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

Total Debt: $253,862

Current Estimated Net Worth: $310,698

April 2013 estimate: $308,089

Change in net worth: +$2,609

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

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

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

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

Total Debt: $255,536

Current Estimated Net Worth: $308,089

April 2013 estimate: $301,126

Change in net worth: +$6,963

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

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

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

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

Total Debt: $258,175

Current Estimated Net Worth: $301,126

April 2013 estimate: $263,203

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

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

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

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

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

Total Debt: $264,430

Current Estimated Net Worth: $263,203

March 2013 estimate: $259,884

Change in net worth: +$3,319

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

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

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

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

Total Debt: $268,179

Current Estimated Net Worth: $259,884

February 2013 estimate: $247,924

Change in net worth: +$11,960

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

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

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

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

Total Debt: $276,737

Current Estimated Net Worth: $247,924

January 2013 estimate: $243,944

Change in net worth: +$3,980

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

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

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

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

Total Debt: $277,633

Current Estimated Net Worth: $243,944

August 2012 estimate: $308,187

Change in net worth: -$64,243

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

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

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

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

Notes on the numbers above: House value estimates are approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $1.60 for every British pound.

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

Total Debt: $299,943

Current Estimated Net Worth: $308,187

August 2012 estimate: $299,508

Change in net worth: +$8,679

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

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

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

Notes on the numbers above: House value estimates are very approximate. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $2 for every British pound, which was the exchange rate when I started keeping track. Starting in 2013 I'm going to use the true current exchange rate, which is now closer to $1.60 per British pound.

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
---
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.

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
---
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.

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
---
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.

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
---
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.

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
---
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.

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
---
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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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
---
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.

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
---
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.