The Finance Journey

Net Worth Statement – April 4 2011 (+2.18%)

Chuck — Mon, 04 Apr 2011 13:07:50 +0000

Summary

Another decent month for us. I was able to finish our taxes which ended up yielding some additional cash. Our SUV value went down quite significantly on Edmunds which hurt a bit – I had a feeling it was a bit overvalues on there though.

Monthly Goals

I’m hoping to do some financial housekeeping this month. We have a bunch of accounts that are inactive that I am hoping to close out or figure out what to do with.

Other than that I am hoping we can have another up month.

		Mar-11	Apr-11
ASSETS
	DollarSavingsDirect Savings (1.70% APY)	$16,380.52	$16,794.59
	Schwab Investor Checking (0.75% APY)	$8,075.05	$5,859.79
	CASH TOTAL	$24,455.57	$22,654.38
	Treasury Direct	$2,972.58	$2,972.58
	Employee Stock Holdings	$1,777.64	$1,777.64
	STOCKS & BONDS TOTAL	$4,750.22	$4,750.22
	Ameriprise ROTH IRA (Chuck)	$20,696.17	$21,281.35
	Ameriprise ROTH IRA (Wife)	$1,138.72	$1,157.14
	T. Rowe Price 401K (Chuck)	$77,557.50	$79,797.19
	Vanguard 401K (Wife)	$37,707.11	$39,120.54
	RETIREMENT TOTAL	$137,099.50	$141,356.22
	House Value (Zestimate)	$329,000.00	$329,000.00
	Car Value (Edmunds.com)	$4,467.00	$4,467.00
	SUV Value (Edmunds.com)	$18,470.00	$17,186.00
	MISC TOTAL	$351,937.00	$350,653.00
TOTAL ASSETS		$518,242.29	$519,413.82

DEBTS
	Citi Mortgage (4.875%)	$256,422.46	$255,975.01
	MORTGAGE TOTAL	$256,422.46	$255,975.01
	AES Student Loan (3.625%)	$1,353.46	$1,304.73
	ACS Student Loan (3.75%)	$1,696.13	$1,696.13
	Great Lakes Student Loan (3.25%)	$41,973.25	$41,973.25
	Honda Financial Services (2.9%)	$7,290.29	$7,027.03
	LOAN TOTAL	$52,313.13	$52,001.14
	BOA NEA (0%)	$12,130.84	$12,017.80
	BOA NEA 2 (0%)	$13,745.37	$13,602.43
	Citi Upromise (0%)	$6,660.45	$4,992.22
	CREDIT CARD TOTAL	$32,536.66	$30,612.45
TOTAL DEBTS		$341,272.25	$338,588.60

NET WORTH		$176,970.04	$180,825.22

Net Worth Statement – March 3 2011 (+4.09%)

Chuck — Thu, 03 Mar 2011 12:59:42 +0000

Summary

Pretty solid month for us. We were able to build up some cash which I plan on transferring over to the savings account. Also was a good month in the stock market which helped the value of our retirement accounts significantly.

Monthly Goals

Hope to hold steady this month. We do not have any large purchases coming up that I am aware of so we should be able to build up some savings.

		Feb-11	Mar-11	MONTHLY	MONTHLY
ASSETS				$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$15,968.15	$16,380.52
	Schwab Investor Checking (0.75% APY)	$8,024.81	$8,075.05
	CASH TOTAL	$23,992.96	$24,455.57	$462.61	1.93%
	Treasury Direct	$2,968.04	$2,972.58
	Employee Stock Holdings	$1,777.64	$1,777.64
	STOCKS & BONDS TOTAL	$4,745.68	$4,750.22	$4.54	0.10%
	Ameriprise ROTH IRA (Chuck)	$20,422.08	$20,696.17
	Ameriprise ROTH IRA (Wife)	$1,122.79	$1,138.72
	T. Rowe Price 401K (Chuck)	$74,110.50	$77,557.50
	Vanguard 401K (Wife)	$36,247.84	$37,707.11
	RETIREMENT TOTAL	$131,903.21	$137,099.50	$5,196.29	3.94%
	House Value (Zestimate)	$329,000.00	$329,000.00
	Car Value (Edmunds.com)	$4,467.00	$4,467.00
	SUV Value (Edmunds.com)	$18,470.00	$18,470.00
	MISC TOTAL	$351,937.00	$351,937.00	$0.00	0.00%
TOTAL ASSETS		$512,578.85	$518,242.29	$5,663.44	1.10%

DEBTS				$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$256,868.10	$256,422.46
	MORTGAGE TOTAL	$256,868.10	$256,422.46	-$445.64	-0.17%
	AES Student Loan (3.625%)	$1,401.60	$1,353.46
	ACS Student Loan (3.75%)	$1,801.30	$1,696.13
	Great Lakes Student Loan (3.25%)	$42,053.45	$41,973.25
	Honda Financial Services (2.9%)	$7,559.87	$7,290.29
	LOAN TOTAL	$52,816.22	$52,313.13	-$503.09	-0.95%
	BOA NEA (0%)	$12,261.19	$12,130.84
	BOA NEA 2 (0%)	$13,880.06	$13,745.37
	Citi Upromise (0%)	$6,735.61	$6,660.45
	CREDIT CARD TOTAL	$32,876.86	$32,536.66	-$340.20	-1.03%
TOTAL DEBTS		$342,561.18	$341,272.25	-$1,288.93	-0.38%

NET WORTH		$170,017.67	$176,970.04	$6,952.37	4.09%

Net Worth Statement – February 1 2011 (-1.07%)

Chuck — Tue, 01 Feb 2011 14:55:13 +0000

Summary

I was a bit late on the update from last night, so most of our big accounts already had the payment applied then. We took a hit from our home price being devalued as well this month. Everything else was pretty much stagnant.

Monthly Goals

Hoping to get my savings back up this month. We are out of the Christmas season so hopefully we can get back onto the saving track.

		Dec-10	Jan-10	Feb-10	MONTHLY	MONTHLY
ASSETS					$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$17,138.95	$15,554.01	$15,968.15
	Schwab Investor Checking (0.75% APY)	$4,925.31	$7,835.98	$8,024.81
	CASH TOTAL	$22,064.26	$23,389.99	$23,992.96	$602.97	2.58%
	Treasury Direct	$2,965.94	$2,966.94	$2,968.04
	Employee Stock Holdings	$1,777.64	$1,777.64	$1,777.64
	STOCKS & BONDS TOTAL	$4,743.58	$4,744.58	$4,745.68	$1.10	0.02%
	Ameriprise ROTH IRA (Chuck)	$20,074.44	$20,583.11	$20,422.08
	Ameriprise ROTH IRA (Wife)	$1,099.65	$1,117.10	$1,122.79
	T. Rowe Price 401K (Chuck)	$71,989.00	$73,203.11	$74,110.50
	Vanguard 401K (Wife)	$33,823.28	$35,234.36	$36,247.84
	RETIREMENT TOTAL	$126,986.37	$130,137.68	$131,903.21	$1,765.53	1.36%
	House Value (Zestimate)	$333,500.00	$333,500.00	$329,000.00
	Car Value (Edmunds.com)	$4,418.00	$4,467.00	$4,467.00
	SUV Value (Edmunds.com)	$19,396.00	$18,989.00	$18,470.00
	MISC TOTAL	$357,314.00	$356,956.00	$351,937.00	-$5,019.00	-1.41%
TOTAL ASSETS		$511,108.21	$515,228.25	$512,578.85	-$2,649.40	-0.51%

