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Viewing the 'Henry, the Pricey and Priceless Hound' Category: Fiscal Fitness
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Then (10 years ago) and Now

January 1st, 2020 at 08:40 pm

Ten years ago: I was just starting my first job in the financial industry, doing taxes for H&R Block, after leaving a 20-year career in teaching and four months of unemployment. Both my mother and my basset hound Henry were alive, but each had been diagnosed with the illnesses that would soon kill them. I also had Phoebe and Teddy, the cats. I was about to take my final CPA exam. My Net Worth was positive but lower than it should be for someone nearing age 50.

Ten years later, I have had ten different jobs in the financial industry (most of them in the first half of the decade), finished my EA, CPA, and am nearly done with the CFP certification. All 3 pets that I had a decade ago were gone early in the decade and I adopted Buffy and Bridget, two middle-aged kitties who had lost their owner (and who are now both seniors and ill). I still live in the same house, belong to the same congregation and have the same friends (of course, there are new ones, but the core group is the same), and I’m still concerned with eating well and exercising. I never lose as much weight as I want to but the good news is that I have generally stayed moderately active and within about 10 pounds of the same weight for the decade.

My Net Worth is about 3.7x what it was. The inheritance from my mother doubled my net worth early in the decade, and I’ve grown the accounts since then. A new car in 2012 was my biggest single-item expense of the decade, but cumulatively with five pets (the three back then and the two now), veterinary expenses have been the biggest “discretionary” category of spending, particularly the two, Henry and Buffy, who had more major illnesses. But the pets keep me happy so they are well worth the money I spend on them.

Now, looking ten years ahead I see both more of the same and more changes. I’ll continue to focus on both health and finances (which is why I named my blog “Fiscal Fitness”); I’ll continue to have pets despite the expense, and, for the next decade, work will remain a focus. But I’ll begin to mentally prepare for retirement as well. That change in mental focus shall be a challenge for the decade.

Win, Lose, and Draw

December 31st, 2019 at 01:52 am

Wins
-Kitties are both still here and happy, if not healthy.
-Completed 1.5+ CFP courses—and 1.5 to go.
-Was somewhat more active in 2019 than in 2018—about 10% more steps.
-Increased savings to more than 20% of income between 401k, HSA, and emergency fund.
-Did not increase debt despite unexpected ~10k in veterinary medical expenses and accelerating a 5k roofing project into 2019 rather than 2020.
-Work has generally gone well.
-Managed to tackle some deferred home maintenance projects.
-I managed to maintain a sufficient social life despite working long hours.

(Upcoming) Losses
Kitties now both have been diagnosed with what the vet terms their “life-limiting conditions.”

My vet appointment with Buffy last week was distressing. Whatever it is that blocked her biliary tract back in June is growing again. Without opening her up we don’t know if it is cancer or merely an “inflammatory process.” Surgery would cost 6-7k and Buffy turns 15 in March, which is the average lifespan for an indoor cat. If she were 5 years younger, I would go for the surgery, but I had a hard talk with myself and decided that it isn’t worth spending that much money on a cat whose likelihood of living more than another year is not high in any case. What I *am* doing now is that we added a third medication, one to keep her blood sugar in control, and I am treating her as if she is actively diabetic. She has been a diabetic-in-remission for four years. The prednisolone that helps her biliary tract/inflammation issues causes her diabetes to become active again, so we added a medication (not insulin but glipizide) that helps bring her blood sugar under control, but this means that I have to measure her blood glucose to make sure that I’m also not causing her to become hypoglycemic. We are both getting used to this new routine. My goal is to keep her going as long as possible without the trauma and expense of surgery. At some point, inevitably, though, the “thing” will block her biliary tract again and I will have to have her put down, and it could happen quite suddenly. So I am cherishing every moment with her.

Bridget, my other kitty, was diagnosed in the early stages of kidney failure. It’s early stages yet, so I’m not as worried. I’ve changed her diet and am looking into supplements, and will have her monitored more frequently. The last cat I had with kidney failure I kept going for 2.5 years after diagnosis. Unfortunately, Bridget doesn’t have the mellow temperament that that cat or Buffy have, and I fear that the stress of daily subcutaneous fluids would be more than she could tolerate and put me at risk of getting bitten. So I’m just praying that I don’t lose them both this coming year.

Draws
Thyroid issue holding stable, knock on wood—next ultrasound January 24.

