challengeclub's Net Worth for January 2020

Assets	Value	Change ($)	Change (%)
Savings	$35,900	($1,800)	(4.77%)
Stocks	$900	-	-
Superannuation	$139,000	($1,500)	(1.07%)
House	$430,000	$5,000	1.18%
Investment Property	$275,000	-	-
Cars	$10,000	-	-
Personal Property	$20,000	-	-
Other Assets	$800	($100)	(11.11%)
Total Assets	$911,600	$1,600	0.18%

Debts	Value	Change ($)	Change (%)
House Mortgage	$329,200	($100)	(0.03%)
IP Mortgage	$133,500	-	-
Credit Cards	$0	-	-
Other Debts	$0	($10,000)	-
Total Debts	$462,700	($10,100)	(2.14%)
Net Worth	$448,900	$11,700	2.68%
^*All values shown in AUD ($)

Notes:
JANUARY 2020 Mercer IP settles 10 January Valued as $550K value (realistic) and Loan as $267K - so half of both apply to me $250K joint funds not counted then - nor left over amount after Finishing - will add any in later when occurs (half only of course) Super down $1000 approx - there was a sell off on 31 December! Disappointed as $100K ING has not really grown - because I was out for much of the year while it was best year in decade Will have to do less fiddling in that - hold stuff now (recoup $1K lost) and sell before correction coming - then buy and hold post correction (but MUST do it) and should be ok for LT Def STOP all when retire - as no inflows then - and let it accumulate somewhat until 60 But Super is just small part - property is what is setting me up instead Other Assets = $800 in CoinSpot Shares $900 as the BRN holding is a dud Home revised to $430K but mortgage now $330K ($329200 now) - can say $100K equity All will be sold in 2020 end or early 2021 anyway and to Joint Land then (which I will then count as whole not half as joint with Inna - therefore this NetworthShare becomes joint and increases) Land will be owned with $50K mortgage I hope and valued at $325K Inna paid Land Deposit in December but I did not - so none of it is counted until settled in future I repaid Inna $10000 and no debt Counting half $2000 in Bendigo shared account towards total cash And half of JWCA (set up now)

Notes:

JANUARY 2020

Mercer IP settles 10 January
Valued as $550K value (realistic) and Loan as $267K - so half of both apply to me
$250K joint funds not counted then - nor left over amount after Finishing - will add any in later when occurs (half only of course)

Super down $1000 approx - there was a sell off on 31 December!
Disappointed as $100K ING has not really grown - because I was out for much of the year while it was best year in decade
Will have to do less fiddling in that - hold stuff now (recoup $1K lost) and sell before correction coming - then buy and hold post correction (but MUST do it) and should be ok for LT
Def STOP all when retire - as no inflows then - and let it accumulate somewhat until 60
But Super is just small part - property is what is setting me up instead

Other Assets = $800 in CoinSpot

Shares $900 as the BRN holding is a dud

Home revised to $430K but mortgage now $330K ($329200 now) - can say $100K equity
All will be sold in 2020 end or early 2021 anyway and to Joint Land then (which I will then count as whole not half as joint with Inna - therefore this NetworthShare becomes joint and increases)
Land will be owned with $50K mortgage I hope and valued at $325K

Inna paid Land Deposit in December but I did not - so none of it is counted until settled in future

I repaid Inna $10000 and no debt

Counting half $2000 in Bendigo shared account towards total cash
And half of JWCA (set up now)

challengeclub's Net Worth for January 2020

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