Side Hustles, Bonuses, and Credit Card Hacking

I know I have talked about this before, but last week Birchie did a round up of her bank bonus and credit card hacking side gigs, and it sparked a fire in me. If you know me, you will know that I already had all of this info handy; I just had to put it in a cohesive post. So let's get started. If this stuff makes your eyes glaze over, skip to the end, where I give you two suggestions for beginners and/or the non-financial people of the group! 

I started my credit card hacking journey in 2005. I signed up for the Chase United Visa and the Chase Marriott Visa and I got roughly 60,000 points for each of them as bonuses. Both cards had roughly a $100 fee. After that, I used only those two cards for the years I was traveling for work and through this, I sent my parents to Scotland on first class, sent myself to the Philippines, and supplemented my hotels for my 2008 South America and my 2010 Round The World trips. Bottom line is that from 2005 to 2023, these cards probably got me thousands if not tens of thousands of dollars worth of "free" flights and hotels. Of course, the best part about this, is that much of the money I put on those cards was for work expenses, so, thank you unnamed company that I used to work for! I think they have since gone to corporate cards, but at the time I was there, you could put everything on your own credit card. This also got me Premier status on United for years (no longer though!) and lifetime Titanium Elite with Marriott. 

I also just finally used up the rest of my United points on our flights to Germany, so now I have basically none left. Because of this, and the $95 fee, I downgraded my United card to a zero fee card, mostly so I could keep the twenty year relationship stat, as that does help when you are applying to new credit cards (they look for your longest relationship). 

I am not telling you all this to brag; my point is that sometimes credit card hacking is an excellent way to get "free" money. The best way is to get the sign up bonus and use that for free travel. Like Birchie said, if you don't travel, this may not be that exciting, and you should also make sure that you can pay off the credit card(s) every month or it is not worth the interest you have to pay on it. 

But let's get to the fun stuff. Over the last 14 months, I have received some bonuses, not just from credit card hacking, but also from moving money into a brokerage account. This worked out great for me, as I had to move my accounts after I quit my job, so at that point I searched to find out which firms had the best bonus, and I moved my funds to them. I actually ended up going with more than one, as that was the best bang for my buck. Is this a little hard to keep track of? Not for me, especially with the apps that we have now, where you can just pop in and look at them whenever you want. Also, before this year, I opened two different high yield savings account for the same reason, but I will not get into that in this post. 

What odd "side hustles" did I have last year? 

#1. Selling crap stuff on the internet! Like I mentioned in this post, I sold a lot of stuff on the internet in 2024 and did make some money but I am not sure that the time involved is really worth it! I would estimate that I got about $3,500 but the hours involved were plentiful and this is of course on things that I probably spent five times that much on. That is a complete ballpark, and maybe if you depreciated everything it would not be that much, but my point is that obviously something is better than nothing, but I did not "make money" from this gig! Net income = negative! I also sold my car, which I paid about $10,000 for in 2016, for $4,000 after using it for 8 years. So, it cost me about $750 per year to "rent" it (or $2.08 per day, not under the $1 per use rule!). 

Selling camera gear. Sob. 

#2. Brokerage Bonuses. I will not get into actual dollars here, but currently Merrill Lynch, Charles Schwab, JP Morgan and E-Trade all have bonuses if you transfer a certain amount of money to them and keep it there for a certain amount of time. You can usually find updated information on this at the Bankrate website. Like Birchie said, you can also find bonuses for checking accounts, but I did not go down that road. 

#3. Credit Card Hacking. Although the cost of the cards I opened is around $700/year, the bonuses that I got ended up netting me about 500,000 points, which if you value them at $0.01 per point just to make it easy (it can range from $0.005 to $0.025, but generally if you get "cash back" for them, it is at around $0.01), would be about $5,000 worth of points. Now, obviously if I let them sit and do nothing, at some point in the future, my cost per year will catch up to my bonus amount. However, I do not plan on doing that! 

In the last year, aside from the United flight, I have also booked three hotels using points and the value for the rooms was around $1,000 in total. I also booked my flight from Canada back home using a credit and so that flight also saved me about $250. So basically, I have already utilized enough points to make the $700/year fees worth it for this year. 

However, let's get to the dark side. As Birchie mentioned, the talking heads on YouTube often talk about "all the perks" and how "you basically are getting this card for free," etc. Also the credit cards themselves will say the same thing. However, you really do need to look at the fine print and see if they do actually make sense for you, based on where the best point value is, and whether or not you will use the credits etc. 

Dark Side #1. The portal. Sometimes the card will give you more points if you use the portal to book something, or they say that you get it cheaper, or you may be able to use your points to book in the portal, but this is not always a better deal. Sometimes the deal is much better on Booking or on the hotel website for example. Also, you can use points to pay off your credit card at $0.01 per point, which is not maxing out the value. You could possibly transfer points to a hotel or air partner and get a value of $0.015 - $0.025 cents of value per point instead. 

Dark Side #2. The "credits." Many times the card will give you credits for dining or travel but there are usually caveats. For example, the AMEX Gold says that they will give you $100 in Resy, $120 in UberEats, $120 in GrubHub and $87 in Dunkin Donuts credits each year. If you add that up, you would get $427 in credits for a card that cost $325. Nothing wrong with that, right? Well, they issue the credits only if you use the service and usually only on a monthly basis. For example, UberEats is a $10 monthly credit, only credited if you spend more than $10 in that particular month at UberEats. The Resy credits are only once per half year. So you can't just go and spend $120 at UberEats in one go and get credited. For me, the credits are worth maybe $100 if that, as I don't really use these platforms. 

