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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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!

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.

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.

Originally posted
September 1st, 2019 at 09:02 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): $78,579
NT's Roth IRA: $37,121
AS's trad. IRA: $20,071
AS's Roth IRA: $57,186
AS's SEP IRA: $31,975
AS's cash: $2,259
CJ's 401(k): $144,812
CJ's Roth IRA: $41,317
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,124,343

Debts:
US Mortgage $377,973
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,146
UK Mortgage 2 $6,355
UK Mortgage 3 $6,693
-----
TOTAL DEBT $430,167

Current Estimated Net Worth: $694,176

July 2019 estimate: $700,039

Change in net worth: -$5,863

Summary: Well, our $700K milestone was short-lived...all our accounts lost worth, and our contributions couldn't keep up. Plus, we already calculated August debt repayment in our July net worth, so we didn't have a reduced debt number to offset the market losses.

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.

Originally posted
May 31st, 2019 at 12:56 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): $73,847
NT's Roth IRA: $33,922
AS's trad. IRA: $19,371
AS's Roth IRA: $53,813
AS's SEP IRA: $30,041
AS's cash: $2,259
CJ's 401(k): $137,532
CJ's Roth IRA: $38,476
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,100,284

Debts:
US Mortgage $379,470
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,508
UK Mortgage 2 $6,431
UK Mortgage 3 $6,773
---
TOTAL DEBT $432,182

Current Estimated Net Worth: $668,102

April 2019 estimate: $680,223

Change in net worth: -$12,121

Summary: Last month I was excited to gain nearly $22K in net worth. This month we lost nearly half of that. Market volatility is no joke and it just gets more pronounced the more skin in the game you have! Frown

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.

Originally posted
July 31st, 2019 at 09:26 am

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): $78,908
NT's Roth IRA: $37,071
AS's trad. IRA: $20,530
AS's Roth IRA: $57,666
AS's SEP IRA: $32,810
AS's cash: $2,259
CJ's 401(k): $148,563
CJ's Roth IRA: $41,376
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,130,206

Debts:
US Mortgage $377,973
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,146
UK Mortgage 2 $6,355
UK Mortgage 3 $6,693
-----
TOTAL DEBT $430,167

Current Estimated Net Worth: $700,039

May 2019 estimate: $698,769

Change in net worth: +$1,270

Summary: Our net worth stayed almost exactly the same. I realized that since I checked June balances on July 6, I already captured July Roth contributions and debt payments as part of the big leap in net worth we had last month, so that makes sense. The existing values of our funds are flat from when I checked them last.

Nevertheless, it was enough to tip us past an exciting milestone--over $700K in net worth!

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.

Originally posted
April 30th, 2019 at 09:06 am

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): $75,205
NT's Roth IRA: $35,010
AS's trad. IRA: $20,205
AS's Roth IRA: $55,304
AS's SEP IRA: $31,447
AS's cash: $2,259
CJ's 401(k): $143,702
CJ's Roth IRA: $39,254
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,113,409

Debts:
US Mortgage $380,215
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,689
UK Mortgage 2 $6,469
UK Mortgage 3 $6,813
---
TOTAL DEBT $433,186

Current Estimated Net Worth: $680,223

March 2019 estimate: $658,359

Change in net worth: +$21,864

Summary: It was a huge month for net worth! All our retirement accounts posted gains, and I caught up on a couple years' worth of gains on one of NT's UK accounts.

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.

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): $80,969
NT's Roth IRA: $38,300
AS's trad. IRA: $20,410
AS's Roth IRA: $58,738
AS's SEP IRA: $33,731
AS cash: $2,259
CJ's 401(k): $147,876
CJ's Roth IRA: $42,573
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,135,879

Debts:
US Mortgage $376,468
Loan from friends (duplex) $9,000
UK Mortgage 1 $29,785
UK Mortgage 2 $6,279
UK Mortgage 3 $6,611
---
TOTAL DEBT $428,143

Current Estimated Net Worth: $707,736

August 2019 estimate: ???

Change in net worth: +???

Summary: I know our net worth went up because we've never been above $700K before, but I'm not sure how much because my August/September blog entries are gone. Ah well, it's great news regardless!

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $72,797
NT's Roth IRA: $33,475
AS's trad. IRA: $19,642
AS's Roth IRA: $53,167
AS's SEP IRA: $31,640
CJ's 401(k): $138,748
CJ's Roth IRA: $37,592
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,092,547

Debts:
US Mortgage $380,958
Loan from friends (duplex) $9,000
UK Mortgage 1 $30,869
UK Mortgage 2 $6,508
UK Mortgage 3 $6,853
---
TOTAL DEBT $434,188

Current Estimated Net Worth: $658,359

January 2019 estimate: $652,740

Change in net worth: +$5,619

Summary: Most of our retirement accounts stayed flat but we eked out a modest gain this past month.

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

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $71,789
NT's Roth IRA: $32,737
AS's trad. IRA: $19,485
AS's Roth IRA: $52,785
AS's SEP IRA: $31,416
CJ's 401(k): $136,909
CJ's Roth IRA: $37,325
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,087,932

Debts:
US Mortgage $381,699
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,053
UK Mortgage 2 $6,546
UK Mortgage 3 $6,894
---
TOTAL DEBT $435,192

Current Estimated Net Worth: $652,740

January 2019 estimate: $638,085

Change in net worth: +$14,655

Summary: We reached our 2018 goal, 2 months late, temporarily anyway: over $650K in net worth!

