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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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): $31,263
NT's Roth IRA: $7,292
AS's 401(k): $13,520
AS's trad. IRA: $1,682
AS's Roth IRA: $19,572
CJ's 401(k): $73,157
CJ's Roth IRA: $7,292
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
CJ/NT/AS house: $440,000
---
Total Assets: $1,028,714

Total Debt: $682,221

Current Estimated Net Worth: $346,493

July 2014 estimate: $379,845

Change in net worth: -$33,352

Summary: I decided to go with Redfin value minus 6% for the value of the new home, which means the debt we took on is greater than the asset value we took on. So that meant a large drop in our net worth. Also, the markets were flat to slightly negative and we didn't put as much into retirement as usual, so there was no help there to our net worth. And we didn't pay down much debt either.

Assets are up over a million dollars in worth! But that will drop back down once we sell our condo.

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.

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): $31,196
NT's Roth IRA: $7,373
AS's 401(k): $13,484
AS's trad. IRA: $1,682
AS's Roth IRA: $19,796
CJ's 401(k): $73,696
CJ's Roth IRA: $7,373
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
House down payment fund (shared): $27,836
---
Total Assets: $617,372

Total Debt: $237,527

Current Estimated Net Worth: $379,845

June 2014 estimate: $375,997

Change in net worth: +$3,848

Summary: An OK growth month. We would have gone up about $450 more had we made our Roth IRA contributions, but those are on hold until December (we'll do make-up contributions for all the months we miss between now and then).

Next month, expect way bigger debt but also way bigger home value!

I included U.S. savings for a home in our assets, since the money will go toward our down payment on the new home, which will become an asset. I did not include our UK savings, because the UK flat's value listed above is contingent upon the renovations that will wipe out our UK savings.

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.

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): $30,812
NT's Roth IRA: $7,327
AS's 401(k): $13,420
AS's trad. IRA: $1,682
AS's Roth IRA: $19,658
CJ's 401(k): $73,009
CJ's Roth IRA: $7,327
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
House down payment fund (shared): $26,285
---
Total Assets: $614,456

Total Debt: $238,459

Current Estimated Net Worth: $375,997

May 2014 estimate: $366,696

Change in net worth: +$9,301

Summary: Big growth again this month! Some of the increase is due to upward movement in our retirement funds; the rest because we've been saving aggressively for a home.

I included U.S. savings for a home in our assets, since the money will go toward our down payment on the new home, which will become an asset. I did not include our UK savings, because the UK flat's value listed above is contingent upon the renovations that will wipe out our UK savings.

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.

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): $29,903
NT's Roth IRA: $7,037
AS's 401(k): $12,720
AS's trad. IRA: $1,682
AS's Roth IRA: $18,678
CJ's 401(k): $70,008
CJ's Roth IRA: $7,037
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
House down payment/moving fund (shared): $24,081
---
Total Assets: $606,082

Total Debt: $239,386

Current Estimated Net Worth: $366,696

April 2014 estimate: $357,895

Change in net worth: +$8,801

Summary: Big growth, and we finally achieved $600K in assets! Some of the increase is due to upward movement in our retirement funds; the rest because we've been saving aggressively for a home.

I decided to include U.S. savings for a home in our assets, since the money will either go toward renovating (i.e. increasing the value of our current home) or to buying equity/adding value in a new home. I did not include our UK savings, because the UK flat's value listed above is contingent upon the renovations that will wipe out our UK savings.

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

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): $29,319
NT's Roth IRA: $6,891
AS's 401(k): $12,404
AS's trad. IRA: $1,682
AS's Roth IRA: $18,075
CJ's 401(k): $68,422
CJ's Roth IRA: $6,891
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,584
---
Total Assets: $598,204

Total Debt: $240,309

Current Estimated Net Worth: $357,895

March 2014 estimate: $352,102

Change in net worth: +$5,793

Summary: Nice, healthy net worth growth this month. We're so close to $600K in assets! Almost half of the increase was due to getting an annual statement on one of NT's UK pensions.