DEBTS					$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$257,311.94	$256,868.10	$256,868.10
	MORTGAGE TOTAL	$257,311.94	$256,868.10	$256,868.10	$0.00	0.00%
	AES Student Loan (3.625%)	$1,496.50	$1,449.05	$1,401.60
	ACS Student Loan (3.75%)	$1,801.30	$1,801.30	$1,801.30
	Great Lakes Student Loan (3.25%)	$42,207.84	$42,207.84	$42,053.45
	Honda Financial Services (2.9%)	$8,100.42	$7,832.24	$7,559.87
	LOAN TOTAL	$53,606.06	$53,290.43	$52,816.22	-$474.21	-0.89%
	BOA NEA (8.24%)	$12,505.88	$12,384.46	$12,261.19
	BOA NEA 2 (8.24%)	$13,923.48	$14,025.92	$13,880.06
	Citi Upromise (9.24%)	$6,873.44	$6,797.74	$6,735.61
	CREDIT CARD TOTAL	$33,302.80	$33,208.12	$32,876.86	-$331.26	-1.00%
TOTAL DEBTS		$344,220.80	$343,366.65	$342,561.18	-$805.47	-0.23%

NET WORTH		$166,887.41	$171,861.60	$170,017.67	-$1,843.93	-1.07%

Net Worth Statement – January 5 2011 (+2.98%)

Chuck — Wed, 05 Jan 2011 12:08:50 +0000

Summary

We ended up having a pretty high credit card bill from Christmas so unfortunately I had to take a bit of money out of savings to pay that off.

Overall though it was a pretty solid month. We managed to pay down a few bills, and increases in our stock accounts also helped out,

Monthly Goals

Its Christmas time this month, so that probably mean our credit card bills will be higher than usual. I hope to get some cash built up to keep these paid off.

		Dec-10	Jan-10	MONTHLY	MONTHLY
ASSETS				$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$17,138.95	$15,554.01
	Schwab Investor Checking (0.75% APY)	$4,925.31	$7,835.98
	CASH TOTAL	$22,064.26	$23,389.99	$1,325.73	6.01%
	Treasury Direct	$2,965.94	$2,966.94
	Employee Stock Holdings	$1,777.64	$1,777.64
	STOCKS & BONDS TOTAL	$4,743.58	$4,744.58	$1.00	0.02%
	Ameriprise ROTH IRA (Chuck)	$20,074.44	$20,583.11
	Ameriprise ROTH IRA (Wife)	$1,099.65	$1,117.10
	T. Rowe Price 401K (Chuck)	$71,989.00	$73,203.11
	Vanguard 401K (Wife)	$33,823.28	$35,234.36
	RETIREMENT TOTAL	$126,986.37	$130,137.68	$3,151.31	2.48%
	House Value (Zestimate)	$333,500.00	$333,500.00
	Car Value (Edmunds.com)	$4,418.00	$4,467.00
	SUV Value (Edmunds.com)	$19,396.00	$18,989.00
	MISC TOTAL	$357,314.00	$356,956.00	-$358.00	-0.10%
TOTAL ASSETS		$511,108.21	$515,228.25	$4,120.04	0.81%

DEBTS				$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$257,311.94	$256,868.10
	MORTGAGE TOTAL	$257,311.94	$256,868.10	-$443.84	-0.17%
	AES Student Loan (3.625%)	$1,496.50	$1,449.05
	ACS Student Loan (3.75%)	$1,801.30	$1,801.30
	Great Lakes Student Loan (3.25%)	$42,207.84	$42,207.84
	Honda Financial Services (2.9%)	$8,100.42	$7,832.24
	LOAN TOTAL	$53,606.06	$53,290.43	-$315.63	-0.59%
	BOA NEA (0%)	$12,505.88	$12,384.46
	BOA NEA 2 (0%)	$13,923.48	$14,025.92
	Citi Upromise (0%)	$6,873.44	$6,797.74
	CREDIT CARD TOTAL	$33,302.80	$33,208.12	-$94.68	-0.28%
TOTAL DEBTS		$344,220.80	$343,366.65	-$854.15	-0.25%

NET WORTH		$166,887.41	$171,861.60	$4,974.19	2.98%

Net Worth Statement – December 8 2010 (+5.08%)

Chuck — Wed, 08 Dec 2010 14:14:54 +0000

Summary

I was a little late with the net worth update this month, so my cash numbers are a bit down since the mortgage was already taken out. I think it should rebound as normal next month.

Other than that it was a pretty steady month. I hope to continue the upward trend.

Monthly Goals

Its Christmas time this month, so that probably mean our credit card bills will be higher than usual. I hope to get some cash built up to keep these paid off.

		Nov-10	Dec-10	MONTHLY	MONTHLY
ASSETS				$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$16,523.86	$17,138.95
	Schwab Investor Checking (0.75% APY)	$10,083.07	$4,925.31
	CASH TOTAL	$26,606.93	$22,064.26	-$4,542.67	-17.07%
	Treasury Direct	$2,954.34	$2,965.94
	Employee Stock Holdings	$1,727.08	$1,777.64
	STOCKS & BONDS TOTAL	$4,681.42	$4,743.58	$62.16	1.33%
	Ameriprise ROTH IRA (Chuck)	$19,601.41	$20,074.44
	Ameriprise ROTH IRA (Wife)	$1,083.83	$1,099.65
	T. Rowe Price 401K (Chuck)	$70,159.04	$71,989.00
	Vanguard 401K (Wife)	$32,810.01	$33,823.28
	RETIREMENT TOTAL	$123,654.29	$126,986.37	$3,332.08	2.69%
	House Value (Zestimate)	$333,500.00	$333,500.00
	Car Value (Edmunds.com)	$4,418.00	$4,418.00
	SUV Value (Edmunds.com)	$21,686.00	$19,396.00
	MISC TOTAL	$359,604.00	$357,314.00	-$2,290.00	-0.64%
TOTAL ASSETS		$514,546.64	$511,108.21	-$3,438.43	-0.67%

DEBTS				$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$258,194.24	$257,311.94
	MORTGAGE TOTAL	$258,194.24	$257,311.94	-$882.30	-0.34%
	AES Student Loan (3.625%)	$1,543.63	$1,496.50
	ACS Student Loan (3.75%)	$1,801.30	$1,801.30
	Great Lakes Student Loan (3.25%)	$42,466.99	$42,207.84
	Honda Financial Services (2.9%)	$8,359.31	$8,100.42
	LOAN TOTAL	$54,171.23	$53,606.06	-$565.17	-1.04%
	BOA NEA (8.24%)	$12,634.23	$12,505.88
	BOA NEA 2 (8.24%)	$14,299.42	$13,923.48
	Citi Upromise (9.24%)	$8,877.51	$6,873.44
	CREDIT CARD TOTAL	$35,811.16	$33,302.80	-$2,508.36	-7.00%
TOTAL DEBTS		$348,176.63	$344,220.80	-$3,955.83	-1.14%

NET WORTH		$166,370.01	$166,887.41	$517.40	0.31%

Net Worth Statement – November 1 2010 (+5.08%)

Chuck — Mon, 01 Nov 2010 12:11:46 +0000

Summary

Another strong month for our net worth. I was able to stack up some cash which I will be distributing throughout some of our accounts. Unfortunately though we do have a rather large credit card bill to pay so some of that gain was artificial.

