It’s that time again. Time to own up to the facts and share my detailed financial position with the world. Continue reading this post to see if this has been a good month or a not-quite-as-good month. First my net worth, then my income and expenses.
Things are moving forward, although the progress is slow. The accuracy of my “cash” account is likely a little off. As you can see, I started the year with no cash on hand (it’s easier to start from a blank slate), but I certainly don’t have $200+ in my wallet. What happens here is that there are some cash expenses that escape my notice. An error of $250 over the course of the year isn’t so bad.
My savings have increased, but so has credit card debt. I pay that off every month, so it’s not an issue. I’ve been holding off on my car loan payments (which I have the flexibility to do) as I’m preparing to pay for my bed this month. (I didn’t accrue for this.)
Strangely once again, the value of my 2004 Honda Civic increased in price according to edmunds.com. When I check the value again and I find the number has gone down, I’ll normalize the value for November to help the depreciation make sense.
Now let’s look at my income and expenses.
Nothing out of the ordinary. Some income from quasi-volunteering and overtime at my day job helped boost things a little during November. That dividend income was automatically reinvested.
Here you see the negative depreciation reflected in the Auto expense category. It was a slow month for groceries, which may explain why I feel thinner. Actually, with one week spent in California, most of my expenses for that week were covered by family… there was always food in the house and I didn’t go out partying.
The medical expense is the remainder of my oral surgery that was not paid for by my insurance (Aetna).
December will likely be not as fortunate a month. I’ll be taking the expense for the bed this month as well as making sure my girlfriend is happy for the holidays. Overtime should come in handy in that regard, although that same overtime means less time with her. Working — a double-edged sword.
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