Tuesday, September 5, 2017

Income & Expenses For August 2017

Since 2014, I have been tracking my monthly income and expenses. You can see a breakdown of every penny I earn and spend. For perspective, this budget is for a household of two in a small US city. By documenting my journey, I aim to demonstrate the feasibility of saving a significant portion of your income and provide some ideas and inspirations for your own budget.

Below are my income and expenses for August 2017. You can see all my monthly budgets here.


Aug 2017
Income
Wages$11,046.36
Dividends$1,011.24
Other Income$107.68
Total Income$12,165.28
Expense
Federal Income Tax$923.33
Federal Tax Pmt/(Refund)
FICA-SS$427.02
FICA-Medicare$99.87
Housing$450.00
Student loan repayment$35.70
Food$74.53
Car Insurance$126.97
Cell phone$42.21
Electric$32.76
Clothing/laundry$7.00
Total Expense$2,219.39
Ex-Tax Total Expense$769.17
Surplus/(Deficit)$9,945.89
Before Tax Saving Rate81.76%
After Tax Saving Rate92.82%

Income
Wages remain my primary source of income by far. Dividend income was above $1k, always a good thing.

Here is a chart of my dividend income by month for the past 13 months:


Total dividends for the trailing twelve months: $15,003.79, up 16.8% from $12,851.65 a year ago.

Expense
Car insurance premium of $126.97 for 6 months was paid this month. My cell phone expense was higher by $30 this month because I bought another cell phone, a Moto E 2nd Gen, from Freedompop, as the one I last bought from them 18 months ago suffers from rapid battery depletion. The new cell phone's battery lasts much longer and gives me another 1GB free data per month. All other expenses this month were typical recurring expenses.


Food expense of $74.53 is lower this month compared to $105.47 last month. My trailing 12-month average $93.25. PassiveIncomeDude had asked before how my food expense could be so low. There is really no secret and anyone can do it. I never eat out. I buy grocery in bulk and on sale. My three main foods are oatmeal ($2.40 per 42-oz box), cabbage ($0.49/lb), and beans ($0.80/lb dry weight). Cheap and healthy. If I buy nothing else, my monthly food expense could be even lower. Now you all know how I do it, you can cut your monthly food expense too! 

Total expenses for the trailing twelve months: $9,949.02, up 2.59% from $9,697.71 a year ago.


Dividend to expense coverage ratio = 1.51, which sets a new high! 


Savings
My after tax saving rate was 92.82% for the month of August 2017, exceeding my 90% saving rate target. I am optimistic that my saving rate will average above 90% for the remainder of the year.


Friday, September 1, 2017

Portfolio Update August 2017

The time has come for my monthly portfolio update. At the end of every month, I will update my portfolio and comment on any changes. I do that for accountability and also so you may glean some ideas on how I allocate my capital. You have the opportunity to learn from what I do well, so you can do the same, as well as what I do poorly, so you will not have to repeat my mistakes.

Follow my real-time portfolio here. Below is a snapshot of my stocks and ETFs portfolio as of 8/31/17:

TickerPriceShares HeldCost BasisTotal InvestedMarket ValueG/L ($)G/L (%)Weight
Total$43.9618388.82047$35.38$650,540.57$808,308.84$157,768.2724.25%100.00%
IJR$69.36859$68.38$58,739.20$59,580.24$841.041.43%7.37%
BDX$198.46175.467914$86.63$15,200.00$34,823.36$19,623.36129.10%4.31%
VWO$44.63733.25361$39.39$28,885.07$32,725.11$3,840.0413.29%4.05%
AFL$83.12325.3786$49.17$16,000.00$27,045.47$11,045.4769.03%3.35%
XOM$76.71292.241136$78.02$22,800.00$22,417.82-$382.18-1.68%2.77%
EXC$37.46574.787$30.27$17,396.43$21,531.52$4,135.0923.77%2.66%
AZO$537.7733$674.61$22,262.08$17,746.41-$4,515.67-20.28%2.20%
BRK.B$180.9392$122.05$11,228.54$16,645.56$5,417.0248.24%2.06%
NSC$121.93131.973$76.53$10,100.00$16,091.47$5,991.4759.32%1.99%
WMT$78.25198$66.65$13,196.52$15,493.50$2,296.9817.41%1.92%
EMR$59.17251.335895$49.34$12,400.00$14,871.54$2,471.5419.93%1.84%
GILD$83.09174$75.87$13,202.24$14,457.66$1,255.429.51%1.79%
VFC$63.30227$57.56$13,066.38$14,369.10$1,302.729.97%1.78%
BMTC$40.85347.393311$24.47$8,500.00$14,191.02$5,691.0266.95%1.76%
SPGI$153.8689.899521$45.61$4,100.00$13,831.94$9,731.94237.36%1.71%
LMT$304.1744.233058$96.91$4,286.67$13,454.37$9,167.70213.87%1.66%
UL$58.18229$41.80$9,572.56$13,323.22$3,750.6639.18%1.65%
MCD$159.8872$104.07$7,493.25$11,511.36$4,018.1153.62%1.42%
MSFT$73.82147$40.12$5,897.98$10,851.54$4,953.5683.99%1.34%
NKE$53.36203$51.28$10,410.52$10,832.08$421.564.05%1.34%
AZN$30.25344$22.13$7,613.49$10,406.00$2,792.5136.68%1.29%
SON$48.63199.3401$36.37$7,250.00$9,693.91$2,443.9133.71%1.20%
ESLT$138.2070$36.86$2,580.05$9,674.00$7,093.95274.95%1.20%
YORW$32.65289.796$21.91$6,350.00$9,461.84$3,111.8449.01%1.17%
INTC$35.19245$27.34$6,698.92$8,621.55$1,922.6328.70%1.07%
PEP$115.4472.811814$80.13$5,834.51$8,405.40$2,570.8944.06%1.04%
NVS$84.2696.923$74.29$7,200.00$8,166.73$966.7313.43%1.01%
BUD$118.6668$108.73$7,393.41$8,068.88$675.479.14%1.00%
KO$45.62176$41.89$7,372.00$8,029.12$657.128.91%0.99%
NVO$47.80163$38.92$6,344.74$7,791.40$1,446.6622.80%0.96%
SNY$49.20146.267$40.34$5,900.00$7,196.34$1,296.3421.97%0.89%
VMI$144.7548.243$123.33$5,950.00$6,983.17$1,033.1717.36%0.86%
PEG$46.42149.478$29.77$4,450.00$6,938.77$2,488.7755.93%0.86%
DIS$101.6567$95.88$6,423.84$6,810.55$386.716.02%0.84%
RL$88.9076$90.84$6,904.03$6,756.40-$147.63-2.14%0.84%
BCR$320.1420.685936$96.68$2,000.00$6,622.40$4,622.40231.12%0.82%
BEN$43.47150$35.26$5,289.56$6,520.50$1,230.9423.27%0.81%
PG$92.6168.38$61.42$4,200.00$6,332.67$2,132.6750.78%0.78%
GWW$165.2937$169.75$6,280.76$6,115.73-$165.03-2.63%0.76%
SAN$6.51925$6.78$6,273.42$6,021.75-$251.67-4.01%0.74%
MAT$16.50358$27.91$9,990.55$5,907.00-$4,083.55-40.87%0.73%
AAN$44.33133$22.62$3,008.06$5,895.89$2,887.8396.00%0.73%
ATGE$34.00167$22.09$3,688.64$5,678.00$1,989.3653.93%0.70%
OGZPY$4.031390.2431$6.09$8,464.47$5,602.68-$2,861.79-33.81%0.69%
VIG$93.0560$59.80$3,587.92$5,583.00$1,995.0855.61%0.69%
CSX$50.35108$21.04$2,272.36$5,437.80$3,165.44139.30%0.67%
VEA$42.67127.11312$30.98$3,938.54$5,423.92$1,485.3837.71%0.67%
FOSL$8.48633$18.50$11,710.06$5,367.84-$6,342.22-54.16%0.66%
CTSH$70.8875$53.00$3,975.00$5,316.00$1,341.0033.74%0.66%
SRCL$71.9372$82.12$5,912.79$5,178.96-$733.83-12.41%0.64%
UHS$109.0347$122.89$5,776.00$5,124.41-$651.59-11.28%0.63%
VIAB$28.70177$41.08$7,271.21$5,079.90-$2,191.31-30.14%0.63%
GPS$24.20200$20.99$4,197.60$4,840.00$642.4015.30%0.60%
SBRCY$13.63346$6.18$2,137.25$4,715.98$2,578.73120.66%0.58%
AN$46.21101$46.53$4,700.00$4,667.21-$32.79-0.70%0.58%
LUKOY$50.7889$49.38$4,395.19$4,519.42$124.232.83%0.56%
CVS$77.9955$86.86$4,777.31$4,289.45-$487.86-10.21%0.53%
HPQ$19.34220$8.89$1,956.29$4,254.80$2,298.51117.49%0.53%
JNJ$131.4532$61.42$1,965.54$4,206.40$2,240.86114.01%0.52%
