Net Update and General Update, February 2017

Hi! Yes, it’s been two months 🙂 I’m definitely not in a place where I think about my money every day, or even every week. Which I guess is kind of good? But after two months I wanted to drop in here with at least a quickie net worth update. Here’s where I’m at:

SAVINGS: $16273




Hey, excitement, I made it over $60K! Less excitement, I will very shortly be back below that due to paying rent and also paying for a car repair. It’s still “pending” in my credit card, so about $400 of that money in checking will disappear tomorrow when I pay that off. It’s my first test of the infinitely refreshing emergency fund concept. It does bother me a little to see my e-fund down around $3600 when it was just broke $4000 a couple weeks ago, but I think it’s still a good idea to just keep refilling it on schedule rather than scramble to get it back up to where it was ASAP.

I should also have a substantial freelance check, a little over $1000, arriving this month. The company has a really annoying new online system for paying out and it’s taking forever! But I don’t think it will be much longer; it’s already been over a month.

Generally, how are things going? Well, ok. I’ve been working really, really hard the last couple of weeks on the end of a big project at work and I turned in a not-quite-final draft of that earlier today. Still got a ways to go, but it was a big step. Speaking of work, I should have news on the job front pretty soon — but not today.

Politics…well. Sigh. I’ve been working on the resistance too. Although I had to back off the last couple of weeks and work on my work project instead of going to meetings constantly 🙂 I’m glad I’ll have a little more time for the next few months to do stuff in my community.

Net Worth Update, December 2016

I didn’t do one of these in November, due to my post-election lack of interest in money, and I just wrote a big spending analysis for the year. So rather than doing my normal monthly spending analysis, I’m just going to put the chart in comparing where I’m at right now (December 24) to where I was on October 31. Continue reading “Net Worth Update, December 2016”

Year-End Spending Roundup, 2016

Wow, hi, anyone still reading. Even by my low posting standards this year, this has been a long stretch. Honestly, after the election I kind of lost most of my interest in where my money was at, and also I’ve been really busy with various organizing and work activities.

But I have a few quiet moments now, and I figured I’d look at where I’d ended up this year. Still a few days to go, but I’ll be out of the country on New Year’s Eve so I’m doing this now!

First of all, yearly spending. Here’s last year’s post for comparison. I’ll drop a cut on this since it’ll get long. First, all the expenses; then, the analysis.

Continue reading “Year-End Spending Roundup, 2016”

Net Worth Update, October 2016

Well, it had to happen eventually! A bad month for the markets and a high month for spending combined to result in my first reported net worth decline in over two years. Let’s do the spending first:


woo! Basically, this is coming down to three categories: travel, slush, and clothing.

The slush really isn’t so great. I ate out more than usual, and bought more convenience/pre-prepared food than usual, as well as buying a few “things.” Not awesome.

Travel and clothing bother me less. The travel expenses are for three separate trips: two I took this month (one to California and one to Philadelphia) and one, to Cuba, that I’ve got planned for Christmas break. At this point, I’ve paid for plane ticket and lodging for that trip. Since these expenses together drained my travel sinking fund and then some, I’ll adjust that in various ways. I moved some extra unspent money into the travel category, and also plan to put my normally budgeted November travel money towards paying off this ‘deficit.’ That should leave me with my  normally budgeted December and January travel money to actually use on the trip.

Clothing was basically a giant order of winter stuff. I needed new boots, and also got some warm shirts and sweaters. Last year’s pants, fleece-lined leggings, etc ought to hold up at least another year, and I also decided to make do with the coat I already have. It doesn’t fit very well and it has a broken zipper, but I think I can deal for one more year at least. If I end up somewhere cold next year I’ll buy one then.

Everything else was pretty minor. But I need to figure out this slush spending thing, for sure.


Yikes! Most of that isn’t so bad, though — it’s really mostly market decline. I did withdraw $200 from the life fund to pay for some of those clothing costs, and the travel fund is down to almost nothing for the time being, but the three funds at the bottom really drove the low numbers this month. Even with contributing $670 to retirement I’m only showing a gain of $225 and the other two (which didn’t get contributions) lost money accordingly. The issue is mostly that because of the giant paycheck I got earlier this semester, my ongoing monthly income aside from that month just isn’t enough to make up for this level of market decline unless I’d had a super frugal month (which obviously I didn’t.) C’est la vie!

The Infinitely Refreshing Emergency Fund

Longtime readers of this blog will know that I’ve wrestled with the idea classic emergency fund pretty much since the beginning of my financial journey a few years back. First I wondered if I needed one at all, then I decided to save $5000 over the course of a year, and I did and bored myself to tears with the boring-ness of it all, then I put most of that into the stock market and started over again on the cash savings, then finally this year I decided to do the 52-week challenge and have been genuinely enjoying that. But I think I may finally have come up with a real solution to my psychological e-fund woes.

