February 5th 2018

We bought our house last march for $225,000 and put around $48,000 down on it. We started paying extra in October when our finances finally settled down from relocating stateside. Our goal is to have the house paid off in 2027! So I will start tracking our progress here.


Our net worth is as follows:


House Fund decreased due to

-$48k downpayment

-New roof

-New kitchen (new cabinets, countertops, appliances, backsplash, floors, and electrical)

-New flooring throughout house

-Painted inside and outside of house

-New exterior and interior doors

-New baseboards throughout

-Some landscaping

We plan to keep this house as an investment property but we may return to it when my husband retires.

March 2017 Net Worth

We finally hit $200k net worth in February! Soon our cash balance is going to change drastically because we are buying a home. We are putting 20% down on the house plus it’s a fixer upper. I am planning to track all our housing expenses on this blog as well as trying to pay the house off as fast as we can.



Notes: I shifted some investment around for tax year 2016. I moved $1200 from the Fidelity account into my Roth.


2016 in Review

Our net worth increased by $24,165 in 2016.  Our total take home pay including our tax return was $72,424.88. So we ended up saving 33.37% of our annual pay. Not to shabby! Last year we saved a whopping 36.5% of our income. I think the main reason for the decline in our savings rate was our European cruise.

*Please note I removed the car fund since that is an expense account


August 2016 Net Worth

So, coming into August we still have $5,500 we need to save in order to hit our $92,000 housing fund goal. That’s a saving of $1,375 for the next 4 months which is going to be pretty steep!  I just paid $1,400 towards our annual car insurance bill out of the car fund at the beginning of this month leaving another $275 due plus we have our annual car tax which is about $350. Next month is our daughters birthday and we are taking her to Disneyland Paris which is already paid for except the train ticket from our local city into London and of course food and whatever else we buy at the theme park. Hopefully we can stay around $500 for the rest of that vacation. Good news is we almost have a net worth of $180,000! 🙂