8.19.2024
Looking Back: Books + Life
5.06.2024
Looking Back: Books + A Bonus Question or Two
3.25.2024
Looking Back: Books
As I mentioned last week, I have been struggling a little bit to concentrate on books lately. However, I am happy to report two things. First of all, per Engie's recommendation, I started reading A Wizard's Guide to Defensive Baking. I am about two thirds of the way through it and so far, it is just what I needed! It is light and fun and easy and there are gingerbread men who come to life. I will report back when I am done, but I think the reading funk has been banished!
Secondly, just because I have not had a lot of luck in March does not mean that the last quarter was all bad. Here are several books that I read during the first quarter of this year that I did enjoy!
The Secret Book of Flora Lee by Patti Callahan Henry: In 1939 Hazel and her younger sister Flora are sent out of London to the country to live to escape the bombs. One day, while playing near the river, Flora vanishes and Hazel blames herself for her sister's death. Years later, Hazel is working at a publisher when she reads a manuscript of a story that only her and her sister would know. This makes her believe that maybe her sister is still alive after all. I enjoyed the story itself and the author's writing style, and was even surprised from time to time as the story progressed.
None of This is True by Lisa Jewell: Unassuming Josie bumps into famous podcaster Alix in the bathroom of a local restaurant at their separate birthday celebrations. After that Alix runs into Josie several more times and eventually even agrees to interview Josie for her podcast. Of course Josie ends up being different than expected, and there are many twists and turns along the way before we find out what is really going on. This is another typical Jewell novel, but I mean that in a good way. Some of hers have been a little less exciting than others, but this one did not disappoint.
The Paris Daughter by Kristin Harmel: This is the story of two friends during WWII. When Elise becomes a target of the Nazis, she entrusts her daughter with her friend Juliette to care for until it is safe to send for her. When the war is finally over, she returns home to find Juliette's house reduced to rubble, Juliette nowhere to be found and no knowledge of what transpired during her daughter's final moments. She searches for years to find Juliette in order to get answers about her daughter so that she can have some closure in her life at last.
Mr. Mercedes by Stephen King: This is not your typical King horror novel; it is a thriller about murder and an ex-detective named Hodges who tries to solve the mystery of the killer and of course there are some twists and turns along the way. I was pleasantly surprised, as I was not sure what to expect after years of not reading a King novel (but I did read most or all of them back in the 90s!).
Evil Eye by Etaf Rum: The tale of the expectations placed on Palestinian-American women, this is the story of Yara. She married the right guy, moved to the suburbs, had children and is doing everything right, as her culture expects. However, after her husband forbids her to go as a chaperone to a school trip, she begins to wonder if she really is happy, and if she is not, how she can be happier but not rock the boat with her family. This seems impossible and is an interesting look into the struggles that some woman face even still.
The People We Keep by Allison Larkin: April leaves home early after a fight with her Dad and goes off to make her own way in the world. She moves from city to city trying to find her place in the world, and meets a lot of interesting people along the way. This is more of a character driven novel, which I am not always a big fan of, but I did find some of her trials and tribulations interesting and felt engaged with her throughout the story.
Kill Show by Daniel Sweren-Becker: This one got accolades from many of you, and I jumped on the bandwagon a little late, but I am glad that I jumped, as it did not disappoint! It is a story of a girl who goes missing and her family's struggles to find her. To do this, they agree to make a reality show about her disappearance in real time. The best part was that it was done in an interview style format, which really kept me engaged the entire time. It has an essence of Gone Girl, in that it keeps you guessing and tickles you a bit at the end.
What was your favorite book over the last three months? Have you read any of the above and/or did you enjoy them? What is your favorite genre?
1.08.2024
Looking Back: 2023 Money Pie
Who is ready for a slice of money pie? As you may know, I always do a debrief with myself at the end of each year to see where all my money has gone! I also do a quarterly net worth statement just to get a read on where things are, but I will not be posting that here! :)
In 2023, I am happy to say that I decreased my overall spending from 2022 by about 12% and came in below my yearly (8 year) average by about 9%. The main drivers of this decrease were the travel and home categories, which I will talk more about below.
Here are the categories in the order of largest percentage to smallest.
Home: 63.2%. Interestingly, last year my home category was 63.7% of my overall spending and in 2021 it was 64.1%, so I guess no matter how you slice it, the home category continues to be almost two thirds of my spending! This category includes mortgage, utilities, taxes and insurance, as well as other misc. items, such as home improvement, maintenance and furnishings. 80% of this number is mortgage and property tax. You may remember that I mentioned last year about how I was paying a little extra into my mortgage? This year, given the good rates on cash, I stopped doing that and put the money into high yield savings instead. Due to this, I decreased the actual dollar spending amount in this category by about 13% from last year.