Continue reading “The Infinitely Refreshing Emergency Fund”

Net Worth Update: September 2016


Every now and then I really like to go look at my net worth graph in Mint. (For a long time I did this multiple times a day! Now it really is “every now and then,” maybe twice a month.) Here it is, beginning in May 2014, my last month with a negative net worth. I was still in debt, but was getting much closer than I had been to being out of it; I date my official debt-free point from December 2014.

I’ve never reported a net worth decline on the blog but there are a few here — mostly artifacts of having a lot on my credit card in certain months because of work expenses that hadn’t been reimbursed yet. Mostly what I see, though, is actual progress. Sometimes it’s slow and steady, sometimes there’s a huge uptick in one month due to an income and/or market quirk. But it feels pretty good to have come this far in less than 2.5 years.

For this month’s update see below! Continue reading “Net Worth Update: September 2016”

It’s finally fall

The weather hasn’t been great this summer. It’s been more humid than usual, leading to more mosquitoes and more sweaty days when I just wanted to lie around and do nothing, or, alternately, was really cranky, which is even worse than lazy. Also, we had an extended late summer, which has gotten to the point where I was almost tired of fresh tomatoes.

A few days ago, though, the weather finally turned, all at once. It is lovely. It’s raining right now, and I have wool socks on. The last few days have been cool and crisp and I’ve actually enjoyed the cardigan I had on, instead of sweating my way through the class I’m teaching. We pulled the tomato plants out yesterday to prep their bed for winter, and production of green tomato salsa and fermented green tomato pickles is underway. And the evenings are starting to close in, so we’ll have cozy nights. By March, I know, I’ll be wild for long summer evenings and shorts, but right now it’s great to be settling in for winter.

Significant chunks of change

So, my salary is restructured right now because I’m getting paid for most of my work through my normal job, and then they broke the teaching out because another department is paying for that. We weren’t sure how it was going to get structured, but it turns out the university decided to pay for the teaching in one lump sum. So my paycheck that I’m getting on Thursday is massive. After taxes and deductions, I’m taking home around $4000. (I may get some of that taxed money back in February, but I’m not worrying about that right now, just looking at the income I have tomorrow.)

Continue reading “Significant chunks of change”

So, how’s the fair-trade sugar thing going? (and tomato jam)

Back in April I wrote about how I’d decided to focus on less-refined and/or fair-trade sugar. Since then, I haven’t bought any non-fair-trade sugar — though I’ve certainly eaten some in baked goods purchased out, etc.

I think the experiment has been a rousing success so far. The extra cost hasn’t stopped me from doing anything, really; I bought a whole bunch of sugar back in April (including several more pounds of Alter Eco, which I think is my favorite of all the ones I tried, though they’re all good) and I’m nowhere close to finishing it. I haven’t baked a whole lot this summer but when I have, I’ve just used some of the unrefined sugar and it tastes wonderful, richer and more complex. I’ve also mostly switched to white whole wheat flour, instead of all-purpose, and that helps too. Everything just has a deeper flavor. I really like it. I made one batch of cookies with all-purpose earlier in the summer because I wanted a lighter color for aesthetic reasons and they were just more boring!

The one thing I haven’t been using the un- or less-refined sugar for is my extensive jam-making operation. I didn’t want all the jams to come out tasting like caramel, and I was worried about the colors, too. Maybe next summer I’ll experiment a little more; I made a tiny batch this afternoon (really tiny, I got just two quarter-pint jars out of it) out of scuppernong grapes that someone at the farmer’s market had, and the grapes are so fabulously wine-y and rich that I think some brown sugar undertones could work well there….

Anyway, instead I’ve been buying the vegan sugar from Whole Foods, which is fair-trade. (For some reason their regular non-vegan sugar is not.) (How, you will want to know, is normal sugar not vegan? Apparently there’s something called bone char involved in filtering it. I’m not a vegetarian so this doesn’t really bother me, but I do want the fair trade label, for all its complexities, so.) This is about as cheap as you can get fair-trade sugar — it’s $7 for 4 pounds — and it tastes, you know, like sugar, so that’s all good. (I am also slightly concerned, re jam making, that the less-refined sugars might be weirder to work with because they might melt/crystallize in unexpected ways. I need to do some research.)

