Took me a little longer to post this. I did fill in the info at NetWorthIQ just didn't actually create a post here.

Assets $ Diff % Diff
Cash $1,153 ($257) -18.23 %
Retirement $27,357 ($600) -2.15 %
Cars $2,095 ($30) -1.41 %
Total Assets $30,605 ($887) -2.82 %

Debts $ Diff % Diff
Student Loans $35,444 ($114) -0.32 %
Credit Card $10,426 ($147) -1.39 %
Other $15,761 ($465) -2.87 %
Total Debts $61,631 ($726) -1.16 %

Net Worth ($31,026) ($161) -0.52 %

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2007 Goals Update:

1] Consumer debt down to $14,000. Currently at $26,187. Monthly amount of decrease needs to be $2,031 in order to meet this. Not happening this year but I can keep trying.

2] EF holding steady at $1,000. Currently at $763.29. Need to increase it by $40 each month to meet this.

3] Medical savings at least $500. Currently at $58.04. I pulled a good chunk of it out last month for dental and I have another bill to take care of next month so it's going to stay pretty steady at $0 essentially til perhaps September.

4] (Non monetary goal) Holding steady at my current goal weight. Still have 21 lbs to go. Need to loose 4 lbs a month to meet this.

In other news, I have a potential roommate coming by tonight. My first to actually respond. We'll see how that goes.

Assets $ Diff % Diff
Cash $1,410 ($59) -4.02 %
Retirement $27,957 $519 1.89 %
Cars $2,125 $0 0.00 %
Total Assets $31,492 $460 1.48 %

Debts $ Diff % Diff
Student Loans $35,558 ($113) -0.32 %
Credit Card $10,573 ($335) -3.07 %
Other $16,226 ($266) -1.61 %
Total Debts $62,357 ($714) -1.13 %

Net Worth ($30,865) $1,174 3.66 %

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2007 Goals Update:

1] Consumer debt down to $14,000. Currently at $29,799. Monthly amount of decrease needs to be $1,829 in order to meet this. Not happening this year but I can keep trying.

2] EF holding steady at $1,000. Currently at $746.10. Need to increase it by $37 each month to meet this.

3] Medical savings at least $500. Currently at $355.05 but I'll be pulling a good chunk out this month for Dental work so I'll be back to square one next month.

4] (Non monetary goal) Holding steady at my current goal weight. Still have 23 lbs to go. Need to loose 4 lbs a month to meet this.

Assets $ Diff % Diff
Cash $1,469 $188 14.68 %
Retirement $27,438 $1,098 4.17 %
Cars $2,125 ($180) -7.81 %
Total Assets $31,032 $1,106 3.70 %

Debts $ Diff % Diff
Student Loans $35,671 ($107) -0.30 %
Credit Card $10,908 $10,908 -
Other $16,492 ($15,039) -47.70 %
Total Debts $63,071 ($4,238) -6.30 %

Net Worth ($32,039) $5,344 14.30 %

Definately headed in the right direction this time...

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2007 Goals Update:

1] Consumer debt down to $14,000. Currently at $27,400. Monthly amount of decrease needs to be $1675 in order to meet this. I have my doubts about actually meeting this goal but still trying.

2] EF holding steady at $1,000. Currently at $862.12. Need to increase it by $18 each month to meet this.

3] Medical savings at least $500. Currently at $353.73. Need to increase it by $19 each month to meet this.

4] (Non monetary goal) Holding steady at my current goal weight. Currently I have 23 lbs to go. Need to loose 3 lbs a month to meet this.

Assets $ Diff % Diff
Cash $1,281 $147 12.96 %
Retirement $26,340 $943 3.71 %
Cars $2,305 $0 0.00 %
Total Assets $29,926 $1,090 3.78 %

Debts $ Diff % Diff
Student Loans $35,778 ($122) -0.34 %
Other $31,531 $5,475 21.01 %
Total Debts $67,309 $5,353 8.64 %

Net Worth ($37,383) ($4,263) -12.87 %

Things are a little bit in limbo right now. I did increase my debt by a little when I did the balance transfer but some of the funds are on hold still so it looks like more than it actually is. Next month will be a better snapshot.

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2007 Goals Update:

1] Consumer debt down to $14,000. Currently at $31,531. Going the wrong way right now. Monthly amount of decrease needs to be $1,948 to meet this. I am going to keep plugging away at this but I don't see it actually happening. *sigh*

2] EF holding steady at $1,000. Currently at $681.62. Need to increase it by $36 each month to meet this.

3] Medical savings at least $500. Currently at $267.54. Need to increase it by $26 each month to met this.

4] (non monetary goal) Holding steady at my current goal weight. Currently I have 24 lbs to go. Need to loose 3 lbs a month to meet this.

