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Viewing the 'Tracking Net Worth' Category
June 1st, 2020 at 01:14 am
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $85,506
NT's Roth IRA: $41,775
AS's trad. IRA: $20,447
AS's Roth IRA: $62,200
AS's SEP IRA: $44,055
CJ's 401(k): $151,556
CJ's Roth IRA: $46,042
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,163,745
Debts:
US Mortgage $370,357
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,311
UK Mortgage 2 $5,968
UK Mortgage 3 $6,285
---
TOTAL DEBT $419,921
Current Estimated Net Worth: $743,824
April 2020 estimate: $703,686
Change in net worth: +$40,138
Summary: We lost $85K total value in February and March, and have gained about $72K back, so we're about $13K off from our pre-pandemic high.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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May 1st, 2020 at 03:36 am
Wow, I see that for the first time...ever? I forgot to record my debt payments for the month. Oh well. I'll do two months' worth when I do May's mortgage payments. If I even remember to. Heh. Time is weird these days.
Anyway, let me do my net worth update before I forget THAT too!
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,254
NT's Roth IRA: $39,397
AS's trad. IRA: $19,582
AS's Roth IRA: $58,914
AS's SEP IRA: $42,088
CJ's 401(k): $126,862
CJ's Roth IRA: $43,474
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,124,735
Debts:
US Mortgage $371,129
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,503
UK Mortgage 2 $6,048
UK Mortgage 3 $6,369
---
TOTAL DEBT $421,049
Current Estimated Net Worth: $703,686
March 2020 estimate: $671,958
Change in net worth: +$31,728
Summary: We lost $85K total value in February and March, and gained almost $32K here, so we're about $53K off from our pre-pandemic high.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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April 1st, 2020 at 03:31 pm
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $75,245
NT's Roth IRA: $35,213
AS's trad. IRA: $17,852
AS's Roth IRA: $52,913
AS's SEP IRA: $34,803
CJ's 401(k): $126,862
CJ's Roth IRA: $38,910
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,093,962
Debts:
US Mortgage $371,898
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,689
UK Mortgage 2 $6,048
UK Mortgage 3 $6,369
---
TOTAL DEBT $422,004
Current Estimated Net Worth: $671,958
February 2020 estimate: $726,548
Change in net worth: -$54,590
Summary: Last month we lost $31K, $54K this month, $85K total so far. We're about where we were last May. Repeating my mantra: buying low, buying low, buying low...
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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March 2nd, 2020 at 05:19 am
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,905
NT's Roth IRA: $40,104
AS's trad. IRA: $20,412
AS's Roth IRA: $60,498
AS's SEP IRA: $40,131
CJ's 401(k): $149,001
CJ's Roth IRA: $44,368
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,149,583
Debts:
US Mortgage $372,665
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,874
UK Mortgage 2 $6,086
UK Mortgage 3 $6,410
---
TOTAL DEBT $423,035
Current Estimated Net Worth: $726,548
January 2020 estimate: $757,758
Change in net worth: -$31,210
Summary: Considering the news about the Dow crash and everything, I guess it's good that I've only lost about two and a half months' worth of gains. Will be buying low, buying low, buying low...
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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February 1st, 2020 at 05:01 am
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $87,170
NT's Roth IRA: $42,969
AS's trad. IRA: $21,755
AS's Roth IRA: $64,813
AS's SEP IRA: $42,998
CJ's 401(k): $162,413
CJ's Roth IRA: $47,537
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,181,819
Debts:
US Mortgage $373,430
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,056
UK Mortgage 2 $6,125
UK Mortgage 3 $6,450
---
TOTAL DEBT $424,061
Current Estimated Net Worth: $757,758
December 2019 estimate: $755,732
Change in net worth: +$2,026
Summary: After a couple big months, gaining $2K doesn't seem like much, but given all the uncertainty out there, I'll take it of course!
