on Tuesday, October 6, 2009

Originally uploaded by Leaca's Philosophy

I can honestly say I am shocked at the numbers for September! Our net worth went up when I fully expected it to continue to fall. I have come to realize that I haven't been counting my retirement fund in our net worth statements. I'm going to continue to not count it and while this may paint a skewed picture of our net worth we are not using that money for another oh 40 years so it is not in our every day thoughts. I'm going to keep it to banking accounts that we can access as well as debts.

Our E-fund is up a bit from $149 to $675. We are working our way to our long term goal slowly but we'll get there if we keep chugging along.

We did a deposit in O's savings account this month. We are not depositing every month so a lot of times this doesn't change. We deposited $60 to bring her to a total of $300.50. She also has $30 in her piggy bank in bills as well as a good deal of change. This will get deposited this month. Usually we do it all at once but S and I had a bit of a mix-up regarding who was depositing the check.

Our travel fund is down and down a lot! We used this money to pay for S's college tuition this month. He is paid in full for the semester and it is his last semester. This was not something I was willing to put on a credit card when we had the cash in the bank. Vacations will come and go but not more paying interest on college tuition than necessary is golden at this point.

Retirement stayed the same at 4% for September but I changed the deposit amount to 5% as of this past Sunday so that will have an increase in the October amounts.

M's Student Loan is down, of course, to just under $15,000 which was our goal for 2009! WOOHOO! We should have about $500 more paid off by the time January rolls around. I am excited about this but also know that we should be saving a little bit more. I'll think about changing how much I'm sending to my student loan this month and report back next month. S's student loan remains the same.

Our net worth, as I said, has gone up. It wasn't much but any improvement makes my heart and pocket happy. We are up to -$26,330 from -$26,740. As I said, it wasn't much of an improvement but I fully expected a decrease.

So, there you have it! Our monthly check in... a little late but due to illness it was to be expected.