Looking Back: 2017 Money Pie

To welcome in the new year, I always take a moment to look back on where I spent my money. I find it very helpful in organizing my spending for the year ahead. In addition, it sometimes gives me a wake up call, as often it is easy to spend a lot in one category without even realizing it (cough, Costco, cough). You can find prior years here: 2014, 2015, 2016.



This pie is for spending only, and does not include savings. Here they are, in order of greatest to least!

Home: This category includes mortgage, utilities, taxes and insurance, as well as other misc items, such as appliances, stuff from the hardware store, home improvement and furnishings. This year I actually spent nearly the exact same amount dollar wise as I did last year on my home category. However, I bought a lot of backyard materials this year!

 

Travel: Once again, travel ended up high on my list. This category includes flights, lodging, food and transportation when away from home, including long distance run trips and road trips. I did a 2,000 mile road trip to Wyoming as well as road trips to both Oregon and Mammoth this summer. I also went to Minneapolis for Lisa's wedding and to Bryce for the 100 miler!

 

Transportation: Last year I bought a car, so this year my transportation category was significantly lower. However, this still includes the daily commute to work (including pre-tax dollars) as well as registration, insurance, gasoline and maintenance for the car. Luckily I have my trusty bike, so much of the daily transportation is done sans vehicle. However, this also includes weekend trips for running etc.

Groceries/Dining Out: In 2017, I actually spent 17% less on food than I did in 2016. I had to double and triple check that number though, as I did not feel that it could be correct. However, after checking, I did confirm that I spent about the same amount dining out, but a lot less on groceries. The culprit? Costco! In 2016, I took 5 big Costco trips, whereas in 2017 I only took 3 and man, what a difference a Costco trip makes!!

Misc: This includes personal care, toiletries, gifts and donations, credit card fees and things like that. This year my dollar amount increased significantly! The bulk of it is gifts, but I had some registration/education fees to pay this year which really upped the dollar amount of this category a lot.

Health: This includes pre-tax deductions and any copay or charge for the gym, prescriptions, contact lenses etc. The bulk of this percentage is health insurance.

Shopping:  This category pretty much includes anything I buy on Amazon, regardless of the use. I am too lazy to sort through the purchases to see what is food related or what is not. In fact, that could be a big reason why my food spending was so much "less" in 2017, as I do buy a lot of dry goods on Amazon. In addition, much of it could probably also go towards the Entertainment or the Travel categories as well, as I did buy some camping/hiking related items as well.

Entertainment: This includes movies, baseball games, and running related (or other hobbies) expenses. This year, most of it went to race fees. I did travel for running, but I kept that in the travel category.   

The Verdict: In 2017, as planned, I did spend less dollars than last year. However, it's a bit of a cheat, as I bought a car last year. Without the car purchase, I would have spent about 9% more in 2017 than I did in 2016. I did see big increases in Health (I blame premiums), Misc (education) and Shopping (laziness of not sorting the category, aka human error). I spent a lot less on Groceries (sorting/human error/Costco) and Transportation (car purchase) and pretty much the exact same amount on Dining Out and Home.

What should I do differently? I would say that aside from spending less on shopping, I should probably get a better categorization system for Amazon purchases. Otherwise, I could travel less. NOT! Actually, most of my travel involved camping, so the bulk of the cost was flights and transportation costs.

Do you tally up your spending at the end of the year? Do you budget for next year? What was your highest spending category in 2017?

2017 Goals: Year End Review

Happy New Year!! Last January, I posted nine goals and it's time to look back to find out how I did!

1. Run a 100 mile race -- Done. Bryce 100M is in the books!

2. Run 2,400 miles / Climb 450,000 feet -- Done. 2017 Totals = 2,505 miles / 457,400 ft.

3. Conquer the hills -- Not Complete.  The goal was to PR on the following:
(1) Marincello: Goal = beat 15:41 total or 10:53/mi -- best this year = 16:36 total or 11:31/mi
(2) Bobcat: Goal = beat 21:33 total or 10:39/mi -- best this year = 23:19 total or 11:31/mi
(3) Regular 12: Goal = beat 1:45:00 total or 9:03/mi -- best this year = 1:57:51 total or 10:09/mi

4. Read 52 books (with at least 4  of them off my home shelf) --  Done. As of Dec 31st I read 95 books with a total of 33,412 pages which is an average of about 350 pages per book. Also, 6 of them were off of my own shelf and I gave away 4 of them after I finished them.

