Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $10,812
AS's 401(k): $4,540
AS's IRA: $1,682
CJ's 401(k): $36,526
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,686
---
Total Assets: $547,000

Total Debt: $355,017

Current Estimated Net Worth: $191,983

October 2010 estimate: $188,624

Change in net worth: +$3,359

Summary: Weird, our assets came to an even thousand! All of our U.S. retirement funds posted gains and we paid off a moderate amount of debt, so we had a nice gain in net worth this month.

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

Notes on the numbers above: House value estimates are fairly conservative. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $2 for every British pound, which was the exchange rate when I started keeping track. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.

Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 16,005 pounds ($32,010)
#3: 3,709 pounds ($7,418)
NT's 401(k): $10,376
AS's 403(b): $3,300
AS's IRA: $1,682
AS's 401(k): $1,005
CJ's 401(k): $35,078
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,634
---
Total Assets: $544,829

Total Debt: $356,205

Current Estimated Net Worth: $188,624

August 2010 estimate: $181,108

Change in net worth: +$7,516

Summary: All of our U.S. retirement funds posted gains, and I also got an annual notice of gains on one of NT's UK pensions. We also of course paid off the last credit card, so debt decreased by a bit. All in all a great month! I don't expect I'll do much with either debt or savings for the rest of the year, so our gains will probably be more modest. But I do plan to start Roth IRA accounts for all of us in 2011, so that will help the balance sheet.

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

Notes on the numbers above: House value estimates are fairly conservative. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $2 for every British pound, which was the exchange rate when I started keeping track. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.

Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 14,721 pounds ($29,442)
#3: 3,709 pounds ($7,418)
NT's 401(k): $9,929
AS's 403(b): $3,300
AS's IRA: $1,682
AS's 401(k): $842
CJ's 401(k): $33,529
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,584
---
Total Assets: $540,052

Total Debt: $358,944

Current Estimated Net Worth: $181,108

August 2010 estimate: $175,615

Change in net worth: +$5,493

Summary: All of our U.S. retirement funds posted gains. Add in the largish amount of debt I was able to pay down since the last net worth update, and we've got a pretty impressive increase on our hands! I don't think we'll crack $200K this year, but barring any more major losses in real estate value or our retirement investments, we should get there in early 2011.

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

Notes on the numbers above: House value estimates are fairly conservative. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $2 for every British pound, which was the exchange rate when I started keeping track. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.

Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 14,721 pounds ($29,442)
#3: 3,709 pounds ($7,418)
NT's 401(k): $9,397
AS's 403(b): $3,300
AS's IRA: $1,682
AS's 401(k): $741
CJ's 401(k): $31,772
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,532
---
Total Assets: $537,610

Total Debt: $361,995

Current Estimated Net Worth: $175,615

July 2010 estimate: $173,902

Change in net worth: +$1,713

Summary: My 401(k) lost a few hundred bucks, but we paid off enough debt to still see a small gain in net worth. Nothing like when NT discovers forgotten pension plans, though!

AS and I hit an exciting milestone: positive combined net worth. Our finances have been tied together since she was 18 and I was 23, so I kind of consider them to still be combined. Well, my net worth hit $24,612 and hers is negative $24,547, so together we're at positive $65! Woo hoo, we're not dragging NT's down anymore. It's all uphill from here, I hope!

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

Notes on the numbers above: House value estimates are fairly conservative. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $2 for every British pound, which was the exchange rate when I started keeping track. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.

Assets:
NT's UK pensions:
#1: 12,663 pounds ($25,326)
#2: 14,721 pounds ($29,442)
#3: 3,709 pounds ($7,418)
NT's 401(k): $9,308
AS's 403(b): $3,300
AS's IRA: $1,682
AS's 401(k): $634
CJ's 401(k): $32,315
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,482
---
Total Assets: $537,907

Total Debt: $364,005

Current Estimated Net Worth: $173,902

June 2010 estimate: $163,573

Change in net worth: +$10,329

Summary: All our retirement accounts and the EF showed modest gains (NT's 401k did especially well because his company dumped a $700 bonus in there). We also paid off over $1K of debt. But there was another huge leap this month, nearly as big as last month's, due to my finally confirming there was a third pension account in the UK that NT had forgotten he had.

