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January 2017 net worth update

January 31st, 2017 at 07:48 am

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 5,534 pounds ($6,917)
NT's 401(k): $49,362
NT's Roth IRA: $16,574
AS's trad. IRA: $16,237
AS's Roth IRA: $33,935
AS's SEP IRA: $13,806
CJ's 401(k): $100,224
CJ's Roth IRA: $19,872
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $999,883

Debts:
US Mortgage: $399,535
Loan from friends (duplex): $9,000
UK Mortgage 1: $35,570
UK Mortgage 2: $7,499
UK Mortgage 3: $7,896
---
Total Debt: $459,500

Current Estimated Net Worth: $540,383

December 2016 estimate: $531,974

Change in net worth: +$8,409

Summary: Our assets are almost back up over a million again. The market was pretty strong this past month, but I'm not counting on this as long-term gains. Irrational exuberance that there's going to be a big economic boom thanks to destroying environmental regulations and workers' rights. Don't buy that it's good for the economy long term.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat and am in the process of a refi application on the duplex, so should get an assessment soon.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

December 2016 net worth update

December 30th, 2016 at 12:34 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($21,381)
#2: 20,501 pounds ($25,626)
#3: 5,523 pounds ($6,904)
NT's 401(k): $48,507
NT's Roth IRA: $16,222
AS's trad. IRA: $15,918
AS's Roth IRA: $31,858
AS's SEP IRA: $13,510
CJ's 401(k): $98,042
CJ's Roth IRA: $19,451
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $992,419

Debts:
US Mortgage: $400,222
Loan from friends (duplex): $9,000
UK Mortgage 1: $35,751
UK Mortgage 2: $7,536
UK Mortgage 3: $7,936
---
Total Debt: $460,445

Current Estimated Net Worth: $531,974

November 2016 estimate: $522,994

Change in net worth: +$8,980

Summary: Our assets are almost back up over a million again. The market was pretty strong this past month, but I'm not counting on this as long-term gains. Irrational exuberance that there's going to be a big economic boom thanks to destroying environmental regulations and workers' rights. Don't buy that it's good for the economy long term.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat and one for the US duplex, but no movement on them as yet. Their sale prices [if they sell] should give me a good idea of both properties' true worth.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

November 2016 net worth (a bit late)

December 3rd, 2016 at 10:04 am

I haven't worked on my budget since mid-November, so I'm catching up on a lot of tracking! Hopefully I get it all done today.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($21,381)
#2: 20,501 pounds ($25,626)
#3: 5,523 pounds ($6,904)
NT's 401(k): $47,324
NT's Roth IRA: $15,873
AS's trad. IRA: $15,593
AS's Roth IRA: $31,168
AS's SEP IRA: $10,935
CJ's 401(k): $95,549
CJ's Roth IRA: $19,031
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $984,384

Debts:
US Mortgage (duplex) $400,907
Loan from friends (duplex) $9,000
UK Mortgage 1: $35,932
UK Mortgage 2: $7,574
UK Mortgage 3: $7,976
---
Total Debt: $461,390

Current Estimated Net Worth: $522,994

October 2016 estimate: $513,295

Change in net worth: +$9,699

Summary: The market showed some gains this month, so we regained about a quarter of the net worth we lost last month due to my downgrading the value of the British pound. Two more good months and our assets should be up over a million again.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat and one for the US duplex, but no movement on them as yet. Their sale prices [if they sell] should give me a good idea of both properties' true worth.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

October 2016 net worth

November 2nd, 2016 at 08:10 am

Assets:
NT's UK pensions:
#1: 17,105 pounds ($21,381)
#2: 20,501 pounds ($25,626)
#3: 5,523 pounds ($6,904)
NT's 401(k): $45,526
NT's Roth IRA: $14,268
AS's trad. IRA: $15,380
AS's Roth IRA: $30,665
AS's SEP IRA: $10,762
CJ's 401(k): $91,383
CJ's Roth IRA: $18,730
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $975,625

Debts:
US Mortgage (duplex) $401,590
Loan from friends (duplex) $9,000
UK Mortgage 1: $36,112
UK Mortgage 2: $7,612
UK Mortgage 3: $8,016
---
Total Debt: $462,330

