By: Revanche

January Snapshot

February 1, 2009

>Retirement Savings

Rollover IRA: $1,019
Roth IRA: $4,143
401(a): $4,856
403(b): $12,009
Total: $ 22,027 (21,950)

Emergency Savings

Catastrophe: $ 22,291 (25,000)
Problem Cushion: $ 1,000 (1,000)

Short Term Goals

Car Maintenance: $494
Car Insurance: $1,357
Travel/Con: $400
Taxes: $3,515
Moving: $1,463
Total: $ 7,229 (7,273)

Long Term Goals

House Down Payment: $101

Investment Loans

Prosper-ish: $12,630
Personal Loan: $5,000
Savings Bond: $357 (current accrued value)
Total: $ 17,998 (17,998)

Total Assets

Illiquid: $22,027
Semi-Liquid: $17,998
Liquid: $23,291
Expense Acct: $3,527**
Goals Savings: $7,229
Total: $ 74,072 (74,315)

Debt and Liabilities

Truck: $0!!!
AX: $158
Citi 2: $735
Chase: $272
Rent: $1,360
Total: $ 2,525 (5,336)

Net Worth

$ 71,547 (69,325)

**Holy cow, the truck’s OFF the ledger! The sale hasn’t been completed yet, but replacing that money in the expense fund will be a huge relief. I feel exposed with such a small expense cushion, that’s only about 1.5 months’ worth of expenses now.

About half the increase was due to some overtime money (~500), the holiday gift (300), and diligently saving my transportation reimbursements (250). Everything “extra” from the paycheck and from reimbursements went into the emergency fund.

The other half looks like some gains in the portfolio, surprisingly enough.

All in all, an increase, so really not bad.

4 Responses to “January Snapshot”

  1. Thank GOD that truck is gone. 🙂

    I love that you put it as liquid, illiquid… 🙂

    Squid..

    Fabulously Broke in the City

    Just a girl trying to find a balance between being a Shopaholic and a Saver.

  2. I too have a major and minor emergency fund!

    You are doing very well!!

  3. Miss M says:

    Congrats! Investment gains, where are you investing? I need to copy you, the market was dragging me down this month. Isn’t it great to pay off car loans, they are such a drag.

  4. Revanche says:

    FB: Squid? LOL.

    notesfromthefrugaltrenches: Thank you!

    Miss M: Hah, it turns out I just can’t do math. I added December’s investments total incorrectly, so the number carried over was artificially low. Don’t get too excited, it turns out I only “made” about $77 and that’s after contributions. *shudder* I’m up only by virtue of not losing more than I put in this last month.

    Yep, love paying off that loan, now considering paying off the family car too, but still on the fence about it.

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