Transportation: 12.2%. This normally includes Lyft/Uber, public transportation, car insurance, maintenance, registration, gas, tolls & parking, but this year I added bike maintenance and parking fees to the category as well. Despite commuting by bike from July to December, I still had public transportation costs, but the main culprit in this category was body work after my car got broken into. I also got four new tires for the Red Rocket and did a full body tune up on Bertha.
Travel: 6.6%. This category includes airfare, car rental, lodging and any groceries, dining out or transportation incurred while traveling. Although I did not travel internationally and much of my travel consisted of tent camping and eating my own meals, some of the other costs incurred during travel were quite expensive this year. I went to Alaska, and the rental car alone was about $1,500!! It was an SUV though and we actually slept in it several times, so saved on hotels, thank goodness. However, even with this, I spent about 50% less on this category than in 2022.
Misc.: 4.4%. This category includes gifts, haircuts, legal fees, fees for credit cards, tax prep software and education expenses. I had to pay for my yearly CFA dues, legal fees to set up a trust and annual credit card fees, but other than that, the bulk of this category was for gifts! (PS no haircuts in 2023 😊)
Groceries: 3.7%. This category went down by 38% from last year, mostly due to the fact that part of my purging process was to stop buying new stuff until I had used up older stuff! I would say that I did a pretty good job and have had fun being creative with cupboard items, but I still bought the regulars like butter, eggs, fresh veggies and cheese. My other saving grace for this category was less trips to Costco and/or only allowing myself to buy what I went in there for! I do have a tendency to grab yummy looking things oh a whim, but this year I put a stop to that! Funny though, out of my six visits to Costco, I bought tortilla chips on five of them. Some habits you just can't break.
Dining Out: 3.5%. This category includes eating out, coffee and booze. This one is a little misleading this year, as I decided that in an effort to spend time with people and have experiences rather than buying more things, I would enjoy meals with them! Given this, I bought meals for friends several times. I could technically call this "gifts," but for now I am going to leave it as dining out. However, it does inflate this category a bit, and I had a 200% increase over last year.
Entertainment: 3.1%. This category includes music, theater, sporting events, cycling and running & camping expenses. In 2023, I went to two shows (Les Mis and Book of Mormon), a couple of sporting events, but my biggest categories for this are still running (32%), hiking (20%) and cycling (19%). My biggest purchases were race fees (three races), a new GPS watch and a new rain jacket.
Health: 2.6%. This category includes health insurance, out of pocket costs, massages, medicines and vitamins etc. This year most of my visits were covered as preventative, so the bulk of this cost is the insurance itself.
Shopping: 0.8%. This category includes toiletries, clothing, misc. home items & appliances, electronics and books. Basically this year I bought three things in this category: a new camera, a 3-pack of underwear that I hated and feminine products. Trying to purge more has really made me think about things more before buying. Also some of the camping etc. items I did buy are included under the entertainment category.
I do also put some money aside for investments and saving each year, but since this money is not yet "spent" I do not count it in this analysis. I also do not include income taxes, but if I did, they would probably be my highest category! However, since I don't have much control over them, I am going to leave them out for now.
Do you do a yearly review of your finances? Do you have a budget? What is your biggest spending category?
1.04.2024
Looking Back: Purging Progress Report Q4
Well folks, the year has ended and it's once again time to be accountable for what my plans were at the beginning of the year. As you know, I try to purge a little each month every year so that I don't get a glut of things that I have to eventually go through all at once. My three areas I wanted to work on for the last three months of they year were reading nook, health and plants.
Reading Nook -- Before |
Reading Nook -- After (don't mind the disassembled shelving) |
Too many plants! And this is just a fraction of them. |
One (of many) load(s) of donations! |
10.02.2023
Looking Back: Purging Progress Report Q3
And just like that, the third quarter of the year has come to a close! As you know, earlier this year I talked about doing some purging and it's already time for the accountability check in again! My three areas I wanted to work on for the months of July, August and September were bedroom/shoes, kitchen/dishes and living room/hall/spare room.
I feel like Old Mother Hubbard. |
Don't worry; I have two more coffee cups but they are in use. |
Don't judge - Bertha lives in my living room. |
9.29.2023
Looking Back: Books
8.10.2023
Then Versus Now
Now that summer is officially underway, I thought this would be a great time to talk about what summer means to us all. I have written before about what summer was like when I was a kid, so I thought that today I would talk about the then vs. now.