Current Estimated Net Worth: $513,295

August 2016 estimate: $556,383

Change in net worth: -$43,088

Summary: The market trended downward slightly, we managed to put quite a bit into our retirement -- but the biggest change was the currency exchange rate from $1.50 to $1.25 per British pound. Took our total assets below a million for the first time since May, and our net worth to its lowest since March. Ah well -- it's just a math thing. We'll build back up.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat and one for the US duplex, but no movement on them as yet. Their sale prices [if they sell] should give me a good idea of both properties' true worth.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

September 2016 net worth update

September 30th, 2016 at 03:25 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($25,658)
#2: 20,501 pounds ($30,752)
#3: 5,523 pounds ($8,284)
NT's 401(k): $45,820
NT's Roth IRA: $13,236
AS's trad. IRA: $15,662
AS's Roth IRA: $29,882
AS's SEP IRA: $10,964
CJ's 401(k): $93,365
CJ's Roth IRA: $16,429
NT's flat: 180,000 pounds ($270,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,030,052

Debts:
US Mortgage (duplex) $402,270
Loan from friends (duplex) $9,000
UK Mortgage 1: $43,551
UK Mortgage 2: $9,180
UK Mortgage 3: $9,668
---
Total Debt: $473,669

Current Estimated Net Worth: $556,383

August 2016 estimate: $550,362

Change in net worth: +$6,021

Summary: The market remained mostly flat, but we contributed a bunch to retirement and paid off nearly $1K of debt, so we saw a nice bump.

Notes on the numbers above: House value estimates are approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.50 for every British pound.

August 2016 net worth update

August 31st, 2016 at 12:23 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($25,658)
#2: 20,501 pounds ($30,752)
#3: 5,523 pounds ($8,284)
NT's 401(k): $44,856
NT's Roth IRA: $10,436
AS's trad. IRA: $15,685
AS's Roth IRA: $29,931
AS's SEP IRA: $9,735
CJ's 401(k): $93,312
CJ's Roth IRA: $16,369
NT's flat: 180,000 pounds ($270,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,025,018

Debts:
US Mortgage (duplex) $402,949
Loan from friends (duplex) $9,000
UK Mortgage 1: $43,766
UK Mortgage 2: $9,225
UK Mortgage 3: $9,716
---
Total Debt: $474,656

Current Estimated Net Worth: $550,362

July 2016 estimate: $543,746

Change in net worth: +$6,616

Summary: No huge gains anywhere but we contributed over $3K to retirement and paid off nearly $1K of debt, so we saw a nice bump.

Notes on the numbers above: House value estimates are approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.50 for every British pound.

July 2016 net worth update

July 29th, 2016 at 09:32 am

Assets:
NT's UK pensions:
#1: 17,105 pounds ($25,658)
#2: 20,501 pounds ($30,752)
#3: 5,523 pounds ($8,284)
NT's 401(k): $44,207
NT's Roth IRA: $10,327
AS's trad. IRA: $15,528
AS's Roth IRA: $29,607
AS's SEP IRA: $9,633
CJ's 401(k): $91,931
CJ's Roth IRA: $13,453
NT's flat: 180,000 pounds ($270,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,019,380

Total Debt: $475,634

Current Estimated Net Worth: $543,746

May 2016 estimate: $529,251

Change in net worth: +$14,495

Summary: I was shocked by this huge jump! I went back to make sure it was accurate, and it is. About $9K of it is due to retirement fund growth and contributions (including $2750 to AS's Roth). The other $5K is because I realize that last month, I switched the exchange rate on NT's pensions and home value but not on NT's mortgage debt. So changing the exchange rate from $1.60 to $1.50 gave us another $5K jump. Hard to believe it was that much!

Notes on the numbers above: House value estimates are approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.50 for every British pound.

June 2016 net worth update

June 24th, 2016 at 10:43 am

Doing this early since I won't get to it while we're on vacation in England ...

