We had our yearly vacation (and man, Boston is an expensive city), along with the balance of some home improvements that we had done earlier in the Spring decrease our Cash & Savings balance for the month.  Combine that with the m’eh month for the stock market, and it was basically a tread water month.

I don’t expect anything crazy going on for July, so hopefully we can recover what was lost during the month.

Junw 2016 Net Worth

May 2016 Net Worth Report (2.03%)

Jun 08, 2016 @ 07:14 pm by EMS

Thanks primarily to market gains, our net worth increased by a hair over $10,000 over the month.  Our expenses for the month were the lowest monthly total of 2016, although that fails to include a $2,500 home improvement expense that I had expected for May, but was deferred until June due to our contractor’s inability to set timely invoices.

Our summer vacation will take place in June, so we will incur some travel expenses in that regard.  All of our lodging has already been paid for though, so it won’t be as bad as it might have been.

May 2016 Net Worth

April 2016 Net Worth Report (0.07%)

May 06, 2016 @ 06:57 pm by EMS

Well, we trod water this month.  Due to a bad month for my investments, in particular my large holding of Apple, our Roth IRA fared poorly against overall market performance.  Other than that, we didn’t do too bad.  Our credit card debt decreased even though we paid for a good share of our summer vacation on it, and our mortgages decreased by almost $575, so it is not all bad.

I expect that May will include about $2,500 in home improvements as we make the final payment on the flooring that was installed in April.

April 2016 Net Worth Report

March 2016 Net Worth Report (3.81%)

Apr 02, 2016 @ 08:36 am by EMS

Yay!!!  Finally hit the 500K net worth mark!

We did well with our investments this month, which gave us a nice bump to reach the 500K mark.  We also spent $2,500 on a down payment for a much-needed new flooring installation (the balance will be paid next month), and about $1,000 for a week long rental in the summer.

Let’s hope we can stay over the $500K mark this month.

 

March 2016 Net Worth Report

February 2016 Net Worth Report (1.29%)

Mar 05, 2016 @ 04:27 pm by EMS

Our net worth increased by a tad over $6,000 over the month, thus rebounding somewhat from our record negative loss last month.  This includes out 2015 tax refund, but we also paid for a summer vacation rental at a tad over $1,000 this month.  The $500,000 milestone is still somewhat in site, but it is definitely proving to be a difficult goal to reach!

February 2016 Net Worth Image

January 2016 Net Worth Report (-3.58%)

Feb 05, 2016 @ 09:12 pm by EMS

Ugh, so much for breaking the $500K mark this month.  What an ugly month.

The monthly loss of $17,683 is the single worst loss we have ever had since the site started.  Our 401Ks and Roth IRAs just got killed, and things aren’t looking much better through these first five days of February.

Our spending was on par, nothing major to report there.

I’m still somewhat positive though… I know that in the long run, this downturn in the market will probably be a good thing, as we will have more purchasing power, and the time that we need these investment dollars is likely a looooooonnnggg way off, but it is always a bit rough to get through.

 

January 2016 Net Worth Report

December 2015 Net Worth Report (+1.05%)

Jan 03, 2016 @ 07:06 pm by EMS

The final report for 2015 is a positive gain of just bit over $5,000.  However, the majority of this game was the result of previous months’ miscalculations (I had failed to include a newly opened retirement savings account in my reported totals).  If I hadn’t fixed that error this month, we’d actually be reporting a slight decrease.

As you can see, we managed to increase our net worth by 11.49% over the year, which is slightly less than our average yearly gain of 12.91%.  Given the stock market’s performance over the year though, this increase isn’t too bad.

I’m hoping to get over the $500,000 hurdle that we have been standing in front of the past several months in January.

December 2015 Net Worth

November 2015 Net Worth Report (+0.17%)

Dec 10, 2015 @ 04:37 pm by EMS

November was a pretty even month.  Our assets decreased by $484, but our liabilities decreased by about 3 times that much.  Spending was about average for this time of year, although we did take a quick trip out of town one weekend and incurred the associated travel expenses.

November 2015 Net Worth

October 2015 Net Worth Report (+5.63%)

Nov 05, 2015 @ 02:07 pm by EMS

New Record Month!

Thanks to the market’s recovery in October, we posted a net gain of just a tad over $26,000, which is a new record.  Granted, the net result only put us slightly over where we were in July of this year, but it still feels good.

Another highlight from the month is that we paid the final two payments on our van loan.  We now own two vehicles outright and all of our debt (except for our credit cards which we do not retain a monthly balance) is mortgage related.  We are also well on the way of having a fair amount of savings for when we do need to purchase a new vehicle, but I’m hoping we can hold off on that for at least another year.

October 2015 Net Worth Report

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