Net Worth Update

As of September 1st, my net worth was $128 775 (up 1.9% from $126 412). If I exclude house-related assets and liabilities, my net worth was $87 442 (up 2.5% from $85 336). Another good month, considering that we were on vacation. Of course, we didn't spend a lot for vacation (we seldom do) and the stock markets were generally good to me.

Assets ($189 874, up 1.2% from $187 623)

• Bank Accounts $4 509 (up 1% from $4 466)
• Emergency Funds $2 368 (up 4.5% from $2 265)
• RRSP Accounts $56 426 (up 1.9% from $55 371)
• Non-Retirement Investments $27 878 (up 3.8% from $26 865)
• Home $98 430 (stable)

Liabilities ($61 099, down 0.2% from $61 211)

• Credit Cards $3 934 (up 2.9% from $3 822)
• Mortgage $57 097 (down 0.4% from $57 353)
• Line of Credit $0 (stable)

Ratios

• Debt / assets: 0.321 (down from 0.326)
• House value / total assets: 0.518 (down from 0.525)

Next may see some rise on the credit cards, as well as some additional expenses for the house. We have been late in ordering the second batch of replacement windows, and I need to get to it if we want them to be installed before winter (about $3K). My car is also being repaired right now, because the air conditioner failed and the driver's window electric motor is dying (about $700).

On the other hand, I'll soon be maxed out on the mandatory contributions to the employment insurance and Quebec Pension Plan, so my net pay will increase for the rest of the year.