KonMari Clothing

27 Jan

The KonMari (Marie Kondo) craze has come back into popularity at just the right time for me.  I started this method several years ago when The Life Changing Magic of Tidying came out, but I never finished it.  I continued folding my clothing in the KonMari style (unless I was too lazy and they sat in the laundry basket until I was ready to fold them).  Either way, my drawers have been nice and folded for years.

I decided to start completely over with the clothing category, which is the first category of belongings you are supposed to sort through.  Clothing is supposed to be easy to determine what sparks joy.  What I have learned is that I don’t really have many clothes that actually spark joy for me.  That being said, I’m also doing a shopping ban this year which means I will not be replacing my wardrobe unless I have to.  I was able to pick out things I like better than others and getting rid of things I hadn’t worn in years was relatively easy.

Here’s what I started with

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It’s crazy to see everything there on a queen size bed.  How can I possibly have had that many clothes when I feel like I never have anything to wear?  Part of what you see are my work clothes.  Those definitely do not spark joy but I can’t get rid of them either.

I was able to get rid of 44% of what you see on the bed.  Those 173 items are all being donated to a local thrift shop.

Which means I kept 56%

I think I still kept too much, but I also still feel like I have nothing to wear.  One thing I noticed is that I have kept sweatshirts that used to bring me joy but now actually make me sad.  I have a collection of sports related shirts and sweatshirts that I got after a friend of mine was killed.  I wore them to remember him and at first that felt like a good thing.  Now it just feels sad.  Wearing a neon yellow and green shirt isn’t going to bring him back and I definitely don’t need those items to remember him.  I think when I am done with my shopping ban I want to buy some long flannel shirts to go over my t-shirts instead and get rid of a lot of my sweatshirts.

Another thing I’ve learned about myself is that I could wear grey, all shades of grey….maybe even 50 shades of grey, for the rest of my life.  Grey and bright colors are by far my favorite, everything else I would gladly get rid of.

I reorganized what I ended up keeping and got everything all folded and put away nice, once again.  There’s a lot of room in most of my drawers now…except for the sweatshirts drawer.  I’d love it if I wasn’t always freezing cold no matter what the temperature is.

I don’t think I’ve ever had less items hanging in my closet (the entire right side is work stuff).  Nor have I owned less shoes than this since before I was 16 and worked at a shoe store.  Fun fact, at one point I owned more than 100 pairs of shoes.

In a perfect world I would own a lot less clothing.  I have a feeling I will get rid of even more in the coming year.

My 2018 Spending

12 Jan

I’ve been meaning to get around to this post for a while now, but since it’s still January I think it’s relevant.  I’m going to go over the percentages of my income that I spent, saved, and invested in 2018 and which categories I spent my money on.

In case you haven’t read my recent post titled Shopping Ban 2019 I’ve decided to only purchase essentials in 2019.  One of my major impulse buy categories has been yarn, knitting patterns, and other crafty items because they bring me so much joy.  My goal in 2019 is not to have impulse buys on anything, but especially on craft supplies…but more on that in a later post.  Go back and read about my 2019 shopping ban for more.

I have a post called How I Track My Spending which is how I’m easily about to compile these numbers and data.  I love the app and the insights it gives me.

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Ok, now for the nitty gritty! Here’s where I spent my money in 2018 (in percentages):

  • Mortgage 23.52%
  • Savings 13.57%
  • Extra House Payments (all to the principle) 7.36%
  • Independent Investments 7.36%
  • Vacation 6.79%
  • Eating Out 5.14%
  • Groceries 4.4%
  • Yarn 2.87%
  • Gifts 2.42%
  • Phone 2.2%
  • Water Bill 2.18%
  • Dogs 2.14%
  • Beachbody/Fitness 2.14%
  • Spinning 1.64%
  • Fuel 1.58%
  • Home 1.45%
  • Internet 1.2%
  • Miscellaneous Shopping 1.18%
  • Car Insurance 1.17%
  • Car Maintenance 1.1%
  • Cash Withdrawals 1.08%
  • Medications 0.96%
  • Knitting Patterns & Supplies (not yarn) 0.86%
  • Work 0.79%
  • Natural Gas 0.77%
  • Craft Supplies (other than knitting) 0.75%
  • Clothes 0.72%
  • Electricity 0.69%
  • Beauty 0.55%
  • Tax Preparations 0.51%
  • Entertainment 0.5%
  • Books 0.13%
  • Contacts 0.07%
  • Coffee 0.07%
  • Chiropractor 0.05%
  • Netflix 0.04%
  • Life Insurance 0.02
  • PrepDish (meal planning service) 0.02%
  • Fitbit 0.01%

Looking at my percentages overall I am pretty happy with mosts things, but I know I can do better going forward.

