Debt is down.
Cash is up.
Investments are up.
Home Zestimate is down.

Debt is up.
Cash is down.
Investments are up.
Home Zestimate is down.



What is that? Is that a new low for my home value? Yes, I believe that is what we are seeing.

I actually took the time to note my net worth figures on 6/30/12, while I was on vacation in Hawaii!

Debt is up.
Cash is down.
Investments are up.
Home Zestimate is down.

Well, my Simple IRA money ($2,215.35) did not make it in time to show up on this net worth statement.

My cash is down due to paying for our Hawaii trip.

Investments are down due to market movements.

House value is down.

Car value is up. This continues to surprise me. I've done much better on the car I purchased new than the foreclosed house I purchased at a steep discount! Lol, who'd have ever suspected such a thing could be true?

Debt is down, but will soon jump up a little.

All in all, my net worth is sagging. It is frustrating, but ups and downs are to be expected. I am looking forward to my refi being done, switching my cell plan from AT & T to Ting, and switching my gym membership. Between the 3, I will be able to make nice increases to my monthly savings deposits.

A day early. The markets are closed tomorrow, and I will have to keep my wallet closed. After all, I want my reporting to be accurate.




The past few months have been kind. My cash is down as you can see. Investments are up. Housing value is up (amazing!). Debt is down.

I missed reporting last month due to illness.

Movement in the right direction.

Finally getting around to posting this one. Budget is next (sniff).

Blech! (How is that for commentary?)

Cash is up
Retirement accounts are down
Debt is down
Home value is up
Car value is down :/

Jumping the gun a tiny bit, but here is my net worth as of 7-31-11.



My car value continues to inexplicably creep up. Apparently, that made my home value jealous so it decided to creep up a tiny bit too.

My Roth at ING has now been folded into my Roth at Vanguard. Thanks to ImaSaver for alerting me to that $50 bonus.

My Betterment account is a taxable investment account. I have decided to go with a 40/60 stock/bond ratio. I am going to throw in just a little each month. I am counting these contributions as part of my regular savings contributions.

My credit card debt is now nicely consolidated at 0% until January 2013, so my plan is to pay in full no later than December 2012.

Nothing terribly earth-shattering here, I simply continue to plod along.

Well, credit card debt is up due to my class. Home value hits yet another new low.

Here is my monthly update. My car value has gone up again! I suppose it must be supply and demand at work. Gas prices have gone up, so fuel efficient cars are in demand. Not that it matters much as I intend to keep my car for many years to come.

Also, my home value inched up! What a good little house. I sure would like to see some more of that.

My credit card debt is lower, as previously reported.

I make my monthly retirement contributions but they have little impact. Its good old market gyrations that impact my current value, for better or worse.
Overall, not whole lot different than last month.

All in all, I have no complaints.

My retirement accounts have enjoyed a nice bump this month due to market moves and my annual employee matching.

My cash is up because I was paid my overtime yesterday and I haven't done anything with it yet.

My home value continues to find new lows. Goodie.

And here is my net worth report. Dipped back under 100k again.

My house value has hit a new low. It seems I say that every month!

I hadn't checked Kelley Blue Book for my car value in a few months and was surprised that it booked a few hundred higher. I must have put in the wrong mileage last time.

Well, I'm glad to be back over 100k. It's been about a year and a half since I was last over 100k net worth. Three years ago, I was closing in on 250k.

Ultimately, I would like to have a net worth of approximately 1 million (600k traditional IRA, 150k Roth, a paid for house). So at age 41, with a net worth approaching 250k, I felt very optimistic about reaching 1 million by age 65. I only needed my net worth to double twice in 24 years. Now I am 44, and to reach 1 million net worth by age 65, I need my net worth to double 3 times plus some more in 21 years.

Wow! What a difference 3 little years can make.

Here is my update:



Cash is up , debt is down , retirement accounts are up . House value is down . In fact, house value has hit a new low, according to Zillow.

The most my house has been worth while I have owned it is 250k, according to the full appraisal I had in February 2008 for my re-fi.

Notes:

1. "Cash in bank" is a summation of all cash accounts.
I keep the bulk of my cash at Ally to earn as much interest as I can.

2. "Trad IRAs" is a summation of my traditional IRA and my SIMPLE IRA, my employer's plan. These have the same exact purpose, providing monthly income post-retirement, so I view them as one pot of money.

3. I use Zillow to estimate my home value and Kelley Blue Book to estimate my car value.