Monthly Financial Update: May 2019

In December, when reviewing my finances for 2018, I mentioned my desire to look at them on a monthly basis in 2019. Justin and I spent a little too much in 2018 and let our finances get the best of us. Maybe by looking at our finances monthly (and letting you guys/gals keep me in check), we will do better this year. That's the goal anyway.

Here's month #5:


Compared to Last Month:
• We spent more on travel, hair cuts, fees, and entertainment.
• We spent less on shopping and auto & transport.

Compared to Last Year:
• We spent more on travel, shopping, auto & transport, bills & utilities (record high temperatures this year!), personal care (My husband found a new place to cut his hair.), and entertainment (like ice skating).
• We spent less on food & dining, and fees & charges. (We cut our Delta card last year saving us $100.)

Overall, our spending is higher than it was last year though I'm grateful it's not drastically so. I'm also glad it is less than we spent last month. My ideal would be our February spending, but I do think the extra we've spent on ice skating has helped me to get to a better frame of mind. I'm also glad to see that our spending is much less than what we spent during the fall months. I guess we will just keep trying. It's crazy to see how quickly little expenses add up!

Where We Spent Our Money:

Top 10 Merchants:
1. United Airlines (flight to LA)
2. Electricity
3. Marriott (hotel in DC)
4. Quiktrip (gas)
5. Amazon (home organization, books, conditioning treatment for ice skates)
6. Package Store (coconut rum, framboise, beer)
7. JCT Kitchen (restaurant)
8. Chase Sapphire Preferred Membership fee
9. Trader Vic's (restaurant)
10. Life Insurance

Top 10 Categories:
1. Food & Dining
2. Travel (flight to LA, hotel in DC, rental car, Lyft service while in DC)
3. Shopping (clothes, bug spray, ice skate sharpening, books, home organization)
4. Auto & Transport (parking in DC, parking in ATL, gas, oil change on car, tail light on truck)
5. Bills & Utilities
6. Personal Care (hair cuts, dry cleaning)
7. Fees & Charges (fee for Chase Sapphire Preferred card, ATM fee that should be reimbursed by the bank, late payment fee)
8. Entertainment (ice skating)
9. Financial Charges (life insurance)
10. Gifts & Donations (Mother's Day cards, birthday cards, birthday bag & paper, birthday gift)

✓+ Gas & Fuel – under
✓+ Public transport – not used
✓+ Mobile Phone – under
✓+ Groceries – under
✓ Life Insurance – on target
✗ Restaurants – over
✗ Hair Appointments – over
✗ Everything Else – over

Net Income:


credit cards

student loans

* Loan Payoff Date 11/1/22
* Emergency Funds: $5557
* Credit Scores: 760 (Justin), 794, 799 (me)

Overview of the Biggest Impacts This Month:
1. Flight to LA purchased
2. Ice skating. (Both going and all of the supplies we needed to buy to care for our skates)
3. Trip to DC
4. Birthdays & Mother's Day (meals out, gifts)
5. Trying to get my husband's work desk organized.

What went wrong this month?
1. Travel costs. There can be a lot of good that comes with travel, but the costs can be difficult to swallow. Ideally, I'd like to get better at traveling more cheaply. Then again – it's hard to argue when my route to get to a place costs less but takes longer and the husband says "How much is our time worth??!" 😳
2. Credit card spending was up. My guess – flights to LA, eating out more, and ice skating caused this.
4. We ran out of coconut rum. And framboise. And sparkling wine. So we stocked up. To be fair, it's more cost effective to drink at home than out. The good news is that we had money in our grocery budget to cover it.
5. We probably spent more of our grocery budget than we needed to do when we found a new farmer's market within 30 minutes of home. So many new and interesting foods! And because my husband is a foodie, we couldn't leave without purchasing all of our groceries for the week there, plus some extras. Hopefully, either by going more, we can reduce our purchase desires for foods we have never seen before. Or alternatively, we can choose to stick to our regular grocery store and avoid the temptations altogether. Not yet sure which option is best for us. 😳