When I look at the yarn, spinning fiber, spinning wheel, knitting patterns, and all the other crafty things I bought in 2018 it adds up to 6.12% of my income for the year.  That is slightly less money than our 10 day vacation to an all-inclusive resort in Mexico cost.  I’m not saying I won’t buy knitting and crafting supplies in the future, but I know I definitely want to use up a lot of what I already have and plan my purchases to be much more intentional.  I keep reminding myself that there will always be pretty yarn, and I do not NEED all the pretty yarn.

With my clothing being less than 1% of my income you can believe me when I say I do not like shopping for clothes AT ALL!  Never-the-less, I actually do have to wear clothes.

One of the biggest areas I hope to see a drastic change in for 2019 is my eating out budget going WAY down.  We have already been using PrepDish (a meal planning service) since September 2018.  I was able to pay for a full year upfront and will probably continue to reuse this years meal plans into the future, meaning it will be a one-time expense.  Eating more vegetables and healthy foods cooked at home, knowing exactly what goes into everything, has really made me feel so much better about what I’m eating.  I do still love a good meal out though.

Most importantly I want my savings, investments, and extra house payment percentages to all go up this year!  This girls got goals!

What are you guys doing to reach your goals?  Did you track your spending in 2018?  If you haven’t started tracking your spending yet, I highly encourage you do so.  If you haven’t started tracking yet we’re still early enough in the new year to start now (it’s really never too late to start).  You might just be amazed when you realize where the majority of your money is going each month.

Shopping Ban 2019

13 Dec

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I finally took the plunge and made the official announcement on my social media pages, specifically Instagram and Facebook…and now here of course.  My belongings have really been weighing on me lately.  It seems like my four bedroom house with a two car garage isn’t big enough for the two people and three dogs living here and I can’t figure out why that is.  I have way too much stuff!

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I’ve been thinking about reducing my spending, reducing belongings and clutter, and doing a shopping ban ever since I read Cait Flanders book The Year of Less.  I feel like this lifestyle fits into the fact that I really want to be able to start saving and investing a lot more money than I have been.  I really got a late start on planning for retirement and I feel so far behind.  I know I do not want to work for the rest of my life.

I feel like my thoughts on exactly what the shopping ban means for me are scattered and not as exact as they probably should be, but this is where I’m at right now.

This doesn’t mean I won’t still buy things. Food and other essentials are ok. Anything that breaks and is a necessity is ok.  Anything I find myself needing day after day that I can’t find a different solution for can be purchased.

Along with this I want to get rid of stuff too. My life feels overwhelmed with stuff at the moment.  I want to get rid of clothes.  I wish I could get rid of my work clothes because I don’t really like them, but I don’t like dressing up in anything so just changing the clothing wouldn’t make a difference.  I just don’t feel like me in anything other than jeans, t-shirts, and sweatshirts.  I’m a simple girl.  I think I’m going to try an experiment of putting away a lot of clothes I currently have in my wardrobe (closet and dressers) and if I don’t go for any of those other items in a year then I will get rid of them.  I gained 40 pounds in four years and in 2018 I’ve lost about 20 of those pounds so I have clothing in lots of different sizes.  This alone makes me nervous to get rid of too much right off the bat.  This is also why I have accumulated a lot of crap…because most of it doesn’t fit anymore.

I have been blessed to have been given a body and mind capable of working hard. It is so easy to change up your lifestyle with every pay raise, resulting in really no raise at all.  A raise should mean I have more money leftover at the end of the month, not less.

