June numbers:
- Personal:
- Gross monthly W2 pay: $5,375 (no change)
- Net monthly W2 pay: $3,373 (no change)
- Total credit card debt: $35,655 (+$1,050)
- Total other non-mortgage debt: $16,158 (+$1,512)
- Total mortgage debt: $221,886 (-$997)
- Cash/cash equivalents: $9,995 (+$4,435)
- Total retirement savings: $248,080 (-$7,372)
- Non-Equity Net worth: $-15,624 (-$4,501)
- Total Net Worth: $429,900
Late again! Been a brutal few months, so tough. I’ll no doubt continue to be late while it all works out. As you can tell, almost all numbers are decidedly worse for the third month in a row. Credit card and non-mortgage debt are higher. The big lump of the new house landed last month, so at least the mortgage balance has started going back down again. It will be declining by about $1,000 per month instead of ~$850, so that’s a nice long-term improvement to look forward to.
Debt categories went up, and will go up again in July with some family-related expenses. Cash increased, but that’s primarily related to increases in the brokerage account with the market so not really anything I’ve done. Retirement went down due to market declines overall. These are very sensitive to changes in a few individual stocks because of how concentrated I am. Yes, this is high risk, and yes, I’m fine with that. Net worth declined again this month and I would expect that to continue for a few months with debt category increases. My debt increase is faster than my income/savings growth, so that number will be getting worse for a while.
This is a very late update – sorry about that. I had it scheduled but screwed it up, so it’s coming in early August instead of early July as intended. In any case, July should post next week, so I’ll be getting caught up. Grain of salt though as this month will be very busy and I’ll take some time in catching up. Stay cool nerds!