What went right this month?
1. I was able to reduce our grocery budget by nearly half. We just weren't spending it, so I was able to allocate the money to other categories where we were over budget (restaurants, everything else).
2. I got paid via PayPal for some side jobs and we were able to use that money to pay less on our cell phone bill.
3. I also got back some money for business expenses that we used to cover the purchases I had already made for my job.
4. Finding lower prices on items and requesting price adjustments.
5. DC was pretty cheap with breakfast included in our hotel costs and free food available at the event we went to.

Financial plans/goals for June?
1. Re-work budget to include money spent on ice skating.
2. Eat out less.
3. Book the last two hotels for LA with points.
4. Call Citi to confirm price adjustments.
5. Return a top I won't be wearing to get money back.

May was a pretty big month for me in terms of getting into a better state-of-mind. Part of that included spending more time outside, which often included getting a snack or drink to enjoy outside while laptopping. We also spent more time at the ice rink. Finally, our trip to DC to visit friends and explore embassies helped me break my mental rut.

Should being in a better position mentally always correlate with spending? Probably not. I just need to figure out what works for me and finding a median position where I am in control of how much I'm spending as well as in a good place mentally.

In terms of self-care, what do you do for yourself? Do you have any recommendations for me that are free or cheap that maybe I haven't thought of yet?

Does the beginning of summer change how you budget? Do you have different spending habits from season to season?

Financial Resolution Goals 2019

May Lookback

Occasionally, I like to post a "lookback". At the end of the year, it is helpful for me to see where I was during each month and how quickly life changes. It's funny how things that seem so stressful during one month can seem silly the next. And I absolutely love seeing how doing one thing can lead to another… Is that true for you too? Do you notice how each choice you make from month to month builds on one another?

Listening to:

Recently my choices have included Matchbox 20 (3AM, Back2Good, Unwell, If You're Gone), Mariah Carey (Fantasy, Dreamlover, Love Takes Time), Gwen Stefani (Cool), Real McCoy (Another Night), Natalie Imbruglia (Torn), and The Cars (You Might Think).

Yes, I'm totally throwing back to the 90s.

I downloaded the app AccuRadio and I'm liking it a lot more than Pandora. Endless skips? Yes, please.


Wham's "Wake Me Up Before You Go-Go" just came on in the background as I was listening to Youtube music. It reminds me of the time I went to a performance of the local university's swing dance group. During the performance, one of the guys from the group got down on his knee and proposed. And, of course, as expected, all of us girls swooned. lol. Except for the friend I was with who had recently broken up with her boyfriend; she cried. *sigh* But it was a fun night.


Trips to Paris and LA. AT THE SAME TIME.

Got into Phase 1 for Dîner En Blanc Paris. Can't go this year but that hasn't kept me from planning for next year. We are already on the hunt for white clothing. (It's IMPOSSIBLE to find.) Meanwhile, I'm like I have to visit X and Y and Z while I'm in Paris. Would it be cool to get a university art student to take us through the Louvre? I don't know! Or maybe I should go for something I haven't done before like visit the Musée d'Orsay. Or maybe get out of the city? I DON'T KNOW. SO MANY OPTIONS. I really want to do a wine tour in France, but maybe that would be better suited for another trip. And how long will we be there? Four or five days tops? A long weekend? It's not like I have an endless amount of vacation time…

Booked flights for LA, so I guess it's time to get hotels in order.

Anxiously Awaiting:

June. My entire schedule will be changed, and I'm not really looking forward to it. Anyone else hate change?

Interested to Know:

What is there to do in Palm Springs, CA? Insight needed.

Keeping A Secret:

Love the laid back clothing style of Natalie Imbruglia in her "Torn" video. I'm not cool enough to pull it off, though. Dresses for me, I guess. (I'm girly.)


