Daily Entry: November 3rd, 2018

Today's log.

October Spending

Medical $1,974.12
Shared Expenses $1,677.24
Yearly Expenses (Thanksgiving) $1,126.80
Food $769.54
Just for Fun $444.50
Tools - Rosse $432.02
Debt Payments $350.00
Tucson Travel $193.25
Quality of Life Goals $74.87
Transportation $66.15
Income $7488.63
401k contribution $1930.00
Total Spending $7113.49
Net Gain $2305.14
Savings Rate 24.5%
Bank Minus Credit Cards $19,187.64
Vanguard Personal Account $19,448.19
Vanguard IRA (Rollover) $60,718.28
Vangurad Mixpanel 401K $14,569.70
Rincon ESOP $42,400.00
Betterment $12,949.92
Student Loan Debt -$10,899.17
Net Worth $158,374.56
Dollar increase from last review -$2,029.35
Percentage increase from last month -1.28%

Stock market continues to be on sale. Hence me losing $2k even though that's how much I managed to save. This month was a bit tough on my finances based on FIRE standards (based on normal standards saving almost a fourth of my income is quite an accomplishment). Also, thanks to increased 401k contributions, I'm taking advantage of these cheap stocks!

Medical costs outside my insurance also hurt a bit, but it should be significantly cheaper next month. Just the initial expense was the largest. It may also help on taxes. Also, I waited two whole extra days to buy plane tickets and they were $600 more expensive. That's almost another 7% of my income lost. Lesson learned.

Also, there will be no more significant travel expenses for the rest of the year. The wife and I are going to be a bit travelled out, too. Plus, we have plenty of card points for future travel. Should save a significant chunk of change for a while.

Empty Your Head

I don't quite have full data on this, yet, but it seems like my productivity spikes two times a year: once around spring and once around the end of summer. Further, summer is a time I can be pretty stable with a controllable sleep schedule. Winter feels like the time for sleep and forward drift (though I seem to have stabilized at waking up around 0900).

It'll be interesting to follow these patterns as my logging continues into the future.

Be Creative and Courageous

I didn't end up devoting any resources today to work on side projects of any kind. Not sure how I feel about that. To a certain extent it's disappointing, but reasonable. Feeling a bit under the weather and the fact that I got this far at all is pretty good, in all honesty. Also, the lazy bits today were much better than my usual choices. There was some YouTube and Twitter in there to be sure, but I also went ahead and read Thinking in Bets and played Delta Rune.

Now, my main goal was to do no reading this weekend to focus on the projects that I need to build momentum for, but better that I read actual books and play video games than do super passive stuff like watch YouTube and read Twitter. The book and the game didn't leave me feeling somewhat hollow, at least.

They in fact motivate me to be better.

And I may have some time tomorrow to make up for my distractions today.