February net worth check-in

February was a good month for me! I paid down my Marriott Amex to below $1k, which means I'm on track to pay it off by April.

Here's my introduction post where I broke down my net worth in January.

Here's where my net worth stands now as of 2/28/2021:

• Checking: $3,354.45 (I have two checking accounts - more on that to come!)
• Short-term savings: $3,392.41 (This is several savings accounts: car repairs, car insurance [paid every six months], cat savings [I have two approaching-senior cats, and their vet bills are always a kick in the teeth], and vacation)
• E*Trade: $472.35 (this is literally just a few shares in one stock that I've had since I was probably 12 or so?)
• Retirement savings: $29,320.69 (Roth IRA) and $34,265.76 (401(k) - I'm also not fully vested yet, but since I don't intend to leave my current job before I fully vest, this is the full amount in my account)
• HSA: $1,178.04 cash, $7,866.85 invested = $9,044.89 (my HSA requires at least $1,000 in cash available to pay for expenses - anything over that, I just haven’t invested yet)
• Condo: ~$120,000 (Zillow estimates my place to be worth $168k, which is so unbelievably comical to me. I don't even know if it's worth $120k, but that seems like a more likely number than $168k.)

Total assets: $199,850.55

• Credit card debt: ($22,359.63) (due to be paid off by September 2022)
• Student loans: ($21,807.37) (mostly federal, and payments are suspended until September 30, 2021 - roughly $5.5k is private, so that's where I'm focusing my efforts) (private loan due to be paid off December 2022, and federal loans April 2023)
• Car loan: ($910.68) (under $1k! and due to be paid off August 2021)
• Affirm loan (I desperately needed a new mattress last year, as my 15+-year-old one was causing problems for my back, and Affirm was offering 0% and no fees for a 12 month loan of the purchase price): ($327.77) (due to be paid off in May 2021)
• Mortgage: ($36,229.59) (due to be paid off November 2038 - before grad school, I made 8 months of principal-only payments that were the same amount as the mandatory principal+interest payments [not including escrow for taxes and insurance] and it cut 2.5 years off the life of my loan, which still blows my dang mind)

Total liabilities: ($81,635.04) 

Net worth: $118,215.51

My prior month net worth was $112,293.71, which means I've had an almost $6k gain in about 5 weeks! About $3k was liability paydowns, and the rest was increases in cash and investments.