Dark Side #3. Other perks. Many of these cards come with additional perks. It may be TSA Pre, travel insurance, car insurance, extended warranties on purchases or even free returns on some products. They also may have lounge access or food credits in airports. Some of these items are worth it to me and some are questionable. For example, lounge access. I have a card with this and last year I barely flew, so did not really get to use it. However I did fly, once from Canada to Portland and back, once from Halifax to Vancouver, and once from San Francisco to Frankfurt. In all of these cases, the terminal I was in did not have a lounge. So basically for now, I am 0 for 3 as far as getting any value out of my "free lounge access." However, I did rent a car for two days, and the insurance would have cost me about $60, but it was covered by my card. So that one is worth it to me. <---- by the way, remind me to tell you about the time I got scammed by the rental car company and my AMEX saved me! 

The verdict? I guess I will give the classic answer on this, and the verdict is that doing any of these things depends on your situation, so some of them may be worth it and some, not so much. If you have all the time in the world, putting something on FBMP and letting it sit until someone wants it may makes sense. If you are trying to offload a lot of stuff in a short time, it may be better to put it on the curb. Brokerage bonuses do require possible account or cash transfers, and more paperwork at the end of the year. Credit cards can offer good perks if you use them right! I guess the bottom line is that I will probably quit my selling stuff online side job and stick to the credit card hacking. 

I also plan to do a review of my cards at the end of this year and see which ones were actually worth it and which were not, and will then cancel one or two of them depending on what I find out. 

Where can you find out more? You can see what cards I currently have on my Tips and Hacks page. Other resources: The Points Guy, NerdWallet, or Bankrate. Happy hacking! 

If you want two suggestions here they are: If you rent your house, you can pay with the Bilt credit card, which has no fee, no bonus, but gives you 1 point per dollar spent on rent and 2-4x points on other things. To put this in context, if you pay $2,000 a month, you will get at least 24,000 points, which can be transferred to American for basically a round trip flight, or to Hyatt for about 2 nights in a hotel. I don't have this card, but here is an article on Nerdwallet about it. 

The second one is the Chase Sapphire Preferred, which does cost $95, but if you spend $4,000 in the first three months, it has a bonus of 60,000 as of this writing, which is valued at about $750 (put in context, a US RT flight can be found for about 25,000 points, so you would get about two of these), and it also gives 3x points on dining and 2x points on travel. You get free DoorDash too, which is worth nothing to me, but may be worth something to you! I don't have this card, but I have other cards that use the Chase Travel Portal and am happy with them so far. 

What is your favorite life hack? Do you have any side hustles? Do you know if any of your credit card have any perks? 

2024: A Year in Twelve Chapters

We don't exist in a vacuum, and other people's great ideas can be our best fodder sometimes. A year ago, Elisabeth started asking us what our monthly chapter names would be, and she kept it up for twelve months. Then Stephany did a post celebrating her chapters, and I love the idea, so I am totally copying it! Thanks ladies! 

PS Happy MLK day to the US folks reading this!

Chapter One – January: Everything Must Go!

As most of you know, in 2024 I decided to quit my job and pursue a life of full time travel. After giving it some thought and looking into renting out my house long term or on Airbnb, I ultimately decided that selling was the best option for me. I had lived in my house for nearly 10 years and it was time to go. Also, I felt that I could invest the proceeds and make more than I would getting a monthly income from renting AND I would have to do less work. 

After deciding that, I also decided that instead of putting things in storage and paying hundreds of dollars a month for an undefined amount of time, the best thing financially and emotionally would be to get rid of everything. Of course, this comes with its own emotional toll, but in the end, I am glad I decided what I did, as I feel like a lot of things I owned were owning me (name that movie!) and I really did not need (OR USE!) them (I am looking at you Nordstrom shoe closet). It was very freeing. 

I also took advantage of still living in the Bay Area and went on a run to the Golden Gate bridge, a walk with a friend around San Francisco and a trip to Big Sur with the girls. 

Selling crap, SF walks & runs, Monterey

Chapter Two – February: The Life Changing Event

Although I had been planning on quitting my job for a bit, I did not actually announce it until the last week of February, where I gave three weeks notice. I contemplated giving more, but in the end, I am glad that I didn't, as the last few days of work were a little slow, and I can't imagine what I would have done if I had to sit there for yet another week. Also, I did not announce anything to the Blogosphere for fear of being jinxed. 

I also spent more time walking around San Francisco, had my weekly time with the girls taking them back and forth to soccer, cooking dinner and playing with the Jelly-monster (the dog). I tried to squeeze in as much family time as possible, and went to Santa Barbara with the family for the long weekend and had a good mid-week ski with Dad. 

More walks around SF, Santa Barbara with the folks,
skiing with Dad & trying to drink all the sparkling wine in my fridge!

Chapter Three – March: A New Beginning

March was a dichotomy. The first thing I did was to finally tell you all about my plans! The first half consisted of wrapping things up at work, going away lunches and hikes and runs coupled with the frenetic pace of trying to sell or get rid of the last few things and trying to eat everything in my fridge, which culminated in some odd and not-so-healthy meals. I barely read any books because my mind was whirling with all of the things I needed to do and all of the things I wanted to do and all of the things I could do. It was a whirwind of stuff. 

