November 2017 Net Worth Update


This is my official November 2017 Net Worth Update. Below are my actual numbers for ALL my investments and liabilities as of 11/30/2017. Detailed explanations and a quick summary can be found below. If you would like to see my previous months net worth posts, please visit my Net Worth Tracker.  I have been tracking my net worth monthly since May 2015.  If you want to learn how to track net worth then check out how I am doing it.

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net worth spreadsheet November 2017





Quick Summary and comments: +$9,736

This is me in Colorado this past month on our big road trip. Love Colorado!


I just love seeing my net worth continue to go up every month.  It makes me feel warm and cozy inside and it also lets me know I’m doing things right.   One of the main reasons I even created this blog was to be able to track my financial growth and hold myself accountable to my financial and investment decisions.  This monthly net worth post gives me great insight and historical reference to my progress.   When I first started tracking my net worth which was literally my very first blog post I ever did, I had a net worth total of $310k.  I guess I am just proud of myself that I have been able to consistently grow my small fortune.   It’s not like I can just talk to my friends and family about this kind of stuff so it feels great to write it out.   I do however speak to my wife all the time about this stuff.    I’m sure she is bored to death of it by now.

Anywho, the only real growth I saw this past month was in my cash position and that is mainly because I received $3k in interest payments from that hard money loan I did plus all my other income I earn.  I actually did spend a lot of cash though as my wife and I just came back from a 3 week road trip.   I still have not figured out exactly how much we spent and I doubt I ever will.   It’s best I just don’t know about it hehe!!    To be honest, we really didn’t spend all that much.  Gas was cheap because of the minivan and we had free lodging for half the trip so we saved a ton of money.


Personal Life Update:  Well if you didn’t read my last post, I revealed that my wife is pregnant.  So she’s still pregnant (thank god) and everything is going great on that end.  We also just came back from a huge road trip which was super cool.  We had a blast but are happy we are back now in Indy after such a long trip.   Our next trip probably will not be until February.  Other than that, not much else going on except we put up our Christmas tree and I will be putting up a bunch of xmas lights outside our house this weekend some time.   The holidays are officially here and I am enjoying it.


Real Estate Investing Update:   Last month I revealed my newest venture into hard money lending.  Well that same loan is still in play and I made a whopping $3k in interest for November.  That is a lot of money and really high returns.   That loan will get paid off though sometime in December in which I will be able to get into another one of theses shortly after.  It’s exciting and I am pleased to be able to make this money on the side.   Once I am done with these short-term hard money loans, I will get back into looking for my next rental property.

Okay enough about that, lets jump into my net worth categories.

Assets: Explanations of each of my assets.

Cash:   +$9,381 

Cash is going up because of the hard money interest payments I received as well as my income from all my other stuff (w2 job and cash flow from the real estate investments).   Good stuff!

My cash as noted above in the spreadsheet consists of my wife and I’s checking account and my REI (Real Estate Investing) checking account.   Satisfied! 

HSA account: -$322

Well the baby doctor visits have begun and we will probably see this number in the negative for a long time.  I think, I actually have no idea.  This is my first baby.   🙂

My HSA contributions are minimal right now but because of the baby coming, I may increase these contributions now.  Will speak to my wife to decide the best course of action.    Satisfied!

Company Stock Options: +$86

A small increase in my stock options.  These are hovering at all time high’s and I am always wondering if I should cash them all out now.  Since I am not hard-core pressed for cash right now though I will just let it sit there.  Hopefully it will continue to grow.

These are stock options from my day job. I am fully vested.    Satisfied!

Stock Portfolio: $60

My stock portfolio is built of precious metal mining stocks.   It has been on what seems a negative slope for months now but this is just the nature of the game for this industry.  These are highly volatile and I am keeping these until the economy crashes and gold sky rockets.  I’m in it for the long haul on these as I think it’s just a matter of time before the precious metal sector takes off.    Overall I am still profiting from these stocks as I bought them for dirt cheap a long time ago when the precious metal sector was at its peak low.

I bought all my shares using tradeKing  which is now Ally.    Satisfied!

401K: +$150

I made an executive decision awhile back to take money out of my 401k and no longer contribute any more money to it. Mainly because I do not get matched contributions from the dreadful day job. But also because I KNOW I can make better returns using that money on rental properties.    Any movement you see in this asset is only from market fluctuations.   I am not able to withdraw the remaining amount in here until I quit my job.   I really don’t like the idea of having an account that punishes me to take money out because of age. Satisfied! 

Property # 1 (Indianapolis, IN)

All is good with my primary residence.  We are still thinking of fixing up our backyard a bit but just haven’t out of laziness and wanting to save money.  We would like to build a deck and a fire pit so we can spend more time outside especially now it’s cold.  That is my favorite time of the year.  The only problem of course is that it cost’s a lot of money to build a deck.  I may get a few quotes to see exactly how much.

My primary residence in Indianapolis.  This was originally a turnkey property I bought back when I lived in Austin.     I bought this house for $67k almost 2 years ago.   Spent an additional $30 in renovations when  I moved into this house.  I love the location, the size of the house and because my mortgage on it is less than half of what I was paying when I was living in Austin, TX.    Super Satisfied!   Here are more details on when I originally bought this one as a rental property.

