February 2009 Financial Ratios
Another month has passed and I finally feel like our ratios are closer to what we will normally see. Here are a few of the highlights.
Debt Ratio: This is the first month that we actually have a debt ratio that means anything. We’ve finally put the house and mortgage on the balance sheet and now [...]
January 2009 Financial Ratios
It’s a new year and we’re off to a decent start. We have set some lofty goals for Networth Growth and our Emergency Fund ratio and we’re off to a nice start.
As you can see I’ve added the “Networth Growth” category to our ratios this year so it will be easier to track our month-to-date [...]
December 2008 Financial Ratios
The year has ended and we have finished off the year right where we wanted. We own a home and we saw some significant growth to our Networth….a big part of that due to owning a home.
The ratios don’t show it (and I plan on adding it next year), but our total networth growth for [...]
Financial Ratios Part I: Liquidity Ratios
Liquidity Ratios can help determine whether or not you have enough current assets to pay for a large, unexpected expense, or enough money too tie you over in case of a period of reduced or eliminated income.
Current Ratio = Current (liquid) Assets / Current Liabilities
The current ratio tells you how many times over you could [...]
November 2008 Financial Ratios
No complaints here. It was another great month financially. The ratios speak for themselves, but here are some items I noticed.
SAVINGS RATIO: I have been debating wheter or not to include the money we put in our Health Savings Account into our savings category, but then I looked at the name again and decided it [...]
(+0.67% Month / +23.41% YTD) November 2008 Networth
With the S&P 500 down almost 45% YTD it was nice to see a minimal increase in our networth for the month as well as a steady increase in our YTD networth. Here’s how November shook out….
November Highlights
- As habit now, we saw a steady decrease in our IRA accounts. Thankfully we only have about [...]
November 2008 Spending Report
As you can see, November was a pretty ordinary month for us. We were able to hit our savings goal of 40% to stay on track for our down payment and Black Friday didn’t affect us too bad . Here are a few of the highlights.
Miscellaneous
Normally we try and keep our misc [...]
October 2008 Networth
Wow…I really did not think that the market would continue it’s downward spiral like it has, but boy was I wrong. With a more than 10% decrease in our IRA, it was the second consecutive month that we saw a decrease in our overall networth. One bright side of the month was that we only [...]
September 2008 Networth
Another month and another rough go in the financial markets. I was hoping that the markets were going to begin settling down a bit, but it looks like the exact opposite has happened. Although over 50% of our IRA accounts are invested strictly cash we still saw an almost 7% decrease in the accounts. Overall, [...]
August 2008 Financial Ratios
Another great month of ratios. Our liquidity ratios are looking a little healthier than they actually are because our monthly expenses only include a $575 rent payment and absolutely no utility payments. If we were to actually have real bills I think it would be closer to 6 or 7 months, but still above our [...]
« go back — keep looking »
