Timeblock
| Time (PDT) | Plan | Reality |
|---|---|---|
| 0000 | SLEEP | |
| 0030 | SLEEP | |
| 0100 | SLEEP | |
| 0130 | SLEEP | |
| 0200 | SLEEP | |
| 0230 | SLEEP | |
| 0300 | SLEEP | |
| 0330 | SLEEP | |
| 0400 | SLEEP | |
| 0430 | SLEEP | |
| 0500 | Morning routine | |
| 0530 | Coffee and rumination | TV: YouTube |
| 0600 | Coffee and YouTube | |
| 0630 | Pomodoro: Organization | |
| 0700 | Pomodoro: Planning | |
| 0730 | Wake up wife | |
| 0800 | Wife's day | Getting ready |
| 0830 | Wife's day | Bus to Sugarhouse bakery and coffee house |
| 0900 | Wife's day | Budget discussion |
| 0930 | Wife's day | Online budget errands |
| 1000 | Wife's day | Walking through sculpture park |
| 1030 | Wife's day | Walking through sculpture park |
| 1100 | Wife's day | Hanging out |
| 1130 | Wife's day | Hanging out |
| 1200 | Wife's day | Bus home |
| 1230 | Wife's day | NAP |
| 1300 | NAP | Lunch |
| 1330 | Wife's day | Movie: Aladdin (1992) |
| 1400 | Wife's day | Movie: Aladdin (1992) |
| 1430 | Wife's day | Movie: Aladdin (1992) |
| 1500 | Wife's day | Hanging out |
| 1530 | Wife's day | Hanging out |
| 1600 | Wife's day | YNAB setup |
| 1630 | Wife's day | YNAB setup |
| 1700 | Wife's day | Reading: Hold Me Tight |
| 1730 | Wife's day | Reading: Hold Me Tight |
| 1800 | Wife's day | Hanging out |
| 1830 | Wife's day | Hanging out |
| 1900 | Wife's day | Movie: Stephen King Grass movie |
| 1930 | Wife's day | Movie: Stephen King Grass movie |
| 2000 | Wife's day | Movie: Stephen King Grass movie |
| 2030 | Winding down | Movie: Stephen King Grass movie |
| 2100 | SLEEP | Trying to sleep |
| 2130 | SLEEP | |
| 2200 | SLEEP | |
| 2230 | SLEEP | |
| 2300 | SLEEP | |
| 2330 | SLEEP |
Thinking
The wife has been left out quite a bit these past two weeks. Today is fully hers, though I may get some personal discretion time. I'll try to update reality accurately tomorrow.
One explicit plan today is a budget date. Which makes yesterday's thinking quite valuable. I think the plan will be to slowly build up a buffer of half of what was spent into a category over the last year. Aka, basically have half a year's worth of funds based on actual spending, not ideal setups. Exceptions would be for known, predictable yearly expenses or eventual expenses, which should be paid off in full in anticipation. This includes but is not limited to:
- moving
- YNAB yearly fee
- Cronometer yearly fee
- what's left of the Invisalign payments
If we successfully manage to reduce spending in any give category, that'll slowly show progress over the year, and we can move excess funds to other locations (maybe even an index fund). This is super careful way of going about things.
However! The current stash of funds that don't live in an index fund needs to move to at least a 2% interest account. Meaning I need to downgrade my Chase account to allow a lower balance so that I can open up a betterment savings account.
I may do that right now.
This could lead to more than $300 extra interest per year, or $25 a month.