I've fallen behind on my monthly recaps-- the last one was for June, so today I'll just catch up by doing a summary for July-September.
I got some retroactive pay relating to my recent raise, so my income was high this quarter:
Interest Income $87
Other Income (employer 401k contributions) $775
|Outflows - Other||$80|
Housing was lower than usual as I got a refund of over-escrowed property taxes
Dining and Travel are a bit out of whack because I took a 10-day vacation with Sweetie, and we still haven't worked out who owes whom what. But it was a relatively cheap vacation since I got the tickets with frequent flyer miles.
Miscellaneous includes a few hundred dollars spent on some prints during the trip, one of which was for Sweetie.
The business expense is for work and will be reimbursed.
I was surprised to see that Clothing was so high, but then I remembered that I'd bought some shirts and a dress that cost almost $150. It's funny, I never wear dresses but I saw that one and just had to have it! Now I need an occasion at which to wear it...
Outflows Other was the fee for renewing my driver's license, which I'd forgotten to categorize.
My net savings for the 3 months were $9,938, more than a third of my gross income.
As for net worth, as of the end of September, it was $448,062, an increase of $40,883, or about 10% from the end of June.
Cash, CDs, Bank Accounts: $69,355
Stocks/Mutual Funds (non-retirement): $22,236
Retirement Accounts (401k and Roth IRA): $272,805
Home Equity: $81,490
Credit Card (paid in full every month): $2,915
I'm starting to feel too cash-heavy again. I need to shift some more money into more aggressive investments, but I've been lazy about doing my research. Part of me wants to invest in some individual blue-chip stocks again if I can find some that seem undervalued, but the other part of me remembers that I've had mixed luck with that in the past, and thinks I should just go with some more Vanguard funds!
And as usual, home equity is a rough estimate. I decreased my valuation back in June, and occasionally see other stats that make me think I could raise it a wee bit again, but I'm not going to worry too much about it. I have wondered if I should re-finance my mortgage, though...
Anyway, the numbers are all pretty good-- the important thing is that I'm controlling what I can control and consistently adding to my savings, even though I've been sort of on financial auto-pilot for the last few months. But it's time to dig a little deeper into the investing side of things again, to make sure I'm using my savings well. Onwards and upwards!