Budget Freak

Despite some heavier than normal expenses, and in turn, a fairly small net income, I was able to grow my net worth almost 6%. My cash reserves were down 11% for the month, mostly due to some index fund purchases. My retirement and investment categories were both up 10% and 62% respectively, between contributions and another great month in the stock market. Assets were up a total of 3% overall. Liabilities were down 1% for the month. I’m continuing to pay off my 0% balance transfer money each month, and I’m contributing $500 per month towards my car loan. All told, a moderately good month. Could have been a lot worse. Here’s to a better June. online pharmacy without prescriptionbuy silverbuy detoxbuy italian charmsdownload softwareonline pharmacy no prescriptioncanadian pharmacydownload moviesfarmacia en lineainternet drugstoremovie downloadmexican pharmacybuy gift basketsbuy levitrabuy hoodiaprescription drugsdownload moviebuy dvdcheap auto insurancebuy jewelrybuy jewelry onlinecheap online pharmacybuy alcohol testdownload filmdownload musicdownload mp3prescription drugsbuy notebook batterydownload moviesonline pharmacybuy charmsbuy piercingpiercingflash games onlinebuy propecia onlinesearchpiercingno prescription pharmacyonline pharmacyonline pharmacy no prescriptiondownload moviescanadian pharmacybuy soma onlinebuy carisoprodol onlineitalian charmsindian pharmacybuy viagra onlinegeneric viagra onlinebuy levitra onlinegeneric cialis onlineonline pharmacy without prescriptionno prescription online pharmacytransformers movieeuropean online pharmacyprivate porn moviesbuy phentrimine onlineonline pharmacy no prescriptionbuy jewelry onlinejewelry shopsilver shophealth articlespass a drug testbuy oem softwareeuropean pharmacydvd movies

Despite spending more than I earned in April, I still managed to grow my net worth ever so slightly. This was due, in large part, to a great month in the stock market. My retirement accounts were up over 15% for the month (including contributions to my 401(k)). That in turn, gave me a 1% overall increase in Assets. I had my first two 0% balance transfer payments due, as well as another big car payment, so Liabilities are down 1% for the month. All told, net worth was up 3% for the month. A far cry from last month’s 14% growth, but still moving in the right direction. I have a feeling May will be a much better month.

Since the beginning of this year, I’ve been keeping track of my net worth. For those new to the game, net worth is basically the total of all your assets (checking and savings accounts, investments, real estate, etc), minus all your liabilities (car loans, credit cards, mortgages, etc). To see how to build your own net worth spreadsheet, check The Simple Dollar’s How to Calculate Your Net Worth. While this calculation is not the be-all-end-all, it’s a good progress indicator.

For the first quarter of this year, my net worth is up 33.8%. I enjoyed 3 positive growth months of 12%, 6%, and 14%. Most importantly, my retirement assets almost doubled, growing 82% in 3 months. Funds went from $6,800 in December 31st, to now $12,500 as of March 31st. This was mostly due to increased contributions to my 401(k), a $4,000 contribution to my ROTH IRA, and a little help from the market.

All told, I’m moving in the right direction. I’m spending less than I earn, and stocking as much as I can towards retirement. I’m still working on getting my spending down, but if I can continue these double digit growth months, I’ll be happy.