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Viewing the 'Tracking Net Worth' Category
November 19th, 2012 at 05:28 pm
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): $19,556
NT's Roth IRA: $4,463
AS's 401(k): $7,708
AS's trad. IRA: $1,682
AS's Roth IRA: $8,615
CJ's 401(k): $45,107
CJ's Roth IRA: $4,463
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Emergency fund (shared asset): $16,915
House down payment/moving fund: $2,195
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Total Assets: $600,426
Total Debt: $300,918
Current Estimated Net Worth: $299,508
August 2012 estimate: $300,000
Change in net worth: -$492
Summary: Well, we paid off debt and added to savings, but it wasn't enough to offset the stock market fluctuations this month; we dipped down below my 2012 goal of $300K net worth.
But, we're only $492 off. I feel confident that we can make that amount up in the December net worth tally and still make our goal.
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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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October 18th, 2012 at 04:22 pm
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): $20,031
NT's Roth IRA: $4,664
AS's 401(k): $8,005
AS's trad. IRA: $1,682
AS's Roth IRA: $8,740
CJ's 401(k): $47,242
CJ's Roth IRA: $4,664
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Emergency fund (shared asset): $16,455
House down payment/moving fund: $1,490
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Total Assets: $602,695
Total Debt: $302,695
Current Estimated Net Worth: $300,000
August 2012 estimate: $292,272
Change in net worth: +$7,728
Summary: Most of our retirement accounts stayed pretty stagnant (meaning they lost some value, since we did contribute cash to them all), but NT got a matching distribution in his 401(k), one of his UK funds had a significant rise, we added to the EF and moving funds, and we paid off a decent amount of debt. It all adds up! We were just $5 short so I put that amount in the moving fund to take us to our goal.
Our net worth topped $600K for the first time, and we have now reached our goal of $300K net worth! Now I just hope the markets hold out enough for us to keep this net worth through the end of the year.
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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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September 17th, 2012 at 05:32 pm
Assets:
NT's UK pensions:
#1: 13,884 pounds ($27,768)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $18,283
NT's Roth IRA: $4,629
AS's 401(k): $7,910
AS's trad. IRA: $1,682
AS's Roth IRA: $8,411
CJ's 401(k): $47,212
CJ's Roth IRA: $4,629
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Emergency fund (shared asset): $15,725
House down payment/moving fund: $1,134
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Total Assets: $596,811
Total Debt: $304,539
Current Estimated Net Worth: $292,272
August 2012 estimate: $285,087
Change in net worth: +$7,185
Summary: Might as well leave my comments from last month, since it was a similar one: The market smiled on us the same month I was able to put more extra money to debt again. I feel pretty good about our chances of meeting our 2012 goal of $300,000 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 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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August 19th, 2012 at 05:00 am
Assets:
NT's UK pensions:
#1: 13,884 pounds ($27,768)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $17,503
NT's Roth IRA: $4,406
AS's 401(k): $7,454
AS's trad. IRA: $1,682
AS's Roth IRA: $7,757
CJ's 401(k): $45,104
CJ's Roth IRA: $4,406
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $15,275
House down payment/moving fund: $1,089
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Total Assets: $591,872
Total Debt: $306,785
Current Estimated Net Worth: $285,087
July 2012 estimate: $278,592
Change in net worth: +$6,495
Summary: The market smiled on us the same month I was able to put more extra money to debt again. I feel pretty good about meeting our 2012 goal of $300,000 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 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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July 19th, 2012 at 04:59 pm
Assets:
NT's UK pensions:
#1: 13,884 pounds ($27,768)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $16,961
NT's Roth IRA: $4,213
AS's 401(k): $7,221
AS's trad. IRA: $1,682
AS's Roth IRA: $7,159
CJ's 401(k): $43,019
CJ's Roth IRA: $4,213
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $14,750
House down payment/moving fund: $1,000
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Total Assets: $587,414
Total Debt: $308,822
Current Estimated Net Worth: $278,592
June 2012 estimate: $274,611
Change in net worth: +$3,981
Summary: Modest gains in all our retirement accounts and a modest amount of saving and debt repayment add up again! We need to increase our net worth by $4,282 per month to reach our goal by year's end, but considering this was a month when we didn't pay much extra on debt at all, this is a good result.
