Go Curry Cracker > Journals
Tilting at Windmills
gocurrycracker:
Best of luck to you in 2019 prognastat. It sounds like you are well on your way to achieving some aggressive goals.
At this point, market swings are a bigger impact on portfolio than contributions. An extra $10k of savings in 2018 would only be 2% of net worth.
Have you looked at signing up for an athletic event as a goal? Running or biking a race is always good motivation for me.
prognastat:
Thanks, I'm looking to kind of get a fresh start and start with having very little and build up to a level I feel comfortable at rather than slowly paring down to a level I'm comfortable at. I'm actually pretty comfortable with not all that much as far as possessions and events go. My life for the past 10 years was dictated in large portion by my wife and how frugal she was willing to be. So I never got down to a level where I felt like I was missing out. Given that we still spent about 60k last year saying that makes me feel kind of like an ass though. That the amount we spent with me pushing to cut costs is still higher than the median income in the US. So not that great of an achievement in frugality.
The market swings definitely are noticeable as the past few months have show knocking out most work I've put towards increasing net worth over the past 6 months. However I just keep in mind that I'm buying shares(index funds) so even if the monetary value is lower the actual amount of shares is higher thus more potential for growth and also higher dividends. I do my best to try staying positive XD.
I'm not that huge in to cycling and running, I don't hate them and do them some for financial and health reasons, but once things get settled after the divorce and things have stabilised I'd like to start doing archery more again. I was doing it 1-2 times a week up to a few months ago.
prognastat:
Well just finished fixing my iPhone 6S Plus, the battery was failing it's health test and struggling to get through half a day if it was being used at all, the screen cracked(the final nail in the coffin) and the headphone jack was broken.
I ended up looking at my options, but due to it being out of warranty, having a cracked screen and other problems a repair by apple would have been over $300 and I wasn't ready to upgrade either(have the option, just don't want to).
For the same amount I could get all the parts needed and the tools needed to install those parts. It wouldn't mean financial savings up front but I'd have the tools to do it again for more significant savings. I can also use those tools to repair other electronics and possibly even repair other people's devices for a profit down the line.
All in all was about an hour of work and although I was holding my breath when trying to power it back on after replacing that many parts it powered on, screen is working, home button still works, battery works and the headphone jack is working again so a complete success. I would suspect for individual repairs with a little practice I could get it down to 30 minutes or so of work.
prognastat:
Finances January 2019
Still calculating the finances as 50% of our shared expenses as the divorce wasn't finalised yet and we were still sharing expenses.
Income January 2019
--- Code: ---| Category | $ | % |
|--------------|--------|-------|
| Total | 11,503 | 100.0 |
| Paychecks | 2,915 | 25.3 |
| 401k | 3,282 | 28.5 |
| ESPP | 5,096 | 44.3 |
| HSA | 210 | 1.8 |
--- End code ---
This month's income was a lot higher than usual, as it included the first pay check covering my holiday pay for December and the employee stock purchase program paid out the stocks that were paid into for the last 6 months. This is also the first month I'm putting in and maxing out my employer HSA.
Spending January 2019
--- Code: ---| Category | $ | % |
|--------------|-------|-------|
| Total | 5,978 | 100.0 |
| Pets | 2,146 | 35.8 |
| Mortgage | 737 | 12.3 |
| Rent | 700 | 11.7 |
| Food | 485 | 8.1 |
| Legal | 366 | 6.1 |
| Entertainment| 355 | 5.9 |
| Health | 254 | 4.2 |
| Electronics | 246 | 4.1 |
| Bills | 126 | 2.1 |
| Auto | 69 | 1.1 |
| Insurance | 57 | 2.0 |
| Other | 24 | 0.9 |
--- End code ---
This month's expenses were absolutely awful.
One of our dogs started pooping blood and had to spend 3 days in observation at the vet along with a ton of tests which adds up quick along with the medicine he needed after. All told the treatment of this ended up costing over 4k. Thankfully he seems to be doing fine now, but was definitely a huge unexpected expense.
Along with that halfway into the month my ex-wife wanted me to move out asap rather than when the divorce was final on her psychologist's recommendation. This changed plans a decent bit, good news is I found a room I could rent for probably the next year that's $600 month utilities includes and is a 10 minute walk or about 6 minutes on bicycle from work and maybe 15 and 8 minutes for each of those to the grocery store. The downside though is that as this happened while we were still married January had both a mortgage payment and a big lump sum for rent both for the last week of January, February and a month for the last month on the room. This about doubled out expenses on roofs over our heads in January. On the flip side I won't have any rent on my February budget at all since it's already been paid.
