Networth Update: November 2012 (-$1783)

Networth Update: November 2012 (-$1783)

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November 2012 Net WorthIt’s funny how perception can deceive you.

I mean, I’ve felt like I’ve been on a pretty good run lately, keeping my expenses relatively low and my income has been up a bit.

At least that’s what I thought was happening…

Cash:
A couple medium sized side-business payments came in at the tail end of the month to boost this up a bit.

Savings:
I’ve been stashing away over $1300 per month here but, like last month, I had to “borrow” hundreds of dollars from myself to pay for and/or down other things. This past month it was for that sideline credit card that was getting a little heavy.

That doesn’t bother me so much — it’s the fact that saving up for a new garage is looking more and more formidable as my piggy bank fails to grow at the rate I’d expected.

Worse yet, I might need to dip into savings again this month to pay my homeowners insurance premium (on which I paid a monthly installment for the first time ever just a few weeks ago)…

Three months in a row of taking out over half of what I’ve put in… Not a path to success.

Gov’t Bonds:
Another month, another two bucks!

401k:
2012 is looking to be a pretty flat year. Or maybe the fact that I stopped contributing (over a year ago) is just now starting to be noticeable?

Home:
The news might have you believe that Hurricane Sandy also wiped out much of Connecticut but my house is doing just fine.

Auto 1, Auto 2, and Auto 3:
If you offered me $20,880 for these three cars today, I’d gladly hand over the keys. Offers? Anyone?

Credit Cards:
So while my net worth went down this month, my ability to keep the credit card balance at zero cancels out any downward feelings. I’m living within my means. And Christmas time is always more fun with a clean credit card balance!

Auto Loans and Other Loans:
Zilch. Zero. Nada.

Mortgage:
Another minimum payment.

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