If you’re interested, this page will provide my net worth progression since I started calculating it back in March 2018. I started to read up about personal finances in 2017, but I didn’t start calculating everything from the get-go. It would have been interesting to see the progression, because I estimate that my net worth was around – $50,000 in early 2017! That’s an easy estimation, considering I had basically zero asset and close to $50,000 in debt (new car and student loans). It just goes to show that once we put our minds to it, we can accomplish anything. 🙂


Here’s some visual support to see the progression over time:

And now, here are the details by month and year, including variation.


MonthNet WorthDifference
March- $25,181NA
April- $20,017+ $5,164
May- $19,265+ $752
June- $18,292+ $973
July- $15,639+ $2,653
August- $14,110+ $1,529
September- $13,318+ $792
October- $12,520+ $798
November$30,219+ $42,739
December$30,271+ $52
Total:+ $55,452

No, I didn’t receive an inheritance in November 2018. What happened is that I left a job that offered a defined benefit pension plan, to which I had contributed for four years. When I left, I was asked if I would rather leave the money there, to be paid a defined benefit at the “normal” age of retirement, or if I preferred to take out the money and invest it myself. Guess what I picked? 😉


MonthNet WorthDifference
January$34,119+ $3,850
February$35,629+ $1,509
March$45,995+ $10,366
April$48,147+ $2,152
May$46,608- $1,540
June$47,431+ $823
July$47,474+ $43
August$54,042+ $6,568
September$49,358- $4,684
October$51,171+ $1,813
November$53,184+ $2,013
December$55,444+ $2,260
Total:+ $25,175

In 2019, there has been a good increase, despite an average savings rate of 27%. I’m aiming for a lot more now. 🙂

You may have noticed two months with a negative variation. This was not even due to the stock market bumps. In fact, I had lent money to someone at the time, who then paid it back over several months.


MonthNet WorthDifference
January$58,798+ $3,354
February$61,111+ $2,313
March$66,795+ $5,684
April$76,419+ $9,624
May$80,802+ $4,383
June$84,824+ $4,022
July$90,635+ $5,811
August$97,378+ $6,743
September$97,795+ $417
October$98,416+ $622
November$110,113+ $11,697
December$117,805+ $7,692
Total:+ $62,361

What a crazy year 2020 has been! A staggering 50% average savings rate and crazy returns from the stock markets brought my net worth to a whole new level. I more than doubled what I had at the end of 2019. I am so grateful for such great results!


MonthNet WorthDifference
January$121,118+ $3,313
February$126,086+ $4,968
March$135,518+ $9,432
April$138,137+ $2,619
May$140,463+ $2,326
June$150,437+ $9,974
July$156,320+ $5,883
August$166,518+ $10,198
September$158,233- $8,285
October$169,669+ $11,436
November$174,587+ $4,918
December$180,135+ $5,548
Total:+ $62,330

The historical returns have continued into 2021, which shows the snowball effect on my net worth! That’s not to mention a smashing 55% savings rate! The addition of cryptocurrencies to my portfolio has certainly added a hint of volatility, but nothing I can’t tolerate 😉


MonthNet WorthDifference
January$181,734+ $1,599
February$178,689- $3,045
March$191,352+ $12,663
April$182,113- $9,239
May$177,588- $4,525
June$198,994+ $21,406
July$213,209+ $14,215
August$210,960- $2,249
September$204,247- $6,713
October$213,109+ $8,832
November$226,634+ $13,525
December$223,154- $3,480
Total:+ $43,019

Stay tuned! 🙂



Thanks for stopping by!

You can also support this blog by using one of my affiliate links or referral codes on different products I recommend.

Shakepay offers the easiest way for Canadians to buy and sell Bitcoin and Ethereum. Click on my referral link to open an account and we’ll both receive $10 after you buy $100 of crypto!

Also, Newton is a crypto exchange platform that provides users an easy and safe way to buy and sell Bitcoin, Ethereum, Cardano, Litecoin, Polkadot, Uniswap and much more! Click on my referral link to open an account, and we'll both receive $25 when you buy $100 of crypto!

Finally, Fizz offers fair prices every day on Home Internet or Mobile services. When subscribing, enter my referral code N5MMB, and we’ll both get $50 (promo valid until November 30, 2022).

Thanks for the support!