I have been saying for months that we want to increase our savings account, so I finally setup my direct deposit to put some money in there automatically. This way I won’t have a choice anymore so it should be up to where we want it in a few months.

I also decided to downgrade one of our cars from clean to average on Edmunds since it is starting to get up there in age. That dropped its value quite significantly.

Monthly Goals

I do not have anything major coming up this month so hopefully we can continue this positive trend.

		Oct-10	Nov-10	MONTHLY	MONTHLY
ASSETS				$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$16,108.59	$16,523.86
	Schwab Investor Checking (0.75% APY)	$6,990.23	$10,083.07
	CASH TOTAL	$23,098.82	$26,606.93	$3,508.11	15.19%
	Treasury Direct	$2,932.92	$2,954.34
	Employee Stock Holdings	$1,471.70	$1,727.08
	STOCKS & BONDS TOTAL	$4,404.62	$4,681.42	$276.80	6.28%
	Ameriprise ROTH IRA (Chuck)	$18,985.79	$19,601.41
	Ameriprise ROTH IRA (Wife)	$1,055.58	$1,083.83
	T. Rowe Price 401K (Chuck)	$68,167.69	$70,159.04
	Vanguard 401K (Wife)	$31,306.39	$32,810.01
	RETIREMENT TOTAL	$119,515.45	$123,654.29	$4,138.84	3.46%
	House Value (Zestimate)	$333,500.00	$333,500.00
	Car Value (Edmunds.com)	$5,924.00	$4,418.00
	SUV Value (Edmunds.com)	$21,942.00	$21,686.00
	MISC TOTAL	$361,366.00	$359,604.00	-$1,762.00	-0.49%
TOTAL ASSETS		$508,384.89	$514,546.64	$6,161.75	1.21%

DEBTS				$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$258,632.71	$258,194.24
	MORTGAGE TOTAL	$258,632.71	$258,194.24	-$438.47	-0.17%
	AES Student Loan (3.625%)	$1,590.78	$1,543.63
	ACS Student Loan (3.75%)	$1,905.18	$1,801.30
	Great Lakes Student Loan (3.25%)	$42,627.54	$42,466.99
	Honda Financial Services (2.9%)	$8,622.77	$8,359.31
	LOAN TOTAL	$54,746.27	$54,171.23	-$575.04	-1.05%
	BOA MC (0%)	$0.00	$0.00
	BOA NEA (0%)	$12,761.86	$12,634.23
	BOA NEA 2 (0%)	$14,453.66	$14,299.42
	Citi Upromise (0%)	$9,469.34	$8,877.51
	CREDIT CARD TOTAL	$36,684.86	$35,811.16	-$873.70	-2.38%
TOTAL DEBTS		$350,063.84	$348,176.63	-$1,887.21	-0.54%

NET WORTH		$158,321.05	$166,370.01	$8,048.96	5.08%

Net Worth Statement – October 1 2010 (+5.80%)

Chuck — Fri, 01 Oct 2010 20:21:09 +0000

Summary

Ended up being a pretty strong month for us. I was able to pay off one credit card whose 0% term was expiring. I also added a new stock account, my wife is able to purchase company stock at a discount so we started contributing to that. Also had a pretty good month in the stock market which also drove up our numbers.

Monthly Goals

I have been saying this for months, but I would still like to get my cash reserves back up to 18k. Other than that, I don’t really have any big expenses coming up that I am aware of so should hopefully be able to post some positive numbers.

		Sep-10	Oct-10	MONTHLY	MONTHLY
ASSETS				$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$16,093.24	$16,108.59
	Schwab Investor Checking (0.75% APY)	$8,944.61	$6,990.23
	CASH TOTAL	$25,037.85	$23,098.82	-$1,939.03	-7.74%
	Treasury Direct	$2,917.64	$2,932.92
	Employee Stock Holdings		$1,471.70
	STOCKS & BONDS TOTAL	$2,917.64	$4,404.62	$1,486.98	0.15%
	Ameriprise ROTH IRA (Chuck)	$17,997.67	$18,985.79
	Ameriprise ROTH IRA (Wife)	$1,049.73	$1,055.58
	T. Rowe Price 401K (Chuck)	$64,652.69	$68,167.69
	Vanguard 401K (Wife)	$29,205.35	$31,306.39
	RETIREMENT TOTAL	$112,905.44	$119,515.45	$6,610.01	0.53%
	House Value (Zestimate)	$333,500.00	$333,500.00
	Car Value (Edmunds.com)	$6,009.00	$5,924.00
	SUV Value (Edmunds.com)	$22,111.00	$21,942.00
	MISC TOTAL	$361,620.00	$361,366.00	-$254.00	-0.07%
TOTAL ASSETS		$502,480.93	$508,384.89	$5,903.96	1.17%

DEBTS				$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$259,069.41	$258,632.71
	MORTGAGE TOTAL	$259,069.41	$258,632.71	-$436.70	-0.17%
	AES Student Loan (3.625%)	$1,637.61	$1,590.78
	ACS Student Loan (3.75%)	$1,905.18	$1,905.18
	Great Lakes Student Loan (3.25%)	$42,783.84	$42,627.54
	Honda Financial Services (2.9%)	$8,886.28	$8,622.77
	LOAN TOTAL	$55,212.91	$54,746.27	-$466.64	-0.85%
	BOA MC (0%)	$1,263.94	$0.00
	BOA NEA (0%)	$12,887.56	$12,761.86
	BOA NEA 2 (0%)	$14,589.11	$14,453.66
	Citi Upromise (0%)	$9,819.75	$9,469.34
	CREDIT CARD TOTAL	$38,560.36	$36,684.86	-$1,875.50	-4.86%
TOTAL DEBTS		$352,842.68	$350,063.84	-$2,778.84	-0.79%

NET WORTH		$149,638.25	$158,321.05	$8,682.80	5.80%

Net Worth Statement – September 2 2010 (+0.43%)

Chuck — Thu, 02 Sep 2010 11:55:40 +0000

Summary

Held just about even this month. Had a devalue of my home on Zillow which accounted for a decent chunk of the negative. I was not able to build up my cash reserves as much as I had hoped – hopefully this month I can focus on that.