Property # 2 (Austin, TX)

Rent paid on time this,  no repairs although I am anticipating replacing the roof on this one sometime soon.  The roof is 17 years old.   The tenants have been amazing to date and I will always be sure the house is in good working order for them.  This is the property I self manage in Austin.   Even now that I live in Indy, I will continue self managing this one.  I think I can do it from afar and if in the future I realize that I can not continue being my own property manager, then I will probably just find a PM to handle it.

This is my first rental property.  It’s actually the first house I ever purchased.  I bought it when I moved to Austin and it was my primary residence for a long time.  I originally never had plans for it to become a rental property but when I discovered the beautiful world of real estate investing, I knew I would someday convert this one to a rental.   I expect gradual appreciation from this property because it is in the suburbs Austin which has been growing tremendously.  Love me some HOT markets!           Satisfied!

Property # 3 (Indianapolis, IN)

Rent paid on time and no repair requests made.     These tenants in the past have been super picky and have requested more repairs than any of my other tenants, mostly really small stuff but at the end of the day, they are a good family and I am happy to keep them.

Grow your net worth today with your FREE Personal Capital account.

This is my first turnkey rental property I purchased out-of-state in Indianapolis. I do not expect much appreciation on this property. I purchased this for CASH FLOW purposes only. Satisfied!

Property # 4 (Indianapolis, IN)

This tenant decided to pay for me for 8 solid months back in July.  So rent payments are not an issue until the lease is up.  No repair requests were made.     This property was the one that  I fired my property manager from originally when I first bought it as a turnkey rental properly.

This my 2nd turnkey rental property in Indianapolis I do not expect much appreciation on this property. I purchased this for CASH FLOW purposes only. Satisfied!

Property # 5 (Austin, TX)

Mortgage paid on time. No issues. This is a note that I own from a house that I sold via owner finance in the Austin area.  If you notice though, the reason why this asset will continue to go down from the spreadsheet above is because it is a note and the principal balance on it goes down each month as the buyer pays me. Remember, I’m the lender on this one. Satisfied!

Property # 6 (Independence, MO (KC))

My property manager was able to get a qualified tenant, they should have moved in just this past week but I never heard from my PM to confirm.  I sent them an email about it today.   This property was only vacant for less than a month.    This is the last turnkey rental property I purchased located in the Kansas City area.  I bought this in late October 2015. I purchased this property also for CASH FLOW purposes only. I am not expecting appreciation gains on this one. Satisfied!

Property # 7 (Indianapolis, IN)

Rent paid on time and zero repair requests.   This one was the property I wanted to convert to an airBnb but since the tenant renewed the lease, I will put the airbnb venture on hold.   The tenant has been great so far and I don’t want to ruin that.  Easy cash flow baby!!

I bought this rental property from a wholesaler here in Indy after I moved here.  I paid this one in cash and it came with a properly screened and paying tenant which was great.  The property needs some fixing up however I won’t mess with it until after the tenant moves out or submits repairs.   This is the one I really want to convert to an AirBnB.   Satisfied!

Property # 8   (Indianapolis, IN)

This property is currently vacant and has been now for close to 3 weeks.  We are not getting good candidates yet.  I’m going to have to lower the rent price on this.  The problem is no one is moving around this time of the year.   This is a horrible time to do a turnover.  Hopefully by next month it will be rented.  If not, I am seriously thinking about converting this to an airbnb.

I bought this house from a wholesaler here in Indy for $65k in a very popular Indy neighborhood back in late October 2016.   I finished the rehab on this one in late November/early December 2016 and got it rented out for $950 just in time for Christmas.   December is not easy to find a qualified tenant.  Not only did my property manager find a qualified tenant but the tenant signed an 18 month lease so that we both don’t have to deal with a vacancy/move in December again.  Talk about a Christmas miracle!!!   Satisfied!

Property # 9  (Indianapolis, IN)

This is my newest rental and so far I have received all the rent payments on time.  No repair requests made.  I am not expecting any repairs anytime soon as I fully rehabbed this house.      Satisfied!

I bought this home as a foreclosure off the MLS.  Paid in cash, fixed it up and rented it out.  Check here for all the numbers and details of this property.

Liabilities: These are self-explanatory so I wont dive too deep into these however I would like to include the items below for informational purposes.

Credit Card

I only use one credit card (rewards card) that I use to purchase my everyday expenses. I pay this off in full every month. I am receiving 1.5% cash back on this card and am very pleased with it. Satisfied!


Last 30 days net worth graph from Personal Capital

This month’s chart shows a nice steady growth.  Nothing crazy but in the right direction for sure.   I love this chart though. It looks great and its nice and big.

net worth Nov 2017


If you want to set up and track your net worth online like I do, create a FREE account at Personal Capital.

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Cash Flow Diaries


  1. Looking good! Glad to hear wife and baby are doing good. Increasing net-worth and creating happiness sounds like a good plan to me. Enjoy the Holidays!

    • No they just moved out early but are still paying the rent until I get it filled.

  2. Great month. Love seeing the cash balance increase. And that is great news that your wife is doing okay and everything is looking great from that perspective. Keep up the great work.


    • Thanks Ninja!

      Most of my properties are managed with a professional property manager. Its actually barely any work at all to be honest. On bad months, it would be a few hours per month. Most months I spend less then 40 minutes. Nothing to it.

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