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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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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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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This was a great month for our networth.
It was even a pretty good month spending wise.  Previously we had spent $452 and $345 on groceries in January and February.  But in March we only spent $75, so I guess there were too many deals to pass up and we stashed them until now.

Our most outrageous [...]

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So I was asked a couples of weeks ago, how the hell did we afford our current home?  And last week I decided to talk about some of our financial mistakes/successes of our 20s.  But I haven’t really discussed what happened with our housing situation.
How did we ever get a $115k down payment and how [...]

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What a month!  We went on two road trips so our spending was a bit much this month.  We also fronted $2k to my DH’s company for a business trip in March.

February-09
March-09
Dollar Diff
% Diff

Assets

BofA
$5,973.86
$6,100.04
$126.18
2.11%

HSBC
$7,160.58
$7,163.57
$2.99
0.04%

Smith Barney
$768.54
$4,667.80
$3,899.26
507.36%

Firstrade
$4,965.17
$3,394.66
-$1,570.51
-31.63%

401k
$22,011.70
$21,662.81
-$348.89
-1.59%

Rollover IRA
$25,731.49
$23,827.56
-$1,903.93
-7.40%

DH Roth IRA
$13,572.36
$13,422.81
-$149.55
-1.10%

DW Roth IRA
$12,422.97
$11,227.75
-$1,195.22
-9.62%

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

Total
$667,606.67
$666,467.00
-$1,139.67
-0.17%

Liabilities

Mortgage
-$432,722.14
-$431,991.70
$730.44
-0.17%

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

Total
-$458,222.14
-$457,491.70
$730.44
-0.16%

Net Worth
$209,384.53
$208,975.30
-$409.23
-0.20%

Though we keep contributing to our 401k, it goes down. And though we [...]

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