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Net Worth Archive for 2008

Net Worth Report for December 2008

Assets   $ Diff % Diff
Cash $1,670 ($1,406) -45.71 %
Stocks $6 ($2) -25.00 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $36 $5 16.13 %
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,100 ($50) -2.33 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $3,812 ($1,453) -27.60 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $42,220 ($1,447) -3.31 %
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $42,220 ($1,447) -3.31 %
 
Net Worth ($38,408) ($6) -0.02 %
Net Worth History Chart
Monthly Entry
Cash balance is calculated as the total of my checking and savings accounts minus the credit card that I pay off in full each month.

Net Worth Report for November 2008

Assets   $ Diff % Diff
Cash $3,076 $1,505 95.80 %
Stocks $8 ($1) -11.11 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $31 $5 19.23 %
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,150 ($50) -2.27 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $5,265 $1,459 38.33 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $43,667 $3,346 8.30 %
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $43,667 $3,346 8.30 %
 
Net Worth ($38,402) ($1,887) -5.17 %
Net Worth History Chart
Monthly Entry
Cash balance is calculated as the total of my checking and savings accounts minus the credit card that I pay off in full each month.

Net Worth Report for October 2008

Assets   $ Diff % Diff
Cash $1,571 $177 12.70 %
Stocks $9 ($6) -40.00 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $26 $5 23.81 %
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,200 ($50) -2.22 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $3,806 $126 3.42 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $40,321 $49 0.12 %
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $40,321 $49 0.12 %
 
Net Worth ($36,515) $77 0.21 %
Net Worth History Chart
Monthly Entry
Cash balance is calculated as the total of my checking and savings accounts minus the credit card that I pay off in full each month.

Net Worth Report for September 2008

Assets   $ Diff % Diff
Cash $1,394 $680 95.24 %
Stocks $15 ($1) -6.25 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $21 $5 31.25 %
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,250 ($50) -2.17 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $3,680 $634 20.81 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $40,272 $3,369 9.13 %
Credit Card $0 $0 -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $40,272 $3,369 9.13 %
 
Net Worth ($36,592) ($2,735) -8.08 %
Net Worth History Chart
Monthly Entry
Cash balance is calculated as the total of my checking and savings accounts minus the credit card that I pay off in full each month.

Net Worth Report for August 2008

Assets   $ Diff % Diff
Cash $714 $502 236.79 %
Stocks $16 $1 6.67 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $16 $16 -
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,300 ($50) -2.13 %
Personal Property $0 $0 -
Other $0 ($112) -
Total Assets $3,046 $357 13.28 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $36,903 $43 0.12 %
Credit Card $0 ($126) -
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $36,903 ($83) -0.22 %
 
Net Worth ($33,857) $440 1.28 %
Net Worth History Chart
Monthly Entry
New:
Retirement account - money sitting in savings for retirement until I've saved up enough to buy a Vanguard index fund
Credit card - paid off!

Cash balance is calculated as the total of my checking and savings accounts minus the credit card that I pay off in full each month.

Net Worth Report for July 2008

Assets   $ Diff % Diff
Cash $212 $15 7.61 %
Stocks $15 $1 7.14 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $0 $0 -
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,350 ($50) -2.08 %
Personal Property $0 $0 -
Other $112 $11 10.89 %
Total Assets $2,689 ($23) -0.85 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $36,860 $82 0.22 %
Credit Card $126 ($408) -76.40 %
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $36,986 ($326) -0.87 %
 
Net Worth ($34,297) $303 0.88 %
Net Worth History Chart
Monthly Entry
Other Assets: Money owed to me

Money that's set aside in a special savings account for paying off my credit card is counted against the credit card balance. Also, money on my second credit card, which is paid off in full each month, is counted against cash.

Therefore, the credit card balance is my first card, minus the total of my special savings account. Cash is the total of all my other cash accounts, minus my second credit card balance.

Net Worth Report for June 2008

Assets   $ Diff % Diff
Cash $197 ($144) -42.23 %
Stocks $14 ($1) -6.67 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $0 $0 -
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,400 ($50) -2.04 %
Personal Property $0 $0 -
Other $101 $101 -
Total Assets $2,712 ($94) -3.35 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $36,778 $251 0.69 %
Credit Card $534 ($276) -34.07 %
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $37,312 ($25) -0.07 %
 
Net Worth ($34,600) ($69) -0.20 %
Net Worth History Chart
Monthly Entry
Other Assets: Money owed to me (I paid the deposit for a group camping trip)

Money that's set aside in a special savings account for paying off my credit card is counted against the credit card balance. Also, money on my second credit card, which is paid off in full each month, is counted against cash.