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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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June 20th, 2012 at 06:18 pm
Assets:
NT's UK pensions:
#1: 13,884 pounds ($27,768)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $16,579
NT's Roth IRA: $4,118
AS's 401(k): $7,000
AS's trad. IRA: $1,682
AS's Roth IRA: $6,884
CJ's 401(k): $42,755
CJ's Roth IRA: $4,118
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $14,124
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Total Assets: $584,456
Total Debt: $309,845
Current Estimated Net Worth: $274,611
May 2012 estimate: $269,679
Change in net worth: +$4,932
Summary: Modest gains in all our retirement accounts and a modest amount of saving and debt repayment really add up! We're at about the halfway point of the year, and we're about halfway from our starting net worth ($250,418) to our goal net worth ($300,000). With parental leave more than half over, and hopefully the expensive repairs on the rental property out of the way, we should be able to meet our goal -- as long as the EU crisis doesn't completely tank our retirement accounts!
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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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May 21st, 2012 at 04:37 pm
Assets:
NT's UK pensions:
#1: 13,884 pounds ($27,768)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $15,964
NT's Roth IRA: $3,897
AS's 401(k): $6,761
AS's trad. IRA: $1,682
AS's Roth IRA: $6,403
CJ's 401(k): $40,841
CJ's Roth IRA: $3,897
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $13,999
---
Total Assets: $580,640
Total Debt: $310,961
Current Estimated Net Worth: $269,679
April 2012 estimate: $272,065
Change in net worth: -$2,386
Summary: Sigh. Despite paying off a few thousand of debt and making our regular contributions of over a thousand to our retirement accounts, all our retirement accounts lost value more than that. Sometimes I feel like we're getting no returns on our retirement accounts. But, since I don't keep records of what I've contributed, I can't look up the truth to cheer myself up.
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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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April 18th, 2012 at 05:53 pm
Assets:
NT's UK pensions:
#1: 13,884 pounds ($27,768)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $16,464
NT's Roth IRA: $4,145
AS's 401(k): $7,076
AS's trad. IRA: $1,682
AS's Roth IRA: $6,683
CJ's 401(k): $43,980
CJ's Roth IRA: $4,145
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $14,799
---
Total Assets: $586,170
Total Debt: $314,105
Current Estimated Net Worth: $272,065
March 2012 estimate: $268,202
Change in net worth: +$3,863
Summary: Decent progress. I was the dead weight, because both of my retirement funds decreased a bit. NT and AS both posted small gains, we put some money away in the EF, and we paid down a good amount of debt. If our net worth increases by about $3492 per month for the rest of the year, we'll hit our $300K net worth goal. It's doable.
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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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March 18th, 2012 at 08:36 pm
Assets:
NT's UK pensions:
#1: 13,753 pounds ($27,506)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $16,311
NT's Roth IRA: $4,152
AS's 401(k): $7,068
AS's trad. IRA: $1,682
AS's Roth IRA: $6,576
CJ's 401(k): $44,226
CJ's Roth IRA: $4,152
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $14,199
---
Total Assets: $585,300
Total Debt: $317,098
Current Estimated Net Worth: $268,202
February 2012 estimate: $262,142
Change in net worth: +$6,060
Summary: Healthy progress again this month, thanks to steady increases in our retirement, a big chunk put into our EF, and a couple thousand of debt paid 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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February 17th, 2012 at 04:24 pm
Assets:
NT's UK pensions:
#1: 13,753 pounds ($27,506)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $15,896
NT's Roth IRA: $4,007
AS's 401(k): $6,770
AS's trad. IRA: $1,682
AS's Roth IRA: $6,226
CJ's 401(k): $42,867
CJ's Roth IRA: $4,007
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $12,923
---
Total Assets: $581,312
Total Debt: $319,170
Current Estimated Net Worth: $262,142
December 2011 estimate: $250,418
Change in net worth (over 2 months): +$11,724
Summary: Another good leap over the past two months! We're trucking along toward our $300K goal. Basically if we can get our assets $20K higher and our debt $20K lower this year, we'll make it!