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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December 31st, 2019 at 03:41 pm
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $86,522
NT's Roth IRA: $43,321
AS's trad. IRA: $21,896
AS's Roth IRA: $64,340
AS's SEP IRA: $45,359
CJ's 401(k): $160,289
CJ's Roth IRA: $46,926
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
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TOTAL ASSETS: $1,180,817
Debts:
US Mortgage $374,193
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,238
UK Mortgage 2 $6,164
UK Mortgage 3 $6,490
---
TOTAL DEBT $425,085
Current Estimated Net Worth: $755,732
November 2019 estimate: $730,941
Change in net worth: +$24,791
Summary: A really big month propelled us past the three-quarter-million net worth mark! Part of it was AS's quarterly retirement contribution -- she had a huge fourth quarter so I put in over $4K. I know volatility is still on the horizon but it's waited awhile, so I'll enjoy the gains while I can!
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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December 3rd, 2019 at 03:45 pm
I was so busy last month that I'm late on my update. Therefore some retirement contributions that would ordinarily show up in my December net worth update will be here. This note will remind me not to be disappointed at our progress end of December!
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,940
NT's Roth IRA: $40,895
AS's trad. IRA: $21,198
AS's Roth IRA: $62,163
AS's SEP IRA: $37,479
CJ's 401(k): $154,863
CJ's Roth IRA: $45,345
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,157,047
Debts:
US Mortgage $374,953
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,421
UK Mortgage 2 $6,201
UK Mortgage 3 $6,531
---
TOTAL DEBT $426,106
Current Estimated Net Worth: $730,941
October 2019 estimate: $718,815
Change in net worth: +$12,126
Summary: Another good month, also bolstered by the fact that December contributions got in here as well. I'll enjoy the gains while I can!
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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October 31st, 2019 at 03:30 pm
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,176
NT's Roth IRA: $39,305
AS's trad. IRA: $20,906
AS's Roth IRA: $60,273
AS's SEP IRA: $36,925
CJ's 401(k): $151,644
CJ's Roth IRA: $43,689
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,145,941
Debts:
US Mortgage $375,712
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,603
UK Mortgage 2 $6,240
UK Mortgage 3 $6,571
---
TOTAL DEBT $427,126
Current Estimated Net Worth: $718,815
September 2019 estimate: $707,736
Change in net worth: +$11,079
Summary: Another good month; I'll enjoy the gains while I can and then try to focus on how I'm buying low during the recession! It's only a matter of time before it hits...
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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October 9th, 2019 at 05:22 pm
Originally posted
September 1st, 2019 at 09:02 pm
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $78,579
NT's Roth IRA: $37,121
AS's trad. IRA: $20,071
AS's Roth IRA: $57,186
AS's SEP IRA: $31,975
AS's cash: $2,259
CJ's 401(k): $144,812
CJ's Roth IRA: $41,317
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,124,343
Debts:
US Mortgage $377,973
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,146
UK Mortgage 2 $6,355
UK Mortgage 3 $6,693
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TOTAL DEBT $430,167
Current Estimated Net Worth: $694,176
July 2019 estimate: $700,039
Change in net worth: -$5,863
Summary: Well, our $700K milestone was short-lived...all our accounts lost worth, and our contributions couldn't keep up. Plus, we already calculated August debt repayment in our July net worth, so we didn't have a reduced debt number to offset the market losses.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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October 9th, 2019 at 05:19 pm
Originally posted
May 31st, 2019 at 12:56 pm
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $73,847
NT's Roth IRA: $33,922
AS's trad. IRA: $19,371
AS's Roth IRA: $53,813
AS's SEP IRA: $30,041
AS's cash: $2,259
CJ's 401(k): $137,532
CJ's Roth IRA: $38,476
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,100,284
Debts:
US Mortgage $379,470
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,508
UK Mortgage 2 $6,431
UK Mortgage 3 $6,773
---
TOTAL DEBT $432,182
Current Estimated Net Worth: $668,102
April 2019 estimate: $680,223
Change in net worth: -$12,121
Summary: Last month I was excited to gain nearly $22K in net worth. This month we lost nearly half of that. Market volatility is no joke and it just gets more pronounced the more skin in the game you have! Frown
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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October 9th, 2019 at 05:01 pm
Originally posted
July 31st, 2019 at 09:26 am
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $78,908
NT's Roth IRA: $37,071
AS's trad. IRA: $20,530
AS's Roth IRA: $57,666
AS's SEP IRA: $32,810
AS's cash: $2,259
CJ's 401(k): $148,563
CJ's Roth IRA: $41,376
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,130,206
Debts:
US Mortgage $377,973
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,146
UK Mortgage 2 $6,355
UK Mortgage 3 $6,693
-----
TOTAL DEBT $430,167
Current Estimated Net Worth: $700,039
May 2019 estimate: $698,769
Change in net worth: +$1,270
Summary: Our net worth stayed almost exactly the same. I realized that since I checked June balances on July 6, I already captured July Roth contributions and debt payments as part of the big leap in net worth we had last month, so that makes sense. The existing values of our funds are flat from when I checked them last.
