HomePersonal SituationDecember 2011 Net Worth Update

December 2011 Net Worth Update

November was a mixed month as I celebrated (yet again) my 30th birthday and I had a great thanksgiving weekend, but fiscally speaking it was sub-par at best and frustrating at worst.  Despite increasing my 401(k) contributions, saving more liquid cash than average and buying more dividend paying stocks then I ever had before I basically tread water this past month.

What is Included in My Net Worth?

The assets I include are:

  • My Cash Savings Accounts
  • My 401(k)
  • Random Non-Qualified Investments Accounts
  • The Wife’s Roth IRA
  • My Small but Awesome Dividend Investment Portfolio which I will update in the next week to include other dividend lists besides the dividend aristocrats
  • Value of my House
  • My Traditional IRA

The liabilities I include are:

What is missing?

  • Car loan  – Paid it off about 6 months ago
  • Credit Card debt – Don’t  have any except a revolving AMEX account so no reason to put it up
  • Checking Accounts – Always changing and moving kept low on purpose so no reason to track it
  • Cars – Wife’s is leased and I don’t consider mine an asset

How I Calculate my Net Worth?

The simple answer is subtract liabilities from assets, but I am not entirely comfortable putting the number completely out there, so I came up with a system where I took my January 2011 positive net worth made it a zero.  Feel free to check out my absolute zero net worth post.  This way I can share my gains and loses.

  • From November 1, 2011 to November 30, 2011 my net worth increased only 1.32%
  • From January 2011 to November 30, 2011 my net worth has increased 64.41%

I am always happy with a positive increase it is a bit disheartening to do everything right throughout the month and to a greater extent then I have ever before just to stay in the same basic place.

Will I do anything different? Probably not since it seems that my net worth is starting to get tied more and more to the stock market.


How did you do this month?



  1. Yeah, even with the new methodology you’ve implemented, I just don’t get much from these posts. The % increase is irrelevant unless we know the base $ amts.

    I know it’s easier for me b/c there are so few people who actually know me on my blog. I believe the number is 5, including my wife. If your friends and family follow you, that makes it harder. I avoided that in order to maintain transparency.

    • I can see why these posts may frustrate some, but I started this blog first and foremost as a “blog” where I can go back and read old posts of mine.

      I know no one else does, but I love going back and reading my old net worth updates to see the growth even if it is at a % basis.

  2. Looks like you had an alright month as well – I was able to pay off 1 student loan and save some, even though I booked my honeymoon trip and my flight. Hopefully next month I wont spend SOOO much.

  3. Looks like you will need to change your “about me” at the bottom of the post (still says you are 29!).

    I will be hanging onto 29 as long as I can too…..:).

  4. Thanks for the reminder – I will have to see how I did tonight! I’m excited, but like you the biggest change always comes from the stock market… *sigh* But, as I keep telling myself, it will get better and there will be great months.

  5. Honestly, I never even looked at out net worth for one reason only: don’t want to get upset. 🙂 Yours looks great, especially that 64% increase.

  6. Hey Evan, Glad you had a good month. I don’t pay much attention to monthly shifts in net worth. With investing, returns in the short term are always volatile. ps look for a question you asked me to be featured in an upcoming post:)


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