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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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December 27th, 2011 at 05:45 pm
Assets:
NT's UK pensions:
#1: 13,753 pounds ($27,506)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $14,528
NT's Roth IRA: $3,597
AS's 401(k): $6,087
AS's trad. IRA: $1,682
AS's Roth IRA: $5,354
CJ's 401(k): $38,544
CJ's Roth IRA: $3,597
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $14,473
---
Total Assets: $574,796
Total Debt: $324,378
Current Estimated Net Worth: $250,418
October 2011 estimate: $237,942
Change in net worth (over 2 months): +$12,476
Summary: Wow, we hit the quarter-million mark! NT's bonus pushed us over the edge because we were able to pay extra debt down with it. I didn't calculate net worth in November, which is why the leap is so drastic. Oh yeah, and we were able to shift money from NT's UK checking account into savings this month.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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October 24th, 2011 at 09:35 pm
Assets:
NT's UK pensions:
#1: 13,753 pounds ($27,506)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $13,515
NT's Roth IRA: $3,461
AS's 401(k): $5,785
AS's trad. IRA: $1,682
AS's Roth IRA: $4,899
CJ's 401(k): $38,073
CJ's Roth IRA: $3,461
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $11,421
---
Total Assets: $569,231
Total Debt: $331,289
Current Estimated Net Worth: $237,942
August 2011 estimate: $230,981
Change in net worth: +$6,961
Summary: Nearly $7,000 gain! NT's federal loan site is still being dumb, and my payment from last Monday still hasn't posted. If it had, we'd have close to an $8,000 gain. Still, this brings us to our highest net worth yet, beating our last high of $235K in July! Most of this was our retirement accounts making up losses.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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September 24th, 2011 at 03:16 am
Assets:
NT's UK pensions:
#1: 13,753 pounds ($27,506)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $12,618
NT's Roth IRA: $3,157
AS's 401(k): $5,296
AS's trad. IRA: $1,682
AS's Roth IRA: $4,349
CJ's 401(k): $34,738
CJ's Roth IRA: $3,157
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $11,320
---
Total Assets: $563,251
Total Debt: $332,270
Current Estimated Net Worth: $230,981
August 2011 estimate: $231,733
Change in net worth: -$752
Summary: Considering the stock markets just took a dive and all our retirement accounts lost value, we got off pretty easy. But it was only because we paid off enough debt to offset most of our losses. AS's net worth will have suffered, since but I think we can still get her to positive before the end of the year.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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August 18th, 2011 at 04:41 pm
Assets:
NT's UK pensions:
#1: 13,753 pounds ($27,506)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $12,966
NT's Roth IRA: $3,333
AS's 401(k): $5,524
AS's trad. IRA: $1,682
AS's Roth IRA: $4,456
CJ's 401(k): $37,804
CJ's Roth IRA: $3,333
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $11,295
---
Total Assets: $567,327
Total Debt: $335,594
Current Estimated Net Worth: $231,733
July 2011 estimate: $235,435
Change in net worth: -$3,702
Summary: Ugh, I knew I wasn't going to like this month's results. Despite over $2K of debt payoff, our retirement accounts lost so much value that we're down for the month. I imagine we've lost progress on AS's net worth goal as well. I think all this market volatility is just shortsighted silliness that will clear up in a month or two, so I think we'll gain it back soon. But I don't really know.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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July 18th, 2011 at 08:37 pm
Assets:
NT's UK pensions:
#1: 13,753 pounds ($27,506)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $13,465
NT's Roth IRA: $3,576
AS's 401(k): $5,884
AS's trad. IRA: $1,682
AS's Roth IRA: $4,636
CJ's 401(k): $41,711
CJ's Roth IRA: $3,576
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $11,805
---
Total Assets: $573,269
Total Debt: $337,834
Current Estimated Net Worth: $235,435
June 2011 estimate: $229,941
Change in net worth: +$5,494
Summary: A fun month to record! All our retirement accounts increased in value and we paid off a ton of debt. If we have three more months like that, we could hit the quarter-million 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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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June 20th, 2011 at 02:16 pm
Assets:
NT's UK pensions:
#1: 13,753 pounds ($27,506)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $13,049
NT's Roth IRA: $3,419
AS's 401(k): $5,606
AS's trad. IRA: $1,682
AS's Roth IRA: $4,300
CJ's 401(k): $40,139
CJ's Roth IRA: $3,419
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $11,170
---
Total Assets: $569,718
Total Debt: $339,777
Current Estimated Net Worth: $229,941
May 2011 estimate: $229,657
Change in net worth: +$284
