Monday, February 29, 2016

Feb 2016 Budget and Goals Review

Holy crap, the months just go by so freaking fast these days. How does time disappear so quickly?! I don't feel like I've gotten anything done, but I sure have spent money! I'm right on budget, though:



Feb 2016 Budget
Category Spent Budgeted Amount
Rent $900.00 $900.00
Groceries $277.70 $425.00
Internet $120.58 $29.33
Electricity $33.80 $50.00
Eating Out $123.30 $143.00
Charity $0.00 $30.00
Cell phone $125.00 $40.00
Medical $187.45 $65.00
Misc $681.87 $700.00
Savings $500.00 $500.00
Total $2,949.70 $2,882.33
Remainder $3.50


Groceries are under budget, which is odd. I'm eating more than ever (as the scale reflects ;)).

Internet is crazy expensive this month. We hit our 100 GB data limit due to my flatmates' new NetFlix addiction, so we are switching to fiber internet, which involved a set up fee ($49), a new router ($120), and paying the overage fee and normal monthly cost.

Under budget for eating out.

Cell phone is way over because of my Skype subscription renewal.

Medical is over budget, but that's OK--I had a physio, dentist, and doctor's appointments.

MISC
alcohol  $        120.19
entertainment  $               -  
exercise  $               -  
fees  $               -  
gifts  $               -  
goods and wants  $        456.60
transportation  $        164.08
travel  $               -   
 



Alcohol: out of town colleagues visited; two friends visited; a friend had a birthday party; I had drinks and some food and tried new beers with friends and workmates, as usual. Hosted a movie night.

Goods and Wants: bought bug eating plants for the gnat invasion in my kitchen; food and goodies from the American store; replaced my watch battery; bought fertilizer for my garden; bought a gift for a friend's birthday; paid for a photography course; bought a toothbrush and lightbulbs;

Transportation: cityhop! and 1 bus and 1 Uber

Good month. Work was extremely busy and stressful the first half (we had a big project). I ended up pretty much managing the entire project myself--including threatening to fire our contractors if they didn't shape up--and had to work eleven 16-hour days in a row. Whew. And that wasn't even for my PhD! I do really love my job though, and it was considered a huge success by everyone involved, so that is another win for me!

The latter half of the month has just been getting back in the normal work groove again. I'm kind of checked out of my PhD. Getting stressed over it just isn't worth it. I have no major deadlines for it til next year so I'm trying to not let my crazy supervisor get in my head with his insults and comments about being disappointed again.

FEB GOALS

The Good
--I flossed every day. Got an excellent bill of teeth from the dentist. Yay!
--I updated my Master Accounts sheet with my new insurance details.
--I made dermo and physio appointments--I've been to two phyio appointments already!
--I updated all of my CV and career sites.
--I went to the dentist for a check up.
--I gathered all of my federal and state tax documents.
--I ordered new contact lenses.
--I signed up for a photography class.
--I fertilised and fixed my orchid.
--I rented my garage finally!
--I granted a radio interview as requested but the journalist never contacted me to set up the interview (at least, not yet).
--I made a plan to log my travel expenses.
--I have been practicing my Spanish every day (but I'm still not to 50% fluency!! That last 1% is taking FOREVER!)
--I pulled together my flights, car rentals, and accommodation details for my South America trip.

The Bad
--I need to work on doing the weights and stretches. I need to exercise!
--I had to postpone my Float Tank session, unavoidable...
--I didn't do my PhD proposal.
--I  haven't been sticking to my early bedtime (surprise, surprise).
--I have meditated only a few times.
--I haven't been really working on my posture, awareness, breathing like I should be!
--I also haven't worked out, stretched, done sit ups, planks, or weights as much as I should be.

Not bad at all! Next month, clean slate. 

March Goals

March Goals!

(Am so excited, I go to South America this month!!!)
  1. Finish planning & go on S America trip: finish planning out tourist destinations--maps, costs, etc. Look into SIM card, vaccines, details needed for trip.
  2. Reach 50% Spanish fluency in Duolingo by S America trip. Am at 49% now!!!
  3. Implement and test out travel spending tracking strategy on S. America trip: prior to the trip, I'll log spending for the trip in an Excel spreadsheet in my budget workbook, while on the trip, write down spending in my travel diary each night. I love having a travel diary as it can be read over and over later, and memories that I had forgotten about resurface!
  4. Finish US federal and state taxes & send in.
  5. Go on photography course.
  6. Learn how to drive stick in S. America. (LIFE GOAL!)
  7. Finish PhD proposal.
  8. Write grant proposal #2.
  9. Outline paper #1.
  10. Keep going to the physio. Right now we meet twice a week to deal with my posture and joint issues. Getting old sucks!
  11. Do physio stretches each day.
  12. Float Tank appointment. Set.
  13. Dental cleaning and teeth grinding consultation (also want to get a rec for an electric toothbrush). Oral b or sonic care is good. SC better for me because I have little buildup and sensitive gums.
  14. Schedule Dr appointment 2 for May--circumstances meant I couldn't get everything done in the time allotted:
    1. flu shot
    2. therapist referral
    3. thyroid check up
    4. lady check up
  15.  Join Credit Karma.
  16. Outline public talk.

