July Net Worth

Lil’ Sizzlers Portfolio:
Total Market Value: 1,040 (-25)
Total Divs: 23.93 (0)

Cash:
1,604+100+428 = 2,132 (+489)

Roth IRA Basis:
4,210 (+234)

Roth IRA Cap Gains/Divs:
+57 7/31 Gains (+17)
+46.21 2014 DRIP
Total: 103

401k:
My Contribution Basis: 627
Company Match:  627
Total: 1254 (+428)

CC Cash Back:
13 (0)

Motorcycle:
3,500

Car:
1,700

Personal Assets:
5000

Total Assets:
18,976 (+1,153)

“Liquid” Assets (cash, stock and retirement):
8,776 (+1,177)

Liabilities

Chase Freedom:
240 Payment Bal (Zero % APR) (-280)

Bank CC:
19 (+19)

Student Loan:
Paid on loan: 480
Balance: 24,592 (-380)

Total Liablities:
24,851 (-632)

Net Worth:
-5,875 (+1,785) – WOW!

Monthly Income: 2,900
Monthly Assets Change: +1,153
Monthly Liabilities Change: -632
Monthly Net Worth Change: +1,785
Monthly Savings Rate (IRA/401k+Match/Investments/Cash/StudentLoan): 56% or $1,631!

Exemplary month, here!  This may be my best month yet.  With the opportunity to not only work a holiday for a day of time and a half, I also worked over 40 hours of overtime on top of that.  Plus, it was a 5-week month, so even more income and savings than usual.  I banked a lot of the extra cash and put some into the credit card to prepare for a full payoff within the next couple of months.  I purchased a bicycle at a retail store, orginially $190 and I walked out paying $105 due to sales, discounts and coupons.  That’s a score!

I hope to continue another month with at least a few hours of overtime here and  there.  This month includes a trip to the Packers’ Training Camp, so I’ll definitely be losing some money there.  But I had a good month, and am prepared to spend a bit to enjoy myself and time with my friends/girlfriend.  I should be receiving a pay raise starting this week as well.  A small raise of $0.50/hour, but still it adds up to a $936 gross per year increase!

Till next time!

June Net Worth

Lil’ Sizzlers Portfolio:
Total Market Value: 1,065 (-17)
Total Divs: 23.93 (+12.15)

Cash:
1,466+177 = 1,643 (-311)

Roth IRA Basis:
3,976 (+139)

Roth IRA Cap Gains/Divs:
+30 6/30 Gains (-80)
+46.21 2014 DRIP
Total: 76

401k:
My Contribution Basis: 413
Company Match: 413
Total: 826 (+264)

CC Cash Back:
13 (-18)

Motorcycle:
3,500

Car:
1,700

Personal Assets:
5000 (+200)

Total Assets:
17,823 (+201)

“Liquid” Assets (cash, stock and retirement):
7,599 (-23)

Liabilities

Chase Freedom:
520 Payment Bal (Zero % APR) (-40)

Bank CC:
0 (-21)

Student Loan:
Paid on loan: 384
Balance: 24,972 (-195) – Must have miscalculated total at end of last month.  Should be closer to 300.

Total Liablities:
25,483 (-244)

Net Worth:
-7,660 (+445)

Monthly Income: 1,849
Monthly Assets Change: +201
Monthly Liabilities Change: -244
Monthly Net Worth Change: +445
Monthly Savings Rate (ret/inv/cash/loan): 26% or $489

Bah.  Not a pretty month this month.  Moved into a new place with my significant other, and ended up spending quite a bit of cash on things that we needed.  One trip alone was over $200, coupled with a few more trips here and there, really didn’t help my savings rate this month.  Lost a bunch of cash due to abnormal spending.  However, I did keep it above 15%, which is good.  Maintained the normal IRA, student loan and 401k rates, but the loss of over 300 in cash from last month is what really put a dent in an otherwise solid month.  I must have mistyped or did something wrong with the student loan total last month – putting in nearly $400 should not result in a $200 dent to the loan.  Should be back on track next month.  I am working a bit of overtime here and there to hopefully boost the cash influx by a few bucks.  Girlfriend and I are also using a new combined account for all major expenses, so I am losing more income than usual to that.  I pay about 60% and her 40%, due to me earning a higher income.  So my savings may go down a bit as it is from now on if I don’t work overtime or increase cash by other means.