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 Post subject: Re: New start in a new country
PostPosted: Tue Oct 11, 2011 12:44 pm 

Joined: Tue Jan 26, 2010 10:08 am
Posts: 113
- Paid my second premium for home insurance in 2011, so that came out of savings.
- US IRA value dropped like a stone again. :( UK Pension earned a bit of money, though (on top of my contributions), so yay.
- First time my asset section has gone down since I started these updates.
- First time my net worth has gone down since I started these updates, too. :(
- Still, made progress on some goals.

Code:
ASSETS [$258,773.09 + ¬£19,880.09]† †Net Change: -258.08
-----------------------------------------------------------
US Checking† † † † † † $1,832.23 (+† † $126.14)
US Savings† † † † † † $13,071.87 (-† † $287.30)
US IRAs† † † † † † † †$28,368.99 (-† $2,206.94)
UK Checking† † † † † † ¬£1,575.31 (+† † ¬£389.14)
UK Savings† † † † † † †¬£3,682.77 (+† † ¬£426.07)
UK ISAs† † † † † † † †¬£10,593.46 (+† † †¬£29.64)
UK Pension† † † † † † †¬£4,028.55 (+† ¬£1,265.17)
House† † † † † † † † $215,500.00


LIABILITIES† † † † †[$169,736.46]† †Net Change: -243.17
-----------------------------------------------------------
Mortgage† † † † † † †$169,736.46 [4.99% 30yr fixed]
Home Equity LOC† † † † † † $0.00 [4% variable]

NET WORTH:
$89,036.63 + £19,880.09 (-14.91)

Goals:
1. 2012 Cash ISA £5,500 (?)
£1,750.00 (31%)

2. 2012 Property Taxes $3,000
$0.00 (0%)

3. 2012 Home Insurance $1,000
$63.20 (6%)

4. Year-Off Fund £38,500
£8,747.14 (22%)

Total: $4,000 + £44,000
$63.20 + £10,497.14 (22%)


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 Post subject: Re: New start in a new country
PostPosted: Fri Nov 11, 2011 2:14 am 

Joined: Tue Jan 26, 2010 10:08 am
Posts: 113
- Got my final payment (including bonus) from my last job, which bumped up the year-off fund quite a bit! :D
- US IRA value rose, finally!
- Assets and net worth both back in green territory. :D
- Traveling to the US in a bit to visit family, so will have to watch expenses. Last time I spent ~$500 over 2 weeks, hoping for about that amount again (might be a challenge as I'm dragging the b/f along, so there'll be two of us to expense for rather than one).
- Government has finalised its number for the 2012/13 Cash ISA limits, so I've updated that goal below.

Code:
ASSETS [$262,174.66 + ¬£21,824.40]† †Net Change: +5,345.88
-----------------------------------------------------------
US Checking† † † † † † $2,117.04 (+† † $101.91)
US Savings† † † † † † $13,356.61 (+† † $284.74)
US IRAs† † † † † † † †$31,201.01 (+† $2,832.02)
UK Checking† † † † † † † ¬£987.63 (-† † ¬£587.68)
UK Savings† † † † † † †¬£4,877.63 (+† ¬£1,194.86)
UK ISAs† † † † † † † †¬£10,620.40 (+† † †¬£26.94)
UK Pension† † † † † † †¬£5,338.74 (+† ¬£1,310.19)
House† † † † † † † † $215,500.00


LIABILITIES† † † † †[$169,492.28]† †Net Change: -244.18
-----------------------------------------------------------
Mortgage† † † † † † †$169,492.28 [4.99% 30yr fixed]
Home Equity LOC† † † † † † $0.00 [4% variable]

NET WORTH:
$92,682.38 + £21,824.40 (+5,590.06)

Goals:
1. 2012 Cash ISA £5,640
£1,893.10 (33%)

2. 2012 Property Taxes $3,000
$0.00 (0%)

3. 2012 Home Insurance $1,000
$355.69 (35%)

4. Year-Off Fund £38,500
£19,971.14 (51%)

Total: $4,000 + £44,140
$355.69 + £21,864.24 (46%)


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 Post subject: Re: New start in a new country
PostPosted: Mon Dec 12, 2011 4:19 pm 

Joined: Tue Jan 26, 2010 10:08 am
Posts: 113
- Just got back from the US trip. Did not spend <= $500, but that's okay, I bought quite a bit of things much cheaper than I'd get here, and they'll last me a good long while. Savings this month may be on hold this month as a result, we'll see.
- Back to job hunting. It'll be nice to be working and earning a pay check again.
- Started basic lawn maintenance on the house to start prepping it for sale next summer (with luck). Money came out of savings for that.
- Joined a gym, which came out of savings as well.