Nevertheless, it was enough to tip us past an exciting milestone--over $700K in net worth!
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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October 9th, 2019 at 04:46 pm
Originally posted
April 30th, 2019 at 09:06 am
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $75,205
NT's Roth IRA: $35,010
AS's trad. IRA: $20,205
AS's Roth IRA: $55,304
AS's SEP IRA: $31,447
AS's cash: $2,259
CJ's 401(k): $143,702
CJ's Roth IRA: $39,254
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,113,409
Debts:
US Mortgage $380,215
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,689
UK Mortgage 2 $6,469
UK Mortgage 3 $6,813
---
TOTAL DEBT $433,186
Current Estimated Net Worth: $680,223
March 2019 estimate: $658,359
Change in net worth: +$21,864
Summary: It was a huge month for net worth! All our retirement accounts posted gains, and I caught up on a couple years' worth of gains on one of NT's UK accounts.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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October 1st, 2019 at 08:17 pm
Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $80,969
NT's Roth IRA: $38,300
AS's trad. IRA: $20,410
AS's Roth IRA: $58,738
AS's SEP IRA: $33,731
AS cash: $2,259
CJ's 401(k): $147,876
CJ's Roth IRA: $42,573
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,135,879
Debts:
US Mortgage $376,468
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,785
UK Mortgage 2 $6,279
UK Mortgage 3 $6,611
---
TOTAL DEBT $428,143
Current Estimated Net Worth: $707,736
August 2019 estimate: ???
Change in net worth: +???
Summary: I know our net worth went up because we've never been above $700K before, but I'm not sure how much because my August/September blog entries are gone. Ah well, it's great news regardless!
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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March 31st, 2019 at 07:40 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $72,797
NT's Roth IRA: $33,475
AS's trad. IRA: $19,642
AS's Roth IRA: $53,167
AS's SEP IRA: $31,640
CJ's 401(k): $138,748
CJ's Roth IRA: $37,592
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,092,547
Debts:
US Mortgage $380,958
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,869
UK Mortgage 2 $6,508
UK Mortgage 3 $6,853
---
TOTAL DEBT $434,188
Current Estimated Net Worth: $658,359
January 2019 estimate: $652,740
Change in net worth: +$5,619
Summary: Most of our retirement accounts stayed flat but we eked out a modest gain this past month.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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March 2nd, 2019 at 03:51 am
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $71,789
NT's Roth IRA: $32,737
AS's trad. IRA: $19,485
AS's Roth IRA: $52,785
AS's SEP IRA: $31,416
CJ's 401(k): $136,909
CJ's Roth IRA: $37,325
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,087,932
Debts:
US Mortgage $381,699
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,053
UK Mortgage 2 $6,546
UK Mortgage 3 $6,894
---
TOTAL DEBT $435,192
Current Estimated Net Worth: $652,740
January 2019 estimate: $638,085
Change in net worth: +$14,655
Summary: We reached our 2018 goal, 2 months late, temporarily anyway: over $650K in net worth!