There was an increase in eating out and gas as my wife and her sister have been travelling back and forth(she lives about 3 hours from us) to spend time together and going out to party and restaurants together. I contributed a little bit to this too by ordering Chinese for me and the new housemates to celebrate the move the day I moved.
There were also more legal fees related to hiring a lawyer to write a decree of divorce for us and they charge a minimum of 3 hours of work even if it comes in at less than that.
Net Worth January 2019
--- Code: ---| Category | $ | % |
|--------------|---------|-------|
| Total | 240,326 | 100.0 |
| Cash | 7,323 | |
| Home | 110,171 | |
| Investments | 185,411 | |
| Credit | -1,050 | |
| Mortgage | -61,529 | |
--- End code ---
Net worth went up about 17.5k from the previous month mostly thanks to the market bouncing back.
Spending/Savings Rate January 201
--- Code: ---| Category | $ | % |
|--------------|---------|-------|
| Income | 11,503 | 100.0 |
| Spending | 5,978 | 51.9 |
| Savings | 5,525 | 48.0 |
--- End code ---
prognastat:
Health January 2019
Health Metrics January 2019
--- Code: ---| Category | This Month | Last Month |
|----------|------------|------------|
| Weight | 195 | 201 |
--- End code ---
Getting back on track after slipping on the food front for the last few holiday months of 2018. I got back up to 201 lbs by the end of December from a low of 174 lbs. This was mostly due to diet as I did keep working out 5 times a week, but when I don't watch what I'm eating as much there is no amount of working out that can burn it off. Thankfully got it moving in the right direction and lost about 6 lbs in January.
Now that I'm no longer living with my ex-wife it has been easier to control what I eat as I only have to account for my weak moments and don't have someone bringing in unhealthy food or constantly trying to convince me to eat out or get fast food etc. I can handle my own weak moments for the most part(at least enough to maintain progress on weight loss), but not when I have someone else sabotaging me too.
Workout Progress January 2019
Mondays(Back Day):
--- Code: ---| Exercise | Reps | Lbs | Cals | Time |
|-------------------------|------|-----|------|------|
| Pull Ups | 20 | -45 | N/A | N/A |
| Pull Ups | 15 | -45 | N/A | N/A |
| Pull Ups | 12 | -45 | N/A | N/A |
| Pull Ups | 10 | -45 | N/A | N/A |
| Pull Ups | 10 | -45 | N/A | N/A |
| Push Ups | 19 | N/A | N/A | N/A |
| Push Ups | 19 | N/A | N/A | N/A |
| Push Ups | 19 | N/A | N/A | N/A |
| Push Ups | 19 | N/A | N/A | N/A |
| Push Ups | 19 | N/A | N/A | N/A |
| Cardio | N/A | N/A | 134 | 10m |
| Plank | N/A | N/A | N/A | 60s |
| Plank | N/A | N/A | N/A | 60s |
| Plank | N/A | N/A | N/A | 60s |
| Wide Grip Lat Pulldowns | 12 | 125 | N/A | N/A |
| Wide Grip Lat Pulldowns | 12 | 125 | N/A | N/A |
| Wide Grip Lat Pulldowns | 12 | 125 | N/A | N/A |
| Wide Grip Lat Pulldowns | 12 | 125 | N/A | N/A |
| Hammer Strength Row | 12 | 115 | N/A | N/A |
| Hammer Strength Row | 12 | 115 | N/A | N/A |