Summary: All but one of our retirement accounts posted losses, so it was only by paying down debt and adding to EF savings that we were able to stay basically even.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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May 19th, 2011 at 03:12 pm
Assets:
NT's UK pensions:
#1: 13,753 pounds ($27,506)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $13,191
NT's Roth IRA: $3,517
AS's 401(k): $5,782
AS's trad. IRA: $1,682
AS's Roth IRA: $4,282
CJ's 401(k): $41,923
CJ's Roth IRA: $3,517
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $10,454
---
Total Assets: $571,282
Total Debt: $341,625
Current Estimated Net Worth: $229,657
April 2011 estimate: $224,905
Change in net worth: +$4,752
Summary: Weird, I just noticed that all of AS's assets end in -82! I mean, I round off to the nearest dollar, but still... Everything went up this month, so even though we didn't pay off much debt, we had a nice upturn in net worth! Chugging along to that nice quarter-million milestone soon, I hope.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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April 18th, 2011 at 08:45 pm
Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $12,751
NT's Roth IRA: $3,433
AS's 401(k): $5,600
AS's trad. IRA: $1,682
AS's Roth IRA: $4,042
CJ's 401(k): $41,481
CJ's Roth IRA: $3,433
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $10,363
---
Total Assets: $567,539
Total Debt: $342,634
Current Estimated Net Worth: $224,905
February 2011 estimate: $219,720
Change in net worth: +$5,185
Summary: Everything went up this month, so even though we didn't pay off much debt, we had a nice upturn 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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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March 21st, 2011 at 04:29 pm
Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $12,322
NT's Roth IRA: $3,261
AS's 401(k): $5,351
AS's trad. IRA: $1,682
AS's Roth IRA: $3,703
CJ's 401(k): $39,530
CJ's Roth IRA: $3,261
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $9,673
---
Total Assets: $563,537
Total Debt: $343,817
Current Estimated Net Worth: $219,720
February 2011 estimate: $219,894
Change in net worth: -$174
Summary: We lost value in all our U.S. retirement accounts, and our debt paydown was very modest, so we posted a loss in net worth for the first time in many months. At least it was only in the hundreds, so it doesn't feel too bad. AS's contributions and debt repayment outweighed her investment losses by about $480, so at least we made a bit more progress toward positive net worth for her.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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February 22nd, 2011 at 07:02 pm
Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $12,233
NT's Roth IRA: $3,350
AS's 401(k): $5,421
AS's trad. IRA: $1,682
AS's Roth IRA: $3,657
CJ's 401(k): $41,044
CJ's Roth IRA: $3,350
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $9,342
---
Total Assets: $564,833
Total Debt: $344,939
Current Estimated Net Worth: $219,894
January 2011 estimate: $215,270
Change in net worth: +$4,624
Summary: We lost some ground in our EF savings, but I was able to access NT's 401(k) finally after two months of no access (solution: his company had switched providers completely!), and we had gains in all our retirement accounts, so we still posted a respectable gain in net worth this month.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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January 24th, 2011 at 04:14 am
Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $10,812
NT's Roth IRA: $3,167
AS's 401(k): $5,095
AS's trad. IRA: $1,682
AS's Roth IRA: $3,316
CJ's 401(k): $39,090
CJ's Roth IRA: $3,167
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $10,085
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Total Assets: $561,168
Total Debt: $345,898
Current Estimated Net Worth: $215,270
November 2010 estimate: $205,961
Change in net worth: +$9,309
Summary: I wasn't able to access NT's 401(k) account online AGAIN. Second month in a row, so I wrote to tech support for that website. Anyway, we still did really well thanks to gains in retirement investments plus paying off one of AS's student loans.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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December 20th, 2010 at 06:28 pm
Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $10,812
NT's Roth IRA: $3,036
AS's 401(k): $4,751
AS's trad. IRA: $1,682
AS's Roth IRA: $3,035
CJ's 401(k): $37,866
CJ's Roth IRA: $3,036
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,790
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Total Assets: $557,762
Total Debt: $351,801
Current Estimated Net Worth: $205,961
November 2010 estimate: $191,983
Change in net worth: +$13,978
Summary: I wasn't able to access NT's 401(k) account online today, so I couldn't record the probable gains (based on AS and I making leaps in our accounts). But it hardly mattered in light of the big overall gain this month! My dad gifted us $12,900, and I put over $11,000 of that directly toward our net worth, including retirement savings and debt pay-down. So it's exhilerating but hardly surprising that our net worth has topped $200,000. A great way to end the year!
