Net Worth Update

As of October 1st, my net worth was $133 563 (up 3.7% from $128 775). If I exclude house-related assets and liabilities, my net worth was $91 973 (5.2% from $87 442). A surprisingly good month, but this had more to do with how the stock market moved than anything else, as this caused two-thirds of the increase. I did watch my expenses more than usual, though, to cut down a bit on unnecessary spending. So it was more a matter of what I didn't do than what I did. :o)

Assets ($194 419, up 2.4% from $189 874)

• Bank Accounts $4 811 (up 6.7% from $4 509)
• Emergency Funds $2 471 (up 4.3% from $2 368)
• RRSP Accounts $58 407 (up 3.5% from $56 426)
• Non-Retirement Investments $30 093 (up 7.9% from $27 878)
• Home $98 430 (stable)

Liabilities ($60 856, down 0.4% from $61 099)

• Credit Cards $3 972 (up 1% from $3 934)
• Mortgage $56 841 (down 0.4% from $57 097)
• Line of Credit $0 (stable)

Ratios

• Debt / assets: 0.313 (down from 0.321)
• House value / total assets: 0.506 (down from 0.518)

The first payment for the new windows hasn't gone through yet, so this will impact the next update. I have reduced my monthly infusion of money into my DRiPs, as I will need to pay the balance of the windows in November. I want to do that using accumulated cash instead of having to dip into my emergency funds.