Let’s talk out 2017 some more. I’m tempted to put the $6400 in the savings account over to the Betterment emergency fund, to maintain a decent cash reserve. That would put the Betterment fund at $11,400. They suggested $25k, but that was based on my income, not based on my spending. $11,400 should be adequate for 3 months of emergency fund ($3800/month). It would cost me $78 in interest to do this. Maybe less if I invest the money… but it’s volatile.
My friend suggested I just pay it off as fast as possible so I stop talking about it so much as fast as possible. I am sympathetic to this point of view. I would like to think about something else, and I know whatever is after this is probably more interesting.
Okay… something else I wanted to do. What kinds of money did I spend in the first 3 months of 2016? What might I be tempted to repeat?
X-Files: The Collector’s Set [Blu-ray]
The Legend of Zelda: Twilight Princess HD – Wii U
Xenoblade Chronicles X
2 of BIC America Venturi DV84 2-Way Tower Speaker, Black (Single)
Hurt Locker [Blu-ray]
Event Horizon (1997) [Blu-ray]
West Side Story (Three-Disc 50th Anniversary Blu-ray/DVD Combo in Blu-ray packaging)
Stephen King’s The Stand
WD Red 8TB NAS Hard Disk Drive – 5400 RPM Class SATA 6 Gb/s 128MB Cache 3.5 Inch – WD80EFZX
Ripstik Caster Board (Red)
Twin Peaks – The Entire Mystery [Blu-ray] [Region Free]
And then an android phone, a memory card, etc. for the Philippines trip, which is when the vacationing started and I really slowed down. What do we see here? Well, this is Amazon, so it’s stuff. And it’s mostly toys and escapism. The hard drive is to hold movies – more escapism. The speakers are to play sounds that come from games and movies. The X-Files… I still watch it on Netflix. So I probably bought that too early. I guess I should start watching it on Blu Ray :-P. Anyhow, if I avoid games, movies, and electronics, that should shut down most of my unproductive Amazon purchases. I’ll still purchase cat litter and protein powder.
Beyond Amazon, I know the most expensive stuff is travel for the summer and for Burning Man. Last year’s January was pretty damn responsible, with most of my money going for property tax and mortgage paydown.
Feb. had a Dave Ramsey book, a San Francisco trip (to see a friend off for NYC), a video game from Sony, the X-Files Blu rays. Not terrible.
3/9 and 3/15 are when my tax refunds came in 2016. March was Burning Man tix. Also paid $500 for yo-yos on eBay in March, and thousands in May/June. Yes, the stuff was rare. No, I can’t do it again this year. Good reminder for myself: stay the fuck off eBay. Delete the app from my phone. Doing that now [done]. Also, I need to unsubscribe from all my eBay mailing lists. In March I also put out $2000 to help other people potentially purchase BM tix (I was paid back later). I don’t need to do that in 2017.
April… I see $1599 for AppleOnline… but I have no clue what that was for. I don’t remember any device or anything I purchased… maybe it was something I canceled? There’s no way I would’ve missed a $1599 charge.
04/25 1,599.00 DEBIT CARD PURCHASE 042316 APL*APPLEONLINE 800-676-2775 CA
I’m thinking this is a macbook air I ordered and canceled. That would make the most sense. Weird… I don’t see the refund. Oh stupid me, this is probably the WWDC ticket my work reimbursed me for, so of course I wouldn’t see the refund. Okay… anyway… yeah April, May, June really everything just fell apart with me buying rare yo-yos and vacation spending. Total nerd orgy of spending. Can’t do that again. Okay… well nothing too shocking.
Note to self: buying toys didn’t solve the boring parts of 2016. So in 2017… play with your 2016 toys.