Got the rack on the bike, emptied the house, took a run to the dump
and took one last hike in the redwoods

Then March 15th came, I had my last day at work, and my last trip to Goodwill and then my Dad came to get me and the two bikes and a few boxes and take them to their new home, my parent's basement. Yes, I am my meagre amount of stuff is basically "living" in my parent's basement. Just give me a gaming console and I will be good to go. Seriously though, a few books and a lot of backpacking and sports gear is apparently all that I need in life. I spent a week with the folks and had a great time wandering around, getting ready and playing games and then I was off! But only a week later, I was picked up by the girls and we headed to Oregon for some R&R. 

Sold the car, packed the bike, got on the road. 
Learned how to use my gear, hiked with the girls in OR.

Chapter Four – April: An Unquenched Hunger

After getting dropped back off in California by the girls, I started riding again, this time in earnest. Of course, the snow held me back a little at first and I had to figure out new routes a couple of times, and it was very cold. However, I made it through Califoria, Oregon and Washington and I even crossed the 1,000 mile mark and made it to Vancouver Island and the Sunshine Coast. I did take a break in Porland with a friend, but otherwise, I had a few times where I had ridden over two weeks in a row without breaks, and the result of this was a hunger that I could not quench! I ate and ate and ate, and even tried eating an entire half gallon of ice cream several times but I still was hungry! I found some new snacks, although sadly the TJ's mochi bites are seasonal and only can be found in April/May. If you are near a TJs during that time, you must try them! 

Riding in the snow, snacks, OR, CA, WA and Canada!

Chapter Five – May: The Next Province

I was in BC for a total of 32 days and I love it. It reminds me of home, of green trees and mountains and fresh pine air. It has oceans and bays and islands; it is just so peaceful and I could totally see myself living there. In May, my Dad came up to Vancouver to meet me, and I closed on my house, and set off through the moutains of BC. The great part is that finally I was out in the moutains again, although still there was snow in the high reaches and some passes could not be conquered. Note to self, start further south next time? However, at the end of May, I finally crossed over into my 2nd Canadian province, Alberta, and it was wonderful. Once again, I tried to go over the mountains, and once again, I was turned away by snow. But that did not stop me from having fun, riding on roads that were still closed to cars, and waving at no less than half a dozen bears as we passed each other! 

Peter Lougheed PP, Banff NP, Bear Spray, Ice Cream

Chapter Six – June: From Freezing Snow to Burning Sunshine in Three Days

I rode the Icefields Parkway, and spent some time in Banff before the girls came to meet up with me in Canmore and we had a great time hiking, eating and hanging out. Then it was off to the races, and I started riding the Tour Divide, heading towards Mexico. I went through the provinces of Alberta and BC and the states of Montana, Idaho and into the state of Wyoming by the end of this month. 

I also ate a shitton of food, got massacred by mosquitoes in Wyoming, had my tent break in a thunderstorm and windstorm in Montana, and had a recurring flat tire issue. I sent my Mom a postcard from the Tetons, and even got to camp in the National Park, despite it being very close to a holiday weekend. It was also at this point when I was having breakfast with a racer who was going the opposite way, that I realized that the fun was just beginning, as he told me that NM was the hardest state. I had thought it was going to be the northern ones, or maybe CO, but nope! Yay. I also made some cycling friends! 

Icefields Parkway, Banff, Peter Lougheed PP, Idaho/MT line, grizzly

People I met on the road

Chapter Seven – July: The Path Less Taken

It was hot, I was tired. Haha! Actually at the very beginning of the month, I crossed the Great Basin of WY, which was a 100 mile stretch with no water, cars, or people. It was very dry and windy and dusty and it was quite the adventure. Afterward, I could barely talk, and had to eat a pint of ice cream and drink a Snapple to recover. Then I crossed into Colorado, and even went through Steamboat Springs on Independence Day weekend. I would not recommend it. After that, I got to climb Boreas Pass, which is over 11,000 feet, which was actually not too bad, and then I had to knock on the door of a firehouse and ask them if I could stay the night! It was an adventure. For the fourth of July, I was with a buddy, and we crashed a small town party and they gave us cold watermelon and ice cream! Thanks Savery, WY! After CO, there was hell NM, and then the Tour Divide was over. Yay. 

Hot, rainy, cloudy..but beautiful.

The second half of the month was a flurry of riding and visiting. I got to meet up with a few lovely ladies and even used Lisa's house as a home base to get some errands done before setting off again. Oh, did I mention that July was hot? No? Well it was over 100 and with one million percent humidity as I rode through Wisconsin, and I think I lost about 800 pounds of water weight. It also rained a lot, which is not my favorite combination. The Midwest: Love the People, Hate the Weather. 

Birchie was in September, but I am too lazy to edit this collage.

Chapter Eight – August: The Great Expanse

I left Lisa's house and I headed towards the Great Lakes. I had only ever been to Lake Michigan before and had actually never been there in the summer time, so had not touched it. In July, I did touch it, and in August, I touched Lake Superior, Lake Huron and Lake Erie. Now I was four down, one to go! 

Lakes Huron & Superior, a mouse,
the forest of Michigan and the town of Kincardine

Chapter Nine – September: Taking A Step Back

After popping over to Buffalo to meet up with Birchie and try to figure out who has the best Buffalo wings (or ice cream), I rode to Toronto and spent some time with some friends, put my toes in my last lake (Ontario) and then headed to Portland for a week of petsitting and time visiting friends. It was a nice rest, and it was not boiling hot and humid, so it was nice to be back on the west coast again, let me tell you! I went back to Ontario from Oregon and set off again towards the east, or namely, Montreal, where I would spend two weeks petsitting before heading to Nova Scotia. 