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 15,544 pounds ($24,870)
#2: 19,653 pounds ($31,445)
#3: 4,452 pounds ($7,123)
NT's 401(k): $28,832
NT's Roth IRA: $6,753
AS's 401(k): $12,208
AS's trad. IRA: $1,682
AS's Roth IRA: $17,491
CJ's 401(k): $67,596
CJ's Roth IRA: $6,753
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,584
---
Total Assets: $593,337

Total Debt: $241,235

Current Estimated Net Worth: $352,102

January 2014 estimate: $350,340

Change in net worth: +$1,762

Summary: The market must not have been good this past month; our retirement funds increased by less than what we contributed. At least there wasn't a huge dive. We only paid off a modest amount of debt, so our overall change in net worth is OK, but not spectacular. I'm hoping for a big month in the markets soon, so I can see our assets hit the $600K mark!

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 15,544 pounds ($24,870)
#2: 19,653 pounds ($31,445)
#3: 4,452 pounds ($7,123)
NT's 401(k): $28,609
NT's Roth IRA: $6,718
AS's 401(k): $12,187
AS's trad. IRA: $1,682
AS's Roth IRA: $17,183
CJ's 401(k): $67,554
CJ's Roth IRA: $6,718
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,577
---
Total Assets: $592,666

Total Debt: $242,326

Current Estimated Net Worth: $350,340

January 2014 estimate: $346,402

Change in net worth: +$3,938

Summary: A good mix of debt paydown and modest market gains. I'm really glad, because there was a big increase last month and I figured there might have been a correction this month. We reached a milestone -- our cumulative retirement fund value is up over $200K!

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 15,544 pounds ($24,870)
#2: 19,653 pounds ($31,445)
#3: 4,452 pounds ($7,123)
NT's 401(k): $28,074
NT's Roth IRA: $6,645
AS's 401(k): $11,898
AS's trad. IRA: $1,682
AS's Roth IRA: $16,773
CJ's 401(k): $66,411
CJ's Roth IRA: $6,645
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,572
---
Total Assets: $590,138

Total Debt: $243,736

Current Estimated Net Worth: $346,402

December 2013 estimate: $339,364

Change in net worth: +$7,038

Summary: Wowsers! Most of this is just retirement fund gains. We are truckin' along!

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 15,544 pounds ($24,870)
#2: 19,653 pounds ($31,445)
#3: 4,452 pounds ($7,123)
NT's 401(k): $26,901
NT's Roth IRA: $6,367
AS's 401(k): $11,346
AS's trad. IRA: $1,682
AS's Roth IRA: $15,850
CJ's 401(k): $63,500
CJ's Roth IRA: $6,367
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,562
---
Total Assets: $584,013

Total Debt: $244,649

Current Estimated Net Worth: $339,364

November 2013 estimate: $336,428

Change in net worth: +$2,936

Summary: Our retirement accounts dipped in value overall (only by about $300 total), so all the net worth gain is due to paying down debt.

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 15,544 pounds ($24,870)
#2: 19,653 pounds ($31,445)
#3: 4,452 pounds ($7,123)
NT's 401(k): $26,874
NT's Roth IRA: $6,407
AS's 401(k): $11,313
AS's trad. IRA: $1,682
AS's Roth IRA: $15,729
CJ's 401(k): $63,901
CJ's Roth IRA: $6,407
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,562
---
Total Assets: $584,313

Total Debt: $247,885

Current Estimated Net Worth: $336,428

October 2013 estimate: $326,715

Change in net worth: +$9,713

Summary: Big gain again this month! Mostly due to retirement fund increases (including an annual update to one of NT's UK pensions, and a bonus to his US 401(k)).