Assets $ Diff % Diff
Cash $1,134 $528 87.13 %
Retirement $25,397 ($248) -0.97 %
Cars $2,305 $0 0.00 %
Total Assets $28,836 $280 0.98 %

Debts $ Diff % Diff
Student Loans $35,900 ($106) -0.29 %
Credit Card $0 ($18,012) -
Other $26,056 $17,544 206.11 %
Total Debts $61,956 ($574) -0.92 %

Net Worth ($33,120) $854 2.51 %

Next month I'll be transferring some of the Other to a Credit Card at a lower interest rate but I'm waiting for that credit card to show a $0 balance before I do any balance transfer.



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2007 Goals Update:

1] Consumer debt down to 14,000. Currently at $26,056. Monthly amount of decrease needs to be $1,206 each month to meet this. Not looking so hot right now. Hopefully once the balance transfer goes through and goal #2 is met then that will help.

2] EF holding steady at $1,000. Currently at $723.60. Need to increase it by $28 each month to meet this. Not a problem so long as I don't have any emergencies come up. And for the record, I did this past month but my EF still increased, so rock on.

3] Medical savings at least $500. Currently $144.55. Need to increase it by $36 each month to meet this. Shouldn't be a problem, at least until I need to get my crown.

4] (non monetary goal) Holding steady at my current goal weight. Currently have 26 lbs to go. Need to loose 3 lbs a month to meet this. Shouldn't be a problem.

I haven't cashed the loan check yet, I plan on depositing it today. I expect there'll be a hold on it for a few days and then I'll pay off my credit card. That's exciting. My 401k has not transferred to the new company yet, but it's increasing so I'm not complaining too much.

Assets $ Diff % Diff
Cash $606 ($190) -23.87 %
Retirement $25,645 $327 1.29 %
Cars $2,305 $0 0.00 %
Total Assets $28,556 $137 0.48 %

Debts $ Diff % Diff
Student Loans $36,006 ($102) -0.28 %
Credit Card $18,012 ($142) -0.78 %
Other $8,512 ($168) -1.94 %
Total Debts $62,530 ($412) -0.65 %

Net Worth ($33,974) $549 1.59 %



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2007 goal update:

1] Consumer debt down to 14,000. Currently at $26,524. Monthly amount of decrease needs to be $1,138 each month to meet this. Not looking so hot right now. But it is going down.

2] EF holding steady at $1,000. Currently at $499.13. Need to increase it by $46 each month to meet this. Not a problem so long as I don't have any emergencies come up.

3] Medical savings at least $500. Currently a little over $100. Need to increase it by $37 each month to meet this. Shouldn't be a problem, at least until I need to get my crown.

4] (non monetary goal) Holding steady at my current goal weight. Currently have 30 lbs to go. Need to loose 3 lbs a month to meet this. Shouldn't be a problem.

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Brother officially turned in the paperwork for his GI Bill. The good news, he'll get backpay for every month he was in school from the time he started til it actually kicks in. That means he'll be able to pay me back in one lump sum. Of course, we need to actually get to that point but the office where he turned in his applicatino said the process has been streamlined and some people have been known to get theirs in 4-6 weeks. Worst case will be 2 months. That's better than 3 months like it used to be. Til then though we're going to be scrambling to make it. He has enough in his account to pay the second part of school this month. Im really hoping that his tax return will be large enough to get him through another month. And if we efile it should be here fast enough to cover for March. He's just waiting on one W2.

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Got $20 for babysitting last night. Will get $28 today paid back for buying concert tickets for people. $14 will go back to gas/food money the other $14 will go back in the bank. Plus $25 on Sunday for childcare. That's $59 to go back into the bank to help recover from what I spent on my glasses. My regular budget amount for medical, minus what I'll need for prescriptions, will pick up the rest of the slack so nothing else will be affected.

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I've done pretty well not spending too much cash or gas while parents are in town. Of course that is in part due to the fact that they insist on paying for things. But I do offer to pay my own share and I don't go crazy wth what I order.

Post #2 today.

I did my networth figures early by a couple of days so it won't include the little bit of interest I earned but that's ok. I took a step back with the money I pulled out to help my brother with but hopefully it'll be all downhill from here.

Assets $ Diff % Diff
Cash $796 $423 113.40 %
Retirement $25,318 $491 1.98 %
Cars $2,305 $0 0.00 %
Total Assets $28,419 $914 3.32 %

Debts $ Diff % Diff
Student Loans $36,108 ($110) -0.30 %
Credit Card $18,154 $1,607 9.71 %
Other $8,680 ($169) -1.91 %
Total Debts $62,942 $1,328 2.16 %

Net Worth ($34,523) ($414) -1.21 %

And here's my nifty graph:

I plugged in all the numbers this morning before I left for work but didn't have time to post them til now. I'm pretty pleased with being down another $1k in debt. Wow, it really blows me away to look at it in the big picture. So here's my numbers this month:

Assets $ Diff % Diff
Cash $373 ($268) -41.81 %
Retirement $24,827 $651 2.69 %
Cars $2,305 $0 0.00 %
Total Assets $27,505 $383 1.41 %

Debts $ Diff % Diff
Student Loans $36,218 ($94) -0.26 %
Credit Card $16,547 ($783) -4.52 %
Other $8,849 ($164) -1.82 %
Total Debts $61,614 ($1,041) -1.66 %

Net Worth ($34,109) $1,424 4.01 %

And I'm going to try and post the graph here, we'll see if it works.

