Net Worth Update, September 2015, & Q3 goals checkin

networthupdateHi everyone! Obviously I’ve been pretty absent lately — I’ve been trying to read and comment on others’ blogs as I have time, but mostly I just haven’t had the energy, let alone to post myself. Nothing bad is going on. It’s just been a very busy season at work, plus I’ve ramped up a couple of volunteer activities (yesterday, which might have been a prime time to write a post, I was at one of those from 8:00 am until 3:00 pm) and the end result is that I’ve been busy plus, when I get home, exhausted. I’ve rarely had energy to do much other than fall into bed with a book.

However, I miss blogging, so I’m going to make a concerted effort to get back into the swing of things a little bit more this month. I have a food post planned for Wednesday (hint: black bean soup with garlic and tomatoes), and I have a few other ideas for posts too. First, however, the depressing September net worth update. To the numbers!

Screen Shot 2015-10-04 at 9.05.29 AMI know this looks like a really high-spending month, but part of that is due to having borrowed ahead during August — specifically, $200 of that cash was cash I took out and used for August groceries. After writing that post a couple of weeks ago I decided to quit doing this — just accept reality, move a bit of cash from the down payment fund to checking, and zero everything out to start October.

  1. Slush: a couple of dinners out for friends’ birthdays, an order of beans from Rancho Gordo (don’t ask), a concert ticket, a subscription to The New Yorker, and two shopping trips to Meijer for small household items, including a desperately needed new pillow and some more canning jars.

2. Personal/medical: drugstore.com and sephora.com orders, mostly for eyedrops and face cream.

3. Travel: …hmm, the spreadsheet’s inaccurate; I actually spent $511, on one round-trip train ticket (to be used in October) and one round-trip plane ticket (to be used in November.) Two of my closest friends had babies recently, so I’m off to see them both this fall.

4. Repairs/maintenance: a can of waterproofing spray so I can treat my winter boots

5. Clothing: Actually spent in August, “borrowed ahead” into September’s budget.

Screen Shot 2015-10-04 at 9.05.42 AMUgh. My retirement accounts look better already after the first few days of October, but the end of September was ugly and these are the numbers from the evening of September 30. A combination of a not-great run of spending plus the continued weak markets make the net worth numbers look not so great. However, at least I did see an increase, if a small one, of $391, for a total net worth of $27505.19. Here’s to a better October!

End of Q3 Checkin (You can see my 2015 Money Goals here)

  1. Emergency Fund: Goal complete!
  2. Retirement Savings: On track in terms of contributions, although due to market stuff the numbers in the accounts don’t look quite as nice.
  3. Other Savings: I revamped this goal and my new goal is to have $5000 in non-emergency fund savings by the end of the year. Currently I have $2751, and should make this goal easily by the end of December.
  4. Net Worth goal: $18,000 increase (from $14020 to $32020). To make this goal, I need to increase my net worth by $4515 over the next three months, or $1504/month. That ought to be doable…and yet there are various pitfalls in the way. I’m going to call it on track for now, but I’m more concerned about making this goal than I have been at any other time this year!

18 thoughts on “Net Worth Update, September 2015, & Q3 goals checkin

  1. Congrats on fully funding the emergency fund. I too feel your pain when it comes to the retirement and investment accounts. We also took a huge hit with the dip in the market. Keep it up and continue to invest in your future for it will pay off in the end.
    Great job!!

    1. thesingledollar says:

      Thanks! I love your site name, by the way — I’ll go check it out.

  2. So glad you’re doing well – though busy and exhausted. We did our October budget this morning, and it was “just accept reality” time for us too. It was not a pleasant budget “date”. Sigh. On to a better reality, and here’s wishing one for you too.

    1. thesingledollar says:

      Accepting reality is SO UNFUN! I hope next month works out better for you too!

  3. Jason says:

    Excellent job and I certainly understand how the semester can get away from you. Truth be told I haven’t been doing enough writing for my research and only been doing the blog, which I need to get back to because I miss it. Plus the extra classes and teaching and advising. This is going to be an interesting couple of months.

    1. thesingledollar says:

      Yeah, part of my lack of blogging is that my writing energy’s been going into rsearch 🙂 Good luck with the semeester!

  4. You are KICKING it, C!! I was reading the other post about your “expensive” (although I think it’s completely reasonable) skin care costs. Have you tried CeraVe? It’s at Walmart and other big box stores and a $15 bottle of cleanser lasts me about six months. Super gentle, although maybe not gentle enough for your skin? My friend’s highly-respected dermatologist recommended it to her, and I’ve been using it too now since spring and am loving it!

    1. thesingledollar says:

      Thanks for the rec — when my current supply runs out I’ll totally give that a try.

  5. Hannah says:

    I’m really happy that you just “paid yourself” for your grocery “debt.” Eating healthfully is hard enough, and its probably mentally healthy to do the reset, since you’ve got the money.

    You are a good friend to travel to see new babies. I was so thankful for the friends that flew out to see us after Kenny was born.

    1. thesingledollar says:

      Well, I like new babies 🙂 It’s definitely worth it to me to keep up with these friends, and as a bonus, lots of cuddling.

  6. Thank goodness for cash accounts. They saved you (and me) from a big red net worth update! The best part about this down market is that when it comes back, we’ll have all the more shares to grow big and strong!

    Have fun with the babies! 🙂

    1. thesingledollar says:

      Yes, I totally agree on all points! And my feelings right now are basically “babies om nom nom.”

  7. ARBM says:

    I totally get what you are saying about not having the energy to blog after a long busy day of work. I’ve been pretty bad myself lately… I’m trying to catch up on some of my blog reading tonight… but haven’t got very far and am already feeling the eyelids drooping… We’ll both get back to it when things settle down.

    Congrats on the positive change in your net worth. It’s been tough with the markets doing their thing, so that’s an especially good accomplishment. 🙂

  8. I hear you about feeling overwhelmed lately. I started back to work last week. It’s just two days, but between that and my daughter’s school/ballet obligations (she got a small part in the Nutcracker, which entails a lot of rehearsal time), blogging has been on the back burner, lately. And I’m so behind on reading!

    It sounds like you have some fun trips planned for this fall – enjoy!

    1. thesingledollar says:

      Yeah, it’s easy to get overwhelmed just keeping up with the day to day stuff! I used to do theater when I was a kid and in retrospect I feel for my poor parents, driving me around to rehearsals all the time. But it’s an awesome experience, so I hope your daughter enjoys it.

  9. Ugh — the markets have had me in a constant state of bellyache since early August (at least until I checked our accounts last night, and was pleasantly surprised — I hope you got some bounce, too!). We recently reframed our goals to look at our inputs, and not be so reliant on the markets to cooperate (since they’ve been doing that so very well lately). And it’s definitely been better for my sanity to track things that way, instead of just balances and net worth, which were getting pretty soul-crushing, especially early last week, when we’d lost all progress since March despite consistently socking cash away. Here’s to a rosier October!

    1. thesingledollar says:

      I did get some bounce! I don’t really trust it, but it is nice to see even if it turns out to be temporary. I’m pretty chipper about the whole thing since, unlike some people, I’m not trying to retire in two years 🙂 But it still makes me happier to see things going up and not down.

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