I’m going to keep splitting my leftover cash each month three ways: 1/3rd to savings, 1/3rd to investments, and 1/3rd towards the principal of my mortgage.  I’ve been doing this for at least a year now and I really like how it works out.  I keep thinking that one my savings account gets to a certain number (I’m not sure what that number should be) that I will again take a lump sum of $10,000 and invest it straight away in one shot.  I did this the first time I opened my Vanguard account and I really like seeing that huge jump in numbers.  It’s super scary, especially because the last time it was my first time every doing something like that.  But almost three years later I still have money (more than I put in) in the account so I must be doing something right.

As far as my crafting, that is still going to be huge in my life. I’m going to finish projects I know I have yarn for. I’m going to use up what I have before I buy more. If I’m out of sweater quantities of yarn and I’m ready to cast on I will purchase only what I need for the intended sweater/garment. I will not mindlessly buy patterns, I will wait until I’m ready to make that item. I’ve bought so many I thought I needed but now know I’ll probably never make.

I have already drafted up what the crafting world calls my Make Nine for 2019.  I have all the yarn I need to make all nine of these projects and they are going to be the main focus of my knitting in 2019.  As you can see, I should come out at the end of the year with a lot more sweaters I can wear!  I’m always cold so this is a big win for me.

The sweaters, in order from left to right and top to bottom are Pavement, Breathing Space, The Weekender, Parisian Dreams, Radiate, Antler Sweater, Exploration Station, Humulus, and The Doodler.

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I want to hike and enjoy the outdoors more. I want to be present in my relationship more.

I know there are more goals I have currently, and I’m sure as I go through this process I will discover new ones too.

I’m excited, nervous, scared, confident, and calm.  I have no idea how one idea can make you feel all these things but I can assure you it can.

Two Months of Less (In Theory)

1 Jun

May was my second month of attempting to spend less money, based on the book I read called The Year of Less.  It was a difficult month in many ways.  One of those ways was my spending.  There were expenses that came up this month that I really had no control over and it was super frustrating to watch my bank balance go down, down, down as the month went on.

One huge expense I had, which wasn’t expected, was an entire set of new tires.  I got my first flat tire ever.  20+ years of driving without ever having a flat is good if you ask me but I couldn’t have gone a lifetime without having one and not ever complained.

I was extremely fortunate because where I finally realized I had a flat someone saw me and came out to help me immediately.  Such a nice person and I didn’t even know them.  It makes me remember there are still nice people in this world.  It’s easy to forget these days.

Another expense I had was buying plants/trees/potting soil and planter boxes for my house.  I’ve been wanting some fig trees for a few years now and I finally found some at Home Depot.  I LOVE figs so I’ll be really happy if these trees produce edible fruit.  We also got some squash, mint, lettuce, and other plants given to us so I wanted to be able to plant them.

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Lastly, I had a huge ordeal which turned out to be a fairly large expense when I borrowed a pressure washer to clean off my house and it didn’t work.  I was so set on getting it done that I went and bought one myself. I didn’t buy the most expensive but I wanted to get one good enough to really get the job done and I think I did accomplish that.

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As you read through my percentages keep in mind that last month was a real fluke because my tax refunds were factored in.  This month there was nothing extra and this will be close to my “normal” earnings for each month.

Ok, so here’s where I spent my money (in percentages):

  • Mortgage 27.24%
  • Car 14.24%
  • Home 10.35%
  • Investments 5.3%
  • Extra House Payment 5.3%
  • Savings 5.3%
  • Food 4.02%
  • Entertainment 3.57%
  • Eating Out 2.85%
  • Medication 2.61%
  • Water/Sewer/Garbage 2.45%
  • Fuel 2.02%
  • Natural Gas 1.79%
  • Beauty 1.71%
  • Gifts 1.46%
  • Dog/Vet 1.45%
  • Gym 1.41%
  • Internet Service 1.39%
  • Car Insurance 1.35%
  • Phone 1.12%
  • Electricity 0.8%
  • Yarn 0.74%
  • Knitting 0.71%
  • Clothes 0.4%
  • Crafts 0.36%
  • Work 0.1%

June is going to present it’s own challenges as I’m going to be going on vacation!  I can’t wait to go and I’m not going to try to spend a ton but I’m also going to ensure I do the things I really want to do and have a good time while I’m there.  After all, I do not get vacations very often.

