June’s Numbers

As of July 2, 2015, we are $302,926.95 in debt with a mortgage.  We currently have $873,163.41 in assets.  Our investment accounts are at $471459.58. Our Net Worth is $570,236.46, down from $574,404.90, last month (0.73% decrease).

We’re socking away money to pay for Daughter Person’s tubes this month, so I made the “minimum” payments – the minimum payment on the car is something like $283 because I’ve paid so far ahead, but I consider the minimum to be $500 (actual monthly payment is $484).

The markets were not very friendly this month, despite putting almost 5k into our accounts, we still “lost” money.  I’ll be happy when the Greece situation is settled so that the markets can go back to generally rising 🙂

We’re still recovering from moving, and generally just trying to not spend much at all, rebuilding a slightly larger e-fund, and since our car loan is 0%, in no rush to pay that off until we’ve “rebuilt”.

We’ve also had to come up with a down payment on a new car ($2000) with 0% financing and $1000 cash back – assuming they can get it in for us by the end of the weekend.  Dad’s Accord trade-in value is “scrap”, yet they’re giving us $500 for it – the transmission is dying, plus the SRS light = time to get a new car. We thought we wanted a Prius v, but we test drove one and really didn’t care for the handling on it, it was OK, but it was lacking some oomph.  We test drove a Camry hybrid – and were blown away with the features and how it felt to drive.  The dealer we test drove at was extremely annoying (we told them we had to leave by 4, and they kept the keys to our Accord “hostage” until 4:15 – needless to say, I don’t care what kind of price they give me, I’m not buying from them).  I went through the USAA car buying program (aka TruCar), and it’s not as good as it was 3 years ago when we went through them for the RAV, but it was decent.  We were waffling between the LE and the XLE version and the only thing that we really wanted from the XLE was the leather seats, except all of them in our region also come with navigation – $1200 I’m not paying for.  Turns out, the dealer can put aftermarket leather on the LE, which is actually nicer than the factory leather.  Too bad the dealer I ended up with sold the LE they had in stock before I got there (in the space of the 45 minutes it took me to drive to the dealer), so they’re having to get one from elsewhere.  We signed the initial paperwork and put the cash down to buy it, and they’ll be giving us a call when it gets in – hopefully this weekend.  Then, we’ll have another 0% loan to Toyota Financial, but it should be at least 7-8 years before we have to consider another car.  The final price (with taxes, title, and fee) of the LE with aftermarket leather was $3k less than the XLE  “base price” – and the only want we gave up was the moonroof, which was a nice to have anyway, and not worth 3k.

Here’s to being able to save a bit more next month!

Debt (in the order we’re paying it down):

• Car loan (0%): $10,500 (-500.00)
• Mortgage (3.875%): $292,426.95 (-479.30)

Total paid off in June:  $979.30