Wow! 20% on the stocks! I'm very pleased with them. We didn't add any "new money" to them - that's just how good the return was. Even the 401K account returned 8%, not including contributions made, of course.
New for this month (and edited for Oct-March since those were the only months we used margin): I am not listing margin debt as a separate debt, since it changes too often within the brokerage account and does not give me a good one-glance look at how our stocks are doing. Instead I'm just taking our stock total and subtracting whatever is owed on margin at that moment. That's what you see in the "stocks" category. It's whatever we have that could be liquidated any time (meaning our stock value minus the loan we'd have to pay to get out.)
I also un-complicated our "retirement" section (which was already complicated enough because I don't put our Roths in there, but rather in the stocks section for reasons of my own) by taking out a pension of 10,000 that does not change and putting it under "annuities" even though it's not exactly that. This way I can see what progress the 401K is making, which is the only thing now represented by "retirement."
We did not run up that much cc debt. I believe I miscalculated it last month. It's still too much cc debt, but it's less than it was two months ago. It should be more accurately tracked from now on since we shook up our cards, paid a large amount down, and do not use certain cards anymore.
New for this month (and edited for Oct-March since those were the only months we used margin): I am not listing margin debt as a separate debt, since it changes too often within the brokerage account and does not give me a good one-glance look at how our stocks are doing. Instead I'm just taking our stock total and subtracting whatever is owed on margin at that moment. That's what you see in the "stocks" category. It's whatever we have that could be liquidated any time (meaning our stock value minus the loan we'd have to pay to get out.)
I also un-complicated our "retirement" section (which was already complicated enough because I don't put our Roths in there, but rather in the stocks section for reasons of my own) by taking out a pension of 10,000 that does not change and putting it under "annuities" even though it's not exactly that. This way I can see what progress the 401K is making, which is the only thing now represented by "retirement."
We did not run up that much cc debt. I believe I miscalculated it last month. It's still too much cc debt, but it's less than it was two months ago. It should be more accurately tracked from now on since we shook up our cards, paid a large amount down, and do not use certain cards anymore.