Code:
ASSETS [$261,711.64 + ¬£23,396.16]† †Net Change: +1,108.74
-----------------------------------------------------------
US Checking† † † † † † $1,903.95 (-† † $213.09)
US Savings† † † † † † $13,424.47 (+† † †$67.86)
US IRAs† † † † † † † †$30,883.22 (-† † $317.79)
UK Checking† † † † † † ¬£1,121.91 (+† † ¬£134.28)
UK Savings† † † † † † †¬£5,007.41 (+† † ¬£129.78)
UK ISAs† † † † † † † †¬£10,648.33 (+† † †¬£27.93)
UK Pension† † † † † † †¬£6,618.51 (+† ¬£1,279.77)
House† † † † † † † † $215,500.00


LIABILITIES† † † † †[$169,247.09]† †Net Change: -245.19
-----------------------------------------------------------
Mortgage† † † † † † †$169,247.09 [4.99% 30yr fixed]
Home Equity LOC† † † † † † $0.00 [4% variable]

NET WORTH:
$92,464.55 + £23,396.16 (+1,350.93)

Goals:
1. 2012 Cash ISA £5,640
£3,172.41 (56%)

2. 2012 Property Taxes $3,000
$0.00 (0%)

3. 2012 Home Insurance $1,000
$423.55 (42%)

4. Year-Off Fund £38,500
£19,971.14 (51%)

Total: $4,000 + £44,140
$423.55 + £23,143.55 (48%)


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 Post subject: Re: New start in a new country
PostPosted: Wed Jan 11, 2012 3:09 am 

Joined: Tue Jan 26, 2010 10:08 am
Posts: 113
- Paid 2011 property taxes, which came out of savings.
- Almost out of the $169k range for my mortgage!

Code:
ASSETS [$258,543.03 + ¬£23,844.06]† †Net Change: -2,720.71
-----------------------------------------------------------
US Checking† † † † † † $2,000.00 (+† † †$96.05)
US Savings† † † † † † $10,184.09 (-† $3,240.38)
US IRAs† † † † † † † †$30,858.94 (-† † †$24.28)
UK Checking† † † † † † ¬£1,238.56 (+† † ¬£116.56)
UK Savings† † † † † † †¬£4,058.81 (-† † ¬£948.60)
UK ISAs† † † † † † † †¬£10,679.14 (+† † †¬£30.81)
UK Pension† † † † † † †¬£7,867.55 (+† ¬£1,249.04)
House† † † † † † † † $215,500.00


LIABILITIES† † † † †[$169,000.88]† †Net Change: -246.21
-----------------------------------------------------------
Mortgage† † † † † † †$169,000.88 [4.99% 30yr fixed]
Home Equity LOC† † † † † † $0.00 [4% variable]

NET WORTH:
$89,542.15 + £23,844.06 (-2,474.50)

Goals:
1. 2012 Cash ISA £5,640
£4,298.81 (76%)

2. 2012 Property Taxes $3,000
$77.63 (2%)

3. 2012 Home Insurance $1,000
$500.00 (50%)

4. Year-Off Fund £38,500
£19,971.14 (51%)

Total: $4,000 + £44,140
$577.63 + £24,269.95 (51%)


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 Post subject: Re: New start in a new country
PostPosted: Sat Feb 11, 2012 3:45 am 

Joined: Tue Jan 26, 2010 10:08 am
Posts: 113
- The markets were good to me this month, finally making some recovery.
- Finished up my ISA for next year, so now it's on to saving for the house expenses.
- Almost into 5 digits for my UK pension. :)
- Still waiting to get paid for my first month of work, so that should bump up the year-off fund more.

Code:
ASSETS [$260,607.81 + ¬£26,024.42]† †Net Change: +4,245.14
-----------------------------------------------------------
US Checking† † † † † † $2,000.00 (+† † † $0.00)
US Savings† † † † † † $10,629.33 (+† † $445.24)
US IRAs† † † † † † † †$32,478.48 (+† $1,619.54)
UK Checking† † † † † † ¬£1,189.41 (-† † †¬£49.15)
UK Savings† † † † † † †¬£4,564.93 (+† † ¬£506.12)
UK ISAs† † † † † † † †¬£10,706.29 (+† † †¬£27.15)
UK Pension† † † † † † †¬£9,563.79 (+† ¬£1,696.24)
House† † † † † † † † $215,500.00


LIABILITIES† † † † †[$168,753.64]† †Net Change: -247.24
-----------------------------------------------------------
Mortgage† † † † † † †$168,753.64 [4.99% 30yr fixed]
Home Equity LOC† † † † † † $0.00 [4% variable]

