Housing fund not updated this periodquarterly account, due this month — carried from last time
Home & car at 83%, 11 points off targettarget 72%; red band is beyond 10 points
Next home down payment behind by 2 yr 3 moat the last 6 months’ savings pace
我们家
Statement of Financial Condition
Sep 30, 2026
| Sep 30, 2026 | Aug 31, 2026 | Change |
|---|
| Assets |
|---|
| Liquid assets |
|---|
| WeChat Pay | ¥12,400.00 | ¥11,000.00 | 1,400.00 |
| ICBC salary account | 186,000.00 | 180,400.00 | 5,600.00 |
| Total liquid assets | 198,400.00 | 191,400.00 | 7,000.00 |
| Investment assets |
|---|
| Brokerage (A-shares) | 342,500.00 | 287,600.00 | 54,900.00 |
| Total investment assets | 342,500.00 | 287,600.00 | 54,900.00 |
| Retirement assets |
|---|
| Housing fundcarried | 128,900.00 | 128,900.00 | — |
| Total retirement assets | 128,900.00 | 128,900.00 | — |
| Use assets |
|---|
| Homecarried | 3,200,000.00 | 3,200,000.00 | — |
| Total use assets | 3,200,000.00 | 3,200,000.00 | — |
| Total assets | ¥3,869,800.00 | ¥3,807,900.00 | 61,900.00 |
| Liabilities |
|---|
| Current liabilities |
|---|
| CMB credit card | ¥8,300.00 | ¥7,200.00 | 1,100.00 |
| Total current liabilities | 8,300.00 | 7,200.00 | 1,100.00 |
| Long-term liabilities |
|---|
| Mortgage | 1,486,000.00 | 1,489,200.00 | (3,200.00) |
| Total long-term liabilities | 1,486,000.00 | 1,489,200.00 | (3,200.00) |
| Total liabilities | ¥1,494,300.00 | ¥1,496,400.00 | (2,100.00) |
| Net worth | ¥2,375,500.00 | ¥2,311,500.00 | 64,000.00 |
| Memorandum: Investable net worth | 661,500.00 | | |
| Memorandum: Liquid net worth | 415,000.00 | | |
我们家
Statement of Changes in Net Worth
for the period Aug 31, 2026 to Sep 30, 2026
| Net worth at beginning of period | ¥2,311,500.00 |
| Increases in net worth |
|---|
| Income | 32,000.00 |
| Increases in estimated current values of assets — Investments (market) | 49,900.00 |
| Total increases | 81,900.00 |
| Decreases in net worth |
|---|
| Personal expendituresderived | 11,300.00 |
| Interest | 6,600.00 |
| Total decreases | 17,900.00 |
| Net increase (decrease) in net worth | ¥64,000.00 |
| Net worth at end of period | ¥2,375,500.00 |
我们家
Statement of Cash Flows
for the period Aug 31, 2026 to Sep 30, 2026
| Current period | Prior period | |
|---|
| Cash inflows |
|---|
| Take-home income | ¥32,000.00 | ¥32,000.00 | |
| New borrowing | 1,100.00 | — | |
| Total inflows | 33,100.00 | 32,000.00 | |
| Cash outflows |
|---|
| Savings and investments | 5,000.00 | 5,000.00 | |
| Debt service — Principal | 3,200.00 | 4,880.00 | |
| Debt service — Interest | 6,600.00 | 6,640.00 | |
| Living expensesderived | 11,300.00 | 11,600.00 | |
| Total outflows | 26,100.00 | 28,120.00 | |
| Net cash flow | ¥7,000.00 | ¥3,880.00 | |
| Cash at beginning of period | 191,400.00 | 187,520.00 | |
| Cash at end of period | 198,400.00 | 191,400.00 | |