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Net Worth Archive for 2012

Net Worth Report for December 2012

Assets   $ Diff % Diff
Cash $32,172 ($3,378) -9.50 %
Stocks $252,782 $10,196 4.20 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,254,440 $6,400 0.51 %
Home $970,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,509,994 $13,218 0.53 %
Debts   $ Diff % Diff
Home Mortgage(s) $17,078 ($2,130) -11.09 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $17,078 ($2,130) -11.09 %
 
Net Worth $2,492,916 $15,348 0.62 %
Net Worth History Chart
Monthly Entry
The UK stock market (FTSE 100) finished the year well at just below 6000 points, so returns on stock ISAs were good.

Will be selling some shares (stock) in January to help pay for Christmas though!

Overall, 2012 was a good year financially, and with family healthy and happy I know that we are very fortunate.

Expect to be saving less in 2013 due to cut in company allowances (I will have c$1,000 nett pcm less from January).

A happy New Year to all

David

29 December 2012

Net Worth Report for November 2012

Assets   $ Diff % Diff
Cash $35,550 ($1,868) -4.99 %
Stocks $242,586 $3,878 1.62 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,248,040 $6,400 0.52 %
Home $970,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,496,776 $8,410 0.34 %
Debts   $ Diff % Diff
Home Mortgage(s) $19,208 ($2,142) -10.03 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $19,208 ($2,142) -10.03 %
 
Net Worth $2,477,568 $10,552 0.43 %
Net Worth History Chart
Monthly Entry
My Investments appear to be holding steady - though this is often the case in the lead up to the Festive break. Mortgage now below $20k for first time ever, and on target for pay off late summer.

On a personal front, I am looking forward to a week long business trip to Washington DC first week in December. In general, my own business appears to be settling down after a recent c20% reduction in staff. Here's hoping for some big orders as we approach year end.




David
30 November 2012

Net Worth Report for October 2012

Assets   $ Diff % Diff
Cash $37,418 ($4,298) -10.30 %
Stocks $238,708 $4,546 1.94 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,241,640 $6,400 0.52 %
Home $970,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,488,366 $6,648 0.27 %
Debts   $ Diff % Diff
Home Mortgage(s) $21,350 ($2,116) -9.02 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $21,350 ($2,116) -9.02 %
 
Net Worth $2,467,016 $8,764 0.36 %
Net Worth History Chart
Monthly Entry
A good month all round for stocks & ISAs...except for my (small)direct holding in BG Group which fell by 20% in a week.

My portfolio of shares is limited to FOUR businesses (BP, Diageo, BG Group and my employer) and has a value of c$36k, with c70% comprising shareholdings in my employer via save as you earn.

As my holdings mature (ie free from UK tax) I plan to sell employer shares and build into my ISA holdings.

I currently have c$262k invested in ISAs, split c$202k share ISA and c$60k cash ISA.


David
3 November 2012

Net Worth Report for September 2012

Assets   $ Diff % Diff
Cash $41,716 ($1,444) -3.35 %
Stocks $234,162 $9,494 4.23 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,235,240 $6,400 0.52 %
Home $970,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,481,718 $14,450 0.59 %
Debts   $ Diff % Diff
Home Mortgage(s) $23,466 ($2,126) -8.31 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $23,466 ($2,126) -8.31 %
 
Net Worth $2,458,252 $16,576 0.68 %
Net Worth History Chart
Monthly Entry
Stocks bounced back a litte this month, but cash has ben hit due to my daughter's 21st celebrations. We held a ceilidh (pronounced 'kay-lee'- google it - worth a look!) in Edinburgh (where she is studying)-let's just say that there is a financial hit this month and next...and leave it at that.

It was a great night with around 200 friends (and some family) dancing to traditional Scottish music...with me in the full kilt to mark the occassion.

David
28 September 2012

Net Worth Report for August 2012

Assets   $ Diff % Diff
Cash $43,160 ($5,944) -12.10 %
Stocks $224,668 ($2,430) -1.07 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,228,840 $22,765 1.89 %
Home $970,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,467,268 $14,391 0.59 %
Debts   $ Diff % Diff
Home Mortgage(s) $25,592 ($2,142) -7.72 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $25,592 ($2,142) -7.72 %
 
Net Worth $2,441,676 $16,533 0.68 %
Net Worth History Chart
Monthly Entry
A fairly poor month. Stocks appear to be steady, but this is masked by the $1200 invetment in stocks made this month. Cash going down after a number of 'one off' costs (inc house decoration)...but the mortgage keeps walking down to pay off next summer as planned!

