My net worth increased by almost 10 percent in June. Yay for months with 3 paychecks:

Liquid Assets	Start	End	$ Change
Cash & Checking	$1,085	$1.418	+$333
Emergency Fund	$4,575	$4,818	+$243
Savings Goals	$365	$365	$0
Brokerage Accts	$1,080	$1,203	+$123
Illiquid Assets	Start	End	$ Change
Savings Bonds	$1,603	$1,453	($150)
Home Equity	$16,000	$16,455	+$455
401K	$31,760	$34,236	+$2,476
Roth IRA	$22,641	$23,461	+$820
Liabilities	Start	End	$ Change
Credit Cards	($341)	($387)	($46)
Loans	($17,368)	($15,809)	+$1,559
Net Worth	$61,400	$67,213	+$5,813
% Change			+9.5%

I was not able to allocate my third paycheck amongst the various funds like I had outlined in last month’s post.

Spending

This was my first month operating under my new (increased) budget. I had a (minor) surgery in the beginning of the month and that kind of threw things off. I was able to stay within budget, but it was hard!

Category	Budgeted	Actual	Remaining
(1) Bills & Utilities	$275	$237	$38 under
(2) Food	$300	$287	$13 under
(3) Medical	$-	$526	$-
(4) Everything Else	$300	$338	$38 over
Total (1+2+4)	$875	$862	$13 under

My medical expenses were fairly high in June and I expect July slightly higher.  I plan to judiciously cut back on the frequency of my medical appointments since my FSA balance is getting low. If I do end up draining my FSA, I’ll lower my contributions towards my 401K loan. That way I’ll have more money to set aside for medical expenditures. Managing a chronic illness is expensive.

Coming in July

Lately I’ve been pretty terrible about posting anything other than net worth updates. Life’s been kind of crazy with my health issues. I am hoping that I’ll be up for a few July posts detailing how I use google sheets to manage my finances. I’ve become increasingly reluctant to use aggregation platforms like mint and personal capital.