Toronto, Lake Ontario, Portland & Buffalo

Chapter Ten – October: Unwinding

I had a great time petsitting in Montreal, getting in my 10 minutes of walking every day and getting some more downtime. By this time, I was getting a little decision fatigue from riding and I was kind of ready to have a break from that. My time in Montreal was the perfect opporunity to get into a bit of a routine, take a few runs, explore a new place, and spend time with a couple of buddies (furry ones). Then it was off again, through Quebec, for a visit to QC before heading to Nova Scotia on the train. Once I arrived, I took a few days to cycle around before meeting up with Elisabeth and hanging out with her and her family for a few days. Too soon, it was time to go, and I hopped on a plane for Bob's first plane ride. He was quite nervous, but I was totally calm. Luckily I had Elisabeth and her neighbor there, as her taking me to the airport was priceless and the neighbor had the perfect tools to take apart my bike (I actually ended up having the right ones too, but it was still nice to have his support!)

Then I was in Vancouver, on the last long ride of the month, to Burlington Washington! Halloween was in full force and it was nice to wander around the PNW again in the fall. 

Ice cream, Bellingham, Quebec City, Montreal
Last camping of the fall, Burlington WA Halloween

Chapter Eleven – November: Tides, Tasks and Trails in the Emerald City

After Burlington, I went to Seattle and spent the majority of the month of November there. I got to stay in two different neighborhoods, and I liked both of them (NE and SW). I also met up with my cousin a few times for lunch and for a Seahawks game, and he took me on a tour of his Navy ship. I walked the dog a lot, and spent a lot of time exploring. I even took at 10 mile run, my longest run for the year! 

Frankie, the Navy ship, Seattle, Fremont Brewery
Seahawks game, US Customs

Chapter Twelve – December: West Coast Whirlwind

I ate, I visited, I scanned photos, I took hikes! I left Seattle and took the Amtrak to Oakland, where I met up with G-money for lunch. Then I stayed with K for a few days, spent some time hiking and eating with friends, and then headed to my parent's house for Christmas. That time went very fast, but we had a great time playing games, taking hikes (my brother even walked in the rain with me, and our hike went longer than planned; oops!) and cooking and eating! We went to a Christmas market, and I got to see several family memebers and friends before getting everything packed up again (but first, unpacked!) and getting back in the car and heading to the airport! Then it was NYE in Germany and the year was over. PS the Germans all set off fireworks and it is loud, but in typical German fashion, there must be a curfew, as the noise basically stopped abruptly around 1 am! It was great. 

Seattle, home, Germany

And...that is a wrap! Just like I thought when I read everyone else's wraps, when you lay it all out, it does seem like a lot of stuff, even though sometimes when you are in it, you don't realize all that is going on. 

Did you participate in the Chapter a Month this year? If not, what would a few of your monhtly chapter names be, or what would your 2024 book be titled? 

Where's Waldo?

I still have some more wrap up and list type posts, but I am sure you are all getting bored of those! So today, I will talk a little about where I am and what's happening, since I feel like I have been pretty lax in doing that over the last couple of months.

First of all, can you find me in this photo? I will try to make it big enough that you can try! 

Mur de Canuts (photo credit: Bugsy)

In case you are wondering, this is the Mur de Canuts in Lyon, which is a mural depicting the silk workers. The history of this is facinating, and it began in 1466, when King Louis XI set up a national silk working industry in Lyon, consisting mostly of Italian workers, who were known for their silk making skills. However, it gets even better, as in 1834 the workers revolted against their employers, starting one of the first general strikes in an industry anywhere in the world. There was a whole life around this industry for years, and you can still see the remnants of this today, both physically and politically. 

But I won't bore you with too much history! Let me give you a quick update on where else I have been besides Lyon!

Coming Home. In December, I went home from Seattle and spent some days seeing friends before heading up to my parent's house for Christmas. Despite me thinking that a week would be plenty of time to be with the family, I felt like it went fast, probably because in between playing games and visiting, I worked on packing, getting some photos scanned, and seeing a friend whose Dad is quite ill. 

Ornament made by my Mom

Beginning to Travel Again. On Christmas day, my brother and I drove back to the Bay Area, where I stayed with my friend K for the night. On Boxing Day, we flew out of SFO to Frankfurt Germany! We ended up getting a place in Wiesbaden, which was perfect, as we could easily get into Frankfurt, Mainz or other outlying towns from there. We visited Heidelberg, Koblenz, Wurzburg and Rothenburg and had a lovely time wandering and eating and showing the kids how taking the train is fun! 

Rothenburg ob der Tauber

We saw tons of castles, took a train on the Rhine river, and had a great time. The only downside was that it was freezing, literally! The weather was in the 20s while we were there, and it even snowed a little. That did not stop us, it just meant more hot chocolate was needed! I also kicked off my running season on January 1st with an early morning run with L, my friend's 10 year old daughter. She and I were up early every day and usually we would hang out in the warm kitchen, but she was game to take a run on one of the freezing days, so we went and it was great! 

My early morning running buddy

Marzipan piggy

Flying Solo. After the girls left, I headed to Strasbourg, France, where I had a great time buying pastries and wandering around. If you have not been here, I highly recommend it! However, once again, it was in the teens and twenties and snowed, so maybe if you go, go in April, May or October! I continued my running game, and am trying to go a few times a week, and I did that, even in the rain! It is nice to be in a place where I can go back and get warm, which was not always the case when cycling. However, I kind of am jealous of the folks with bikes, as there are tons of canals and bike lanes to enjoy! I may need to get a bike at some point. 