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

Notes on the numbers above: House value estimates are fairly conservative. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $2 for every British pound, which was the exchange rate when I started keeping track. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.

Assets:
NT's UK pensions: 12,663 pounds ($25,326)
14,721 pounds ($29,442)
NT's 401(k): $8,241
AS's 403(b): $3,300
AS's IRA: $1,682
AS's 401(k): $507
CJ's 401(k): $31,744
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,431
---
Total Assets: $528,673

Total Debt: $365,100

Current Estimated Net Worth: $163,573

May 2010 estimate: $151,034

Change in net worth: +$12,539

Summary: My 401(k) lost $1 in value (which means it lost more like $300 since I also made contributions). What an annoying figure! LOL.

You may notice a kind of huge leap in net worth. Well, for one of NT's UK retirement plans that I hadn't updated in years, I finally looked at a statement and tried to ascertain the current value. It was about US $10,000 higher. We also paid off some debt and made small gains in other areas, i.e., the EF and some of the U.S. retirement accounts.

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

Notes on the numbers above: House value estimates are fairly conservative. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $2 for every British pound, which was the exchange rate when I started keeping track. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.

I just posted an entry linking to an article calculating

presidents' individual net worth. It reminded me that it's about time for a net worth update!

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
14,721 pounds ($29,442)
NT's 401(k): $8,119
AS's 403(b): $3,237
AS's IRA: $1,682
AS's 401(k): $353
CJ's 401(k): $31,745
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,355
---
Total Assets: $517,433

Total Debt: $366,399

Current Estimated Net Worth: $151,034

April 2010 estimate: $152,639

Change in net worth: -$1,605

Summary: We suffered a dip in net worth for the first time in ages. NT's and my 401(k) accounts lost about $4K total, and small gains for AS and the baby/EF, as well as a modest decrease in our debt, weren't enough to offset that. I wasn't aware there was market volatility this month, beyond that one crazy day on Wall Street.

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

Notes on the numbers above: House value estimates are fairly conservative. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $2 for every British pound, which was the exchange rate when I started keeping track. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.

First, some fun news. Little Miss AA has a positive net worth of $238! We haven't even begun trying to save anything for her--we need to clean up our own finances much more first--but her UK grandpa gave her $210, and NT's office had a baby-name pool where the winner decided to hand the $28 prize over to the baby!

I don't think I'll be tracking her net worth as part of ours, since of course she'll be making her own way someday. But I thought it was neat that she already has some money to her name. We hope to teach her to be a saver (and a smart spender) early on so she doesn't make as many youthful mistakes as we did.

Anyway, on to our net worth.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
14,721 pounds ($29,442)
NT's 401(k): $8,247
AS's 403(b): $3,237
AS's IRA: $1,682
AS's 401(k): $328
CJ's 401(k): $34,388
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,304
---
Total Assets: $520,128

Total Debt: $367,489

Current Estimated Net Worth: $152,639

March 2010 estimate: $147,011

Change in net worth: +$5,628

Summary: We paid off a big chunk of debt and had some nice gains in our retirement accounts. Oh, and I did some research on our home's value and am fairly satisfied that $160K is still a valid number. If we had to offload it in a hurry, we'd probably have trouble getting that amount, but if we had time to fix it up and let it be listed for a while, it would eventually sell at that price, I believe. Since we won't need to sell any time soon, I'm going to leave it at that value.