| Hammer Strength Row | 12 | 115 | N/A | N/A |
| Hammer Strength Row | 12 | 115 | N/A | N/A |
| Cardio | N/A | N/A | 139 | 10m |
| Leg Raises | 12 | N/A | N/A | N/A |
| Leg Raises | 12 | N/A | N/A | N/A |
| Leg Raises | 12 | N/A | N/A | N/A |
| One Arm Row | 12 | 60 | N/A | N/A |
| One Arm Row | 12 | 60 | N/A | N/A |
| One Arm Row | 12 | 60 | N/A | N/A |
| One Arm Row | 12 | 60 | N/A | N/A |
| Back Hyperextensions | 25 | 35 | N/A | N/A |
| Back Hyperextensions | 20 | 35 | N/A | N/A |
| Back Hyperextensions | 15 | 35 | N/A | N/A |
| Back Hyperextensions | 15 | 35 | N/A | N/A |
| Cardio | N/A | N/A | 133 | 10m |
| Side Plank | N/A | N/A | N/A | 60s |
| Side Plank | N/A | N/A | N/A | 60s |
| Side Plank | N/A | N/A | N/A | 60s |
--- End code ---
Tuesdays(Chest Day):
--- Code: ---| Exercise | Reps | Lbs | Cals | Time |
|-----------------------------|------|-----|------|------|
| Bench Press | 12 | 110 | N/A | N/A |
| Bench Press | 10 | 120 | N/A | N/A |
| Bench Press | 8 | 130 | N/A | N/A |
| Bench Press | 6 | 140 | N/A | N/A |
| Bench Press | 4 | 160 | N/A | N/A |
| Bench Press | 4 | 160 | N/A | N/A |
| Bench Press | 4 | 160 | N/A | N/A |
| Bench Press | 4 | 160 | N/A | N/A |
| Cardio | N/A | N/A | 207 | 15m |
| Incline Bench Press | 12 | 100 | N/A | N/A |
| Incline Bench Press | 12 | 100 | N/A | N/A |
| Incline Bench Press | 12 | 100 | N/A | N/A |
| Incline Bench Press | 12 | 100 | N/A | N/A |
| Hammer Strength Bench Press | 15 | 100 | N/A | N/A |
| Hammer Strength Bench Press | 15 | 100 | N/A | N/A |
| Hammer Strength Bench Press | 15 | 100 | N/A | N/A |
| Hammer Strength Bench Press | 15 | 100 | N/A | N/A |
| Cardio | N/A | N/A | 200 | 15m |
| Weighted Dips | 10 | -35 | N/A | N/A |
| Weighted Dips | 10 | -35 | N/A | N/A |
| Weighted Dips | 10 | -35 | N/A | N/A |
| Weighted Dips | 10 | -35 | N/A | N/A |
| Chest Fly | 12 | 105 | N/A | N/A |
| Chest Fly | 12 | 105 | N/A | N/A |
| Chest Fly | 12 | 105 | N/A | N/A |
| Chest Fly | 12 | 105 | N/A | N/A |
| Cardio | N/A | N/A | 205 | 15m |
--- End code ---
Wednesday(Leg Day):
--- Code: ---| Exercise | Reps | Lbs | Cals | Time |
|-------------------------|------|-----|------|------|
| Deadlifts | 12 | 125 | N/A | N/A |
| Deadlifts | 10 | 125 | N/A | N/A |
| Deadlifts | 8 | 125 | N/A | N/A |
| Deadlifts | 6 | 125 | N/A | N/A |
| Plank | N/A | N/A | N/A | 60s |
| Plank | N/A | N/A | N/A | 60s |
| Plank | N/A | N/A | N/A | 60s |
| Leg Press | 39 | 540 | N/A | N/A |
| Leg Press | 39 | 450 | N/A | N/A |
| Leg Press | 46 | 360 | N/A | N/A |
| Leg Press | 50 | 270 | N/A | N/A |
| Leg Press | 50 | 180 | N/A | N/A |
| Leg Press | 50 | 90 | N/A | N/A |
| Leg Raises | 12 | N/A | N/A | N/A |
| Leg Raises | 12 | N/A | N/A | N/A |
| Leg Raises | 12 | N/A | N/A | N/A |
| Leg Extension | 20 | 140 | N/A | N/A |
| Leg Extension | 20 | 140 | N/A | N/A |
| Leg Extension | 20 | 140 | N/A | N/A |
| Leg Curls | 20 | 95 | N/A | N/A |
| Leg Curls | 20 | 95 | N/A | N/A |
| Leg Curls | 20 | 95 | N/A | N/A |
| Calf Raise | 20 | 160 | N/A | N/A |
| Calf Raise | 20 | 160 | N/A | N/A |