5. Bike or Run Commute once a week to work -- Done. I ended up with 303 biking miles this year, which is an average of about 5 miles per week. This jives with my goal, as one round trip commute to BART is about 3.5 miles. I have not run commute even once this year.

6. Try 12 new things -- Done. This year, I (#1) drove cross country to WY in one day, (#2) and hiked off trail  for over 100 miles in the Wind River Range. I did a solo trip to (#3) Sweden, where I (#4) hiked the 400km+ Kungsleden trail, (#5) ate reindeer sausage, (#6) rowed myself across a lake in a rowboat three times, tested out a new rain jacket, and (#7) tried Swedish beer. I also (#8) went to Bryce National Park, where I (#9) ran 100 miles and then made a quick stop in (#10) Zion on the way home. I visited friends in Brighton Beach where we went to a (#11) BYOV (bring your own vodka) Russian restaurant. I went (#12) to the drag races in Sonoma and then the finals in Pomona. There were many others as well, and I am still mostly "learning something new every day" as my parents used to tell me I should do!

A Day at the Drag Races

7. Spend less money than last year -- Done. As of the end of Q2, I spent 26% less than last year. However, after Q3, after buying a lot of new backpacking gear and doing the bulk of my yearly traveling, I sunk to only 11% less than last year. At the end of the year, I ended up spending 10% less than last year.

8. Complete my yard project -- Mostly done. My goal was to switch out the grass in the front yard for rocks and drought resistant plants. This was done. I also wanted to update the front yard sprinkler system. This was partially done In the back, my goal was to reorganize the raised beds, reorganize the drip system, set up a leveled patio area in the back corner, and put down flagstone on the patio. This was all done. However, I am not really satisfied with the setting of the flagstones, and so this will be 2018 redo. So, I will say that this was done.

9. Complete my wall art / photo project -- Done. I finally got my act together and printed out some photos for the over-the-couch wall. The problem is that I can never choose which photo to put up. However, I finally decided to just put something up and if I didn't like it, I could change it later. I also ordered some more canvas prints from a Groupon and so now I have a few more prints around the rest of the house as well.

Out of 9 goals, I really only missed one of them, so I call that a good year!

How did you do with your 2017 goals? What new things did you try this year?

Best of 2017: Books

In 2017, I read over 90 books. According to Goodreads stats, I only gave two of them five stars, 35 were given four stars and 44 were given three stars. I tend to not hand out five star review casually, although it ends up being hard to sort through the four star reviews when there were so many. Probably some of the fours should have been fives, but such is life.

An interesting stat: this year, 26 of the books I "read" were audio books. However, they tend to not get as high of ratings. I am not sure if this is because I probably do not focus as much when I am listening, or that many tend to be non-fiction, or that I just don't pick the "fun" books as audio books. Only one of the books on my list was an audio book. However, 6 of the 13 books I picked were non-fiction! Anyway, without further ado, here are my top thirteen reads from 2017 in no particular order.

You can see my lists here from 2016, 2015, 2014, 2013, 2012, and 2011.

My First Summer in the Sierra by John Muir: I gave this book five stars and I liked it so much I even wrote an entire post about it! So I won't go on about it too much. In summary, it is a fresh new look at some of the places that I know and love, and it brings a new appreciation to the outdoors as well as to life itself.

When Breath Becomes Air by Paul Kalanithi: This was the second (and last) book I gave five stars to this year. It is a true story about a neurosurgical resident who in an interesting twist of fate ends up becoming a patient himself. I liked it so much that I read it in one sitting. It is well written and you can't help but love and relate to the writer and main character, and I was rooting for him throughout the entire book.