RBCAA$35.42118$21.26$2,508.83$4,179.56$1,670.7366.59%0.52%
DGS$49.5083.77$44.07$3,691.36$4,146.62$455.2612.33%0.51%
GIS$53.5477.139$40.19$3,100.00$4,130.02$1,030.0233.23%0.51%
CHL$52.8577.42$47.44$3,672.95$4,091.65$418.7011.40%0.51%
FOX$27.14146$25.60$3,736.97$3,962.44$225.476.03%0.49%
BVN$13.48282$9.23$2,601.60$3,801.36$1,199.7646.12%0.47%
FNDE$29.06129.85$24.59$3,193.03$3,773.44$580.4118.18%0.47%
FISV$122.8630$100.80$3,024.00$3,685.80$661.8021.88%0.46%
RHHBY$31.74112$30.80$3,449.74$3,554.88$105.143.05%0.44%
K$65.1752.099$49.78$2,593.58$3,395.29$801.7130.91%0.42%
TSQ$9.99337$11.05$3,723.85$3,366.63-$357.22-9.59%0.42%
HSIC$172.9219$155.68$2,958.00$3,285.48$327.4811.07%0.41%
PII$95.0034$76.53$2,602.00$3,230.00$628.0024.14%0.40%
SBS$10.40307$4.92$1,510.38$3,192.80$1,682.42111.39%0.39%
HPE$14.08220$9.77$2,150.40$3,097.60$947.2044.05%0.38%
TIF$91.7733$60.25$1,988.40$3,028.41$1,040.0152.30%0.37%
CVX$108.8627$86.38$2,332.19$2,939.22$607.0326.03%0.36%
BBBY$27.83101$39.78$4,018.08$2,810.83-$1,207.25-30.05%0.35%
PPL$39.0470.806$23.68$1,676.52$2,764.27$1,087.7564.88%0.34%
WBA$81.0633$36.78$1,213.89$2,674.98$1,461.09120.36%0.33%
HVT.A$23.95111$24.50$2,719.50$2,658.45-$61.05-2.24%0.33%
CEO$121.6621.66$144.63$3,132.74$2,635.16-$497.58-15.88%0.33%
CCNE$24.50105$26.69$2,802.45$2,572.50-$229.95-8.21%0.32%
TLK$35.5272$16.17$1,164.01$2,557.44$1,393.43119.71%0.32%
IBM$143.8817$133.64$2,271.92$2,445.96$174.047.66%0.30%
DE$116.0721$74.65$1,567.56$2,437.47$869.9155.49%0.30%
HCN$73.6132.6682$55.10$1,800.00$2,404.71$604.7133.59%0.30%
DHR$82.8929$79.24$2,298.10$2,403.81$105.714.60%0.30%
PAYX$56.9641.254$32.72$1,350.00$2,349.83$999.8374.06%0.29%
LLY$81.3028$35.93$1,006.02$2,276.40$1,270.38126.28%0.28%
OGS$75.2929.737$33.63$1,000.00$2,238.90$1,238.90123.89%0.28%
DLTR$80.4125$76.92$1,923.08$2,010.25$87.174.53%0.25%
CFNB$16.25113$18.85$2,130.04$1,836.25-$293.79-13.79%0.23%
WLK$77.5223$44.00$1,012.00$1,782.96$770.9676.18%0.22%
TGT$55.6732$59.00$1,887.92$1,781.44-$106.48-5.64%0.22%
ORLY$197.669$189.26$1,703.36$1,778.94$75.584.44%0.22%
DISCA$22.2079$24.99$1,974.52$1,753.80-$220.72-11.18%0.22%
FSBK$17.53100$4.51$451.00$1,753.00$1,302.00288.69%0.22%
SGTZY$4.71371$6.45$2,392.73$1,747.41-$645.32-26.97%0.22%
SJI$35.8247.5645$24.18$1,150.00$1,703.76$553.7648.15%0.21%
WFC$51.2632$45.86$1,467.50$1,640.32$172.8211.78%0.20%
CAH$67.8324$68.63$1,647.08$1,627.92-$19.16-1.16%0.20%
SAM$146.7511$133.65$1,470.10$1,614.25$144.159.81%0.20%
CHMG$40.7039$41.48$1,617.72$1,587.30-$30.42-1.88%0.20%
BP$34.8944$39.34$1,731.17$1,535.16-$196.01-11.32%0.19%
OAOFY$40.3838$28.59$1,086.23$1,534.44$448.2141.26%0.19%
DXC$84.7918$68.10$1,225.77$1,526.22$300.4524.51%0.19%
GGG$116.2513$73.00$949.00$1,511.25$562.2559.25%0.19%
ESRX$62.4623$65.32$1,502.37$1,436.58-$65.79-4.38%0.18%
CHKP$110.2113$74.85$973.05$1,432.73$459.6847.24%0.18%
CERN$67.9821$47.80$1,003.80$1,427.58$423.7842.22%0.18%
MPC$53.7526$18.83$489.68$1,397.50$907.82185.39%0.17%
AXP$86.2416$59.77$956.29$1,379.84$423.5544.29%0.17%
POT$17.5477$23.11$1,779.18$1,350.58-$428.60-24.09%0.17%
NNN$41.8531.906$43.88$1,400.00$1,335.27-$64.73-4.62%0.17%
CICHY$17.4173$13.64$995.73$1,270.93$275.2027.64%0.16%
STRA$79.2416$48.00$768.00$1,267.84$499.8465.08%0.16%
TROW$84.4015$67.00$1,005.00$1,266.00$261.0025.97%0.16%
RHI$45.1826$36.06$937.56$1,174.68$237.1225.29%0.15%
MYTAY$9.43124$13.18$1,633.71$1,169.32-$464.39-28.43%0.14%
BF.B$53.0222$45.82$1,008.04$1,166.44$158.4015.71%0.14%
TESS$12.9088.983$8.99$800.00$1,147.88$347.8843.49%0.14%
VSS$113.6610$87.82$878.20$1,136.60$258.4029.42%0.14%
KSS$39.9428$43.64$1,221.96$1,118.32-$103.64-8.48%0.14%
MDLZ$40.8027$17.63$475.90$1,101.60$625.70131.48%0.14%