Monthly Goals

I need to get my one BOA card paid off as the promo rate on that is going to expire. Also would like to build my cash reserves back up to 18k.

		Aug-10	Sep-10
ASSETS				$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$16,076.94	$16,093.24
	Schwab Investor Checking (0.75% APY)	$9,931.28	$8,944.61
	CASH TOTAL	$26,008.22	$25,037.85	-$970.37	-3.73%
	Treasury Direct	$2,913.24	$2,917.64
	BONDS TOTAL	$2,913.24	$2,917.64	$4.40	0.15%
	Ameriprise ROTH IRA (Chuck)	$17,903.78	$17,997.67
	Ameriprise ROTH IRA (Wife)	$1,055.35	$1,049.73
	T. Rowe Price 401K (Chuck)	$64,677.41	$64,652.69
	Vanguard 401K (Wife)	$28,668.22	$29,205.35
	RETIREMENT TOTAL	$112,304.76	$112,905.44	$600.68	0.53%
	House Value (Zestimate)	$334,500.00	$333,500.00
	Car Value (Edmunds.com)	$6,406.00	$6,009.00
	SUV Value (Edmunds.com)	$22,017.00	$22,111.00
	MISC TOTAL	$362,923.00	$361,620.00	-$1,303.00	-0.36%
TOTAL ASSETS		$504,149.22	$502,480.93	-$1,668.29	-0.33%

DEBTS				$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$259,504.34	$259,069.41
	MORTGAGE TOTAL	$259,504.34	$259,069.41	-$434.93	-0.17%
	AES Student Loan (3.625%)	$1,684.28	$1,637.61
	ACS Student Loan (3.75%)	$1,905.18	$1,905.18
	Great Lakes Student Loan (3.25%)	$42,939.71	$42,783.84
	Honda Financial Services (2.9%)	$9,148.93	$8,886.28
	LOAN TOTAL	$55,678.10	$55,212.91	-$465.19	-0.84%
	BOA MC (0%)	$2,292.11	$1,263.94
	BOA NEA (0%)	$13,023.27	$12,887.56
	BOA NEA 2 (0%)	$14,742.46	$14,589.11
	Citi Upromise (0%)	$9,918.79	$9,819.75
	CREDIT CARD TOTAL	$39,976.63	$38,560.36	-$1,416.27	-3.54%
TOTAL DEBTS		$355,159.07	$352,842.68	-$2,316.39	-0.65%

NET WORTH		$148,990.15	$149,638.25	$648.10	0.43%

Net Worth Statement – August 2 2010 (+7.98%)

Chuck — Mon, 02 Aug 2010 19:21:35 +0000

Summary

Finally got back into the positive this month. Most of that was due to a good month in the market which saw our retirement accounts go up over 7%. A nice gain on cash as well but that most likely will be going away next update as we had quite a few home improvement issues come up.

Monthly Goals

Hoping to keep status quo this month. Have quite a few expenses from July that are due mid-month so I am hoping just to stay stable with our cash positions.

		Jul-10	Aug-10
ASSETS				$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$16,060.66	$16,076.94
	Schwab Investor Checking (0.75% APY)	$7,765.67	$9,931.28
	CASH TOTAL	$23,826.33	$26,008.22	$2,181.89	9.16%
	Treasury Direct	$2,911.96	$2,913.24
	BONDS TOTAL	$2,911.96	$2,913.24	$1.28	0.04%
	Ameriprise ROTH IRA (Chuck)	$16,880.26	$17,903.78
	Ameriprise ROTH IRA (Wife)	$1,001.40	$1,055.35
	T. Rowe Price 401K (Chuck)	$60,858.64	$64,677.41
	T. Rowe Price 401K (Wife)	$26,168.90	$28,668.22
	RETIREMENT TOTAL	$104,909.20	$112,304.76	$7,395.56	7.05%
	House Value (Zestimate)	$334,500.00	$334,500.00
	Car Value (Edmunds.com)	$6,328.00	$6,406.00
	SUV Value (Edmunds.com)	$22,615.00	$22,017.00
	MISC TOTAL	$363,443.00	$362,923.00	-$520.00	-0.14%
TOTAL ASSETS		$495,090.49	$504,149.22	$9,058.73	-0.61%

DEBTS				$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$259,937.51	$259,504.34
	MORTGAGE TOTAL	$259,937.51	$259,504.34	-$433.17	-0.17%
	AES Student Loan (3.625%)	$1,730.98	$1,684.28
	ACS Student Loan (3.75%)	$2,007.77	$1,905.18
	Great Lakes Student Loan (3.25%)	$43,098.99	$42,939.71
	Honda Financial Services (2.9%)	$9,408.59	$9,148.93
	LOAN TOTAL	$56,246.33	$55,678.10	-$568.23	-1.01%
	BOA MC (0%)	$2,873.04	$2,292.11
	BOA NEA (0%)	$13,148.20	$13,023.27
	BOA NEA 2 (0%)	$14,894.16	$14,742.46
	Citi Upromise (0%)	$10,016.07	$9,918.79
	CREDIT CARD TOTAL	$40,931.47	$39,976.63	-$954.84	-2.33%
TOTAL DEBTS		$357,115.31	$355,159.07	-$1,389.90	-0.39%

NET WORTH		$137,975.18	$148,990.15	$11,014.97	7.98%

Net Worth Statement – July 1 2010 (-1.20%)

Chuck — Thu, 01 Jul 2010 20:17:31 +0000

Summary

Another slightly down month here. Our water heater broke unexpectedly which accounts for the lack of progress so far. It was also a down month in the stock market too which has been the case the last few.

Monthly Goals

Still would like to get a little more padding in our liquid savings. Also have a few home improvement expenses coming up so am hoping to cut back in some other areas to prepare for those.

		Jun-10	Jul-10	MONTHLY	MONTHLY
ASSETS				$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$16,045.90	$16,060.66
	Schwab Investor Checking (0.75% APY)	$9,713.18	$7,765.67
	CASH TOTAL	$25,759.08	$23,826.33	-$1,932.75	-7.50%
	Treasury Direct	$2,911.46	$2,911.96
	BONDS TOTAL	$2,911.46	$2,911.96	$0.50	0.02%
	Ameriprise ROTH IRA (Chuck)	$17,080.93	$16,880.26
	Ameriprise ROTH IRA (Wife)	$1,038.90	$1,001.40
	T. Rowe Price 401K (Chuck)	$62,825.25	$60,858.64
	T. Rowe Price 401K (Wife)	$25,459.80	$26,168.90
	RETIREMENT TOTAL	$106,404.88	$104,909.20	-$1,495.68	-1.41%
	House Value (Zestimate)	$334,500.00	$334,500.00
	Car Value (Edmunds.com)	$6,485.00	$6,328.00
	SUV Value (Edmunds.com)	$22,093.00	$22,615.00
	MISC TOTAL	$363,078.00	$363,443.00	$365.00	0.10%
TOTAL ASSETS		$498,153.42	$495,090.49	-$3,062.93	-0.61%