My favorite new recipe this summer is from a book called Preserving by the Pint, which is by the woman who writes the foodinjars blog. I got this out of the library last summer and liked/used it so much that I bought it earlier this year. I’ve made a lot of stuff out of it and it’s all good (I like that the batches are small, so they don’t take much time, and the technique is really easy — no messing around with pectin or freezer tests or anything.) This recipe is one I didn’t try last summer and it is spectacular. I’ve been spreading it on toast (with or without a schmear of goat cheese) for lunch, and it would go really well with grilled chicken, I think. If you don’t want to bother with the canning, you can just use it right away (it’ll keep in the fridge for at least a week or two, probably longer.)

Orange Grape Tomato Jam with Smoked Paprika

(this can be easily doubled. As written, I got 5 1/4 pint jars (those are the smallest ones, which I like since I don’t take forever to go through them)

2 lbs/900 grams of orange grape or cherry tomatoes [You could do something like this with other kinds of tomatoes too, but orange tomatoes have lower acidity than red ones, so if you use a red variety, you might want to cut the vinegar.]

1.25 cups sugar

1/4 c lemon juice

2 tbsp apple cider vinegar

1.5 tsp salt

1.5 tsp red pepper flakes (or less to taste)

1 tsp fresh grated ginger (or 1/4 tsp ground dried ginger)

1 tsp smoked paprika

1/4 tsp cayenne (I skipped this, figuring the red pepper flakes would be plenty)

  1. Cut the tomatoes in half (if grape/cherry) or chop roughly (if large) and combine all ingredients in a wide skillet or pot. (The more surface area there is, the faster excess liquid will evaporate and therefore the faster the jam will cook.) Bring to a boil over medium heat and stir every few minutes until it’s jammy — maybe 30-45 minutes, though depending on how liquidy your tomatoes are it’ll vary. About halfway through, I used a potato masher to just mash everything up a bit, which I find creates a slightly more even texture and helps the jam firm up once it’s cooled down. You want a texture thick enough that you can drag a spoon along the bottom of the pot and the liquid doesn’t immediately rush to fill the spot. Be careful towards the end and turn the heat down/stir more often so it doesn’t scorch; you can leave it for longer stretches earlier in the cooking time.
  2. Meanwhile, in a separate pot, cover your jars with an inch or so of water and boil. (My water is hard, so I add a slug of white vinegar to the pot, which keeps the jars clear; otherwise I get a mineral residue settling on them, which is harmless but looks bad.)
  3. When the jam is ready, pour it into the jars, leaving a bit of room at the top for “headspace.” (A jar lifter and wide-mouthed canning funnel are extremely useful here, and only cost a few dollars, though it’s possible to manage without.) Wipe the rims of the jars to remove any stray bits of jam that might prevent a seal from forming, apply lids and rings, return the jars to the boiling water, and boil for 15 minutes. After you pull them out, they should all “ping” (that’s how you know the seal’s formed.) Let them rest on the counter overnight and, before you store them, remove the rings and check the seal (if you pick up the jar by the lid, and it doesn’t open, you’re in good shape.) If any jars haven’t formed a seal, you can put them in the fridge and eat normally over the next couple of weeks. Otherwise, store without the rings for up to a year and give to very lucky people for Christmas.

Net Worth Update: August 2016

Oh my gosh. Is it *really* that time again? I cannot believe the month is over. I took a short trip with my housemates, and spent a lot of time working really hard (teaching started last week; I only have one class, but it’s big and it’s taking up a lot of time). But I still feel like the month shouldn’t have gone by quite as fast as it did. Another one in the rear view mirror.

Here’s my spending for the month:

Screen Shot 2016-08-31 at 8.33.08 PM

Nothing too outrageous. The travel spending was expenses for the trip I took with my housemates to a music festival — basically I paid for a tank of gas ($20) and the rest was for food. We stayed with friends local to the festival, which was free, and I paid for my ticket months ago.

Slush spending was mostly at grocery stores, now that I look at it! And I bought some stamps. Medical was my share of having two fillings in my teeth (after insurance paid for part of them.) Clothing, a pair of sandals; professional expenses, membership in a professional association; and gifts, $100 to a gofundme for a friend whose husband was seriously injured in an accident. All basically pretty normal stuff.

Screen Shot 2016-08-31 at 8.33.34 PM

This is super boring! It’s a good thing I have my automatic retirement contributions because otherwise there’d be hardly any movement at all. The markets were essentially flat for the month; the increase in the EF is a little big because I moved September’s contribution over a few days early. My income is temporarily lower than usual because I don’t start getting paid for the class I’m teaching until September, so things are tight — I cash-flowed the month, but didn’t have much extra to put into savings. I’m glad I managed $100 into the life fund as well as the planned EF contribution, though. Anyway, I did have an increase, even if it’s not thrilling, and September will hopefully look better!