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April 8 net worth update (reflecting the new rental property)

April 8th, 2022 at 10:31 pm

Assets:
NT's UK pensions:
AV1: 22,397 pounds ($27,996)
SW: 27,225 pounds ($34,031)
AV2: 7,567 pounds ($9,459)
NT's trad. rollover IRA: $108,777
NT's Roth IRA: $69,327
NT's SEP/SIMPLE: $3,796
AS's trad. rollover IRA: $27,320
AS's Roth IRA: $97,469
AS's SEP IRA: $73,073

AS uninvested cash: $6,013
CJ's 401(k): $229,833
CJ's Roth IRA: $75,125
CJ/NT/AS house: $592,200 ($630,000 value -6%)

CJ/NT/AS rental property: $520,760 ($554,000 value -6%)
---
TOTAL ASSETS: $1,875,179

Debt:
Main mortgage $359,456

Rental property mortgage: $396,351

Loan from friends (duplex) $9,000
---
TOTAL DEBT $764,807

Current Estimated Net Worth: $1,110,372

December 2021 estimate: $1,208,835

Change in net worth: -$98,463

Summary: I didn't update net worth for a few months, hoping the markets would recover and we'd have a positive update, but I don't know when that's gonna happen and I wanted to refresh the net worth sheet to reflect the rental property we bought.

We're down nearly $100K from December's net worth. About half of that is losses in our retirement portfolio value, and the other half is from buying the house. We had $188K of proceeds from selling NT's UK flat in the previous net worth update. From that, we made a $133K down payment, and about $30K went to closing costs, repairs, and covering the mortgage and utilities until it's fully rented. The other $25K is sitting in savings, but I'm not counting it toward our net worth since it's there to cover further repairs or expenses. (One unit will be occupied come May 1, but the other one is still not rented, so the mortgage is not quite covered and we're paying utilities on both units for now.)

So, it's not great news on the net worth, but hopefully it'll be smooth sailing soon in both the stock market and on the rental property front!

Notes on the numbers above: House value estimates are usually approximate. UK pension values updated about once a year. UK asset values are calculated figuring $1.25 for every British pound (just to have a system, even though the exchange rate varies).

 

 

December 2021 net worth update

January 5th, 2022 at 06:18 am

Assets:
NT's UK pensions:
AV1: 22,397 pounds ($27,996)
SW: 27,225 pounds ($34,031)
AV2: 7,567 pounds ($9,459)
NT's trad. rollover IRA: $116,857
NT's Roth IRA: $72,911
NT's SEP/SIMPLE: $3,709
AS's trad. rollover IRA: $29,355
AS's Roth IRA: $103,147
AS's SEP IRA: $78,516
CJ's 401(k): $244,478
CJ's Roth IRA: $79,142
Proceeds of NT's flat: $188,000
CJ/NT/AS house: $592,200 ($630,000 value -6%)
---
TOTAL ASSETS: $1,579,801

Debt:
US Mortgage $361,966
Loan from friends (duplex) $9,000
---
TOTAL DEBT $370,966

Current Estimated Net Worth: $1,208,835

September 2021 estimate: $1,151,336

Change in net worth: +$57,499

Summary: I didn't update net worth for a few months, so we made up what we lost in September plus some! We'll have some big shifts in assets and debt next month when we close on a rental property, but it won't change our net worth much.

Notes on the numbers above: House value estimates are usually approximate. UK pension values updated about once a year. UK asset values are calculated figuring $1.25 for every British pound (just to have a system, even though the exchange rate varies).

September 2021 net worth update

October 7th, 2021 at 03:24 am

Assets:
NT's UK pensions:
AV1: 22,397 pounds ($27,996)
SW: 27,225 pounds ($34,031)
AV2: 7,567 pounds ($9,459)
NT's trad. rollover IRA: $110,944
NT's Roth IRA: $68,620
NT's SEP/SIMPLE: $1,237
AS's trad. rollover IRA: $27,899
AS's Roth IRA: $96,160
AS's SEP IRA: $73,417
CJ's 401(k): $230,274
CJ's Roth IRA: $73,553
Proceeds of NT's flat: $179,000 (approx)
CJ/NT/AS house: $592,200 ($630,000 value -6%)
---
TOTAL ASSETS: $1,524,790

Debt:
US Mortgage $364,454
Loan from friends (duplex) $9,000
---
TOTAL DEBT $373,454

Current Estimated Net Worth: $1,151,336

August 2021 estimate: $1,173,382

Change in net worth: -$22,046

Summary: Our first big dip in a while due to the market's effect on our retirement accounts. You may notice our debt section is a lot shorter--it's because we sold the UK flat and paid off the UK mortgages! We about broke even net worth-wise on that. I keep meaning to do a big news update but still waiting for some things to be sorted out on the flat taxes as well as the net pay for AS's new job.

