I know, I know… your week just couldn’t go on, and you were feeling lost without it.
I’m sorry. I’ll due my darnedest not to let it happen too often in the future! 
So, here we go, a bunch of raw numbers to throw at you:
| Nov30’06 | Dec31’06 | Change | |
| Assets | |||
| Liquid Assets | |||
| Checking | $151.16 | $29.58 | ($121.58) |
| Cash | 10.00 | 1,350.00 | 1,340.00 |
| ING Orange Savings | 10.92 | 10.96 | 0.04 |
| HSBC Savings | 3,587.06 | 3,196.17 | (390.89) |
| Total Liquid | $3,759.14 | $4,586.71 | $827.57 |
| Semi-Liquid Assets | |||
| Firstrade ROTH | $183.24 | $196.74 | $13.50 |
| Firstrade SIMPLE | 6,304.16 | 6,388.43 | 84.27 |
| Wife’s Rollover IRA | 45,397.61 | 45,626.63 | 229.02 |
| Total Semi-Liquid | $51,885.01 | $52,211.80 | $326.79 |
| Illiquid Assets | |||
| Our Home | $54,000.00 | $54,000.00 | $0.00 |
| Our Vehicles | 5,250.00 | 5,250.00 | 0.00 |
| Gifted Property | 45,000.00 | 45,000.00 | 0.00 |
| Total Illiquid | $104,250.00 | $104,250.00 | $0.00 |
| TOTAL Assets | $159,894.15 | $161,048.51 | $1,154.36 |
| Liabilities | |||
| Credit Card Debts | |||
| Chase | $6,234.83 | $20,625.00 | $14,390.17 |
| American Express | 0.00 | 0.00 | 0.00 |
| Total Credit Cards | $6,234.83 | $20,625.00 | $14,390.17 |
| Other Debts | |||
| Home Mortgage | $39,524.72 | $39,480.21 | ($44.51) |
| Low Energy Loan | 16,814.63 | 16,700.03 | (114.60) |
| Line of Credit | 10,503.43 | 2,571.55 | (7,931.88) |
| Total Other Debts | $66,842.78 | $58,751.79 | ($8,090.99) |
| TOTAL Liabilities | $73,077.61 | $79,376.79 | $6,299.18 |
| NET WORTH | $86,816.54 | $81,671.72 | ($5,144.82) |
And of course, a note or ten:
- Our HSBC savings took a little hit. No emergency occurred; just taking out the money set aside for buying our Xmas gifts along with another scheduled bill or two. It was fun watching that slowly creep up, but I see more non-monthly bills coming up on the calendar. So I imagine we’ll see some more retreat on that front. But then, that’s precisely what that fund is for…
- Early in December, I decided to take my chances and, in order to save a little interest expense, rolled that used portion of the line of credit over into a 4.99% interest for the life of the transfer to the Chase card. Yes, I know, it will only save a few hundred a year, but a hundred here, a hundred there, and pretty soon you’re talking about some real money. It was as painless as writing out a balance transfer check, and if Chase starts messing around with the terms, I’ll just transfer it back out.
- Received two bills from the grand renovation for just under $4,000 and, in almost the same breath (ok, not really, unless you take incredibly slow breaths… but not separated by more than a couple days), received a $5,000 bonus. People really light up when you slap down a wad of hundreds. I’m going to call it debt repayment because, well, I can and really, that’s what it was… So, four days into the year, and I’m a fifth of the way to my debt repayment goal. Good progress so far! Now if I could somehow just convince the boss to give me a big bonus every month, I’d really be cranking away at this debt!
- Yeah, that was a pretty big jump up in total liabilities, wasn’t it? Especially considering I just got through telling you I used up most of my bonus on debt repayment (or that jump would be even bigger). I warned you there were bills coming up, and right I was. C’est la vie. I’m not thrilled with the increase by any means, but I knew they were coming. And I’m expecting a few more…
- Just as a note to myself, I’m going to have to set up an alternate way to track debt repayment for that goal I made a couple days ago rather than Debt Balance on 1/1/07 less Debt Balance on 12/31/07. That way won’t quite be accurate, because the 1/1/07 Balance is missing several outstanding amounts that presumably will be arriving soon. I’m thinking I’ll just adjust that beginning one as the bills come in for anything done pre-January 1, 2007. (Thinking aloud, excuse me…
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[tags]debt, report card, credit cards, mortgage, investments, assets, liabilities[/tags]