Animal, Vegetable, Miracle by Barbara Kingsolver: Kingsolver and her family, who live in northern Virginia, decide to grow or raise their own food for one year, only supplementing when absolutely necessary and then only from local sources. I was inspired by her description of growing asparagus and raising (and slaughtering) her own turkeys. This book made we want to run out and get some baby chicks! Its a fun story and an interesting look at what it takes to be self supported, food wise.

The Alice Network by Kate Quinn: This was a late addition; I actually just finished it. It is set during both WWI where you meet the first character, who is an English spy working in France. Then it takes you to modern day, which is just after WWII, where you meet second set of characters, whose lives end up tangling with the spy from WWI. All the characters are likeable and brave and interesting and the story line is fun and informative.

To the Bright Edge of The World by Eowyn Ivey: This book is written as a series of letters and journals between an Alaskan explorer and his wife in the 1800s. I love books written in this form as you really feel like you are in the person's head and you feel like you get to know them really well.

Born a Crime by Trevor Noah: A story of a boy growing up in South Africa during apartheid who has a black mother and a white father, which was a no-no in those days. He details some of the difficulties as well as how his family got through them. He does it in a humorous way, although the story is anything but funny. I didn't realize this but he is also the host of the Daily Show, and after reading this book, I watched some of his standup, which was really funny. I like that he is a multifaceted individual, not just a funny guy.

The Year of Yes by Shonda Rimes: This was the only audio book that made the cut this year. Shonda Rimes is the writer of Grey's Anatomy as well as several other shows and I was sure this book would be another richy rich talking about their problems and how they overcame them. However, Shonda is a painfully shy introvert who hates public speaking and would rather be behind a desk writing. When she decided to say "yes" to everything, she had to step out of her comfort zone. This book is a funny rendition of the uncomfortable things she ended up having to do (for instance, give a speech where she talks about "pooping her pants.")

Here are some others that made the cut: The Curious Charms of Arthur Pepper by Phaedra Patrick, All The Ugly and Wonderful Things by Bryn Greenwood, Small Great Things by Jodi Picoult, Love Warrior by Glennon Doyle Melton, Salt to the Sea by Ruta Sepetys and The Underground Railroad by Colson Whitehead.

What was your favorite book that you read in 2017? I am always looking for suggestions for my to-read list!

Looking Back: November

November to me means the beginning of many things: the rainy season, the holidays, the  end of the year. It is always strange when it hits you that this year is almost over! Then you start to reflect on what has happened over the last year and it all seems to be a bit surreal at times! Here are the stats.

Running: In November I ran 172.7 miles and climbed 34,108 feet. Most of my mileage was due to a couple of longer runs on the weekends as well as one race, the Quad Dipsea (QD), which has become sort of an annual tradition. The QD is a two time out and back which has about 2,500 feet of climbing for each out and each back, for a total of almost 10,000 feet. This is always held the weekend after Thanksgiving and is an excellent way to burn off those turkey calories. I also biked 41.8 miles, which brings the yearly total to 268.8 which is an average of about 5.6 miles or one round trip commute per week.

Reading: I did not read as many books in November, most likely for a few reasons. One, my audio-book reading time goes down when I am not in the car or running alone and I did not really do much of either. For real books, I have been getting regular old hard backs from the library, which by the way never have as long of a hold period as the eBooks. However, other things in life are taking up precious reading time, so I have not been doing as much reading of the real books either. Here is the list in order of preference (audio-books in italics). I ended up reading 5 books.

The Last Days of Night****
Refugee****
Behold the Dreamers***
Let's Explore Diabetes with Owls***
The Impossible Fortress***

Travel: This month I did not stray too far from home, mostly because it was the holidays and I hosted so I stayed around for that, and then I had the Quad Dipsea one weekend so I stayed around for that. Otherwise, I did a quick weekend trip to Pomona to go to the NHRA drag race finals, which were a lot of fun even though my guy did not end up winning. Also, I did go to Marin county for runs with friends and to do the annual volunteering gig with my brother, where we sweep the course of the North Face 50 mile race. After doing it for four years in a row, we finally earned a new radio handle this year. We will heretofore be known as: Menudo!

