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I keep track of cash flow and net worth on a fairly simple spreadsheet. Since I've only got two checking accounts and one credit card account it is pretty easy to do. But I fiddle with the format occasionally and the month of April was a fiddle too far. I basically ended up with my mortgage payment listed twice which meant we lost about $1500 in cash flow in one month. It was a weird month anyway what with uninsured dental bills and inflation but that was a lot. I panicked a bit and red flagged any further spending for both Dana and me (she is great about that... I only have to say the word and she stops spending until I say it is OK). As sometimes happens I started looking at work opportunities and at advancing the beginning of her social security payments.
Then I found the error. Amazing what happens when you remove that second charge from the cash flow. Looks like we were actually almost $700 cash positive. The net worth went down if you don't include our house as I had to drain some for dental work.
BUT, then there is the house. We bought our house for about $280000 four years ago. I've refinanced it twice so our payments are incredibly low. And the Austin market is insane so now not even Mattea Roach can afford it. So weird.
Anyway, I'm breathing better and will be working to keep that positive cash flow going.
Then I found the error. Amazing what happens when you remove that second charge from the cash flow. Looks like we were actually almost $700 cash positive. The net worth went down if you don't include our house as I had to drain some for dental work.
BUT, then there is the house. We bought our house for about $280000 four years ago. I've refinanced it twice so our payments are incredibly low. And the Austin market is insane so now not even Mattea Roach can afford it. So weird.
Anyway, I'm breathing better and will be working to keep that positive cash flow going.
