October numbers:
- Personal:
- Gross monthly W2 pay: $5,375 (no change)
- Net monthly W2 pay: $3,373 (no change)
- Total credit card debt: $42,806 (-$1,274)
- Total other non-mortgage debt: $6,137(+$2,518)
- Total mortgage debt: $217,867 (-$1,009)
- Cash/cash equivalents: $8,923 (+$341)
- Total retirement savings: $270,620 (+$16,597)
- Non-Equity Net worth: $12,732 (+$16,702)
- Total Net Worth: $240,389
Overall a decent month. Debt up net overall as some early holiday travel spending hit early. I suppose at least the flights are paid for. That other non-mortgage debt category will likely be variable through January then start to decline (I hope) through March. I haven’t been motivated to do online sales for the past six or so months, but I seem to have recovered the will to do that in the last few weeks. That little bit of extra cash coming in is usually a nice offset for my spending on collectibles and helps chip those debt numbers down.
Mortgage debt declined the usual amount, which is nice to see. Cash went up a bit, but that’s mostly due to market changes on my brokerage account. Everything in there is pretty speculative and widely variable. Retirement savings spiked because this is the month my dividends landed. You might recall I bought a bunch of NLY and CIM in the pandemic dip in about March of 2020. I’ll do a post in a bit about the details of those two positions and how they slot into my overall plan.
Net worth finally flipped back to positive. You’ll notice it flipped roughly the same amount as the retirement increase, which is nice validation that my theory on buying REITs works.
In any case I’m hoping to write a few posts and get ahead for the early part of the year. I’m out of town for two weeks for Thanksgiving, so that’ll be nice and relaxing. Have a great holiday folks!
