November 2013 Update
It’s a pretty big update this month, as I’ve been very busy. I started working in the beginning of the month; I’ve also run a marathon, traveled home for Thanksgiving, started working out, picked up guitar, and tried to do some programming in my spare time. Among other things

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First, some concrete numbers (Finally!). My total expenses this month were $1,877. As usual, there were some unanticipated expenses, including: $70 for a guitar program (more on this later), $65 for Thanksgiving bus tickets, and assorted dinners out with friends. My total income was $2,769. This number is pretty much meaningless, for the following reasons: only one paycheck for this month; I received a $5k signing bonus for the new job, but I also put 50% of income directly into the 401k to try to max out my match. I don’t include 401k in ‘income’ although maybe I should. Dividends were steady with previous months. The end of this month marks the wealthiest I’ve ever been, as the company match ($3k, the $5k bonus, and the paycheck brought me over the amount I spent on my trip). Next month I’ll be depositing the check for the van I traveled with, as it finally sold. I took a heavier hit on that than I wanted, but so be it.
As part of my tabulations I introduced a new expense category: “Hobby.” I’d previously lumped this in with “Entertainment,” but I think that’s misleading. Entertainment, henceforth, will be passive stuff - books, movies, music, which really should be $0. Hobbies are skills I’m actively developing. Obviously, I’m willing to spend a bit on my hobbies that I wouldn't on entertainment.
The job will be dropping my expenses even more over the next few months with its crazy perks. This month I paid $75 for internet access; that will be 0 from here on out. I now have a free cellphone. Not that my phone expenses were high, but this will save me ~$150 per year. My gym costs are subsidized, and food is free (it’s really good food!). I did spend a lot on food as I felt I could justify ‘splurging.’ I think an achievable expense goal would be $1500/month though I won’t hit that in December.
What about investments? Even during my trip I was investing $250 weekly in Vanguard mutual funds. I’m bumping that to $500 starting now. I’ve also been transferring about $1000/week additional into funds as a plan to shift 10-20k out of cash on an averaged basis. The impetus here was when I realized that a good chunk of ‘cash’ was in a vanguard MM mutual fund with an expense ratio. Yuck! The final note on my investments is that, now that I have stocks in a Vanguard brokerage account, dividends are reinvested, which I’m actually super-enthusiastic about. It was the biggest shortcoming of my previous account. I like that, without any action on my part, I’m increasing my investments monthly. Dividends this month were $350.
Charity
Ok, on to my other interests. One thing I was hoping to do was to get more involved in charity. I haven’t had any free time to volunteer, but I have been donating more. Kiva finally introduced a way to dump money into your ‘account’ there regularly, and I’m doing $100/month, plus reinvestments. I don’t include this as an expense as the money is still theoretically available to me. Also, on my new smartphone I installed an app called ‘One Today,’ which introduces a charity each day and asks for a $1 donation. I like this, as I can spread money across a variety of causes. For instance, clean drinking water, education for sex trafficking victims, and hurricane recovery efforts in the Philippines. That totals $30/month and I do include that in my donations. I think I will be able to begin volunteering in 2014.
Guitar
I mentioned guitar earlier. A few years back I’d bought a crappy guitar/amp/etc combo. I didn’t use it much and had considered selling it. But recently I somehow got interested again. I’d had an aversion to guitar because it’s the stereotypical instrument to learn. But on the other hand, I think it’s considerably easier to be competent at than piano or harmonica, the two other instruments I’d been learning. It's also very versatile. And there’s a ton of educational material available. Foremost among these is the game ‘Rocksmith,’ which uses a special USB cable to turn a real guitar into a video game. I’ve really enjoyed that and I’m tracking my practice, trying to do an hour per day. That’s usually 30 minutes of Rocksmith and 30 minutes of chord practice and instructional videos. I do this right after work and enjoy the separation it gives me.
One thing I really like is that, with 15 minutes of dedicated guitar practice you can see a substantial improvement in some ability. For instance, 15 minutes dedicated to switching between the A and D chords will make me a better player, guaranteed. And guitar is so broad, there’s always something new to learn.
Fitness
I ran a marathon during the middle of the month. This was on three weeks of practice, a very aggressive schedule. I enjoyed the training, but I’m still recovering: the wear on my ankles and knees was quite a bit. I think in a few weeks I’ll be doing some regular running.
My work schedule is flexible; I try to arrive at around 9am. That means I finally have enough time to go to the gym, typically from 7am-7:45am. My gym is literally 3 minutes walk away, and it’s subsidized by my job. I’m pretty weak, given that I’d only done ~3 months of lifting over the past 5 years. My routine is simple: three lifts M/W/F, 5 sets of 5 reps. Lifts are squats, deadlift, overhead press and bench press. I had success with this routine in college and I’m already feeling stronger, even after 2 sessions

. I have no immediate goals, but long term I want to hit 1000 pounds total between bench press+squat+deadlift. I’d like to do more distance running, maybe some half marathons and 10ks.
I’m eating pretty well, holidays excluded. Typically right after lifting I have a small bowl of oatmeal, protein powder, and psyllium (fiber). At work, I have a bowl of cottage cheese, yogurt and granola. Then a green juice drink, some small snacks. For lunch I have a few small pieces of flatbread pizza, a small dessert, berries and some pasta/greens. For dinner I have some tofu dish, some grain/legume salad, some soup or potatoes, and another dessert. I’ll have to have a bit more discipline here, but overall I’m pretty happy.
Job
I’ve been working 4 weeks now. About two weeks of that were training and basically pointless. I’m starting to get back in the routine. There’s a lot to learn. I’m using Java and Javascript, and doing Android development. All of these are new to me in a professional environment. There’s also, of course, a ton of code to get familiar with.
I realized very early on that my ‘practice muscles’ had atrophied. I haven’t had to dedicate much effort to learning something new for 5 years, since I started at the previous job. Just applying myself to this new stuff was a struggle. Another element was that the burnout I suffered at the previous job had led to some bad habits. This is another reason I’m learning guitar, because I want to strengthen my ability to practice.
At work I keep a daily log of what I learned (for instance, static classes in Java, how to construct an enum, etc). I also track the rough hours I spent coding in both Java and Javascript. I like this because I can say “oh, it’s understandable I don’t really get that. I only have a total of 50 hours of Java practice,” or whatever. Plus when I get to 1,000 hours or 5,000 hours I’ll have some understanding what that means.
I had hoped to do a lot of programming outside of work, but I’m simply too busy. I’m casually working on some javascript games, but not as regularly as I’d like to. My schedule looks like this:
* 7:00-7:45 Gym
* 7:45-9:00 Shower, change, commute
* 9:00-9:45 Breakfast at work, read email, etc
* 10:45-6:30 Working
* 6:30-7:15 Dinner at work, finish up daily tasks
* 7:15-8:00 Commute home
* 8:00-8:30 Settle in at home
* 8:30-9:30 Guitar practice
* 9:30-10:00 Catch up on websites, email
* 10:00-11:30 Read, watch TV, or try to do some programming
* 11:30-7:00 Sleep
Overall I’m happy. I’m getting stronger, learning a lot, and finally practicing an instrument with some regularity. I'm back on quantifiable financial footing and increasing savings. I kinda wish this upcoming month were January rather than December, as December is not a great month to cement a routine. But so be it.