| Assets | Dec-09 | Jan-10 | Change | % |
| Cash & Savings | $ 16,327.90 | $ 17,204.40 | $ 876.50 | 5.37% |
| Taxable Brokerage Accts | $ 112,411.10 | $ 109,096.94 | $ (3,314.16) | -2.95% |
| Roth IRAs | $ 49,835.89 | $ 50,856.92 | $ 1,021.03 | 2.05% |
| Pre-tax Retirement Accts | $ 194,639.68 | $ 193,999.98 | $ (639.70) | -0.33% |
| Stock Options | $ 30,039.99 | $ 23,248.00 | $ (6,791.99) | -22.61% |
| ESPP | $ 21,961.79 | $ 20,952.45 | $ (1,009.34) | -4.60% |
| House #1 – Rental | $ 160,000.00 | $ 160,000.00 | $ – | 0.00% |
| House #2 – Rental | $ 128,225.00 | $ 128,225.00 | $ – | 0.00% |
| House #3 – Sold | $ – | $ – | $ – | #DIV/0! |
| House #4 – Primary | $ 300,000.00 | $ 300,000.00 | $ – | 0.00% |
| Receivable (Payable) | $ – | $ – | $ – | |
| Other Assets | $ – | $ – | $ – | |
| Total Assets | $ 1,013,441.35 | $ 1,003,583.69 | $ (9,857.66) | -0.97% |
| Liabilities | ||||
| Credit Card Balances | $ (2,218.29) | $ (647.06) | $ 1,571.23 | -70.83% |
| House #1 Mortgages | $ (135,132.11) | $ (134,483.79) | $ 648.32 | -0.48% |
| House #2 Mortgages | $ (20,963.35) | $ (18,179.17) | $ 2,784.18 | -13.28% |
| House #3 Mortgages | $ – | $ – | $ – | #DIV/0! |
| House #4 Mortgages | $ (237,954.47) | $ (237,954.47) | $ – | 0.00% |
| Rental Deposits | $ (4,657.72) | $ (4,657.72) | $ – | 0.00% |
| Additional Tax Liability | $ (11,415.20) | $ (8,834.24) | $ 2,580.96 | -22.61% |
| Other Liabilities | $ – | |||
| Total Liabilities | $ (412,341.14) | $ (404,756.45) | $ 7,584.69 | -1.84% |
| $2million Goal Progress* | $ 539,054.68 | $ 536,781.71 | $ (2,272.97) | -0.42% |
| Net Worth | $ 601,100.21 | $ 598,827.24 | $ (2,272.97) | -0.38% |
Highlights for January
- All credit card debt (except current month’s purchases) is in the form of 0% APR balance transfers earning interest in my savings accounts. We paid off the last of our 0% balance transfers in January 2009. The well has dried up for now, but we are ready to take advantages if any offers come our way.
- We track our real estate properties according to our cost basis.
- We clamp down our spending in January to help recover from our higher than average spending during the holidays in December.
- We received January rent for one of our rental properties in Dec so our income this month was below normal.
- The stock market was down for the month dragging our net worth down as well. We also saw a significant drop in the value of my employer’s stock options this month
- Otherwise we continued to focus on paying down our IELOC (House #2 mortgage) which has been an ongoing focus for us. Our goal is to pay off this credit line by the end of this year as one of the steps to reduce our total debt load.
- My wife received here $121 bonus for opening an Electric Orange account back in November.
