Sign Up | Login
Explore | Questions | Tips | Journals | My Portfolio | My Badge

Net Worth Archive for 2011

Net Worth Report for December 2011

Assets   $ Diff % Diff
Cash $7,900 ($11,400) -59.07 %
Stocks $454,000 $24,000 5.58 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $424,700 ($8,000) -1.85 %
Home $765,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $18,900 $0 0.00 %
Personal Property $0 $0 -
Other $173,800 $8,800 5.33 %
Total Assets $1,844,300 $13,400 0.73 %
Debts   $ Diff % Diff
Home Mortgage(s) $183,100 $0 0.00 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $183,100 $0 0.00 %
 
Net Worth $1,661,200 $13,400 0.81 %
Net Worth History Chart
Monthly Entry

Net Worth Report for November 2011

Assets   $ Diff % Diff
Cash $19,300 $3,200 19.88 %
Stocks $430,000 ($6,100) -1.40 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $432,700 ($23,500) -5.15 %
Home $765,000 ($46,500) -5.73 %
Other Real Estate $0 $0 -
Cars $18,900 ($700) -3.57 %
Personal Property $0 $0 -
Other $165,000 $5,600 3.51 %
Total Assets $1,830,900 ($68,000) -3.58 %
Debts   $ Diff % Diff
Home Mortgage(s) $183,100 ($7,000) -3.68 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $183,100 ($7,000) -3.68 %
 
Net Worth $1,647,800 ($61,000) -3.57 %
Net Worth History Chart
Monthly Entry
August 2010 Appraisal $735K. Zillow shows trending up to $800K over the past year. New appraisal shows $650K. New New (11/2012) shows $765K

Net Worth Report for October 2011

Assets   $ Diff % Diff
Cash $16,100 ($24,300) -60.15 %
Stocks $436,100 $41,700 10.57 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $456,200 $47,200 11.54 %
Home $811,500 $2,500 0.31 %
Other Real Estate $0 $0 -
Cars $19,600 ($2,500) -11.31 %
Personal Property $0 $0 -
Other $159,400 ($45,600) -22.24 %
Total Assets $1,898,900 $19,000 1.01 %
Debts   $ Diff % Diff
Home Mortgage(s) $190,100 ($800) -0.42 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $190,100 ($800) -0.42 %
 
Net Worth $1,708,800 $19,800 1.17 %
Net Worth History Chart
Monthly Entry

Net Worth Report for September 2011

Assets   $ Diff % Diff
Cash $40,400 $9,000 28.66 %
Stocks $394,400 $3,600 0.92 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $409,000 ($39,900) -8.89 %
Home $809,000 $11,700 1.47 %
Other Real Estate $0 $0 -
Cars $22,100 $0 0.00 %
Personal Property $0 $0 -
Other $205,000 $300 0.15 %
Total Assets $1,879,900 ($15,300) -0.81 %
Debts   $ Diff % Diff
Home Mortgage(s) $190,900 ($900) -0.47 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $190,900 ($900) -0.47 %
 
Net Worth $1,689,000 ($14,400) -0.85 %
Net Worth History Chart
Monthly Entry
Monthly Spending Report

Typical BDawg Delta $ Delta % % of Total
401k 1,000 1,375 (375) 38% 10%
House 3,050 3,735 (685) 22% 28%
Utilities 395 570 (175) 44% 4%
Insurance/Med 590 860 (270) 46% 6%
Food/Grocery 675 1,720 (1,045) 155% 13%
Car 825 415 410 (50%) 3%
Clothes 150 115 35 (23%) 1%
Entertainment 1,035 2,670 (1,635) 158% 20%
Charity 100 300 (200) 200% 2%
Savings - 1,675 (1,675) 12%
Total 7,820 13,430 (5,610) 72%
Yearly Total 93,840 161,163 (67,323)-

Notes:
Typical Spending courtesy of www.mybudget360.com.
House - Mort + Real Estate Tax + House Insurance + Maint + Household Items
Utilities - Gas + Electric + Phone + Cable + Internet + Cell
Insurance/Med - Car + Life + Disability + Health + Medical/Dental
Food/Grocery - Groceries + Food Out
Car - Car + Gas
Entertainment - Entertainment + Pet + Personal Care + Vacation + Gifts + Dry Clean + Kids School + Kids Camp + Kids Bus

Commentary:
Good News - Savings - just over 23%/$3K/month between Employee Stock Purchase Program ($1,675) and 401K ($1,375).
Bad News - trying to live on the 'Typical Spending' budget and not that close right now (69%). If we remove the 'extra savings & 401k' vs the typical budget, we're still 42% over spending.

Kids - Most of the excess Entertainment spending is on kids ($1k/month on school, after-school programs, camp etc).
Housing - Planning on refinancing to a 10-year (3.375%) and paying down the principal.