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

Notes on the numbers above: House value estimates are fairly conservative. I don't have a way to check NT's UK pensions or flat value, so their values stay static for the purpose of this update (unless I happen to get some info by chance). UK asset values and debt amounts are calculated figuring $2 for every British pound, which was the exchange rate when I started keeping track. I maintain that ratio for the purpose of tracking progress, even though the exchange rate is now closer to $1.60 per British pound.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
14,721 pounds ($29,442)
NT's 401(k): $7,895
AS's 403(b): $3,237
AS's IRA: $1,681
AS's 401(k): $217
CJ's 401(k): $33,426
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,277
---
Total Assets: $518,675

Total Debt: $371,664

Current Estimated Net Worth: $147,011

February 2010 estimate: $143,201

Change in net worth: +$3,810

Summary: Despite not paying off very much debt, we got a nice bump because our retirement accounts performed well this month. So far we've managed to cashflow all the baby-related expenses, so we haven't dipped into the baby/EF even a little bit! I haven't had a chance to look at sale prices for condos in my building, so I don't know whether I need to lower my estimated value of our place. So I left it as is for this month.

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

Notes on the numbers above: House value estimates are 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: 7,250 pounds ($14,500)
14,721 pounds ($29,442)
NT's 401(k): $7,400
AS's 403(b): $3,237
AS's IRA: $1,681
AS's 401(k): $104
CJ's 401(k): $31,406
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $8,256
---
Total Assets: $516,026

Total Debt: $372,825

Current Estimated Net Worth: $143,201

January 2010 estimate: $135,321

Change in net worth: +$7,880

Summary: My dad cashed all the checks I gave him since my last update, so our net worth skyrocketed! I would be happier if I hadn't gotten a disturbing piece of mail: My property valuation by the county went down from about $151K to about $137K. Yikes! I haven't changed it on the info above because I go by sale prices, so I'll start watching for how comparable units in my condo are selling, and adjust my assets next time if necessary.

In other good news, though, I got a peek at how AS's old 403(b) account is doing--it's been gaining 6% all along, but I wasn't able to see that, so I got to record it as a nice lump gain this time. She also opened her 401(k) at her new job and we added $80 to her IRA. So her individual net worth should show a nice little bump (which may or may not be crushed next month by our condo's falling value, but c'est la vie).

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

Notes on the numbers above: House value estimates are 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: 7,250 pounds ($14,500)
14,721 pounds ($29,442)
NT's 401(k): $7,248
AS's 403(b): $2,888
AS's IRA: $1,601
CJ's 401(k): $32,030
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $7,652
---
Total Assets: $515,361

Total Debt: $380,040

Current Estimated Net Worth: $135,321

December 2009 estimate: $131,418

Change in net worth: +$3,903

Summary: Despite my dad's best (unintentional) efforts to sabotage our progress by not cashing the checks I gave him, we made some nice progress this month. Our retirement accounts showed good gains, and we paid off a bit of debt.

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

Notes on the numbers above: House value estimates are 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: 7,250 pounds ($14,500)
14,721 pounds ($29,442)
NT's 401(k): $6,900
AS's 403(b): $2,888
AS's IRA: $1,481
CJ's 401(k): $30,658
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $6,771
---
Total Assets: $512,640

Total Debt: $381,222

Current Estimated Net Worth: $131,418

November 2009 estimate: $127,671

Change in net worth: +$3,747

Summary: I decided to do my net worth calculation at the usual time of month, and to count this as my year-end net worth, even though a couple small payments will go through by the end of the year. It seems more consistent this way.

Our retirement accounts barely increased at all, but of course we paid off my Capital One personal loan, so our net worth still saw a healthy increase.

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

Notes on the numbers above: House value estimates are 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: 7,250 pounds ($14,500)
14,721 pounds ($29,442)
NT's 401(k): $6,620
AS's 403(b): $2,888
AS's CD: $516
AS retirement savings: $845
CJ's 401(k): $30,273
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $6,731
---
Total Assets: $511,815

Total Debt: $384,144

Current Estimated Net Worth: $127,671

October 2009 estimate: $116,484

Change in net worth: +$11,187

Summary: OK, we made a HUGE leap in net worth, but let me explain. I don't get regular info on NT's UK pensions, but I happened to look at a piece of mail we got, rather than just filing it away uncomprehendingly, and realized that one of his pensions had jumped quite a bit in the 3+ years since he gave me the initial balance. So that gradual increase is recorded as a big leap here.

