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Starting with a change of plans

Today I was supposed to go down to visit my grandparents since I had to work when the rest of the family had the Christmas get together. I wake up to a text from my grandmother saying that she caught some sort of bug. This saves me 2-2 hour drives today, but now I don’t have anything to do. Not having anything planned is dangerous for me. I tend to resort to sitting around eating, watching TV, and slowly thinking about what I could get from Amazon with 2 day shipping.

Today I got my car cleaned because it was filthy, and went to my chiropractor appointment. Forcing myself to go to the gym this afternoon, and see what I can declutter.

I think every week, I’ll post my net worth and weight as a tracker for how I am doing. I’ll also be creating a spreadsheet to track both, with graphs.

August 2022 Review

I write this several days late because my boss decided it was a good idea to shatter his wrist, so I have been out on gigs for the last 8 days and only have today to catch up with life.

I got the notification from my private loan servicer that my rates would go up. What they didn’t say it that they’d go from the lovely 4% they were at to just under 10%! So I am in the process of refinancing to a 5 year loan which actually will save me tons of money over the life of this loan.

One of the gigs I was working was a fair, that didn’t have catering. And I didn’t find that out until we got there, so I didn’t have access to healthy food. I was actually down 2 pounds this month, and then the fair hit. Hopefully with this next month I’ll be able to buckle down and keep getting leaner.

I realized this summer that my spending was getting away from me, so I have used the idea from Waffles on Wednesday, to make a Google Form to help me track my spending. I already see it working because I am thinking twice before buying the extra snacks, or stopping somewhere for a quick bite to eat.

August Food Spending: $746.46

Total Assets: $58,931.68
Total Liabilities: -$37,921.60
Net Worth: $21,010.08
Monthly Change:-$186.60
YTD change:-$10,412.25

Weight: 190.8lbs
Monthly Change:-0.2lbs
YTD Change:-7.2lbs

July 2022 Review

Just a day behind as I was out in the middle of nowhere Wisconsin working a gig. It was almost pre dial up speeds out there so trying to update all of my accounts and get access to my spreadsheet would have been a full time job yesterday.

This month I paid the last of my surgery off! Only to find out that I need to throw another $500 at my teeth because a cavity decided to join the party. I do have to say that I take really good care of my teeth, but genetics is winning the battle on this one. I got my mother’s teeth apparently, and on that side of the family our teeth are like swiss cheese and just love them some cavities.

Due to some lovely pops in my back I’ve focused on starting yoga and lifting less to see if I can let my hamstrings chill out. They’ve been so tight since the first time I threw my back out this year. I’ve also gone between working gigs that are extremely high energy to babysitting gits where I only get out of my chair to get food or because I’m incredibly bored.

Total Assets: $59,918.35
Total Liabilities: -$38,721.67
Net Worth: $21,196.68
Monthly Change:+$1,421.41
YTD change:-$10,225.65

Weight: 191.0lbs
Monthly Change:+0.8lbs
YTD Change:-7.0lbs

June 2022 Review

I know we aren’t technically in a recession right now, but it is starting to feel like it. My retirement portfolio went from $31,000 to $29,000 this month. I also had to pay minimums on all debt this month because I had to drop a little over $2,000 between repairs on my car (new tires, brake pads and rotors), chipped windshield, and new glasses (because they took a 20 foot fall while I was climbing in a truss). Usually I’m pretty consistent with going $2,000 over the minimums each month, but this month was somewhat out of my control. I hit something on the highway with 3 of my tires and blew out 2 of them, and I’ve had these tires 10,000 past the warranty, so they were due.

I have been noticing that my waistline is starting to decrease. I had to drop in a hole on my belt. Which is super exciting. I have been working my ass of this summer including a 19 hour, 35,000 step day last week. If I would just put in the effort to eat healthier, I’d probably be down 10 pounds this month. But the Elephant ear stand that was directly behind me this weekend is very persuasive.

My company went from a 6 figure loss last quarter to, from what I hear, was a massive jump in our second quarter. So I will be asking for a raise and not taking no for an answer.

Total Assets: $58,154.74
Total Liabilities: -$38,379.47
Net Worth: $19,775.27
Monthly Change:-$1,729.27
YTD change:-$11,647.06

Weight: 190.2lbs
Monthly Change:+0.2lbs
YTD Change:-7.8lbs

May 2022 Review

The market is still taking a ski trip down the hill. And I am more than happy to keep buying funds on sale. I have the task on todoist, to go through my spending over the last couple of months to see where I can cut back. I know there’s some subscriptions I can get rid of, and it is that time of year to call my Internet Service Provider and play the phone game of finding the best deal for me. It’s not a fun game, but I need to play it.