David
31 August 2012

Net Worth Report for July 2012

Assets   $ Diff % Diff
Cash $49,104 ($2,658) -5.14 %
Stocks $227,098 $9,810 4.51 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,206,075 $6,345 0.53 %
Home $970,000 ($50,000) -4.90 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,452,877 ($36,503) -1.47 %
Debts   $ Diff % Diff
Home Mortgage(s) $27,734 ($2,108) -7.06 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $27,734 ($2,108) -7.06 %
 
Net Worth $2,425,143 ($34,395) -1.40 %
Net Worth History Chart
Monthly Entry
A costly month...balance of vacation costs came through (flights) with car hire next month. Have downvalued home value by $50k due to neighbour's house sale being lower than expected. Costs of decorating hallway ($900) and younger daughter's exam successes (paid out $1500 due to her straight A grades) meant further hit. Stocks generally holding steady.
Plan is to really tighten the belt between now and Christmas....
David
05 August 2012

Net Worth Report for June 2012

Assets   $ Diff % Diff
Cash $51,762 ($8,448) -14.03 %
Stocks $217,288 $9,984 4.82 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,199,730 $6,345 0.53 %
Home $1,020,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,489,380 $7,881 0.32 %
Debts   $ Diff % Diff
Home Mortgage(s) $29,842 ($2,116) -6.62 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $29,842 ($2,116) -6.62 %
 
Net Worth $2,459,538 $9,997 0.41 %
Net Worth History Chart
Monthly Entry
Stocks showing slight improvement, but dent this month comes down to costs due to daughter's 21st, our 25th wedding anniversary and summer vacation payment (we travel late July)...all being paid for at the same time!

David
29 June 2012

Net Worth Report for May 2012

Assets   $ Diff % Diff
Cash $60,210 $516 0.86 %
Stocks $207,304 ($51,896) -20.02 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,193,385 $12,689 1.07 %
Home $1,020,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,481,499 ($38,691) -1.54 %
Debts   $ Diff % Diff
Home Mortgage(s) $31,958 ($42,752) -57.22 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $31,958 ($42,752) -57.22 %
 
Net Worth $2,449,541 $4,061 0.17 %
Net Worth History Chart
Monthly Entry
Stocks going slightly backwards....the rest of our finances have changed around as endowment has matured and mortgage is now a lot less. Plan remains to pay off mortgage in full next summer...just in time to redivert funds to my second daughter as she starts Uni in September 2013. The BIG challenge is over the two Uni years 2013 - 2015 when BOTH my daughters will need funded. Painfull!!!

David
1 June 2012

Net Worth Report for April 2012

Assets   $ Diff % Diff
Cash $59,694 ($1,184) -1.94 %
Stocks $259,200 $740 0.29 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,180,696 $6,345 0.54 %
Home $1,020,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,520,190 $5,901 0.23 %
Debts   $ Diff % Diff
Home Mortgage(s) $74,710 ($1,952) -2.55 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $74,710 ($1,952) -2.55 %
 
Net Worth $2,445,480 $7,853 0.32 %
Net Worth History Chart
Monthly Entry
A fairly flat month, though stock markts are going backwards a little. In the process of part paying off our mortgage and consolidating our cash ISAs - spring cleaning rather than fundamental changes to our over all nett worth....

David
5 May 2012

Net Worth Report for March 2012

Assets   $ Diff % Diff
Cash $60,878 $24,878 69.11 %
Stocks $258,460 ($2,000) -0.77 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,174,351 $6,000 0.51 %
Home $1,020,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,514,289 $28,878 1.16 %
Debts   $ Diff % Diff
Home Mortgage(s) $76,662 ($2,000) -2.54 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $76,662 ($2,000) -2.54 %
 
Net Worth $2,437,627 $30,878 1.28 %
Net Worth History Chart
Monthly Entry
Stock market flat but Cash increased in the month due to bonus in March. Plan to move to ISAs (Stocks and cash) in the next month. On track to have mortgage fully paid off by summer 2013...just in time to start paying my younger daughter's Uni costs. Great life isn't it...??

David
31 March 2012

Net Worth Report for February 2012

Assets   $ Diff % Diff
Cash $36,000 $656 1.86 %
Stocks $260,460 $8,916 3.54 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,168,351 $7,099 0.61 %
Home $1,020,000 ($20,000) -1.92 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,485,411 ($3,329) -0.13 %
Debts   $ Diff % Diff
Home Mortgage(s) $78,662 ($1,992) -2.47 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $78,662 ($1,992) -2.47 %
 
Net Worth $2,406,749 ($1,337) -0.06 %
Net Worth History Chart
Monthly Entry
Stock market improving.

David
3/3/12

Net Worth Report for January 2012

Assets   $ Diff % Diff
Cash $35,344 ($1,894) -5.09 %
Stocks $251,544 $15,062 6.37 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $1,161,252 $6,299 0.55 %
Home $1,040,000 $0 0.00 %
Other Real Estate $0 $0 -
Cars $600 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,488,740 $19,467 0.79 %
Debts   $ Diff % Diff
Home Mortgage(s) $80,654 ($1,992) -2.41 %
Other Mortgage(s) $0 $0 -
Student Loans $0 $0 -
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $80,654 ($1,992) -2.41 %
 
Net Worth $2,408,086 $21,459 0.90 %
Net Worth History Chart
Monthly Entry

Slight stock market recovery in Jan 2012...though partially offset by Christmas bills due!

David
27 Jan 2012