DEBTS				$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$260,368.93	$259,937.51
	MORTGAGE TOTAL	$260,368.93	$259,937.51	-$431.42	-0.17%
	AES Student Loan (3.625%)	$1,869.82	$1,730.98
	ACS Student Loan (3.75%)	$2,007.77	$2,007.77
	Great Lakes Student Loan (3.25%)	$43,253.98	$43,098.99
	Honda Financial Services (2.9%)	$9,668.34	$9,408.59
	LOAN TOTAL	$56,799.91	$56,246.33	-$553.58	-0.97%
	BOA MC (0%)	$2,903.78	$2,873.04
	BOA NEA (0%)	$13,280.12	$13,148.20
	BOA NEA 2 (0%)	$15,033.40	$14,894.16
	Citi Upromise (0%)	$10,119.07	$10,016.07
	CREDIT CARD TOTAL	$41,336.37	$40,931.47	-$404.90	-0.98%
TOTAL DEBTS		$358,505.21	$357,115.31	-$1,389.90	-0.39%

NET WORTH		$139,648.21	$137,975.18	-$1,673.03	-1.20%

Net Worth Statement – June 1 2010 (-3.21%)

Chuck — Tue, 01 Jun 2010 20:37:31 +0000

Summary

Pretty bad month in the market which accounted for my net worth downfall. Our retirement accounts went down 6.78% in May. Personally I’m not really too concerned about that.

I was able to put some money in our savings account, but overall the rest of our accounts were pretty much stagnant.

Monthly Goals

We went on our yearly vacation last month so there will be some bills to pay off from that. I am hoping to keep expenses down this month to account for that. I would also like to build up our liquid savings a little more over the next month or 2.

		May-10	Jun-10
INCOME				$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$12,630.17	$16,045.90
	Schwab Investor Checking (0.75% APY)	$11,277.80	$9,713.18
	CASH TOTAL	$23,907.97	$25,759.08	$1,851.11	7.74%
	Treasury Direct	$2,900.54	$2,911.46
	BONDS TOTAL	$2,900.54	$2,911.46	$10.92	0.38%
	Ameriprise ROTH IRA (Chuck)	$18,223.48	$17,080.93
	Ameriprise ROTH IRA (Wife)	$1,110.45	$1,038.90
	T. Rowe Price 401K (Chuck)	$68,038.35	$62,825.25
	T. Rowe Price 401K (Wife)	$26,774.19	$25,459.80
	RETIREMENT TOTAL	$114,146.47	$106,404.88	-$7,741.59	-6.78%
	House Value (Zestimate)	$334,500.00	$334,500.00
	Car Value (Edmunds.com)	$6,595.00	$6,485.00
	SUV Value (Edmunds.com)	$22,517.00	$22,093.00
	MISC TOTAL	$363,612.00	$363,078.00	-$534.00	-0.15%
TOTAL ASSETS		$504,566.98	$498,153.42	-$6,413.56	-1.27%

DEBTS				$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$260,798.61	$260,368.93
	MORTGAGE TOTAL	$260,798.61	$260,368.93	-$429.68	-0.16%
	AES Student Loan (3.625%)	$1,869.82	$1,869.82
	ACS Student Loan (3.75%)	$2,007.77	$2,007.77
	Great Lakes Student Loan (3.25%)	$43,412.41	$43,253.98
	Honda Financial Services (2.9%)	$9,930.55	$9,668.34
	LOAN TOTAL	$57,220.55	$56,799.91	-$420.64	-0.74%
	BOA MC (0%)	$3,441.27	$2,903.78
	BOA NEA (0%)	$13,417.16	$13,280.12
	BOA NEA 2 (0%)	$15,191.80	$15,033.40
	Citi Upromise (0%)	$10,217.76	$10,119.07
	CREDIT CARD TOTAL	$42,267.99	$41,336.37	-$931.62	-2.20%
TOTAL DEBTS		$360,287.15	$358,505.21	-$1,781.94	-0.49%

NET WORTH		$144,279.83	$139,648.21	-$4,631.62	-3.21%

Net Worth Statement – May 3 2010 (+3.20%)

Chuck — Mon, 03 May 2010 13:44:03 +0000

Summary

In case anyone was wondering, yes I did finally do my taxes before the April 15th deadline. It turned out to be just as difficult as I was dreading. Luckily I was able to get it all done this year so hopefully next year will be much easier.

I had a couple large payments due this month that I had to dip into my savings for to make sure I had enough to cover. I am ready to transfer that money back into my savings now. I will still not be at my $18k goal though.

Monthly Goals

I am going to focus on increasing my savings as much as possible this month.

		Apr-10	May-10
ASSETS				$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$16,115.28	$12,630.17
	Schwab Investor Checking (0.75% APY)	$7,598.04	$11,277.80
	CASH TOTAL	$23,713.32	$23,907.97	$194.65	0.82%
	Treasury Direct	$2,879.40	$2,900.54
	BONDS TOTAL	$2,879.40	$2,900.54	$21.14	0.73%
	Ameriprise ROTH IRA (Chuck)	$18,259.00	$18,223.48
	Ameriprise ROTH IRA (Wife)	$1,104.86	$1,110.45
	T. Rowe Price 401K (Chuck)	$66,912.73	$68,038.35
	T. Rowe Price 401K (Wife)	$25,474.04	$26,774.19
	RETIREMENT TOTAL	$111,750.63	$114,146.47	$2,395.84	2.14%
	House Value (Zestimate)	$334,500.00	$334,500.00
	Car Value (Edmunds.com)	$6,373.00	$6,595.00
	SUV Value (Edmunds.com)	$22,635.00	$22,517.00
	MISC TOTAL	$363,508.00	$363,612.00	$104.00	0.03%
TOTAL ASSETS		$501,851.35	$504,566.98	$2,715.63	1.59%

DEBTS				$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$261,226.55	$260,798.61
	MORTGAGE TOTAL	$261,226.55	$260,798.61	-$427.94	-0.16%
	AES Student Loan (3.625%)	$1,869.82	$1,869.82
	ACS Student Loan (3.75%)	$2,109.10	$2,007.77
	Great Lakes Student Loan (3.25%)	$43,566.57	$43,412.41
	Honda Financial Services (2.9%)	$10,188.54	$9,930.55
	LOAN TOTAL	$57,734.03	$57,220.55	-$513.48	-0.89%
	BOA MC (0%)	$3,880.97	$3,441.27
	BOA NEA (0%)	$13,546.24	$13,417.16
	BOA NEA 2 (0%)	$15,341.31	$15,191.80
	Citi Upromise (0%)	$10,317.25	$10,217.76
	CREDIT CARD TOTAL	$43,085.77	$42,267.99	-$817.78	-1.90%
TOTAL DEBTS		$362,046.35	$360,287.15	-$1,759.20	-0.49%

NET WORTH		$139,805.00	$144,279.83	$4,474.83	3.20%

Net Worth Statement – April 2 2010 (+7.02%)

Chuck — Fri, 02 Apr 2010 11:56:50 +0000

Summary

Had a great month in the market which accounted for most of the gains in my net worth this month. My company also reinstated some of our 401k match which is great news, so I increased my contributions up to the match amount.