I'd already updated my sidebar totals this morning but here's my Net Worth report for October:

Net Worth Report for October 2006
Assets $ Diff % Diff
Cash $641 $129 25.20 %
Retirement $24,176 $837 3.59 %
Cars $2,305 ($50) -2.12 %
Total Assets $27,122 $916 3.50 %

Debts $ Diff % Diff
Student Loans $36,312 ($116) -0.32 %
Credit Card $17,330 ($580) -3.24 %
Other $9,013 ($165) -1.80 %
Total Debts $62,655 ($861) -1.36 %

Net Worth ($35,533) $1,777 4.76 %

I'm pretty pleased with the result. Now if I can just keep at it. Though I am anticipating a bite to savings this next month I also know some of my debt will be reduced faster because of other factors. So it should balance out.

I'm trying to figure out if I can transfer my 401k to an IRA or a Roth IRA. Because I'm still working for this employer, I'm not sure I can. And I'm worried about the tax consequences. So we'll see.

I've also decided that every payday I'm going to pull out from my change jars 3 quarters, 2 dimes, 1 nickel, and 4 pennies to put in my car's ashtray. Because I pay cash for gas I like to have exact change. In Oregon you can't pump you're own gas and many of the stations I frequent the attendant is also the cashier (ie they wander around with wads of cash). Since I don't want them to top off, I want to make sure I can give them exact change. Once my ashtray fills completely then I'll stop doing that but until then I would rather be safe than sorry.

After a little bit of confusion (and entering Septembers data into August, temporarily overwriting it) I now have my Net Worth IQ statement for September. I'm looking forward to October, and even more to November, when I actually start paying more than just interest on my high student loan.

At least the dreaded timeshare is gone, that helps!

Assets $ Diff % Diff
Cash $512 $194 61.01 %
Retirement $23,339 $528 2.31 %
Cars $2,355 ($25) -1.05 %
Total Assets $26,206 $697 2.73 %

Debts $ Diff % Diff
Student Loans $36,428 ($34) -0.09 %
Credit Card $17,910 ($130) -0.72 %
Other $9,178 ($7,792) -45.92 %
Total Debts $63,516 ($7,956) -11.13 %

Net Worth ($37,310) $8,653 18.83 %

This looks worse than it actually is. Really. Credit cards went up significantly because of the balance transfer loan I did for my step brother. He's in the process of paying me back so that'll give me extra to pay it down faster. Also my time share transfer has not officially gone through yet. It will go through next month. Once it does, $7600 will be gone from my responsibility to pay back. Also with the whole Student Loan mixup I'm still just only paying interest on my big loan. Once that gets caught up my student loans will start decreasing faster.

Assets $ Diff % Diff
Cash $318 ($14) -4.22 %
Retirement $22,811 $864 3.94 %
Cars $2,380 ($75) -3.05 %
Total Assets $25,509 $775 3.13 %

Debts $ Diff % Diff
Student Loans $36,462 ($31) -0.08 %
Credit Card $18,040 $2,520 16.24 %
Other $16,970 ($267) -1.55 %
Total Debts $71,472 $2,222 3.21 %

Net Worth ($45,963) ($1,447) -3.25 %

Not really sure how to make this pretty but you get the idea. I'm just excited it improved a bit, even if my retirement fund went down. Darn stock market.

Assets $ Diff % Diff
Cash $332 ($71) -17.62 %
Retirement $21,947 ($226) -1.02 %
Cars $2,455 $75 3.15 %
Total Assets $24,734 ($222) -0.89 %

Debts $ Diff % Diff
Student Loans $36,493 ($548) -1.48 %
Credit Card $15,520 ($111) -0.71 %
Other $17,237 ($228) -1.31 %
Total Debts $69,250 ($887) -1.26 %

Net Worth ($44,516) $665 1.47 %

I found first quarter's retirement savings statement, which had the web site that I could go to and see what my current balance is. So I updated my NetWorthIQ for June with June 30th's figures.

Assets
Cash 403
Retirement 22,173
Cars 2,380
Total Assets 24,956

Debts
Student Loans 37,041
Credit Card 15,631
Other 17,465
Total Debts 70,137
Net Worth $-45,181

The sad thing is, the difference between June 30th's retirement savings amount and right now is negative. Darn stock market. Ah well. Doesn't really change the Total Debts figure but makes me feel a little better about my total net worth. I'm curious to see what July ends up with, and just to track this in general.