Assets:
NT's UK pensions:
#1: 17,105 pounds ($25,658)
#2: 20,501 pounds ($30,752)
#3: 4,452 pounds ($6,678)
NT's 401(k): $43,051
NT's Roth IRA: $10,168
AS's trad. IRA: $15,289
AS's Roth IRA: $26,367
AS's SEP IRA: $9,485
CJ's 401(k): $89,389
CJ's Roth IRA: $13,246
NT's flat: 180,000 pounds ($270,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,010,083

Total Debt: $480,832

Current Estimated Net Worth: $529,251

May 2016 estimate: $519,476

Change in net worth: +$9,775

Summary: Boy, what didn't happen this month?!? I revised our U.S. home value up, but also added $4K of debt to our friends (see previous post for explanation). I changed the British pound exchange rate from $1.60 to $1.50 in light of the EU nonsense. (Current rate is $1.37 but I do believe it'll stabilize from there, so I went with the general average of the past few years.) So NT's retirement and home values decreased. However, all our U.S. retirement accounts were up this morning (no doubt the Brexit panic will be reflected in tomorrow's balance, so I snuck in just in time!)

Lots of ups and downs, but overall gain of nearly $10K. And our assets are up over a million for the first time since we sold the condo!

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.50 for every British pound.

May 2016 net worth update

May 31st, 2016 at 09:51 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $42,311
NT's Roth IRA: $9,932
AS's trad. IRA: $15,051
AS's Roth IRA: $25,950
AS's SEP IRA: $8,315
CJ's 401(k): $87,425
CJ's Roth IRA: $13,025
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $997,301

Total Debt: $477,825

Current Estimated Net Worth: $519,476

April 2016 estimate: $515,079

Change in net worth: +$4,397

Summary: Pretty much a repeat of last month: The market had a (very) modest gain, so our net worth went up. I also put a bit toward AS's SEP IRA. I can't wait until we start contributing to our Roths again, so we can hopefully top a million in assets yet this year!

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

April 2016 net worth update

May 1st, 2016 at 09:23 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $41,444
NT's Roth IRA: $9,932
AS's trad. IRA: $14,950
AS's Roth IRA: $25,764
AS's SEP IRA: $7,679
CJ's 401(k): $85,900
CJ's Roth IRA: $12,939
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $993,900

Total Debt: $478,821

Current Estimated Net Worth: $515,079

March 2016 estimate: $511,362

Change in net worth: +$3,717

Summary: The market had a (very) modest gain, so our net worth went up. I can't wait until we start contributing to our Roths and AS's SEP IRA again, so we can hopefully top a million in assets yet this year!

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

March 2016 net worth update

March 31st, 2016 at 01:19 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $40,807
NT's Roth IRA: $9,845
AS's trad. IRA: $14,820
AS's Roth IRA: $25,524
AS's SEP IRA: $7,611
CJ's 401(k): $84,450
CJ's Roth IRA: $12,825
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $991,174

Total Debt: $479,812

Current Estimated Net Worth: $511,362

February 2016 estimate: $501,958

Change in net worth: +$9,404

Summary: Once again the market must have improved, because we didn't put that much away this past month, and we only paid the minimum on debt.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

February 2016 net worth update

March 2nd, 2016 at 10:09 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $39,411
NT's Roth IRA: $9,445
AS's trad. IRA: $14,164
AS's Roth IRA: $24,345
AS's SEP IRA: $7,259
CJ's 401(k): $80,540
CJ's Roth IRA: $12,304
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $982,760

Total Debt: $480,802

Current Estimated Net Worth: $501,958

January 2016 estimate: $496,064

Change in net worth: +$5,894

Summary: It's so funny how it works. We're postponing Roth contributions until the second half of the year, and yet our net worth saw a pretty good leap. Not recovering all of last month's loss, but up over half a million again.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

January 2016 net worth update

January 31st, 2016 at 07:22 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $38,321
NT's Roth IRA: $9,264
AS's trad. IRA: $13,981
AS's Roth IRA: $24,025
AS's SEP IRA: $7,162
CJ's 401(k): $77,738
CJ's Roth IRA: $12,068
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $977,851

Total Debt: $481,787

Current Estimated Net Worth: $496,064

December 2015 estimate: $503,350

Change in net worth: +$7,286

Summary: Aaaand, just like that, our net worth dips back below half a million. Sigh. Seems like we'll never get to a point where we stay at that level.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

December 2015 net worth update (3rd of many posts today)

December 31st, 2015 at 09:43 am

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $39,312
NT's Roth IRA: $9,817
AS's trad. IRA: $14,745
AS's Roth IRA: $24,047
AS's SEP IRA: $7,577
CJ's 401(k): $82,539
CJ's Roth IRA: $12,789
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $986,118