Goals for 2020
1. Finish CFP coursework.
2. Regular exercise routine.
3. Do as much as I can realistically do for the kitties.
4. Continue to save 20% of earnings while reducing debt. Note that my company changed the timing of our annual bonus from 12/31 to 2/28 starting this year. If I were getting a bonus tomorrow, then the debt would be down to what I was hoping for, but that will be delayed. I am still feeling pretty confident that I will be able to meet my goal of being debt-free by at least a couple of years before retirement (which will give me a chance to spend a couple of years building up a bigger cash reserve).

Quick near year-end financial update

December 18th, 2019 at 11:50 pm

I've been updating the net worth spreadsheet I've kept for the past decade today, so it's time for a quick update, although the year is not over yet.

In terms of finances for 2019, there's still one paycheck to go, and one more vet appointment, which should be the biggest expense left this year. (That's tomorrow--please wish my kitty luck! After six months, I am hoping that we have finally gotten the medication balanced out to both keep her biliary tract illness from progressing too fast while at the same time preventing her diabetes, which is currently in remission, from becoming active again.)

In general terms:

Assets are up about 10%;

Debts are down about 2% (despite the big increase in veterinary expenses and accelerating a major home maintenance issue from next year into this year);

and Net Worth is up about 12%. That's the second-best year this decade that is due to my own efforts (I've had bigger increases but due to inheritance).

The only big financial changes were a large raise early in the year and the fact that both of my cats were diagnosed this year with what the vet refers to as their 'probable life-limiting conditions." Despite the diagnoses, both kitties' illnesses seem well under control for the moment with medication and diet changes, but because of the meds and the prescription diet and for the one cat, much more frequent vet visits, my pet care expenses have grown quite a bit compared to previous years. Both cats seem happy and are doing well and they give me a huge boost of happiness so the expense is worth it. The increase in costs is about equal to what the pay increase is, so in terms of my day-to-day living, it's just been a minor budget adjustment.

Overall I am satisfied. Yes, I would like the debts to be going down faster than they are, but I am making progress even in the face of some large unexpected expenses.

At the beginning of the decade, my "debt to equity" ratio was about 60% (right after the double whammy of leaving my former profession and losing that income at the same time that my mother was dying and I had a lot of travel expenses) and now it is 15.5%. I look forward to getting it under 10% but I feel confident that I will get there in the next handful of years--still feeling on target to have the debts paid off completely sometime between 2025 and 2027. That paves the way to have the freedom to retire (not actually likely at that point, unless something changes) or (more likely) to scale back on work.

Kitties and Net Worth

April 1st, 2018 at 05:27 pm

My last blog post was about my cat, Bridget, who has lost some weight and hair. (see https://www.flickr.com/photos/elissaw/41121285262/in/dateposted-public/; I can't remember how to insert images here). The home vet visit was traumatic (long leather gloves, a muzzle, and kitty screams were involved, sigh), but it revealed that her bloodwork is, to my great relief, completely normal. The vet thinks the hair loss is behavioral, so she is going on transdermal Prozac this week, and I've changed her diet to a hypoallergenic prescription diet. We'll give it two months and re-assess.

My other kitty is scheduled for a dental on 4/18 as her teeth are in bad shape. It hasn't prevented her from eating, though; she gained another .75 pound :^(. At least her diabetes continues to be very well controlled by her diet change--totally normal glucose.

On another note, I decided to change one of my annual goals from increasing my net worth to decreasing my debt. With the markets being so volatile so far this year, it seemed better to focus on the debt reduction, which is more in my control, than the net worth, which is out of my control.

If you count HSA contributions and employer matches, I am currently saving 24% of my salary, which is as much as I can reasonably afford while also paying off the debt.

This is offset by the fact that I have to take RMDs (required minimum distributions) from the two IRAs I inherited from my mom, but so far it looks as though this year I may be able to limit myself to just taking the RMDs and nothing else, and the accounts generate more in income than I take in RMDs, so there should be some small growth in those accounts.

Overall, for Q1, my assets are down 1.43%, mostly because the losses in my retirement savings are greater than the contributions YTD. My debts are down 7.12% because at the beginning of the year, I took the RMDs and applied them to debt reduction.

Overall, my networth is down $2,225 from 12/31, or .42%.

In other news, I spent $450 to have a landscaper clear out and re-mulch my very overgrown yard and place weed barriers to reduce the weeds along the fence.

