Yes, little Moomin arrived this month and we are now officially Moominpapa, Moominmama, and little Moomintroll. As a result, this turned out to be a fairly low spending month as much of the ante-natal spending came to a halt. Moomintroll is a very big baby (something like the 99th percentile) with a big head (he is a Moomin after all :)). As a result they needed to do a Caesarian operation to get him out of Moominmama. As she needs to recover, I've taken extra time off work (beyond the 2 weeks paternity leave we get officially) to help her.
Here are our monthly accounts (in AUD):
Spending was $5,191. The biggest single expenditure was $1,105 for annual car registration, which includes third party insurance.
We earned $13.8k in salary and other current payments. After taking into account the mortgage payment of $3,550, which shows up as a transfer to the housing account, we saved $5.1k on the current account. We made $3.5k of retirement contributions, and saved a net $1.3k in added housing equity. Net saving was, therefore, $9.9k across the board.
Stock markets fell moderately this month. The ASX 200 fell 1.76%, the MSCI World Index fell 0.63%, and the S&P 500 fell 0.13%. The Australian Dollar rose from $US0.7070 to $US0.7152. We lost 2.47% in Australian Dollar terms and 1.34% in US Dollar terms. So we under-performed both Australian and international markets. The best performing investment was, unexpectedly, the Colonial First State Global Resources Fund, which gained $2,057, followed by the Winton Global Alpha fund gaining $1.5k. Commodities was the asset class with the best returns this month, followed by real estate, and then U.S. stocks. All other asset classes lost money.
As a result of all this, net worth fell $19k including housing equity (-$US2k) to $1.433 million ($US1.025 million).
Here are our monthly accounts (in AUD):
Spending was $5,191. The biggest single expenditure was $1,105 for annual car registration, which includes third party insurance.
We earned $13.8k in salary and other current payments. After taking into account the mortgage payment of $3,550, which shows up as a transfer to the housing account, we saved $5.1k on the current account. We made $3.5k of retirement contributions, and saved a net $1.3k in added housing equity. Net saving was, therefore, $9.9k across the board.
Stock markets fell moderately this month. The ASX 200 fell 1.76%, the MSCI World Index fell 0.63%, and the S&P 500 fell 0.13%. The Australian Dollar rose from $US0.7070 to $US0.7152. We lost 2.47% in Australian Dollar terms and 1.34% in US Dollar terms. So we under-performed both Australian and international markets. The best performing investment was, unexpectedly, the Colonial First State Global Resources Fund, which gained $2,057, followed by the Winton Global Alpha fund gaining $1.5k. Commodities was the asset class with the best returns this month, followed by real estate, and then U.S. stocks. All other asset classes lost money.
As a result of all this, net worth fell $19k including housing equity (-$US2k) to $1.433 million ($US1.025 million).
1 comment:
Oh my goodness, congratulations on the safe arrival of Moomintroll! And I wish Moominmama a good healing process.
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