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2018 Planning

November 1st, 2017 at 08:57 am

I've been crazily busy. The pay for the side gig is pitiful, but I'm learning a whole lot and I can use down time during regular work day to work on it with full support of the boss, so it's like I'm getting a bonus for a bit more work load.

Anyway, I don't keep track of monthly finance anymore, only an annual estimate of my expenses. So here's an estimate for 2018, with zero bonus and a 2% raise.

Ask and ye shall get

July 31st, 2017 at 08:07 pm

Or in my case, do nothing...? Today, I managed to land a side gig in the oddest situation, have my boss offered it to me.

Turned out owner's daughter is starting a business and since daddy already has a fully staffed business with all the necessary departments, she thought to make use of it. There are just a few problems. First, we follow a different set of rules where all expenses are heavily scrutinized regardless of how immaterial they are. So no help there.

Second, after consulting with our VP and a couple of managers she threw up her hands and do not want to talk to them any longer because the subject just went right over her head.

The owner ended up recommending me to set up her books for her, on the side, with pay, and left it up to the VP to persuade me to do it by pushing the idea of how it would be a great jump start to having my own business someday.

So yeah, a very, very odd day.

A 401k adventure

July 24th, 2017 at 03:29 pm

For the financial voyeurs out there Stick Out Tongue I was comparing year to year returns and thought this looks interesting.

2012 - Salary was 34k at the time and contribution was about 10%. I bought my house around July, so it was a stretch to save this much. For all that effort, the return was pathetic.

2013 - Getting a little better

2014 - Ouch

2015 - OMG WTF.....

2016 - Recovery, whewww!

2017 - So far so good

And that's that. Nothing really exciting, but the final numbers are nice to look at.

Long break

July 23rd, 2017 at 12:56 pm

It'd been a while. I'm surprise there are still page views on here Smile

Let see, a bit of update on finance. Still hanging on at my job. Since the last job scare, I was promoted to a senior position, lol, with an increase in salary to 54k and flex work hours. I've moved from the lowest paid to the second lowest paid, while being among the most valuable. Ah well, good thing money isn't everything to me.

The downturn is real and if there is no turnaround in the next 6 months to a year, there will definitely be cuts in my department. I'm in a pretty good position, staying or going, so this doesn't really faze me.

Networth is a bit higher expected due to skyhigh stock market and real estate appreciation.

Home equity - 115
Investments - 170

Not bad at 35, no? I did have to move my retirement marker from 46 with 600k and a paid off home, to 50 with anywhere from 600k to 1M and a paid off home.

Also managed to increase my 401k contribution to 30%. Add in the bonus I got a couple months ago, I should be able to max my 401k this year. Yay!

June Review

July 27th, 2015 at 05:47 pm

Gah! This pic is awful.

1. Cut 401k contribution from the second half of the month. If everything goes well, I could always fund the Traditional IRA next year.

2. ISP didn't charge until next month

Data Leak & Gone Mobile

July 27th, 2015 at 06:31 am

I had to close a number of CC recently due to fraudulent charges. I still haven't been able to pinpoint the source of the data leak and luckily, they were caught the moment they occurred. But this is worrisome enough that I went and close off some of the unused CC lying around. This also meant that my plan to transfer my balance to the Slate card was scrapped.

On the technology front, I finally decided to be one of those late adopter and got myself a tablet. My dad has been nagging at me for months to upgrade my laptop, so he could give my old one to a poor relative, and I finally had enough and gave in. One of the reasons that prevented me from getting a tablet before was the productivity factor. But with a robust app market, why I don't go with Amazon or Microsoft, a tablet is a lot more convenient than a laptop. The only down side so far is the software that I used to keep track of my income/expense. In the app market, it didn't have the features I wanted.

Edit: I need to write more often. My english is deteriorating at an alarming rate.

May Review

June 13th, 2015 at 09:11 am

This has been an ugly month with lots of expenses and problems.


I'm still eating one meal a day and while that has resulted in less inflammation, better skin, steady energy and weight loss, it has also increased my clothes expenditure. Most of my clothes are now too baggy to wear. Also, WO wash is not only time and labor intensive, it's also expensive.


First, my car got rear ended and after I generously let the other party go, they turned around and file against me. Then the battery died on me. On top of this, I couldn't even take public transportation due to the various appointments, many of which were canceled, to resolve the issue. Also, I couldn't believe that the police would go to the commuter parking lots to inspect cars and issue tickets.

Trickier than expected

June 11th, 2015 at 02:06 pm

So this networking thing is a lot trickier than I expected. In order to not burn some very important bridges as well as secure good references, I'm going to have to stay put until the axe falls. So for now, I'm focusing on more volunteer work, sprucing up my resume and possibly getting a second part time job.

April Review

May 3rd, 2015 at 11:12 am

Found out that FSA transit is not a use it or lose it type and it'll continue to rollover until termination. That means I have an extra $650 for public transportation that I thought was lost from a couple years ago. I'm going to try and see if I could skip refilling gas this month.


April 26th, 2015 at 09:54 am

I overhead HR talking the other day and while no name was mentioned, there was plenty of work description as well as she's untouchable thrown in. The work description happened to match what I'm doing. Business has been going down and it doesn't look like it'll improve so I've been thinking about looking around. This is certainly an incentive. Btw, I'm supposed to be the most vulnerable being a Junior with only 3 years of experience. However, I've made myself indispensable by not only doing the work of the Senior, but also exceeded the work of my Supervisor as well as taking over crucial areas of other departments. Still, if the cuts are coming, it's bound to happen sooner or later.

Full bloom

April 13th, 2015 at 07:18 pm

Went flower viewing.

It was an extremely long walk.

March Recap

April 10th, 2015 at 04:31 am

New recurring expense category, but I can't call it an expense.

Fell into OMAD

March 10th, 2015 at 08:27 pm

I recently attempted a 3 days fast in order to reset my immune system. Sadly, my stomach protested a bit too loudly and I ended up giving in to it by the end of the day. This process repeated several more times, so I decided to shelve the fast for the moment. The one meal a day schedule I've inadvertently been on felt wonderful though, and saved me a ton of time. I think I'll continue this for now and see where it goes.

Was it always this gross?

March 2nd, 2015 at 08:17 pm

Picked up some KFC chicken today because I was hungry, lazy, ran out of food, etc... and now I'm consider dumping the entire bucket. I don't ever remember it tasted this bad. Granted, it has been more than a decade since I last ate anything other than hot wings from there, but still. Bleh! I don't think it's a matter of my palate being used to whole food. Junk food used to taste good after a long stretch of home cooked meals. I don't think a lot of the junk food now a day could even be called food anymore. It certainly doesn't taste like it.

February Review

February 28th, 2015 at 12:28 pm

My ISP didn't charge this month. Strange.

Recently discovered Cinderella of Boston. While the quality is meh, I'm still ecstatic at finally finding shoes that fit.

A couple of firsts

February 21st, 2015 at 02:10 pm

First Milestone

Solidly in the six digits

First Fraudulent Charge

When I applied for cash back CCs a few months ago, one arrived with flimsy packaging that has a large tear. I thought it was just the USPS mishandling it, but kept a lookout just the same and there it was. You may want to keep an eye out for charges from Spotify, especially if you don't use their service.