Thursday, November 29, 2018

November 2018 Net Worth

All figures except my Jeep value are generated from 

After a really shaky October, the markets (stock and housing) have bounced back by almost $16,000. It actually feels good going through these ebbs and flows without having the safety net of a day job. Ironically it bothers me less now than when I was working all the time.

My home is now at the highest book value ever. I have no plans on selling it, but it still feels good to see the value steadily increase. I think the low value this year was in the $125k and it currently is around $139k.

The stock market now is about break-even on the year. My credit card debt is at the highest level in 15 years. I continue to pay the balances in full each month. I decided to open a Chase Sapphire account, an Amegy Amazing Card, and a Capital One Savor card. 

I have already received 53k in points from Chase. I just received the spend requirement for the Amegy card and that means $150 in credit card rewards. That doesn't seem like much, but I also opened a $50 checking account and a $1000 money market account with Amegy. These each will pay me $200 after 90 days. This means I will receive $550 total from Amegy. 

Finally I just received my Cap One Savor Card and will receive $500 once I spend $3k in 90 days. 

Fortunately between October and December my property tax, yearly auto insurance, & homeowner's insurance are all due. Combine that with my recent California trip and I easily can meet the spend requirements without manufacturing any spending. So I will receive over $1500 for expenses that would have occurred anyway.

I'm looking for to future credit card churning opportunities!!


Checking --- $4,177
Savings/Investments --- $362,502
Lending Club --- $2908
HSA --- $2,644
IRA --- $9,666
401K --- $353,054
2014 Jeep Wrangler --- $21,500
House --- $139,429



Net Worth


YTD Totals


Jan 2018 --- $917,116
Feb 2018 --- $910,667

Mar 2018 --- $909,746
Apr 2018 --- $903,416

May 2018 --- $889,032
Jun 2018 --- $893,278

Jul 2018 --- $892,002
Aug 2018 --- $896,619

Sep 2018 --- $899,763
Oct 2018 --- $876,927

Nov 2018 --- $891,402


May 2017 --- $835,009
July 2017 --- $851,904 

Aug 2017 --- $860,072
Sept 2017 --- $869,374

Oct 2017 --- $887,033
Nov 2017 --- $897,145

Dec 2017 --- $914,266

There is no down time when building a path that doesn't lead back to ZERO


  1. MDP -

    Nice job racking up banking rewards, always fun. Plan on staying with Amegy at all?


    1. Hey Lanny! I actually plan on it. They have a 2.25% 1 year CD rate that is pretty impressive compared to Chase. I keep funds in a few different banks and Amegy aside from it's promos and CD rates offers a small town banking atmosphere that I enjoy.


  2. It's always nice to see an increase in net worth! Market has been really volatile for the last couple of months and I think it's going to continue for a while.

    You are not too far from a million, which sounds just a huge amount of money! That is almost ten times my net worth.

    1. DD,

      Thanks for stopping by and commenting! You'll get there soon enough. I remember having a negative net worth at 32 years old. Fast forward to 46 and I am FI. Keep at it!