Me and the broski, North Face 50 mile sweeps

 

Sunset over the Farallon Islands, Marin Headlands -- NF50 sweep

Sun setting on the Pomona Raceway. NHRA Finals.

Etc.: The garden is dead. I was thinking of planting some winter things, but am not sure I will get to it in time (or maybe I am already to late). So now it's just raking time, although I did buy a fun toy, a leaf blower, so I will probably have some fun with that in the coming days! Although I have never really used one before... Wish me luck!

San Francisco at dusk from the Vallejo steps.

What happened to you in November? How was your Thanksgiving?

Looking Back: October

October was the month of tying up some loose ends. I got my hair cut, got my oil changed and went to the doctor. I met friends I had not seen in months for a drink. I only slept in my own bed one Saturday in October, and I did not get to bed that Saturday until midnight. It was a productive month, but sometimes when you are in the midst of it, it just feels hectic. 

Running: I ran 196 miles in October and climbed 36,400 feet. Hopefully this will help prepare me for the race I have on Thanksgiving weekend! I also biked about 50 miles, which brings my grand total to 227 out of my goal of 180. Even though I have surpassed my goal, I plan to continue to bike until it starts to rain a lot, which will probably be in December. I also did one yoga session, which is a lot lower than my goal of one per week. 

Maybe due to the heat, the sunsets have been fabulous. See San Francisco in the distance.

A short trip to my parents neck of the woods.

Reading: In October, I spent most of the month getting through two books, which took me a long time. They were both good, but they were just not quick reads for me. Otherwise, I did listen to a lot of audio books (in italics). The total number of books I read in October was seven, three of which were audio books. Here they are, starting with my favorite.

Strangers in Their Own Land****
Salt to the Sea****
Norse Mythology****
Little House on the Prairie**** (re-read)
Eligible***
Truth and Beauty***
The Magician's Assistant**

Travel: The first day of the month found me in South Lake Tahoe, getting in just a little more high altitude fun before the snow sets in again. This year I only went to the Sierras once in July and there was still so much snow it was hard to go on the trails. I had to return once more while the snow was sparse! However, I have a feeling this winter is also going to be a snowy one!

Midtown Manhattan

San Francisco, filled with smoke.

I also went up to my parents house, unfortunately for a memorial for my friend's father. In addition, another friend of mine from high school just passed away, so it was also a chance to pay our respects to her while I was there. It wasn't the most pleasant reason, but it was good to see some of my high school friends. Lastly, I had a work trip to New York, which I tacked an extra weekend onto so that I could visit with some friends there. It was great to be in the city in the fall; however, it was so warm that the colors had not really shown up yet, which I was really looking forward to!

Tahoe area, view from Mt. Tallac, - approximately 9,800 ft.

Etc: Other than the above, I finally ripped out most of my garden and am contemplating planting some winter items. Holiday planning has started, and the weather has been, in typical Bay Area fashion, in the high 80s most days. Go figure. I went wine tasting at the end of the month and am happy to say that the Napa area seems generally better than I had expected.

October is the month for canning!

What fun things did you do in October? Has Autumn struck yet in your neck of the woods? What is your favorite thing about Autumn?

Looking Back: September

For the first couple of weeks in September I was traveling, and then the remaining weekends were spent doing weekend trips, so I was barely home all month! Here are how the totals added up:

Running: A lot of my running miles this month were due to the fact that I hiked the Kungsleden, a long distance trail in Sweden, and I am counting those miles! I ended up running 336 miles, 225 of which were due to the Kungsleden. In addition, I completed 36.4 miles on the bike, bringing my total to 177 miles out of my goal of 180 miles. I am slacking a bit on the Yoga front, and only did one session, out of my goal of 4 times per month.

Teusajaure Lake, along the Kungsleden, Sweden

Reading: Once again, I did not read as much as I thought I would, as I was on vacation for the better part of the month. However, as it was in August, I did a lot of hiking and by the end of the day on these days, I was pretty tired and reading was not really a priority. However, I ended up reading eight books and most of them were pretty good! Here they are, in order of preference (audio books are in italics).