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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November 22nd, 2010 at 05:14 pm
Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $10,812
AS's 401(k): $4,540
AS's IRA: $1,682
CJ's 401(k): $36,526
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,686
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Total Assets: $547,000
Total Debt: $355,017
Current Estimated Net Worth: $191,983
October 2010 estimate: $188,624
Change in net worth: +$3,359
Summary: Weird, our assets came to an even thousand! All of our U.S. retirement funds posted gains and we paid off a moderate amount of debt, so we had a nice gain in net worth this month.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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October 20th, 2010 at 09:00 pm
Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $10,376
AS's 403(b): $3,300
AS's IRA: $1,682
AS's 401(k): $1,005
CJ's 401(k): $35,078
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,634
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Total Assets: $544,829
Total Debt: $356,205
Current Estimated Net Worth: $188,624
August 2010 estimate: $181,108
Change in net worth: +$7,516
Summary: All of our U.S. retirement funds posted gains, and I also got an annual notice of gains on one of NT's UK pensions. We also of course paid off the last credit card, so debt decreased by a bit. All in all a great month! I don't expect I'll do much with either debt or savings for the rest of the year, so our gains will probably be more modest. But I do plan to start Roth IRA accounts for all of us in 2011, so that will help the balance sheet.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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September 20th, 2010 at 03:07 pm
Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 14,721 pounds ($29,442)
#3: 3,709 pounds ($7,418)
NT's 401(k): $9,929
AS's 403(b): $3,300
AS's IRA: $1,682
AS's 401(k): $842
CJ's 401(k): $33,529
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,584
---
Total Assets: $540,052
Total Debt: $358,944
Current Estimated Net Worth: $181,108
August 2010 estimate: $175,615
Change in net worth: +$5,493
Summary: All of our U.S. retirement funds posted gains. Add in the largish amount of debt I was able to pay down since the last net worth update, and we've got a pretty impressive increase on our hands! I don't think we'll crack $200K this year, but barring any more major losses in real estate value or our retirement investments, we should get there in early 2011.
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 fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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August 24th, 2010 at 02:26 am
Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 14,721 pounds ($29,442)
#3: 3,709 pounds ($7,418)
NT's 401(k): $9,397
AS's 403(b): $3,300
AS's IRA: $1,682
AS's 401(k): $741
CJ's 401(k): $31,772
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,532
---
Total Assets: $537,610
Total Debt: $361,995
Current Estimated Net Worth: $175,615
July 2010 estimate: $173,902
Change in net worth: +$1,713
Summary: My 401(k) lost a few hundred bucks, but we paid off enough debt to still see a small gain in net worth. Nothing like when NT discovers forgotten pension plans, though!
AS and I hit an exciting milestone: positive combined net worth. Our finances have been tied together since she was 18 and I was 23, so I kind of consider them to still be combined. Well, my net worth hit $24,612 and hers is negative $24,547, so together we're at positive $65! Woo hoo, we're not dragging NT's down anymore. It's all uphill from here, I hope!
I will update my "Individual Net Worth" page shortly so you can see how it breaks out.
Notes on the numbers above: House value estimates are fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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July 25th, 2010 at 07:57 pm
Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 14,721 pounds ($29,442)
#3: 3,709 pounds ($7,418)
NT's 401(k): $9,308
AS's 403(b): $3,300
AS's IRA: $1,682
AS's 401(k): $634
CJ's 401(k): $32,315
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,482
---
Total Assets: $537,907
Total Debt: $364,005
Current Estimated Net Worth: $173,902
June 2010 estimate: $163,573
Change in net worth: +$10,329
Summary: All our retirement accounts and the EF showed modest gains (NT's 401k did especially well because his company dumped a $700 bonus in there). We also paid off over $1K of debt. But there was another huge leap this month, nearly as big as last month's, due to my finally confirming there was a third pension account in the UK that NT had forgotten he had.
