Tuesday, December 10, 2013

Ways and Means: November

Well, all that excitement from a high achieving October went down the drain. I thought it would be the start of a few months with no excess spending but boy was I wrong. First, the big “winner” for this month was pre-ordained. Mel had moving costs coming in and that was way more than enough to insure that she would take November by a wide margin. Let me tell you, the broker’s fee that many New York apartments require is outrageous. What is this fee for you ask? Basically just for showing the apartment, getting it signed, etc. That fee can be either one month's rent, two month’s rent, or something in the ballpark of 12-15% of the total rent. For an apartment that costs, say, $2000 a month, that broker fee is $3600. That’s an extra $300 per month! Yes, that is why people in New York perk up anytime there is a no-broker fee around.

Anyway, between this and actual moving costs, Mel’s November was shot while George, AMR, and I were free to spend to our heart’s content with no worry that we’d win November. It made for a drama free month but I believe we all stuck to our budgets as close to possible anyway, as the true soul of Budget Club is saving money, not trying to win or lose. That's what they tell me anyway. With Mel's victory, we have all taken our turn at the top of Budget Club and now it'll be a clean race to see who wins for December...

For the month, I went 150% over my budget. How you ask? I mean, last month I declared that my bank account and budget were in lockstep. Well, two words: tax return. I received the almighty gift from the government and then promptly spent it all. That extra money was the only way I survived.

Basically I blasted through 200% for play, 215% on travel, 420% on household stuff (sounds high but the amount was initially set very low), 325% on taxis, and 200% on miscellaneous. That all sounds pretty dire but I am happy to report that I was only 120% on dining out and 80% on snacks, which means my food costs were more or less under control. Now if the rest of my life would just stay put, I'll be okay.

Heading into the final month of Budget Club, I'm excited to do an end-of-year wrap up. How much did I spend in my "richest year ever?" Also, is it time for me to get a credit card? Traditionally I'm awful when extended credit so I've been wary -- I'm sure the feeling is mutual. However, it seems like something I should do so I can make large purchases without automatically having my account depleted. Speaking of account depletion, I noticed that my bank has been charging me for under balance fees. That's all fair and good but c'mon, why exacerbate the problem? Who knows what a credit union is? Should I join one even though it seems like you'd need to be local to belong? Why were there no personal finance classes in high school? That seems like an oversight...

  • ATM Visits: Six, twice with fees
  • Dining out: Twenty eight times, high of $50, average of $21
  • Snacks: Fourteen, high of $8.50, average of $5.50
  • Cabs: Eleven, average of $15
  • Shopping: Fake glasses, one book, four iOS games
  • Play: Book club tea house, Smalls jazz club, three nights out, Haim concert tickets, four movies
  • Biggest Expenses: Flight to SD ($200), Amazon household stuff ($85), Home Depot items ($60), bar food and drinks ($50), Chinese food ($40)

Friday, November 15, 2013

Before Sundown

Because I love Stephen Elliot's Daily Rumpus, and since I've been wanting to test out Tiny Letter for the longest time, I'm prepping a personal newsletter of my very own! I have no idea what it'll be, maybe just mass emails posing as individual emails. Or the other way around. Either way, it won't quite be a blog because this blog is now dead -- except for a few entries finishing up the budgeting Ways and Means series. Farewell friends, farewell!


Sunday, November 10, 2013

Ways and Means: October

Here we are. I had to take a breath and take in this moment because after ten months of doing this budget club, I actually came in under budget. Yes. UNDER BUDGET. A celebration! Not only did AMR “win” his first month of Budget Club, it was neck and neck for George and I between who would spend less. In the end, I came in under by a magical $3.12.

I wish I could regale you stories of how I tightened my belt, found some magic way of not overspending, or read some great money guide to help me out but the reality of the sitation is much less exciting. When I came back from San Francisco near the end of September, I discovered after a little checkbook balancing that I was broke! Having the same amount of money in your budget as you have in your bank account is a fantastic way to not overspend. So basically, less money, less problems.

Whatever, I’m celebrating anyway. After a carefree September that saw me spend all I wanted, I slashed my budget hard in October. Every big category took a hit and my new monthly budget was almost $400 less than my previous one. So not only did I come under budget, I did it with a much lower budget overall.

