This post is way late. My personal life has been crazy mostly because of my health. I still haven’t been feeling too great. The good news is that I have a solid treatment plan and I’m confident that I’ll be feeling better soon.
In my financial life June went well. I did go over budget, but this was more than offset by extra income. It was a pretty typical month.
Net Worth
My net worth increased by 6.9% mostly because sizable stock market returns. None of my asset categories declined in value.
| Liquid Assets | Start | End | Change |
|---|---|---|---|
| Cash & Checking | $2,100 | $2,500 | +$400 |
| Emerg. Fund | $7,500 | $7,600 | +$100 |
| Savings | $3,200 | $3,200 | +$0 |
| Brokerage | $1,800 | $1,900 | +$100 |
| HSA | $1,900 | $2,000 | +$100 |
| Illiquid Assets | Start | End | Change |
| Bonds | $0 | $0 | $0 |
| Home Eq | $30,600 | $31,200 | +$600 |
| 401K | $53,600 | $58,900 | +$5,300 |
| Roth IRA | $28,200 | $30,300 | +$2,100 |
| Debt | Start | End | Change |
| Loans | ($3,400) | ($3,400) | +$0 |
| Net | $125,500 | $134,200 | $8,700 |
| % Change | 6.9% |
Spending
I went $265 over budget in June. I did some extra purchases due to a discontinuation of a favorite product. There was also $75 worth of gift purchases.
| Category | Budget | Actual | Diff |
|---|---|---|---|
| (1)Bills & Utilities | $125 | $94 | $31 under |
| (2)Food | $300 | $190 | $110 under |
| (3)Medical | $- | $117 | $- |
| (4)Misc | $500 | $789 | $289 over |
| (5)Sinking Funds | $- | $- | $- |
| Total (1+2+4+5) | $925 | $705 | $148 over |
| Total + Medical (3) | $855 | $265 over |
Usually I break down each category but there’s nothing interesting to be said other than the extra $650 I earned offset going over budget.
Next Month & Conclusions
June was an uneventful month, and July is over. So that post will be coming soon.
A Tale of Finances 