Then: We used to have a campfire every weekend. We would roast marshmallows and hot dogs and just stand there, flipping from front to back to keep both sides of us warm after a cold river swim. Now: I might whip out the backpacking stove on a trip to make coffee or rehydrate my dinner, but I am not really a big campfire person. I guess part of it is that it smells and I am going to be wearing the same clothes for several days and they are already going to be smelly enough, so I don't really want to walk around smelling like a forest fire on top of it all. The other part is that sometimes there are a ton of mosquitoes and I would rather just chill in the tent and read. In other words, I am a party pooper.
Then: We used to sleep outside in the backyard in the summertime. All of my cousins would be there and we would be lined up, sleeping bag to sleeping bag, under the stars. Now: While I have never slept in my current backyard, I definitely still sleep outside on a regular basis! A modern summer usually involves at least two weekends and and at least two weeks of camping and backpacking each year! I don't cowboy camp (sleep with no tent) as much as I did then, but I do like to sleep in the tent without the rainfly on it and gaze at the stars through the mesh! Another big change is that I use a sleeping pad now, whereas we used to sleep right on the ground.
Then: I would spend a couple of weeks each summer with my aunt and uncle, who live in the Bay Area. I could eat what I liked, watch MTV all day, hang out with my baby cousins, and go watch the Giants with my uncle. Now: I live in the Bay Area; I usually go to at least one Giants game per year, and I eat what I like, although I guess now I should be providing my aunt and uncle with their favorite foods instead! Also, my baby cousins all now have babies themselves!
Then: We used to spend endless hours at the river, swimming, chasing white rocks, having contests of who can stay under the water the longest, or swim across the river the fastest, or throw a rock the furthest. We could entertain ourselves for hours. We used to do endless loops of floating down the rapids in a tube and then walking a half mile back up the river and floating down again. Now: I still jump in a body of water any time I get the chance, but I don't spend the same amount of time in the water. Last year we did have a cousins weekend and we all went to the old swimming hole and swam and jumped off the rocks and it was almost like old times, except we are all more careful not to hurt ourselves these days (sigh, getting older is hard sometimes). On the flip side, we had better snacks!
Hanging at the beach with Broski |
Then: I had to work every summer because my parents owned their own business and summer was the busy time. Many weekends had events and this is where I could really make and save some money, which I would then use to buy my own school clothes later in the summer. Now: I still have to work every summer but now I try to take a week off for each of the summer months and go somewhere and get outside! Unfortunately, I also still have to buy my own school clothes.
What were summers like when you were younger? What things do you still do now that you did back then (or how have things changed if they have)?
7.10.2023
Looking Back: Purging Progress Report Q2
And that is the second quarter of the year, over already! As you know, earlier this year I talked about doing some purging and since we are now another quarter into this year, it's time for another accountability check! My three areas I wanted to work on for the second three months of they year were pantry, garage/camping items and bedroom/clothing.
6.26.2023
Blast From The Past
Nice sweater! I am about 10 years old. |
Passing notes in class. It is so sad that everyone just texts now because it was so fun to pass notes in class! Sometimes we would have three or four people on the note and we would pass it around in circles. Mostly we wrote about the following topics: why one person was mad at the other, which boys we liked, what the boys were doing, why we thought they were doing that, who liked who, who was going out with who, what we were going to do after school, what we were going to do that weekend or who had just broken up with who. Very riveting stuff, but very important at the time, and I guess actually not much different than what some of us still talk about now.
I am off to find my old cassette player! |
6.05.2023
Looking Back
Panoramic Trail view of Half Dome |
Top of Nevada Falls |
Sunrise on Half Dome |
Merced River |
Snowy Trail |
Four Mile trail - view of Half Dome |
Four Mile Trail - view of Yosemite Falls |
Four Mile Trail - view of El Capitan |
Mom and Dad looking at the Crags |
Crag Dome and Mt. Shasta |
Dad nearly at the top of the Crag Dome trail |
View from the top (with Mt. Shasta) |
4.03.2023
Looking Back: Purging Progress Report Q1
I love this card! (I did throw it away though) |
No more room! (Also, clearly I need to use more butter) |
3.23.2023
3/23/23: The Trifecta Of Terrible
Flight San Francisco to New York on March 11th |
Screenshot taken on March 18th 2020 |
Photo sent to my parents at the end of the week of March 16th - yes, that's a pint glass. |