Petit France, Strasbourg

After Strasbourg I went to Dijon. It is a nice little town that I would also recommend. I started to get in a groove, found a good bakery where I could get my daily baguette, and found a nice running path on the Burgundy canals, where I even did my longest run in a LONG TIME, 11 miles! I love being able to pair running with exploring a new place; it really makes the miles go by so much faster. 

Dijon + Notre Dame Church

Lunch Buddies. After Dijon, I went to Lyon. I had a couple of friends meet up with me in Lyon and what did we do? EAT! Lyon is known as the gastronomic capital of France and it currently has five two Michelin starred and twelve one Michelin starred restaurants! The ones we went to were called Bouchons, which are the typcial working class restaurants of the silk workers, and the food was very good! We also did a walking tour, looked at lots of old building, ruins and churches, climbed lots of stairs, found plenty of pastry shops and had a great time wandering around Les Halles (the food market). 

Oeuf mayonaise

So many treats!

Praline tart

Now my friends are gone again, and I am on my own. I have been enjoying trying out the local bike share, getting my bearings a little, wandering around the Croix Rousse neighborhood and checking out the views from the top of the hill (my apartment is near the river). 

Basilica de Notre Dame du Fourvière 

Roman Theater

Plans include lots more wandering and a Saturday market (or three). I am also trying to get at least 10,000 steps (about 5 miles) a day, stretching for 10 minutes a la Nicole, doing daily pushups and getting back into my running routine! I am also doing at least 10 minutes a day of language lessons and I may also go to a weekly French conversation meet up if I can get my act together! It is still cold, in the 20s and 30s, but at least it's not raining! 

À bientôt! Bonne journée!

Have you been to Wiesbaden, Strasboug, Dijon or Lyon? Have you ever been to a Michelin starred restaurant? Do you like marzipan? What daily routines are you doing this year? 

Looking Back: 2024 Money Pie

If you are a long time reader, you know that every year I reveal my spending for the year in the form of my favorite kind of pie, a money pie. Okay, not really; I actually prefer apple with a side of vanilla ice cream, but as I have mentioned in my Money Monday posts, I do think the number one step to financial freedom is tracking your expenses so that you know (a) where your money is going and (b) how much you would need when you retire or (c) what you would need in an emergency if you lost your job or something like that. Knowledge is power. 

Luckily now there are many different ways to do this, the easiest probably would be by putting everything on one credit card and then just looking at their breakdown at the end of each month, quarter or year. However, I love Excel and pivot tables and so I continue to do my recap by using Fidelity Full View to aggregate my spending, downloading that to Excel and then playing around with it in Excel a bit. You could just use Fidelity alone, but I like having some extra info, like what country I was in and whether my meals were breakfast or lunch. That is just me though and most people don't need this level of detail. 

2024 was a strange year for me though, as I was only in a permanent place for the first three months of the year, and then I sold my house, which cost me an arm and a leg, and also made this the year that I spent the most in one year that I have ever spent before. This was despite the fact that once I started traveling, my average spend per month was about $2,600 a month. So this year's recap will be a little different; first I will show you the pie with the home costs included. Ridiculous, right? 

Also, here is a chart showing month by month. As you can see, I sold my house in May, and also had to pay for an (expensive) plumbing job in Octotober. 

Next, I will talk about the costs excluding the home costs, since when I have them in, they make all the other slices way too tiny and skew the data too much. 

From most to least, excluding the home category, here is where my money went: 

Accommodation: 32.31%. This includes Airbnb, motels, hotels, camping, a subscription to the Warmshowers (cycling accommodation swap) network and a subscription to the Trusted Housesitters (pet sitting) network. 

Shopping: 15.85%. This category includes toiletries, clothing, misc. home items & appliances, electronics and books. I also put any cycling related items in this category, which is why it is so high. I spent a lot of money on bike maintenance, bike accessories and gear, and I also got a new laptop. I probably should have put the bike mainenance in the transportation category, but...I didn't, and in 2025 I won't really have to worry about that as much. 

Dining Out: 11.86%. This category includes eating out, coffee, booze and ice cream. This one is crazy, and way higher than normal for me, probably because I had 19 breakfasts, 43 lunches, 42 dinners, 48 coffees and 10 ice creams out, plus various drinks and snacks, bringing my total number of times dining out in 2024 to 192 times or basically once every two days! Yikes!! As a comparison, in 2023, this number was 52 (6 breakfasts, 16 lunches, 12 dinners, 16 drinks including coffee and 2 desserts), so I nearly quadrupled my normal amount. 

When I stayed with or met up with people I often bought them a meal, so the dollar amount is a little higher than it would be otherwise. However, time spent with friends is priceless and so many of them (you!) were willing to put me up, and I appreciate that! 

Groceries: 10.05%. Despite being on the road for much of the year and therefore having to buy groceries in smaller (more expensive) quantities, and more often (I went to the grocery store 162 times in 2024!), I only spent about $700 (or $58 per month) more in 2024 than I did in 2023. Go figure! I would have assumed it would have been a lot higher. I guess only being able to carry so much on the bike kept me from overbuying! Also I definitely dined out more than I normally do, so much of my food cost probably went to that.

