November numbers:
- Personal:
- Gross monthly W2 pay: $5,375 (no change)
- Net monthly W2 pay: $3,373 (no change)
- Total credit card debt: $42,991 (+$185)
- Total other non-mortgage debt: $7,355 (+$1,218)
- Total mortgage debt: $216,866 (-$1,001)
- Cash/cash equivalents: $8,492 (-$431)
- Total retirement savings: $261,013 (-$9,607)
- Non-Equity Net worth: $2,303 (-$10,429)
- Total Net Worth: $230,971
So as you can see all debt lines are up and all cash/asset lines are down, with the exception of the continued drip improvement of mortgage balances ticking down. Holiday spending is really the culprit here, and that will continue through probably February as December spending lands in the January billing cycle. I’ll do what I can to moderate spending, as I have for the last few months, but there are a lot of unavoidable un-cash-flowable expenses ongoing.
I’m not particularly concerned about the retirement and cash amounts going down. I didn’t spend anything in those categories – just a volatile market being itself. Sad thing about my current position is an expiring 0% rate balance that doesn’t have a full home. So at least some of that will land on my HELOC. Ah well, you pays your money and you takes your chances.
In January expect the December update and some thoughts on how SURS screws University of Illinois employees. Will likely do a ‘Shitty Pay’ post as well, and I’m hoping there will be a work from home post still to come in December. In any case, hope you all have a great end of 2021 and a much, much better 2022!
Love and cuddles, Dumpling
