dull numbers journal

Where are you and where are you going?
10cents
Posts: 36
Joined: Fri Sep 15, 2017 12:42 pm
Location: Poland

Re: dull numbers journal

Post by 10cents » Sun Oct 28, 2018 3:20 am

My pics are likely to be gone in 5 years, so I put some 'old school' graphics.
Past 12 months savings vs liabilities: one 'x' = ~ 7000 PLN

date liabilities assets stocks bonds
Q4 17 xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|||xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|xxxxxxxxxxx
Q1 18 _xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|||xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxx
Q2 18 _xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|||xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxxx
Q3 18 __xxxxxxxxxxxxxxxxxxxxxxxxxxxxx|||xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxxxxx

10cents
Posts: 36
Joined: Fri Sep 15, 2017 12:42 pm
Location: Poland

Re: dull numbers journal

Post by 10cents » Tue Nov 13, 2018 12:41 pm

Mid November numbers:
-------------------
Liabilities: 198,590
Cashable assets : 130,300
Stock assets : 222,578
NW : 154,288
Cashable/liabiilities ratio : 65,6%

10cents
Posts: 36
Joined: Fri Sep 15, 2017 12:42 pm
Location: Poland

Re: dull numbers journal

Post by 10cents » Fri Dec 07, 2018 11:30 am

This month I've done some investments - I've bought 3,6 kW PV system. But can I really treat this as an investment?
This caused cashable asset drop.

Mid December numbers:
-------------------
Liabilities: 198,517
Cashable assets : 116,500
Stock assets : 238,635
NW : 156,618
Cashable/liabiilities ratio : 58,68%

10cents
Posts: 36
Joined: Fri Sep 15, 2017 12:42 pm
Location: Poland

Re: dull numbers journal

Post by 10cents » Tue Jan 08, 2019 1:16 pm

It is time to sum up 2018 year. I'm definitely happy with my savings achievements. My debt is under control. I can pay over 60% of my mortgage in a week without touching my retirement savings. This is only a result of my savings. The only negative case in 2018 is my investment results. My stock portfolio brought me a loss. My money goals for 2019 look easy - i'm going to incease my NW > 200K and my portfolio > 400K. The real goal is to track my investment result and increase its profitability.
Ultimate 2018 results:
Cashable assets : 120,200
Stock assets : 240,900
NW : 162,500
12 m increase : 48,000

10cents
Posts: 36
Joined: Fri Sep 15, 2017 12:42 pm
Location: Poland

Re: dull numbers journal

Post by 10cents » Thu Jan 10, 2019 12:45 pm

date_____________liabilities_________________assets______________stocks_________bonds
Q4 17 xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|||xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|xxxxxxxxxxx
Q1 18 _xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|||xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxx
Q2 18 _xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|||xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxxx
Q3 18 __xxxxxxxxxxxxxxxxxxxxxxxxxxxxx|||xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxxxxx
Q4 18 ___xxxxxxxxxxxxxxxxxxxxxxxxxxxx|||xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx|xxxxxxxxxxxxxxxxx

wolf
Posts: 832
Joined: Fri Jan 06, 2017 5:09 pm
Location: Germany

Re: dull numbers journal

Post by wolf » Fri Jan 11, 2019 3:22 am

Thanks for the update 10cents! You have well done, haven't you? If I have calculated correctly, you have increased your NW by about 42% p.a.? That's huge! And your goal for this year is also ambitious. What are the main drivers behind the increase of your NW? Savings of course, but also your real estate?

10cents
Posts: 36
Joined: Fri Sep 15, 2017 12:42 pm
Location: Poland

Re: dull numbers journal

Post by 10cents » Sun Jan 13, 2019 1:54 pm

@wolf, I started my saving with low level, so this year good increase ratio was very simple. I don't invest in real estate, my horizon is only 5-10 years. My NW was increased by massive savings (saving ratio ~ 70%) and some underpriced stocks - you know, some political issues made stock market in Poland very fragile, prices are unstable and this caused some good opportunities to buy profitable shares like with 0,2 P/BV.