Sunday, February 21, 2016

Gratitude for the BIG things

Update: Dad still has spots on his lungs--probably due to the worsening of his emphysema--but the tumor is benign.

Thank goodness! Very grateful that things are not worse than they are.

Saturday, February 20, 2016

Gratitude for the Little Things

For some reason, I cannot break out of my funk! Even with the beautiful, hot summer weather, which normally makes me joyous and energetic, I am pretty lethargic and sad.

Even so, I'm trying to be grateful for the good things. For example, my garage renter put in his notice, but his friend wanted the spot, even with the higher rental price. And they want it for the next 2 years at least. It's in the contract that the rent will increase in a year.

So--the carpark income that I wasn't sure about is pretty solid! The car park income is only $65 per week, but it goes a VERY LONG WAY to making my life more comfortable. All the little extras in my life are pretty much paid for by that carpark income.

Yay!

Thursday, February 11, 2016

Jan 2016 Budget and Net Worth

Another month down...I made it.



Jan 2016 Budget

Category Spent Budgeted Amount Balance
Rent $1,125.00 $900.00 -$225.00
Groceries $395.86 $425.00 $29.14
Internet $29.33 $29.33 $0.00
Electricity $25.08 $50.00 $24.92
Eating Out and Alcohol $121.80 $143.00 $21.20
Charity $0.00 $30.00 $30.00
Cell phone $5.00 $40.00 $35.00
Medical $60.00 $65.00 $5.00
Misc $590.83 $700.00 $109.17
Savings $500.00 $500.00 $0.00
Total $2,852.90 $2,882.33 $29.43
Remainder $30.30


Medical: I spent $60 on my eye exam this month.

I was at home until 10 Jan so I should be under budget in most categories, and I am.

Misc:



alcohol  $               -  
entertainment  $          30.90
exercise  $               -  
fees  $               -  
gifts  $               -  
goods and wants  $        259.76
transportation  $        186.23
travel  $        113.94


Entertainment: Watched Bad Grandpa with friends
Goods and Wants: Martha's backyard, spa pedicure, massage, haircut, eyebrow threading, household items, cold meds
Transportation: $75 cityhop, airbus home, petrol for friend's rental car
Travel: return flight to the East Coast US later this year

I'm generally quite satisfied with my budget these days.

Net Worth:

In January, cashed out some $$ for my South America trip and invested nearly $3K in my Kiwisaver right before the market tanked--so my NW looks terrible:



NW since tracking began (DEC 2014)



NW Dec 2014 This month Difference ($) Difference (%)
NET WORTH (same) 104128.75 110723.46 6594.71 6.33
NZ Net Worth 82442.59 89373.61 6931.02 8.41
US Net Worth 21219.15 21098.85 -120.3 -0.57













Change from last month: Last Month This Month Difference ($) Difference (%)
NET WORTH (same) 115243.83 110723.46 -4520.37 -3.92
NZ Net Worth 93893.98 89373.61 -4520.37 -4.81
US Net Worth 21098.85 21098.85 0 0.00

Feb 2016 Goals

Oh, just a few things I want to do in Feb.
  1. Weights, sit ups, planks, and exercise as many days as possible.
  2. Keep flossing. 
  3. Start meditating every day (plus posture, awareness, breathing).
  4. Get up every day by X am. Go to bed by X pm (play with numbers gradually until I find a good schedule). 12 am = my new bedtime.
  5. Add details of $12K for $350 and $1K excess renter's insurance policy to Master Accounts spreadsheet.
  6. Plan S America trip: finalize car rentals, book wedding lodging night, and start planning out tourist destinations--maps, costs, etc. Look into SIM card, vaccines, details needed for trip.
  7. Start Duolingo Spanish. Reach 50% fluency. Am at 49% now!!!
  8. Finish PhD proposal--take 2 days.
  9. Feb pampering: Try a Float Tank. Have an appointment!
  10. Go to dentist (check up/grinding teeth) and doctor appointments (S Am. vaccines/dTAP booster/check up/thyroid levels). Dentist appt is set for 25 Feb, doctor 29 Feb.
  11. Make dermatologist and physio appointments. 
  12. Think about how to log my travel expenses and incorporate into my budgets and yearly spending so that I get an accurate picture of outgoings-incomings each year. Making a new 'Travel' Budget page and will try to input all spending for and during trips in this sheet. Will also play around with adding money spent on the road to my travel diary each day while on vacation.
  13. Gather all tax documents and forms.
  14. Update my CV, LinkedIn, Twitter, blog, staff page, and Researchgate profile; make OrcID profile.
  15.  Order contact lenses.
  16. Make plan to do photography course before S Am trip. Photog course booked for March!
  17. Fertilize and trim orchid. 
  18. Rent out garage again and finalise bond for old renter. I think I've found someone, just need to finalise all the details...
  19. Grant one media interview. Have written back and accepted media interview request.
  20. Go to the Physio.

