Better late than never! Here's what October looked like in terms of expenses and income:
My income from salary and interest was about $8,512.
Expenses were as follows:
|Gym & Fitness||$1,339|
Clothing looks outrageously high because I ordered a few pairs of boots from Zappos that I ended up returning, with the credit showing up in November. Gym & Fitness is high because I renewed my gym membership for a full year. With several free months tacked on, I now won't need to pay for this again until sometime in 2012. Home insurance is another yearly bill that happened to come due this month. Business expense is a reimbursement of things I paid for over the course of several months.
The net effect of these odd expenses, plus routine things being slightly higher than usual, was that I saved no money this month! I was in the red by about $448.
As for my net worth:
It's approximately $458,780, up $10,718 / 2.39% from last month. One major change is that I moved some money from a savings account into my E*Trade investment account. You can see the higher credit card balance here too, which should correct itself next month (and of course, as always, I pay it in full every month anyway). I haven't made any more adjustments to my home equity, but I feel pretty good about where it's at based on some recent sales data I've seen in my neighborhood. Of course, there aren't tons of sales to base things on lately, so I continue to think of that number as being a rough ballpark estimate.
|Cash and Bank Accounts||$ 69,355||$ 45,665|
|Retirement Accounts||$ 272,805||$ 282,052|
|Stocks & Mutual Funds||$ 22,236||$ 49,780|
|Bonds||$ 5,091||$ 5,091|
|Credit Cards||$ (2,915)||$ (5,664)|
|Home Equity||$ 81,490||$ 81,856|
|TOTAL||$ 448,062||$ 458,780|
So the good news is that I've surpassed my net worth goal for the end of the year already. In November, I'll also add $15,000 I inherited from Great Aunt Minnie, so I'm hoping that even if the market is down somewhat, I can still beat my net worth goal. Onward and upward!