MRK$64.0417$34.30$583.18$1,088.68$505.5086.68%0.13%
TLSYY$14.5872$14.78$1,064.26$1,049.76-$14.50-1.36%0.13%
SCL$77.7513$38.46$499.98$1,010.75$510.77102.16%0.13%
GPC$83.8112$80.00$960.00$1,005.72$45.724.76%0.12%
BIIB$320.003$221.90$665.71$960.00$294.2944.21%0.12%
CMP$67.8514$69.00$966.00$949.90-$16.10-1.67%0.12%
BCMXY$17.8352$16.07$835.50$927.16$91.6610.97%0.11%
AAPL$164.045$94.64$473.20$820.20$347.0073.33%0.10%
PNW$89.608.950159$34.75$311.00$801.93$490.93157.86%0.10%
ARLP$19.2941$26.68$1,094.01$790.89-$303.12-27.71%0.10%
T$37.5121$28.77$604.24$787.71$183.4730.36%0.10%
PDLI$3.08255$6.05$1,542.59$785.40-$757.19-49.09%0.10%
UNP$106.037.385503$108.32$800.00$783.08-$16.92-2.11%0.10%
DPS$91.478.523659$93.86$800.00$779.66-$20.34-2.54%0.10%
SB$3.32233$7.99$1,861.40$773.56-$1,087.84-58.44%0.10%
TLKGY$19.9236$19.78$711.92$717.12$5.200.73%0.09%
AMGN$178.694$141.00$564.00$714.76$150.7626.73%0.09%
HFC$32.4022$23.50$517.00$712.80$195.8037.87%0.09%
IDCBY$14.8545$12.18$548.10$668.25$120.1521.92%0.08%
PB$60.5711$45.43$499.73$666.27$166.5433.33%0.08%
AEO$12.2154$11.93$644.35$659.34$14.992.33%0.08%
ICE$65.0310$16.67$166.66$650.30$483.64290.20%0.08%
EFSI$29.3022$22.85$502.70$644.60$141.9028.23%0.08%
KHC$80.508$25.41$203.28$644.00$440.72216.80%0.08%
RAVN$27.7522$22.60$497.20$610.50$113.3022.79%0.08%
IMBBY$42.6514$62.93$880.98$597.10-$283.88-32.22%0.07%
TSCO$59.4010$49.99$499.90$594.00$94.1018.82%0.07%
BACHY$13.1345$11.00$495.00$590.85$95.8519.36%0.07%
WTR$33.4717.149122$29.16$500.00$573.98$73.9814.80%0.07%
CCFN$47.4012$39.50$474.00$568.80$94.8020.00%0.07%
NTTYY$48.5011$22.30$245.34$533.50$288.16117.45%0.07%
HSY$104.785$90.47$452.35$523.90$71.5515.82%0.06%
WSM$46.5511$44.00$484.00$512.05$28.055.80%0.06%
CLD$3.23158$9.44$1,492.23$510.34-$981.89-65.80%0.06%
TJX$72.317$69.00$483.00$506.17$23.174.80%0.06%
RLI$53.779$57.00$513.00$483.93-$29.07-5.67%0.06%
BCS$9.9746$14.02$644.92$458.62-$186.30-28.89%0.06%
LB$37.5012$42.00$504.00$450.00-$54.00-10.71%0.06%
MPLX$34.4813$8.59$111.66$448.24$336.58301.43%0.06%
NAT$5.0682$19.64$1,610.79$414.92-$1,195.87-74.24%0.05%
IEMG$54.386.25$49.67$310.46$339.88$29.429.47%0.04%
TRGP$44.357$27.35$191.42$310.45$119.0362.18%0.04%
MRO$11.3127$29.92$807.79$305.37-$502.42-62.20%0.04%
HNNMY$4.9861$6.53$398.52$303.78-$94.74-23.77%0.04%
CPLP$3.5775$8.53$639.48$267.75-$371.73-58.13%0.03%
ATW$7.0333$15.00$495.00$231.99-$263.01-53.13%0.03%
DYN$9.2324$29.77$714.50$221.52-$492.98-69.00%0.03%
LYG$3.3250$3.24$162.00$166.00$4.002.47%0.02%
GSH$26.684.59$20.75$95.24$122.46$27.2228.58%0.02%
MVC$10.0611$8.84$97.28$110.66$13.3813.75%0.01%
VTI$127.370.69205$88.15$88.15#DIV/0!0.01%
TSCDY$7.1811$14.33$157.63$78.98-$78.65-49.90%0.01%
AMC$13.935$18.00$90.00$69.65-$20.35-22.61%0.01%
PTR$65.260.97$99.24$96.26$63.30-$32.96-34.24%0.01%
BIVV$56.851$37.77$37.77$56.85$19.0850.50%0.01%
QCCO$0.48113$3.63$410.25$54.24-$356.01-86.78%0.01%
BK$52.591$25.01$25.01$52.59$27.58110.28%0.01%
LGCY$1.2128$15.62$437.22$33.88-$403.34-92.25%0.00%
EVEP$0.4432$21.84$698.97$14.08-$684.89-97.99%0.00%
BPI$8.841$17.85$17.85$8.84-$9.01-50.48%0.00%
BKS$7.531$8.70$8.70$7.53-$1.17-13.45%0.00%
ALN$0.4015$2.11$31.65$6.00-$25.65-81.04%0.00%
LQD$121.100.03584$4.34$4.34#DIV/0!0.00%
VGIT$65.210.05977$3.90$3.90#DIV/0!0.00%
TIP$114.260.02731$3.12$3.12#DIV/0!0.00%
SJNK$27.820.07072$1.97$1.97#DIV/0!0.00%
VNQ$84.390.0123$1.04$1.04#DIV/0!0.00%
VCSH$80.160.00322$0.26$0.26#DIV/0!0.00%
ZAHLY$0.0123$6.64$152.72$0.23-$152.49-99.85%0.00%
DPK$14.54-100$16.15-$1,614.79-$1,454.00$160.799.96%-0.18%
FAZ$15.94-100$34.42-$3,441.54-$1,594.00$1,847.5453.68%-0.20%
ERY$14.24-300$13.49-$4,047.39-$4,272.00-$224.61-5.55%-0.53%
TZA$16.30-550$20.03-$11,015.32-$8,965.00$2,050.3218.61%-1.11%

