By: Revanche

November Snapshot

December 1, 2009

Retirement Savings Total: $35,309 (34,001)
Emergency Savings Total: $36,535 (36,468)
Short Term Goals Car Maintenance: $2,225
Insurance: $2,003
Travel/Con: $550
Taxes: $3,594
Moving: $2,798
Total: $11,170 (11,696)
Long Term Goals House Down Payment: $102
Investments TradeKing: $1,095
Prosper-ish Loan: $12,630
Personal Loan: $1,500
Savings Bond: $362 (current accrued value)
Total: $15,587 (15,587)
Total Assets Illiquid: $35,309
Semi-Liquid: $15,587
Liquid: $36,535
Expense Acct: $7,656
Goals Savings: $11,170
Total: $106,257 (105,181)
Debt and Liabilities AmEx: $799
Chase: $670
Rent: $1,360
Total: $2,829 (3,593)
Net Worth $103,428 (101,315)

A few thoughts …..

Excel and I will have to become buddies to locate exactly when the e-fund tracking went off the rails, but in the meantime, I’ve reset the past numbers in parentheses for both the e-fund and grand total back to the correct September numbers for now. 

The total NW is up again due to the uptick in the stock market and sort of controlling my expenses.    

A note about the Tradeking account: as I’m a buy and hold investor, that total will only reflect the cash deposited, and not any gains or losses for now.  I’m tracking that differently than my retirement accounts because I don’t have those assets in hand until I sell.  Does that make sense?

Probable Upcoming Expenses: 

1.  Christmas gifts — $150-200 total?
2.  Another pair of online courses — $1100

While I’m happy to see the NW slightly rebound, I’m not thrilled that it’s on the back of so capricious a creature as the stock market.  Cash is my preferred net worth driver, unless it’s being invested purposefully. I look forward to the time when I’m generating substantive income again.

5 Responses to “November Snapshot”

  1. SavingDiva says:

    An increase is an increase 😀

  2. Sense says:

    Holdin steady…looks like you’re doing a great job to me!

  3. Run! Go straight to Craig’s List.

  4. SS4BC says:

    You did well. Like SavingDiva said, an increase is an increase. =)

  5. Revanche says:

    @SavingDiva, Sense, SS4BC: Thanks! My only real control here is on spending, so I’m doing my best there.

    @FaM: Car, right? Yet another one of my thoughts.

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