Sunday, March 17, 2013
Extra Cash Challenge - February results
Wow, another month already half way done! Here are my results for my extra cash challenge for February.
Advertising: $173.16
Amazon: $55.66
ING/Capital One 360: $11.02
Lending Club: $1.12
Part-time job: $12.13
Total: $253.09
Difference from last month: -$22.75
I'm happy to see I still made a decent amount of extra money last month. This month isn't looking as good though, so I better step it up! I just found out I might be taking a last minute vacation to Florida in a week - so it would be nice to make some extra money to help pay for it!
Saturday, February 16, 2013
Extra cash challenge - January results
Here are my results for my extra cash challenge for January.
Advertising: $242.04
Amazon: $4.13
ING/Capital One 360: $11.19
Lending Club: $1.51
Part-time job: $16.97
Total: $275.84
Difference from last month: +$148.58
Good news is I more than doubled December's numbers. Most of that was luck with the advertising, but sometimes finances are a little about luck!
Advertising: $242.04
Amazon: $4.13
ING/Capital One 360: $11.19
Lending Club: $1.51
Part-time job: $16.97
Total: $275.84
Difference from last month: +$148.58
Good news is I more than doubled December's numbers. Most of that was luck with the advertising, but sometimes finances are a little about luck!
Saturday, January 19, 2013
Net worth update - First quarter 2013
Every 3 months or so I like to take a look at my overall finances and see how I'm doing. The goal is to have a greater net worth every time I check on it. Here are my numbers as of today.
Assets:
Approximate value of our house: $169,524* (Down $2,382)
Roth IRA: $26,309 (Up $1,051)
Simple IRA: $5,229 (Down $98)
Regular IRA: $1,523 (Up $549)
Lending Club: $206 (Up $104)
Savings (including emergency fund): $19,725 (Up $4,649)
Total assets: $222,516 (Up $3873)
Liabilities:
Mortgage: $177,940 (Down $1,490)
Total net worth: $44,576
Difference since last quarter: +$5,363
*Estimation from Zillow
So, as you can see I did reach my goal of increasing my net worth since I last checked it in October. I'm a little disappointed to see that the house value continues to drop. It's disappointing to see that we still owe over $8,000 more than the house is "worth". However, that is just an internet estimate, so I try not to be too bummed out about it because it might not be accurate.
I'm happy to see that my savings are nearing the $20,000 mark again. As of now, I think our next big purchase will be to replace our 2001 Ford Ranger. My husband says he can drive it for a few more years, but I have a feeling the moment a major repair is needed, he'll want to look for a new truck. As of now, I have about $11,000 of the savings ear marked for the truck replacement. I think trucks as usually a bit more expensive than cars, so I'm thinking I may want to have as much as $25,000 saved up. Hopefully we spend less. We are also thinking about where we would like to go on vacation this year, so I should start setting aside money for that as well.
Assets:
Approximate value of our house: $169,524* (Down $2,382)
Roth IRA: $26,309 (Up $1,051)
Simple IRA: $5,229 (Down $98)
Regular IRA: $1,523 (Up $549)
Lending Club: $206 (Up $104)
Savings (including emergency fund): $19,725 (Up $4,649)
Total assets: $222,516 (Up $3873)
Liabilities:
Mortgage: $177,940 (Down $1,490)
Total net worth: $44,576
Difference since last quarter: +$5,363
*Estimation from Zillow
So, as you can see I did reach my goal of increasing my net worth since I last checked it in October. I'm a little disappointed to see that the house value continues to drop. It's disappointing to see that we still owe over $8,000 more than the house is "worth". However, that is just an internet estimate, so I try not to be too bummed out about it because it might not be accurate.
I'm happy to see that my savings are nearing the $20,000 mark again. As of now, I think our next big purchase will be to replace our 2001 Ford Ranger. My husband says he can drive it for a few more years, but I have a feeling the moment a major repair is needed, he'll want to look for a new truck. As of now, I have about $11,000 of the savings ear marked for the truck replacement. I think trucks as usually a bit more expensive than cars, so I'm thinking I may want to have as much as $25,000 saved up. Hopefully we spend less. We are also thinking about where we would like to go on vacation this year, so I should start setting aside money for that as well.
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