Sep-2017	Oct-2017	Nov-2017	Dec-2017	Jan-2018
Assets
Retirement	426,672.84	438,995.45	444,555.30	457,770.07	477,705.20
529college	17,214.84	17,872.05	18,155.43	18,828.16	19,853.29
Bank Accounts	40,419.20	38,914.60	42,484.08	43,357.97	41,353.08
Investments	15,237.29	16,771.70	17,219.82	18,323.18	19,844.21
Bonds	12,352.20	12,353.96	12,355.76	12,357.52	12,371.98
House	300,000.00	300,000.00	300,000.00	300,000.00	300,000.00
Total Assets	811,896.37	824,907.76	834,770.39	850,636.90	871,127.76
Liabilities	274,231.26	271,658.75	269,276.88	266,593.09	264,002.67
Net Worth	537,665.11	553,249.01	565,493.51	584,043.81	607,125.09
Change MoM	16,543.64	15,583.90	12,244.50	18,550.30	23,081.28

	Jul-2017	Aug-2017	Sep-2017	Oct-2017	Nov-2017
Assets
Retirement	414,399.51	415,837.16	426,672.84	438,995.45	444,555.30
529college	16,504.62	16,659.04	17,214.84	17,872.05	18,155.43
Bank Accounts	43,598.18	37,824.87	40,419.20	38,914.60	42,484.08
Investments	13,691.78	14,364.19	15,237.29	16,771.70	17,219.82
Bonds	12,121.30	12,329.26	12,352.20	12,353.96	12,355.76
House	300,000.00	300,000.00	300,000.00	300,000.00	300,000.00
Total Assets	800,315.39	797,014.52	811,896.37	824,907.76	834,770.39
Liabilities	278,831.28	275,893.05	274,231.26	271,658.75	269,276.88
Net Worth	521,484.11	521,121.47	537,665.11	553,249.01	565,493.51
Change MoM	-2,883.58	-362.64	16,543.64	15,583.90	12,244.50

	Jun-2017	Jul-2017	Aug-2017	Sep-2017	Oct-2017
Assets
Retirement	409,040.69	414,399.51	415,837.16	426,672.84	438,995.45
529college	16,274.92	16,504.62	16,659.04	17,214.84	17,872.05
Bank Accounts	52,334.20	43,598.18	37,824.87	40,419.20	38,914.60
Investments	15,172.88	13,691.78	14,364.19	15,237.29	16,771.70
Bonds	12,119.02	12,121.30	12,329.26	12,352.20	12,353.96
House	300,000.00	300,000.00	300,000.00	300,000.00	300,000.00
Total Assets	804,941.71	800,315.39	797,014.52	811,896.37	824,907.76
Liabilities	280,574.02	278,831.28	275,893.05	274,231.26	271,658.75
Net Worth	524,367.69	521,484.11	521,121.47	537,665.11	553,249.01
Change MoM	16,789.66	-2,883.58	-362.64	16,543.64	15,583.90

	May-2017	Jun-2017	Jul-2017	Aug-2017	Sep-2017
Assets
Retirement	401,553.35	409,040.69	414,399.51	415,837.16	426,672.84
529college	15,828.00	16,274.92	16,504.62	16,659.04	17,214.84
Bank Accounts	46,171.82	52,334.20	43,598.18	37,824.87	40,419.20
Investments	14,213.26	15,172.88	13,691.78	14,364.19	15,237.29
Bonds	12,117.44	12,119.02	12,121.30	12,329.26	12,352.20
House	300,000.00	300,000.00	300,000.00	300,000.00	300,000.00
Total Assets	789,883.87	804,941.71	800,315.39	797,014.52	811,896.37
Liabilities	282,305.84	280,574.02	278,831.28	275,893.05	274,231.26
Net Worth	507,578.03	524,367.69	521,484.11	521,121.47	537,665.11
Change MoM	14,461.84	16,789.66	-2,883.58	-362.64	16,543.64

Leaving behind the red of the last couple of months, we’ve scaled new heights this month. Total Assets are at all time high, Liabilities are all time low and Net Worth is over $537K.

Nothing special going on this month, except for the fact that there is no more day care payments to be made – we have a kindergartner! We save a tad over $1K every month in daycare costs, most of which is now being plowed into our outstanding mortgage, and some towards outstanding student loans.

Proclamation of new goal: To wipe out current balance of student loan of $23K by end of 2018!

	Apr-2017	May-2017	Jun-2017	Jul-2017	Aug-2017
Assets
Retirement	391,316.72	401,553.35	409,040.69	414,399.51	415,837.16
529college	15,378.18	15,828.00	16,274.92	16,504.62	16,659.04
Bank Accounts	44,260.80	46,171.82	52,334.20	43,598.18	37,824.87
Investments	13,378.60	14,213.26	15,172.88	13,691.78	14,364.19
Bonds	12,115.86	12,117.44	12,119.02	12,121.30	12,329.26
House	300,000.00	300,000.00	300,000.00	300,000.00	300,000.00
Total Assets	776,450.16	789,883.87	804,941.71	800,315.39	797,014.52
Liabilities	283,333.97	282,305.84	280,574.02	278,831.28	275,893.05
Net	493,116.19	507,578.03	524,367.69	521,484.11	521,121.47
Change	2,845.21	14,461.84	16,789.66	-2,883.58	-362.64

		Mar-2017	Apr-2017	May-2017	Jun-2017	Jul-2017
Assets
Retirement	387,058.50		391,316.72	401,553.35	409,040.69	414,399.51
529college	15,188.09		15,378.18	15,828.00	16,274.92	16,504.62
Bank Accounts	47,770.74		44,260.80	46,171.82	52,334.20	43,598.18
Investments	12,452.12		13,378.60	14,213.26	15,172.88	13,691.78
Bonds	12,114.12		12,115.86	12,117.44	12,119.02	12,121.30
House	300,000.00		300,000.00	300,000.00	300,000.00	300,000.00
Total Assets	774,583.57		776,450.16	789,883.87	804,941.71	800,315.39
Liabilities	284,312.59		283,333.97	282,305.84	280,574.02	278,831.28
Net	490,270.98		493,116.19	507,578.03	524,367.69	521,484.11
Change	14,974.27		2,845.21	14,461.84	16,789.66	-2,883.58

A few things happened this month that brought down our net worth month-over-month, for the first time since we starting tracking on this blog. We’re glad that it happened as the previous 5 months had spectacular results, which could have led to the (wrong) belief that it is smooth sailing all the time.

The “Bank Accounts” was the bucket that took the heaviest hit due a couple major expenses, and the “Investments” bucket had another significant outflow – all of which were anticipated and accounted for. 

The first was M’s tuition payment for the summer semester, which was $4,174. 

The second was payment of $2,200 for a hardscaping project for which we’ve been specifically saving for a year. There will be more spending on associated landscaping/hardscaping projects in the summer months.

The third was a payment of $1,578 to a clinic where W had undergone a procedure a couple of months back. This money came out of our HSA, which is part of our Investments bucket.

What is a good sign is that our Retirement bucket had significant inflow (which is not broken down in the chart above as we give the “final” number which is comprised of the gains and the contributions). Our debts also continue to go down.

Few points about this month:

– We had a hefty tax bill, largely in part due to the sale of our old place last year, which had been a rental since 2014. We were anticipating this.

– After substantial inflows into retirement accounts in February and March – a combination of bonuses, raises, and topping of Roth IRA for last year – April’s inflow should be norm for rest of the year. 

– Also keep in mind that these numbers are a snapshot of a particular day; we report the current balance on the account.