Born a Crime****
The Curious Charms of Arthur Pepper****
The Kitchen House****
A Man Called Ove****
The Nix****
Another Brooklyn***
Do Not Say We Have Nothing***
The Association of Small Bombs**

Travel: As stated above, for my yearly vacation this year I went to above the Arctic Circle in Sweden, where I hiked the Kungsleden trail. In addition, I spent a couple of days in Stockholm, running and exploring and hanging out. It was kind of funny to be in the land of people who look just like me, as most of my travels have been to places where I tend to stick out like a sore thumb!  I also went to Santa Cruz for a day at the beach with the folks, Napa for some wine tasting with friends, and to Tahoe for a weekend in the mountains! This was definitely a "last hurrah of summer" month and as you can see, I am trying to make the most of the good weather while it lasts!

Lake Aloha, South Lake Tahoe, CA

Lake Merritt, Oakland, CA

Hagaparken Lake, Stockholm, Sweden

Etc.: The garden went a bit wild while I was on vacation and the zuchinnis are so hard they will probably last in my compost for several years. In addition, I have about 4 zillion tomatoes, but have not been home long enough to can them yet! That is definitely something I need to get a move on with, as I definitely do not want them to go to waste! I also had a few figs (eaten!) and many cucumbers and CORN! Hurray for corn. It was so sweet and good and fresh!

Get in my belly!

What did you do this September? What is your favorite vacation activity? Do you have any good recent book recommendations?

Currently: The Sweden Version

Happy Monday everyone! I just flew back from Sweden yesterday evening and it's some time in the middle of the night PDT, or lunch time in Europe, and I can't sleep, so I thought I would do a quick "currently" for my trip!

Reading:  The Association of Small Bombs, which I am about halfway through, but am not loving. It's okay, but not showstopping. On my vacation, I also read four other books which were all pretty good, but I will recap those in my September looking back!

Loving: The fall colors in Sweden! We don't get "seasons" very much in the Bay Area and being in Sweden reminded me of Autumns back home! 

Thinking: about my next vacation... just kidding! I'm thinking about how fast this last one went and how it will be to be back at work today (there are going to be so many emails to go through)! 

Frustrated: that I did not complete my entire hiking goal. However, the weather was poor and I was camping in a tent and I know I made the right decision. I just hate "giving up" without reaching my goals.

Feeling:  Hungry! When you are carrying all of your food on your back, you can only carry so much, which for me was about 3,000 calories per day. When you are hiking 10 - 12 hours per day, you just cannot keep up, calorie-wise. Ever since I left the trail, I have been carb-loading!!! Okay, really I've been overall calorie loading.

Anticipating: Going over all of my photos and reminiscing all the good parts of the trip! I did a cursory review and it's funny how I already forgot some of the early days. It's nice to recall them again and again!  

Watching: I did not really watch any TV while on vacation, but I did watch a few movies on the plane: Ms. Stone, When Harry Met Sally and Moneyball to name a few.

Working: will be interesting today. Usually September is not crazy busy, but I will have a lot of catching up to do after being gone for two weeks!

Grateful: that I get as much time off of work as I do. Technically I get about 20 days off (4 weeks) and I am required to take ten of the days consecutively, which I don't have much of an issue with! I know some people do not get very much PTO and I feel very glad that I do!

Listening: To audio books: A Man Called Ove, and next up Kitchen House. I did not really use my phone on the trail as I did not want to run down the battery in case I needed it for an emergency, so I didn't really listen to much!  

Reindeer!

Wishing: the floors would clean themselves. How is it that I clean everything before leaving on vacation but when I come home, there is still dirt everywhere? I blame the house elves.

What did you do this weekend? What are you currently wishing for? What are you anticipating? 

Looking Back: August

August was a good month! As usual, it was filled with lots of outdoor activities, family and friends! I love summer!

Running: In August I clocked 197 miles. About 122 of those were in the Wind River Range, and another 31.5 of them were from the Tamalpa Headlands 50k. Other than that, I actually had a couple of "easy" weeks! I actually biked about 41.6 miles though, which brings me to a total of about 141 miles, which is 78% of my 180 mile goal for this year! This month I kind of fell short on the yoga front, and I only did 2 sessions.

