Super busy end of the month.  I honestly have no idea what I’ve been spending, but I’m sure I spent more in the last 5 days than the rest of the month.  Most of it unexpectedly, but still some planned, just not this early.  Perhaps it’s better not to know the damage.

January-10
February-10
Dollar Diff
% Diff

Assets

BofA
$9,416.07
$1,962.53
-$7,453.54
-79.16%

HSBC
$50.93
$8,550.98
$8,500.05
16689.67%

Smith Barney
$4,601.16
$4,601.16
$0.00
0.00%

Firstrade
$4,798.25
$4,077.00
-$721.25
-15.03%

401k
$59,762.79
$58,972.92
-$789.87
-1.32%

Rollover [...]

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November-09
December-09
Dollar Diff
% Diff

Assets

BofA
$7,196.31
$6,311.41
-$884.90
-12.30%

HSBC
$49.12
$50.88
$1.76
3.58%

Smith Barney
$10,649.65
$10,276.70
-$372.95
-3.50%

Firstrade
$4,807.58
$4,799.71
-$7.87
-0.16%

401k
$52,506.11
$56,047.23
$3,541.12
6.74%

Rollover IRA
$35,805.10
$37,415.91
$1,610.81
4.50%

DH Roth IRA
$15,504.75
$16,039.84
$535.09
3.45%

DW Roth IRA
$14,302.65
$15,297.26
$994.61
6.95%

Home
$575,000.00
$575,000.00
$0.00
0.00%

Total
$715,821.27
$721,238.94
$5,417.67
0.76%

Liabilities

Mortgage
-$426,054.25
-$425,300.19
$754.06
-0.18%

Student Loans
-$25,500.00
-$25,500.00
$0.00
0.00%

Total
-$451,554.25
-$450,800.19
$754.06
-0.17%

Net Worth
$264,267.02
$270,438.75
$6,171.73
2.34%

Not a bad month at all.  But we have a lot of bills adding up with our dog. Sigh.

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October-09
November-09
Dollar Diff
% Diff

Assets

BofA
$3,892.54
$7,196.31
$3,303.77
84.87%

HSBC
$7,640.06
$49.12
-$7,590.94
-99.36%

Smith Barney
$10,649.65
$10,649.65
$0.00
0.00%

Firstrade
$5,250.47
$4,807.58
-$442.89
-8.44%

401k
$51,121.47
$52,506.11
$1,384.64
2.71%

Rollover IRA
$34,867.79
$35,805.10
$937.31
2.69%

DH Roth IRA
$16,774.82
$15,504.75
-$1,270.07
-7.57%

DW Roth IRA
$14,381.47
$14,302.65
-$78.82
-0.55%

Home
$575,000.00
$575,000.00
$0.00
0.00%

Total
$719,578.27
$715,821.27
-$3,757.00
-0.52%

Liabilities

Mortgage
-$426,805.25
-$426,054.25
$751.00
-0.18%

Student Loans
-$25,500.00
-$25,500.00
$0.00
0.00%

Total
-$452,305.25
-$451,554.25
$751.00
-0.17%

Net Worth
$267,273.02
$264,267.02
-$3,006.00
-1.12%

I can only say we are spending a lot on home repairs.  Expect next month to be even worse, because of upcoming vet bills.  Really bad vet bills, talking thousands.

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July-09
October-09
Dollar Diff
% Diff

Assets

BofA
$1,915.54
$3,892.54
$1,977.00
103.21%

HSBC
$11,161.00
$7,640.06
-$3,520.94
-31.55%

Smith Barney
$10,680.66
$10,649.65
-$31.01
-0.29%

Firstrade
$4,779.94
$5,250.47
$470.53
9.84%

401k
$45,275.05
$51,121.47
$5,846.42
12.91%

Rollover IRA
$32,914.95
$34,867.79
$1,952.84
5.93%

DH Roth IRA
$14,961.96
$16,774.82
$1,812.86
12.12%

DW Roth IRA
$13,637.37
$14,381.47
$744.10
5.46%

Home
$575,000.00
$575,000.00
$0.00
0.00%

Total
$710,326.47
$719,578.27
$9,251.80
1.30%

Liabilities

Mortgage
-$428,300.49
-$426,805.25
$1,495.24
-0.35%

Student Loans
-$25,500.00
-$25,500.00
$0.00
0.00%

Total
-$453,800.49
-$452,305.25
$1,495.24
-0.33%

Net Worth
$256,525.98
$267,273.02
$10,747.04
4.19%

We had a very good couple of months.  It appears we spent a lot and we did.  We went to Hawaii for 2 weeks.  We had a lot of home repairs around $3k done to the interior of our home.  We still have more to [...]

