October numbers:
- Personal:
- Gross monthly W2 pay: $5,375 (no change)
- Net monthly W2 pay: $3,470 (+$195)
- Total credit card debt: $24,611 (+$4,170)
- Total other non-mortgage debt: $9,827 (-$721)
- Total mortgage debt: $149,297 (-$849)
- Cash/cash equivalents: $9,021 (+$352)
- Total retirement savings: $149,994 (-$3,645)
- Non-Equity Net worth: $-18,282 (+$2,456)
- Non-Equity Net worth: $-24,720 (-$6,438)
- Total Net Worth: $260,579
Not going to spend a huge amount of time on this update as it’s wildly overdue and mostly bad news. November update should be ready next week in any case.
Net monthly W2 pay went up slightly I think reflecting changes in my healthcare that I didn’t recognize until now. Credit card debt increased due to uncontrolled spending. Other non-mortgage debt went down slightly, but I’ll take care of that in a hurry in November. Mortgage debt continued the long slow track downward (thankfully). Retirement savings went down due to market action. Good thing I won’t be using those funds anytime soon. Net work eroded to reflect the few months of overspending and consistent lack of cash control. Next up: November! Stuff will be markedly worse for November, but then should improve as my spending has levelled.
Here’s hoping I can get you updates more quickly!
