Net Worth Update – September 2016

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Welcome to my monthly net worth post for September, 2016. Each month, I post a complete breakdown of my net worth, along with a chart showing the progression of my net worth since the start of this blog. Posting my net worth helps keep me accountable for what I do with my money, and motivates me to make better choices and push to reach new goals. You can see previous net worth updates here

Once again this month, I’m late getting the numbers out. And honestly, I don’t really have a good excuse. Work has been busy, and other than that, we’ve just been enjoying life. Things really are great right now!

Well, my handle on my money situation could probably be a little better:

September 2016 Net Worth:

Net Worth as of September 29, 2016.
Net Worth as of September 29, 2016.

September ended up being a much spendier month that I expected. I bought things. Several things. Expensive things. Honestly, I bought said expensive things because we found some really great deals. And, we were planning on buying them anyways. And, I had the cash available to buy them. Granted, I wasn’t planning to buy said expensive things in September. But I was planning to buy them eventually. And that’s kind of the same thing, right?

I thought (and felt) a lot about buying expensive things during the month of September. Had I not bought expensive things, my net worth would currently be about $800 higher. And, as a (sometimes) personal finance blogger who feels like she finally has her finances together, aren’t I not supposed to even want to buy things? Sure, I’m putting 25% of income into my 401(k) plan. But I could be saving so much more for the long-term. Or even for the medium-term. I look at my savings goals, and most of them are short-term things. I’m dreaming of buying stuff. Aren’t I supposed to be above stuff?!?! 

Eventually I came to the conclusion that I am not a minimalist frugalista. Nor do I necessarily want to be. Bryan and I aren’t big shoppers. And we try to make sure our purchases are well thought out. But yes, we like having nice things. We like stuff. Especially stuff that makes our lives better, or easier, or less frustrating. Or even just funner. So, on occasion, we buy stuff. Expensive stuff. And some months, we buy a lot of expensive stuff. $800 worth of expensive stuff. And then we move on, knowing that the world isn’t going to end, and our future plans aren’t at stake, just because we bought expensive stuff.

So, I only had $730 in growth during the month of September. Which is about half of what I would have expected. If I’m being completely honest, I don’t foresee having any big growth months left in 2016. After all, the Holidays are coming. We’re still going to travel some this year. We might buy more expensive stuff. My net worth will keep growing, albeit at a slower pace. And the world won’t end.

Net Worth Progress Chart:

Monthly Net Worth since the start of this blog (February 2013).
Monthly Net Worth since the start of this blog (February 2013).

At some point in the next week I hope to get the spending numbers together. And then we can talk more about the expensive stuff that was bought. Maybe I’ll even put together a post about our expensive plans for the future? Maybe…

  • Cindy W.


  1. Sometimes… you just need to get stuff. You are living within your means. You still saved as well. It was a good month! 🙂

    1. I think I have to get over the mindset that there’s something wrong with spending money, or not saving every cent possible. Everyone has different goals. And different is okay!

  2. On the other hand your investments are appreciating nicely. Great portfolio growth.

    1. Thanks! It really helps that I’ve upped my contribution rate substantially (compared to what it was). I’m looking forward to how this looks month/years down the road!

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