Wednesday, November 02, 2005

Monthly Review & Net Worth Report - October 2005

Net Worth as of 11/1/2005


* Other Assets = condo deposit

Previous month's report: click here.

Highlights:

The negative change in my ESPP is due to last quarter's funds being converted to stock and moving to my brokerage account, which accounts for the positive change in the latter despite investments being down.

Interest income for the month was $141.23.

Investments, both personal and retirement, lost over $1500 total.

Both my 401k and ESPP at MS kicked in in time for this month and saved what could have potentially been a red month.

Savings from take home came to a little over $1500, the highest since starting this blog thanks to cost cutting measures like brownbagging, eating in and carpooling.

Income v Expense:

Expenses for the month of October totalled $3565.69, the lowest ever. Here's the breakdown:

Household (rent & utilities) - $1118.90
Auto (car, carpooling & gas) - $398.17
Food - $436 (most of it due to that 1 memorable weekend)
Entertainment - $29.51 (Cable+Netflix)
Shopping - $0 (returned the $192 splurge from Oct 8 the very next week so net is zero)
Personal - $0
Gifts - $0
Misc - $0
Magazines -$12.93
Vacation - $75.45 (tax on tickets booked with miles)
Tax - $1494.73

I am still on some kind of a weird spending freeze which accounts for the long column of $0s. Entertainment cost was also low because although I did go out several times this month they were either special occasions at friends' houses or dates and other than the cost of homemade cheesecake and a couple of bottles of wine (and a few reciprocal homecooked dinners in the question of my date) none of it cost me anything.

Magazine cost, although better than prior months, is still too high.

October Score: B- (Savingswise I did pretty well this month but saving is only half the game. I have to maximize my investments or at least understand the world of investments well enough to know they are doing as well as they could be)

2 Comments:

At 11/03/2005 7:43 AM, Blogger Brian said...

Nice idea to give yourself a monthly score...hadn't noticed that in the past.

 
At 11/05/2005 7:26 AM, Anonymous pfadvice said...

Thought you might like to see how you compared to other personal finance bloggers in October:

PF Bloggers Net Worth - October 2005

Sorry about that other comment...got the wrong month...

 

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