It’s time again for my monthly net worth update – The Sept 2007 edition.

The first net worth update of the fall and we're off to a good start.  After a slow summer, September was good to us and gave us a +2.27% increase in net worth.  Although our liabilities remained the same, the net worth increase primarily came from cash savings and increased portfolio value as the markets have turned around.

Our house is now up on the market, so our net worth statements may get a slight shift when our home is sold.  Perhaps I'll post a few articles about our home selling experience. 

Ramblings aside, here are the numbers: 

Assets: $447,600 (+1.33%)

  • Cash: $4,500 (+0.00%)
  • Savings: $40,000 (+8.11%)
  • Registered Investment: $50,500 (+4.34%)
  • Pension: $20,300 (+2.01%)
  • Non-Registered Investment Account: $45,900 (+1.07%)
  • Real Estate: $ 264,500 (2 properties) (+0.00%)
  • New Home Deposit: $5000 (+0.00%)
  • Vehicles: $16,900 (2 vehicles) (-0.59%)

Liabilities: $182,300 (-0.00%)

  • Mortgage Debt(from 2 properties): $173,400 (-0.17%)
  • Insurance: $900 (+50%)
  • Other Liabilities: $8,000 (-0.00%)

Total Net Worth: ~$ 265,300 (+2.27%)

Started 2007 with Net Worth: $224,000

Year to Date Gain/Loss: +18.44%

Happy to report that we're up +18% year to date.  Perhaps I should have set a goal at the beginning of the year but ideally, I would like to hit the 25% mark. We "should" get close to that goal providing everything goes as planned and no more market corrections. :) 

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Congrats FT !
it seems that nothing can stop you from increasing your net worth! That’s awesome!
keep it up!

It’s interesting when people provide visibility into their finances since it seems to be a touchy subject for most.

Looks like you’ve made some good decisions. Congrats.

Good work.

One of my complaints against net worth calculations is that I don’t believe anyone can accurately estimate the value of real estate. I think it would be interesting if you could indicate in someway how accurate your estimate for your principal home was once you sell it.

You can either mention the exact values or just the difference ie 5% difference.



Way to go. Now all you need is a real estate boom before you sell your house and you could be up 50% for the year. :)

Best of luck,


I am very happy to see that everything goes well for you ;)!

Why not adding this blog on your assets?


You should tell us how much of the increase in net worth was from savings and equity payments in mortgage. Because increases are not all ‘gains’.


You never know when you will hit a real estate boom. After all I moved to Regina of all places and hit one.


Good progress.

I am curious what your ‘savings’ category is held in?

Just wanted to know how your assett grew this year beside your saving. eg. return on equity, interest etc.


I am wondering what your rationale is for holding such a large amount of capital in a place that probably yields you 1.0% above inflation at best…

Hi FT, question for you.. Would it not be wiser to pay down your existing mortgages instead of hoarding money? Depending on your mortgage rate would it make more sense to pay it down since i’m sure your after mortgage percentage is higher than 4.25%?