In my day job, the end of the fiscal year is kind of a big deal so it felt like a good time to look at my personal financial life for the past year.
Here's my Net Worth report (sans numbers):
The spike in February marks my tax refund. Alas, since Sylvia is turning 18 soon, I don't expect these kind of returns from now on, but I feel like I shouldn't need them anymore, either.
Because I continue to grow certain categories every month (Emergency Savings, Rainy Day funds), this has helped even in the months where I have large bills to pay (like the car maintenance last month). I'm sure a month or two without an upward trend would still be okay, but I admit, I like the current look of it!
This graph, btw, is brought to you by YNAB. I spend most of my YNAB time in the budget screen, but the reports, particularly this Net Worth report, can also be helpful.
Incidentally, being a month ahead also recently helped me. I don't know why I even try to multi-task anymore because it never works, but someone called when I was entering my time, and I thought I could both carry on a conversation and enter my time. When I checked my paystub the following week, I found that I'd missed a day. Oh, well, not the end of the world - just went back and entered it and it'll show up in the next paycheck. But I did think about those many years in the past when such a mistake would have completely stressed me out while I scrambled to figure out how to pay that week's bills and groceries. We would've been fine, but I don't need - or miss - that kind of stress.
When I first started YNAB (almost 2 years ago), I had a (very) negative net worth. I knew it would be a slow and steady race to get me to the positive, and even though I still get impatient sometimes for certain categories to grow, I know if I just stay on this path, we'll be okay.