Serious

My parents informed me in my weekly phone call last night that the doctors have found a tumor in my dad's bladder, and spots on his lungs.

They are doing more tests to figure out what is happening, but no one needs to tell me that this doesn't look good.

For now...back to work.

Update: here.

Saturday, February 06, 2016

$65 Per Week For Doing Nothing

You know what would be an excellent side hustle/investment purchase? Renting out garage or parking spaces.

I'm the sole tenant on my $555 per week 2 bedroom + car park rental lease. Landlord was adamant that I could do whatever I wanted with the second bedroom (as long as no more than 2 people lived in the space with me) and car park. So...I rent out both the second bedroom and car park.

For the second bedroom, there are obvious responsibilities. I have to make sure they keep the space in good condition, follow rules, etc. I'm also where the buck stops when dealing with anything that has to do with the flat: repairs, inspections (oh, so many inspections!!), communication with the landlord, and sorting and paying utility bills. But that is OK--because I am a control freak and even when I shared a lease with someone, I was in charge of all of it anyway.

Out of the $555 per week rent, my flatmates pay $330, leaving me with $225 per week rent to pay. (As they've been here for more than a year, it will be time to renegotiate that if my rent goes up this June!)

For the car park, though--as long as they pay me each week and just park in the space (what else would they do with it?!), I cash the check for doing absolutely nothing. The building HOA takes care of maintaining and cleaning the space, as well as 24/7 surveillance.

That extra $60 (now $65!) per week goes straight into my pocket. It's how I can afford to live 5 minutes' walking distance away from my office in the middle of one of the most expensive cities in the world. This means that my effective rent goes down to $160 per week. Last I checked, there were fewer than 50 places to rent in the CBD for that price...and you had to share a bedroom with someone. #Lucky.

My current garage renter Ben is leaving. He has been a total star. He doesn't care about the annoying bi-annual garage washings that require carparkers to vacate the premises for a morning. He refused my offer to pay him back for the day's rent when that happens. He just pays his money and goes about his business with no trouble. He has also found me my next garage renter, who wants the space for 2 years.

I charge less than car parks nearby--I've seen it as high as $120 per week! That kind of money gets you a bed in a shared room here. I charge a measly $65 per week, only because my rent went up from $550 to $555 last June. I'm assuming my rent will go up again this June--and so I've arranged with the new car park renter for his rent to go up to $70 per week if that happens.

Hopefully this new one is no trouble, either. If not, that is a cool $65 per week in my account for, again, doing nothing. If you can swing it, this is a great side hustle option!

Jan 2016 Goal Update

Well, January is almost over, but I still want to accomplish a few things:
I started making goals towards the end of the month, so these were very ambitious! Some will be moved to Feb goals.
  1. Start working out. Basically: get in shape so that I can start getting into shape. Started to...then got busy at work.
  2. Transfer 2015 Kiwisaver money from Rabobank and contribute to Superlife Kiwisaver. Done
  3. Revise 2016 budget according to PhD salary and lifestyle in 2015. Done
  4.  Get confirmed quotes for basic Renter's insurance (including public liability). AA insurance? Quoted $338 annually for $10K of contents, $307 for $5K, $420 for $25K, $400 for $20K, $290 for $2K (their minimum), and $370 for $15K. Done! $12K for $350 and $1K excess.
  5. Plan S America trip: revise car rental and plan out tourist destinations. Started to...still more to go!
  6. Start Duolingo and Memrise Spanish review. Errnt. Oops.
  7. Start writing PhD proposal. Sort of. I read it and then my supervisors told me I should only put 2 days' worth of work into it. I need to strategize in order to only put in minimal work...
  8. Update my CV, LinkedIn, Twitter, blog, staff page, and Researchgate profiles for work. Errrnnt. Not done. Move to Feb.
  9. January pampering: Get pedicure. Done! Plus got my hair cut, eyebrows threaded, & a massage.
  10.  Eye check up for contact lens prescription, and double checking prescription from December. Done!
  11. Make dentist, doctor, dermatologist, and physio appointments. Half done--dentist & dr appts. made. Why don't these other offices ever pick up the phone or call me back?!
  12. Start flossing and meditating. Half done. Flossing's in the bag.
  13. Start getting up early every day/going to bed early. Done: required for my job, but done...