Everything else was pretty stagnant.

Monthly Goals

Call it laziness, but I still have not finished our taxes. It has proven to be pretty difficult this year and I admit I have been pretty apathetic to the whole process. Unfortunately most of it is prep work so I can’t even really pay a pro to do that (or if I did it would probably cost a fortune). Obviously I need to finish those this month.

I also would like to get my cash reserves back up to $18,000. Not quite sure that I am going to make it this month though.

		Mar-10	Apr-10
ASSETS				$ DIFF	% DIFF
	DollarSavingsDirect Savings (1.70% APY)	$16,098.09	$16,115.28
	Schwab Investor Checking (0.75% APY)	$8,692.40	$7,598.04
	CASH TOTAL	$24,790.49	$23,713.32	-$1,077.17	-4.35%
	Treasury Direct	$2,864.70	$2,879.40
	BONDS TOTAL	$2,864.70	$2,879.40	$14.70	0.51%
	Ameriprise ROTH IRA (Chuck)	$17,250.18	$18,259.00
	Ameriprise ROTH IRA (Wife)	$1,092.02	$1,104.86
	T. Rowe Price 401K (Chuck)	$61,888.66	$66,912.73
	T. Rowe Price 401K (Wife)	$22,874.04	$25,474.04
	RETIREMENT TOTAL	$103,104.90	$111,750.63	$8,645.73	8.39%
	House Value (Zestimate)	$334,500.00	$334,500.00
	Car Value (Edmunds.com)	$6,319.00	$6,373.00
	SUV Value (Edmunds.com)	$22,408.00	$22,635.00
	MISC TOTAL	$363,227.00	$363,508.00	$281.00	0.08%
TOTAL ASSETS		$493,987.09	$501,851.35	$7,864.26	1.59%

DEBTS				$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$261,652.76	$261,226.55
	MORTGAGE TOTAL	$261,652.76	$261,226.55	-$426.21	-0.16%
	AES Student Loan (3.625%)	$1,916.34	$1,869.82
	ACS Student Loan (3.75%)	$2,109.10	$2,109.10
	Great Lakes Student Loan (3.25%)	$43,700.87	$43,566.57
	Honda Financial Services (2.9%)	$10,444.43	$10,188.54
	LOAN TOTAL	$58,170.74	$57,734.03	-$436.71	-0.75%
	BOA MC (0%)	$3,927.74	$3,880.97
	BOA NEA (0%)	$13,682.58	$13,546.24
	BOA NEA 2 (0%)	$15,492.28	$15,341.31
	Citi Upromise (0%)	$10,420.66	$10,317.25
	CREDIT CARD TOTAL	$43,523.26	$43,085.77	-$437.49	-1.01%
TOTAL DEBTS		$363,346.76	$362,046.35	-$1,300.41	-0.36%

NET WORTH		$130,640.33	$139,805.00	$9,164.67	7.02%

Net Worth Statement – March 2 2010 (6.79%)

Chuck — Tue, 02 Mar 2010 12:49:31 +0000

Summary

Made some progress this month towards increasing our cash reserves as well as bringing down the credit cards. Was also helped by an increase in our retirement accounts.

I also closed out my HSBC Savings account which I haven’t used in a few years. I had a free checking account for quite some time with them and they sent me a notice that they were going to start charging a $3 monthly service charge on it – so I promptly closed it.

Monthly Goals

Finish my taxes is priority number one. It has been slow going as I sold a bunch of individual stocks so need to figure out the cost basis for those.

		Mar-10
ASSETS			$ DIFF	% DIFF
	HSBC Savings Account (1.45% APY)	$0.00
	DollarSavingsDirect Savings (1.70% APY)	$16,098.09
	Schwab Investor Checking (0.75% APY)	$8,692.40
	CASH TOTAL	$24,790.49	$2,126.65	9.38%
	Treasury Direct	$2,864.70
	BONDS TOTAL	$2,864.70	$4.02	0.14%
	Ameriprise ROTH IRA (Chuck)	$17,250.18
	Ameriprise ROTH IRA (Wife)	$1,092.02
	T. Rowe Price 401K (Chuck)	$61,888.66
	T. Rowe Price 401K (Wife)	$22,874.04
	RETIREMENT TOTAL	$103,104.90	$3,534.64	3.55%
	House Value (Zestimate)	$334,500.00
	Car Value (Edmunds.com)	$6,319.00
	SUV Value (Edmunds.com)	$22,408.00
	MISC TOTAL	$363,227.00	$3.00	0.00%
TOTAL ASSETS		$493,987.09	$5,668.31	1.16%

DEBTS			$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$261,652.76
	MORTGAGE TOTAL	$261,652.76	-$847.24	-0.32%
	AES Student Loan (3.625%)	$1,916.34
	ACS Student Loan (3.75%)	$2,109.10
	Great Lakes Student Loan (3.25%)	$43,700.87
	Honda Financial Services	$10,444.43
	LOAN TOTAL	$58,170.74	-$305.45	-0.52%
	BOA MC (0%)	$3,927.74
	BOA NEA (0%)	$13,682.58
	BOA NEA 2 (0%)	$15,492.28
	Citi Upromise (0%)	$10,420.66
	CREDIT CARD TOTAL	$43,523.26	-$1,484.73	-3.30%
TOTAL DEBTS		$363,346.76	-$2,637.42	-0.72%

NET WORTH		$130,640.33	$8,305.73	6.79%

IRS EFile – When Will I Get My Refund Direct Deposit or Check? (2010)

Chuck — Tue, 02 Feb 2010 12:52:45 +0000

For those of you like me wondering when you can expect to receive your refund direct depot or check once you efile the IRS has a handy publication 2043 with this information.

The table below shows when your federal tax refund should be deposited in your bank account or your check mailed if you efiled and your refund was accepted within the dates listed.