Utilities: 8.95%. This cateogry is a new one for me, as I was putting some of these items in the Home category before, or the Misc. category, but now they bascially cover most of my fixed costs, aka non travel costs, such as computer security, credit card fees, phone, computer software, cloud storage, and subscriptions. I do pay a lot in credit card fees, but I used the bonus points from these to pay for four tickets to Germany, so I think it is worth it for the time being. I will reevaluate at the end of 2025 and will cancel any that are not worth paying for anymore. 

Health: 8.59%. This category includes health insurance, out of pocket costs, massages, medicines and vitamins etc. I did most of my medcial stuff before I quit my job, which did cost me a little bit out of pocket, but the bulk of this is from my monthly insurance premium. 

Transportation: 7.40%. This includes airfare, Lyft/Uber, public transportation, car insurance, maintenance, registration, gas, tolls, car rental & parking. Most of the cost here was gas, trains (I took Amtrak three times and Via Rail Canada once) and ride share, because when we were done riding from Canada to Mexico, we were in the middle of nowhere and it cost $250 to have someone pick me up and take me and my bike to El Paso. 

Misc.: 4.83%. This category includes gifts, haircuts, legal fees, tax prep software and education expenses. I had to pay some taxes out of pocket. The biggest expense here was gifts by far; the second biggest was my CFA yearly fees, which cost about $300 per year. 

Entertainment: 0.16%. This category includes music, theater, sporting events, museums, tours etc. However, the only thing I did was one "free" walking tour in Seattle, but otherwise, my entertainment in 2024 was mostly riding through or past places, walking around in towns, or eating, which is covered in a different category.  

So, 2024 was a little unconventional and I am looking forward to seeing what 2025 brings. Just for fun, if I took what I spent for the year minus the home category and prorated it then adjusted it to be over a year again, I would have spent about 67% of my normal spending for the year at home in the Bay Area. This seems a little high so I am wondering if I will spend less for a year of international slow travel than I did for a year of moving every day but camping sometimes. 

What do you think? Do you think I will spend less or more in 2025 than I did in 2024?

In 2025, I will give actual dollar amounts per month and will also break down which country I am in so that I can compare these at the end of the year. I know that some places I plan on being are known for being cheaper, but I am also curious to find out if some of the places that we (I) assume are more expensive end up being cheaper than I thought. 

Do you track your spending? What was your highest spending category? How many times do you think you went to the grocery store and/or dined out last year? 

What I Learned: 24 New Things

Happy Epiphany! Normally if I was home, I would be celebrating this day with a run that used to be the number of kilometers as a friend's age (who is now in his 60s or maybe 70s!), so today I will do the same, but probably many less miles than normal! So, happy birthday John! Today I will run your age in km, drop the zero! 

Every year I like to make a list of the things that I learned over the year or the new things I discovered and for the last few years I have made it a list of the number of things corresponding to the number of the year. (*Side note: last year one of them was "overnight bikepacking." My how things have changed!) So this year I will give you 24 things that are new to me this year, in no particular order! 

1. New to me states. This year, I visited three new to me states, Montana, Wisconsin and Michigan. I really enjoyed all of them, and their specific beauty, as well as the people that I met in each of them. I still have a few left on my list to visit, but I am now up to 43 states visited so far! 

Montana

Wisconsin

Michigan

2. Sleeping with strangers. On my bike trip, I stayed with hosts through the Warmshowers network, which is a network of people willing to host a dirty cyclist and sometimes even feed and entertain them. I met a lot of very nice people through this, but I will admit to being a bit nervous the first time I did it. Luckily everyone was super nice, I got to learn about the local culture, and hear stories of their time on the road (most of them are also cyclists). 

3. Bike maintenance. Over the last year, I fixed about a dozen flat tires. However, this was already something that I knew how to do. What I did not know how to do and am now good at was how to assess certain problems, like adjusting my derailleur, changing my brake pads or replacing my chain. These were not the most exciting new things to learn but they did come in handy! 

Fixing a flat

4. Bike terms. Before this trip, I called the thingy on the back of the bike with all of the teeth on it that the chain goes around a "sprocket." Folks, it is not called a sprocket; it is a cassette. There is also a crank, a bottom bracket, and many other things on the bike that I learned about, sometimes the hard way (I had to replace my bottom bracket, which cost me an arm and a leg!) 

5. Native lands. I rode through so many different native lands, and many of them have information about the tribes there. I enjoyed learning more about the natives and first nations as I pedaled through. 

Map found in Nova Scotia, with my lines of where I went

6. Fun with AI. As you know from some of my posts, I have been playing around with AI a little this year. The best thing so far has been a table of places I could run or hike near my Airbnb with mileage and possible lunch options on the route. I have not tested it out yet by running there or trying the food, but it is a fun way to get some ideas. I am also enjoying making pictures, like this one below! 

7. Pronunciation. After reading Kae and Julie's blogs for a long time and completely pronouncing their family member's names wrong, I finally met them in person and learned how to do it right! Kae's husband is E-van, not I-van and Julie's daughter is May-ah, not My-ah. So now you know. (PS I also pronounced Hermione wrong for a long time in my head, and finally heard it said out loud and was surprised!) 

8. How to use a GoPro. I bought a GoPro in 2023 with the intention of using it for hiking and biking adventures and the first time I used it, I filmed my lap and handlebars for several videos without realizing it. I have gotten a little bit better at it since then, but still find out new things, like last week I found out that there is an "action" mode that I have never used. Oops. 