My transactions in August are listed as follows:

StockActionCostPrice per share% of Portfolio
XOMAdd$2,800.00$76.740.27%
GWWAdd$1,934.00$161.170.19%
FOSLAdd$999.00$9.000.10%
IJRAdd$969.50$69.250.10%
GPCNew Buy$960.00$80.000.09%
CAHAdd$625.50$62.550.06%
CVSAdd$528.50$75.500.05%
LBNew Buy$504.00$42.000.05%
MATAdd$496.00$16.000.05%
AFLAdd$300.00$79.580.03%
GISAdd$233.92$55.750.02%
BDXAdd$200.00$201.460.02%
BMTCAdd$200.00$41.750.02%
DPSAdd$200.00$91.450.02%
EMRAdd$200.00$60.040.02%
UNPAdd$200.00$104.080.02%
NVSAdd$200.00$85.290.02%
SNYAdd$200.00$48.330.02%
YORWAdd$200.00$32.970.02%
SONAdd$200.00$48.640.02%
VMIAdd$200.00$150.040.02%
HCNAdd$28.08$71.290.00%
PAYXAdd$20.44$55.850.00%
NNNAdd$15.14$40.480.00%
VTIAdd$6.04$126.810.00%
BCRAdd$5.37$318.430.00%
VEAAdd$2.37$42.690.00%
VWOAdd$0.35$43.640.00%
LQDAdd$0.33$120.880.00%
VGITAdd$0.31$65.820.00%
TIPAdd$0.25$113.640.00%
SJNKAdd$0.16$28.170.00%
VNQAdd$0.08$84.210.00%
VEAAdd$0.06$40.540.00%
TZASold Short-$1,749.39$17.49-0.17%
Bought$12,429.401.22%
Sold-$1,749.39-0.17%
Net$10,680.011.05%