Sure, I still spent 130% over on dining out, 135% on snacks, and 145% on playing, but since I didn’t go anywhere in October, only 10% of the travel budget was spent (a LIRR ticket to Queens), nothing was spent on household or gifts, and I basically bought no groceries. In fact, my sandwich diet went into full effect. So, one of the delis down the block from me is pretty well known as having amazing sandwiches. Eddie Huang even mentions it in his book, and Farmer in the Deli is top notch. For five bucks you get a huge sandwich with an incredible amount of meat. Sometimes I hear people in line exclaiming out loud at how much meat goes into the sandwich. Mary and I have had conversations about why this deli’s sandwiches are so much better. Fresh ingredients, big portions, perfect bread, that’s all it takes really. So basically I was on sandwich diet a lot, which saved a ton of money.

Unfortunately my taxi bill is somehow at 160%. That’s just six rides but I’m too old to not just jump in a cab when necessary. But now I’m tracking where the hell I’m going on these rides. Mostly it’s when I’m in a rush or in-between Brooklyn I think. I dunno, fifteen dollars or so to get home quickly is never a bad trade off I suppose.

Since July I’ve been tracking what I eat everyday as a separate calendar in Google Calendar. I think I mentioned it back then. Anyway, here’s my October food calendar. Take a close look at the last week. Basically in order to fit under my budget, I took that week of October off. From life. I ate at home, I didn’t go anywhere, I refused to re-up my Metrocard even, all to insure that AMR would outpace me and take the month. All my hard work paid off and now I’m not a Budget Club winner (again).

Also, since MoviePass ran out, I’ve been looking for a way to get a new one. Unfortunately, now I’d have to pony up a whole year’s subscription in advance, which is like $450. Without free movies to jump into, I’m a lost soul. I tracked how many movies I paid for this month and it’s clearly way worth it for me to get one when I have the wiggle room. Even though I paid for five movies, I did watch eight though, as I just hopped a few times to get value out of my single ticket. Living the dream people, living the dream. Anyway, now I’m officially at a broke stage where I can only spend as much as my budget — technically my budget is a few hundred over what I make actually, so that’ll be a problem. I’m predicting a banner November and December for Budget Club as I finish off the year strong, with my bank account at a nice round zero dollars... Note: this is the only month where my biggest expense wasn't in triple digits, and all top five expenses were on food! I guess that is a semi-victory.
  • ATM Visits: Six, once with fees
  • Dining out: Thirty one times, high of $50, average of $21
  • Snacks: Eighteen, high of $13, average of $7.50
  • Cabs: Six, average of $13
  • Shopping: Earrings, street trinkets, Kid Robot toy, X-Men comic book, iTunes app
  • Play: AAWW Pageturner, Bronx Zoo, comedy show, R-Bar, karoake, 90s R&B Singalong, five movies
  • Biggest expenses: Ramen ($50), Korean food ($45), Olea brunch ($44), Ippudo ($40), Thai food ($35)

Wednesday, October 23, 2013

Days Are Gone

Since being back in New York, I've just been trying to catch up to my online life. Mostly that has meant doing emails, slamming together a bajillion fantasy sports blogs, and trying to capture via documentation all the things that happened in September. For most of the month I was in San Francisco and if moblogs are the true measure of exciting things happening, then September was a banner month. I had fifty-five moblogs for the month, a huge number considering that I had just 169 for all of 2012. The last time I had over fifty entries was in June and December...of 2007.

The first thing I dropped into SF for was houseboating year two. It was a slightly different lineup, and this time we invested in both a bigger boat and one with a top deck jacuzzi. I had this whole theory about the inevitable decline each year of group trips, but this one was spectacular. Everything exciting about last year's trip was amplified and being a more experienced crew, we knew how to iron out all the kinks. It felt like two days was actually too short, as another day or two of relaxing would have been nice, but between the jumping, swimming, singing, dancing, flip cupping, and having funning, there was just no time.

Sidenote: I was horrific at flip cup -- in contrast to last year -- and I was equally inept at beer pong. It's been awhile since I've been so terrible at something that everyone made fun of me. I mean, I usually try to avoid those situations. The whole point of life is to not do things you'll suck at right? Or was it to not suck in the first place? Anyway, this time out even my buddy, a sweet sweet someone who won't be named, turned on me and berated me for my inadequacies. That's okay though, I understood. In the heat of competition, it's sink or swim and I definitely sunk (the whole team). Why was I so bad? I have no idea. But if there's a year three of houseboat, I'm coming for redemption. While there were many highlights of the trip, one of mine was everyone getting invested into doing the cup song thing from Pitch Perfect. I don't care if it's overdone, my greatest dream was to have it happen. And it did.