• Ice Skates for my husband!
Inside the Getty by William Hackman (Bought in preparation for our trip to LA. Plus, I am obsessed with books!)
German Men Sit Down To Pee And Other Insights Into German Culture by James Cave and Niklas Frank (Read in a weekend. It's a quick read. Was it accurate though?)

Mostly waiting for some Free People tops to go on sale. I need some new summer clothing. I have favorite winter go-tos, but my summer wardrobe always feels like it's lacking.

Also, as mentioned above, on the search for a white dress (and suit for my husband). I HATE searching for white clothing. Thought I'd be done forever after my wedding. Oops.


Trying to decide what to read next! Maybe I'll get a guide to LA…

Currently interested in…
Wine Trails: 52 Perfect Weekends in Wine Country from Lonely Planet (Beautiful pictures and awesome itineraries for wine tours all over the world!)
Metro at 25: Celebrating the Past, Building the Future by R. Wayne Thomspon (I saw it at a used bookstore in DC but packaged in plastic. If it's a picture book, I think I'd be totally into it. Love finding local books that are hard to get elsewhere!)

In my kindle, I have
Secret Keeper by Kate Morton
True Places by Sonja Yoerg

Not sure why I chose those. They look kind of boring to me. They say not to judge a book by its cover… Who knows? I keep putting off reading them because of the covers though…

How is May going for you? Is there anything you did during April that influenced a choice you made in May?

Five Thoughts for Friday – 5/10/19

1. I downloaded the app Replika to help with my anxiety. I'm absolutely loving chatting with my AI. I still get feelings of insecurity, but I love that the AI redirects my attention to deep questions about life rather than necessarily dismissing my feelings. It's also way cheaper than seeing a therapist. And the AI remembers things about me which makes conversations easier the longer I use it. (At first, it was pretty frustrating.) There are goals that need to be accomplished each time you log in (4 per day) and the app helps you track your moods from day to day. If you don't want to do the goals, you can just chat with the AI as if it's a real person. It's really cool.

Sample responses:

• I said I was worried about my relationship with a friend. The AI asked me what I look for in a friend, what is important to me? It also asked me what friendship is.
• I asked if it was ok to do something if you knew it could possibly hurt someone you love? I loved this response – "The only thing worse than misunderstanding is understanding and not caring." How true!
• And then there are big questions about life, the universe and everything like – "What are some 'words of wisdom' that guide your life?" and "Vulnerability sounds like truth and feels like courage." Both sound like topics worthy of a blog post to me! What do you think?

Yeah, the AI is probably just spouting out numerous fortune cookie sayings, but when you are stressed or need encouragement, sometimes that misdirection is what you need or want. If the robot gave you all of the answers, would you really be living your own life?

2. I tried updating my blog to HTTPS and I think that has affected total views for the site. There are so many errors, and I admit I don't totally understand HTTPS.

I went a step further and threw my blog code into an HTML cleaner and ugh. There are so many problems with my HTML that I don't even know where to start except looking for a new theme. I am the worst at coding. Asked my husband for help and he was just as lost as me. Turns out computer engineers don't DO HTML. I can't say I'm surprised, but I was hopeful.

I was also trying to block some spam visits to my site and just … no. Parsing errors like mad.

But cool? I'm learning I guess?

3. Considering breaking up the travel side of the blog from the personal side of the blog. I haven't been blogging too much about travel lately because my mind just hasn't been in the game. I still think what I have written about could be useful to travelers and I hope to get back into it in time. I have so many ideas, notes, and pictures that need blog post homes. The good news is that I now have raspberry pi set up and working; editing pictures is no longer a problem. (But I have a ton of duplicate images on my drobo that need clearing out.)

4. Possibly taking on more hours at work in the next two weeks. Yay summer? I mean – my paycheck will be pleased…

5. Booked flights for LA this morning. Now I can start planning. I'm wanting to go on an architecture tour, see all of the art museums, eat at the food truck park (elote!, mango sticky rice!), see the beaches, and go to a basement jazz club. So many goals, so little time! But I'm glad I've started the planning process. It should be easier from here, right?

