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April 2011 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 anyway.


1. Cash – $30,300 ($400 up)
2. Stocks – $20,500 ($900 up)
3. Retirement – $57,800 ($3500 up)
4. Home – $130,000 (same)
5. Cars – $16,000 (same)


1. Home – $66,000 (down $300)

Total Net Worth = $188,600 instead of $183,500
Increase/Decrease = Up $5100 from last month (WOOT!!!)

Yay for blogging income (more than $2000 last month)!  We even spent $900 on our summer vacation tickets as well, so I am pretty happy with our overall increase!

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 archives to see our past net worths.

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6 comments to April 2011 Net Worth

  • $5,000 is a huge jump in net worth for just one month. Congrats!

    Since my wife and I are now out of debt, we’re beginning to track our net worth as well. We’re steadily increasing by $2,000-$3,000 per month, but since my business is beginning to take off, this has been increasing as well! YAY!

  • MikeS

    Yeah on being up $5,000. And a Woot!! for the blogging income. Fingers crossed that it continues and you’re able to quit your job.

    My net worth sits at $51,768, up $12,117 since the end of February. Gotta love the annual bonus. It’s going to take a hit when we close on the new house at the end of the month. Probably in the neighborhood of a $20k decrease.

  • Just curious, what is the purpose of the “Stocks” category and “retirement” category? Is the “stocks” group in a taxable account? Any particular reason?

    I’m really just curious, not quizzing you :P

  • @Laura, thanks!

    @LifeAndMyFinances, woot, way to go!

    @MikeS, I remember closing on our home and saying goodbye to $24,000…it sort of hurt. Good luck!

    @JT, “Stocks” is our Scottrade account – easily accessible and what we will be using to bridge the gap between early retirement and the date we can withdraw from my 401(k) without penalties. “Retirement” is my 401(k) and both of our Roth IRA’s. Thanks for asking!

  • Edwin

    I couldn’t help notice that there have not been any recent Net Worth updates!!!! I just recently found your site and would love to see how far you’ve come in the last year and a half! :)