Net Worth Update

As of December 1st, my net worth was $46 360 (down 0.5% from $46 579). The stock market was choppy and though this month, but started to recover at the end.

If I exclude house-related assets and liabilities, my net worth is $37 231 (down 0.4% from $37 367).

Assets ($124 334, down 0.3% from $124 747)

• Bank Accounts $3 622 (down 3.3% from $3 747)
• Emergency Funds $2 556 (down 32% from $3 747)
• RRSP Accounts $31 306 (down 2.2% from $31 999)
• Non-Registered Investments $5 632 (up 24% from $4 542)
• Home $75 600 (stable)
• Arbitrage $5 000 (stable)

Liabilities ($77 975, down 0.25% from $78 168)

• Credit Cards $6 362 (up 3% from $6 171)
• Student Loan $2 665 (down 8.5% from $2 911)
• Mortgage $56 680 (down 0.2% from $56 785)
• Heat Pump Loan $7 151 (down 0.7% from $7 198)
• Arbitrage $4 895 (down 2.1% from $5 000)

This month, I did about half of my Christmas shopping, and refilled the oil tank for the house. These expenses went on the credit cards. Some money from the emergency funds was used for a temporary purchase in the non-registered investments -- it will be back in the emergency fund in December. I put about $1000 in the RRSP this month, at that wasn't enough to compensate completely for the down markets. Choppy indeed!