Transmitted and accepted (by 11:00 am) between…	Direct Deposit Sent	Paper Check Mailed
Jan 15 and Jan 21, 2010	Jan 29, 2010	Feb 5, 2010
Jan 21 and Jan 28, 2010	Feb 5, 2010	Feb 12, 2010
Jan 28 and Feb 4, 2010	Feb 12, 2010	Feb 19, 2010
Feb 4 and Feb 11, 2010	Feb 19, 2010	Feb 26, 2010
Feb 11 and Feb 18, 2010	Feb 26, 2010	Mar 5, 2010
Feb 18 and Feb 25, 2010	Mar 5, 2010	Mar 12, 2010
Feb 25 and Mar 4, 2010	Mar 12, 2010	Mar 19, 2010
Mar 4 and Mar 11, 2010	Mar 19, 2010	Mar 26, 2010
Mar 11 and Mar 18, 2010	Mar 26, 2010	Apr 2, 2010
Mar 18 and Mar 25, 2010	Apr 2, 2010	Apr 9, 2010
Mar 25 and Apr 1, 2010	Apr 9, 2010	Apr 16, 2010
Apr 1 and Apr 8, 2010	Apr 16, 2010	Apr 23, 2010
Apr 8 and Apr 15, 2010	Apr 23, 2010	Apr 30, 2010
Apr 15 and Apr 22, 2010	Apr 30, 2010	May 7, 2010

Net Worth Statement – February 1 2010 (-2.22%)

Chuck — Mon, 01 Feb 2010 13:44:57 +0000

Summary

Not much happened this month. Was able to pay a little towards my credit cards, but the drop in net worth is due to losses in the stock market which took a bite out of our 401k accounts.

My tax documentation also has started rolling in so I can begin that journey shortly.

Monthly Goals

I am slowly trying to build the savings account back up to $18,000. Also hoping to get my credit card debt down as much as possible as well.

		Feb-10
ASSETS			$ DIFF	% DIFF
	HSBC Savings Account (1.45% APY)	$283.75
	DollarSavingsDirect Savings (1.70% APY)	$16,080.59
	Schwab Investor Checking (0.75% APY)	$6,299.50
	CASH TOTAL	$22,663.84	-$1,336.74	-5.57%
	Treasury Direct	$2,860.68
	BONDS TOTAL	$2,860.68	$0.52	0.02%
	Ameriprise ROTH IRA (Chuck)	$17,046.73
	Ameriprise ROTH IRA (Wife)	$1,092.00
	T. Rowe Price 401K (Chuck)	$60,030.65
	T. Rowe Price 401K (Wife)	$21,400.88
	RETIREMENT TOTAL	$99,570.26	-$2,903.47	-2.83%
	House Value (Zestimate)	$334,500.00
	Car Value (Edmunds.com)	$6,316.00
	SUV Value (Edmunds.com)	$22,408.00
	MISC TOTAL	$363,224.00	$519.00	-0.03%
TOTAL ASSETS		$488,318.78	-$3,720.69	-0.76%

DEBTS			$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$262,500.00
	MORTGAGE TOTAL	$262,500.00	$0.00	0.00%
	AES Student Loan (3.625%)	$1,962.10
	ACS Student Loan (3.75%)	$2,109.10
	Great Lakes Student Loan (3.25%)	$43,700.87
	Honda Financial Services	$10,704.12
	LOAN TOTAL	$58,476.19	$70.95	0.12%
	BOA MC (0%)	$4,990.14
	BOA NEA (0%)	$13,822.95
	BOA NEA 2 (0%)	$15,658.62
	Citi Upromise (0%)	$10,536.28
	CREDIT CARD TOTAL	$45,007.99	-$1,008.17	-2.19%
TOTAL DEBTS		$365,984.18	-$937.22	-0.26%

NET WORTH		$122,334.60	-$2,783.47	-2.22%

Net Worth Statement – January 4 2010 (3.51%)

Chuck — Mon, 04 Jan 2010 15:03:08 +0000

Summary

Happy New Year everyone! December was a pretty interesting month financially for us with some large swings.

First off, the refinance on our home was complete and our interest rate is now 4.875% which is pretty exciting. The mortgage total went up because we rolled the closing costs into the loan rather than paying them out of pocket. By my calculations the refi should pay for itself in about 18 months. Also, due to the timing of the close we ended up not having to make our December mortgage payment which is part of the reason for the cash reserve increase.

The market was also up this month which bumped up the retirement portfolio a bit. Was also to pay down a bit on the credit cards so overall I was pretty pleased with the month.

Monthly Goals

Going to have to pay off the holiday bills which is always tough. We kept it somewhat under control this year. Would like to increase my cash reserves up to about $18,000 which is where I like to see it at.

		Jan-10
ASSETS			$ DIFF	% DIFF
	HSBC Savings Account (1.45% APY)	$283.43
	DollarSavingsDirect Savings (1.70% APY)	$15,061.12
	Schwab Investor Checking (0.75% APY)	$8,656.03
	CASH TOTAL	$24,000.58	$4,925.16	25.82%
	Treasury Direct	$2,860.16
	BONDS TOTAL	$2,860.16	$0.12	0.00%
	Ameriprise ROTH IRA (Chuck)	$17,726.85
	Ameriprise ROTH IRA (Wife)	$841.98
	T. Rowe Price 401K (Chuck)	$62,525.09
	T. Rowe Price 401K (Wife)	$21,379.81
	RETIREMENT TOTAL	$102,473.73	$5,199.24	5.34%
	House Value (Zestimate)	$334,500.00
	Car Value (Edmunds.com)	$6,724.00
	SUV Value (Edmunds.com)	$21,481.00
	MISC TOTAL	$362,705.00	-$125.00	-0.03%
TOTAL ASSETS		$492,039.47	$9,999.52	2.07%

DEBTS			$ DIFF	% DIFF
	Citi Mortgage (4.875%)	$262,500.00
	MORTGAGE TOTAL	$262,500.00	$7,951.47	3.12%
	AES Student Loan (3.625%)	$2,144.09
	ACS Student Loan (3.75%)	$2,209.18
	Great Lakes Student Loan (3.25%)	$43,417.56
	Honda Financial Services	$10,634.41
	LOAN TOTAL	$58,405.24	-$578.03	-0.98%
	BOA MC (0%)	$5,767.52
	BOA NEA (0%)	$13,968.26
	BOA NEA 2 (0%)	$15,544.53
	Citi Upromise (0%)	$10,735.85
	CREDIT CARD TOTAL	$46,016.16	-$1,615.15	-3.39%
TOTAL DEBTS		$366,921.40	$5,758.29	1.59%

NET WORTH		$125,118.07	$4,241.23	3.51%

Net Worth Statement – December 1 2009 (-2.00%)

Chuck — Tue, 01 Dec 2009 13:05:58 +0000

Summary

Well my cash reserves finally took a hit from the large school tax bill I paid the previous month. We also took a big hit from the value of our SUV – I think I did not input the specs in correctly last month as that number seemed high to me, so hopefully its correct going forward.

On the plus side, I was finally able to refinance our home loan down to 4.875% thought it does not take effect until next month. Pretty happy about that since our rate was probably about the highest it had been in the last 6 years or so.

Monthly Goals

Rebuild the cash reserves. They are much lower than I am comfortable with right now. Would also be nice to keep the holiday shopping under control.

