March net worth update

March was a great month for me! I got my third stimulus check, which I allocated to a vacation 

Here's my introduction post where I broke down my net worth in January, and here's a link to my February update.

Here's where my net worth stands now as of 3/31/2021:

• Checking: $4,503.83 (I have two checking accounts - more on that to come!)
• Short-term savings: $3,848.80 (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: $512.45 (this is literally just a few shares in one stock that I've had since I was probably 12 or so?)
• Retirement savings: $30,288.86 (Roth IRA) and $35,856.26 (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: $1,132.43 cash, $7,999.52 invested = $9,131.95 (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 $173k, 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 $173k.)

Total assets: $204,112.15

• Credit card debt: ($22,651.74) (due to be paid off by September 2022)
• Student loans: ($21,649.34) (mostly federal, and payments are suspended until September 30, 2021 - roughly $5.4k 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: ($760.19) (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): ($218.50) (due to be paid off in May 2021)
• Mortgage: ($36,127.56) (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: ($81,407.33) 

Net worth: $122,704.82

My prior month net worth was $118,215.51, which means I've had an almost $4k gain in about 4 weeks! It was almost entirely an increase in assets - my credit card debt stayed steady because I put an upcoming vacation (funded by my stimulus) on it. I did consider upping my estimate of my condo valuation because Zillow has increased the value by about $6k, but I decided it wasn't time yet.