Sunday, July 29, 2018

Slow Sunday

Here's the thing about getting paid on the last day of the month: the last few days leading up to that paycheck tend to be pretty lean. It's even worse when those days fall on a weekend, which is when most of my spending tends to happen. 

Needless to say, today has been slow and quiet, relaxing yet industrious. I planned to run this morning, but when I woke up a thunderstorm was raging outside. We've had the wettest summer on record, so I shouldn't have been surprised. Instead I worked on my novel and organized my desk and finished reading an excellent book I borrowed from from the library. Last week, a friend at work gave me a gallon of blueberries from her grandparents' yard, so I made oatmeal blueberry muffins to share with her, and blueberry crumb bars to share with Nathan. Our grocery budget was already at zero for the month, so I tried to salvage a few other things. I massaged a wilting bag of kale with lemon and garlic for tomorrow's lunch, threw some brown bananas into the freezer for smoothies, and cut up the rest of a watermelon. The chickens got the kale ribs and the watermelon rinds, the compost got the banana peels, I already ate a muffin and it was delicious. In an hour, I'm going to hit up a pay-what-you-can yoga class, and then meet my friend Kat for ice-cream, because there's always room in the budget for ice-cream. Later, I'll swing by another friends' bon voyage barbecue and hope it stops raining long enough to cry my goodbyes in their backyard. 

Despite the constraints of this day – thunderstorms, funds – it’s been a lovely day. Sometimes joy is easier to feel when your options are limited, when the choice is clear.

Wednesday, July 18, 2018

Less Like A Mess

I gave myself a deadline to finish a draft of my current novel by the end of summer. By "draft" I mean a thing that starts and ends, with a conflict that makes sense, a conclusion that surprises yet satisfies, language that sings. Something that looks less like a mess of scenes and more like an actual book. 

The summer is half over and I haven't made as much progress as I'd hoped. As it turns out, writing a book is hard. The characters don't listen, the plot unravels mid-sentence, and after three years I still can't figure out which point of view to use. (Currently: all of them. I told you it was a mess.) I also have a habit of reworking the first section until it shines, while the latter pages languish. Which means my first chapter is one of the best things I've ever written, but there's no scaffolding beneath it. I should probably fix that. 

Meanwhile, I've been cheating on my novel with shorter fiction. Earlier this summer, I was grateful to see two pieces find homes with dream journals - a reward for bad behavior, but I'll take it. 


"Material Remains," Flyway Journal

Our backyard was large and sprawling, cut off from the rest of the neighborhood by a tall white fence. For as long as we could remember, Dad mowed the lawn every Sunday and Mom grew sunflowers near the shed. But that spring, after the trouble started, we were the only ones who ventured past the sliding glass door.


"An Ocean This Big," Monkeybicycle

Raquel is not a marine biologist, but she can tell right away that the whale washed up on Bellhaven Beach is dying. It’s late winter and the wind gusts, cutting through her coat as she walks along the shore. 

Monday, July 16, 2018

Three Hundred Words

As usual, I've neglected this blog for weeks on end. It used to be that summer meant a break from drudgery - that I had fewer responsibilities and more time to fritter away in the sunshine. Then I became a grown up, and suddenly summer is busy, busy, busy. Longer days. More social activities. Seasonal chores like mowing the lawn, rinsing our swimsuits, and sweeping sand from every crevice. Summer is languid, seems to go on forever, but the days pass by all the same. I blink and it's half over, lost in a river of rosé.  


That's one side of the story, the one I post on Instagram. The other side is that the world's problems are part of this river, too, threatening daily to sweep us away. It's why I barely tweet, and instead spend my time scrolling through my feed, gasping at the latest horrors while feeling helpless and afraid. It's why I push myself to stay active with local politics, even though it's rarely glamorous - I need to do something tangible, and hashtags just don't cut it. I've yet to find the balance between listening and contributing, so mostly I just listen. 

But having a voice matters, too. Even if it's just a few minutes spent rambling on a blog hardly anyone reads, even if it's just crafting a few paragraphs to push into the void. So really, this is a long-winded way to say I would like to visit this space more often, and share the things I think about, big and small (but mostly small). I've missed you, and I hope you're well, and that together we can create something new. Something that doesn't quite fit anywhere, but makes us happy despite - or even because - of that simple yet inscrutable fact. 

Sunday, May 27, 2018

How to Get Started with YNAB

Last week marked a special anniversary in our household - we celebrated two years of budgeting bliss with YNAB. This is worth bragging about, because You Need a Budget is more than a app. It's a lifestyle and a way of thinking that completely transformed our finances.

Like a lot of people, I didn't have great mentors when it came to money or any kind of financial education. I still have a lot to learn (like investing, and mortgages, and how to retire before I'm 80) but these days, I can confidently say the day-to-day stuff is under control. We know exactly where every penny of our money is going, we plan ahead for upcoming expenses, we have zero credit card debt, and we live well below our means. These are all hard won victories, and YNAB was our not-so-secret weapon. 