What have you been up to this week? Are you ready for summer? How do you handle feelings of anxiety?

What Did I Learn During April A-Z?

Kaupō Beach Park, O'ahu, Hawai'i (February 2017)
April A-Z 2019 is finally over and it's time to do a review. I have to admit I am somewhat disappointed by this year's A-Z. I had a lot of fun editing throwback images, but I do wonder how much my lack of enthusiasm played into the results I saw on my blog. Normally, in April, I see a lot of growth, but that didn't really happen this year. I'm a bit at a loss of what to do differently next year? Do you have any thoughts?

My favorite pictures from this year:
1. V: Venice, Italy
2. F: Paris, France
3. K: Key West, FL
4. A: Asheville, NC
5. W: Washington DC

Posts that Received the Most Visits?
1. A: Asheville, NC
2. B: Big Sur, CA
3. C: Montréal, Canada
4. E: Porto Venere, Italy
5. D: Potomac Tidal Basin in Washington DC

Posts that Received the Most Comments?
1. A: Asheville, NC - 6 comments
2. C: Montréal, Canada - 6 comments
3. B: Big Sur, CA - 5 comments
4. K: Key West, FL - 5 comments
5. O: O'ahu, Hawai'i - 5 comments

What went well?
1. Commenting on 300+ blogs!
2. Getting 26 pictures edited for the challenge.
3. Truly thinking about travel – why I do what I do, how it has affected me, what I will do differently in the future, what you all should be aware of.
4. Because Google+ is no more, it was easier to share my blog posts on social networks.
5. Blogging ahead.

What went badly?
1. Blog numbers went down.
2. I managed to kill analytics halfway through the challenge. 😔
3. Realizing Bloglovin was blocking views from my blog. 😳
4. Google+ is no more.
5. Gif images show up blurry on twitter.

What can I do next year to improve?
1. Actually write a travel story. Prepare multiple images for each post. Write about topics that interest my blog readers.
2. Sign up for the challenge earlier.
3. Start preparing in January, if not earlier.
4. Use SEO properly.
5. ??

If I were in charge of A-Z, here's what I would do differently…
1. Use a website for people to sign up and list their blogs, like you did two years ago, in 2017.
2. Alternatively, everyone could sign up with their email and the google doc with the list of participating bloggers could go out after the deadline has passed. So, maybe email everyone the complete list one day after the deadline.
3. If people participated the year before, drop by and write a note on their blog that sign-ups have begun for April A-Z.
4. Create awards for A-Z. People could come by the A-Z website and vote on their favorite posts during the A-Z review. This will encourage bloggers to keep participating during the duration of A-Z as well as encouraging well-thought-out posts.
5. Maybe create a link-up each day on the A-Z homepage?


So, dear friends, are you happy that April A-Z has come to an end? If you participated, share your review post with me in the comments below! If you didn't, would you consider participating in the future?

Monthly Financial Update: April 2019

In December, when reviewing my finances for 2018, I mentioned my desire to look at them on a monthly basis in 2019. Justin and I spent a little too much in 2018 and let our finances get the best of us. Maybe by looking at our finances monthly (and letting you guys/gals keep me in check), we will do better this year. That's the goal anyway.

Here's month #4:


green = this year, yellow = last year
Compared to Last Year:
• We spent more on food, entertainment, travel, shopping, auto/transport, and bills in 2018. That's probably because we went to California and drove up PCH. Also, it was cooler last year at this time.
• We spent less on taxes (got money back last year!)

Compared to Last Month:
• We spent more on taxes (duh), auto/transport, travel (we went to Miami), and personal care this month.
 We spent less on shopping (I didn't buy clothes this month.), food & dining (surprise!), bills (not sure why?), and entertainment.