Therefore, the credit card balance is my first card, minus the total of my special savings account. Cash is the total of all my other cash accounts, minus my second credit card balance.

Net Worth Report for May 2008

Assets   $ Diff % Diff
Cash $341 $96 39.18 %
Stocks $15 ($3) -16.67 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $0 $0 -
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,450 ($50) -2.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,806 $43 1.56 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $36,527 $86 0.24 %
Credit Card $810 ($352) -30.29 %
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $37,337 ($266) -0.71 %
 
Net Worth ($34,531) $309 0.89 %
Net Worth History Chart
Monthly Entry
Money that's set aside in a special savings account for paying off my credit card is counted against the credit card balance. Also, money on my second credit card, which is paid off in full each month, is counted against cash.

Therefore, the credit card balance is my first card, minus the total of my special savings account. Cash is the total of all my other cash accounts, minus my second credit card balance.

Net Worth Report for April 2008

Assets   $ Diff % Diff
Cash $245 $67 37.64 %
Stocks $18 $0 0.00 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $0 $0 -
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,500 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,763 $67 2.49 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $36,441 $0 0.00 %
Credit Card $1,162 ($76) -6.14 %
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $37,603 ($76) -0.20 %
 
Net Worth ($34,840) $143 0.41 %
Net Worth History Chart
Monthly Entry
Money that's set aside in a special savings account for paying off my credit card is counted against the credit card balance. Also, money on my second credit card, which is paid off in full each month, is counted against cash.

Therefore, the credit card balance is my first card, minus the total of my special savings account. Cash is the total of all my other cash accounts, minus my second credit card balance.

Net Worth Report for March 2008

Assets   $ Diff % Diff
Cash $178 ($202) -53.16 %
Stocks $18 $1 5.88 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $0 $0 -
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,500 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,696 ($201) -6.94 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $36,441 $3,559 10.82 %
Credit Card $1,238 ($191) -13.37 %
Car Loans $0 $0 -
Other $0 $0 -
Total Debts $37,679 $3,368 9.82 %
 
Net Worth ($34,983) ($3,569) -11.36 %
Net Worth History Chart
Monthly Entry
Money that's set aside in a special savings account for paying off my credit card is counted against the credit card balance. Also, money on my second credit card, which is paid off in full each month, is counted against cash.

Therefore, the credit card balance is my first card, minus the total of my special savings account. Cash is the total of all my other cash accounts, minus my second credit card balance.

Net Worth Report for February 2008

Assets   $ Diff % Diff
Cash $380 ($195) -33.91 %
Stocks $17 ($3) -15.00 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $0 $0 -
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,500 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $2,897 ($198) -6.40 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $32,882 $0 0.00 %
Credit Card $1,429 ($412) -22.38 %
Car Loans $0 $0 -
Other $0 ($62) -
Total Debts $34,311 ($474) -1.36 %
 
Net Worth ($31,414) $276 0.87 %
Net Worth History Chart
Monthly Entry
Doing things a little differently this month, to try and reflect my accounts as accurately as possible.

Money that's set aside in a special savings account for paying off my credit card is counted against the credit card balance. Also, money on my second credit card, which is paid off in full each month, is counted against cash.

Therefore, the credit card balance is my first card, minus the total of my special savings account. Cash is the total of all my other cash accounts, minus my second credit card balance.

Net Worth Report for January 2008

Assets   $ Diff % Diff
Cash $575 $188 48.58 %
Stocks $20 ($2) -9.09 %
Bonds $0 $0 -
Annuities $0 $0 -
Retirement $0 $0 -
Home $0 $0 -
Other Real Estate $0 $0 -
Cars $2,500 $0 0.00 %
Personal Property $0 $0 -
Other $0 $0 -
Total Assets $3,095 $186 6.39 %
Debts   $ Diff % Diff
Home Mortgage(s) $0 $0 -
Other Mortgage(s) $0 $0 -
Student Loans $32,882 $0 0.00 %
Credit Card $1,841 $449 32.26 %
Car Loans $0 $0 -
Other $62 $62 -
Total Debts $34,785 $511 1.49 %
 
Net Worth ($31,690) ($325) -1.04 %
Net Worth History Chart
Monthly Entry
Other Debts: Check written but not yet cashed by other party

Note on Credit Cards: This balance has yes, jumped considerably. While a lot of it can be attributed to putting car repairs on my card, the rest is actually a "fake jump." Since I managed to clear the balance on one of my cards, I'm now using that card and paying off the entire balance every month. The "fake jump" is the balance that is sitting on the card, waiting for me to pay it off at the end of the statement period.