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Viewing the 'Tracking Net Worth' Category
November 1st, 2017 at 09:29 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): $58,806
NT's Roth IRA: $23,454
AS's trad. IRA: $18,537
AS's Roth IRA: $43,401
AS's SEP IRA: $19,182
CJ's 401(k): $118,001
CJ's Roth IRA: $27,337
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: $1,012,216
Debts:
US Mortgage $393,263
Loan from friends (duplex) $9,000
UK Mortgage 1 $33,934
UK Mortgage 2 $7,154
UK Mortgage 3 $7,533
---
TOTAL DEBT $450,884
Current Estimated Net Worth: $561,332
September 2017 estimate: $546,722
Change in net worth: +$14,610
Summary: We somehow surpassed last month's progress this month! One of NT's pension values went up more than I'd thought, so that was a big help. We're now safely past the $1 million mark for assets! Since I know we're not getting to $600K in net worth, it's nice we hit one more of our other goals! We should hit the debt-below-$450K mark once I check our debt payments for November. Sweet!
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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September 30th, 2017 at 08:01 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 6,462 pounds ($8,078)
NT's 401(k): $57,675
NT's Roth IRA: $23,021
AS's trad. IRA: $18,211
AS's Roth IRA: $42,588
AS's SEP IRA: $18,828
CJ's 401(k): $115,601
CJ's Roth IRA: $26,832
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: $998,571
Debts:
US Mortgage $393,968
Loan from friends (duplex) $9,000
UK Mortgage 1 $34,116
UK Mortgage 2 $7,191
UK Mortgage 3 $7,574
---
TOTAL DEBT $451,849
Current Estimated Net Worth: $546,722
August 2017 estimate: $532,149
Change in net worth: +$14,573
Summary: Holy cow, what a month! Last month I felt there was no way we'd get to the million-dollar mark on assets, but now it's definitely possible to do it in three more months. Since I know we're not getting to $600K in net worth, it's nice to think we might hit one more of our other goals!
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, 2017 at 06:32 pm
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 6,462 pounds ($8,078)
NT's 401(k): $55,218
NT's Roth IRA: $21,088
AS's trad. IRA: $17,792
AS's Roth IRA: $40,190
AS's SEP IRA: $17,167
CJ's 401(k): $111,525
CJ's Roth IRA: $26,168
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: $984,963
Debts:
US Mortgage $394,671
Loan from friends (duplex) $9,000
UK Mortgage 1 $34,299
UK Mortgage 2 $7,230
UK Mortgage 3 $7,614
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TOTAL DEBT $452,814
Current Estimated Net Worth: $532,149
June 2017 estimate: $530,114
Change in net worth: +$2,035
Summary: Nearly flat month; the only progress was some debt payoff and a bit toward retirement thanks to contributions outpacing minor losses. I'm now doubting whether we'll reach the million-dollar mark on assets in 2017. It's also now even more unlikely we'll get to $600K in net worth this year; we'd have to gain about $17K per month to get there, which just ain't gonna happen.
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 1st, 2017 at 05:36 am
Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 20,398 pounds ($25,497)
FL: 6,462 pounds ($8,078)
NT's 401(k): $54,953
NT's Roth IRA: $21,137
AS's trad. IRA: $17,813
AS's Roth IRA: $40,273
AS's SEP IRA: $17,199
CJ's 401(k): $111,841
CJ's Roth IRA: $24,858
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: $983,889
Debts:
US Mortgage $395,372
Loan from friends (duplex) $9,000
UK Mortgage 1 $34,480
UK Mortgage 2 $7,269
UK Mortgage 3 $7,654
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TOTAL DEBT $453,775
Current Estimated Net Worth: $530,114
June 2017 estimate: $520,071
Change in net worth: +$10,043
Summary: Pretty good month! Steadily working toward the million-dollar mark on assets. That seems within reach. It's unlikely we'll get to $600K in net worth this year; even if every month was as good as this one we'd still be about $20K short.
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 30th, 2017 at 04:53 pm
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): $53,765
NT's Roth IRA: $20,651
AS's trad. IRA: $17,433
AS's Roth IRA: $37,982
AS's SEP IRA: $16,812
CJ's 401(k): $109,222
CJ's Roth IRA: $24,287
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: $974,806
Debts:
US Mortgage $396,071
Loan from friends (duplex) $9,000
UK Mortgage 1 $34,663
UK Mortgage 2 $7,306
UK Mortgage 3 $7,695
---
TOTAL DEBT $454,735
Current Estimated Net Worth: $520,071
April 2017 estimate: $514,368
Change in net worth: +$5,703
Summary: Slowly working toward the million-dollar mark on assets. Not sure we'll get to $600K in net worth this year; not if we stay at this pace.