I also paid off a healthy chunk of debt, and all our other retirement accounts increased modestly, so that all contributed to the change.

After Creditcardfree's post about getting close to six figures on their retirement funds, I got curious about ours. Turns out we're at $85,084, so quite a ways to go before we hit six figures. But it's better than nothing!

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

Notes on the numbers above: House value estimates are 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: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $6,444
AS's 403(b): $2,888
AS's CD: $500
AS retirement savings: $725
CJ's 401(k): $30,022
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $6,656
---
Total Assets: $503,185

Total Debt: $386,701

Current Estimated Net Worth: $116,484

September 2009 estimate: $112,045

Change in net worth: +$4,439

Summary: Once again, retirement funds were up, and debt went down by quite a bit. Our baby/EF also went up despite me using some of the funds to buy maternity clothes.

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

Notes on the numbers above: House value estimates are 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. 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.

I just updated the Individual Net Worth page and realized that my net worth is finally positive for the first time in my adult life! Yep folks, I'm worth $598 more than I owe. Woo hoo!

AS is the only one who still has negative individual net worth. The main reasons we're not making faster progress on hers are that all her debt is "better" debt than mine (meaning we at least get tax relief on the interest), and she doesn't have much of a retirement fund yet so it doesn't reflect the big ups and downs of the market. But we're chipping away at her debt and gradually building up some retirement savings, So her net worth has improved by $4K-$5K this year. But it'll be awhile before her net worth starts to grow by leaps and bounds. (She's also the youngest, which is another reason her retirement funds aren't as big.)

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $6,191
AS's 403(b): $2,888
AS's CD: $500
AS retirement savings: $605
CJ's 401(k): $29,296
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $6,177
---
Total Assets: $501,607

Total Debt: $389,562

Current Estimated Net Worth: $112,045

August 2009 estimate: $105,301

Change in net worth: +$6,744

Summary: Retirement funds were up up up, and debt went down down down. I'd have to check past entries but I think this is one of our best monthly gains ever!

Our total assets finally rose back above the half-million mark again, where they haven't been in a long time!

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

Notes on the numbers above: House value estimates are 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. 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 $1.50 per British pound.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $5,692
AS's 403(b): $2,888
AS's CD: $500
AS retirement savings: $485
CJ's 401(k): $26,401
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $5,236
---
Total Assets: $497,152

Total Debt: $391,851

Current Estimated Net Worth: $105,301

June 2009 estimate: $99,744

Change in net worth: +$5,557

Summary: Wow! We shot past the $100,000 mark much further than I predicted. NT and I combined gained over $3000 in 401(k) worths. I also set aside a bit for AS and into our EF. We paid off a modest amount of debt as well.

Looks like our total assets are nearing the $500,000 mark again, where they haven't been in a loong time! Should get there by the end of the year...

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

Notes on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested. 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. 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 $1.50 per British pound.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $4,655
AS's 403(b): $2,888
AS's CD: $500
AS retirement savings: $365
CJ's 401(k): $24,740
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $4,350
---
Total Assets: $493,448

Total Debt: $393,704

Current Estimated Net Worth: $99,744

June 2009 estimate: $94,823

Change in net worth: +$4,921

Summary: We're within spitting distance of the $100K net worth mark, thanks to some debt payoff and upticks in our EF and all our retirement accounts. The economy is so much in flux that I'm not sure we'll get there next month, but as long as the markets don't plunge we should make it.

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

Notes on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested. 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. 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 $1.50 per British pound.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $4,241
AS's 403(b): $2,888
AS's CD: $500
AS retirement savings: $240
CJ's 401(k): $23,091
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $3,665
---
Total Assets: $490,575

Total Debt: $395,752

Current Estimated Net Worth: $94,823

May 2009 estimate: $92,118

Change in net worth: +$2,705

Summary: Numbers changed favorably, though incrementally, for a small improvement in net worth. Inching toward that $100K mark!

