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Monthly Update

Personal Income Statement, July 2007 (Net Income: $4,646)

by Luke Landes

to get a complete picture of my finances as of July 31, 2007, please read my latest balance sheet if you haven’t done so already. This is the second part of my monthly reporting, the income and expense statement. This was another out-of-the-ordinary month. The lease on my new apartment began at the end of ... Continue reading this article…

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Personal Balance Sheet, July 2007 ($102,011, +2.4%)

by Luke Landes

If you’re new to Consumerism Commentary, this may seem like a strange concept. Every month I share my financial reports down to the dollar. It is a summary of all of my account balances as well as a rough estimate of the value of my larger assets. It is not a complete net worth report ... Continue reading this article…

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Personal Income Statement, June 2007 (Net Income: $2,223)

by Luke Landes

Late last night, I published June’s balance sheet. This is my income and expense report, which goes hand-in-hand with the balance sheet, explaining a little bit about how my net worth changed from May 31 to June 30. Thankfully, my higher-than-normal expenses were matched by higher-than-normal income. Here are the details.

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Personal Balance Sheet, June 2007 ($99,506, +1.33%)

by Luke Landes

The balance sheet I’ve been tabulating for the past few years leaves out a few important items. My report doesn’t include my personal property other than my car, nor does it include the tax I’d have to pay if I liquidated all of my assets. Therefore, it’s not accurate to call the bottom line my ... Continue reading this article…

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Personal Income Statement, May 2007 (Net Income: $8,173)

by Luke Landes

If you haven’t already, please read my May balance sheet for the first part of this story. After an April in which my expenses outweighed my income (thanks to gifts purchased and tax owed), I was back in the game in May and posted a net income above $8,173, although almost $3,000 is “realized gain” ... Continue reading this article…

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Personal Balance Sheet, May 2007 ($98,224, +8.65%)

by Luke Landes

Thanks to more cash on hand and some investment growth, in May I came precariously close to a personal milestone: a six-figure net worth. This may not be that significant to most people; in fact, I’m not quite sure there is any significance for me. The actual number isn’t as important as what I’m doing ... Continue reading this article…

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Personal Income Statement, April 2007 (Net Loss: $117)

by Luke Landes

Have you checked out my latest net worth report? Here is its companion, my income and expense report for April 2007. Although my bottom line increased this past month, it wasn’t due to saving or spending. My income this month totaled $7,731, but my expenses came to $7,848. This was the first month in a ... Continue reading this article…

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Personal Balance Sheet, April 2007 ($90,496, +2.41%)

by Luke Landes

After a strong net worth increase in March, April ended up a little cooler. Now that I re-combined my “business” assets and liabilities with the rest of my finances, I’m looking at slightly different numbers than last month’s report. My liquid accounts are down this month by 5.21 percent, thanks to a hefty tax bill. This ... Continue reading this article…

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Personal Income Statement, March 2007 (Net Income: $13,529)

by Luke Landes

As I mentioned in my latest net worth report, in March I fared much better than February, thanks to a confluence of a few events. I’ll get to that shortly. To summarize, my income totaled over $18,000 this past month thanks to a three-paycheck month, a bonus, higher than average income from my side business, ... Continue reading this article…

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Personal Balance Sheet, March 2007 ($87,999, +13.81%)

by Luke Landes

In the same respect that February 2007 was not the best, March provided significant improvement for my bottom line. My liquid accounts are up more than 21 percent, and my investments (including contributions) are up 9.69 percent. Over the past few months, I started separating my business assets, but now that I’ve given it some thought, I’m ... Continue reading this article…

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Personal Income Statement, February 2007 (Net Income: $3,057)

by Luke Landes

February was another positive month, little thanks to the day job. Don’t get me wrong, I’m happy to have a steady job where I’m appreciated and benefits are provided at low cost. Even though I’m keeping my expenses down, I’m still relying on my side income to get me through the month. I also received ... Continue reading this article…

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

by Luke Landes

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 percent in the last month, my non-invested accounts are up 7.23 percent. Here are some notes. I’m now including a line for my company stock purchase plan ... Continue reading this article…

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Personal Income Statement, January 2007 (Net Income: $5,415)

by Luke Landes

If every month this year turns out like January 2007, I’ll have nothing to complain about, except the amount of work I have to do. You might want to check my balance sheet first, or jump right into my income and expenses.

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Personal Balance Sheet, January 2007 ($75,174, +9.16%)

by Luke Landes

The first month of the year started off with a nice net worth increase. I now have five years’ worth of financial history recorded in Quicken. At the end of January 2002, my net worth was $9,394… below zero. I had no investments, nothing in my bank account, student loans and a small bit of ... Continue reading this article…

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Personal Income Statement, December 2006 (Net Income: $2,866)

by Luke Landes

The following table describes my income and expenses for the month of December 2006. It follows my balance sheet, so if you’re interested in peeking into my finances, take a look there first. Otherwise, read on to find out how I ended up with $2,866 after all my expenses were paid this month.

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Personal Balance Sheet, December 2006 ($70,108, +4.19%)

by Luke Landes

Thanks to dividends paid to me in my 401(k), I broke past $70,000 to close out the year at $70,108! I know that among 30-year-old financial bloggers like myself, that may not be an impressive number. Considering most of my adult life I was making less than the cost of working, I’m satisfied so far. ... Continue reading this article…

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Personal Income Statement, November 2006 (Net Income: $2,250)

by Luke Landes

You may have already viewed this month’s balance sheet. What follows is my income and expense report, in which I look at where my money came from and where it went. After all expenses were paid, I ended up with $2,250 of my November income remaining. That’s lower than the last several months, but I ... Continue reading this article…

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Personal Balance Sheet, November 2006 ($67,377, +5.54%)

by Luke Landes

Here’s my latest balance sheet, a listing of the end-of-month balances for my bank and investment accounts with a few assets and liabilities. This is used to calculate my net worth each month. Any month in which I’ve come out ahead of the previous month I consider a success, and November was good. Continue reading ... Continue reading this article…

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Personal Income Statement, October 2006 (Net Income: $3,583)

by Luke Landes

This is a big chart, thanks to the large number of categories of spending I have. Perhaps that’s a sign I spend too much. On the other hand, I managed to spend in October 2006 the least I’ve spent since January 2005. I thought I was going to do better, but filling up the rental ... Continue reading this article…

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Personal Balance Sheet, October 2006 ($63,922, +8.13%)

by Luke Landes

I’m looking at a nice percentage increase in my net worth over the past month. The increase was assisted by helpful side income and decent performance in my investments. Continue reading to see the numbers. I know you want it.

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