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Happy New Year!! It's that time of year again...money pie time!! As you know, each year I recap my spending throughout the year as a percentage. I think this is a great way to see where the money is all going so that I can make smarter decisions with my money in the future years. You can find previous year's posts here: 2014, 2015.
Groceries/Dining Out: Once again, these are almost the same! This year some friends and I went out to a nice meal once a month and we took turns paying. This equates to about once every four months me spending way too much on dinner. However, it is a lot of fun, but it's not helping my "dining out" budget.
Misc: This includes personal care, toiletries, gifts and donations, credit card fees and things like that. The bulk of it is gifts. The other things are minor.
Health: This includes pre-tax deductions and any copay or charge for contact lenses etc.
Entertainment: This includes movies, baseball games, and running related (or other hobbies) expenses. This year, most of it went to race fees. I probably should shift some of my "travel" over to this category, but once again, I am too lazy to really sort it out that thoroughly.
Shopping: This category included clothing, toiletries and items from Target that were not home or running related. This year I bought a couple of pairs of work shoes and some things from REI which could be in the entertainment category...and that is pretty much it.
So, what did I learn from this? This year I definitely spent more that last year, although a lot of that extra cost was due to my purchase of a car. However, excluding the transportation category, the biggest increases over last year belonged to the Entertainment (53%), Health (33%) and Home (26%) categories. This makes sense, as I signed up for more big ticket races, my insurance premium went up, and I was in my house for a whole year vs. 7 months last year. On the flip side, I also saved more this year, so I am pretty happy with that, as my goal from the beginning of this year was to save more if I could.
What do I want to accomplish this year? This year I hope to do a bit of deeper analysis and develop a plan regarding getting the best bang for my buck. For example, does it make more financial sense to put my money into savings or use it to pay off my mortgage quicker. I have most of the information I need; now it is time to execute! In addition, once again I would like to save more this year than I saved last year. I would like to say I could minimize the Home category, but in reality, there is always a backyard project or a broken pipe or a random thing that goes bump in the night. So, that's it!
Do you keep track of your spending habits? What is the biggest piece of your money pie? What are your financial goals this year?
As always, I did not include any savings in this chart. This is not technically "spending" although I do track it and it is part of my yearly financial plan.
Home: This category includes mortgage, utilities, taxes and insurance, as well as other misc items, such as appliances and other crap that comes with owing a home. However, the bulk (about 86%) of it is mortgage, taxes and insurance, with the others trailing way behind. Also, anything I buy on Amazon, I categorize as "home" as I am too lazy to figure out what it was I actually bought. It is probably a mix between shopping, home and entertainment in actuality.
Transportation: This year I bought a car. As you can see from the pie, it affected the transportation category greatly! In addition, I still spent money commuting (BART) and definitely drove more, as a friend and I started a weekly run meet up after work and I took advantage of nice summer days to get the heck out of dodge as much as possible, including a road trip to Oregon and Kings Canyon.
Travel: Speaking of Oregon and Kings Canyon, once again, my indulgent category was travel. Funny enough though, I actually spent less this year than last, or my calculation methods could be inconsistent. Either way, I had a great time traveling abroad as well as to several U.S. destinations and many local weekend trips.
Groceries/Dining Out: Once again, these are almost the same! This year some friends and I went out to a nice meal once a month and we took turns paying. This equates to about once every four months me spending way too much on dinner. However, it is a lot of fun, but it's not helping my "dining out" budget.
Misc: This includes personal care, toiletries, gifts and donations, credit card fees and things like that. The bulk of it is gifts. The other things are minor.
Health: This includes pre-tax deductions and any copay or charge for contact lenses etc.
Entertainment: This includes movies, baseball games, and running related (or other hobbies) expenses. This year, most of it went to race fees. I probably should shift some of my "travel" over to this category, but once again, I am too lazy to really sort it out that thoroughly.
Shopping: This category included clothing, toiletries and items from Target that were not home or running related. This year I bought a couple of pairs of work shoes and some things from REI which could be in the entertainment category...and that is pretty much it.
So, what did I learn from this? This year I definitely spent more that last year, although a lot of that extra cost was due to my purchase of a car. However, excluding the transportation category, the biggest increases over last year belonged to the Entertainment (53%), Health (33%) and Home (26%) categories. This makes sense, as I signed up for more big ticket races, my insurance premium went up, and I was in my house for a whole year vs. 7 months last year. On the flip side, I also saved more this year, so I am pretty happy with that, as my goal from the beginning of this year was to save more if I could.
What do I want to accomplish this year? This year I hope to do a bit of deeper analysis and develop a plan regarding getting the best bang for my buck. For example, does it make more financial sense to put my money into savings or use it to pay off my mortgage quicker. I have most of the information I need; now it is time to execute! In addition, once again I would like to save more this year than I saved last year. I would like to say I could minimize the Home category, but in reality, there is always a backyard project or a broken pipe or a random thing that goes bump in the night. So, that's it!