10cents
Posts: 36
Joined: Fri Sep 15, 2017 12:42 pm
Location: Poland

Re: dull numbers journal

Post by 10cents » Wed Feb 06, 2019 1:25 pm

That was month to clear "dead bodies from the closed". I had to pay for 2018/19 additional payments (also credit card). I tried to estimate my saving ratio, and it was low:

Cashable assets : 123,220
Stock assets : 243,470
NW : 168,490
1 m increase : 5990
12 m increase : 45,170

Combined salary: 10,300 PLN
My saving ratio was: 58,1%
One can see that 12 m increase was affected by stock looses 1/12 of 12 m increase was only 3764 PLN.
Non-stock profit ~ 200 PLN = 0,05% of portfolio.
So there is only one engine to pull me ahead.

10cents
Posts: 36
Joined: Fri Sep 15, 2017 12:42 pm
Location: Poland

Re: dull numbers journal

Post by 10cents » Thu Mar 07, 2019 1:23 pm

February was full of sun (considering winter in Poland and my PV produced 189 kWk ( 51 kWh/kwp)). On the money side, another month of massive saving and some loss from stock portfolio. I've also set aside some extra money for this year holidays.

Cashable assets : 124,100
Stock assets : 247,673
NW : 173,935
1 m increase : 5445
12 m increase : 42,868

Saving ratio : 50,9%, 1/12 of my 12 months increase = 3572 (terrible, because of good investment result in 2018 and bad one in 2019)

Almost forgot, I've got 7% pay rise :)

2Birds1Stone
Posts: 613
Joined: Thu Nov 19, 2015 11:20 am

Re: dull numbers journal

Post by 2Birds1Stone » Thu Mar 07, 2019 1:52 pm

Congrats on the raise! My family in Rzeszow reports very nice weather the past month.

10cents
Posts: 36
Joined: Fri Sep 15, 2017 12:42 pm
Location: Poland

Re: dull numbers journal

Post by 10cents » Thu Apr 04, 2019 1:06 pm

Spring is finally here in Poland. Temperature is mild 15-19 C, my PV installation is working very effective. 275 kWh in March is ~ 80% of my monthly need. Only stock market is limping but not falling. I'm in the middle of asset transfer process from taxable to non taxable securities account. I did utilized my non taxable limit for 2019 year.

Cashable assets : 126,600
Stock assets : 251,578
NW : 180,405
1 m increase : 6470
12 m increase : 43,402

Saving ratio : 62,5%, 1/12 of my 12 months increase = 3616 (terrible, because stock market is moody, people tend to keep cash or (new fashion - invest in apartments for rent)). i'm not convinced about apartments for rent, looks for me like short lasting fashion, but I can be wrong.

10cents
Posts: 36
Joined: Fri Sep 15, 2017 12:42 pm
Location: Poland

Re: dull numbers journal

Post by 10cents » Wed May 08, 2019 1:18 pm

Another month of good life, decent salary and weak investment. The only increase of my money possesion is due to saving, stock market is on a downhill. There are no "new" money on polish stock market and shares go down. Maybe another time :(

Cashable assets : 124,600
Stock assets : 259,042
NW : 187,001
1 m increase : 6600
12 m increase : 45,028

Saving ratio : 63,4%, 1/12 of my 12 months increase = 3752

10cents
Posts: 36
Joined: Fri Sep 15, 2017 12:42 pm
Location: Poland

Re: dull numbers journal

Post by 10cents » Thu Jun 06, 2019 12:39 pm

May, the month I love the most, the beginning of summer, but this year dissapointed me. Both weather and stock market. "Sell in may and go away", but what to do if you want to invest in a long way? I lack knowledge of active allocation.
I keep accumulating.

Cashable assets : 126,900
Stock assets : 260,770
NW : 191,437
1 m increase : 4400 (+6400 savings, -2000 investments)
12 m increase : 44,560

Saving ratio : 60,4%, 1/12 of my 12 months increase = 3713

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