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Archive for February, 2017

budget categories?

February 28th, 2017 at 07:19 am

How do you categorize vitamins and powdered supplements? Personal care, groceries, its own category, or something else?

I make a smoothie nearly every morning with several powdered supplements (including protein powder and mushroom powder) and frozen fruit. I count the fruit under groceries but I've been counting the supplements under personal care. I also take a multivitamin, vitamin D, and vitamin B, and I count those under personal care too. Needless to say my personal care budget category is really high, but I'm not spending all of that on shampoo or toothpaste.

Let's not even talk about how much I spent on groceries this month! I had such a frugal January. On the plus side - my favorite protein powder is on sale at Costco, so I bought the max and will give half to my mother (she loves it too). It's good until 2019, and like I said, I use it almost every morning!

I bottled my latest batch of kombucha, and this time I added turmeric and sliced fresh ginger. I read that that may help increase carbonation. I'm excited to try it in a few days!

This week's lunch soup is a delicious three bean and vegetable chili from the New Fast Food cookbook, made in my Instant Pot pressure cooker. It has become my new favorite! Beans cooked from dried, onions, garlic, zucchini, fire-roasted tomatoes, corn, and kale. Very summery. I like to think that it's helping me fight off all of the viruses floating around the office!

Tuesday thoughts

February 21st, 2017 at 01:30 pm

A friend convinced me to start running with her again. She's training for a 10K at the end of May, which I might sign up for too. I haven't run consistently since my first (and last) half marathon over three years ago. The weather has been so gorgeous lately that we did a couple of runs outside last weekend! I picked up a few new running/yoga shirts during the President's Day sales. More than anything, I need my work pants to fit well again.

I'm struggling with my financial goals feeling so out of reach. I should have started saving for a house the moment I started working (although, I guess I was paying off student loans at that point). My rent is doable but high. As much as I'd love to move to the west coast, I don't foresee that happening while my parents are still living, or without a viable career path. Even a 10% downpayment is SO much money, though! I'm trying to figure out how to make that happen as quickly as possible.

Unfortunately I will need a new car before a house. I'm doing what I can to keep this one going but it's not worth properly fixing at this point. Truth - I've never had a car payment thanks to generous gifts from my family, including this car 12 years ago. I've been looking at used vehicles for at least a year but wow - high miles and high payments seem to be the norm!

I also need to bulk up my emergency fund - that's priority one!

pottery, taxes, etc

February 15th, 2017 at 08:47 am

I'm taking a wheel-thrown pottery class with my sister. I took two rounds of this class ages ago (like 12 years ago), and for some reason I had convinced myself that I might be better at it now. Ha. I'm only halfway through the course and I can't wait for it to be over. In 10 years when I think I might like to try this again, someone please remind me that I hate pottery and am terrible at it, would you?

So far this week:
$10 - Extra bag of clay to share (I paid my sister's half)
$12 - Allergy meds
$12 - State taxes

I had my job review; all went well, but I need to step up my goal-setting if I'm going to move forward. It's great having such a supportive supervisor.

I finished my taxes yesterday. $12 paid to state, $127 back from federal, but the amazing piece - $648 back for my state rental refund! I was not expecting that. My rent is so high, it's a nice bonus.

nearly a no spend week

February 13th, 2017 at 09:08 am

I'm pretty pleased with the last week, spending-wise! I only bought one song on iTunes; all other spending was on pre-scheduled bills. It's not particularly fun to restrict spending and restrict food intake at the same time, but I'm doing ok. Last weekend wasn't great eating-wise, but I threw out the rest of the birthday cake yesterday and had a salad for dinner!

Yesterday's batch cooking included baked tofu, an enchilada casserole, and Thai cauliflower chickpea soup. I have a lot of salad greens to eat too.

Since I was feeling a little miserable last weekend about my self-imposed double restriction, I refocused my savings goal to save a total of $5000 this year. A solid goal may help me stay focused, rather than the ubiquitous bigger emergency fund, buying a car (someday soon), buying a house (preferably before I'm 50). My first benchmark for this year is $4000 in my emergency fund. Should be there by the end of July if all goes as planned.

Happy Monday!

high spend weekend

February 7th, 2017 at 02:27 pm

I spent a bit more than anticipated over the weekend.

- I found out that my favorite music artist will be here soon, so I splurged and bought a ticket.

- Dinner and drinks with friends

- Chipotle lunch

- Costco grocery shopping - $65 this time! - and gasoline

- Target (the land of magical disappearing money - wasn't too bad this time though)

- Trader Joe's - I bought a case of unsweetened soy milk for my weekly soy yogurt, so I won't need to go back for a while.

- Birthday massage

- Carrying bag for the awesome yoga mat that my coworker gave me for my birthday

I did get a gift from my parents and a rebate from 1-800 contacts, and most of that spending was planned. I should be good to go on groceries for most of the month, and nothing else exciting is planned for now!

I spent some time writing out my goals/affirmations for the next year. Focusing on what I want for the future will drive my choices.

I didn't watch one minute of the Superbowl! Wink

Feb 3

February 3rd, 2017 at 11:17 am

{deleted the work situation}

In actual financial news, I spent a record low of $238 on groceries in January. Coupled with $62 cash in restaurant eating, I spent $300 on food. I'm still busy eating down my pantry and freezer.

Another record low? $48 in gasoline. February may be slightly higher, since I'm taking a community ed class. All in all, I feel good about January, and aspire to make February even more frugal.