November Net Worth

Cash:
12,360

Roth IRA Basis:
11,031

401k:
Contribution Basis: 6,718
Company Match: 6,718
Total: 13,436

Pension:
$705

Motorcycle:
3,000

Truck:
4,500

Mustang:
1,000

Personal Assets:
12,000

Total Assets:
57,327 (+9,219)

“Liquid” Assets (cash, 401k, IRA):
36,827

Liabilities

Chase Freedom:
0

Chase Unlimited:
0

Chase Sapphire:
0

American Express:
0

Bank CC:
0

Student Loan:
Balance: 10,059 (-722)

Total Liabilities:
-10,059

Net Worth:
+46,846 (+9,219)

Credit Score:
Credit Karma scores:  786 TU / 767 Equifax
FICO score:  772
Chase Transunion: 780

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August Net Worth

Cash:
5,100

Roth IRA Basis:
9,981

401k:
Contribution Basis: 5,915
Company Match: 5,915
Total: 11,830

Pension:
$697

Motorcycle:
3,000

Truck:
4,500

Mustang:
1,000

Personal Assets:
12,000

Total Assets:
48,108 (+62)

“Liquid” Assets (cash, 401k, IRA):
26,911

Liabilities

Chase Freedom:
0

Chase Unlimited:
0

Chase Sapphire:
0

American Express:
0

Bank CC:
0

Student Loan:
Balance: 10,481 (-302)

Total Liabilities:
-10,481

Net Worth:
+37,627 (+714)

Credit Score:
Credit Karma scores:  781 TU / 762 Equifax
FICO score:  770
Chase Transunion: 780

  • Another month with some big spending on home improvements!  Dropped about $1,300 on new siding for the house.  Cash should continue to hover around 5-6k as I continue to save and spend on various improvements.
  • Able to use $550 cash back from the Sapphire, an awesome chunk of free money!

July Net Worth

Cash:
5,800

Roth IRA Basis:
9,681

401k:
Contribution Basis: 5,685
Company Match: 5,685
Total: 11,370

Pension:
$695

Motorcycle:
3,000

Truck:
4,500

Mustang:
1,000

Personal Assets:
12,000

Total Assets:
48,046 (-2,537)

“Liquid” Assets (cash, stock 401k, IRA):
26,851

Liabilities

Chase Freedom:
0

Chase Unlimited:
350

American Express:
0

Bank CC:
0

Student Loan:
Balance: 10,783 (-280)

Total Liabilities:
-11,133

Net Worth:
+36,913 (-2,557)

Credit Score:
Credit Karma scores:  780 TU / 762 Equifax
FICO score:  770
Chase Transunion: 780

  • Spent quite a bit this month both on windows ($3,200) for the house and two weekend trips to some big cities which doesn’t happen often, but ended up being around $650 total.
  • One of the major house projects out of the way (windows), but still on track to save and spend on another big project, siding.
  • Retirement account current values total over $24k right now which is an awesome number to see!  The market has been great to me these past few years.  I expect it to correct down the road, and volatility is the reason I show cost basis only in my totals.

June Net Worth

Cash:
9,100

Roth IRA Basis:
9,381

401k:
Contribution Basis: 5,455
Company Match: 5,455
Total: 10,910

Pension:
$692

Motorcycle:
3,000

Truck:
4,500

Mustang:
1,000

Personal Assets:
12,000

Total Assets:
50,583 (+4.022)

“Liquid” Assets (cash, stock 401k, IRA):
29,391

Liabilities

Chase Freedom:
0

Chase Unlimited:
0

American Express:
49

Bank CC:
0

Student Loan:
Balance: 11,063 (-315)

Total Liabilities:
-11,112

Net Worth:
+39,471 (+4,288)

Credit Score:
Credit Karma scores:  779 TU / 759 Equifax
FICO score:  797
Chase Transunion: 779

  • Saved hard for the house projects this month, and got a small boost from the remainder of an insurance check.
  • Got approved for the Chase Sapphire Preferred with a balance of $12k.  I will get $500 back towards the projects when I get those purchased!

May Net Worth

Cash:
6,222

Roth IRA Basis:
8,931

401k:
Contribution Basis: 5,111
Company Match: 5,111
Total: 10,222

Pension:
$686

Motorcycle:
3,000

Truck:
4,500

Mustang:
1,000

Personal Assets:
12,000

Total Assets:
46,561 (+ 620)

“Liquid” Assets (cash, stock 401k, IRA):
25,375

Liabilities

Chase Freedom:
0

Chase Unlimited:
0

American Express:
35

Bank CC:
0

Student Loan:
Balance: 11,343 (-486)

Total Liabilities:
11,378 (-1060)

Net Worth:
+35,183 (+1,608)

Credit Score:
Credit Karma scores:  782 TU / 750 Equifax
FICO score:  765
Chase Transunion: 782

  • Paid off a $550 sectional and $240 floor this month, so not as much cash gain as normal.
  • Got $5,000 emergency fund into 1.05% Ally Savings account – a lot better than the .05% from the credit union!
  • Going to try to save hard the next couple months to support a couple big house projects – windows and a fence.  May also open a new CC (Chase SP has a $500 offer) to get some cash back on this as well.

April Net Worth

Cash:
6,362

Roth IRA Basis:
8,631

401k:
Contribution Basis: 4,881
Company Match: 4,881
Total: 9,762

Pension:
$686

Motorcycle:
3,000

Truck:
4,500

Mustang:
1,000

Personal Assets:
12,000

Total Assets:
45,941 (+974)

“Liquid” Assets (cash, stock and retirement):
25,755

Liabilities

Chase Freedom:
0

Chase Unlimited:
588

American Express:
0

Bank CC:
21

Student Loan:
Balance: 11,829 (-501)

Total Liabilities:
12,438 (-136)

Net Worth:
+33,503 (+1,110)

Credit Score:
Credit Karma scores:  788 TU / 757 Equifax
FICO score:  765
Chase Transunion: 788

Monthly notes:
– Capped off one more student loan!  Now down to the final high-interest loan (6.55 @ 7.3k) and a moderate interest loan (3.1 @ 4.5k).
– Credit scores took a dip due to a hard inquiry about a potential opening of a HELOC.  Grrr!  Don’t have enough equity yet in the home – need approx. 10% and we are at around 7%.
– CC balance will be paid in full.  This was a piece of furniture the fiance and I were saving up for for 5 weeks and now have enough to pay it off!

March Net Worth

Cash:
6,150

Roth IRA Basis:
8,331

401k:
Contribution Basis: 4,651
Company Match: 4,651
Total: 9,302

Pension:
$684

Motorcycle:
3,000

Truck:
4,500

Mustang:
1,000

Personal Assets:
12,000

Total Assets:
44,967 (+387)

“Liquid” Assets (cash, stock and retirement):
24,467 (+387)

Liabilities

Chase Freedom:
0

Chase Unlimited:
177

American Express:
43

Bank CC:
24

Student Loan:
Balance: 12,330

Total Liabilities:
12,574 (-626)

Net Worth:
+32,393 (+1,013)

Credit Score:
Credit Karma scores:  790 TU / 767 Equifax
FICO score:  771
Chase Transunion: 790