November was a mixed month as I celebrated (yet again) my 30th birthday and I had a great thanksgiving weekend, but fiscally speaking it was sub-par at best and frustrating at worst.  Despite increasing my 401(k) contributions, saving more liquid cash than average and buying more dividend paying stocks then I ever had before I basically tread water this past month.

What is Included in My Net Worth?

The assets I include are:

  • My Cash Savings Accounts
  • My 401(k)
  • Random Non-Qualified Investments Accounts
  • The Wife’s Roth IRA
  • My Small but Awesome Dividend Investment Portfolio which I will update in the next week to include other dividend lists besides the dividend aristocrats
  • Value of my House
  • My Traditional IRA

The liabilities I include are:

What is missing?

  • Car loan  – Paid it off about 6 months ago
  • Credit Card debt – Don’t  have any except a revolving AMEX account so no reason to put it up
  • Checking Accounts – Always changing and moving kept low on purpose so no reason to track it
  • Cars – Wife’s is leased and I don’t consider mine an asset

How I Calculate my Net Worth?

The simple answer is subtract liabilities from assets, but I am not entirely comfortable putting the number completely out there, so I came up with a system where I took my January 2011 positive net worth made it a zero.  Feel free to check out my absolute zero net worth post.  This way I can share my gains and loses.

  • From November 1, 2011 to November 30, 2011 my net worth increased only 1.32%
  • From January 2011 to November 30, 2011 my net worth has increased 64.41%

I am always happy with a positive increase it is a bit disheartening to do everything right throughout the month and to a greater extent then I have ever before just to stay in the same basic place.

Will I do anything different? Probably not since it seems that my net worth is starting to get tied more and more to the stock market.


How did you do this month?