Sept 2014 Networth

*Numbers that are in ( ) will be compare from last month.
Cash$22,200 (+9,071)CC Debt$129 (+$685)
Saving$42,140 (+500)Home Mortgage$95,382 (-$201)
Taxable Investment$205,324 (-$2449)Rental Home$59,227 (-$144)
Retirement$128,931 (-$2,240)
Personal & Rental Home$253,000 (-$17,668)
Lending Club$11,554 (+105)
Total:$662,949 (-$12,681)$154,738 (+1,030)$508,211 (-$11,651)

Here is my September 2014 net worth.


Rental checking account: $3,758 - I got paid for 2 month rent for about (+1750) minus property management for August & September. The tenant was late and was having a hard time meeting the deadline, we was getting ready to go through the eviction process, but I’m glad it work out. I hope next month they can pay on time so we’ll see.

Personal checking account: $18,442 - Paid some bills and contribute to some of my taxable accounts.

Saving Account: $42,140 (+500) - Nothing much here just added $500 for my monthly contribution.

Taxable Individual Stock

Contributed $3,500 to my Scottstrade brokerage account to buy dividend stocks.

Purchases made for this month:

1) MAT Qty: 29 shares for $34.44 9/2/14

2) NUS Qty: 23 shares for $41.85 9/5/14

3) AGU Qty: 11 shares for $91.66 9/9/14

4) GSK Qty: 21 shares for 46.72 9/11/14

5) AFL Qty: 25 shares at $58.33 9/29/14

6) UTX Qty: 15 shares at $105.00 9/29/14

FRIP (Dividend Received for this month)

TGT - $22.36

CVX - $21.40

MCD - $41.31

RIG - $94.50

BAC - $40.40

NUS - $7.94

Total Dividends:  $227.91 (Currently in my FRIP account, I will invest when the balance hit @ $1,000.)

Total Brokerage Account: $79,238


Taxable  Investment: $125,712 Consist of my index funds total international & total stock market index funds.

Total: $125,712

I was able to contribute $2,000 to Total Stock Market Index.

Dividend Received: $603.00


TIRA: $12,249 (Vanguard Total Stock Market Index Funds)

Dividend Received: $55.00


Vanguard Total Bond Market Index - $31,351

Vanguard Total Stock Market Index - $11.493

Total: $42, 845

Dividend Received: $118.00


Vanguard Institutional Index Fund - $37,636

Vanguard Small Cap Index - $7,172

Vanguard Total Bond Market Index - $14,879

Vanguard Total International Index - $14,149

Total: $73,837

Dividend Received: $260.00

Lending Club: $11,555 (+105.00)- I did not contribute anything here just gained from interest.


CC debt: Paid off some of my debt from last month.

Only expense was internet which was $129.00.

Personal Home: Regular Monthly payment.

Rental Home: Regular Monthly payment.

Total Passive Income: for this month including lending club: (+1,368)

Previous month goals:

  • Contribute at least $1,000 – $3,000 to Vanguard Total Stock Market Index fund. Completed
  • Start saving up more capital,  I might be making a job changing decision soon so my finance might change  bit. So I want to increase my saving a bit just in case I decided to change my job. Completed
  • Continue to buy more dividend stock expecting to purchase 2 – 5 dividend stocks, and also expecting dividends next month. Completed

Goals for October:

  • Contribute $2,000 + to my vanguard taxable account.
  • Purchase 2-5 dividend stock.
  • Continue to save for upcoming vacation and possible job change in my checking account.

My net worth is down to -$11,651, due to the market and I have decided to change how I calculate my personal & rental home. I was using zillow zestimate before, but I have decided to use my original appraisal value for both of my house, due to the fact that zillow is not accurate. I have taken the conservative approach that way its seem to be more accurate. From now on I will leave it at the appraisal value until I decide to do another appraisal in the future.

I am also changing the way I keep track of things, before I was only tracking my dividend in taxable accounts. From now on I will track all of my accounts including my retirement account. So I made several changes and hope it give a more accurate picture. My numbers might be off a little bit because I don’t round off my numbers. I am still improving my record keeping so bare with me.

In October I am preparing for my upcoming vacation so I will be expecting my expense to go up a bit from October to November.

How was your September net worth?

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