Notes on the numbers above: House value estimates are usually approximate. UK pension values updated about once a year. UK asset values are calculated figuring $1.25 for every British pound (just to have a system, even though the exchange rate varies).

August 2021 net worth update

September 3rd, 2021 at 07:30 pm

Assets:
NT's UK pensions:
AV1: 22,397 pounds ($27,996)
SW: 27,225 pounds ($34,031)
AV2: 7,567 pounds ($9,459)
NT's trad. rollover IRA: $115,452
NT's Roth IRA: $71,485
NT's SEP/SIMPLE: $1,291
AS's trad. rollover IRA: $29,021
AS's Roth IRA: $99,716
AS's SEP IRA: $76,485
CJ's 401(k): $238,074
CJ's Roth IRA: $76,104
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $592,200 ($630,000 value -6%)
---
TOTAL ASSETS: $1,583,814

Debt:
US Mortgage $365,279
Loan from friends (duplex) $9,000
UK Mortgage 1 $25,233
UK Mortgage 2 $5,319
UK Mortgage 3 $5,601
---
TOTAL DEBT $410,432

Current Estimated Net Worth: $1,173,382

June 2021 estimate: $1,138,177

Change in net worth: +$35,205

Summary: Good healthy rise in value over two months, mainly due to retirement contributions & gains!

Notes on the numbers above: House value estimates are usually approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound (just to have a system, even though I checked the exchange rate and it's more like 1 to $1.38).

June 2021 net worth update

June 30th, 2021 at 02:43 am

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 27,225 pounds ($34,031)
FL: 6,462 pounds ($8,078)
NT's trad. rollover IRA: $111,934
NT's Roth IRA: $66,268
NT's SEP/SIMPLE: $2,500
AS's trad. rollover IRA: $28,143
AS's Roth IRA: $95,092
AS's SEP IRA: $72,046
CJ's 401(k): $228,862
CJ's Roth IRA: $72,251
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $592,200 ($630,000 value -6%)
---
TOTAL ASSETS: $1,551,901

Debt:
US Mortgage $367,740
Loan from friends (duplex) $9,000
UK Mortgage 1 $25,813
UK Mortgage 2 $5,441
UK Mortgage 3 $5,730
---
TOTAL DEBT $413,724

Current Estimated Net Worth: $1,138,177

May 2021 estimate: $1,122,570

Change in net worth: +$15,607

Summary: I actually remembered to do net worth two months in a row, and it was a pretty good month!

Notes on the numbers above: House value estimates are usually approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound (just to have a system, even though I checked the exchange rate and it's more like 1 to $1.38).

January 2021 net worth update

February 1st, 2021 at 12:09 am

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 27,225 pounds ($34,031)
FL: 6,462 pounds ($8,078)
NT's trad. IRA: $100,547
NT's Roth IRA: $56,914
AS's trad. IRA: $25,336
AS's Roth IRA: $82,582
AS's SEP IRA: $61,625
CJ's 401(k): $199,238
CJ's Roth IRA: $62,265
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $592,200 ($630,000 value -6%)
---
TOTAL ASSETS: $1,463,312

Debt:
US Mortgage $371,796
Loan from friends (duplex) $9,000
UK Mortgage 1 $26,779
UK Mortgage 2 $5,645
UK Mortgage 3 $5,944
---
TOTAL DEBT $419,164 

Current Estimated Net Worth: $1,044,148

December 2020 estimate: $1,039,463

Change in net worth: +$4,685

Summary: The markets did us no favors, but we made enough retirement contributions and paid off enough debt to show a modest gain this month.

Notes on the numbers above: House value estimates are usually approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

December 2020 net worth update

January 2nd, 2021 at 07:16 am

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 27,225 pounds ($34,031)
FL: 6,462 pounds ($8,078)
NT's trad. IRA: $100,851
NT's Roth IRA: $56,572
AS's trad. IRA: $25,413
AS's Roth IRA: $82,315
AS's SEP IRA: $59,256
CJ's 401(k): $198,555
CJ's Roth IRA: $61,939
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $592,200 ($630,000 value -6%)
---
TOTAL ASSETS: $1,459,706

Debts:
US Mortgage $372,600

Loan from friends (duplex) $9,000
UK Mortgage 1 $26,970
UK Mortgage 2 $5,685
UK Mortgage 3 $5,988
---
TOTAL DEBT $420,243

Current Estimated Net Worth: $1,039,463

November 2020 estimate: $1,015,882

Change in net worth: +$23,581

Summary: The gains continued for another month and my household closed out 2020 with net worth millionaire status!