You know you wish you were there to learn it too.

Every weekend in SF was jam packed with stuff. In-between it was major laundry and recovery days. George had cleared out all the stuff in the front alcove where her desk usually sits. She announced that she wanted me to have all my stuff in there and that I should drag the tatami mat into the room to sleep. I refused, because it was too far from the action and not in front of the TV. I took to calling the room "the doghouse" and used it as a staging and storage area, but didn't cave in to her demands to be relegated to the time out room.

Also the first day I was back in SF, coming off the high of a beautiful warm weekend on a lake, I was all like, "I'm ready to move back!" A few hours later, stuck on the wrong bus down to the Mission, all the things I detested about San Francisco came rolling back. Of course, that was before AMR lent me his spare bike. Riding around New York all summer had been super fun but now it was an essential part of my transportation. Without a bike to zip me from George's to AMR's, I would not have survived.

For our birthdays, George had the brilliant idea to gather everyone up for a ride across the Golden Gate Bridge and we did exactly that. We got our little crew together, waited out the delay of me popping a tire not two minutes into our journey, and then had a perfect ride down to Sausalito for brunch. Actually, come to think of it, the only other time I did that ride was right around our thirtieth birthday, five years ago. I was once again in SF piggybacking off of George's birthday plans and for some reason we had rented bikes and done the exact same SF to Sausalito route. This time around, everyone had their own bikes and AMR, Victor, and DLMOU did the trip in fixies. From what I understand, that's an impressive feat. Click here for their recent joyride video. The West Coast riders club is getting big. (JMZ is already threatening to defect if I don't step up my game.) I even took a bike on the BART, and rode from Oakland to Berkeley with the quickness. Although my friend

To live in San Francisco would require like every mode of transportation possible. Walk, bus, bike, drive, board. The costs must be enormous. Also we/they started playing basketball in the Mission on Tuesday nights. There's a beautiful near empty court right on Valencia and it's lighted with glass backboards. I only got to stick around for two sessions but so far the enthusiasm has kept up and if it keeps going, it's my number one reason for re-visiting. I don't recall there being a time when we had enough people wanting to play sports altogether in SF. Next, next, I got next!

On weekend three, we drove forty minutes south to an YMCA campsite for our friend's wedding. I knew Camp We+Do was going to be incredible because Stef is just the type of person who would know exactly how to make a camp wedding be perfect. Back at Michigan, Stef was literally the coolest person on campus and it was intimidating just to talk to her. I remember when she left a super nice message on my web page's guest book back in the day -- yes, web page -- and it was like "Stef knows who I am!" Fast forward many years and I was gearing up to attend her wedding.

The whole thing was inevitably amazing. Each detail was perfect and when the saxophonist burst out of the tree stump squawking out Estelle's "American Boy," that was the capper. Best wedding ever status. I mean, the ceremony itself was already reaching Hall of Fame levels because two guitars strummed a few chords and then Stef's family started off singing "Edelweiss" as the whole crowd joined in right when Stef and Mike walked in. All of this happened under a canopy of lovely trees. I haven't been touched watching two people get married in awhile, but this one almost made me shed a tear. For some reason, half of our friends sitting next to us had no idea what was going on. "Why does everyone know the words to this song?! I'm so confused." A group viewing of The Sound of Music was clearly in order.

Also, shout out to the debut of AMR's handmade boomcases. We had them on the houseboat but at camp they were even more of a hit. Speakers in a vintage suitcase? I've never felt cooler holding luggage. Speaking of music, the second night of the wedding, we danced from like nine in the evening until three in the morning. No stops, barely any bathroom or cigarette breaks. The music was that good, and the freestyle saxophone guy was killing it. Stef and Mike found him playing during Pride and hired him for the wedding. It was an incredible touch. The whole atmosphere of that night was magical.

Having already hit up a summer camp earlier this year, I think it should be an annual must do event. Since there's no cell phone reception and no schedule, camp is just a glorious time to be free and to have fun. I highly recommend summer camp for all of life's ailments, especially if you're planning a wedding.

Last thing. During afternoon activities announcements, my friend said that they were looking to organize a Dirty Dancing flash mob. Needless to say, I could not have been more excited. Re-enacting Dirty Dancing at summer camp! That's the dream! Under the guise of a yoga class, a dedicated group of us got together and practiced an impromptu routine set to "(I've Had) The Time of My Life." It came off perfectly, complete with some leaping (off tables) and twirling. Ultimately I declined to actually perform because it was only the girls doing it, but I recorded some footage and boy did I make sure I knew the moves. My only regret is that JonG was laid low by allergies, otherwise he would have replicated the Patrick Swayze moves. I mean, during practice he got up off the bench and showed us the proper steps ("No no, that's wrong, it's this move...") and literally every girl swooned. Dirty Dancing man, whew.