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May-09
July-09
Dollar Diff
% Diff

Assets

BofA
$4,652.81
$1,915.54
-$2,737.27
-58.83%

HSBC
$12,570.00
$11,161.00
-$1,409.00
-11.21%

Smith Barney
$7,785.24
$10,680.66
$2,895.42
37.19%

Firstrade
$4,557.66
$4,779.94
$222.28
4.88%

401k
$37,862.98
$45,275.05
$7,412.07
19.58%

Rollover IRA
$31,771.88
$32,914.95
$1,143.07
3.60%

DH Roth IRA
$14,658.65
$14,961.96
$303.31
2.07%

DW Roth IRA
$12,231.03
$13,637.37
$1,406.34
11.50%

Home
$575,000.00
$575,000.00
$0.00
0.00%

Total
$701,090.25
$710,326.47
$9,236.22
1.32%

Liabilities

Mortgage
-$429,784.81
-$428,300.49
$1,484.32
-0.35%

Student Loans
-$25,500.00
-$25,500.00
$0.00
0.00%

Total
-$455,284.81
-$453,800.49
$1,484.32
-0.33%

Net Worth
$245,805.44
$256,525.98
$10,720.54
4.36%

Not a terrible month net worth wise.  Next month we’ll be paying our last tuition payment to my DH’s MBA!  Woohoo!  Around $8k I think.  That will be AWESOME.  Student loans need to start being repaid next summer 2010 accordingly.
I think we’ll start rolling in [...]

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June was not a bad month.  It’s looking like maybe we won’t have such terrible losses this year in our investments.  That’s not to say we’re going to be making money but it just might be a breakeven year.  Our retirement accounts are at $98k combined.  Sigh the goal was last year to break $100k [...]

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So I didn’t do a net worth update last month because I was lazy.  I have been a bit off on financial issues this month.  But surprise, it turned into a great two months.

March-09
May-09
Dollar Diff
% Diff

Assets

BofA
$6,100.04
$4,652.81
-$1,447.23
-23.72%

HSBC
$7,163.57
$12,570.00
$5,406.43
75.47%

Smith Barney
$4,667.80
$7,785.24
$3,117.44
66.79%

Firstrade
$3,394.66
$4,557.66
$1,163.00
34.26%

401k
$21,662.81
$37,862.98
$16,200.17
74.78%

Rollover IRA
$23,827.56
$31,771.88
$7,944.32
33.34%

DH Roth IRA
$13,422.81
$14,658.65
$1,235.84
9.21%

DW Roth IRA
$11,227.75
$12,231.03
$1,003.28
8.94%

Home
$575,000.00
$575,000.00
$0.00
0.00%

Total
$666,467.00
$701,090.25
$34,623.25
5.20%

Liabilities

Mortgage
-$431,991.70
-$429,784.81
$2,206.89
-0.51%

Student Loans
-$25,500.00
-$25,500.00
$0.00
0.00%

Total
-$457,491.70
-$455,284.81
$2,206.89
-0.48%

Net Worth
$208,975.30
$245,805.44
$36,830.14
17.62%

So what happened? I can only guess it was mostly from [...]

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What makes you feel rich?  Are there luxuries in your life that you won’t give up?  Are there things in your lifestyle which make you feel like you’re rich or “made it”?
I have to admit there are a lot of luxuries in my life which make me feel extravagent.  That’s not to say I wouldn’t [...]

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Fabulously Broke had a great post called “in defense of the rich,” in response to Madame X post called “Rich are still Rich.”  Madame X’s post talks about few different articles which show that the wealthy have become less so in the US.  That millionaires have lost around 30% of their wealth.  She ended with [...]

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I typically calculate my networth every month.   I do mostly stocks, cash, and my home.  But I was thinking about it. Should a home even be counted?  After all you still need a place to live if you don’t own it.
What should be included in a net worth and why?  Definitely all cash, stocks, bonds, [...]

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