September 2011 BFS Newsletter Giveaway – $25 Amazon Gift Card!

Welcome to the September 2011 BFS Newsletter Giveaway!!!

Thank you for subscribing. I hope you like the newsletter itself!  If so, please help me reach my 150 subscriber goal by the end of the month by telling people all about it.  icon smile September 2011 BFS Newsletter Giveaway   $25 Amazon Gift Card!  

This month’s giveaway prize is a $25 Amazon Gift Card! All you need to do is leave a single comment below by September 30th, 2011 to enter to win!

It’s not required, but I’d appreciate it if you would leave a question for me as your single comment.  The “Ask Crystal” section is way more fun if someone is asking me something.  But if you’re plum out of ideas, feel free to say anything at all.  icon smile September 2011 BFS Newsletter Giveaway   $25 Amazon Gift Card!

I truly appreciate all of you!

The official stuff:

1) Contest ends September 30th, 2011 at 11:59pm Central time.
2) ONLY ONE COMMENT/ENTRY PER PERSON.
3) The winner will be selected randomly and notified by email by October 3rd, 2011.

4) The prize will be held for 2 calendar days. If it isn’t claimed, a new winner will be randomly picked and contacted.
5) I reserve the right to reject comments that I consider spam or invalid entries.
6) An invalid or incorrect email address automatically disqualifies you from the drawing…it’s hard to contact a fake email…
7)
Local laws, rules, and regulations apply.

August 2010 Net Worth

Please also feel free to check out and comment on my staff writer post, 5 Criteria for My Future Car, at Sweating the Big Stuff today! icon smile August 2010 Net Worth

For anyone new to BFS, I post a net worth update at the beginning of every month in order to keep myself motivated and to involve BFS readers. Please feel free to ask questions, make suggestions, or even post your net worths too. I am a participant-motivated blogger, so please jump on in.

I calculate our net worth as listed below. I don’t include the value of our possessions, I round down to the nearest hundred for assets, and I round up to the nearest hundred for liabilities. I also don’t include my husband’s pension account since I’m too lazy to keep up with it and it shouldn’t actually matter until he retires.

Assets
1. Cash – $11,200 ($1300 up)
2. Stocks – $16,400 ($400 down)
3. Retirement – $34,900 ($900 down)
4. Home – $130,000 (same)
5. Cars – $16,000 ($2000 up.  Here’s something really odd – both of our cars APPRECIATED…my best guess is that gas prices and a bad economy are driving used car prices up for high gas mileage vehicles…needless to say, I was pretty dang surprised)

Liabilities
1. Home – $70,400 (down $600)

Total Net Worth = $138,100 instead of $135,500
Increase/Decrease = Up $2600 from last month

Okay, so crazy car appreciation may not be a great way to grow your net worth, so I’ll be proud of the other $600.  icon smile August 2010 Net Worth

I base the value of our home on two things: comparables selling in our neighborhood and the estimated appraisal by Chase Home Value Estimator. I will always estimate very low.

I base the value of our cars on Kelley Blue Book’s Private Party Value of our vehicles in “Good” condition truncated down to the nearest $1000. For example, if my car is valued at $4600, I’d calculate that as $4000.

Please feel free to visit the archive to see our past net worths.