9. Too many things about computers. You were all there with me when I bought a new laptop and learned way too many things about RAM and GB and graphics cards. Something I have not told you though is that Costco has a 30 day price match policy, so I checked the price and it had gone down $300, and Costco adjusted it for me! 

10. How to ride a bike in the snow. This is not very fun and I do not really want to do it if I don't have to, unless maybe I got a fat bike. However, it was beautiful, even though I suffered! 

Near Burney, CA

11. Video calls make everything better. When I arrived home after being gone for nine months and saw my Mom in person for the first time, it did not feel like I had been away so long. We have a weekly video call and it really made it feel like we had been seeing each other the entire time. I almost forgot that I had not hugged her in nine months! 

12. Any coffee is good coffee. I already knew that I could pretty much drink anything due to camping and drinking a lot of instant coffee. However, in the last year, I have had instant, drip, filter, French press, Nespresso, espresso, Tim's, Starbucks, gas station coffee, Kurig...and more! And sometimes an instant coffee and powdered creamer latte on the side of a trail in the rain can be the best coffee you have ever had! 

Coffee with ice cream in it! 

13. More exercise is better for stomach issues. During my cycling times, I did not really have any issues with bloating! However, once I stopped, sometimes my tummy got a little sad. I think that burning more calories really helped the food to not just settle in the tummy and fester, and I felt so much better when I was active. 

14. People are wonderful. I already knew this, but had a great time meeting up with people for walks before leaving the Bay Area, and then meeting so many people along the way! This just cemented the fact that I do actually like people and that people are good! Sometimes the news or social media makes me feel otherwise, and we all need a reminder that there are good people out there! 

15. Dogs are okay too. I would not call myself a dog person, but I did have dogs growing up and I did love them. Of course, my Dad trained them and so they were well behaved dogs. I have realized recently that I don't dislike dogs, but I do not really enjoy badly behaved dogs, or their human owners. There is nothing worse than being on a leashed running trail and having an unleashed dog run up to you and jump on you while the human tells you that "he's friendly!" However, I have been with some pretty good dogs in the last year and they have warmed my heart (even Jelly, the crazy Cavapoo, has calmed down a little and now we are better friends). 

My brother's dog, Freddy

16. But cats are still better. Sorry dog lovers! I still like cats better. As a pet sitter, cats are so much easier. You can leave the house all day and come back and they are fine. You don't have to walk them; they are often not as needy. However, I did love getting out twice a day with the dogs! But cats are just so much more chill. 

Volunteering with J at Petco

17. Verbal journalling. Since I was riding, I often would use the Recorder app on my phone to record audio while I was riding. I tried to do this every day if I could, and would sometimes also record notes for other people and would send them a voice note of what was going on. This saved me having to rewrite it later after I was done riding. Also my app also transcribes and so later if I do want to write a journal, it will be very helpful. I feel like it was like my one line a day journal essentially and sometimes I would talk for a half an hour and sometimes only five minutes. However, I have started to go back and listen to them and it is very fun to hear how I felt nine months ago when I was just starting out. 

18. BC has free established camping. In British Columbia, if the provinical park campground is not yet open for the season, you can duck under or around the gate and camp there. Also, there are sites called Recreation sites, that are often free and first come first served. However, some of the rec sites are $10 or $20, depending on where you are. 

Sunshine Coast

Chain Lakes

19. People in Ontario have a stronger "Canadian" accent. I kind of knew this, as one of my good friends grew up in Toronto and she says "so-rry" instead of "sari" like we say in California. I also noticed more "ehs" in Ontario than I did in other places. I could be biased though, as the west coast Canadians sound a lot like Californians, so maybe I just did not notice their accent as much. 

20. Routing and rerouting. I did a lot of routing and rerouting on the fly for the bike trip. Even though I know how to map, and do it a lot for hiking trips, this really put me in the deep end of bicycle route planning that I had not really been in before. It probably also taught me that I do not need to prepare ahead of time for EVERYTHING, as often that was not a choice and I turned out okay. 

21. I can live with just my phone. I was without a laptop for a while and although I do not love it, I can do it if I need to. Isn't that funny though, as there have been so many trips in the past where I did not have a computer, and even ones before that where I did not have a phone, and all of them were just fine (remember mapquest? Or having to ask for directions? In French?) It also maked me really happy to have my laptop back when I finally got it. I defintely took it for granted before! 

22. Toilets and hot water are awesome. Speaking of taking for granted, I knew this before but let me say it again, having a toilet and a hot shower is priceless! 

Even this is better than digging a hole

23. New to me Provinces. I had been to Ontario to see Niagara Falls when I was younger, but had never really strayed into the rest of the province, so I will call this a "new" one, and also I made it across New Brunswick (but did not stay the night so I will not count it) and into Nova Scotia! I also explored Quebec a little more, and stayed in Montreal for a couple of weeks! Overall I am happy with the time I spent in Canada and can't wait to go back for more! 

24. How to sell a house. It feels like that was a long time ago, but it was only last year that I sold my house. I am so happy with the realtor that I picked, as I basically got rid of all of my stuff, quit my job, and left, and he did everything to prep the house for sale, including working with all of the contractors, plumbers, inspectors and electricians! I just wrote the checks and he did everything. It was actually not that bad in the end. 

And there you have it! I learned a lot more things, and definitely saw more new places than I could list here, but all in all, I say 2024 was a good year for new things! 

What new things did you learn or do in 2024? 

