A lot of fanciness for a simple girl

I stuck around this month. I played badminton with a couple friends the first weekend, hung out with alumni from my graduate college the next weekend, spent MLK Day weekend with my boyfriend in SF, and was very much a homebody last weekend. My boyfriend has never been to a Women’s March and I considered taking him the Saturday before MLK Day, but did laundry and yoga instead. He made some digital art that Sunday and I did another hour of yoga. We cooked together for an Indian holiday on MLK day. We also went to a beach where my boyfriend took a perfect picture of the wind in my hair in the sunset, it’s currently tied as my 4th most-liked post on Instagram. Last but opposite of least, my boyfriend got me a super pretty watch for my birthday and planned a dinner at what I swear is the fanciest Indian restaurant in the city. They had a tasting menu for restaurant week so we had a full 3 course meal. It was inventive and filling and delicious, I can’t even… Two of the dishes I got were topped with gold foil!

Tidying Up by Marie Kondo is all the rage right now. I tidied the files and photos on my personal laptop, thumb drives, and microSD cards and took a backup of my personal files from my work laptop last weekend. I’ve been meaning to do this for a long time; it felt good removing it from my todo list. The next steps are to backup my personal laptop and phone, and tidy my external hard drive. Also, I had a pile of old clothes that were too worn to donate. Did you know that H&M takes back such clothes for textile recycling and gives you a 15% off coupon for bring them in? I don’t know what they do with the clothes, but it eases my conscience knowing I didn’t just throw them away and I got a 15% off H&M coupon to boot.

I worked out 15 times this month, keeping to my thrice a week schedule. Moreover, I had gotten my mom to start a 30 day workout program over the holidays. She finished the foundation and has now moved on to a second 30 day program, I’m so proud of her for taking charge of her body! I scheduled an optometrist appointment as well as my yearly DEXA scan. I’m planning to use up FSA funds from last year to get contacts and may get prescription glasses or sunglasses using this year’s funds. Since I’ve let my hair grow out for the past 1.5 years, I have A TON of split-ends and badly need a haircut but oh well. Overall, I’m content on the health front.

Financially, there’s a lot going on. I made my backdoor Roth IRA contribution for 2019 and invested it all in ITOT. I have to fill out and mail in a form in order to convert my Traditional IRA monies into Roth, so I’m super jealous of my boyfriend who can convert his online. I also introduced my boyfriend to the helpful graphics on Personal Capital from which you can get a handle on your asset allocation and sector breakdown. I find those and the Investment Checkup page the 3 most helpful pages on Personal Capital. My manager brought up compensation during one of our weekly 1-1 meetings. I was happy with my compensation but that meeting made me research what the market rate is like, just to check. The conclusion: I’m still happy with my compensation.

In terms of work, I’m totally failing my 2019 goal to become more engaged with my industry. But I have become a slightly more productive worker in the past 6 months, my manager said so. I still don’t have a plan for achieving this goal, but I realize I have to let some other things go in order spend more time on my career. I’m not sure what to let go yet so I’ll cool my expectations for now while I focus on making time and space for this.

On Personal Capital

I just signed up for PersonalCapital.com last week and I’m using it to categorize stocks, bonds, and cash in my investment accts. I have only put investment accts there and no bank accts because I don’t want all my finances with one company. Opening this acct I realized that my company stock is 5% of my total portfolio, and I will definitely be aware of the risk that comes with it (I have an employee stock plan). One thing that annoys me about PersonalCapital is that it lists me as having more liquidity than I actually do by over-counting my cash. As in, I am holding ETFs that keep portions of their assets in cash, and PersonalCapital counts these as me holding cash. But these ETFs are not as liquid as cash, I wish there was a way to separate cash controlled by me from cash controlled by my investments. I also wish PersonalCapital had a way to separate my taxable accts from Roth accts. Except for those two hitches, I like being able to keep track of so many different accounts in one place. So far so good with PersonalCapital!!!

Edited to add: This post contains my referral link, you and I both get $20 if you use it to sign up: https://share.personalcapital.com/x/r0YIbi

Monthly Networthshare Entry : https://www.networthshare.com/user/labangel/2016/12