Lies That Bind Us

28 May

I’m so excited!  I finally read and actually finished a book.  First time in a long time.  Well I guess that’s not entirely true, but first time I’ve read a book for the sheer entertainment value.

Lies That Bind Us by Andrew Hart sounded like the perfect read as I get ready to go on vacation soon.  This book was one of the Kindle First options for May 2018.  As I read the description I saw that the book was about a group of six friends going back to Crete for a reunion of sorts and it sounded like the perfect thing to get me into vacation mode.

 

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Lies That Bind Us is about six people (three couples) who originally met in Crete (Greece) in the year 1999.  During their initial vacation when they met Jan and Marcus, Simon and Melissa, and Brad and Kristin all decide that in 1999 days they would get together for a reunion of the first time they met.

We soon find out that Jan and Marcus are no longer dating but decide to go, separately, anyway.  When they show up in Crete there is a 7th wheel in the group, named Gretchen.

This book quickly turns from a fun vacation setting read into a mysterious who-done-it and why.  I love mysteries and found myself constantly trying to figure out who did what and why they did it throughout the book.

This book is one that is written in a way that different chapters are set in different times, past and present. I really enjoy reading books written like this because it adds to the suspense of trying to figure out the motive behind what is going on.

I won’t give too much away in my review but I will say I thoroughly enjoyed this book.  If you’re still reading this in May 2018 and you haven’t chosen your free Kindle First download yet, and you enjoy a good mystery/thriller, then I say you should give this one a shot.

One Month of Less – April 2018

2 May

As you know, if you’ve read my post/review of The Year of Less by Cait Flanders, that I read the book and thought it was an amazing idea.  So how did I do during my first month of attempting to buy less?  Lets take a look.

One thing that really skewed my numbers this month (not that you have anything to compare it to) was that I got my tax refund back which I did enter in my Spending Tracker app as income.  I promptly transferred both refunds into my savings account, at least for now.  I seriously thought on how to handle my refund and figured I had at least two smart options.  One option would be to leave it in my account until the end of the month and divide it into my normal three categories (savings, investments, and extra house payment) for my “leftover” money.  The second option, which I chose, was to just throw it all into savings for now.  So, my savings percentage is crazy high for April…not that I’m complaining.  It definitely helped to replenish what I spent on my upcoming vacation and more so that was nice.

Ok, so here’s where I spent my money (in percentages):

  • Savings 53.36%
  • Mortgage 14.46%
  • Extra House Payment 7.55%
  • Investments 7.55%
  • Food 2.64%
  • Eating Out 2.42%
  • Crafts 1.84%
  • Yarn 1.35%
  • Water/Sewer/Garbage 1.31%
  • Dog/Vet 1.25%
  • Work 1.00%
  • Internet Service 0.74%
  • Car Insurance 0.71%
  • Knitting 0.61%
  • Natural Gas 0.59%
  • Gym 0.59%
  • Fuel 0.58%
  • Phone 0.58%
  • Electricity 0.43%
  • Home 0.12%
  • Contacts 0.10%
  • Medication 0.09%
  • Fitbit 0.07%
  • Coffee 0.06%

I’m super happy about the fact that I saved and/or invested a total of 68.46% of my “income” for April but I know that this number is not achievable for me every month.  Too bad I don’t get tax returns every month.  That would be amazing.

Ok, so you’ve heard the good, lets take a look at some of the less than good.  As you can see, I spent just about as much money eating out as I did on buying food to prepare at home.  I have been much better about eating and cooking at home than eating out this past month but I think I can do better.  

