April net worth update

Another great month in April! The Marriott Amex is officially paid off, and balance transfers have happened for the Chase Sapphire. 

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

Here's where my net worth stands now as of 4/30/2021:

• Checking: $5,702.53 (This includes my most recent stimulus and a small bonus from work equal to one week's pay, received on 4/30.)
• Short-term savings: $4,428.20 (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: $524.61 (this is literally just a few shares in one stock that I've had since I was probably 12 or so?)
• Retirement savings: $31,572.24 (Roth IRA) and $37,911.31 (401(k) - I'm also not fully vested yet, but the unvested amount is maybe $1k)
• HSA: $1,310.92 cash, $8,359.14 invested = $9,670.06 (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 (A recent listing for the same layout unit - but more recently remodeled - was listed at $198k.)

Total assets: $209,808.95

• Credit card debt: ($21,985.11) (due to be paid off by September 2022)
• Student loans: ($21,495.22) (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: ($609.42) (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): ($109.23) (due to be paid off in May 2021)
• Mortgage: ($36,025.07) (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: ($80,224.05) 

Net worth: $129,584.90

My prior month net worth was $122,704.82, which means I've had an almost $7k gain in the past month! Once again it was almost entirely asset growth. I'm still pleased at the progress I'm making with my debt paydown.