By: Revanche

September Snapshot

October 1, 2009

Retirement Savings

Roth IRA: $4,137
401(a):$30,814
Total: $34,951 (33,611)

Emergency Savings

Catastrophe: $ 35,887
Problem Cushion: $ 1,000
Total: $36,887 (36,963)**

Short Term Goals

Car Maintenance: $2,244
Insurance: $2,467
Travel/Con: $568
Taxes: $3,590
Moving: $3,994
Total: $12,863 (12,144)

Long Term Goals

House Down Payment: $102

Investments

TradeKing: $1,094**
Prosper-ish Loan: $12,630
Personal Loan: $1,500
Savings Bond: $362 (current accrued value)
Total: $15,586 (15,542)

Total Assets

Illiquid: $34,951
Semi-Liquid: $15,586
Liquid: $36,887
Expense Acct: $7,506
Goals Savings: $12,963
Total: $ 107,893 (105,862)

Debt and Liabilities AmEx: $144
Chase: $2,510
Rent: $1,360
Total: $4014 (1,770)

Net Worth

$103,879 (104,092)

A few thoughts …..

Yodlee is all over the place. A few weeks ago, I got an invitation to try their Beta and it kept locking me out of my account. When I gave up on the Beta, the original version kicked me out too! Now it’s showing me bills due two weeks ago that it didn’t think were important until now. Thanks!

Bills-owing are at an all-time high thanks to the school bills (>$1000), and the unexpected traffic fee. That’s eaten into the gains made in the retirement accounts. I’d better hit the books even harder, that quiz I took last night made me sweat!

**Dividend!! My stocks paid out a fat $4 dividend. Marked this one ‘specially because I’m excited. Whoo!

Wonky math. Somewhere in the emergency funds, we’ve got math gone wrong and I can’t figure it out. I never take money out of that account, or at least haven’t yet, but it’s down by a handful of dollars. No time to work on it today, unfortunately.

Changes. This snapshot is useful tracking, but everyone doesn’t need all these details. It’s time to consolidate more accounts and simplify both the system and reporting while preserving the subaccounts I love so much. Currently, my money is spread across ING/ED/Citi/Wamu.

I get free checks from Wamu, Electric Orange can’t serve all my checkwriting needs. Citi is the easier B&M from which to bank with linked checking and “high” interest savings accounts, while the ING/ED accounts have marginally better interest rates. It’s nice to have the flexibility of looking for either Chase OR Citibank branches when I’m travelling rather than hoping for one or the other.

I’m looking for a single bank with B&M and online access, free checkwriting (paper and electronic), ability to manage sub-savings accounts with good interest rates, and no fees. Too much?

5 Responses to “September Snapshot”

  1. My yodlee is crazy too, and I ignored the beta invite. Hmph.

  2. I, for one, like this level of detail in you snapshot. Don’t change it too much!

  3. Revanche says:

    stackingpennies: Equal opportunity annoying?

    moneymatekate: Really? I thought it might be muchish.

  4. zabuvyas says:

    Whats the meaning of B&M. Can u explain me please.

  5. Revanche says:

    zabuvyas B&M means Brick and Mortar, meaning a physical location as opposed to an online only business.

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