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $69,771
NT's Roth IRA: $31,272
AS's trad. IRA: $18,946
AS's Roth IRA: $50,746
AS's SEP IRA: $30,489
CJ's 401(k): $131,822
CJ's Roth IRA: $35,739
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,074,271

Debts:
US Mortgage $382,438
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,231
UK Mortgage 2 $6,584
UK Mortgage 3 $6,933
---
TOTAL DEBT $436,186

Current Estimated Net Worth: $638,085

December 2018 estimate: $608,883

Change in net worth: +$29,202

Summary: A lot of our retirement funds recovered, so our net worth is now at its highest yet! Still not at the $650K we were hoping to reach in 2018, and I'm sure we're way behind on our retirement goal (which I'll update shortly if there's been any positive progress), but all things considered, we recovered nicely from the crater of late 2018. I don't take it for granted though; I think there's a lot of volatility ahead.

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $65,000
NT's Roth IRA: $28,427
AS's trad. IRA: $17,592
AS's Roth IRA: $45,967
AS's SEP IRA: $31,914
CJ's 401(k): $119,579
CJ's Roth IRA: $32,096
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,046,061

Debts:
US Mortgage $383,174
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,410
UK Mortgage 2 $6,621
UK Mortgage 3 $6,973
---
TOTAL DEBT $437,178

Current Estimated Net Worth: $608,883

November 2018 estimate: $626,147

Change in net worth: -$17,264

Summary: We lost last month’s clawback and then some. Sigh. We’re essentially where we were at the end of June. Not a great way to end the year, but oh well.

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $68,536
NT's Roth IRA: $30,623
AS's trad. IRA: $18,848
AS's Roth IRA: $49,538
AS's SEP IRA: $26,427
CJ's 401(k): $130,284
CJ's Roth IRA: $34,576
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,064,318

Debts:
US Mortgage $383,909
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,590
UK Mortgage 2 $6,659
UK Mortgage 3 $7,013
---
TOTAL DEBT $438,171

Current Estimated Net Worth: $626,147

August 2018 estimate: $615,442

Change in net worth: $10,705

Summary: We made up about half the net worth we lost last month, partly through modest fund recovery, plus debt repayment and retirement contributions.

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 28,134 pounds ($35,168)
FL: 6,462 pounds ($8,078)
NT's 401(k): $67,114
NT's Roth IRA: $28,786
AS's trad. IRA: $18,563
AS's Roth IRA: $48,747
AS's SEP IRA: $26,010
CJ's 401(k): $127,220
CJ's Roth IRA: $32,672
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,054,601

Debts:
US Mortgage $384,641
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,769
UK Mortgage 2 $6,696
UK Mortgage 3 $7,053
---
TOTAL DEBT $439,159

Current Estimated Net Worth: $615,442

August 2018 estimate: $635,925

Change in net worth: -$20,483

Summary: Not a fun month to total up. Despite a $2K gain in a UK pension's value and paying off nearly a thousand in debt, our net worth tanked by over $20K over the past month. It's now about where it was in mid-July. Performance-wise, this month erased the gains of the entire year; all our account performances are minus 0.5-2% for the period beginning Jan. 1. But since we've been contributing to retirement and paying down debt, it didn't erase all of the net worth progress of this year.

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.

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $70,321
NT's Roth IRA: $30,975
AS's trad. IRA: $19,888
AS's Roth IRA: $51,078
AS's SEP IRA: $27,988
CJ's 401(k): $137,166
CJ's Roth IRA: $35,156
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,076,070

Debts:
US Mortgage $385,371
Loan from friends (duplex) $9,000
UK Mortgage 1 $31,948
UK Mortgage 2 $6,735
UK Mortgage 3 $7,091
---
TOTAL DEBT $440,145

Current Estimated Net Worth: $635,925

August 2018 estimate: $629,727

Change in net worth: +$6,198

Summary: OK gains this month, mainly due to debt payment and retirement contributions, not market growth. My 2018 net worth goal of $650K still seems within the realm of possibility! We would only need to gain about $4700 per month October-December to get there...

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

Assets:
NT's UK pensions:
AV: 17,967 pounds ($22,459)
SW: 26,544 pounds ($33,180)
FL: 6,462 pounds ($8,078)
NT's 401(k): $68,397
NT's Roth IRA: $29,585
AS's trad. IRA: $19,887
AS's Roth IRA: $51,051
AS's SEP IRA: $26,374
CJ's 401(k): $136,923
CJ's Roth IRA: $35,141
NT's flat: $212,500 (200,000 pounds value x1.25 -15%)
CJ/NT/AS house: $427,281 ($454,554 value -6%)
---
TOTAL ASSETS: $1,070,856

Debts:
US Mortgage $386,099
Loan from friends (duplex) $9,000
UK Mortgage 1 $32,126
UK Mortgage 2 $6,773
UK Mortgage 3 $7,131
---
TOTAL DEBT $441,129

Current Estimated Net Worth: $629,727

July 2018 estimate: $618,678

Change in net worth: +$11,049

Summary: Pretty big gains this month, almost as much as last month. My 2018 net worth goal seems a lot more within the realm of possibility!

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.