NET WORTH:
$91,854.17 + £26,024.42 (+4,492.38)

Goals:
1. 2012 Cash ISA £5,640
£5,640.00 (100%)

2. 2012 Property Taxes $3,000
$522.87 (17%)

3. 2012 Home Insurance $1,000
$500.00 (50%)

4. Year-Off Fund £38,500
£19,971.14 (51%)

Total: $4,000 + £44,140
$1,022.87 + £25,611.14 (55%)


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 Post subject: Re: New start in a new country
PostPosted: Tue Mar 13, 2012 1:40 am 

Joined: Tue Jan 26, 2010 10:08 am
Posts: 113
- Qualified for a 0%, no-fee balance transfer, so used that to take a big whack at my mortgage.
- As a result, $13.50 more of my next regular mortgage payment went towards principal! Usually I gain about $1.00 in extra principal each month.
- The system didn't process the "no fee" part, so I'll need to chase that up and make sure that the fee gets refunded.
- UK pension value's over 10k! :) Not bad for 9 months of funding.

Code:
ASSETS [$262,652.13 + ¬£27,449.06]† †Net Change: +3,468.96
-----------------------------------------------------------
US Checking† † † † † † $2,000.00 (+† † † $0.00)
US Savings† † † † † † $11,351.62 (+† † $722.29)
US IRAs† † † † † † † †$33,800.51 (+† $1,322.03)
UK Checking† † † † † † ¬£1,275.00 (+† † †¬£85.59)
UK Savings† † † † † † †¬£4,564.93 (+† † † ¬£0.00)
UK ISAs† † † † † † † †¬£10,733.51 (+† † †¬£27.22)
UK Pension† † † † † † ¬£10,875,62 (+† ¬£1,311.93)
House† † † † † † † † $215,500.00


LIABILITIES† † † † †[$168,087.90]† †Net Change: -665.74
-----------------------------------------------------------
Mortgage† † † † † † †$165,384.90 [4.99% 30yr fixed]
Home Equity LOC† † † † † † $0.00 [4% variable]
Credit Card† † † † † † $2,703.00 [0% until March 2013]

NET WORTH:
$94,564.23 + £27,449.06 (+4,134.70)

Goals:
1. 2012 Cash ISA £5,640
£5,640.00 (100%)

2. 2012 Property Taxes $3,000
$1,245.16 (41%)

3. 2012 Home Insurance $1,000
$500.00 (50%)

4. Year-Off Fund £38,500
£22,896.14 (59%)

Total: $4,000 + £44,140
$1,745.16 + £28,536.14 (62%)


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 Post subject: Re: New start in a new country
PostPosted: Mon Apr 16, 2012 5:53 am 

Joined: Tue Jan 26, 2010 10:08 am
Posts: 113
- Got my fees refunded on the no-fee balance transfer, without having to nag.
- UK pension value's over 10k! :) Not bad for 9 months of funding.
- Moved into a new flat, so a fair bit of money went towards security deposits and rent and whatnot. It's 2/3 the cost of the old flat, though, so yay.

Code:
ASSETS [$263,341.75 + ¬£28,476.79]† †Net Change: +1,717.35
-----------------------------------------------------------
US Checking† † † † † † $2,000.00 (+† † † $0.00)
US Savings† † † † † † $11,486.74 (+† † $135.12)
US IRAs† † † † † † † †$34,355.01 (+† † $554.50)
UK Checking† † † † † † ¬£1,275.00 (+† † † ¬£0.00)
UK Savings† † † † † † †¬£4,564.93 (+† † † ¬£0.00)
UK ISAs† † † † † † † †¬£10,761.56 (+† † †¬£28.05)
UK Pension† † † † † † ¬£11,875.30 (+† † ¬£999.68)
House† † † † † † † † $215,500.00


LIABILITIES† † † † †[$167,637.86]† †Net Change: -450.04
-----------------------------------------------------------
Mortgage† † † † † † †$165,014.86 [4.99% 30yr fixed]
Home Equity LOC† † † † † † $0.00 [4% variable]
Credit Card† † † † † † $2,623.00 [0% until March 2013]

NET WORTH:
$95,703.89 + £28,476.79 (+2,167.39)

Goals:
1. 2012 Cash ISA £5,640
£5,640.00 (100%)

2. 2012 Property Taxes $3,000
$1,430.28 (47%)

3. 2012 Home Insurance $1,000
$500.00 (50%)

4. Year-Off Fund £38,500
£22,896.14 (59%)

Total: $4,000 + £44,140
$1,930.28 + £28,536.14 (63%)


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