I've sung YNAB's praises so often and to so many people that I have a ready-to-go introductory email I send to folks who are interested in learning more. Because I love spreading the budgeting love, I decided to publish that email as a blog post. Think of it as a love letter from me to your bank account, and may it lead to budgeting bliss for you, too. 


First things first: here's my referral link. We'll both get a free month if you use it to sign up, which is an excellent way to start your new financially-savvy life! 

Second things second: this app has a learning curve and some quirks. I've been using it since May 2016 and it took me a few weeks to really get the hang of it, but it's absolutely worth the initial effort. So don't give up, even if it frustrates the heck out of you! Pain is temporary, but debt is forever - unless you stick with YNAB. 

Finally, I'll be up front with you: this software is not free. After the 34-day trial, it costs $84 per year, which works out to less than $6.99 a month. I got two weeks into the trial, realized it would change my life, and immediately started a paid subscription. Worth every penny. (If you need more convincing, check out this guest post I wrote for the YNAB blog because I'm a huge dork.)

If you're brand new to YNAB, the two things that you need to know to get started are the power of embracing the YNAB mindset, and the magic of setting up your categories.

The YNAB Mindset

Why, yes. This is a custom illustration of me, made by YNAB, to accompany my guest post on their blog.

The basic idea behind YNAB (that's pronounced "why-nab" if you're cool, which you are) is that you decide what to do with your money BEFORE you spend it. This is key. YNAB's language is to "give every dollar a job," which is really just a glorified way of being intentional with your funds. How does this look in real life? Well, the second I deposit any money (IE, pay day, freelance checks, birthday cash) I figure out what those dollars need to do before I get paid again, which means assigning a category to every single cent. Rent, groceries, dog food, wine - it's all there, and it all gets a piece of the pie. 

Later, when I spend money, I log it and categorize it (for example, a trip to my beloved Trader Joe's counts toward "Groceries") and it automatically deducts that expense from both my overall balance and that category. You can do this using the smartphone app or on your desktop. Personally, I do most of my budgeting on my laptop and log transactions as I go on my phone. You can also import transactions directly from your bank account, like in Mint, but I prefer to do it manually. It makes me more aware of my cash flow and really just takes a few minutes a day to make sure my YNAB balance matches what's in the bank. 

Now, here's the part that everyone has trouble understanding: you only budget the money you currently have, not money you expect to get later. So even though I am salaried and could feasibly budget a whole year at once, I only budget my money as it hits my bank account, and not a moment sooner. Let's face it - life is wild, and anything can happen. When it comes to your finances, don't assume anything and work with what you have, when you have it.

How this mindset has changed my finances: In the past, I'd feel the desire to go out to dinner and would dutifully check my bank account balance because I was "responsible." I'd see some money there and think, great! Cash to burn! Then, a few days later, I'd realize that our annual car registration was due, or the dog had to go to the vet, or I needed to buy someone a wedding gift, and curse past-Chrissy, who had frittered away all her funds on tacos and beer.

Now, I almost never look at the balance in my checking account. Instead, I look at individual categories. I feel the desire to go out to dinner? Then I pull up my budget, glance at the "Dining Out" category, and see what I'm working with. If the car registration is due, no problem - I've been setting aside a few dollars every month, so the money is just sitting there, waiting to do its job. Life still throws us surprises, but they're no longer a daily occurrence. My balance has achieved balance.

Setting Up Your Categories

A screenshot of June's budget-to-be, with dollar amounts whited out because privacy.

So now you're thinking, "Categories, eh? How do those work, and why are they so magical?" Friend, I will tell you.

YNAB comes with pre-set categories for common expenses, like rent, utilities, Netflix, etc. Because we are each special and unique beings, you can and should customize these categories to suit your lifestyle and needs. I added ones for alcohol, Calvin, and donations, for example. You can also move money from one category to another as you go, which is why I joke that every now and then I have to borrow money from my dog.

This system works best if you keep your most important and inflexible categories, which YNAB call "Immediate Obligations" (like rent, electric, water) at the top, followed by "True Expenses" (groceries, gas, clothing), followed by "Just for Fun" (dining out, fun money, booze) at the bottom. This helps you prioritize, because you just kind of work your way down the list until you have no more money left to budget. (As you can see from the screenshot above, I renamed these "Monthly Bills," "Everyday Essentials," "Treat Yourself," "Future Funds," "Annual Expenses," and "Long Term Savings," because I love a good theme.) 

Also, if you need to adjust your budget, you know that you can transfer money from the "Just for Fun" categories pretty easily, but should probably stay away from the "Immediate Obligations." 

One of the best parts for me has been a category I created called "Future Funds." This is stuff I want to save for in the long term, like plane tickets, birthday gifts, or other big-ticket item. YNAB also encourages you to add your savings account (I have one, thanks to YNAB) and assign those dollars jobs, too. 