Something that I would like eventually to do is to hire someone to build me some raised beds to do a little bit of vegetable and herb gardening. I was fantasizing about that yesterday, but am not sure if I will do it this year or next. I think my next outlay of money for the house will be to hire some home organizing help. I went to a presentation by an organizer last week and actually made some progress on my own this weekend, but there are certain areas of my house where I need a coach and some assistance to inspire me to get through in the very limited amount of time I have to deal with this. She charges $235 for a 3-hour session and I will be scheduling this for May, I think.

After putting that goal of "creating a peaceful and inviting home environment" in my sidebar year after year, I think I may actually make some progress towards that goal this year!!

Six month balance sheet review & Remembering Henry

May 31st, 2015 at 07:23 pm

Just looking at my balance sheet today compared to six months ago (11/30/2014). Overall I have a nearly 25K net increase, of which half is in retirement savings (and that increase is pretty evenly divided between new contributions and capital appreciation).

Of the other half, 5,000 is a net decrease in debt (which has been transferred from credit card balance transfers to a personal consolidation loan) and the rest is an increase in savings (some ready cash and the rest in my HSA).

Nice to see progress and especially to feel like it is progress that will continue, rather than a few steps forward and a few steps back. Of course, we'll see if there is any big market correction this year, but at least for the factors under my control, I am feeling positive.

Also, for those of you who have seen me on here for a long time, yesterday was the five year anniversary of Henry's passing. Hard to believe it has been five years. I always told him his middle name was "Retirement," since during the 4 years I had him I ended up putting the amount that I otherwise would have put towards retirement towards medical expenses for him--but he was well worth it for the love and purpose he gave me during some pretty tough years.

Catch-Up Post

July 28th, 2010 at 03:51 am

I haven't blogged here in ages, but I thought I'd update.

Those of you who know me from my earlier posts (most active about 3 years ago) know that I have spent a lot of time and money on behalf of my beloved basset hound, Henry. Henry developed cancer just about a year ago, and during the past year I got myself back into debt trying to save him. It didn't work--I had to have my beloved baby put to sleep on May 30--but I bought him about six months, during four of which he felt really good, acting years younger. I have no regrets about the debt. But it will be a while before I adopt another dog. I'll do some fostering and other work for basset hound rescue in the meantime, though.

My mother has also been diagnosed with a life-threatening illness this year. She spent five months in a nursing home and only just returned home, where she needs a home health aide much of the time. I've had two visits out to see her and that has also cost some money, time and grief.

On the positive front, I'm making good progress on my career goals. I've now passed all four CPA exams and have completed about 20% of the experience requirement (one year of full-time work) working at a CPA firm. I still need a full-time permanent job, but I'm happy with where I am. Good thing, too--I turn 50 in a month, and making the career change successfully was a goal I set for myself when I turned 40. I'm not 100% to where I wanted to be, but I'm 90% there and feel fairly confident that I'll be where I wanted to be (full-time regular staff accountant position) during the year that I am 50.

I had also set some health goals this year, and could make better progress on those. The triple whammy stress of two family illnesses and being unemployed for much of the year definitely worked against me here! But I've lost a couple of pounds and maintained my walking schedule up until the last month of Henry's life, and am getting ready to get back to more of a focus on fitness now.

Every "decade" year of my adult life (20, 30, 40, 50) has had a major life crisis, but in each case, the crisis has been over by my actual birthday. I'm hoping that I'm done with crises for the year and can go back to focusing on more ordinary life goals--getting the full-time job I want, keeping fit and happy, and getting out of debt yet again.

Crossing the Line into Debt

October 21st, 2009 at 07:45 pm

Around 20 years ago, I got myself seriously in debt--about $13,000 worth. To some, that may not sound like much, but my income at the time was about $16,000 and my assets were nonexistent, so percentage-wise, it was serious. It took a few years to get myself out of that debt--about 4 years to wake up to my poor money-management habits and about 3 years after that to nix the debt. Since that time, I have remained debt-free--other than acquiring a mortgage, which at least comes along with a substantial asset.

I'm getting dangerously close to crossing the line right now, however. The amount of my total cash balance is close to the amount of my credit card bills, and for the first time in years, I will be carrying a balance on a credit card that isn't paid off within a month or so.

