February 8, 2016
Our 2016 financial goals are pretty normal. How about some personal goals this year? Setting quarterly goals last year was a good format, even if I missed the target on several of them. This year, I’m taking a different approach to the goals because, as it turns out, I don’t need motivation to work more or harder but I do need some motivation to do things that are just good for me.
In that vein, these won’t be assigned specific dates since they’re more fluid.
Reading
I have missed reading so much. 2015 was not my year for reading books. It was my year for reading comics on the phone app, but only once in a while, when breastfeeding or so tired I couldn’t sleep. This year, I have a stack of books on my shelf, by my bedside, and a subscription to Marvel Unlimited. Now the real problem is if I have some time and accessible books, I will read til the dawn breaks.
Travel
We have firmly decided to tackle travel, and flying, this year with LB. Thanks to all your reassurances, I understand that mostly it won’t be a huge world-ending thing but we do have to take a few outlier things into account: my uncertain, but certainly limited, energy levels; overall travel costs; balancing the time off with our work and vacation time.
We’ve got a late summer Hawaii visit on the books, along with a spring visit to the packed-to-the-gills Emerald City Comic Con. I’d dearly like head to New York and soak in the wonders of the Hamilton musical while visiting with dear friends we haven’t seen in ages. Even my addled mind admits that’s probably too much to manage this year though, because you start with New York and find yourself adding on New Jersey, Maryland, and Virginia/DC because how do you go cross country and miss this friend, or that friend?
If we do Maui and the Big Island, I’d love some food and adventure recommendations! (more…)
February 1, 2016
Change from Dec 2015: 0.6% decrease
0.6% decrease from last month
ON MONEY
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We made it through the holidays intact in most ways, despite running on empty and for that, I’m grateful. Like a giant nerd, I’ve decided to change our financial reporting for the new year. Presenting money news: Konami Cheat Code-style!
It’s a clean slate as far as percentages go, whatever this month’s net worth is will be the number I compare each coming month to.
Up: A friend told me that I inspired her to start saving and investing because my #1GoodMoneyThing hashtag made it seem simple and not intimidating! That made my entire month.
Up: I negotiated a huge discount on my hosting fees for 3 years, thanks to Donna for the kick in the pants post. This added a year to my already paid service cycle, and netted a refund of $120. Since this blogging venture isn’t exactly raking in the moolah, that lowers the cost of entry so that I can cover the cost of a hobby. (more…)
January 15, 2016
2015 highlights
SPENDING
The good: I took an extended (for Americans) maternity leave with only partial salary. I needed every minute of that time to recover from LB’s delivery, so I’m grateful that we fought to make that happen.
We hosted family and friends throughout the year, traffic to our wee abode was easily four-fold higher thanks to the draw of a fresh-made baby. This wasn’t cheap between feeding them and housing them but we managed to stay within budget.
We even traveled and enjoyed some of it despite the massive increase in gear and logistics. Lowering expectations made a big difference. (more…)
January 8, 2016
Change from Jan 2015: 23.5% increase
0.23% decrease from last month
ON MONEY
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Spending
Much as I would like to cut out all Christmas gift spending, that’s not going to happen overnight. I’ll instead be glad we’ve gone to a somewhat more organized, pick a person system now and hope that someday we can maybe only do small gifts for kids or something. Honestly, we don’t need anything and the things we want, we can save up for, for ourselves. It doesn’t make much sense to me to share our wishlists so they can buy things we want and we can buy things they want – it’s just a swapping around of money. Signed, The Grinch
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Because Dad didn’t bother to tell me he’d need some help staying warm this season, and we’re looking at a potential record El Nino year, I had to do some unexpected post-Christmas shopping. I won’t dwell on how much we could have saved had I known before. We bought him a new blanket and coat: $150 after discounts, and using old store credit we’d had on hand.
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December 2, 2015
Change from Jan 2015: 18.7% increase
0.23% decrease from last month
ON MONEY
I use Swagbucks. Here’s a handy tutorial if you’d like to join and earn.
Spending
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The huge cash withdrawals are still happening: half of our property tax bill was due, the other half will be due early next year, our mortgage prepayment actually went through (though we had a specific amount we took directly out of savings so that wasn’t a scramble).
The large withdrawals for my retirement savings will drop to a lower monthly amount starting in January thereby improving our cash flow by a couple hundred dollars. That’ll be good. I hate feeling like we have zero cash flow cushion.
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November 2, 2015
Change from Jan 2015: 19% increase
3% decrease from last month
ON MONEY
I use Swagbucks. Here’s a handy tutorial if you’d like to join and earn.
I kicked some financial-planning tuchus this month!
I rearranged our banking to accommodate new regular expenses, got our estate planning lawyer lined up and retainer fee-d, sorted out the paperwork for Phase 2 in LB’s childcare arrangements, had the life insurance nurse visit for the necessary lab work. HUGE.
Expenses
Three huge checks: One for our estate planning, one for LB’s care. I was expecting those, but they still felt like an elbow to the solar plexus. Then a big whack at our mortgage. That was satisfying.
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October 2, 2015
Change from Jan 2015: 15.2% increase
0.5% decrease from last month
ON MONEY
I use Swagbucks. Here’s a handy tutorial if you’d like to join and earn.
Spending
Last we checked, I was dreading phone replacement. Dragged my feet, in fact, even though the phones were being outrageously non functional: turning off randomly, refusing to turn back on, “the camera is not connected” messages. Neither of us wanted phablets, which is where all the newer smartphones today are headed, and we definitely didn’t want the $1000+ bill that comes with two new phones. But it seemed like the best we could do was a certified used phone for about 20% less and any used electronics from an unknown seller always makes me nervous.
During our intense research period, PiC was gifted a new to him used phone, and that was a huge relief. I bought him a new case and charging cords, he did SIM card surgery, and he’s set! I deleted a bunch of apps and data from my phone and that’s helped a little bit so that I don’t have to rush out and replace it with something expensive. We were looking at the Samsung Galaxy 6 but it’s huge and so’s the price tag.
*keeps phone on life support*
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