Notes on the numbers above: House value estimates are usually approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

November 2020 net worth update - and a huge milestone!

November 30th, 2020 at 03:21 pm

I never got around to calculating last month's net worth, so this represents the change over two months. But holy cow, what a surprise I came back to this month!

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 27,225 pounds ($34,031)
FL: 6,462 pounds ($8,078)
NT's trad. IRA: $97,596
NT's Roth IRA: $54,171
AS's trad. IRA: $24,606
AS's Roth IRA: $79,044
AS's SEP IRA: $57,264
CJ's 401(k): $190,361
CJ's Roth IRA: $59,357
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $592,200 ($630,000 value -6%)
---
TOTAL ASSETS: $1,437,204

Debts:
US Mortgage $373,403
Loan from friends (duplex) $9,000
UK Mortgage 1 $27,163
UK Mortgage 2 $5,726
UK Mortgage 3 $6,030
---
TOTAL DEBT $421,322

Current Estimated Net Worth: $1,015,882

 September 2020 estimate: $965,842

Change in net worth (over 2 months): +$50,040

Summary: Wow. We're a net worth millionaire household. I don't even know how to comprehend that! 

A little over 13 years ago, in September 2007, I started tracking our net worth, and my initial valuation then was $54,903. Little did I know at the time that our condo had lost a ton of value when the housing bubble burst, so it was probably a lot closer to $0 than I realized. So we've essentially built up a million dollars of net worth in those 13 years.

Notes on the numbers above: House value estimates are usually approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

September 2020 net worth update

October 3rd, 2020 at 03:28 am

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $93,680
NT's Roth IRA: $48,994
AS's trad. IRA: $22,594
AS's Roth IRA: $71,675
AS's SEP IRA: $52,334
CJ's 401(k): $169,215
CJ's Roth IRA: $53,734
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $592,200 ($630,000 value -6%)
---
TOTAL ASSETS: $1,389,309

Debts:
US Mortgage $375,000
Loan from friends (duplex) $9,000
UK Mortgage 1 $27,546
UK Mortgage 2 $5,806
UK Mortgage 3 $6,115
---
TOTAL DEBT $423,467

Current Estimated Net Worth: $965,842

July 2020 estimate: $972,273

Change in net worth: -$6,431

Summary: Considering our net worth jumped about $40K over the past two months, and with all the chaos of late, not really surprised we lost $6K this past month. The loss may have been offset by this month's Roth contributions coming through; I'm not really sure.

I've requested automatic debit for our new mortgage but didn't get any notice it had been set up, so we mailed a check on the 30th. It'll definitely get to them before the 15th so I'm not worried, but it's weird not to have a US mortgage payment go through in the first couple days of the month!

Notes on the numbers above: House value estimates are usually approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

August 2020 net worth update

September 2nd, 2020 at 02:42 pm

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $96,078
NT's Roth IRA: $49,313
AS's trad. IRA: $23,169
AS's Roth IRA: $72,591
AS's SEP IRA: $50,695
CJ's 401(k): $172,906
CJ's Roth IRA: $54,182
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $592,200 ($630,000 value -6%)
---
TOTAL ASSETS: $1,396,017

Debts:
US Mortgage $375,000
Loan from friends (duplex) $9,000
UK Mortgage 1 $27,738
UK Mortgage 2 $5,848
UK Mortgage 3 $6,158
---
TOTAL DEBT $423,744

Current Estimated Net Worth: $972,273

July 2020 estimate: $952,110

Change in net worth: +$20,163

Summary: Jeez, even with adding almost $5K in debt due to the refinance, our net worth jumped again this month. I think we've gained $40K in retirement value over two months, which is, yeah, not going to be a lasting gain. I wonder if we'll reach a million in net worth before the bubble bursts?

