It's the end of the first month of the new decade and I am happy to report that the Day of Zero was not a fluke - we still have a positive net worth!

This month we decided to try a cash budget and withdrew our amounts at the beginning of the month. We did pretty well until the last week or so when we had some overspendage using our debit cards. We still cut spending for the month as a whole but not as much as we would have liked. Starting tomorrow (February 1st) we will give it another go hopefully having better luck sticking to cash only. In the mean time here's where things stand:

We spent $3,638 this month, on everything. This may seem high, but it includes all expenses: mortgage, groceries, utilities, school books, loans, the "fun fund", etc.

We managed to earn $6,855 this month. Most of it came from our full time jobs, but we also earned over $1,000 from our side business. This is great, especially since it was a particularly slow month.


So after all is said and done our net worth ends up at $2,907! WooHoo!