October Net Worth

Lil’ Sizzlers Portfolio:
Total Market Value: 1,061 (+71)
Total Divs: 32.81

Cash:
1,643+150+696 = 2,489 (-22)

Roth IRA Basis:
4,835 (+250)

Roth IRA Cap Gains/Divs:
-34 10/31 Gains (+216)
+46.21 2014 DRIP
Total: 12

401k:
My Contribution Basis: 1083
Company Match:  1083
Total: 2,166 (+364)

CC Cash Back:
14+20 Chase, 35 AmEx (Credits)

Motorcycle:
3,500

Car:
1,700

Personal Assets:
5000

Total Assets:
20,832 (+731)

“Liquid” Assets (cash, stock and retirement):
10,632 (+731)

Liabilities

Chase Freedom:
55 Payment Bal (-17)

Amercan Express:
412 (0% Interest)

Bank CC:
25

Student Loan:
Paid on loan: 200
Balance: 23,931 (-103)

Total Liablities:
24,423 (+292)

Net Worth:
-3,591 (+439)

Monthly Income: 2,531
Monthly Assets Change: +731
Monthly Liabilities Change: +292
Monthly Net Worth Change: +439
Monthly Savings Rate (IRA/401k+Match/Investments/Cash/StudenLoan): 36% or $931.

This month was decent!  Due to the 3 year anniversary with my girlfriend and a job change that required some shopping, I spent quite a bit more than usual this month (over $500).  I got my third credit card, an AmEx Blue.  They started me at a 5k line immediately, which almost doubled my available credit – nice!  I’ve not got $11,000 available credit.  Also, a recent check of the FICO credit score puts me at 763, while CreditKarma is reporting 750 and 743!  Looking good there.  I am excited to get my $250 cash back after a $1,000 spend on my AmEx as well.  The savings are real!

With the holidays coming up, the cash savings will probably continue to remain stagnant, but retirement and student loans keep the top priority and will not decline.  The current decline in student loan is due to putting half into an account for the girlfriend, who has an immediate college bill that wasn’t covered by financial aid.  All is well here!  Hopefully I’ll be another $1000 closer to that $0 net worth mark after the end of this month as well.

September Net Worth

Lil’ Sizzlers Portfolio:
Total Market Value: 990 (+15)
Total Divs: 32.81 (+8.88)

Cash:
1,594+150+767 = 2,511 (+429)

Roth IRA Basis:
4,585 (+200)

Roth IRA Cap Gains/Divs:
-250 9/30 Gains (-61)
+46.21 2014 DRIP
Total: -154

401k:
My Contribution Basis: 901
Company Match:  901
Total: 1,802 (+274)

CC Cash Back:
13

Motorcycle:
3,500

Car:
1,700

Personal Assets:
5000

Total Assets:
20,101 (+1,080)

“Liquid” Assets (cash, stock and retirement):
9,901 (+1,080)

Liabilities

Chase Freedom:
72 Payment Bal (-248 – this is at 0 at the moment)

Bank CC:
25 (+25)

Student Loan:
Paid on loan: 388
Balance: 24,034 (-283)

Total Liablities:
24,131 (-506)

Net Worth:
-4,030 (+1,586)

Monthly Income: 1,900
Monthly Assets Change: +1,080
Monthly Liabilities Change: -506
Monthly Net Worth Change: +1,586
Monthly Savings Rate (IRA/401k+Match/Investments/Cash/StudenLoan): 68% or $1304.

Great boost this month, but the cash numbers look better than they really are.  We happened to end the month on the day before rent came out and a grocery trip in the near future as well.  However, it was still a solid month and I was able to knock my credit card down to zero (as of yesterday), so I was able to utilize the full 15 month 0% interest period without paying a cent of interest.

Ending the month, we are using a different strategy for about 8 more weeks.  Paying less on the student loan and putting more towards and immediate college debt for my girlfriend.  It’ll total up to about $850, and then things will get back to normal.  Other than that, continuing to chug along.  Stagnant on cash growth at the moment, but I have a decent savings cushion and our joint bank account continues to have a decent cushion as well.