This is caused by quite a bit of cash going out to yearly expenses -- car registration, filling the oil tank of the house, paying for the windows. These were planned for, and I had the cash available to pay for those. It still impacted my net worth.
The stock market also went down again in January, so my RRSP accounts suffered again. My non-registered accounts increased, in part because the companies there held up fairly well, but also because I keep adding money there.
Assets ($134 669, down 1.3% from $136 390)
- Bank Accounts $3 990 (down 17% from $4 785)
- Emergency Funds $3 383 (up 0.1% from $3 378)
- RRSP Accounts $30 033 (down 5.7% from $31 861)
- Non-Registered Investments $11 058 (up 6% from $10 400)
- Home $86 100 (stable)
Liabilities ($66 228, up 0.5% $65 873)
- Credit Cards $4 601 (up 13% from $4 086)
- Mortgage $55 110 (down 0.2% from $55 230)
- Heat Pump Loan $6 439 (down 0.7% from $6 492)
- Line of Credit $0 (stable)
I have some more big expenses coming in for February, with the first payment of the municipal taxes for the house. My plan is to watch my spending to cut things back a little. I will also have some overtime that should be paid to me soon, although this may slip to early March.
So, nothing to worry about, but I'll have to be more careful with unecessary spendings.
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