I’m finally starting to get back into working out since I had my surgery and then right as I’m given the all clear, I get knocked down with covid for 2 weeks. I’m glad that we were extra careful throughout the pandemic, even when people we know thought we were crazy, because I had a rough time being sick, I can’t imagine what that would have been like 2 years ago when people were being hospitalized consistently for covid. My taste and smell are back and I feel like I can breathe normally again. ANd now it is time to play catchup with my exercise. at the very least I’m striving to hit my 10k steps every day, and reaching for at least 3-4 workouts a week setting my goal for 5-6 soon. And once I feel caught up, I’ll be hitting up my trainer again. It just seems wasteful to go to the trainer to start over again.

Total Assets: $60,010.40
Total Liabilities: -$38,505.38
Net Worth: $21,505.38
Monthly Change:-$855.45
YTD change:-$9,917.31

Weight: 190lbs
Monthly Change:-1.5lbs
YTD Change:-8.0lbs

April 2022 Review

Market downturns and Medical bills all in the same month. Even with that, I was able to pay down my debt an extra $1,000. This month was kind of a blur because of how busy things have been.

My energy has been peaks and valleys because I’ll do a 12+ hour day doing shows, and then a day at the office and sitting on the couch because I’m sore from the day before. I’m working on trying to flatten those valleys and keep me from couch potato-ing.

Total Assets: $61,035.80
Total Liabilities: -$38,675.33
Net Worth: $22,360.47
Monthly Change:-$4950.67
YTD change:-$9,061.86

Weight: 191.5lbs
Monthly Change:-0.5lbs
YTD Change:-6.5lbs

March 2022 Review

So although it looks like I still made a positive move on my net worth this month, Next month is going to tank around $4,000. Hope fully less. I have to pay for the tonsillectomy I just had. I am extremely grateful for my employer and their kickass insurance. Without insurance this 15 minute procedure and 4ish hour hospital stay would have cost me well over $15,000! Also because of the recovery, at my lowest this month, I was down 12 pounds. I’ve gotten 4 of those back, and I’m working my hardest to keep them off and continue the downward trend.

I realized that I also had some laziness creep. I singed up for Peacock to watch the Olympics. Only $7.99! Well I didn’t cancel in time and got stuck with another month. So I have now cancelled and am definitely getting my eight bucks worth before the end of the next month.

Coming down the pipeline, I’m working on asking for another raise and will document the before, planning and result of my raise request.

Total Assets: $66,178.44
Total Liabilities: -$38,867.30
Net Worth: $27,311.14
Monthly Change:+$621.39
YTD change:-$4,111.19

Weight: 192.0lbs
Monthly Change:-8.0lbs
YTD Change:-6.0lbs

Sayonara Crypto

This week I finally liquidated all of my crypto assets. At the end of it all I put in $1,700 in purchases, and mined $50. I sold at a loss at $1,100. I had mostly Ravencoin (RVN), Cosmos (ATOM), and Algorand (ALGO).

As it turns out, I don’t have the fortitude to stomach the volatility. I started my Crypto Journey dollar cost averaging Ethereum to the amount of $500. That then grew to $1,000 and I pulled out and bought $100 of Cosmos and Algorand each. The rest went in Ravencoin. This was all in 2020. I doubled my money in 2020 alone.

Then in mid 2021, I started mining Ravencoin on my laptop which ended up getting me 500 coins until I shut down about a month ago. My laptop was getting me about $7/month until the coin halved, and then it was more of a nuisance to deal with as it bogged down my computer. And if I wanted any decent return, It needed to run 24/7 minus my commute.

I “bought the dips” a couple times, and those dips were not the bottom. So My $1,700 in brought me to this week.

If I would have gotten into mining before the pandemic hit and been able to make a decent rig, it could have been a profitable endeavor. But I think I jumped on the bandwagon too late and was there when the tide went out with my pants down.

I definitely see the use of Crypto. Especially when it comes to having to pay someone internationally and not having to pay extreme fees. Or have an easier way to transfer money between each other. But now with systems like Venmo, and Cash app, I’m starting to see the second reason a little less.

When I look at investing, I personally want something that I can see how it makes a return. A lot of these coins are a get quick rich scheme for those that get in early or create the coin. I like my boring stocks, and real estate. They are usually predictable and are tangible.

In the short term, I basically used crypto as a forced savings account. It got me excited to see a massive dip and hope that the $100 bucks I threw at it double one day, and then return the next. But even crypto can’t be truly regulation free. The second the government realizes that they can get a cut of the profits, it’ll settle down to be mostly stable and utility coins. Meme coins are going to dry up the second that regulations hit.

At least I have $1,100 to throw at debt and get that much closer to Financial Freedom.

Things I learned from my Tonsillectomy

On Match 15th, I finally evicted my tonsils. This was 3 years in the making. I was talking to my ENT the week before the world shut down and all “elective” surgeries were cancelled. I was warned that it would be much worse as an adult, and boy was that right.

