Another month down, another month closer to FIRE! This month was a has personally been a bit tough for me. I broke up with my now ex-girlfriend over issues that I think have been rearing their heads for a while – let’s just say I saw the light and don’t think that she is compatible not only with the type of lifestyle I want, but also my pursuit of personal ambitions (which are non financial related). I truly believe if a person who really wanted the relationship to work out would be supportive of you and not make you choose via ultimatums, so let’s just leave it at that. It’s tough because we still have feelings for each other and you always think maybe if we were under different circumstances all our issues would all go away – wishful thinking I guess.
I might be posting a little less over the coming couple months because I am locking down and studying for my CFA Level III exam, which is in June. I will still post these monthly portfolio updates, but very likely I will stop doing the other posts because that time is better spent studying – I do not want to fail and wait another year to do the exam!
Anyway, on to the numbers for this month.
- Cash: $1,321.61
- Shares: $35,051.77
- Mutual Funds: $11,793.91
- Cryptocurrency: $6,865.80
- Real Estate: $1,034,000
- Superannuation: $42,326.79
- TOTAL: $1,131,359.88 (vs.1,129,229.32 last month)
- HECS: $12,466.96
- Mortgage 1 (PPoR): $282,365.02
- Mortgage 2 (IP): $382,222.42
- TOTAL: $677,054.40 (vs. $677,439.64 last month)
- $454,305.48 (vs. $451,789.68 last month or +0.56%)
In summary, it’s good news is that it’s green all around – assets increased, liabilities decreased and net worth increased. Bad news is that it’s as if I barely paid off any money into the mortgages. It’s a reduction of not even $400 for the month.
In hindsight and consideration, I have been spending a bit more than usual – the car registration and insurance was due this month. Water bill was due this month. I spent a bit more than I wanted on the now ex-girlfriend as I tried to salvage the relationship. It was my mothers birthday also so I treated her and some family to dinner.
With all of this going on and I was still in the green, I can’t really complain. Onwards and upwards!