August 2015 Spending $3300.02
My apologies to all you money voyeurs. I normally look forward to this spending and net worth post with great gusto, but I've found myself in the clutches of morning sickness which was exacerbated by the pungent aroma of Subway each time I attempted to leave my office building during the last two weeks.
Because I had to go into the office for two weeks, I decided to drag my husband and Kenny along for a "work-cation." Generally speaking, "work-cations" are poor idea, but it is helpful for us to combine work trips with personal travel, so that we can have the opportunity to see our families more frequently. During the trip, Kenny developed an affinity for Costco hot dogs and morning popsicles, courtesy of my mom who babysat during the times that Rob was working on his school work. Meanwhile, I had my Minnesota card revoked for proclaiming the weather too cold when the lows never dipped below 55 Farenheit.
However, my personal woes are not the reason you're reading this post. This month's (non-giving) spending came in at a very reasonable $3300.02. Childcare comprised $1200, and travel (two plane tickets, bus passes, and tanks of gas to visit Rob's family) accounted for $641.19. All my other spending was comped, and my husband and son spent no money outside of the aforementioned transit.
The only other spending of note was $388.91 spent on our car which included a 30 mile tow from the airport to a car repair shop and a new alternator. Our average car spending this year is now up to $197/month on an average of 350-400 miles per month of driving (and this is with shockingly low fuel prices for most of the year). Yikes!
We're hopeful that our car repair/replacement fund will actually have a few thousand dollars in it 6-7 years from now when we replace our dear Camry, but at the rate we're going, we'll have to dip into some other savings to deal with our future tragic loss.
Overall, we were pleased with our spending and of course the opportunity to see our families.
Net Worth $451,926 (down $19,316)
Despite our low spending, and my auspicious timing for this post (all rental income has already been credited to our accounts unlike most months where it is a pending transaction), our net worth has taken a beating.
We are down by 7-9% in all accounts where we did not add money, and only our cash, checking and property have maintained their balances (or grown).
However, this downward movement will be nice for us, since we have plenty of cash flow to take advantage or these low market prices, and no reason to dip into our stock accounts. We'll also be holding onto some cash to prepare for the delivery costs of our newborn in mid-March. This shouldn't be too expensive (around $3-$4k), but we're fairly committed to keeping our HSA invested if possible.
So how did your net worth fair? Did you take a beating like us?
I'm a wife, a mom, an employee, and a personal finance nerd who is devoted to spreadsheeting my way through life.