Net Worth Report for August 2011

Assets   $ Diff % Diff
Cash $31,400 ($2,100) -6.27 %
Stocks $390,800 ($23,800) -5.74 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $448,900 ($20,500) -4.37 %
Home $797,300 $5,900 0.75 %
Other Real Estate $0 $0 -
Cars $22,100 $0 0.00 %
Personal Property $0 $0 -
Other $204,700 $200 0.10 %
Total Assets $1,895,200 ($40,300) -2.08 %
Debts   $ Diff % Diff
Home Mortgage(s) $191,800 ($800) -0.42 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $191,800 ($800) -0.42 %
 
Net Worth $1,703,400 ($39,500) -2.27 %
Net Worth History Chart
Monthly Entry

Net Worth Report for July 2011

Assets   $ Diff % Diff
Cash $33,500 $100 0.30 %
Stocks $414,600 $17,200 4.33 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $469,400 $3,200 0.69 %
Home $791,400 ($6,600) -0.83 %
Other Real Estate $0 $0 -
Cars $22,100 $0 0.00 %
Personal Property $0 $0 -
Other $204,500 $1,100 0.54 %
Total Assets $1,935,500 $15,000 0.78 %
Debts   $ Diff % Diff
Home Mortgage(s) $192,600 ($800) -0.41 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $192,600 ($800) -0.41 %
 
Net Worth $1,742,900 $15,800 0.91 %
Net Worth History Chart
Monthly Entry

Net Worth Report for June 2011

Assets   $ Diff % Diff
Cash $33,400 $0 0.00 %
Stocks $397,400 $19,300 5.10 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $466,200 ($11,600) -2.43 %
Home $798,000 ($1,000) -0.13 %
Other Real Estate $0 $0 -
Cars $22,100 $300 1.38 %
Personal Property $0 $0 -
Other $203,400 $1,900 0.94 %
Total Assets $1,920,500 $8,900 0.47 %
Debts   $ Diff % Diff
Home Mortgage(s) $193,400 ($900) -0.46 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $193,400 ($900) -0.46 %
 
Net Worth $1,727,100 $9,800 0.57 %
Net Worth History Chart
Monthly Entry

Net Worth Report for May 2011

Assets   $ Diff % Diff
Cash $33,400 ($22,800) -40.57 %
Stocks $378,100 $13,100 3.59 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $477,800 ($9,800) -2.01 %
Home $799,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $21,800 $0 0.00 %
Personal Property $0 $0 -
Other $201,500 $1,100 0.55 %
Total Assets $1,911,600 ($18,400) -0.95 %
Debts   $ Diff % Diff
Home Mortgage(s) $194,300 ($800) -0.41 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $194,300 ($800) -0.41 %
 
Net Worth $1,717,300 ($17,600) -1.01 %
Net Worth History Chart
Monthly Entry

Net Worth Report for April 2011

Assets   $ Diff % Diff
Cash $56,200 ($800) -1.40 %
Stocks $365,000 $16,700 4.79 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $487,600 $26,300 5.70 %
Home $799,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $21,800 $400 1.87 %
Personal Property $0 $0 -
Other $200,400 $1,800 0.91 %
Total Assets $1,930,000 $44,400 2.35 %
Debts   $ Diff % Diff
Home Mortgage(s) $195,100 ($800) -0.41 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $195,100 ($800) -0.41 %
 
Net Worth $1,734,900 $45,200 2.68 %
Net Worth History Chart
Monthly Entry

Net Worth Report for March 2011

Assets   $ Diff % Diff
Cash $57,000 ($900) -1.55 %
Stocks $348,300 $34,000 10.82 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $461,300 $10,300 2.28 %
Home $799,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $21,400 $700 3.38 %
Personal Property $0 $0 -
Other $198,600 $16,500 9.06 %
Total Assets $1,885,600 $60,600 3.32 %
Debts   $ Diff % Diff
Home Mortgage(s) $195,900 ($800) -0.41 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $195,900 ($800) -0.41 %
 
Net Worth $1,689,700 $61,400 3.77 %
Net Worth History Chart
Monthly Entry
Cash - Put $15K (2010 Bonus + Cash) into 529 fund.
Stocks - Good news - New set of options vested ($22K). Bad news - Nearly 40% of my portfolio is in one stock (Options + ESPP).
Retirement - Go Market Go
Home - Zillow
Cars - 10.5 year old Acura and 5.5 year old Honda still going strong
Other - College Illinois for 3 kids and just setup 529 Fund.
Mortgage - 15 Year @ 4%. Six months in - long way to go...

Still spending too much, but maxing out 401K and ESPP (10% of salary).

Net Worth Report for February 2011

Assets   $ Diff % Diff
Cash $57,900 ($4,200) -6.76 %
Stocks $314,300 $13,800 4.59 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $451,000 $16,600 3.82 %
Home $799,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $20,700 ($500) -2.36 %
Personal Property $0 $0 -
Other $182,100 $1,300 0.72 %
Total Assets $1,825,000 $27,000 1.50 %
Debts   $ Diff % Diff
Home Mortgage(s) $196,700 ($900) -0.46 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $196,700 ($900) -0.46 %
 
Net Worth $1,628,300 $27,900 1.74 %
Net Worth History Chart
Monthly Entry

Net Worth Report for January 2011

Assets   $ Diff % Diff
Cash $62,100 $300 0.49 %
Stocks $300,500 $2,300 0.77 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $434,400 $400 0.09 %
Home $799,000 ($19,000) -2.32 %
Other Real Estate $0 $0 -
Cars $21,200 $0 0.00 %
Personal Property $0 $0 -
Other $180,800 $1,300 0.72 %
Total Assets $1,798,000 ($14,700) -0.81 %
Debts   $ Diff % Diff
Home Mortgage(s) $197,600 ($800) -0.40 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $197,600 ($800) -0.40 %
 
Net Worth $1,600,400 ($13,900) -0.86 %
Net Worth History Chart
Monthly Entry