I hate that I've had to put so much on credit cards, but $3500 worth of car repairs on a car that is generally in good shape and $5000 worth of vet bills for the hound who gives me a reason to wake up in the morning were non-negotiable expenses. (I'm afraid Henry will be my last dog for a while, though--this is his second costly medical crisis in the 3.5 years I've had him, and odds being what they are, he'll have at least one more costly crisis before he goes.) I paid much of that out of savings, but now I am getting to the point where I am reluctant to completely empty the coffers in order to pay the bills.

At least at this point, I am much more financially aware, and I have a positive net worth. But I am unemployed, the job market is tight; I am looking for entry-level work in a career field new to me that will mean that my first year's income will be relatively low (although the potential for growth in income is
much greater once I am established).

This is a real tipping point, and it scares me.

Home Repair Decision

June 5th, 2008 at 02:00 pm

Now that I've been a homeowner for 2.5 years, I have my first major home repair to make--the gutters on my front and back porches have rusted through (they're old steel half-rounds).

So I've been getting estimates--I contacted 5 contractors; 4 have been by so far, and I have 3 estimates in hand.

In any case, I'm going to get seamless aluminum "K" gutters--no need to worry about rust again.

The choice seems to come down to either spending about $600 for .027 gauge "industry standard" gutters, or spending about $1200 for .032 gauge gutters--he showed me a piece of one and it really does look much more sturdy than the typical gutter. The .032 gutters come with a 10 year warranty on workmanship and 20 years on the parts.
I need to call back the contractors for the .027 gauge gutters and ask about a warranty, since neither contractor whose estimate was in this range spontaneously mentioned one.

As I'm writing this, I'm convincing myself to go for the $1200 gauge gutters, at least in the front. The front porch has a roof that still is under warranty for another 10 years and is in good condition. I'm not sure about the condition of the "soffit" or section underneath. The back porch has a stationary aluminum awning which the gutter hangs off of--it's attached to wood strips that are screwed to the awning supports. The awning supports are beginning to rust a bit, and one contractor (the one who hasn't gotten back to me yet) said that he recommended replacing the awning instead, and said he'd give me the name of the contractor. He tried to scare me that during an ice storm it could collapse on my dog. While it might need some new supports on the far side of the porch, the awning itself is perfectly good, and it is firmly attached to the house, so I just vowed for the moment to get a roof rake before next winter. I'm hoping to have that awning last another 10 or so years--if I'm still in this house (and the only reason I wouldn't be is if DBF & I get married), I'm hoping to renovate the kitchen and expand the house by about 3 feet into the patio, which would entail redoing the concrete patio as well.

Also this summer I need to have the roof silvercoated, the furnace serviced, and I desperately need new glasses (it's been 4 years and I'm reading thru scratches). That's at least $1000 in additional expenses there--and, to be prepared, I should probably expect about another $500 in unexpected expenses, either a big car repair or a big vet bill. Praying neither comes to pass, but I can't ignore history, and I haven't had either of those since a $500 vet bill in February, and I usually experience about 3 major "unanticipated expense" events a year. (Hopefully the laws of probability will work in my favor--if things work out to average, I'm still way ahead in expenses paid on based on the $8000 I spent on Henry the year I adopted him!)

Also I really should travel to L.A. and visit my mother this summer--another $500 expense.

Summers always end up being pricey, and this summer my income is low, which means that some of these expenses will get paid for out of savings. I have one more year on my job and then need to make the big career change, so I hate going into savings to do this--which is the one temptation to go for the $600 gutters. They might not last as long or look as pretty, but that's about what I had originally planned to spend (based on the first estimate that I got way back in March when a contractor was working on a neighbor's roof).

March roundup

March 29th, 2008 at 09:08 pm

Well, March was a spendy month; I spent about double what I spent in February (gulp). Much of the addtional spending was justified but still I hate to see so much variability--and I *really* hate it when my spending for the month surpasses my income for the month, even with the tax refund.

Extra spending was as follows:

$600 another expensive vet trip for Henry and his allergies
$165 getting a broken tooth fixed at the dentist
$500 buying the beginnings of a new professional wardrobe as I prepare to transition from academia into the corporate world
$200 in professional expenses (books, software)
$100 stocking up on wine, beer, sodas and extra food for a party
another $200 in extra food expenses--not that the food was wasted, but that it was eaten out or bought prepared, thus unnecessarily expensive
$82 to buy 200 "forever" stamps before the price increases on May 12
$132 prepaying an extra month early on my home gas bill--they changed the date the bill was due and refused to change it back, and I really like to pay my bill immediately after my monthly paycheck arrives and not a week before it arrives, so I decided to get a month ahead to avoid any late fees.
$90 extra prepayment on the mortgage to get it down to 89K.

