Overall

In May, our net worth decreased $6,588.07 to a total of $338,566.81 (see spreadsheet screenshot).   The main reason our net worth decreased was because we sold Car 1 at a loss in May.  The good news is that we are in the process of selling our house for $685K and buying a larger house, in a lower cost of living area, for $465K.  God willing, if it all goes through as planned, our new 15-year mortgage will be less than $200K.

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 10% to my 401(k) and 5% to my wife’s 401(k).  My company matches up to $1,000 per year (vested over five years).  My wife’s company matches up to 5% of her 401(K) contribution and chips in an additional 5% on top of the match (both 100% vested when deposited).  This month, we contributed $841.65 to my 401(k) and $700 to my wife’s 401(k).  Her company deposited another $1,000.00 into her 401(k) for her 5% match and 5% extra “chip in”.   We saw the total balance of our retirement accounts increase $2,981.45 from last month to a total of $175,638.53.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s old company) that went up $171.85 this month.  Our balance is $849.43 on a $2,000.00 in initial investment.

Cash & Savings Accounts

Cash and savings accounts consists of a small sum of cash at home and our online savings account balance. It does not include our checking account balance that we use to pay our bills each month.  This month our cash and savings accounts decreased $7,149.55, bringing the total to $1,272.51.  $5K was used as earnest money on a new house that we are buying.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $50 to our son’s 529 Plan and it increased $210.56 from last month to a total balance of $14,460.93.  We contributed $150 to our daughter’s 529 Plan and it increased $223.84 over last month to a total balance of $6,436.01.

Home

We use the $489K purchase price that we paid in January 2012 for our home value.  Current comps in the area are ~$675K.  The current balance on our mortgage loan is $353,679.79.  We paid an extra $0 towards principal this month.  As mentioned above, we are in the process of selling our home and buying a new home.

Cars

“Car 1” is a 2011 SUV that we sold this money (at a bit of a loss) and “Car 2” is a 2012 SUV with ~80K miles.  When calculating our net worth, we depreciate the vehicles 1% per month. Car 2 has a current loan balance of $25,073.71.  I receive $230.13/month as a fixed car reimbursement and $0.22 per mile as a variable reimbursement (to help cover gas, wear and tear, etc.).  My wife has a company car for work.

Credit Card Balance

We do not currently have a credit card balance that is not paid in full each month.

Overall

In April, our net worth increased $6,735.24 to a total of $345,154.88 (see spreadsheet screenshot).

Retirement Accounts

Our retirement accounts are comprised of our 401(k)s, our Roth IRAs and our Traditional IRAs.  We contribute 15% to my 401(k) and 7% to my wife’s 401(k).  My company matches up to $1,000 per year (vested over five years).  My wife’s company matches up to 5% of her 401(K) contribution and chips in an additional 5% on top of the match (both 100% vested when deposited).  This month, we contributed $1,140.22 to my 401(k) and $700 to my wife’s 401(k).  Her company deposited another $1,000.00 into her 401(k) for her 5% match and 5% extra “chip in”.   We saw the total balance of our retirement accounts increase $6,735.24 from last month to a total of $172,657.08.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s old company) that went down $54.01 this month.  Our balance is $677.58 on a $2,000.00 in initial investment.

Cash & Savings Accounts

Cash and savings accounts consists of a small sum of cash at home and our online savings account balance. It does not include our checking account balance that we use to pay our bills each month.  This month our cash and savings accounts decreased $620.00, bringing the total to $8,422.06.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it increased $27.26 from last month to a total balance of $14,250.37.  We contributed $0 to our daughter’s 529 Plan and it increased $55.85 over last month to a total balance of $6,212.17.

Home

We use the $489K purchase price that we paid in January 2012 for our home value.  Current comps in the area are ~$675K.  The current balance on our mortgage loan is $354,384.05.  We paid an extra $150 towards principal this month.

Cars

“Car 1” is a 2011 SUV with ~75K miles and “Car 2” is a 2012 SUV with ~80K miles.  When calculating our net worth, we depreciate the vehicles 1% per month.  “Car 1” has a current loan balance of $20,207.60 and Car 2 has a current loan balance of $25,467.95.  I receive $230.13/month as a fixed car reimbursement and $0.22 per mile as a variable reimbursement (to help cover gas, wear and tear, etc.).  My wife has a company car for work.

Credit Card Balance

We do not currently have a credit card balance that is not paid in full each month.

Overall

In March, our net worth increased $9,578.32 to a total of $338,419.64 (see spreadsheet screenshot).