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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February 1st, 2019 at 09:52 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $69,771
NT's Roth IRA: $31,272
AS's trad. IRA: $18,946
AS's Roth IRA: $50,746
AS's SEP IRA: $30,489
CJ's 401(k): $131,822
CJ's Roth IRA: $35,739
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,074,271
Debts:
US Mortgage $382,438
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,231
UK Mortgage 2 $6,584
UK Mortgage 3 $6,933
---
TOTAL DEBT $436,186
Current Estimated Net Worth: $638,085
December 2018 estimate: $608,883
Change in net worth: +$29,202
Summary: A lot of our retirement funds recovered, so our net worth is now at its highest yet! Still not at the $650K we were hoping to reach in 2018, and I'm sure we're way behind on our retirement goal (which I'll update shortly if there's been any positive progress), but all things considered, we recovered nicely from the crater of late 2018. I don't take it for granted though; I think there's a lot of volatility ahead.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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December 31st, 2018 at 05:14 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $65,000
NT's Roth IRA: $28,427
AS's trad. IRA: $17,592
AS's Roth IRA: $45,967
AS's SEP IRA: $31,914
CJ's 401(k): $119,579
CJ's Roth IRA: $32,096
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,046,061
Debts:
US Mortgage $383,174
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,410
UK Mortgage 2 $6,621
UK Mortgage 3 $6,973
---
TOTAL DEBT $437,178
Current Estimated Net Worth: $608,883
November 2018 estimate: $626,147
Change in net worth: -$17,264
Summary: We lost last month’s clawback and then some. Sigh. We’re essentially where we were at the end of June. Not a great way to end the year, but oh well.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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December 2nd, 2018 at 10:56 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $68,536
NT's Roth IRA: $30,623
AS's trad. IRA: $18,848
AS's Roth IRA: $49,538
AS's SEP IRA: $26,427
CJ's 401(k): $130,284
CJ's Roth IRA: $34,576
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,064,318
Debts:
US Mortgage $383,909
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,590
UK Mortgage 2 $6,659
UK Mortgage 3 $7,013
---
TOTAL DEBT $438,171
Current Estimated Net Worth: $626,147
August 2018 estimate: $615,442
Change in net worth: $10,705
Summary: We made up about half the net worth we lost last month, partly through modest fund recovery, plus debt repayment and retirement contributions.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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November 1st, 2018 at 03:51 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $67,114
NT's Roth IRA: $28,786
AS's trad. IRA: $18,563
AS's Roth IRA: $48,747
AS's SEP IRA: $26,010
CJ's 401(k): $127,220
CJ's Roth IRA: $32,672
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,054,601
Debts:
US Mortgage $384,641
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,769
UK Mortgage 2 $6,696
UK Mortgage 3 $7,053
---
TOTAL DEBT $439,159
Current Estimated Net Worth: $615,442
August 2018 estimate: $635,925
Change in net worth: -$20,483
Summary: Not a fun month to total up. Despite a $2K gain in a UK pension's value and paying off nearly a thousand in debt, our net worth tanked by over $20K over the past month. It's now about where it was in mid-July. Performance-wise, this month erased the gains of the entire year; all our account performances are minus 0.5-2% for the period beginning Jan. 1. But since we've been contributing to retirement and paying down debt, it didn't erase all of the net worth progress of this year.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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October 1st, 2018 at 06:53 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $70,321
NT's Roth IRA: $30,975
AS's trad. IRA: $19,888
AS's Roth IRA: $51,078
AS's SEP IRA: $27,988
CJ's 401(k): $137,166
CJ's Roth IRA: $35,156
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,076,070
Debts:
US Mortgage $385,371
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,948
UK Mortgage 2 $6,735
UK Mortgage 3 $7,091
---
TOTAL DEBT $440,145
Current Estimated Net Worth: $635,925
August 2018 estimate: $629,727
Change in net worth: +$6,198
Summary: OK gains this month, mainly due to debt payment and retirement contributions, not market growth. My 2018 net worth goal of $650K still seems within the realm of possibility! We would only need to gain about $4700 per month October-December to get there...
