Archive for the ‘Finances’ Category

September YNAB analysis

Maybe I should be doing further ado. I could be pointing out that I went to Japan with my parents in August and refrained from buying anything with “new” money. I had some Japanese yen from way back when and spent that, but if I hadn’t had it, I wouldn’t have bought anything.

Motto of the story: don’t carry cash. Ever.

So yeah, maybe I should add in some head patting to the self-flagellation. IDEK.

Sept YNAB

 

So, books are still a problem, as usual. *sigh* Some days I wonder if it’s even worth fighting that one. I’m tempted to just relabel the category as “prozac” and be done with it. Certainly back in the day when I was taking Wellbutrin, it cost well over that amount every month. Win some, lose some, eh?

Good news is entertainment went down to just my Spotify subscription. I’m debating stopping that also, since it’s going to take me what, only about 12 months at $20 for me to crawl back into the black as is already. But I have a thing about paying for the stuff I consume so I’ll probably keep it going rather than shell out the couple hundred dollars to pay for the tracks I listen to. One of these days I’ll do a cost analysis and see, but for the moment I might just let it slide.

Ah, letting it slide, the nemesis of saving money. :D

Aaaaaand, I exploded my toiletries category. My handkerchiefs were getting a bit too holy for my taste, so I got some new ones. Yeah, about $150 worth of new ones.

I did do the math; the handkerchiefs I got back in March of 2011 have lasted me this long and even with the calculation of laundry, I was still ahead. Not ahead if you start counting labor, but eh, what is?

So total for Sept was $366.68 and it’s going to take me about, oh, also about 12 months to recover from the handkerchiefs. Sweet.

If I count the $100 I paid to E to schlepp my boxes from my old place to my parent’s house and I do, that’d be $466.68 and an object lesson in “never trust anyone not to stab you in the back” and “why an emergency fund is a good idea” and most importantly, “why having a fucking income is next to godliness”.

If I get a windfall, it’s an even toss as to whether I should slot it toward my book red or if I should just stick it in an investment vehicle somewhere. Or I might stick it in toiletries because I hate seeing that red. We’ll see.

And yeah, part of the deal for October is I need to write down the title, author, and review of every book I buy.

And now for something different…

It’s interesting, to be without my own income for the first time since I was eighteen.

So it’s been about, what, three months since I came back to Taiwan? Which, since I used “back” again, I probably really should try to unpack that a bit at some point. I keep being surprised by it, but it keeps slipping out anyway, so maybe I really should think harder on it.

So since I don’t really have “income” right now, just a sort of allowance/stipend thing, I figure it’s a good chance to get on that hyper-focus on budgeting thing. Or, you know, it’s another way to procrastinate, I don’t know. Probably the latter, to be honest, but on the other hand, I really do need to be putting all of my expenditures under a magnifying glass at the moment. Or at least, the trend of spending if nothing else.

I do have some money put away, but I really don’t want to drain it unless I really have to.

So, starting from July…

July YNAB

 

To clarify, my parents are still paying me $100/month to deal with their rental property and my mom has very graciously decided to pay my Doctors Without Borders monthly donation. That means I have about $100 of my own money that I’m pulling per month for non-negotiable stuff like clothing, books, and business expenses. Theoretically I’m going to try my best to not touch it, but I figure not budgeting for it is a stupid idea.

So, July is not all that pretty.

I went way overboard on the books. Not surprising considering that I was stressed and I tend to binge read when I’m depressed, but not good either. At least it was low triple digits…

Entertainment isn’t looking too hot either, but the reason for that is because I had to replace my Kindle after it got lifted from my pocket in Sweden. Yeah. “Had to”. I know.

I spent $95 on a five book cover credit, which I think was a steal but that did put me over budget.

In all, not terrible, asides from the book binging. I’m trying to figure out how to cut down on it and I usually have varying stages of luck. Sometimes going completely cold turkey and not looking at anything that isn’t free works, but sometimes it doesn’t on really dark days, especially if KU is being particularly slushy.

I’m wondering if forcing myself to write a book review on everything I pay for would work. On the other hand, I usually start paying for books when I’m too depressed to roust myself out of bed, so I’m not sure how well that would go.

Ugh. Having no willpower sucks. That delayed gratification challenge? I suspect I would have failed at it… On the other hand, part of the problem isn’t so much delayed gratification as I tend to just fwomp when I can’t see that things will get better if I delay my gratification. It’s not like I’m going to get more money if I hold off on buying more books if I technically have the money in the bank.

Well, in terms of interest, maybe, if I saved the money and bought stocks with it. Maybe that’s the ticket – every time I hold off on buying a book, I transfer the money into an account I then funnel into my stocks.