Personal Balance Sheet, February 2007 ($77,994, +3.66%)

February wasn’t as nice to me as January was, particularly thanks to the stock market issues in the last days of the month. So while overall I’m only up 3.66% in the last month, my non-invested accounts are up 7.23%.

Here are some notes. I’m now including a line for my company stock purchase plan to separate it from my brokerage investments. The amount in the plan currently has not been invested yet. It will remain cash until March 31, at which point I’ll be able to purchase stock at 15% below the lesser of the January 1 or March 31 price of the company stock. I plan on selling this stock at the first point I can, but I have to wait for an open trading window.

Take a look at the numbers before I get to the rest of the notes.

2007024.gif

As always, the credit card account is simply an “current accounts payable” account. That balance will be paid in full towards the end of the month, by which time I will have accrued more regular expenses on the card. I like this credit card because every once in a while they send a rebate check. I happened to receive one this month, and I’ll share the details in my income and expense report, which will be posted shortly.

As time passes, I am still slowly paying off my debt. My car loan at 2% should be completely paid off in September. The student loan will take some more time. I could pay a good portion of it off immediately, but I want to keep my cash around as I am looking into buying a condominium later this year.

I’ll get around to writing about my income and expenses after I have dinner.

Scroll down to read 8 comments on “Personal Balance Sheet, February 2007 ($77,994, +3.66%).”

Did you enjoy this article? If so, please share!
Add to: Tip'd | Facebook | Delicious | Reddit | Digg

Get the RSS feed or enter your email address:

Related Entries on Consumerism Commentary

8 Comments on “Personal Balance Sheet, February 2007 ($77,994, +3.66%).” To add your own comment, scroll down.

  1. #1: Sun
    Thursday, March 1, 2007
    9:24 pm (reply)

    It’s great that your investments didn’t suffer a lot (still positive gain) from recent market down turn. Just curious, are those gains from contribution or from appreciation? We managed to stay positive for February only because we made some big contributions. Otherwise…

  2. #2: Flexo
    Thursday, March 1, 2007
    11:07 pm (reply)

    Sun: The positive gain in the investments is due to my contributions. On performance alone, my investments were mostly down for the month. Breaking it down, I had $1,321 in deposits and a loss of $278 in market value.

  3. #3: mnc
    Friday, March 2, 2007
    8:04 am (reply)

    Likewise, I stayed positive for February due to my contributions as I took a hit there at the end of the month like most everyone else.

    Being relatively new to your site, I thought I would ask if you have ever made these spreadsheets available for download? This looks like a great spreadsheet.

  4. #4: Flexo
    Friday, March 2, 2007
    9:16 am (reply)

    mnc: Welcome! Here are the spreadsheets I use (though my data is imported from Quicken): balance sheet and income/expense report.

  5. #5: mnc
    Friday, March 2, 2007
    9:28 am (reply)

    Flexo, thanks for pointing me to those two posts with the links for the spreadsheets.

  6. #6: Sun
    Friday, March 2, 2007
    12:10 pm (reply)

    That explains. I guess it’s quite common for many people that any positive result is likely due to contributions. If the big hit came early in the month, we probably still had time to recover, but not on the last day of the month. Your loss was moderate though.

  7. #7: Golbguru
    Monday, March 5, 2007
    11:06 pm (reply)

    Even with a $278 loss in market value you are in a pretty good shape. Plus, 3.66% growth over a bad month is pretty good compared to what I have heard from some other people. So congratulations on that.

  8. #8: » Personal Balance Sheet, March 2007 ($87,999, +13.81%) on Consumerism Commentary: A Personal Finance Blog
    Sunday, April 1, 2007
    10:32 pm (reply)

Leave a Comment

Enter your comments below. Please note: Use of a non-personal web site or blog in the field below and/or comments that are off-topic, personal attacks, or support requests will likely be removed at my discretion.

Copyright of comments belongs to the comment author, but I reserve the right to edit comments for formatting or content.

Add a photo or icon to your comment by creating an account on Gravatar.

Welcome to Consumerism Commentary

Consumerism Commentary is a blog for men and women who wish to make the most of their financial lives. Read more about Consumerism Commentary.


Cash Loans
FNBO Direct
ShareBuilder - Welcome page

Credit Card Offers

Recent Comments

FNBO Direct

Best of Consumerism Commentary

Recent Articles

Recent Topics on C3 Forums

Popular on pfblogs.org

Subscribe via E-mail

Tip'd
Click here to start saving with ING DIRECT!

Contributors

Disclaimer

The authors of Consumerism Commentary are not professional financial advisers and no text within this website should be considered financial advice. Any individual who makes financial decisions based solely on the information contained within does so at his or her own risk. Always consult a financial professional.

About Advertising

This website contains advertisements, usually listed as “sponsors.” Some links are for products or services for which Consumerism Commentary is an "affiliate." No articles within the blog are advertisements disguised as blog entries. Consumerism Commentary is not compensated for any content, except for advertising sold. This site contains no Pay-Per-Post (or similar) articles.

Privacy Policy

Carnival of Personal Finance