As so often happens, financial and weight control go together--I slacked off a lot on exercise during March, and gained back 2 pounds. Still down about 7 from the end of last year, but I can feel those two pounds.

So the goal for April is another personal "challenge" month to see how close I can keep my monthly total spending to about $2000. No "extras" this month (unless I get a job interview, in which case I still need a professional pair of shoes), and I need to start back shopping more at Aldi's and Giant, much as I hate them, rather than at my beloved Wegmans. And I pulled out the pricebook I put together two years ago--time to update it since the last time I used it was in 2006. Should be interesting to see how food prices have changed in that time.

And it's a challenge month for health, too--I've joined an online "April Boot Camp" challenge on Leslie Sansone's walk club board, the goal of which is to lose 8 pounds during April. So I'll tighten up and refocus on fitness, too. I just started another round of "First Strides," the local women's walking/running program (that was another $40 out the door); those two workouts a week with other people (in addition to the two mornings a week I walk with my friend Anne) should help keep me from slacking off).

Grocery & other weekly spending

February 16th, 2008 at 08:01 pm

After spending $130 at the grocery store last week, I was going to try not to spend anything there this week.

No go on that. All the things that I use the most--soymilk, sliced turkey breast, cereal, fruit, salad fixings, frozen burritos--were used up, so I did replace those. That "basic grocery shop" used to cost me about $35/week if that was all I bought. Now the same basket of goods costs $40/week. Inflation.

Only 1 no-spend-day during the week, but 2 more this weekend, for 8 days out of 17 so far this month total. The kitties ran out of litter and I ran out of feminine protection. Both are items that I order in bulk online, saving money over the long term but requiring an inital outlay, so that was about $100 out the door, but now I'm stocked up on both for 6 months.

I also ordered tickets to a play on-campus for my sweetie & I to attend as a late Valentine's celebration. That wasn't too bad--community members pay $15 per ticket, but as a member of the campus community, I can go for $5/person, so that was $10 out the door.

Total spending so far this month $732, still on track to bring the month in at about $2000 total, barring any household/car repair or medical emergencies. I *thought* I was going to have a big vet bill for Henry, but we managed to avoid it. He has a wart on his nose and scratched it so that it began bleeding intensely--I look up and there's blood EVERYWHERE and it's still pouring down his face. Fortunately applying pressure (and hydrogen peroxide) to the spot managed to stem the bleed. Darn wart's still there, though.

First Month Assessment

January 28th, 2008 at 03:14 am

I'll do this now, since I get busy during the week. Also, I started my fitness and diet plan on Dec 27, so it really IS a month.

So far: 7 pounds down (about 3% of my weight). I've exercised all but 5 days since starting. Food spending was about 10% lower than last year's monthly average; I should do even better in February, when I won't have out-of-town company coming to buy for. I ended up buying food [bagels & cream cheese, tortilla chips] that the visitor didn't eat and which I just gave away to my boyfriend because it's not on my health plan right now.

In terms of savings goals, I haven't saved *anything* so far--in fact, I overspent in January--$220 on exercise DVDs and equipment and new walking shoes, an unexpeced $500 vet bill (well, not totally unexpected, as Henry ends up with about 4 of these per year; just not expected this month); over $200 in textbooks for the school term, and $116 for a new 3 handset phone system when my old cordless phone died. Some months are like that. Everything was put on the credit card, which I pay off in full each month. My goal for the next month, however, is to limit expenditures to basic bills, food, gasoline, and any emergency medical/vet bills that arise--in other words, I'll eliminate discretionary spending other than that which I routinely get billed for (the $19/month gym fee; the minimum $5.23 most basic Netflix subscription) and see if I can thereby catch up on my planned savings.

The other big goal for the month is working towards the career change. I've got a big hurdle in the next 2.5 weeks: I finished last semester with an incomplete in a critical course, and now have just 2.5 weeks left to complete two exams and the papers. I wasn't able to focus on working on this last month when I found my job unexpectedly up in the air, and the past week, I've been feeling on the verge of a cold and end up going to bed early each night rather than studying. I'm going to be pretty frantic until my Feb 16th deadline.