{"id":8849,"date":"2012-01-16T00:15:13","date_gmt":"2012-01-16T08:15:13","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=8849"},"modified":"2022-05-22T10:18:39","modified_gmt":"2022-05-22T17:18:39","slug":"the-apocalypse-can-wait-my-state-of-the-household-report-for-2012","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id8849-the-apocalypse-can-wait-my-state-of-the-household-report-for-2012.html","title":{"rendered":"The Apocalypse Can Wait: My State of the Household Report for 2012"},"content":{"rendered":"

\"\"<\/a>As the old saying goes, knowledge is power.<\/p>\n

When it comes to tracking personal finances, one of the most important pieces of information in you can have in your knowledge database is a detailed summary that highlights where your household income was spent during the previous year. Such a summary not only provides extraordinary insight into your spending patterns, but it also helps you optimize your personal finances.<\/p>\n

I’ve been using an Excel spreadsheet since 1999 to steadfastly track how my household has spent every earned dollar that wasn’t used to pay federal and state taxes, or contribute to my 401(k) retirement fund. I know. Yes, it may be a bit obsessive, but hopefully, by sharing some of these details with you, I can motivate a few of you to do start keeping more detailed records of your own.<\/p>\n

\"\"<\/a>The Big Picture <\/strong><\/p>\n

I only check my net worth once per year<\/a>. That’s because I find net worth to be an irrelevant statistic unless I plan on liquidating all my assets in the near future, which I don’t.<\/p>\n

That being said, the annual percentage change<\/em> in net worth does give a fairly good indication of whether or not my personal finances are either improving or, perhaps, in need of some extra attention.<\/p>\n

As of 31 December 2011 our household net worth was approximately $779,000. That’s a four percent increase over 2010.<\/p>\n

When it comes to net worth, I also like to track it sans my home equity because I need a place to live and don’t plan on selling it anyway. Somewhat ironically, that number increased 12 percent this year, helped along by the falling value of my home.<\/p>\n

Overall, household assets increased three percent while liabilities fell two percent.<\/p>\n

So, after reviewing the latest numbers, I am pleased to report that the state of the Penzo household remains extremely favorable.<\/p>\n

We continue to be financially disciplined. On the liabilities side, outside of our very small mortgage, we still have no loans, credit card debt or other obligations. As a result, I am essentially enjoying a life of financial freedom.<\/p>\n

My Long Term Financial Performance 1999-2011<\/strong><\/p>\n

I love the next chart. It’s a graphical representation of the Penzo family household expenditures between 1999 and 2011 as a percentage of my gross income. It also happens to provide an especially important financial lesson for twentysomethings<\/a>: Although being fiscally disciplined is tougher early on when income is tighter, it eventually does lead to the promised land of financial freedom — perhaps even quicker than you might think. To prove it, let’s focus on my my loan obligations and savings.<\/p>\n

\"\"<\/a>
\nLoans<\/strong><\/span><\/p>\n

Worst Performance: 39.9% of gross salary (1999)
\nBest Performance: 5.0% (2011)
\nCurrently: 5.0%<\/p>\n

The degree of financial freedom I enjoy increases every time that red line falls toward the bottom of the graph. That’s because it shows the percentage of my salary obligated to paying off debt. At one time, two out of every five bucks I earned went to my creditors. Today, it’s barely 1 out of every 20. Hopefully, that falling red line will inspire folks who are making big sacrifices now building their retirement funds and emergency savings to stay the course. I also hope it motivates others to get off the debt treadmill.<\/p>\n

Key Takeaway:<\/strong> The best method for keeping that red line on a steady, if not steep, downward trajectory is to continually grow your income and minimize your debt.<\/p>\n

Savings<\/strong><\/span><\/p>\n

Worst Performance: 1.6% (1999)
\nBest Performance: 18.9% (2006)
\nCurrently: 14.6%<\/p>\n

Cash savings extracted from my take home pay — but not including my 401(k) contributions — are represented by that lime green line. Due to the extremely tough business climate where I work, we purposely saved a larger portion of my income in order to avoid financial Armageddon and increase our household cash reserves in the event of a layoff<\/a>. Thankfully, I managed to stay gainfully employed all year long.<\/p>\n

Key Takeaway:<\/strong> Smaller debt loads provide greater flexibility to financially cope with an economic hardship — whether it’s anticipated or not.<\/p>\n

\"\"<\/a>2011 Financial Performance<\/strong><\/p>\n

Finally, here is an illustrative breakdown of how we spent our money last year.<\/p>\n

The chart to the right shows the changes where the household income was allocated over the previous year.<\/p>\n

This year the biggest impact of redirecting a greater portion of my income to savings was fell on our home expenses; we had to cancel plans to remodel our master bathroom<\/a>.<\/p>\n

Despite my rising income, we spent more to maintain our two aging automobiles. Despite my family’s love of leftovers<\/a>, our grocery bill also increased, which is undoubtedly attributable to the increasing appetites of my 12- and 14-year-old kids. However, I also believe the increase is a legitimate sign of increasing inflation.<\/p>\n

Thankfully, we managed to spend less in almost every other category last year.<\/p>\n

In Conclusion…<\/strong><\/p>\n

By doggedly tracking household spending data through the years, I’ve been able to better manage my household expenses. I think my data clearly reveal positive trends that are typical for households with a genuine commitment to living within their means. It also proves how sticking to a disciplined budget can lead you to a better life in the long run.<\/p>\n

Knowledge is power. For most people, it’s a critical component to achieving financial freedom<\/a>.<\/p>\n

Photo Credit: Jan Tik<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

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