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

Notes on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested. 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. 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 $1.50 per British pound.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $4,170
AS's 403(b): $2,888
AS's CD: $500
AS retirement savings: $120
CJ's 401(k): $23,001
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $3,044
---
Total Assets: $489,673

Total Debt: $397,555

Current Estimated Net Worth: $92,118

March 2009 estimate: $88,435

Change in net worth: +$3,683

Summary: While not quite as big a gain as the past two months, this is a healthy increase; a combination of increased savings, debt reduction and market recovery.

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

Notes on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested. 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. 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 $1.50 per British pound.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $3,862
AS's 403(b): $2,888
AS's CD: $500
CJ's 401(k): $21,481
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $2,954
---
Total Assets: $487,635

Total Debt: $399,200

Current Estimated Net Worth: $88,435

March 2009 estimate: $84,523

Change in net worth: +$3,912

Summary: Interesting coincidence: Last month our net worth increased by $3,911, this month by $3,912!

My and NT's retirement accounts both showed some small gains, and we added to our EF. Plus we paid off an OK amount of debt. Our net worth is slowly clawing its way back up, after huge losses in retirement-fund values and home value.

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

Notes on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested. 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. 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 $1.50 per British pound.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $3,473
AS's 403(b): $2,888
AS's CD: $500
CJ's 401(k): $19,956
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $2609
---
Total Assets: $485,376

Total Debt: $400,853

Current Estimated Net Worth: $84,523

February 2009 estimate: $80,612

Change in net worth: +$3,911

Summary: With all the excitement recently (especially NT being free of CC debt!!), I nearly forgot to do our net worth for March. My 401(k) actually increased in value, as did NT's, and we paid off a good amount of debt, so we gained some ground in our net worth.

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

Notes on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested. 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. 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 $1.50 per British pound.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $3,178
AS's 403(b): $3,074
AS's CD: $500
CJ's 401(k): $18,803
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $160,000
Baby/emergency fund (shared asset): $2333
---
Total Assets: $483,838

Total Debt: $403,226

Current Estimated Net Worth: $80,612

January 2009 estimate: $83,649

Change in net worth: -$3,037

Summary: We paid off a ton of debt and added our emergency fund as an asset. Still, it wasn't enough to stop the bleeding: My 401(k) lost about a grand, and I confirmed from two sources that our condo is worth $10K less than the last time I valued it.

For all I know, the UK condo has plunged in value as well. And NT's UK retirement assets. We could be just breaking even or, even worse, have a negative collective net worth. If I find anything out about those numbers, I will update them accordingly.

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

Notes on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested. 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. 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 $1.50 per British pound.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $3,081
AS's 403(b): $3,058
AS's CD: $500
CJ's 401(k): $19,639
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $170,000
---
Total Assets: $492,228

Total Debt: $408,579

Current Estimated Net Worth: $83,649

December 2008 estimate: $81,526

Change in net worth: +$2,123

Summary: NT's and AS's retirement increased, but not enough to cover a loss of about $550 in my 401(k). So the jump in net worth is entirely due to paying down debt.

I haven't included my savings for the baby/emergency fund; I feel like that money is still in play and not secure enough to call an asset. Does anyone else count their emergency fund as assets?

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

Notes on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested. I don't have a way to check NT's UK pensions, so their values stay static for the purpose of this update. 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 $1.50 per British pound.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $2,898
AS's 403(b): $3,010
AS's CD: $500
CJ's 401(k): $20,212
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $170,000
---
Total Assets: $492,570

Total Debt: $411,044

Current Estimated Net Worth: $81,526

November 2008 estimate: $78,119

Change in net worth: +$3,407

Summary: We paid off at least $1,500 in debt; AS and I showed small gains in our retirement accounts; AS has a new CD in her name; and NT's bonus included 401(k) contribution (with matching!), so his account's value went up nearly $1,000.