Retirement Accounts

Our retirement accounts are comprised of my wife’s 401(k), my 401(k), our Roth IRAs and our Traditional IRAs.  We contribute 7% to my wife’s 401(k) and 15% to my 401(k).  My wife’s company matches up to 5% of her 401(K) contribution and chips in an additional 5% on top of the match (it is 100% vested when deposited).  My company matches up to $1,000 per year (vested over five years).  This month, we contributed $700 to my wife’s 401(k) and $639.17 to my 401(k).  We saw the total balance of our retirement accounts increase $8,026.50 from last month to a total of $165,816.22.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s old company) that went down $331.42  this month.  Our balance is $731.59 on a $2,000.00 in initial investment.

Cash & Savings Accounts

Cash and savings accounts consists of a small sum of cash at home and our online savings account balance. It does not include our checking account balance that we use to pay our bills each month.  This month our cash and savings accounts decreased $1,243.38, bringing the total to $9,042.06.

College Savings Accounts

Our kids have 529 Plans through Vanguard.  This month, we contributed $300 to our son’s 529 Plan and it increased $584.74 from last month to a total balance of $14,223.11.  We contributed $200 to our daughter’s 529 Plan and it increased $462.34 over last month to a total balance of $6,156.32.

Home

We use the $489K purchase price that we paid in January 2012 for our home value.  Current comps in the area are ~$675K.  The current balance on our mortgage loan is $355,235.65.  We paid an extra $150 towards principal this month.

Cars

“Car 1” is a 2011 SUV with ~75K miles and “Car 2” is a 2012 SUV with ~75Kmiles.  When calculating our net worth, we depreciate the vehicles 1% per month.  “Car 1” has a current loan balance of $20,551.34and Car 2 has a current loan balance of $25,854.21.  I receive $230.13/month as a fixed car reimbursement and $0.22 per mile as a variable reimbursement (to help cover gas, wear and tear, etc.).

Credit Card Balance

We do not currently have a credit card balance that is not paid in full each month.

 Overall

In December, we passed the net worth milestone of $330,000, thanks mainly to my wife’s $4,489 cashed in PTO and my monthly bonus of $2,764.10 gross ($1,584.05 net). Our net worth increased $6,852.72 this month, to a total of $331,113.94 (see spreedsheet screenshot). My wife and her team were informed that 12/31/15 was their last day of work. Thankfully, she will receive ~$34K in severance and bonus in January.

Retirement Accounts

Our retirement accounts are comprised of my wife’s 401(k), my 401(k), our Roth IRAs and our Traditional IRAs. We contribute 3% to my wife’s 401(k) and 15% to my 401(k). My wife’s company matches up to 3% of her 401(K) contribution and deposits the sum once a year on January 1^st (it is 100% vested when deposited). My company matches up to $1,000 per year (vested over five years). This month, we contributed $541.66 to my wife’s 401(k) and $700 to my 401(k). We saw the total balance of our retirement accounts decrease $1,096.78 last month to a total of $159,342.08.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s company) that went down $103.11 this month. Our balance is $721.77 on a $2,000.00 in initial investment.

Cash & Savings Accounts

Cash and savings accounts consists of a small sum of cash at home and our online savings account balance. It does not include our checking account balance that we use to pay our bills each month. This month, our cash and savings accounts increased $6,450.00, bringing the total to $11,516.46. We made huge progress this month thanks to my wife’s cashed in PTO.

College Savings Accounts

Our kids have 529 Plans through Vanguard. This month, we contributed $640 to our son’s 529 Plan and it increased $377.72 from last month to a total balance of $13,323.37. We contributed $285 to our daughter’s 529 Plan and it increased $292.83 over last month to a total balance of $5,762.07.

Home

We use the $489K purchase price that we paid in January 2012 for our home value. Current comps in the area are ~$650K. The current balance on our mortgage loan is $357,625.03. We paid an extra $0 towards principal this month.

Cars

“Car 1” is a 2011 SUV with ~60K miles and “Car 2” is a 2012 SUV with ~60Kmiles. When calculating our net worth, we depreciate the vehicles 1% per month. “Car 1” has a current loan balance of $21,585.22 and Car 2 has a current loan balance of $27,017.99. My wife receives $800/month as a car reimbursement and her gas is paid for by her company. I receive $230.13/month as a fixed car reimbursement and $0.22 per mile as a variable reimbursement (to help cover gas, wear and tear, etc.)

Credit Card Balance

We do not currently have a credit card balance that is not paid in full each month.

