dull numbers journal

Where are you and where are you going?
10cents
Posts: 33
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: 33
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: 33
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: 33
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: 33
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: 805
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: 33
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: 33
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: 33
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: 520
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.

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