Reading: I thought I would read a lot on the hiking trip, but usually we were so tired that we went right to bed (sometimes as early as 7 pm). So, that plus the driving took out about 10 days of reading. However, thanks to audio books, I did "read" 5 books in August (sorted by preference / audio books in italics).

Her Every Fear ****
Think Like a Freak ****
Dreamland Burning ****
The Light of Paris ***
The Body of Death ***

Travel: I was not really home for even one weekend in August! The first two were spent in Wyoming; the third near San Jose and the last in Marin County at my grandma's 85th birthday! It was a busy month of events and travel.

Haystack Mountain, Wind River Range, WY

Wind River: Looking northeast from Chimney Rock @ 12,000 ft

The Eclipse. I didn't look at it, I swear!

SF Giants game with Dad

SF Giants game with Dad

Etc.: The garden is in full swing. I have tomatoes coming out of my ears! Speaking of ears, the corn has ears now too! I am not sure when they will be ready to pick, but it's so exciting to have a new vegetable in the backyard. Also ripening are the figs, cucumbers and zucchini. Still pending potatoes (maybe) and hot peppers. Interestingly, this year I had a lot of volunteer squash and tomatoes (aka, they replanted themselves from seeds from last year) and they are actually bearing fruits! I have canned regular tomatoes and tomato salsa and will probably do another batch of canning next month, likely tomato sauce and/or more plain tomatoes.

I think this qualifies as a plethora.

Snack Time! 

How was your August? What is your favorite in-season fruit or vegetable?

2017 Goals: (Better Late Than Never) Mid-Year Check In

In January, I posted nine goals and it's time to do a mid-year check in to find out where that I need to focus on getting my bootie in gear!

1. Run a 100 mile race -- Done June 2017. Bryce 100M is in the books!

2. Run 2,400 miles / Climb 450,000 feet -- In progress / on track. Stats mid-July = 1,300 miles (54%) / 244,000 ft. (58%)

3. Conquer the hills -- Needs work! (A lot of work)!  The goal was to PR on the following:
(1) Marincello: Goal = beat 15:41 total or 10:53/mi -- best so far = 16:36 total or 11:31/mi
(2) Bobcat: Goal = beat 21:33 total or 10:39/mi -- best so far = 23:19 total or 11:31/mi
(3) Regular 12: Goal = beat 1:45:00 total or 9:03/mi -- best so far = 1:57:51 total or 10:09/mi

4. Read 52 books (with at least 4  of them off my home shelf) --  Done June 2017. Stats mid-June = 57 books. Also, as of mid-June, 6 of them have been off of my own shelf and I have given away 4 of them after I have finished them.

5. Bike or Run Commute once a week to work -- In progress / probably on track. The rain finally stopped, but then I got a flat tire and then I got lazy. I need a total of 180 biking miles (1 round trip per week = approx 3.5 miles). Stats mid-July = 35.4 miles (19% done). I have not run commute even once this year.

6. Try 12 new things -- In progress / probably on track. This can be a new place, a new food, a new activity, or...whatever! I have definitely added a few to my list but need to keep finding new things to try!

7. Spend less money than last year -- In progress / on track. As of the end of Q2, I have spent 26% less than last year. However, I did buy a car last year in March, so it's not surprising that the first two quarters this year are lower. It will be interesting to see how this shakes out after Q3, as I bought a lot of new backpacking gear this quarter.

8. Complete my yard project -- In progress / probably on track. In the front, I have done about 90% of the project. I still need to finalize the drip system and add rocks to one grassy area, but I am waiting for it to dry up first.

9. Complete my wall art / photo project -- In progress / probably on track. I did finally put up some photos! However, this is only about 75% done. I have to pick out a few larger photos to print and then hang them, which is something I tend to put off!

So I am done with two, on track with two, probably on track with four and need serious work on one!

How are your 2017 goals coming along? Have you spent more or less money than last year?