Overall

In November, we passed the net worth milestone of $320,000. This was achieved, primarily, due to my wife’s $11,500 gross ($6909.37 net) quarterly bonus. Our net worth increased $7,338.66 this month, to a total of $324,261.222 (see spreadsheet screenshot).

Retirement Accounts

Our retirement accounts are comprised of my wife’s 401(k), my 401(k), our Roth IRAs and our Traditional IRAs. We contribute 10% to my wife’s 401(k) and 20% to my 401(k). My wife’s company matches up to 3% of her 401(K) contribution and deposits the sum once a year on January 1^st (it is 100% vested when deposited). My company matches up to $1,000 per year (vested over five years). This month, we contributed $1,116.66 to my wife’s 401(k) and $800 to my 401(k). We saw the total balance of our retirement accounts increase $2,058.54 over last month to a total of $160,438.86.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s company) that went down $103.11 this month. Our balance is $741.41 on a $2,000.00 in initial investment.

Cash & Savings Accounts

Cash and savings accounts consists of a small sum of cash at home and our online savings account balance. It does not include our checking account balance that we use to pay our bills each month. This month, our cash and savings accounts increased $4,501.66, bringing the total to $5,066.46.  It feels nice to be moving in the right direction with our savings again.

College Savings Accounts

Our kids have 529 Plans through Vanguard. This month, we contributed $0 to our son’s 529 Plan and it increased $27.14 from last month to a total balance of $12,945.65. We contributed $0 to our daughter’s 529 Plan and it increased $11.50 over last month to a total balance of $5,469.24.

Home

We use the $489K purchase price that we paid in January 2012 for our home value. Current comps in the area are ~$650K. The current balance on our mortgage loan is $358,317.00. We paid an extra $0 towards principal this month.

Cars

“Car 1” is a 2011 SUV with ~60K miles and “Car 2” is a 2012 SUV with ~60Kmiles. When calculating our net worth, we depreciate the vehicles 1% per month. “Car 1” has a current loan balance of $21,928.82 and Car 2 has a current loan balance of $27,792.50. My wife receives $800/month as a car reimbursement and her gas is paid for by her company. I receive $230.13/month as a fixed car reimbursement and $0.22 per mile as a variable reimbursement (to help cover gas, wear and tear, etc.)

Credit Card Balance

We do not currently have a credit card balance that is not paid in full each month.

Overall

Our net worth increased $9,030.24 this month, to a total of $316,922.56 (see spreadsheet screenshot).

Retirement Accounts

Our retirement accounts are comprised of my wife’s 401(k), my 401(k), our Roth IRAs and our Traditional IRAs. We contribute 5% to my wife’s 401(k) and 20% to my 401(k). My wife’s company matches up to 3% of her 401(K) contribution and deposits the sum once a year on January 1^st (it is 100% vested when deposited My company matches up to $1,000 per year (vested over five years). This month, we contributed $541.66 to my wife’s 401(k) and $800.00 to my 401(k). We saw the total balance of our retirement accounts increased $7,144.72 over last month to $158,380.32.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s company) that went up $65.79 this month. Our balance is $844.52 on a $2,000.00 in initial investment.

Cash & Savings Accounts

Cash and savings accounts consists of a small sum of cash at home and our online savings account balance. It does not include our checking account balance that we use to pay our bills each month. This month, our cash and savings accounts decreased $76.00, bringing the total to $564.80

College Savings Accounts

Our kids have 529 Plans through Vanguard. This month, we contributed $0 to our son’s 529 Plan and it increased $668.52 from last month to a total balance of $12,918.51. We contributed $0 to our daughter’s 529 Plan and it increased $256.88 over last month to a total balance of $5,457.74.

Home

We use the $489K purchase price that we paid in January 2012 for our home value. Current comps in the area are ~$650K. The current balance on our mortgage loan is $359,006.81. We paid an extra $0 towards principal this month.

Cars

“Car 1” is a 2011 SUV with ~60K miles and “Car 2” is a 2012 SUV with ~60Kmiles. When calculating our net worth, we depreciate the vehicles 1% per month. “Car 1” has a current loan balance of $22,273.27 and Car 2 has a current loan balance of $27,792.50. My wife receives $800/month as a car reimbursement and her gas is paid for by her company. I receive $230.13/month as a fixed car reimbursement and $0.22 per mile as a variable reimbursement (to help cover gas, wear and tear, etc.)

Credit Card Balance

We do not currently have a credit card balance that is not paid in full each month.