Another thing that I tend to struggle with is the amount of money I spend on my crafty hobbies.  I will say that being crafty is what helps me stay sane and I enjoy it so it’s never going to go away, but I did spend more than I normally would have on supplies in April.  Part of that is due to the fact that I started a new hobby/craft in April and that was learning how to spin fiber into yarn.  So, I obviously needed some supplies which included a drop spindle and some fiber for spinning.  I did go a bit overboard with fiber and am realizing I’m having a hard time taking a step back from buying all the pretty things after letting myself get a bit out of hand.  I really need to stop and spin what I have and decide if it’s something I want to keep doing before I go and buy a bunch, and see if I’m any good at it.  There’s not much sense in keeping spinning if I’m making something I can’t use to knit/crochet with.  In the back of my mind I’m already thinking about the fact that I want to buy a spinning wheel but that is a decision for another day.  They run easily $1,000 and that doesn’t include all of the accessories I would need.  Sounds like my tax refund will come in handy if that’s what I decide to do in the future.

Another thing I have not done at all is to get rid of belongings.  Is it bad that I think if I just don’t buy more I’ll be ok?  I know deep down that this isn’t right but I just don’t feel up to the task of going through all of my crap…yet.  It will happen I’m sure.  One thing I need to go through, like last week, is the kitchen cupboard that has all of my cookware in it.  I open the doors and pots and pans literally jump out at me and it drives me crazy.  

So my goals for May are to still save as much as possible and to rein in my spending on crafting because I have a lot of supplies already.

Have you started your journey to less?  What steps did you take in April to change the way you spend money?

In case you missed it here is a link to my review of The Year of Less and also my post about the Spending Tracker I use.

How I Track My Spending

16 Apr

Hello readers!  I’ve been wanting to type this up ever since I did my review on The Year of Less but I just haven’t taken the time to do it.

I personally started tracking every penny I spent in January of 2017.  Actually I started before that but I was entering everything into my home computer in Excel and I was lucky to get to it once a week, it was a pain in the butt and definitely didn’t show me a real-time picture of my finances.

Knowing that tracking my spending only once a week or so was not going to cut it for me I set out to find a good spending tracker app.  I read a lot of reviews and people were recommending the App Mint, because it does a lot of the work for you.  I’ve tried Mint years ago and didn’t have much luck.  My accounts were difficult to sync, and I don’t honestly love an app that will connect to all of my bank/credit accounts.  It’s too invasive.

I ended up downloading an app called Spending Tracker for iOS (yes I do use an iPhone) but it appears to also be available on Android devices as well.  The icon looks like a little brown wallet.

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There is both a free and a paid for version of this app.  I was happy to use the free version for the whole first year I used it and then finally upgraded in January to the paid version because I knew I was going to continue to use this app nearly every day (sometimes more than once day) for a long time to come.  The free version worked great for me, I just had to deal with an ad every so often.

What I love about this app is that it goes with me wherever I am because I always have my phone.  When I’m in the checkout line I enter my expense immediately and I get a real-time insight to my current monthly balance.  I do have auto-pays set up on some bills which means I do have to check my bank balances and enter those when I see them come in but this has been by far the easiest way I have ever kept track of my money.

Here’s an example of what you would see when you open the app with data entered in (no this is not my data).  You can click on the February link and change your options to “Weekly”, “Monthly”, and “Yearly” which is a great option.  Personally I have mine set up for monthly because I get paid monthly.

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If you want to see the details of every transaction you’ve entered you click the “Transactions” button and it takes you to everything you’ve entered.  You can edit these entries if you need to.

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And this is what it looks like to actually enter a transaction.  It literally takes seconds to do which is why it’s so easy to do it right when you’re in the check-out line at the store.  I especially like that you can enter your own personal notes which has been helpful when buying gifts so I can know which gift it was and who it was for.

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At the end of every month I take my leftover balance and divide it three ways (because this works for me).  I take 1/3rd and place it into my savings, 1/3rd into investments, and 1/3rd towards an extra house payment.  The nice thing is that I made these as actual entries into the Spending app so I can see my percentages (turn your device sideways and it shows you percentages in either a pie graph or a bar graph) for the month.

This tool has been so valuable to me.  It has made me stop in my tracks when I’ve been ready to buy something because it is much more impactful to see the balance go down right before your eyes and to stop and think if this is really a purchase you want to make or not.

I suppose I should say that I am in no way endorsed by the company who has made this app, I just know I like using it and it works!  I hope this tool will help you to reach your financial goals too!