Purchases
I kept buying more XOM and GWW near 52-week low. I bought some more FOSL as it dropped, but should have waited a little longer as the stock promptly dropped below $7 after I bought it at $9. I also added to my holdings in CVS and CAH. I initiated new positions in LB and GPC near 52-week lows at what seemed to be good value stocks. GPC has gone up some, but LB has dropped more. The rest are part of my monthly investment plans and dividend reinvestment.

Sales
Only sale this month is TZA, 3x small cap bear, which I sold when small caps dipped a bit this month.


Here is how my assets, liabilities, and net worth have changed over the past month:

Beginning balance
on 8/1/2017
+ Cash inflow
/(outflow)
+ $ P/L= Ending Balance
on 8/31/2017
% P/L% Equity
ASSETS
Current assets
Cash22,541.81(1,414.13)0.0021,127.680.00%2.06%
Bonds10,863.169,427.2933.5320,323.980.31%1.98%
Stocks729,719.569,770.67133.67739,623.900.02%71.99%
Total current assets763,124.5317,783.83167.20781,075.560.02%76.02%
Tax-deferred retirement account176,707.161,515.23(66.46)178,155.93-0.04%17.34%
Roth IRA70,566.93(603.15)69,963.78-0.85%6.81%
Gold13,645.05615.4014,260.454.51%1.39%
Other non-current assets1,500.00(500.00)0.001,000.000.00%0.10%
Total assets1,025,543.6718,799.06112.991,044,455.720.01%101.66%
LIABILITIES & EQUITY
Liabilities
Current liabilities508.7110,175.000.0010,683.711.04%
Long-term liabilities
Student loan6,376.63(22.25)0.006,354.380.62%
Other non-current liabilities0.000.000.000.000.00%
Total liabilities6,885.3410,152.750.0017,038.091.66%
Equity (net worth)1,018,658.338,646.31112.991,027,417.630.01%100.00%

During July, my net worth increased 0.86% to $1,027,417.63, essentially due to net cash inflow (0.85%), while P/L was essentially flat (0.01%). My Roth IRA suffered from an experiment, but I have learned my lesson now so it should basically track the SmallCap Index from now on. Debt increased by over $10k as I took advantage of a credit card balance transfer/access check offer to write a $10,000 check to myself for 2% one-time fee and 0% interest for 12 months. I figured I will just put the money into groundfloor.us loans earning about 7-10% which will net me about 5-8% on this debt. 

Below is a chart of my net worth since I started tracking on a monthly basis:

My monthly performance against the S & P 500 is shown below:

2017My Portfolio ReturnS & P 500 TR
Jan2.39%1.90%Good
Feb2.08%3.97%Bad
Mar0.97%0.12%Good
Apr2.22%1.03%Good
May0.01%1.41%Bad
Jun0.59%0.62%Bad
Jul1.52%2.06%Bad
Aug0.01%0.31%Bad
YTD10.18%11.95%Bad

I continued trailing the index this month, making it four months in a row now, which is somewhat depressing. The bulk of the underperformance this month can be attributed to the awful performance in my Roth IRA account which is hopefully now past. On the upside, I am not that far behind so I should have time to catch up to the index.