Notes on the numbers above: House value estimates are usually approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

July 2020 net worth update

July 31st, 2020 at 05:55 pm

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $92,548
NT's Roth IRA: $46,606
AS's trad. IRA: $21,978
AS's Roth IRA: $68,610
AS's SEP IRA: $47,913
CJ's 401(k): $163,988
CJ's Roth IRA: $51,208
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $592,200 ($630,000 value -6%)
---
TOTAL ASSETS: $1,369,934

Debts:
US Mortgage $368,807
Loan from friends (duplex) $9,000
UK Mortgage 1 $27,929
UK Mortgage 2 $5,888
UK Mortgage 3 $6,200
---
TOTAL DEBT $417,824

Current Estimated Net Worth: $952,110

June 2020 estimate: $758,303

Change in net worth: +$193,807

Summary: Wow, thanks to the higher-than-expected home appraisal, we're suddenly nearing net-worth-millionaire status! Our retirement accounts were all up a fair bit too--maybe $20K? So that helped too!

If our refi goes through we'll add about $5K to our debt next month, so I don't expect to keep at this level. I'm also thinking the stock markets can't hold out against the recession forever, so those could tank at any time. Still, this is a nice number to see!

Notes on the numbers above: House value estimates are usually approximate. UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

June 2020 net worth update

July 1st, 2020 at 03:34 am

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $88,673
NT's Roth IRA: $43,474
AS's trad. IRA: $21,004
AS's Roth IRA: $64,468
AS's SEP IRA: $45,695
CJ's 401(k): $153,837
CJ's Roth IRA: $47,862
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,177,177

Debts:
US Mortgage $369,583
Loan from friends (duplex) $9,000
UK Mortgage 1 $228,120
UK Mortgage 2 $5,928
UK Mortgage 3 $6,243
---
TOTAL DEBT $418,874

Current Estimated Net Worth: $758,303

May 2020 estimate: $743,824

Change in net worth: +$14,479

Summary: Our net worth finally surpassed our previous high which was way back in January. Five months later we have gained $545 in wealth. (And I'm certainly not counting on this amount.) I'm not going to do a retirement progress update yet though, because we've paid off about $5K in debt in those months, so I know overall our retirement accounts are still off their January highs.

I will be interested to see if our appraisal for the refi we're attempting will turn up a higher home value than what I have. But again, considering how weird everything is right now, not really counting on anything.

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.

May 2020 net worth update

June 1st, 2020 at 01:14 am

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $85,506
NT's Roth IRA: $41,775
AS's trad. IRA: $20,447
AS's Roth IRA: $62,200
AS's SEP IRA: $44,055
CJ's 401(k): $151,556
CJ's Roth IRA: $46,042
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,163,745

Debts:
US Mortgage $370,357
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,311
UK Mortgage 2 $5,968
UK Mortgage 3 $6,285
---
TOTAL DEBT $419,921

Current Estimated Net Worth: $743,824

April 2020 estimate: $703,686

Change in net worth: +$40,138

Summary: We lost $85K total value in February and March, and have gained about $72K back, so we're about $13K off from our pre-pandemic high.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

April 2020 net worth update

May 1st, 2020 at 03:36 am

Wow, I see that for the first time...ever? I forgot to record my debt payments for the month. Oh well. I'll do two months' worth when I do May's mortgage payments. If I even remember to. Heh. Time is weird these days.

Anyway, let me do my net worth update before I forget THAT too!

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,254
NT's Roth IRA: $39,397
AS's trad. IRA: $19,582
AS's Roth IRA: $58,914
AS's SEP IRA: $42,088
CJ's 401(k): $126,862
CJ's Roth IRA: $43,474
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,124,735

Debts:
US Mortgage $371,129
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,503
UK Mortgage 2 $6,048
UK Mortgage 3 $6,369
---
TOTAL DEBT $421,049

Current Estimated Net Worth: $703,686

March 2020 estimate: $671,958

Change in net worth: +$31,728

Summary: We lost $85K total value in February and March, and gained almost $32K here, so we're about $53K off from our pre-pandemic high.

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

March 2020 net worth update

April 1st, 2020 at 03:31 pm

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $75,245
NT's Roth IRA: $35,213
AS's trad. IRA: $17,852
AS's Roth IRA: $52,913
AS's SEP IRA: $34,803
CJ's 401(k): $126,862
CJ's Roth IRA: $38,910
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,093,962

Debts:
US Mortgage $371,898
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,689
UK Mortgage 2 $6,048
UK Mortgage 3 $6,369
---
TOTAL DEBT $422,004

Current Estimated Net Worth: $671,958

February 2020 estimate: $726,548

Change in net worth: -$54,590

Summary: Last month we lost $31K, $54K this month, $85K total so far. We're about where we were last May. Repeating my mantra: buying low, buying low, buying low...