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

Notes on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested. I don't have a way to check NT's UK pensions, so their values stay static for the purpose of this update. 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 $1.50 per British pound.

Assets:
NT's UK pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $2,296
AS's 403(b): $2,795
CJ's 401(k): $19,614
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $170,000
---
Total Assets: $490,655

Total Debt: $412,536

Current Estimated Net Worth: $78,119

October 2008 estimate: $75,944

Change in net worth: +$2,175

Summary: We paid off more than $3,000 in debt, but my 401(k) tanked more than $1,000. However, AS and NT both showed small gains in their retirement accounts, so we had a good month overall. (I bet our U.S. condo value dipped even more, but I'll wait till I have proof of that.)

I will update my "Individual Net Worth" page shortly so you can see how it breaks out. (Hint: NT's nice net worth is still weighed down by AS's and my negative net worth.)

Note on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested. I don't have a way to check NT's UK pensions, so their values stay static for the purpose of this update.

Assets:
NT's pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $2,215
AS's 403(b): $2,649
CJ's 401(k): $20,813
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $170,000
---
Total Assets: $491,627

Total Debt: $415,683

Current Estimated Net Worth: $75,944

September 2008 estimate: $88,353

Change in net worth: -$12,409

Summary: We paid off more than $3,000 in debt, but my 401(k) tanked more than that. And I finally decided to bite the bullet and list the U.S. condo at its probable market value, so we lost another $12K there. NT lost about $50 in his U.S. 401(k), but AS's retirement fund miraculously gained a tiny bit in value. It's a well-managed fund--the only thing we'll miss about her job!

Anyway, it's our first loss in net worth since I started tracking, and it looks bad. But I have faith in our condo and my 401(k) to eventually rebound.

Note on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested. I don't have a way to check NT's UK pensions, so their values stay static for the purpose of this update.

Assets:
NT's pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $2,290
AS's 403(b): $2,504
CJ's 401(k): $24,685
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $182,000
---
Total Assets: $507,429

Total Debt: $419,076

Current Estimated Net Worth: $88,353

August 2008 estimate: $86,769
Change in net worth: +$1,584

Summary: NT's and AS's U.S. retirement funds actually increased in value a bit this month, but I lost about $800 in value. We paid off an OK amount of debt, so our net worth did go up a bit.

Note on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested.

Assets:
NT's pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $2,124
AS's 403(b): $2,360
CJ's 401(k): $25,452
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $182,000
---
Total Assets: $507,886

Total Debt: $421,117

Current Estimated Net Worth: $86,769

July 2008 estimate: $82,578
Change in net worth: +$4,191

Summary: All our U.S. retirement funds went up in value a bit this month, and we paid off a healthy amount of debt, resulting in our biggest jump in net worth for a while. If I were able to keep up this pace, we'd crack $100K by the end of the year! Unlikely, but not impossible.

Note on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested.

Assets:
NT's pensions: 7,250 pounds ($14,500)
10,725 pounds ($21,450)
NT's 401(k): $1,898
AS's 403(b): $2,214
CJ's 401(k): $25,220
NT's flat: 130,000 pounds ($260,000)
CJ & AS's condo: $182,000
---
Total Assets: $507,282

Total Debt: $424,704

Current Estimated Net Worth: $82,578

June 2008 estimate: $81,447
Change in net worth: +$1,131

Summary: My 401(k) again lost value, so our assets went down a bit despite gains in AS's 403(b) and NT's 401(k). Our debt repayment was very modest this month, but it gave us a bump in net worth anyway.

Info from a couple sources leads me to believe that I'd struggle to sell our U.S. condo at the amount listed above; it would probably go for more like $175,000. But I noticed that a 2BR UK condo in the same development as NT's 1BR just sold for 185,000 pounds ($370,000). So I'm sure my valuation of his house is very conservative. Therefore I'm just going to leave both house values as is for the purposes of this tracking.

Note on the numbers above: House value estimates are conservative, and retirement totals don't include amounts currently unvested.