Options Update: December 2019

Welcome to my monthly options update!

Here, I shall write monthly options update articles to keep track of options trades in my portfolio. Each options update serves as a status report on the open options and the obligations I have. A running tally of all my options trades and income to date are found on the Options page.

Assigned Options

I did not get assigned any options this month.
 

Income & Expenses For November 2019: Saved $12,613.06, 98.75% of After-Tax Income

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 inspiration for your own budget.

Below are my income and expenses for November 2019. You can see all my monthly budgets here.

	Nov 2019
Income
Wages	$13,620.02
Dividends	$300.37
Other Income	$815.20
Total Income	$14,735.59
Expense
Federal Income Tax	$1,354.80
Federal Tax Pmt/(Refund)
FICA-SS	$497.97
FICA-Medicare	$110.15
Housing
Student loan repayment	$46.41
Food	$58.59
Electric	$21.25
Water	$33.36
Total Expense	$2,122.53
Surplus/(Deficit)	$12,613.06
Before Tax Saving Rate	85.60%
After Tax Income	$12,772.67
Ex-Tax Total Expense	$159.61
After Tax Saving Rate	98.75%
Goal	95.00%

Options Update: November 2019

Welcome to my monthly options update!

Here, I shall write monthly options update articles to keep track of options trades in my portfolio. Each options update serves as a status report on the open options and the obligations I have. A running tally of all my options trades and income to date are found on the Options page.

Assigned Options

I did not get assigned any options this month.

Net Worth Update November 2019: $1,790,905.56 (+$67,567.56, +3.92%)

Welcome to my monthly net worth update! Here is how my assets, liabilities, and net worth have changed over the past month:

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	Beginning balance on 11/1/2019	+ Cash inflow /(outflow)	+ $ P/L	= Ending Balance on 11/30/2019	% P/L	% Equity
ASSETS
Current assets
Cash	13,636.62	(12,426.01)	0.00	1,210.61	0.00%	0.07%
Bonds	14,798.14	10,929.98	7.85	25,735.97	0.05%	1.44%
Stocks	1,302,818.98	14,931.88	43,480.46	1,361,231.32	3.34%	76.01%
Total current assets	1,331,253.74	13,435.85	43,488.31	1,388,177.90	3.27%	77.51%
Tax-deferred retirement account	242,835.32	1,975.03	6,919.23	251,729.58	2.85%	14.06%
Roth IRA	95,141.36		1,578.54	96,719.90	1.66%	5.40%
Home	44,496.00		0.00	44,496.00	0.00%	2.48%
Gold	16,305.78		(538.50)	15,767.28	-3.30%	0.88%
Other non-current assets	235.36	40.00	7.71	283.07	3.28%	0.02%
Total assets	1,730,267.56	15,450.88	51,455.29	1,797,173.73	2.97%	100.35%
LIABILITIES & EQUITY
Liabilities
Current liabilities	1,219.73	(626.13)	0.00	593.60		0.03%
Long-term liabilities
Student loan	5,709.73	(35.16)	0.00	5,674.57		0.32%
Other non-current liabilities	0.00	0.00	0.00	0.00		0.00%
Total liabilities	6,929.46	(661.29)	0.00	6,268.17		0.35%
Equity (net worth)	1,723,338.10	16,112.17	51,455.29	1,790,905.56	2.99%	100.00%

Here is the breakdown of my balance sheet:

Portfolio Update November 2019: Bought 21 Stocks (3 New Buys!); Sold 1

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 11/30/19:

Income & Expenses For October 2019: Saved $12,212.49, 93.75% of After-Tax Income

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 inspiration for your own budget.

Below are my income and expenses for October 2019. You can see all my monthly budgets here.

	Oct 2019
Income
Wages	$13,620.02
Dividends	$629.53
Other Income	$740.44
Total Income	$14,989.99
Expense
Federal Income Tax	$1,354.80
Federal Tax Pmt/(Refund)
FICA-SS	$497.97
FICA-Medicare	$110.15
Housing	$655.54
Student loan repayment	$46.41
Food	$59.25
Electric	$25.21
Water	$28.17
Total Expense	$2,777.50
Surplus/(Deficit)	$12,212.49
Before Tax Saving Rate	81.47%
After Tax Income	$13,027.07
Ex-Tax Total Expense	$814.58
After Tax Saving Rate	93.75%
Goal	95.00%

Net Worth Update October 2019: $1,723,338.10 (+$60,381.92, +3.63%)

Welcome to my monthly net worth update! Here is how my assets, liabilities, and net worth have changed over the past month:

	Beginning balance on 10/1/2019	+ Cash inflow /(outflow)	+ $ P/L	= Ending Balance on 10/31/2019	% P/L	% Equity
ASSETS
Current assets
Cash	29,729.68	(16,093.06)	0.00	13,636.62	0.00%	0.79%
Bonds	14,660.55	(43.24)	180.83	14,798.14	1.23%	0.86%
Stocks	1,259,573.99	4,157.73	39,087.26	1,302,818.98	3.10%	75.60%
Total current assets	1,303,964.22	(11,978.57)	39,268.09	1,331,253.74	3.01%	77.25%
Tax-deferred retirement account	234,287.80	1,975.03	6,572.49	242,835.32	2.81%	14.09%
Roth IRA	92,043.22		3,098.14	95,141.36	3.37%	5.52%
Home	44,496.00		0.00	44,496.00	0.00%	2.58%
Gold	15,827.59		478.19	16,305.78	3.02%	0.95%
Other non-current assets	150.64	40.00	44.72	235.36	29.69%	0.01%
Total assets	1,690,769.47	(9,963.54)	49,461.63	1,730,267.56	2.93%	100.40%
LIABILITIES & EQUITY
Liabilities
Current liabilities	22,069.24	(20,849.51)	0.00	1,219.73		0.07%
Long-term liabilities
Student loan	5,744.05	(34.32)	0.00	5,709.73		0.33%
Other non-current liabilities	0.00	0.00	0.00	0.00		0.00%
Total liabilities	27,813.29	(20,883.83)	0.00	6,929.46		0.40%
Equity (net worth)	1,662,956.18	10,920.29	49,461.63	1,723,338.10	2.97%	100.00%