Last month we lost about $16K in net worth and this month we gained about $38K, so it's like we gained an average of $19K per month over the past two. About $7K was getting an annual update on one of NT's UK retirement accounts, which I don't have online access to so only get updates when they come in the mail. Another $2K was paying down our mortgages.

This month I'm going to start putting together my annual budget for next year. It's going to be hard to predict because NT might start a new job around March that'll be nearly double what he currently makes, but we don't have a firm offer with start date, salary, benefits and terms of contract, so I'll probably work up the whole year with his current income and then we can do a big shift midyear if the job really does come through.

One thing I really need to do is look at where we had unplanned spending and budget overages, and work that into the regular budget so we have less of that type of surprise next year. I know for sure healthcare will need to be upped quite a bit, and we really need regular categories for home improvement, dates, kid activities/expenses etc. I had a blanket $300 per month for unplanned expenses but we blew through that; we need to bake a lot more into the standard budget so AS and I know how much we should be trying to pull in with our business.

Anyway, I'll have a detailed run-down of all of that at the end of the year!