Well, the tenth month of the year was much kinder to my mint.com dashboard than the previous two. It’s interesting — my portfolio is the vast majority of my net worth, since I don’t own real estate (and especially now that a big chunk of my previous cash savings are in a taxable brokerage account.) Therefore, big swings really matter to my bottom line now, where they didn’t even a year ago. Like I said earlier this month, when I put the drop of the last two months in perspective, there was nothing to worry about. But it was definitely less fun writing the September update than it is doing this one 🙂 To the numbers!
Pretty typical overall month. My post-tax income was $3209.03 (including my regular paychecks as well as a small royalty check I get once a year, bank interest, and a few dollars from usertesting) and I lived on 45% of that. Not bad.
- Slush: dinner out and a concert ticket for the same night; some miscellaneous big-box-store shopping, including a massive purchase of cleaning supplies for a volunteer project and another round of glass canning jars, plus some nice storage bins for the pantry.
- Personal/medical: a co-pay at the health center and for some prescriptions and a drugstore.com order, but the majority of this was from a contact lens order. I’m looking forward to spending pre-tax FSA dollars on lenses next year.
- Gremlins: This is annoying. I got a speeding ticket on the interstate — my first in about fifteen years! Not a huge deal in the grand scheme of things, but, you know, annoying.
- Gifts: a donation to honor the birth of a friend’s child.
I did travel for about a week in October, but I’d already paid for the train ticket in September, and it was a very low-key trip otherwise; we ate inexpensive sandwiches out a couple of times and I paid for mine out of my cash draw, but other than that ate at my friends’ house and hung out with their baby, all of which was free to me. Gas costs were low too because my car spent so much time sitting at home while I was away.
Not too much to say here — it all looks good! Cash savings are improved, and the markets went firmly up. I don’t necessarily believe they’ll stay there, but after the last two months it definitely feels good to see that my net worth is currently well over $30,000 — it’s $31,178, for an increase of $3673 since the end of September. Here’s hoping for an equally solid November.