		Dec-09
ASSETS			$ DIFF	% DIFF
	HSBC Savings Account (1.45% APY)	$145.58
	DollarSavingsDirect Savings (1.70% APY)	$10,643.93
	Schwab Investor Checking (0.75% APY)	$8,285.91
	CASH TOTAL	$19,075.42	-$3,581.41	-15.81%
	Treasury Direct	$2,860.04
	BONDS TOTAL	$2,860.04	$9.60	0.34%
	Ameriprise ROTH IRA (Chuck)	$17,371.86
	Ameriprise ROTH IRA (Wife)	$841.95
	T. Rowe Price 401K (Chuck)	$60,156.68
	T. Rowe Price 401K (Wife)	$18,904.00
	RETIREMENT TOTAL	$97,274.49	$3,454.59	3.68%
	House Value (Zestimate)	$334,500.00
	Car Value (Edmunds.com)	$6,679.00
	SUV Value (Edmunds.com)	$21,651.00
	MISC TOTAL	$362,830.00	-$3,295.00	-0.90%
TOTAL ASSETS		$482,039.95	-$3,412.22	-0.70%

DEBTS			$ DIFF	% DIFF
	Countrywide Mortgage(6.75%)	$254,548.53
	MORTGAGE TOTAL	$254,548.53	$0.00	0.00%
	AES Student Loan (3.625%)	$2,144.09
	ACS Student Loan (3.75%)	$2,209.18
	Great Lakes Student Loan (3.25%)	$43,417.56
	Honda Financial Services	$11,212.44
	LOAN TOTAL	$58,983.27	-$707.82	-1.19%
	BOA MC (0%)	$6,828.40
	BOA NEA (0%)	$14,099.36
	BOA NEA 2 (0%)	$15,967.70
	Citi Upromise (0%)	$10,735.85
	CREDIT CARD TOTAL	$47,631.31	-$233.23	-0.49%
TOTAL DEBTS		$361,163.11	-$941.05	-0.26%

NET WORTH		$120,876.84	-$2,471.17	-2.00%

Net Worth Statement – November 4 2009 (+4.51%)

Chuck — Wed, 04 Nov 2009 13:21:36 +0000

Summary

I was happy to see the net worth go up this month. Had a pretty hefty school tax bill which caused the cash reserves to dip a little bit. Luckily our 401ks went up a bit, and the Zestimate of our home as well thanks to a couple strong sales in the neighborhood.

What I didn’t do was pay down much credit card balance which will be going out of 0% very soon. I have been looking for other cards to transfer them to but so far it has come up empty.

Monthly Goals

My refinance should go through this month so I will have a bit of a payment on that for the closing costs. It will bring my rate down to 4.875% though so I think it is definitely worth it in the long run.

		Nov-09
ASSETS			$ DIFF	% DIFF
	HSBC Savings Account (1.45% APY)	$145.41
	DollarSavingsDirect Savings (1.70% APY)	$16,126.77
	Schwab Investor Checking (0.75% APY)	$6,384.65
	CASH TOTAL	$22,656.83	-$3,021.23	-11.77%
	Treasury Direct	$2,850.44
	BONDS TOTAL	$2,850.44	$20.00	0.71%
	Ameriprise ROTH IRA (Chuck)	$16,556.31
	Ameriprise ROTH IRA (Wife)	$841.94
	T. Rowe Price 401K (Chuck)	$58,120.53
	T. Rowe Price 401K (Wife)	$18,301.12
	RETIREMENT TOTAL	$93,819.90	$1,283.51	1.39%
	House Value (Zestimate)	$334,500.00
	Car Value (Edmunds.com)	$6,749.00
	SUV Value (Edmunds.com)	$24,876.00
	MISC TOTAL	$366,125.00	$5,329.00	1.48%
TOTAL ASSETS		$485,452.17	$3,611.28	0.75%

DEBTS			$ DIFF	% DIFF
	Countrywide Mortgage(6.75%)	$254,548.53
	MORTGAGE TOTAL	$254,548.53	-$526.62	-0.21%
	AES Student Loan (3.625%)	$2,209.18
	ACS Student Loan (3.75%)	$2,308.02
	Great Lakes Student Loan (3.25%)	$43,701.56
	Honda Financial Services	$11,472.33
	LOAN TOTAL	$59,691.09	-$399.14	-0.66%
	BOA MC (0%)	$6,903.38
	BOA NEA (0%)	$14,247.95
	BOA NEA 2 (0%)	$15,858.37
	Citi Upromise (0%)	$10,854.84
	CREDIT CARD TOTAL	$47,864.54	-$780.87	-1.61%
TOTAL DEBTS		$362,104.16	-$1,706.63	-0.47%

NET WORTH		$123,348.01	$5,317.91	4.51%

Net Worth Statement – October 2 2009 (-25.01%)

Chuck — Fri, 02 Oct 2009 12:15:33 +0000

Summary

My net worth for this month is a complete rewrite. I decided to include a couple other figured that are my wife’s into our combined net worth which caused quite a crash – mainly her graduate school student loan. We also financed a new (used) car so that loan and car value is now included on my net worth.

Pretty much feels like I’m starting from scratch at this point, but I’m obviously keeping all the history to compare to the past.

Monthly Goals

Rebuild my cash reserves after paying my school taxes – I mailed the check but they haven’t cashed it yet so its not reflected in this months net worth. Also need to continue to make progress on paying down our credit cards, I stalled a bit on that this month.

		Oct-09
ASSETS			$ DIFF	% DIFF
	HSBC Savings Account (1.45% APY)	$145.25
	DollarSavingsDirect Savings (1.70% APY)	$16,104.22
	Schwab Investor Checking (0.75% APY)	$9,428.59
	CASH TOTAL	$25,678.06	-$523.19	-2.00%
	Treasury Direct	$2,830.44
	BONDS TOTAL	$2,830.44	$18.58	0.66%
	Ameriprise ROTH IRA (Chuck)	$16,419.48
	Ameriprise ROTH IRA (Wife)	$841.92
	T. Rowe Price 401K (Chuck)	$57,853.56
	T. Rowe Price 401K (Wife)	$17,421.43
	RETIREMENT TOTAL	$92,536.39	$20,054.79	27.67%
	House Value (Zestimate)	$331,500.00
	Car Value (Edmunds.com)	$6,868.00
	SUV Value (Edmunds.com)	$22,428.00
	MISC TOTAL	$360,796.00	$14,473.00	4.18%
TOTAL ASSETS		$481,840.89	$34,023.18	7.60%

DEBTS			$ DIFF	% DIFF
	Countrywide Mortgage(6.75%)	$255,075.15
	MORTGAGE TOTAL	$255,075.15	-$523.67	-0.20%
	AES Student Loan (3.625%)	$2,189.10
	ACS Student Loan (3.75%)	$2,308.02
	Great Lakes Student Loan (3.25%)	$43,870.78
	Honda Financial Services	$11,722.33
	LOAN TOTAL	$60,090.23	$57,901.13	2644.97%
	BOA MC (0%)	$6,977.72
	BOA NEA (0%)	$14,398.24
	BOA NEA 2 (0%)	$16,302.50
	Citi Upromise (0%)	$10,966.95
	CREDIT CARD TOTAL	$48,645.41	$16,000.32	49.01%
TOTAL DEBTS		$363,810.79	$73,377.78	25.26%

NET WORTH		$118,030.10	-$39,354.60	-25.01%