So much for a Santa Rally! I suppose asking for a rally after a 24% YTD gain is pretty greedy, but it was still not the way I think most of us were hoping the end of the year would go. I’m still pondering how to organize the first full year of detailed expense-tracking I’ve done, plus I need to think on the results in general, so for now, we’re sticking with the boring ol’ net worth update.
| Category | January 2025 | Change |
|---|---|---|
| Savings | $138,757 | -2% |
| Investments | $401,366 | -2% |
| Cars | $54,503 | +0.01% |
| House | $591,315 | -0.2% |
| Retirement | $621,597 | -0.9% |
| Mortgage | -$350,862 | -0.2% |
| Credit Cards | $0 | -100% |
| Car Loans | $0 | 0% |
| Net Worth | $1,456,676 | -1% |
| Invested Assets | $1,022,963 | -1% |
At last, the 0% credit card debt is gone and I can stop thinking about paying it off early. As for the rest of it… well, putting percentages on it actually is a nice option, because “down 1%” sounds a lot better in my head than “down almost $20k.” On the other hand, 24% YTD. 24% YTD! What a year.
Violet Sky 
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