February 2019:

- Electric/gas bill: super high but it has been a billion below zero degrees here with approximately 800 feet of snow
- Home expenses: not bad, only $20 over budget
- Gasoline: $10 under budget
- Parking: $55 due to a downtown class
- Groceries: Horrific.
- Restaurants: Over budget. I went out with friends twice, which seldom happens.
- Personal expenses: Horrific. I shouldn't need to buy any hair products for several months since they had a 43% off sale.
- Fitness: I bought new rock climbing shoes so I actually go to the gym and use my punch cards.

Otherwise, not too bad. I boosted my emergency fund up to $12K and started putting money into a separate checking account, since my main bank was out of commission for a few days. I'm $3000 away from having my 6 month emergency fund fully funded.

Current savings rates:
- 25% of net into savings accounts
- 9% of gross into retirement + 6% matched = 15% total
- 4% of gross into HSA

My therapist quit practicing rather abruptly, and I don't particularly want to start all over again with someone new, so I'm putting more into my HSA than I need to. Oh well. It will be well funded for next year.

I extolled the virtues of the snowball method of debt payoff to my coworker and found a pre-made spreadsheet online, and now he's super excited about it! It feels so good to share with people and then watch them embrace it.

I passed my vegan desserts class with flying colors and it was so, so fun. I'd like to take the vegan professional cooking course now, but it's $1300 (regular price), so I'll wait for the Black Friday sale. I started a line item in YNAB to save for it.