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 15,544 pounds ($24,870)
#2: 17,268 pounds ($27,629)
#3: 4,452 pounds ($7,123)
NT's 401(k): $25,942
NT's Roth IRA: $6,174
AS's 401(k): $10,939
AS's trad. IRA: $1,682
AS's Roth IRA: $14,934
CJ's 401(k): $61,483
CJ's Roth IRA: $6,174
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,558
---
Total Assets: $575,508

Total Debt: $248,793

Current Estimated Net Worth: $326,715

September 2013 estimate: $318,858

Change in net worth: +$7,857

Summary: Big gain again this month! Retirement accounts were up and we paid off a lot of debt.

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 15,544 pounds ($24,870)
#2: 17,268 pounds ($27,629)
#3: 4,452 pounds ($7,123)
NT's 401(k): $24,586
NT's Roth IRA: $5,967
AS's 401(k): $10,539
AS's trad. IRA: $1,682
AS's Roth IRA: $14,212
CJ's 401(k): $59,530
CJ's Roth IRA: $5,967
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,555
---
Total Assets: $570,660

Total Debt: $251,802

Current Estimated Net Worth: $318,858

August 2013 estimate: $310,698

Change in net worth: +$8,160

Summary: Big gain this month! My 401(k) and AS's Roth both showed good progress, plus one of NT's UK pensions sent their annual statement with some decent growth.

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 13,884 pounds ($22,214)
#2: 17,268 pounds ($27,629)
#3: 4,452 pounds ($7,123)
NT's 401(k): $24,200
NT's Roth IRA: $5,800
AS's 401(k): $10,210
AS's trad. IRA: $1,682
AS's Roth IRA: $13,580
CJ's 401(k): $57,767
CJ's Roth IRA: $5,800
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,555
---
Total Assets: $564,560

Total Debt: $253,862

Current Estimated Net Worth: $310,698

April 2013 estimate: $308,089

Change in net worth: +$2,609

Summary: A relatively static month of retirement returns and savings, and modest debt paydown.

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 13,884 pounds ($22,214)
#2: 17,268 pounds ($27,629)
#3: 4,452 pounds ($7,123)
NT's 401(k): $24,082
NT's Roth IRA: $5,754
AS's 401(k): $10,069
AS's trad. IRA: $1,682
AS's Roth IRA: $13,245
CJ's 401(k): $57,525
CJ's Roth IRA: $5,754
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,548
---
Total Assets: $563,625

Total Debt: $255,536

Current Estimated Net Worth: $308,089

April 2013 estimate: $301,126

Change in net worth: +$6,963

Summary: A nice month of retirement gains and debt paydown!

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 13,884 pounds ($22,214)
#2: 17,268 pounds ($27,629)
#3: 3,709 pounds ($5,934)
NT's 401(k): $23,665
NT's Roth IRA: $5,600
AS's 401(k): $9,782
AS's trad. IRA: $1,682
AS's Roth IRA: $12,662
CJ's 401(k): $55,989
CJ's Roth IRA: $5,600
NT's flat: 140,000 pounds ($224,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,544
---
Total Assets: $559,301

Total Debt: $258,175

Current Estimated Net Worth: $301,126

April 2013 estimate: $263,203

Change in net worth: +$37,923 (over 2 months)

Summary: I didn't do a net worth calculation in May because of our vacation, so this covers two months of progress. And, just like that, we're back up to $300K net worth! Retirement went up quite a bit, debt went down, but the biggest contributing factor was finding out that NT's home was worth 140K pounds instead of our estimated 125K. That right there added $24K to our assets.

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 13,884 pounds ($22,214)
#2: 17,268 pounds ($27,629)
#3: 3,709 pounds ($5,934)
NT's 401(k): $22,601
NT's Roth IRA: $5,278
AS's 401(k): $9,178
AS's trad. IRA: $1,682
AS's Roth IRA: $11,483
CJ's 401(k): $52,309
CJ's Roth IRA: $5,278
NT's flat: 125,000 pounds ($200,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,047
---
Total Assets: $527,633

Total Debt: $264,430

Current Estimated Net Worth: $263,203

March 2013 estimate: $259,884

Change in net worth: +$3,319

Summary: Retirement funds stagnated; most increased less than the amount we contributed, or actually lost value. However, a good amount of debt payment still gave us a decent increase in net worth.