So, instead of having a $2,000 in savings just sitting there, you have $2,000 sitting there, but you have it assigned to categories, like $1000 to emergency fund, $500 to new car, $500 to collapse of society. Same account, just a different way of looking at it. Plus, when you tie a reason to pile of cash, you're less likely to spend it on something else.

How creating categories has changed my finances: Like everything else YNAB-related, setting up your categories is an exercise in intentionality. It forces you to examine what you spend money on, and decide whether it's worth creating a space for it in your budget. (Do my chickens have their own category? Yes, they do.) Categories are also a great way to make your goals seem real and possible. For example, I have a category in my Long Term Savings group called "Dream  Home," which I would like buy someday. I also have one called "40th Birthday Trip." It's empty right now, but every time I open my budget, I see it. I'm reminded of that goal. And soon I'll start funding it. One step at a time.

Budgeting vs. Spending

YNAB also has cool charts and graphs. That big spike is when I bought a car, mostly in cash. 

A quick note: it's important to remember that budgeting is not the same as spending. While you budget every dollar, you shouldn't spend every dollar. Ideally, anyway. Sometimes a dollar's job is to sit there for a very long time, in service of a long-term goal (like "Dream House") or for peace of mind ("Emergency Savings," anyone?).

YNAB is like learning a language - the best way to become fluent is to immerse yourself in it. So start your free trial, set up your categories, and start thinking about what you want out of life and how your budget can help you achieve those goals.

I've really just scratched the surface of YNAB, so here are two more resources to help you out as you begin your journey. These videos are great - I watched both of them (they're about 30 minutes each) while drinking a glass of wine, and that's when things really started to click (and why I now have a "Wine" category): 

Try it out and let me know what you think! Drink a glass of wine while you watch the videos! Become a financial rock star! I'm still working on that last step myself, but thanks to YNAB I feel like I'm on my way.

Thursday, May 17, 2018

Right Here, Right Now: Spring 2018

I have a lot of half-finished budget-friendly blog posts in my drafts folder - an intro to YNAB, a review of Republic Wireless, a chicken update, a mediation on the power of plans - but I don't feel like working on any of those today. I have 30 minutes before I need to get ready for work, it's a dark, wet day, and there's a full cup of coffee on my desk. In other words, the perfect morning for a little life update. So, in that spirit, here's what I'm currently up to. 


A lot of Jeopardy!, mostly. We've been watching consistently for about two years, and I'm getting better and better at the game. It's not so much about what you know, but more about what you know about Jeopardy!. Plus it feels better than "regular" TV, since it forces us to think a little bit. We don't always get a chance to watch it at 7:30 pm, but here's a hot tip - the Jeopardy! subreddit has a thread for each night's game, and in that thread a very kind soul posts a link to the episode, which he uploads to Google Drive, every single day. I'm not a religious person, but I'm pretty sure he's an angel. 


Protein, baby! I hopped on the macro train and spent a few days analyzing the balance of my diet, and guess what? It was about 90% carbs. After some trial and error and a few new habits, I was able to get that balance to a better place, and maybe it's psychosomatic, but I feel leaner, stronger, and more energetic, especially in the afternoons. I'm also spending a bit more on food, because as it turns out simple carbs are really cheap, but hey. Health comes first. 


Somehow, this has been the slowest year for reading yet. I've only finished eight books so far! To be fair, I started and abandoned multiple books, but still. Right now, I'm reading You Think It, I'll Say It by Curtis Sittenfeld, and I'm about to start What We Lose by Zinzi Clemmons, which is May's book club pick. My to-read list grows every longer, so hopefully these long and light summer days will offer more time for books! 


As always, I am working on my novel. As always, it's a slow, plodding affair, filled with starts and stops. Every time I have a breakthrough, it requires more work than I anticipated, but things are moving forward. In the meantime, I've cheated on the book a few times with shorter pieces, and one was published yesterday in Flyway Journal! It's called "Material Remains," and it's about two sisters, a family tragedy, and a very deep hole filled with strange and sinister things. I'd be honored if you checked it out. Also, if you like my writing and want more, I have a website with links to almost everything I've published. 


Too much! We still have a budget, of course - in fact, I celebrated my two-year YNABiversary over the weekend via a shopping spree at Costco (oops). Still, I've gotten in a bad habit of spending most of our money in the first half of the month - probably because we both get paid on the last day of the month. Once it's gone, however, it's gone. We don't pull from savings or move too much money around. We just suffer. So if you see me eating beans and riding my bike more during the last few days of May, that's why. 


Speaking of spending, we have a few trips coming up over the next few weeks, and I am very excited for them. One is a weekend on Long Island for my sister's baby shower (I'M GOING TO BE AN AUNT!!!) and the other is a trip to a mysterious location for my Texas BFF's 40th birthday. I say mysterious because we're still deciding where to go - stay tuned! I know I will. 

How About You? 

Tell me what you're watching, eating, reading, writing, spending, or planning right now. I'm super nosey and I'd love to add some new things to my list! 

* Amazon links are affiliate and I may earn a teeny tiny commission if you click them. Thanks!