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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August 31st, 2018 at 02:23 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $68,397
NT's Roth IRA: $29,585
AS's trad. IRA: $19,887
AS's Roth IRA: $51,051
AS's SEP IRA: $26,374
CJ's 401(k): $136,923
CJ's Roth IRA: $35,141
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,070,856
Debts:
US Mortgage $386,099
Loan from friends (duplex) $9,000
UK Mortgage 1 $32,126
UK Mortgage 2 $6,773
UK Mortgage 3 $7,131
---
TOTAL DEBT $441,129
Current Estimated Net Worth: $629,727
July 2018 estimate: $618,678
Change in net worth: +$11,049
Summary: Pretty big gains this month, almost as much as last month. My 2018 net worth goal seems a lot more within the realm of possibility!
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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July 31st, 2018 at 08:09 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $66,580
NT's Roth IRA: $29,132
AS's trad. IRA: $19,592
AS's Roth IRA: $50,267
AS's SEP IRA: $25,970
CJ's 401(k): $132,522
CJ's Roth IRA: $33,229
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,060,790
Debts:
US Mortgage $386,825
Loan from friends (duplex) $9,000
UK Mortgage 1 $32,306
UK Mortgage 2 $6,810
UK Mortgage 3 $7,171
---
TOTAL DEBT $442,112
Current Estimated Net Worth: $618,678
June 2018 estimate: $607,461
Change in net worth: +$11,217
Summary: Pretty big gains this month, which helps offset last month's stagnation. If this pace were maintained the rest of the year, I'd reach my net worth goal and come close to my retirement target for the year. Doubtful but I suppose within the realm of possibility!
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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July 5th, 2018 at 09:10 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $64,859
NT's Roth IRA: $28,363
AS's trad. IRA: $19,113
AS's Roth IRA: $47,581
AS's SEP IRA: $25,285
CJ's 401(k): $129,506
CJ's Roth IRA: $32,353
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,050,558
US Mortgage $387,549
Loan from friends (duplex) $9,000
UK Mortgage 1 $32,488
UK Mortgage 2 $6,849
UK Mortgage 3 $7,211
---
TOTAL DEBT $443,097
Current Estimated Net Worth: $607,461
April 2018 estimate: $607,337
Change in net worth: +$124
Summary: This paltry increase in net worth is due to paying off nearly $1K in debt. Most of our retirement accounts lost a small amount of value this month.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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June 2nd, 2018 at 08:42 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $64,604
NT's Roth IRA: $27,429
AS's trad. IRA: $19,383
AS's Roth IRA: $48,321
AS's SEP IRA: $25,687
CJ's 401(k): $129,635
CJ's Roth IRA: $32,856
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,051,413
US Mortgage $388,270
Loan from friends (duplex) $9,000
UK Mortgage 1 $32,669
UK Mortgage 2 $6,886
UK Mortgage 3 $7,251
---
TOTAL DEBT $444,076
Current Estimated Net Worth: $607,337
April 2018 estimate: $596,325
Change in net worth: +$11,012
Summary: Finally some real recovery in our retirement accounts! We passed another net worth milestone, $600K, which means we have an average of $200K per person in net worth.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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May 1st, 2018 at 03:08 am
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $63,240
NT's Roth IRA: $26,961
AS's trad. IRA: $19,162
AS's Roth IRA: $47,743
AS's SEP IRA: $23,603
CJ's 401(k): $126,091
CJ's Roth IRA: $31,085
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,041,383
US Mortgage $388,990
Loan from friends (duplex) $9,000
UK Mortgage 1 $32,850
UK Mortgage 2 $6,925
UK Mortgage 3 $7,293
---
TOTAL DEBT $445,058
Current Estimated Net Worth: $596,325
March 2018 estimate: $588,981
Change in net worth: +$7,344
Summary: We had an OK month, and we're almost back to the January high. But since some of that is debt paydown, I know our retirement assets haven't fully rebounded and won't bother checking in on our retirement goal this month.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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April 1st, 2018 at 12:12 am
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $62,357
NT's Roth IRA: $26,841
AS's trad. IRA: $18,996
AS's Roth IRA: $45,908
AS's SEP IRA: $22,102
CJ's 401(k): $124,529
CJ's Roth IRA: $30,782
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,035,013
US Mortgage $389,707
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,029
UK Mortgage 2 $6,963
UK Mortgage 3 $7,333
---
TOTAL DEBT $446,032
Current Estimated Net Worth: $588,981
February 2018 estimate: $590,997
Change in net worth: -$2,016
Summary: Another decrease this month, though not nearly as bad as last month's crash. Hopefully things are stabilizing!
