Saturday, November 3, 2018

September 2018 Net Worth - up to $860k

In September, we reached another all-time-high net worth, growing another $7k to $860,846



CASH

Our cash balance stayed pretty flat again as expected. Mrs DIY$ took a trip towards the end of the month leaving me home alone with all the kids for a weekend, but It ended up being a really inexpensive trip since we travel hacked her flight and the the rest of her trip cost about the same as it would have if she were home. 

We’re still shooting to get this closer to $25k, but it will be a few more months before we’re there. I’m getting a raise in October and we’ll allocate some of it to build up savings.

INVESTMENTS

Our investments went up, but not by much more than what we added during the month. I still haven’t switched to have more of the zero cost index funds but do plan to do so at some point. 

One of the components in our investments category is our HSA. By the end of this year, we’ll have enough in our HSA to cover more than our annual out-of-pocket maximum, so are considering stopping additional contributions and shifting to even larger extra principal payments on our mortgage. My employer will still add to my HSA, but we just don’t think we need to since it is now large enough to cover any medical emergency we could have. 

HOUSE/MORTGAGE

September was the last month before we are increase what we pay as our new normal mortgage payment. We’re so close to dropping below $150k, and while that’s still a lot it feels like an exciting milestone.

Not too long ago, our upstairs air conditioner went out and we had to get a new blower motor. Several hundred dollars later, we were back in business. Fast forward a few weeks when I was putting one of my kids to bed and noticed his bedroom floor was wet. He swore he hadn’t spilled anything, and just as I was about to call him out for lying I noticed that the ceiling was dripping. Oops. 

I went into the attic and found that the air conditioner drip tray had filled up and was overflowing into the ceiling. I used the shop-vac to suck up all the water and threw out the insulation and tried to trouble shoot. I couldn’t figure it out, so we had the same company come out that had just fixed the unit to see if it was because they disconnected something and they determined that it was just a clogged drain. They didn’t charge us for fixing the clog, but it’s all fixed now and all we had to do was repaint the ceiling. Oh, the joys of homeownership. 

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