My Personal Finance Journey

Personal finance observation, musing and decisions in a journey toward financial independence by 2020 with at least $3 million.


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Monthly Update - January 2015 ($1,969,771, -$12,136)

Contributed by mm | February 21, 2015 5:07 AM PST

Our back-to-back five-figure monthly asset growth finally came to an end. In the month of January 2015, our net worth dropped over $12K, or about 0.6%. On a trailing 12 months basis, our war chest still delivered a comfortable improvement of $305K, or 18.4%.

Our household balance sheet, along with monthly, year-to-date, and trailing 12 months comparison, are shown below:

6454-networth.jpg

Several factors contributed to our year-start misfortune. First, our USD-denominated investment, which amounts to about $400K, dropped $7,500 due to market conditions. Our investment in the China market didn't help either -- it managed to lose $600 in the month on a $1M portfolio.

Second, the CNY/USD foreign exchange (FX) rate extended its slow decline and caused over $9,000 drop in our USD-based net worth reports. In the last three months, we saw a total FX impact of $24K.

On the brighter side, we saved over $5,000 from our paychecks -- some of that is due to employer contribution to my Health Savings Account as well as a reduced tax at the beginning of the year.

All in all, we are not too surprised that our monthly report occasionally shows some red ink. We are very sure with our diligent saving efforts and conservative investing, we will soon be arriving at the $2M milepost.

This Post Has Received 9 Comments. Share Your Opinions Too.


Dorene Zeller Commented on February 21, 2015


Have you been looking for a loan?Do you need an urgent personal or business loan?contact Dennis Hopkins Finance Home he help me with a loan of $300.000 some days ago after been scammed of $2500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $300.000.Feel free to contact the company for a genuine financial service. Email: dennishopkins_financehome@live.com or dennishopkins69@yahoo.com or www.dennishopkinsfinance.de.vu Tel: USA +12404374240 +12092314524 Tel:UK +447509546091.He is a trust worthy man


Ovalles Commented on June 27, 2016

I want to thank Julia Navaro for the loan given to me by her loan company NAVARO LOAN COMPANY. Needed a loan to start a my boutique and didn't know how to get a loan until I was introduce to NAVARO LOAN COMPANY by a friend online and she approved my loan of $300,000 with minimum income of $10 and now am a successful woman. If you need a loan from any country and of any amount at an interest rate of 2% contact Julia Navaro at
Navaroloancompany@yahoo.com and live a happy life.


JORDAN Commented on October 29, 2016


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