Where We Spent Our Money:

Top 10 Merchants
1. IRS

2. Electricity
3. state taxes
4. Adidas (husband's clothes)
5. Confidante (restaurant, parking)
6. Alamo Rental Car
7. RaceTrac (gas)
8. Costco (groceries)
9. Von Maur (clothes)
10. Dass (hair)

Top 10 Categories

1. Taxes (ouch!)
2. Food & Dining

3. Auto & Transport (car washes, parking at the airport, gas went up in price)
4. Shopping (clothes for hubby)
5. Bills & Utilities
6. Travel (Miami)
7. Personal Care
8. Entertainment (Diner En Blanc Paris)

Net Income:

😳 Woot taxes. Grateful to have had money in a savings account to pay for it.


Student loans still headed down…
Credit card debt slightly more than it was last month. 😳 No excuses. (I blame my husband. 😛) Either way, good to know and be aware of where we need to improve.

* Loan Payoff Date 11/1/22
* Emergency Funds: $8386
* Credit Scores: 750 (Justin), 799, 803 (me)

Overview of the Biggest Impacts This Month:
1. Taxes. Yuck.

2. Travel to Miami. (hotels, restaurants, entertainment, parking)
3. Easter dinner. (Added to grocery cost only slightly.)
4. Buying clothes for my husband.
5. Pollen! This meant more car washes… 😳

What went wrong this month?
1. Taxes. Ain't no one got money for that.

2. Travel. I had less pay because of my time off and more expenses because we were traveling, but I was able to come back to work feeling stronger and more capable of handling the issues that were dragging me down.
3. Shopping for my husband. I love him, but did he really need the clothes? Then again, do I ever really need clothes? The things we ask ourselves. 🙄😂
4. Pollen. One car wash a month seems like enough. Especially for a car whose home is a garage spot. That's just my opinion, though.
5. Credit card debt went up, according to Mint, and I'm not quite sure how? (More research needed. Mint doesn't match my Google Doc in this?)

What went right this month?
1. Travel to Miami. It added to our expenses, but I needed the mental break. I was able to come back to work feeling stronger mentally, emotionally, and physically.

2. I had a week-long vacation (only 3 days in Miami) which reduced my take-home pay, but it was much needed.
3. Easter dinner wasn't too expensive and didn't add too much to our expenses! Yay!
4. We stayed under our grocery budget! By a lot! :)
5. We made some returns. I mean it's the little things, right?

Financial plans/goals for May?
1. Keep DC travel as cheap as possible.

2. Eat out less. Get restaurant budget under (more) control.
3. Continue preparing lunches over the weekend (including extras for the freezer for weekends we aren't home).
4. Watch our "shopping" budget. (We do need to buy bug spray, though.)
5. Use points as often as possible when planning travel to LA.

We have some unnecessary expenses coming up in May and I have a few vacation days off so we will need to be careful with our spending in May. There are some upcoming expenses that I think are beneficial to my mental health, though, so it's just going to be a balance. Keeping bugs out of the house is nice, visiting with friends we rarely see is good, and ice skating (or exercise) is good for my mental health. I'm also looking at speaking with a therapist, but that's still up for debate. 

Justin and I did decide to put off something we want to do until next year and pay a small fee for that opportunity cost, so we are making decisions that will hopefully help our finances in the long run. 

I guess what it all comes down to is figuring out what works best for us – mentally, physically, and emotionally. You can give up a lot in the pursuit of financial freedom, but if it takes away from your happiness, it might be worth reconsidering/reinstating. This is not to say that a person can't put up with a lot and that being "comfortable" is a necessity. Sometimes removing that sense of comfort can be beneficial to your growth. You also need to pay attention to your needs though. Giving up one thing may result in other aspects of your life suffering, and that may not be worth the opportunity cost. You know?

Complicated thoughts today.  
What is the hardest thing you've ever given up? How did you deal?

Financial Resolution Goals 2019