Best of 2024: Books

Happy New Year! According to Goodreads, I read 173 books in 2024 and DNFed 27, which comes out to roughly 70,300 pages. Here are a few stats.  

Breakdown by star rating:
5 stars (loved/it was great): 8 (4%)
4 stars (liked a lot/it was good): 82 (41%)
3 stars (liked a little/it was okay): 68 (34%)
2 stars (barely liked/it was not that good): 15 (7.5%)
1 star (it sucked but I finished it): 0 (0%)
0 stars (DNF): 27 (13.5%)

Average rating including DNFs: 3.01
Average excluding DNFs: 3.48

As you can see, this year if it sucked, I did not finish it, which contributed to a high amount of DNFs compared to most years in the past. Also four stars was my most common rating, but still there were enough threes and twos that the average was not that great. 

You can find a list of all of my favorites from prior years on my bookshelf page or on Goodreads. 

My two favorite books this year were: 

The Indifferent Stars Above by Daniel James Brown: As a California native, we heard about the Donner party a lot! Any time we cross over Donner pass, we think of how they had to eat each other to stay alive. Any time we pass by Donner lake, we stop at the plaque and read about their struggles. I have heard it a million times. However, the author has a way of telling a story that just resounded with me. I really enjoyed this book (side note, see below for another one of my favorites by him) and the way he detailed the struggles of the Donner party. 

The Mountains Sing by Phan Quế Mai Nguyễn: This book tells the story of the Vietnam war and more, as seen from the point of view of a Vietnamese native. It is a multigenerational story and starts with the mother in the early 1900s and details the conflicts within both the country and the family as time goes by. Another book by the same author, Dust Child, was a four star read for me but didn't quite make the top cut.

The following books (in no particular order) were all five star reads: 

The Secret Book of Flora Lee by Patty Callahan Henry: A teenaged girl loses her sister during the evacuation of the children of London during WWII and she is traumatized for life. Then, as she is reading a manuscript for her job in editing, she reads a story that only her and her sister would know. This sparks a renewed search for her sister and we go through twists and turns to find out whether or not her beloved sister is still alive. 

None of This is True by Lisa Jewell: Who doesn't love a good thriller. I am constantly entertained by this author, and this book was no exception. It is the story of a true crime podcaster who interviews an interesting women, who later turns into a liability and the podcaster becomes the subject of her own podcast. Twists and turns at every corner make this an entertaining read. 

The Women by Kristen Hannah: I probably don't need to say much as this was a hot book this year, but I enjoyed learning more about the women who went to Vietnam to serve in the war. Also the story of how they were treated when they returned, as well as the mental struggles they had in both places were heartbreaking. 

Facing the Mountain by Daniel James Brown: If you have not heard about the Nisei soldiers, you have to read this book. This details the struggles that the first generation Japanese Americans had when they went off to fight in WWII against the Japanese. Many of them were sent on fool's errands, and they were treated badly by their own countrymen (Americans) even though they were fighting alongside them. 

The Anxious Generation by Jonathan Haidt: I already did a write up on this, but in case you missed it, the book goes into some of the issues that the younger generations are having due to the amount of screen time they are using, as well as the platforms and apps that they are using on their phones/screens. 

The Wedding People by Alison Espach: Here is another book that will probably be a best of book on many people's lists. A woman goes to a hotel to kill herself and realized that there is a week long wedding party taking place at the same hotel. She is understandably annoyed, but things take a turn and the end is not what you think it will be. 

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The following (in no particular order) were at the top of my four star reads for the year: 

Outlander (#1, #2, #3) by Diane Gabaldon: Men in kilts, romance, war. Need I say more? 

Kill Show by Daniel Sweren-Becker: A 16 year old goes missing, and a television network decides to make a reality show about trying to find her. It is written in interview form, which I liked, and also keeps you guessing what really happened until the very end. 

Mrs. Quinn's Rise to Fame by Olivia Ford: Basically the Great British Bake Off, as told from a very lovable older woman's perspective. However, we do find out that more lies beneath the surface than expected. 

The Golden Spoon by Jessa Maxwell: Basically the Great British Bake Off, but with murder. 

The River We Remember by William Kent Krueger: A high profile townsman is murdered, a Native American man is blamed, and the sherrif has to sort it all out. 

The Berry Pickers by Amanda Peters: A four year old Mi’kmaq girl goes missing from a Maine berrry field, and her family searches for her for years. Cut to the future, when a girl named Norma grows up in Maine and doesn't feel like she quite fits in. The author does a great job of detailing the trauma involved, as well as the struggles and love that bring the whole thing together in the end. 

All My Rage by Saaba Tahir: Told from the perspective of a young Pakistani boy whose family moved to America to open a motel, it is a tale of struggles and family and love and regrets. 

Never by Ken Follet: What would it be like if WWIII was on our hands? Follet does a good job of creating an event that many may be dreading. Also there is a woman president. Yay. 

Looking for Jane by Heather Marshall: Stories about the taboo subject of abortion and how girls would have to sneak around to try to get someone to help them in their time of need. Alongside this, we also have children that were taken from their parents by force at birth and the stories of trying to figure out later what had happened in those desperate times. 

The God of the Woods by Liz Moore: A wealthy teenager goes missing at summer camp, but the kicker is that she is not only the daugher of the camp owners, but her little brother went missing from nearly the same spot many years ago. We spend our time trying to figure out who took her or whether or not she has been killed, and of course there is a twist at the end. 

What was your favorite book of 2024? Do you mostly read audio, eBook or paper books?