Total Debt: $482,768

Current Estimated Net Worth: $503,350

November 2015 estimate: $500,403

Change in net worth: +$2,947

Summary: Ever since I've had money to contribute to retirement, performance has been dismal. For instance, I contributed over $4K this month but our balances are only up $2K, which means we actually lost $2K in value. Oh well, buying low, buying low. At least I did contribute enough and pay off a bit of debt, so our net worth went up some.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

November 2015 net worth update

November 30th, 2015 at 07:44 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $39,700
NT's Roth IRA: $7,473
AS's trad. IRA: $14,959
AS's Roth IRA: $24,409
AS's SEP IRA: $6,082
CJ's 401(k): $83,878
CJ's Roth IRA: $12,363
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $984,156

Total Debt: $483,753

Current Estimated Net Worth: $500,403

October 2015 estimate: $496,161

Change in net worth: +$4,242

Summary: Our retirement accounts pretty much stagnated, but we made some contributions and paid down some debt, so our net worth finally inched up over the half-million mark!

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

October 2015 net worth update

November 1st, 2015 at 01:21 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $39,277
NT's Roth IRA: $7,405
AS's trad. IRA: $14,933
AS's Roth IRA: $24,368
AS's SEP IRA: $6,069
CJ's 401(k): $82,887
CJ's Roth IRA: $10,660
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $980,891

Total Debt: $484,730

Current Estimated Net Worth: $496,161

September 2015 estimate: $479,334

Change in net worth: +$16,827

Summary: Our retirement accounts haven't quite recovered their value (my 401(k) was up over $85K at one point and now is less than $83K), they've recovered enough to show the benefit of our recent contributions and debt paydown. We'd previously lost nearly $10K of net worth over two months; now we've made that back plus nearly $7K more.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

September 2015 net worth update

September 30th, 2015 at 10:15 am

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $36,077
NT's Roth IRA: $6,906
AS's trad. IRA: $13,845
AS's Roth IRA: $22,484
AS's SEP IRA: $4,706
CJ's 401(k): $75,895
CJ's Roth IRA: $9,835
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $965,040

Total Debt: $485,706

Current Estimated Net Worth: $479,334

August 2015 estimate: $486,035

Change in net worth: -$6,701

Summary: Despite dumping a couple thousand into retirement and paying off nearly a thousand of debt, our net worth is down -- more than doubly as bad as the $2800 dip we suffered from July to August. We've now lost nearly $10K in net worth value over two months. For a short while, our assets were worth more than twice our debt amount. That is no longer the case, since our net worth is now less than our debt amount.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

August 2015 net worth update

August 31st, 2015 at 12:43 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $36,811
NT's Roth IRA: $7,289
AS's trad. IRA: $14,557
AS's Roth IRA: $23,729
AS's SEP IRA: $6,041
CJ's 401(k): $80,072
CJ's Roth IRA: $8,926
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $972,717

Total Debt: $486,682

Current Estimated Net Worth: $486,035

July 2015 estimate: $488,922

Change in net worth: -$2,887

Summary: Well, as could be predicted, our net worth was down this month despite paying down some debt and dumping a few thousand dollars into our retirement accounts. Hopefully just a temporary slump.

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

July 2015 net worth update

July 31st, 2015 at 12:32 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $37,674
NT's Roth IRA: $7,681
AS's trad. IRA: $15,288
AS's Roth IRA: $24,853
AS's SEP IRA: $4,086
CJ's 401(k): $84,017
CJ's Roth IRA: $7,681
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $976,572

Total Debt: $487,650

Current Estimated Net Worth: $488,922

Last estimate (mid-June): $485,086

Change in net worth: +$3,836

Summary: Nice bump in net worth. Since I updated my net worth schedule and already noted July 1 debt repayment, the debt amount didn't change at all, so this is entirely retirement gains and new contributions. I would like to see our retirement account value increasing by $5K-$6K per month, but I'll take $3800 for now. I'll continue to get more aggressive about contributions as more money is freed up in our regular budget.

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

June 2015 net worth (starting new schedule)

July 4th, 2015 at 12:06 pm

I've decided to update net worth at the end of each month instead of mid-Month. I only started that schedule randomly. It makes more sense to do it this way! I'm a couple days late on it; next month I'll try to do it Aug. 1 or thereabouts.