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 31st, 2017 at 09:28 pm
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): $53,055
NT's Roth IRA: $19,166
AS's trad. IRA: $17,339
AS's Roth IRA: $37,755
AS's SEP IRA: $16,239
CJ's 401(k): $107,705
CJ's Roth IRA: $24,147
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: $970,060
Debts:
US Mortgage $396,768
Loan from friends (duplex) $9,000
UK Mortgage 1 $34,844
UK Mortgage 2 $7,345
UK Mortgage 3 $7,735
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TOTAL DEBT $455,692
Current Estimated Net Worth: $514,368
April 2017 estimate: $507,869
Change in net worth: +$6,499
Summary: Slowly working toward the million-dollar mark on assets. Not sure we'll get to $600K in net worth since I devalued the homes last month, but maybe.
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 30th, 2017 at 08:07 pm
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): $52,216
NT's Roth IRA: $18,842
AS's trad. IRA: $17,059
AS's Roth IRA: $37,131
AS's SEP IRA: $15,964
CJ's 401(k): $106,285
CJ's Roth IRA: $22,365
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: $964,516
Debts:
US Mortgage $397,463
Loan from friends (duplex) $9,000
UK Mortgage 1 $35,025
UK Mortgage 2 $7,384
UK Mortgage 3 $7,775
---
TOTAL DEBT $456,647
Current Estimated Net Worth: $507,869
February 2017 estimate: $555,321
Change in net worth: -$47,452
Summary: Retirement accounts went up at a nice pace, but I decided to adjust both home values to what seemed like a more accurate estimate, so our assets are below a million again. Darn! Hopefully the next time they get up there, they stay 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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April 1st, 2017 at 07:09 pm
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): $51,449
NT's Roth IRA: $18,574
AS's trad. IRA: $16,825
AS's Roth IRA: $35,223
AS's SEP IRA: $14,328
CJ's 401(k): $104,601
CJ's Roth IRA: $22,047
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,012,920
Debts:
US Mortgage: $398,156
Loan from friends (duplex): $9,000
UK Mortgage 1: $35,206
UK Mortgage 2: $7,421
UK Mortgage 3: $7,815
---
Total Debt: $457,599
Current Estimated Net Worth: $555,321
February 2017 estimate: $551,489
Change in net worth: +$3,832
Summary: A very flat month; well over half the positive change is due to debt paydown and contributions, so very little growth in our accounts. I'm actually surprised there wasn't a loss 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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February 28th, 2017 at 04:10 pm
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): $51,160
NT's Roth IRA: $17,071
AS's trad. IRA: $16,704
AS's Roth IRA: $34,961
AS's SEP IRA: $14,221
CJ's 401(k): $104,169
CJ's Roth IRA: $21,882
NT's flat: 180,000 pounds ($225,000)
CJ/NT/AS house: $470,000 (value -6%)
---
Total Assets: $1,010,041
Debts:
US Mortgage: $398,846
Loan from friends (duplex): $9,000
UK Mortgage 1: $35,390
UK Mortgage 2: $7,460
UK Mortgage 3: $7,856
---
Total Debt: $458,552
Current Estimated Net Worth: $551,489
January 2017 estimate: $540,383
Change in net worth: +$11,106
Summary: Our assets are back up over a million again! However, I said it last month and I'll say it again: I'm not counting on this as long-term gains. But hopefully we can add to our net worth enough over the next few months that we can stay above a million in assets even when the market has a downturn.
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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January 31st, 2017 at 03:48 pm
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.
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December 30th, 2016 at 08:34 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.
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December 3rd, 2016 at 06:04 pm
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.
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November 2nd, 2016 at 03:10 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): $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.
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September 30th, 2016 at 10:25 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.
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August 31st, 2016 at 07:23 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.
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July 29th, 2016 at 04:32 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): $44,207
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.
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June 24th, 2016 at 05:43 pm
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.
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June 1st, 2016 at 04:51 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): $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.
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May 2nd, 2016 at 04:23 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): $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.
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March 31st, 2016 at 08:19 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.
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March 3rd, 2016 at 06:09 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): $39,411
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.
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February 1st, 2016 at 03:22 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): $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.
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December 31st, 2015 at 05:43 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): $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.
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December 1st, 2015 at 03:44 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): $39,700
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.
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November 1st, 2015 at 09:21 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.
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September 30th, 2015 at 05:15 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): $36,077
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.
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August 31st, 2015 at 07:43 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.
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July 31st, 2015 at 07:32 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.
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July 4th, 2015 at 07:06 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
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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.
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June 16th, 2015 at 04:12 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): $36,894
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.
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