Goblin Hoard – Net Worth Q3 2014

Chugging, chugging along. We had a spendy few months, so I’m not expecting our progress to be huge.


  • Home (Estimated Market Value): 80,000
  • 401(k) combined: 63,589
  • Cars combined: 2,000
  • Cash Savings: 9,094
  • Total: 154,683 (+351)


  • Home Mortgage: 105,080 @6.5% –> PMI makes it effectively ~7.1%
  • Student Loan (Chief A): 2,918 @0.1%
  • Student Loan (Chief B): 11,211 @6.5%
  • Student Loan (Alchemist A): $2,586 @0.1%
  • Student Loan (Alchemist B): $25,693 @6.5%
  • Roof Loan: 10,971 (no interest before March 2015)
  • Total: 158,459 (-2,470)

Net Worth: -$3,776 (QOQ +$2,821)

Net Worth (liquid assets only): -$85,776 (QOQ +$3,321)

Savings Rate (Delta NW/ Net Income): 23%

Net Worth Q3 2014


4 Comments on “Goblin Hoard – Net Worth Q3 2014”

  1. Looks like the countdown to positive net worth is on! Great progress this month!

  2. I just want to say that I really like your chart! And that blue line is getting awfully close to 0…

  3. Good work! One question, why is the roof loan going up? and do you plan to pay it in full with your cash savings before its due? Many interest free loans charge you all the interest from the start date if you pass the interest free pay off deadline…could be costly!

    • David says:

      The loan hasn’t gone up, but I’d had the balance incorrect in the Q2 article. The interest free deadline is mid-April. We will pay it in full, likely in January, and no later than February. I just want to get a little more cash in savings before wiping it out, just for emergency fund purposes.

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