I started having tonsillitis a couple of times a year, and tonsil stones at least 3 times a week. For those of you that have never heard of tonsil stones, aka tonsilloliths, are calcified food, puss, or dead skin cells that build up in the crevices of tonsils, and although they are soft, they feel like a chip lodged in your throat. About a month ago, I was getting them daily and had a couple of them that were stuck.

It amazes me that in my 5 hours in the hospital for this procedure, it was only about 20 minutes of actual time under the knife. Luckily, I don’t have that bad of a reaction to anesthesia, but the healing process is and has been awful.

I tend to be very talkative, and I can’t handle more than a couple of sentences before I need Ice chips or cold water to help the pain. I also am a “can’t sit still” kind of person, and being stuck in my apartment, eating soft foods, and not being allowed to lift more than 20 pounds, I. Am. Going. Crazy.

My job only has so much that I can do from home, and that was done by day 3 of recovery. I’m now on day 7. I have done my taxes, watched through half of Bob’s Burgers, Worked on my will, and played some video games. The biggest problem is that I’m on my own for the majority of the day, as I am self sufficient after my surgery. My wife only had to miss the day of my surgery.

Some of the positives I have had so far in this journey are:
– I didn’t need heavy pain killers (I was worried about that)
– I am a pro at making jello
– I’ve gotten a lot of deskwork done that I normally wouldn’t have gotten to
– I haven’t had any tonsil stones
– I’ve lost 9 pounds since the surgery

From what I’ve read, and heard, I am either half or a third of the way through the recovery process. I’m hoping I only have 1 week left. Especially since every day, I have felt better, and better.

If you would have asked me if it was worth getting done a couple of days ago, I would have said no, as I couldn’t sleep because I was so uncomfortable. But I can’t wait until the days that I don’t have daily throat pain.

February 2022 Review

I kept getting knocked down this month. We had to bury my Aunt, and now Her father, My Grandfather passed away 2 days ago. He was in Hospice for almost a week. And I let it get the best of me. I stopped paying attention to what I was eating. I didn’t feel like cooking so I ate out a ton, spending much more than I should have. It is a big reminder how much my mental state can change my entire world. Spending, eating went up, physical activity went down.

I also am getting my tonsils out, as a 29 year old, which apparently is not fun as an adult) which is going to end up costing me a decent chunk of change. My wife had an MRI and might need surgery on her skull and brain stem, as well as another surgery on her ear.

The only positive is that we’ll probably reach both of our deductibles by the end of March, so it looks like its time to get everything done this year. I’m extremely grateful for my employer’s plan. We just meet the HDHP requirements so I can have an HSA, and they are super flexible with recovery time and other needed time off. However, 1-2 weeks of not being able to lift much and other restrictions might make me go crazy. So if anyone has any ideas for hobbies that I can have while sitting on the couch that don’t cost a ton, hit me up!

Next month will be better. With being laid up for a bit, I’ll be spending a lot less on fuel, and food, especially with a liquid diet for the first couple of days. I’m going to be best friends with my blender. Once I’m healed up, I plan on going back to the trainer, as I had to postpone my sessions because I stupidly threw out my back and then my shoulder. I will lose weight, I will save money, and I will get better mentally. I will.

Total Assets: $65,864.26
Total Liabilities: -$39,174.51
Net Worth: $26,689.75
Monthly Change:-$1,237.51
YTD change:-$4,732.58

Weight: 200.0lbs
Monthly Change:+3.2lbs
YTD Change:+2.0lbs

January 2021

Anyone following the stock market knows that it’s been slightly down in the last month. Which is no cause to panic. However, I ended up not trusting that my auto debit for my student loans would go through (just set it up a couple of weeks ago because new provider), so to be safe, I made a second payment on those this month. I found one of my creeping issues with my credit card. I had a couple of subscriptions, and store apps connected to that card, which isn’t helping my pay down progress. I have now switched to my debit card so I can better track my spending and get that card paid down. All plans for a house are on hold until I get my financial house in order. I’m on the fence about when to pull out some of my taxable investments to pay off a good chunk of my debt. Hopefully soon.

I have to attribute my weight loss this month to my eating. I threw my back out, like super bad. I twisted and tried lifting a 100lb truss and felt a shock from my lower back all the way down to my toes. No major damage done, but It kept me in bed for a couple of days and I’m still mildly feeling it 3 weeks later. If I’m not 100% soon, I’ll be doing physical therapy.

Total Assets: $67,382.32
Total Liabilities: -$39,410.16
Net Worth: $27,972.16
Monthly Change:-$3,495.07
YTD change:-$3,495.07

Weight: 196.8lbs
Monthly Change:-1.2lbs
YTD Change:-1.2lbs