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $36,967
NT's Roth IRA: $7,673
AS's trad. IRA: $15,258
AS's Roth IRA: $22,625
AS's SEP IRA: $4,082
CJ's 401(k): $83,166
CJ's Roth IRA: $7,673
NT's flat: 180,000 pounds ($288,000)
CJ/NT/AS house: $440,000
---
Total Assets: $972,736

Total Debt: $487,650

Current Estimated Net Worth: $485,086

Last estimate (mid-June): $420,169

Change in net worth: +$64,917

Summary: Even more awesome change in net worth! Our retirement accounts stagnated, but we got an update on NT's flat's value. Similar units are now selling at 200,000 pounds! I decided to shave 10% off that value for the purposes of the net worth, since it would cost something if we decided to sell it. Even with taking off 10%, our net worth still increased nearly $65K, and our assets are approaching $1M at a good clip.

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

June 2015 net worth update

June 16th, 2015 at 09:12 am

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $36,894
NT's Roth IRA: $7,705
AS's trad. IRA: $15,316
AS's Roth IRA: $22,728
AS's SEP IRA: $4,099
CJ's 401(k): $83,051
CJ's Roth IRA: $7,705
NT's flat: 140,000 pounds ($224,000)
CJ/NT/AS house: $440,000
---
Total Assets: $908,790

Total Debt: $488,621

Current Estimated Net Worth: $420,169

May 2015 estimate: $381,007

Change in net worth: +$39,162

Summary: Awesome change in net worth, though it could have been even better. I started a new retirement account for AS with nearly $4100 in it and added $1800 to her Roth as well as my and NT's regular 401(k) contributions, but we lost over $3000 total among our other retirement account values. We paid off over $39,000 of debt, but also added over $3000 of debt to the duplex mortgage when we refinanced.

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

May 2015 net worth update

May 18th, 2015 at 10:58 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $37,098
NT's Roth IRA: $7,888
AS's trad. IRA: $15,613
AS's Roth IRA: $21,399
CJ's 401(k): $84,582
CJ's Roth IRA: $7,888
NT's flat: 140,000 pounds ($224,000)
CJ/NT/AS house: $440,000
---
Total Assets: $905,760

Total Debt: $524,753

Current Estimated Net Worth: $381,007

April 2015 estimate: $377,561

Change in net worth: +$3,446

Summary: Modest gains and modest debt paydown equals a modest change.

Starting next month our retirement funds will increase faster. I can't wait!

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

April 2015 net worth update

April 15th, 2015 at 01:19 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $36,631
NT's Roth IRA: $7,780
AS's trad. IRA: $15,460
AS's Roth IRA: $21,106
CJ's 401(k): $82,872
CJ's Roth IRA: $7,780
NT's flat: 140,000 pounds ($224,000)
CJ/NT/AS house: $440,000
---
Total Assets: $902,921

Total Debt: $525,360

Current Estimated Net Worth: $377,561

February 2015 estimate: $366,009

Change in net worth: +$11,552

Summary: Apparently all our recent property doings -- including selling the condo at a loss -- and shifting around of debt did have a net positive effect! Some of this gain was due to decent performance of our retirement accounts, but a lot of it was from debt reduction.

It was kind of fun to have our assets worth over a million bucks, and now with the condo sale they're below that. But we'll get up there again eventually! At least our debt is getting close to going below the half-million mark. That'll be a relief.

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound..60 for every British pound.

March 2015 net worth update

March 16th, 2015 at 10:48 am

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $35,779
NT's Roth IRA: $7,480
AS's trad. IRA: $15,026
AS's Roth IRA: $20,078
CJ's 401(k): $80,016
CJ's Roth IRA: $7,480
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $140,000
CJ/NT/AS house: $440,000
---
Total Assets: $1,037,151

Total Debt: $671,142

Current Estimated Net Worth: $366,009

February 2015 estimate: $365,298

Change in net worth: +$711

Summary: This teeny-weeny net worth increase was only due to paying off debt. Our retirement values actually decreased slightly this month, losing more value than the money we put into them. Ouch!

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound..60 for every British pound.

February 2015 net worth update

February 16th, 2015 at 08:18 am

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $35,076
NT's Roth IRA: $7,596
AS's trad. IRA: $15,221
AS's Roth IRA: $20,387
CJ's 401(k): $80,900
CJ's Roth IRA: $7,596
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $140,000
CJ/NT/AS house: $440,000
---
Total Assets: $1,038,068

Total Debt: $672,770

Current Estimated Net Worth: $365,298

December 2014 estimate: $360,289

Change in net worth: +$5,009

Summary: The market dipped up, so we had a modest gain, even though we haven't upped our retirement contributions yet. Can't wait to see those numbers really start to climb!

