I’ve lost a lot of steam on the zero-waste front.
September was a slow month. I was prepping to go on vacation. I went on vacation. I got sick after vacation. The month ended.
Here are my fitness stats for the month:
- Biking: 15.2 miles
- Pole classes: 1
Turkish language progress:
I now have 1,347 Anki cards. I’ve done 6,406 reviews. I have spent 6:35:48 reviewing with an average of 53 reviews per day. My grade is 71% C.
I’m behind again on my Rosetta Stone… I’m trying to finish Unit 10 this first week in October. I fell behind due to a vacation that lasted 1/3 of the month.
I’ve decided to focus only on the Rosetta Stone Units until I finish (there are only 12), while continuing to input my vocabulary into Anki and reviewing daily. When I finish Rosetta Stone I will begin my Memrise in earnest!
My main goal for the year was to save as much money as possible! I have been working the last few weeks with a financial coach. I decided to move most of my money into a Betterment account instead of working with an investing company. I am taking charge of my money, my savings, and my retirement.
Here are my goals in Betterment:
- Main retirement with my Roth IRA (already $16,000 in the fund and 30% funded for the year). Here is some info about the growth of my IRA according to my age and the amount I would potentially fund each year. In order to contribute the max $6000 each year to this IRA, I will budget $500 to come out of my monthly income starting January of 2020. Before the end of 2019 I plan to take $4000 out of my savings and put it directly into the IRA in order to max out my contribution allowance for 2019.
2. General investing… This is for any leftover income from the month I didn’t factor into my budget. I plan to grow this pot of money for many years.
3. Safety Net… This is a fund I want to build out to 6 months’ worth of living expenses ($12,000 with my current spending habits).
4. New Home… Eventually I want the option of purchasing a home and this would be the down payment. I plan to contribute $70,000 over the course of 10 years.
5. Care for Parents… Just in case… I plan to contribute $70,000 over the course of 10 years.
6. Travel… I plan to save $2000 for travel in a year.
7. New Phone… My current iPhone Xs (which I absolutely love) is one year old and I plan to have enough funds to purchase a new phone for around $900 in a year. I don’t expect to purchase a phone in one year, but I want to have the funds available should I need to buy a new one or have the inclination when the new models come out next September.
8. New Computer… I use two desktop computers and they are both over 4 years old. My laptop was a refurbished Surface Pro that I got over 5 years ago. All three of these devices have started to show signs of aging and eventually I would like to purchase a high end laptop that I can connect to my wonderful dual monitors. I plan to save $1200 in one year. I will probably only buy a new computer when my laptop no longer works sufficiently (the battery still lasts 5 solid hours now). I will probably continue saving every month until I actually buy a new computer.
9. New Car… I sold my car last month. My partner and I are sharing his VW GTI – which has everything I want in a car: reliability and seat heaters. Joking aside, we eventually might want or need two cars again or to replace his car so I’m saving $12,000 over the course of two years .
10. My final goal is to purchase the equity I have in the company I work for. The equity I own has various purchase prices and deadlines but I made a goal of saving $23,681 over the course of 3 years to purchase the first stocks that would expire.
My savings plans for all the above goals involve saving and contributing the full amounts, but I hope my money will work with me and generate additional interest on top of my contributions so my money will go farther when I’m ready to pull it out and spend it. I will also re-evaluate these goals every few months. My 11th financial goal is to get my savings to work for me as well and to open a high yield interest savings account and put the rest of my ‘cash’ money into it.
In case you were wondering what I actually spent in September… Here are the stats: I spent 59% of my day job income and 49% of my income overall for the month of September. I was surprised that I was able to earn as much side income during this month as I did since I was out of state and on vacation for 10 days. I made a few changes to my monthly budgeting. I thought it was prudent to make a new category for “education” expenses as well as “gifts.” This reduced the amount of miscellaneous expenses I couldn’t fit into other categories.
Want to know where I am under budget for the year? Writing, Clothing (not a category anymore as I collapsed it into ‘household’), Health, Fitness, Education, Groceries, Household, Travel, Entertainment, Car, Housing, Phone, Misc, Charity. There are still three months in the year left to go though! More importantly, here are the categories I’m already over budget on: Eating Out and Gifts.
I signed up for three sales events for 2019:
11/29 at the Holly Jolly Holiday Market at Thomas Family Farm in Snohomish in the morning.
12/7 at the Si View Holiday Bazaar in the afternoon.
12/14 at the Artisan’s Holiday Faire in the Monroe Fairgrounds starting midday.
Will I ever actual get to writing? I don’t know. Maybe I’ll rustle up some time and motivation for NaNo this year. I do want to finish my contemporary romance book (and eventually series) that is already started.
I spent quite a few hours preparing for our big Disneyland vacation this year and it went really well! I’ll leave a few of my favorite photos here. If you are planning to go, make sure you get a reservation at Oga’s Cantina, ride in the front of every roller coaster you can (especially the ones with pictures), go back at night and during the day to Guardian’s of the Galaxy in DCA, and get the mint julep and beignets from the Julep Bar.
What are your goals and how are you meeting them this month?