Overall

September was a nice turnaround from last month. Our net worth increased $9,930.42 this month, to a total of $307,892.32 (see spreadsheet screenshot).

Retirement Accounts

Our retirement accounts are comprised of my wife’s 401(k), my 401(k), our Roth IRAs and our Traditional IRAs. In an effort to accumulate some cash, we reduced my wife’s 401(k) contribution from 10% to 5% and my 401(k) contribution from 25% to 20%. My wife’s company matches up to 3% of her 401(K) contribution and deposits the sum once a year on January 1^st (it is 100% vested when deposited My company matches up to $1,000 per year (vested over five years). This month, we contributed $541.66 to my wife’s 401(k) and $1,588.14to my 401(k). We saw the total balance of our retirement accounts increased $8,079.40 over last month to $15,235.60.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s company) that went up $2.95 this month. Our balance is $778.73on a $2,000.00 in initial investment.

Cash & Savings Accounts

Cash and savings accounts consists of a small sum of cash at home and our online savings account balance. It does not include our checking account balance that we use to pay our bills each month. This month, our cash and savings accounts increased $158.40, bringing the total to $640.80.

College Savings Accounts

Our kids have 529 Plans through Vanguard. This month, we contributed $60 to our son’s 529 Plan and it increased $508.88 from last month to a total balance of $12,250.00. We contributed $0 to our daughter’s 529 Plan and it increased $216.63 over last month to a total balance of $5,200.86

Home

We use the $489K purchase price that we paid in January 2012 for our home value. Current comps in the area are ~$650K. The current balance on our mortgage loan is $359,844.01. We paid an extra $150 towards principal this month.

Cars

“Car 1” is a 2011 SUV with ~60K miles and “Car 2” is a 2012 SUV with ~60Kmiles. When calculating our net worth, we depreciate the vehicles 1% per month. “Car 1” has a current loan balance of $22,612.20 and Car 2 has a current loan balance of $28,171.87. My wife receives $800/month as a car reimbursement and her gas is paid for by her company. I receive $230.13/month as a fixed car reimbursement and $0.22 per mile as a variable reimbursement (to help cover gas, wear and tear, etc.)

Credit Card Balance

We do not currently have a credit card balance that is not paid in full each month.

Overall

Crazy month in the market! It’s a great time to invest if you have time on your side. Our net worth decreased $9,235.52 this month, to a total of $297,961.90 (see spreadsheet screenshot).

Retirement Accounts

Our retirement accounts are comprised of my wife’s 401(k), my 401(k), our Roth IRAs and our Traditional IRAs. We contribute 10% to my wife’s 401(k) and 25% to my 401(k). My wife’s company matches up to 3% of her 401(K) contribution and deposits the sum once a year on January 1^st (it is 100% vested when deposited).  My company matches up to $1,000 per year (vested over five years). This month, we contributed $2,333.34 to my wife’s 401(k) and $2,175.00 to my 401(k). We saw the total balance of our retirement accounts decreased $8,235.57 over last month to $143,156.20.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s company) that went down $103.11 this month. Our balance is $775.78 on a $2,000.00 in initial investment.

Cash & Savings Accounts

Cash and savings accounts consists of a small sum of cash at home and our online savings account balance. It does not include our checking account balance that we use to pay our bills each month. This month, our cash and savings accounts decreased $172.81, bringing the total to $482.40. Yeah, we need to work on this one.

College Savings Accounts

Our kids have 529 Plans through Vanguard. This month, we contributed $0 to our son’s 529 Plan and it decreased $1,147.79 from last month to a total balance of $11,741.12. We contributed $100 to our daughter’s 529 Plan and it decreased $320.18 over last month to a total balance of $4,984.23.

Home

We use the $489K purchase price that we paid in January 2012 for our home value. Current comps in the area are ~$650K. The current balance on our mortgage loan is $360,678.6. We paid an extra $0 towards principal this month.

Cars

“Car 1” is a 2011 SUV with ~60K miles and “Car 2” is a 2012 SUV with ~60Kmiles. When calculating our net worth, we depreciate the vehicles 1% per month. “Car 1” has a current loan balance of $22,951.99 and Car 2 has a current loan balance of $28,552.72. My wife receives $800/month as a car reimbursement and her gas is paid for by her company. I receive $230.13/month as a fixed car reimbursement and $0.22 per mile as a variable reimbursement (to help cover gas, wear and tear, etc.)

Credit Card Balance

We do not currently have a credit card balance that is not paid in full each month.

Overall
Our net worth increased $2,248.57 this month, to a total of $307,197.42 (see spreadsheet screenshot).

