New start in a new country

peaceofmind · **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%)

peaceofmind · **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!

- US IRA value rose, finally!
- Assets and net worth both back in green territory.

- 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%)

peaceofmind · **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%)

peaceofmind · **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%)

peaceofmind · **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%)

peaceofmind · **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%)

peaceofmind · **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%)

New start in a new country

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