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound..60 for every British pound.

January 2015 net worth update

January 25th, 2015 at 07:05 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $35,088
NT's Roth IRA: $7,421
AS's trad. IRA: $14,931
AS's Roth IRA: $19,924
CJ's 401(k): $78,562
CJ's Roth IRA: $7,421
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $140,000
CJ/NT/AS house: $440,000
---
Total Assets: $1,034,639

Total Debt: $674,350

Current Estimated Net Worth: $360,289

December 2014 estimate: $352,268

Change in net worth: +$8,021

Summary: I almost forgot to do net worth this month! The market dipped up, so we're doing better now.

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound..60 for every British pound.

December 2014 net worth update

December 16th, 2014 at 02:14 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $33,447
NT's Roth IRA: $7,167
AS's trad. IRA (V): $12,865
AS's trad. IRA (E): $1,682
AS's Roth IRA: $19,243
CJ's 401(k): $75,334
CJ's Roth IRA: $7,167
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $140,000
CJ/NT/AS house: $440,000
---
Total Assets: $1,028,197

Total Debt: $675,929

Current Estimated Net Worth: $352,268

November 2014 estimate: $363,981

Change in net worth: -$11,713

Summary: The market dipped down again and we lost about half the net worth we gained last month. Overall it's been a stagnant couple of months, then.

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound..60 for every British pound.

November 2014 net worth update

November 16th, 2014 at 02:27 pm

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 20,501 pounds ($32,801)
#3: 4,452 pounds ($7,123)
NT's 401(k): $33,536
NT's Roth IRA: $7,393
AS's trad. IRA (V): $13,240
AS's trad. IRA (E): $1,682
AS's Roth IRA: $19,848
CJ's 401(k): $76,954
CJ's Roth IRA: $7,393
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $140,000
CJ/NT/AS house: $440,000
---
Total Assets: $1,031,338

Total Debt: $667,357

Current Estimated Net Worth: $363,981

October 2014 estimate: $339,481

Change in net worth: +$24,500

Summary: The market turned upward again and we reversed the losses of last month plus added some value. One of NT's UK accounts sent a statement which boosted its value, and his company gave some bonus 401(k) money as well. All in all, a great month for net worth!

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound..60 for every British pound.

October 2014 net worth update

October 15th, 2014 at 09:05 am

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 19,653 pounds ($31,445)
#3: 4,452 pounds ($7,123)
NT's 401(k): $31,033
NT's Roth IRA: $6,930
AS's 401(k): $12,979
AS's trad. IRA: $1,682
AS's Roth IRA: $18,605
CJ's 401(k): $70,465
CJ's Roth IRA: $6,930
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $140,000
CJ/NT/AS house: $440,000
---
Total Assets: $1,018,560

Total Debt: $679,079

Current Estimated Net Worth: $339,481

September 2014 estimate: $351,278

Change in net worth: -$11,797

Summary: Debt repayment couldn't outpace the market downturn that hit all our retirement funds, especially since we haven't been contributing anything to our Roths. Also, I downgraded the value of the US condo to our current sale price (though it's going to end up being worth less than that with the money we have to pay to sell it).

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound..60 for every British pound.

September 2014 net worth update

September 18th, 2014 at 10:05 am

Assets:
NT's UK pensions:
#1: 17,105 pounds ($27,368)
#2: 19,653 pounds ($31,445)
#3: 4,452 pounds ($7,123)
NT's 401(k): $31,883
NT's Roth IRA: $7,381
AS's 401(k): $13,842
AS's trad. IRA: $1,682
AS's Roth IRA: $19,809
CJ's 401(k): $75,028
CJ's Roth IRA: $7,381
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
CJ/NT/AS house: $440,000
---
Total Assets: $1,031,942

Total Debt: $680,664

Current Estimated Net Worth: $351,278

August 2014 estimate: $346,493

Change in net worth: +4,785

Summary: Some decent gains to retirement despite the fact we aren't contributing as much right now. Also some nice debt reduction helped.

I'll update the Individual Net Worth page shortly, breaking it out by person.

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound..60 for every British pound.


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