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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March 1st, 2018 at 05:25 am
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $62,676
NT's Roth IRA: $25,789
AS's trad. IRA: $19,394
AS's Roth IRA: $46,954
AS's SEP IRA: $22,606
CJ's 401(k): $125,603
CJ's Roth IRA: $31,484
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,038,007
US Mortgage $390,423
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,213
UK Mortgage 2 $7,001
UK Mortgage 3 $7,373
---
TOTAL DEBT $447,010
Current Estimated Net Worth: $590,997
January 2018 estimate: $596,482
Change in net worth: -$5,485
Summary: We had a good run, but the market correction caught up with us a bit. Even with paying off nearly a grand in debt and adding at least $2K to retirement, we suffered a setback in our net worth. Probably not as bad as it was at its lowest point; I didn't check during those chaotic Dow days.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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February 1st, 2018 at 06:56 am
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $63,861
NT's Roth IRA: $26,837
AS's trad. IRA: $19,941
AS's Roth IRA: $48,344
AS's SEP IRA: $22,278
CJ's 401(k): $128,658
CJ's Roth IRA: $31,046
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,044,463
US Mortgage $391,136
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,393
UK Mortgage 2 $7,039
UK Mortgage 3 $7,413
---
TOTAL DEBT $447,981
Current Estimated Net Worth: $596,482
December 2017 estimate: $581,608
Change in net worth: +$14,874
Summary: Well, still riding the wave of the stock markets, wondering when it will crest. Maybe I'll get to $600K next month if it doesn't completely tank.
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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December 30th, 2017 at 12:56 am
We won't see any more movement on our assets or debt for the year, so I thought I'd total up our net worth a little early.
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $61,822
NT's Roth IRA: $25,618
AS's trad. IRA: $19,105
AS's Roth IRA: $44,800
AS's SEP IRA: $22,231
CJ's 401(k): $123,753
CJ's Roth IRA: $29,728
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,030,555
US Mortgage $391,847
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,571
UK Mortgage 2 $7,076
UK Mortgage 3 $7,453
---
TOTAL DEBT $448,947
Current Estimated Net Worth: $581,608
November 2017 estimate: $569,850
Change in net worth: +$11,758
Summary: Another big leap! Were it not for devaluing our US duplex earlier in the year, we would have blown past our $600K net worth goal for the year. We didn't make it, but I'm happy with where we are. I have a feeling we now undervalue our duplex, but better that than the alternative. If I get anything I feel is definitive proof, I'll updated our home value next year.
Compared with the end of 2016, here's how our net worth numbers fared in 2017:
Total Assets:
2016 $992,419
2017 $1,030,555
Change $38,136
Total Debt:
2016 $460,445
2017 $448,947
Change $11,498
Net Worth:
2016 $531,974
2017 $581,608
Change $49,634
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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November 30th, 2017 at 04:49 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $60,003
NT's Roth IRA: $23,824
AS's trad. IRA: $18,807
AS's Roth IRA: $44,069
AS's SEP IRA: $19,484
CJ's 401(k): $120,918
CJ's Roth IRA: $29,162
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,019,765
US Mortgage $392,556
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,751
UK Mortgage 2 $7,115
UK Mortgage 3 $7,493
---
TOTAL DEBT $449,915
Current Estimated Net Worth: $569,850
October 2017 estimate: $561,332
Change in net worth: +$8,518
Summary: Not as huge a jump as the previous two months, but still good. And, we got our debt below $450K! That means the only financial goals we haven't reached this year are getting NT's 401(k) up to 10% and getting our net worth above $600K. (And refinancing the duplex, which turned out to not be a good option.)
Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.
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