Retirement Accounts
Our retirement accounts are comprised of my wife’s 401(k), my 401(k), our Roth IRAs and our Traditional IRAs.  We contribute 10% to my wife’s 401(k) and 25% to my 401(k).  My wife’s company matches up to 3% of her 401(K) contribution and deposits the sum once a year on January 1st (it is 100% vested when deposited  My company matches up to $1,000 per year (vested over five years)  This month, we contributed $1,083.34 to my wife’s 401(k) and $2,652.94 to my 401(k).  We saw the total balance of our retirement accounts increased $1,513.96 over last month to $151,391.77.  It is really nice to pass the $150K mark for our retirement savings.

Brokerage Account
Currently, our brokerage account consists of one stock (my wife’s company) that went down$ 4.91 this month.  Our balance is $878.89 on a $2,000.00 in initial investment.

Cash & Savings Accounts
Cash and savings accounts consists of a small sum of cash at home and our online savings account balance. It does not include our checking account balance that we use to pay our bills each month.  This month, our cash and savings accounts decreased $81.00, bringing the total to $655.21.

College Savings Accounts
Our kids have 529 Plans through Vanguard.  This month, we contributed $0 to our son’s 529 Plan and it decreased $90.02 from last month to a total balance of $12,888.91.  We contributed $0 to our daughter’s 529 Plan and it increased $37.58 over last month to a total balance of $5,364.72.

Home
We use the $489K purchase price that we paid in January 2012 for our home value.  Current comps in the area are ~$650K.  The current balance on our mortgage loan is $361,361.06.  We paid an extra $150 towards principal this month.

Cars
“Car 1” is a 2011 SUV with ~60K miles and “Car 2” is a 2012 SUV with ~60Kmiles.  When calculating our net worth, we depreciate the vehicles 1% per month.  “Car 1” has a current loan balance of $23,291.04 and Car 2 has a current loan balance of $28,932.50.  My wife receives $800/month as a car reimbursement and her gas is paid for by her company.  I receive $230.13/month as a fixed car reimbursement and $0.22 per mile as a variable reimbursement (to help cover gas, wear and tear, etc.).

Credit Card Balance
We do not currently have a credit card balance that is not paid in full each month.

Overall

June was a negative net worth month for us but as you will see below, we intentionally depleted our savings. Our net worth decreased $6,246.30 this month, to a total of $304,948.85 (see spreadsheet screenshot).

Retirement Accounts

Our retirement accounts are comprised of my wife’s 401(k), our Roth IRAs and our Traditional IRAs. My wife’s company matches up to 3% of her 401(K) contribution and deposits the sum once a year on January 1^st (it is 100% vested when deposited). We contributed $1,083.34 to my wife’s 401(k) this month and saw the total balance of our retirement accounts increased $1,002.90 over last month to $149,877.81.

Brokerage Account

Currently, our brokerage account consists of one stock (my wife’s company) that went up $112.93 this month. Our balance is $883.80 on a $2,000.00 in initial investment.

Cash & Savings Accounts

Cash and savings accounts consists of a small sum of cash at home and our online savings account balance. It does not include our checking account balance that we use to pay our bills each month. This month, our cash and savings accounts decreased $8,441.65, bringing the total to $736.21. Scary low but my wife is having an elective surgery and we received a substantial discount on for paying cash. We are both receiving bonuses totaling $10K-16K in the next 30-60 days which will allow us to refill our savings account.

College Savings Accounts

Our kids have 529 Plans through Vanguard. This month, we contributed $0 to our son’s 529 Plan and it decreased $17.07 from last month to a total balance of $12,978.93. We contributed $165 to our daughter’s 529 Plan and it increased $158.87 over last month to a total balance of $5,402.30.

Home

We use the $489K purchase price that we paid in January 2012 for our home value. Current comps in the area are ~$650K. The current balance on our mortgage loan is $362,190.92. We paid an extra $150 towards principal this month.

Cars

“Car 1” is a 2011 SUV with ~60K miles and “Car 2” is a 2012 SUV with ~55K miles. When calculating our net worth, we depreciate the vehicles 1% per month. “Car 1” has a current loan balance of $23,631.01 and Car 2 has a current loan balance of $29,313.86. My wife receives $800/month as a car reimbursement and her gas is paid for by her company. I receive $230.13/month as a fixed car reimbursement and $0.23 per mile as a variable reimbursement (to help cover gas, wear and tear, etc.)

Credit Card Balance

We do not currently have a credit card balance that is not paid in full each month.