Playing with the Cricut Explore Air™ between this blog post. It’s sooo cool. I’ve always wanted one and I finally decided to get it since it was on sale at Michaels… and I made some freelance art money (totally justifies the purchase).
I’ve been tracking my spending for 7+ years now and I am proud to share with you the latest Personal Finance Budget & Expense Sheet. 😀
In this sheet, you will need to input all numbers in purple, including salary, health, savings goal, living expenses, flexible expenses, etc. Includes TAX CALCULATIONS so your yearly net amount can be as accurate as possible (although it will never be quite there, so use this sheet as an awesome estimator).
Once again, disclaimers: this is an estimation tool and is in no way shape or form a replacement for your personal advisor or accountant / tax preparer.
(1) This sheet is not going to match your tax refund exactly, but it gives a good basis as to what it would be like
(2) This sheet includes tax calculations for NYC residents. If you reside elsewhere, you will have more money leftover than the last number in this sheet.
(3) This sheet also assumes you take the STANDARD deduction (6200), which… if your NYS tax paid is greater (row 38 + 44), you will be ITEMIZING. (Sheet is currently in the making).
I will be starting my 3rd round of BBG on Mon, Feb 22. Do you care to join me? I liked my experience with this program, even if my progress was slow. I’m so proud I was able to stay committed! It really helps that there is a set workout and that it was do-able at home for a majority of the program. I won’t be sharing any progress photos here, since the lighting and timing is not consistent, thus change is really noticeable, haha! This is the timer I use at home on my laptop and on this app my Android phone.
BBG (Bikini Body Guide) is a 12-week program by Kayla Itsines . It has 30 minute workouts for Mon, Wed, and Fri that target all parts of your body. The off days are for you to do cardio, light intensity, high intensity, and stretch. (You can obviously switch the days around that work into your schedule.) There is also a separate guide for Part 2 (weeks 13-24) and nutrition.
I started on August 24, 2015 after my cousin received it from her friend. It has been 24 weeks since the beginning and I did the entire 12-week program twice, ending on Fri, Feb 5, 2016 (no break in between). The first 8 weeks were done at home and we video chatted. The last 4 weeks were at the gym since we needed Bosu Balls and more steps. Great timing because I got a one-month pass for her!
Are there results? Yes. I am stronger . I can do 10 push ups in a row. My arms aren’t exactly at 90 degrees, but I can do it. And I can do sit ups. (Surprise surprise, I was never able to do one without my feet being held down by something). Just for background, before this program, I went to the gym often and took a bunch of group fitness classes (Zumba, total body training, etc).
Did I lose weight? Maybe. My weight fluctuates a few pounds. In Sep 2015, I was 110.1 pounds and in Feb 2016, I am 107.8 pounds average. Here is my weight chart based on a 7:25 am weight measurement almost every morning recorded in my Fitbit:
I also didn’t take any measurements of the rest of my body because I am not trying to shrink into a smaller clothing size. Maybe I’ll do that this time around just to blog about it, ha.
I finished reading Year of Yes by Shonda Rhimes, which was a really good book, easy read, and had some humor. I thought the book was going to talk more about how the little yes’s changed her life instead of a few examples of the amazing events she said yes to. Here are my favorite parts of the book:
Yazzzz 🙌 👏. I cannot agree more. Sounds like my motto.
Do you wanna play? Shonda’s toddler asks her to play. It only takes 15 minutes but her mindset changes. Spend 15 minutes to share your love with your children and yourself, whether it is a bubble bath, manicure, or anything other activity you really like.
She changed the bottom of her email signature to say:
Please Note: I will not engage in work emails after 7 pm or on weekends. IF I AM YOUR BOSS, MAY I SUGGEST: PUT DOWN YOUR PHONE. (p 128)
I think this is great because the strange mindset in the American work force is to keep keep working. You check an email here and there after hours because it’s “easy”, it’s “quick”, and you just “want to stay on top of things.” But in reality, it is perpetuating people working constantly, being always available. Not everyone is a doctor. Not everything needs fixing ASAP. Relax and take after work hours to do other things outside of work. Relax on vacation and turn that work phone and emails off. Truly disconnect.
Losing yourself does not happen all at once. Losing yourself happens one no at a time. No to going out tonight. Not to catching up with that old college roommate. No to attending that party. No to going on vacation. No to making a new friend. Losing yourself happens one pound at a time. (p 141)