I will update my "Individual Net Worth" page shortly so you can see how it breaks out.
Notes on the numbers above: House value estimates are fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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June 23rd, 2010 at 05:44 pm
Assets:
NT's UK pensions: 12,663 pounds ($25,326)
14,721 pounds ($29,442)
NT's 401(k): $8,241
AS's 403(b): $3,300
AS's IRA: $1,682
AS's 401(k): $507
CJ's 401(k): $31,744
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,431
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Total Assets: $528,673
Total Debt: $365,100
Current Estimated Net Worth: $163,573
May 2010 estimate: $151,034
Change in net worth: +$12,539
Summary: My 401(k) lost $1 in value (which means it lost more like $300 since I also made contributions). What an annoying figure! LOL.
You may notice a kind of huge leap in net worth. Well, for one of NT's UK retirement plans that I hadn't updated in years, I finally looked at a statement and tried to ascertain the current value. It was about US $10,000 higher. We also paid off some debt and made small gains in other areas, i.e., the EF and some of the U.S. retirement accounts.
I will update my "Individual Net Worth" page shortly so you can see how it breaks out.
Notes on the numbers above: House value estimates are fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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May 19th, 2010 at 08:46 pm
I just posted an entry linking to an article calculating Text is presidents' individual net worth and Link is http://ceejay74.savingadvice.com/2010/05/19/presidents-net-worth_59216/ presidents' individual net worth. It reminded me that it's about time for a net worth update!
Assets:
NT's UK pensions: 7,250 pounds ($14,500)
14,721 pounds ($29,442)
NT's 401(k): $8,119
AS's 403(b): $3,237
AS's IRA: $1,682
AS's 401(k): $353
CJ's 401(k): $31,745
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,355
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Total Assets: $517,433
Total Debt: $366,399
Current Estimated Net Worth: $151,034
April 2010 estimate: $152,639
Change in net worth: -$1,605
Summary: We suffered a dip in net worth for the first time in ages. NT's and my 401(k) accounts lost about $4K total, and small gains for AS and the baby/EF, as well as a modest decrease in our debt, weren't enough to offset that. I wasn't aware there was market volatility this month, beyond that one crazy day on Wall Street.
I will update my "Individual Net Worth" page shortly so you can see how it breaks out.
Notes on the numbers above: House value estimates are fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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April 21st, 2010 at 04:48 pm
First, some fun news. Little Miss AA has a positive net worth of $238! We haven't even begun trying to save anything for her--we need to clean up our own finances much more first--but her UK grandpa gave her $210, and NT's office had a baby-name pool where the winner decided to hand the $28 prize over to the baby!
I don't think I'll be tracking her net worth as part of ours, since of course she'll be making her own way someday. But I thought it was neat that she already has some money to her name. We hope to teach her to be a saver (and a smart spender) early on so she doesn't make as many youthful mistakes as we did.
Anyway, on to our net worth.
Assets:
NT's UK pensions: 7,250 pounds ($14,500)
14,721 pounds ($29,442)
NT's 401(k): $8,247
AS's 403(b): $3,237
AS's IRA: $1,682
AS's 401(k): $328
CJ's 401(k): $34,388
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,304
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Total Assets: $520,128
Total Debt: $367,489
Current Estimated Net Worth: $152,639
March 2010 estimate: $147,011
Change in net worth: +$5,628
Summary: We paid off a big chunk of debt and had some nice gains in our retirement accounts. Oh, and I did some research on our home's value and am fairly satisfied that $160K is still a valid number. If we had to offload it in a hurry, we'd probably have trouble getting that amount, but if we had time to fix it up and let it be listed for a while, it would eventually sell at that price, I believe. Since we won't need to sell any time soon, I'm going to leave it at that value.
I will update my "Individual Net Worth" page shortly so you can see how it breaks out.
Notes on the numbers above: House value estimates are fairly conservative. 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. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.
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