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

February 2020 net worth update

March 2nd, 2020 at 05:19 am

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,905
NT's Roth IRA: $40,104
AS's trad. IRA: $20,412
AS's Roth IRA: $60,498
AS's SEP IRA: $40,131
CJ's 401(k): $149,001
CJ's Roth IRA: $44,368
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,149,583

Debts:
US Mortgage $372,665
Loan from friends (duplex) $9,000
UK Mortgage 1 $28,874
UK Mortgage 2 $6,086
UK Mortgage 3 $6,410
---
TOTAL DEBT $423,035

Current Estimated Net Worth: $726,548

January 2020 estimate: $757,758

Change in net worth: -$31,210

Summary: Considering the news about the Dow crash and everything, I guess it's good that I've only lost about two and a half months' worth of gains. Will be buying low, buying low, buying low...

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

January 2020 net worth

February 1st, 2020 at 05:01 am

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $87,170
NT's Roth IRA: $42,969
AS's trad. IRA: $21,755
AS's Roth IRA: $64,813
AS's SEP IRA: $42,998
CJ's 401(k): $162,413
CJ's Roth IRA: $47,537
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,181,819

Debts:
US Mortgage $373,430
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,056
UK Mortgage 2 $6,125
UK Mortgage 3 $6,450
---
TOTAL DEBT $424,061

Current Estimated Net Worth: $757,758

December 2019 estimate: $755,732

Change in net worth: +$2,026

Summary: After a couple big months, gaining $2K doesn't seem like much, but given all the uncertainty out there, I'll take it of course!

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

December 2019 net worth update

December 31st, 2019 at 03:41 pm

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $86,522
NT's Roth IRA: $43,321
AS's trad. IRA: $21,896
AS's Roth IRA: $64,340
AS's SEP IRA: $45,359
CJ's 401(k): $160,289
CJ's Roth IRA: $46,926
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,180,817

Debts:
US Mortgage $374,193
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,238
UK Mortgage 2 $6,164
UK Mortgage 3 $6,490
---
TOTAL DEBT $425,085

Current Estimated Net Worth: $755,732

November 2019 estimate: $730,941

Change in net worth: +$24,791

Summary: A really big month propelled us past the three-quarter-million net worth mark! Part of it was AS's quarterly retirement contribution -- she had a huge fourth quarter so I put in over $4K. I know volatility is still on the horizon but it's waited awhile, so I'll enjoy the gains while I can!

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

November 2019 net worth update

December 3rd, 2019 at 03:45 pm

I was so busy last month that I'm late on my update. Therefore some retirement contributions that would ordinarily show up in my December net worth update will be here. This note will remind me not to be disappointed at our progress end of December! Smile

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 29,047 pounds ($36,309)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,940
NT's Roth IRA: $40,895
AS's trad. IRA: $21,198
AS's Roth IRA: $62,163
AS's SEP IRA: $37,479
CJ's 401(k): $154,863
CJ's Roth IRA: $45,345
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,157,047

Debts:
US Mortgage $374,953
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,421
UK Mortgage 2 $6,201
UK Mortgage 3 $6,531
---
TOTAL DEBT $426,106

Current Estimated Net Worth: $730,941

October 2019 estimate: $718,815

Change in net worth: +$12,126

Summary: Another good month, also bolstered by the fact that December contributions got in here as well. I'll enjoy the gains while I can!

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.

October 2019 net worth update

October 31st, 2019 at 03:30 pm

Assets:
NT's UK pensions:
AV: 22,397 pounds ($27,996)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $82,176
NT's Roth IRA: $39,305
AS's trad. IRA: $20,906
AS's Roth IRA: $60,273
AS's SEP IRA: $36,925
CJ's 401(k): $151,644
CJ's Roth IRA: $43,689
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,145,941

Debts:
US Mortgage $375,712
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,603
UK Mortgage 2 $6,240
UK Mortgage 3 $6,571
---
TOTAL DEBT $427,126

Current Estimated Net Worth: $718,815

September 2019 estimate: $707,736

Change in net worth: +$11,079

Summary: Another good month; I'll enjoy the gains while I can and then try to focus on how I'm buying low during the recession! It's only a matter of time before it hits...

Notes on the numbers above: House value estimates are approximate. (I do have my eye on a comparable listing for the UK flat, but it's been on the market a long time.) UK pension values updated about once a year. UK asset values and debt amounts are calculated figuring $1.25 for every British pound.