| Calf Raise | 20 | 160 | N/A | N/A |
| Side Plank | N/A | N/A | N/A | 60s |
| Side Plank | N/A | N/A | N/A | 60s |
| Side Plank | N/A | N/A | N/A | 60s |
--- End code ---
Thursday(Shoulder Day):
--- Code: ---| Exercise | Reps | Lbs | Cals | Time |
|-------------------------|------|-----|------|------|
| Military Press | 10 | 90 | N/A | N/A |
| Military Press | 8 | 90 | N/A | N/A |
| Military Press | 6 | 90 | N/A | N/A |
| Military Press | 5 | 90 | N/A | N/A |
| Military Press | 4 | 90 | N/A | N/A |
| Military Press | 3 | 100 | N/A | N/A |
| Military Press | 3 | 100 | N/A | N/A |
| Cardio | N/A | N/A | 141 | 10m |
| Arnold Press | 12 | 80 | N/A | N/A |
| Arnold Press | 12 | 70 | N/A | N/A |
| Arnold Press | 12 | 70 | N/A | N/A |
| Arnold Press | 12 | 70 | N/A | N/A |
| Barbell Shrugs | 12 | 110 | N/A | N/A |
| Barbell Shrugs | 12 | 110 | N/A | N/A |
| Barbell Shrugs | 12 | 110 | N/A | N/A |
| Barbell Shrugs | 12 | 110 | N/A | N/A |
| Cardio | N/A | N/A | 141 | 10m |
| Lateral Raises | 12 | 35 | N/A | N/A |
| Lateral Raises | 12 | 35 | N/A | N/A |
| Lateral Raises | 12 | 35 | N/A | N/A |
| Front Raises | 12 | 35 | N/A | N/A |
| Front Raises | 12 | 35 | N/A | N/A |
| Front Raises | 12 | 35 | N/A | N/A |
| Rear Delt Flys | 12 | 75 | N/A | N/A |
| Rear Delt Flys | 12 | 75 | N/A | N/A |
| Rear Delt Flys | 12 | 75 | N/A | N/A |
| Cardio | N/A | N/A | 154 | 10m |
--- End code ---
Friday(Arm Day):
--- Code: ---| Exercise | Reps | Lbs | Cals | Time |
|-------------------------|------|-------|------|------|
| Barbell Curls | 10 | 80 | N/A | N/A |
| Barbell Curls | 10 | 80 | N/A | N/A |
| Barbell Curls | 10 | 80 | N/A | N/A |
| Skull Crushers | 10 | 60 | N/A | N/A |
| Skull Crushers | 10 | 60 | N/A | N/A |
| Skull Crushers | 10 | 60 | N/A | N/A |
| Cardio | N/A | N/A | 134 | 10m |
| Plank | N/A | N/A | N/A | 60s |
| Plank | N/A | N/A | N/A | 60s |
| Plank | N/A | N/A | N/A | 60s |
| Preacher Curls | 10 | 65 | N/A | N/A |
| Preacher Curls | 10 | 65 | N/A | N/A |
| Preacher Curls | 10 | 65 | N/A | N/A |
| French Curls | 10 | 55 | N/A | N/A |
| French Curls | 10 | 55 | N/A | N/A |
| French Curls | 10 | 55 | N/A | N/A |
| Cardio | N/A | N/A | 134 | 10m |
| Leg Raises | 12 | N/A | N/A | N/A |
| Leg Raises | 12 | N/A | N/A | N/A |
| Leg Raises | 12 | N/A | N/A | N/A |
| Hammer Curls | 10 | 55 | N/A | N/A |
| Hammer Curls | 10 | 55 | N/A | N/A |
| Hammer Curls | 10 | 55 | N/A | N/A |
| Tricep Rope Pull Downs | 10 | 47.5 | N/A | N/A |
| Tricep Rope Pull Downs | 10 | 47.5 | N/A | N/A |
| Tricep Rope Pull Downs | 10 | 47.5 | N/A | N/A |
| Cardio | N/A | N/A | 136 | 10m |
| Side Plank | N/A | N/A | N/A | 60s |
| Side Plank | N/A | N/A | N/A | 60s |
| Side Plank | N/A | N/A | N/A | 60s |
| Wrist Curls | 20 | 50 | N/A | N/A |
| Wrist Curls | 20 | 50 | N/A | N/A |
| Wrist Curls | 20 | 50 | N/A | N/A |
| Reverse Wrist Curls | 20 | 40 | N/A | N/A |
| Reverse Wrist Curls | 20 | 40 | N/A | N/A |
| Reverse Wrist Curls | 20 | 40 | N/A | N/A |
--- End code ---
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