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 13,884 pounds ($22,214)
#2: 17,268 pounds ($27,629)
#3: 3,709 pounds ($5,934)
NT's 401(k): $22,486
NT's Roth IRA: $5,294
AS's 401(k): $9,178
AS's trad. IRA: $1,682
AS's Roth IRA: $11,277
CJ's 401(k): $53,031
CJ's Roth IRA: $5,294
NT's flat: 125,000 pounds ($200,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $4,044
---
Total Assets: $528,063

Total Debt: $268,179

Current Estimated Net Worth: $259,884

February 2013 estimate: $247,924

Change in net worth: +$11,960

Summary: Maybe that big Dow Jones run has already evened out, or maybe it didn't affect us much. Either way, our gains in all our retirement accounts were modest this month. However, a huge month for debt repayment made for a big increase in net worth!

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 13,884 pounds ($22,214)
#2: 17,268 pounds ($27,629)
#3: 3,709 pounds ($5,934)
NT's 401(k): $22,072
NT's Roth IRA: $5,130
AS's 401(k): $8,868
AS's trad. IRA: $1,682
AS's Roth IRA: $10,690
CJ's 401(k): $51,818
CJ's Roth IRA: $5,130
NT's flat: 125,000 pounds ($200,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund (shared): $3,494
---
Total Assets: $524,661

Total Debt: $276,737

Current Estimated Net Worth: $247,924

January 2013 estimate: $243,944

Change in net worth: +$3,980

Summary: We haven't had as much progress as I would have hoped because of a student loan payment hung up in the ether somewhere, and some freelance checks we haven't received. Despite that, we had modest gains in all our retirement funds and got rid of a bit of debt, so we did all right.

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 13,884 pounds ($22,214)
#2: 17,268 pounds ($27,629)
#3: 3,709 pounds ($5,934)
NT's 401(k): $21,506
NT's Roth IRA: $5,000
AS's 401(k): $8,689
AS's trad. IRA: $1,682
AS's Roth IRA: $10,174
CJ's 401(k): $50,791
CJ's Roth IRA: $5,000
NT's flat: 125,000 pounds ($200,000)
CJ & AS's condo: $145,000
Emergency fund (shared asset): $15,000
House down payment/moving fund: $2,958
---
Total Assets: $521,577

Total Debt: $277,633

Current Estimated Net Worth: $243,944

August 2012 estimate: $308,187

Change in net worth: -$64,243

Summary: It looks terrible, but actually we did very well in retirement fund performance, debt payoff and savings.

What happened is I "trued up" our accounts using the current pounds-to-dollars exchange rate, reassessed our home values, and moved some money out of the EF into our medical fund (which I don't count among our assets).

Now we can start building toward a TRUE net worth of $300K.

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per 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.

Assets:
NT's UK pensions:
#1: 13,884 pounds ($27,768)
#2: 17,268 pounds ($34,536)
#3: 3,709 pounds ($7,418)
NT's 401(k): $20,619
NT's Roth IRA: $4,758
AS's 401(k): $8,210
AS's trad. IRA: $1,682
AS's Roth IRA: $9,444
CJ's 401(k): $48,180
CJ's Roth IRA: $4,758
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Emergency fund (shared asset): $18,562
House down payment/moving fund: $2,195
---
Total Assets: $608,130

Total Debt: $299,943

Current Estimated Net Worth: $308,187

August 2012 estimate: $299,508

Change in net worth: +$8,679

Summary: We did it! We surpassed the 2012 goal of $300,000 net worth. (On paper, that is.)

I'm going to "true up" our accounts soon using the current pounds-to-dollars exchange rate and reassessing our home values, so our debt, assets and net worth are all going to go way down.

I will update my "Individual Net Worth" page shortly so you can see how it breaks out per person.

Notes on the numbers above: House value estimates are very 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 $2 for every British pound, which was the exchange rate when I started keeping track. Starting in 2013 I'm going to use the true current exchange rate, which is now closer to $1.60 per British pound.