Videos:

My original flight out had me leaving a few days before Jasmine's thirtieth birthday. Influenced by George's poor decision making, it was clearly the wrong move. George had told me that I should just leave SF after the wedding but it didn't take long for me to realize that it was just an attempt for her to rid herself of me. Jasmine's birthday weekend was going to include too many festivities to miss out on so I just bought another ticket back to New York while ditching my original non-refundable one.

Fantastic decision obviously, as it's not every day you get to attend a birthday roast and toast. It takes balls to put yourself in front of people and have them say mean (but hopefully nice) things to your face. Like one of the video roasts declared, "Cuz Jasmine has the biggest *bleep*!" Haha, the best.

There was more of course. Old friends, new friends, camp friends, lots of naps, movie nights, Hello Kitty karaokebirthday dinners cooked by top chefs, a lot of stuff. Fifty-five entries worth.

Tuesday, October 8, 2013

Ways and Means: September

Send in the clowns! I practically was right on the button with my budget this month, just a handful of a few hundred dollars over. That's success by any measure. I don't even want to analyze it, I did so well. But of course, I owe it to myself, and to all of you, and to all of humanity to document why I was able to barely bleed into the red for September.

Birthday money? Nope, nobody gave me birthday money. Ahem. Oh wait, I'm thirty five now. Old people don't get birthday money. Well, there was a small website job that contributed nicely to the bottom line. That probably allowed me to slip right under George's overage, winning her the crown for the month. So far the only "winners" of the Budget Club have been the two of us, that's probably not good. We should probably recruit some members who are real loose with their money and have no self control. Any volunteers?

I was only 130% over on dining out this month, and made it spent just about perfect on play and grocery. Yes, I did go high on travel, shopping, and taxis, but they were all for good causes. First, I was convinced to stick around San Francisco for an extra week to attend Jasmine's 30th birthday party. She had a roast and toast and obviously it was worth any price to stick around. So I ditched my prior ticket -- most airlines don't do refunds, or they charge a huge fee, lame -- and just got another one-way back to New York. So worth it.

And then I had to buy a Solid State Drive for my laptop. JMZ, AMR, and Victor sing the praises of a SSD swap so I had been waiting for this upgrade for awhile. The $180 was money well spent! And those taxi rides were mostly airport shuffling back and forth, plus a very necessary cab ride back from Sausalito after our birthday bike ride and the ferry was super crowded. See how necessary each overage was?


Of course, the dark side of this is that a likely reason I was able to stay near budget this month was because I was dealing with a lot of days that were already pre-paid. September had six days I couldn't spend any money, even if I wanted to. Three for the houseboat and three for a friend's camp wedding. Both were pre-paid for -- altho houseboat incurred expenses afterwards -- so they really helped cut down September spending. Now I know that the key to having a successful month is to just go on vacation where you're cut off from stores, technology, and food is provided for you.

I was a bit surprised that I dined out and snacked just as much in SF as I do here, but I guess that makes sense. You can't not eat right, and what do you do with friends besides meet up for dinner? Also, for a second I was in love with SF again, and ready to move back. Until I got on the buses and realized that to live in the city would require every mode of transportation: bus, car, bike, walk, Uber, skateboard, you name it. I borrowed AMR's bike the whole time I was there -- and got two flats -- and riding around was amazing but you really can't survive on just one mode of transportation in the Bay. I mean, you can of course, but convenience calls for having every mode of transportation at your disposal.

Three more months of tracking our budgets. Then what happens? Do celebrate with a big New Year's Eve party where we don't spend anything? What, what?
  • ATM Visits: Six, twice with fees
  • Dining out: Twenty seven times, high of $78, average of $29
  • Snacks: Fifteen, high of $16, average of $9
  • Cabs: Nine, average of $25
  • Shopping: Uniqlo shirt and tie, one bowtie, two T-shirts, one book, various jewelry, Solid State Drive
  • Play: Hello Kitty karaoke, a few drinks, two dance parties, one dance class, two movies
  • Biggest expenses: Houseboat expenses ($250), Solid State Drive ($185), flight to NY ($160), shabu dinner ($80), Sausalito taxi ($70)