Do you keep track of your spending habits? What is the biggest piece of your money pie? What are your financial goals this year?
At the beginning of this year, I set a few goals for myself. Unfortunately, I did not do a very good job of sticking to them this time! Last year, out of about 10, I completed or partially completed 8 of them. This year, well...you shall see! I found that this year I focused more on a few specific things in my life and a lot of the other little things went by the wayside.
1. Run a 100 mile race. As much as I hate to say this yet again, this was one goal that I Did Not Complete. I signed up for the Silverheels 100 mile race in Colorado, where the course was from 10,000 feet to 12,500 feet. I got about 60 miles into it before I finally threw in the towel. This was after a lot of nausea and a very difficult time keeping food down, hence very little energy overall. However, I learned from my time in Colorado, and I am ready to try this goal again!!
7. Try new things: Partially Complete. (1) Visit 12 places that I have never been before. DONE (2) Learn one new recipe a week. Did Not Do. (3) Try 6 new things. DONE (ate Polish food, went cycling in New York city, walked over a huge frozen lake, went to a jug band party, carried chairs down the streets of Brooklyn, ate at a three Michelin star restaurant [and many more!]).
1. Run a 100 mile race. As much as I hate to say this yet again, this was one goal that I Did Not Complete. I signed up for the Silverheels 100 mile race in Colorado, where the course was from 10,000 feet to 12,500 feet. I got about 60 miles into it before I finally threw in the towel. This was after a lot of nausea and a very difficult time keeping food down, hence very little energy overall. However, I learned from my time in Colorado, and I am ready to try this goal again!!
2. Run 2,000 miles / climb 250,000 ft elevation: Completed. Last year I ran about 1,800 miles and climbed about 250,000 feet, but my goal was to train smarter than last year, because last year I got injured, which put a damper on my running. Happily, I ran approximately 2,230 miles this year and according to Strava, I climbed 413,000 feet. I will take this with a grain of salt, as my weekly running partner did about 300,000 feet. However, I probably got about 100,000 feet more than him just by hiking in the Alps. So I will call it something between 300,000 - 400,000 feet. Total win.
3. Read 52 books. Completed. This year I read 72 books. I also did the Book Riot Read Harder challenge, which I will probably not do again next year. I found it fun to try new things but felt pressure to complete the categories and guilt if I read something that did not "count toward something". See this post for my favorites of 2016!
4. Read 12 books from my own shelves. Did Not Complete. I ended up reading 3 books from my own shelves and throwing all three away. It's not great, but if I was a baseball player, I would have a better batting average than most pitchers.
5. Ride my bike to work 2 times per week: Did Not Complete. According to Strava, I biked 134 miles for a total of 57 rides or 2.35 miles per ride. Before you say that it's not so bad because that's still over 1x per week, let me remind you that a "ride" to me is to AND from the BART station, which would be about 4 miles each day. So I probably rode to work 28 times, which is an average of about once every two weeks.
6. Practice my Spanish: Did Not Complete. My goal was to talk to a friend for at least 5 minutes once a week, and to study and learn at least 100 new words per week. This is a goal that I didn't really even try to make happen. My running husband is from Mexico and he would happily talk to me in Spanish, but I didn't even try. Total fail.
7. Try new things: Partially Complete. (1) Visit 12 places that I have never been before. DONE (2) Learn one new recipe a week. Did Not Do. (3) Try 6 new things. DONE (ate Polish food, went cycling in New York city, walked over a huge frozen lake, went to a jug band party, carried chairs down the streets of Brooklyn, ate at a three Michelin star restaurant [and many more!]).
8. Spend less than I spent last year: Did Not Complete. This year, although I did not buy a house, I did buy a car and so my transportation category is way inflated over last year. In addition, paying all the household bills myself rather than splitting them like I did for part of the year last year probably increased the "bill" portion of my "home" category by at least twice as much. I will be posting my annual 2016 money pie very soon and will give a breakdown of how much each category increased/decreased from last year.
As you can see, out of the eight goals I posted, I only completed two and partially completed one. Next year I will have to think about where I could improve upon achieving my goals. I think my biggest downfall this year is lack of planning, which is not normal for me! But, in the words of good old Benny F., "If you fail to plan, you plan to fail." So true. First goal of 2017: be more structured in my planning! (Side note: If you haven't listened to this episode of Freakonomics about productivity, you should do it now!)
In case you think that I am a totally negative Nellie, fear not! I have a lot of things that I am proud of from this year! I installed a ceiling fan in my room, I did a ton of work in the backyard, I did a huge purge and Goodwill run (and got rid of a ton of books etc. in the process), I had a new 100k PR and beat my old 50 mile time for one difficult race (in the snow no less), I spent a lot of good times with my friends and family and I traveled to some fabulous places! However, those items are not as easy to quantify, but all in all, I would say it was a successful year.
Did you make goals in 2016? Which ones were difficult for you to obtain? Do you fail to plan or are you good at seeing things through? Did you have a successful year?
