I’ve gotten a bit behind, and instead of posting three separate articles (although I guess that would be good for post counts).  I figured I would lump these three together and get back on track.  Additionally I am going to try a different format.  I like graphical representation on things, but the charts seem like they take up too much room.

Income:

This summer was a pretty big boom as far as income goes.  Lady Kit raking in money hand over fist.  However, that would have quickly led to burnout.  She is now settled in at her new job, and hasn’t picked up any relief shifts November’s income is what I expect our bare bones income to look like.  I also simplified that chart as I feel I have made the point that Lady Kit is the one earning the majority of our income now (my job however provides us affordable health insurance).

Expenses:

Our expenses have gone up quite a bit.

• September was our first mortgage payment (this will be constant for the next seven years unless we refinance or sell).
• October was pretty high as that included our trip to New York City.  Travel hacking is still a work in progress.  Because of the house and car purchases I didn’t have a chance to maximize credit card sign-up bonuses.  As a result we paid for the hotel out of pocket (flights were still free).  All get another post going over trip soon (I mean it was only 6 weeks ago).
• November our restaurant bill was a a lot higher than normal as we visited family a couple of times and paid for meals with them (we do pretty well financially so we try and pick up the tab at these family gatherings).

Additionally our utilities have been fluctuating quite a bit.  In August we found a faucet next to meter that was left on at trickle which caused our bill (due in September to be really high $190).  October’s electric bill had 2 months of electricity on it based on when I paid it.  In November we got a rebate on our electric bill.  We also purchased a cord of firewood for the winter (listed under home expenses for November).  Next month utilities will be super high as electric bill is about $100, and we had our first propane fill-up which will be about $350 (hopefully we’ll only need two fill-ups a year or less).

Net Worth:

The last few months on net worth has been tough to look at.  We are making more than we are spending still, but due to market cycles we are down about $17,000 from our high at the end of August.  At the end of November we are down to $384,690.  I hope we can still finish off the year at $400,000 though.

• Cryptocurrency – Paper losses have been huge this year down from a high of about $50,000 to a current value of $10,000.
• House – We purchased for $600,000, but it appraised at $650,000.  The “Zestimate” that is shown on Personal Capital due to their affiliation with Zillow currently has is $604,503.
• Equities – October was a good test for resolve in down markets.  No selling here though, just continuing to shovel money in.