Wow, this year has really flown by and it's time again for the best of the best lists! I enjoy looking back at other people's prior year's lists as well as my own and seeing how things went in years past. So I can't pass it up this year and am looking forward to checking out everyone else's posts. As much as I love all lists, the best of lists for books are probably my favorites.
This year I read 71 books and I gave five of them five stars on Goodreads. They were:
Winter of the World by Ken Follett: This is book two in the Century Trilogy. The first is about WWI, the second takes the characters through WWII. He does a great job of introducing characters from different walks of life which gives you a lot of insight into what different sides and countries were going through during the war. I am looking forward to reading the third set of the series, although these books are a bit long, so I have to space them out a little!
The Storyteller by Jodi Picoult: This was a great story of a girl working at a bakery who befriends an old man, who ends up being a former Nazi SS officer. To make it even worse, the girl's grandmother was a Holocaust survivor. This book was recommended to me years ago by Lisa and I am glad that I finally took her up on her suggestion!
A Darker Shade of Magic by V.E. Schwab: The first book in the Shades of Magic trilogy, this is a great step away from reality. The story takes you to several variations of London, some good, some bad, and is full of magic, kingdoms, good, evil and adventure. The characters are likable and the second book in the series is also a lot of fun as well!
Lilac Girls by Martha Hall Kelly: Set in WWII, this is a story about three different girls, a doctor from Germany who ends up working at Ravensbruck, a Polish girl who ends up imprisoned in Ravensbruck and an American socialite who ends up entangled in the mix. I learned a lot about the horrors that happen in the camps that I hadn't really known much about before.
In addition to these, some of my other favorites were: Aristotle and Dante Discovery the Secrets of the Universe, Circling the Sun, Between the World and Me, Ready Player One, Homegoing and Lots of Candles, Plenty of Cake. See other 4 star recommendations here.
I also participated in the Book Riot Read Harder challenge, which encourages people to try new types of books. I did not finish the list of 24 categories, but I had a lot of fun exploring new categories! Below is my list. Yellow are the ones I did not complete.
1 A horror book - The Terror
This year I read 71 books and I gave five of them five stars on Goodreads. They were:
Winter of the World by Ken Follett: This is book two in the Century Trilogy. The first is about WWI, the second takes the characters through WWII. He does a great job of introducing characters from different walks of life which gives you a lot of insight into what different sides and countries were going through during the war. I am looking forward to reading the third set of the series, although these books are a bit long, so I have to space them out a little!
The Storyteller by Jodi Picoult: This was a great story of a girl working at a bakery who befriends an old man, who ends up being a former Nazi SS officer. To make it even worse, the girl's grandmother was a Holocaust survivor. This book was recommended to me years ago by Lisa and I am glad that I finally took her up on her suggestion!
A Darker Shade of Magic by V.E. Schwab: The first book in the Shades of Magic trilogy, this is a great step away from reality. The story takes you to several variations of London, some good, some bad, and is full of magic, kingdoms, good, evil and adventure. The characters are likable and the second book in the series is also a lot of fun as well!
Lilac Girls by Martha Hall Kelly: Set in WWII, this is a story about three different girls, a doctor from Germany who ends up working at Ravensbruck, a Polish girl who ends up imprisoned in Ravensbruck and an American socialite who ends up entangled in the mix. I learned a lot about the horrors that happen in the camps that I hadn't really known much about before.
In addition to these, some of my other favorites were: Aristotle and Dante Discovery the Secrets of the Universe, Circling the Sun, Between the World and Me, Ready Player One, Homegoing and Lots of Candles, Plenty of Cake. See other 4 star recommendations here.
I also participated in the Book Riot Read Harder challenge, which encourages people to try new types of books. I did not finish the list of 24 categories, but I had a lot of fun exploring new categories! Below is my list. Yellow are the ones I did not complete.
1 A horror book - The Terror
2 A nonfiction book about science
3 A collection of essays - A Manual for Cleaning Women
4 Read a book out loud to someone
5 A middle grade novel - Finding Someplace
6 A biography
7 A dystopian or post-apocalyptic novel - Ready Player One
8 A book originally published in the decade you were born
9 Listen to an audiobook that has won an Audie Award - Euphoria
10 A book over 500 pages long - The Lake House
11 A book under 100 pages long - Holy the Firm
12 A book by or about a person that identifies as transgender
13 A book that is set in the Middle East - Prisoner of Tehrah
14 A book that is by an author from Southeast Asia
15 A book of historical fiction set before 1900 - The Taming of the Queen
16 The first book in a series by a person of color - Blanche on the Lam
17 A non-superhero comic that debuted in the last three years
18 A book that was adapted into a movie, then watch the movie
19 A nonfiction book about feminism or dealing with feminist themes - Spinster
20 A book about religion - 1000 Lashes
21 A book about politics, in your country or another
22 A food memoir - Cleaved
23 A play - Death of a Salesman
24 A book with a main character that has a mental illness - Tender Points
How was your year of reading? What was your favorite book of 2016? Did you participate in any reading challenges this year?