jeffcovey.net -- ymoyl news from 2001 and earlier

here's the news from 2001 and mythical entries from earlier:

ch-ch-ch-changes...
new in december 2001

12/31/2001
december values added

the blue line's still invisible, but the other two are converging nicely. nothing unusual to report this month. i'll do the monthly breakdown when i get a chance.

12/26/2001
finally!

i finished my first monthly tabulation with my answers to the three questions for each of my spending categories. i'll be putting these tables in the monthly subdirectory.

new in november 2001

11/30/2001
gah!

income and expenses are both still coming down, but look at that gap between them! evil evil bad bad evil bad!
well, i'm putting in some long-term work on it, making a list of the silly expenses -- like the phone bill for the line at the old house that's only there because i haven't gotten dsl at the new one -- and working on getting rid of them. then i need to get back to the book. i did get some more work done on step one, digging out some old paystubs and requesting a statement of earnings from the social security administration.
in related bad news, i see the treasury has decided to stop issuing 30-year bonds. bah. i've switched to using the interest rate from 10-year notes.
so outrageous spending this month plus a switch to a lower interest rate can't make that poor little blue line happy -- if i'd taken all my cash-on-hand and stuck it in the 11/7 10-year note, i'd be making $8.89/month. i wonder how far i could stretch that. :)

11/19/2001
it's up.

well, this page is up.
caveats:

i'm simply using the sum of all the money i have in the bank as the amount of capital i have available at a given time for investment. that's bogus, of course, since some of it will be coming due for taxes, car maintenance, yada yada. still, it should give a fairly good, if optimistic, picture. :)
since 05/2000, i've been investing each month in the domini fund, and i have over $6,000 in there. that can be discounted for these purposes, though, since it's money that can be considered not available for (re)investment.
cbb doesn't handle transfers between accounts very gracefully. i've tried to make sure a transfer doesn't get treated as an income or an expense, but one or two may have slipped through. they shouldn't effect the big picture.
there's an occasional missing bank statement (see the source files for details), but that doesn't really hurt the curves of the lines.

thoughts:
wow, that poor little third line barely even pokes its head up. :)
as for income and expenses, it's coming back down from that insane housebuying leap, but i'm still living beyond my means, mostly from stupid stuff like

keeping a phone line on carey street just because i haven't gotten around to getting dsl at my new place.
paying for earthlink dialup just because i haven't taken the time to set up authenticated smtp so i can use the company's dialup service.

i need to spend a day cleaning all that up, then i can take a look at how expenses have generally climbed along with income, and think about getting them back down to reasonable levels. this is where rereading the book and doing the steps about expenditures comes in. i have a feeling too much of it is going into food. i need to start cooking more instead of eating out all the time. well, we'll see what the figures say.
i'm curious to see that little line start climbing. :)

new in june 2001

06/25/2001
house!

i bought a house today. wow, but that's a big spike in the expenses line! :)
savings account: bye-bye. (well, a lot of it.)
expenses after this will be raised by a monthly mortgage payment.
the mannington account has been closed, and the money transfered to my baltimore savings account.

new in may 2000

05/02/2000
domini

i started investing in the domini social equity fund, and dumped a bunch of cash into it to get started. ooh, these last three months will make a nice curve. :)

new in april 2000

04/21/2000
home equity loan paid

another bump in the expenses line, as i paid off dan's home equity loan. some people get inheritances, other inherit debts. :) well, it's gone.
w00t! debt-free!!

04/13/2000
taxes

another bump this year.

new in march 2000

03/09/2000
college loans paid

big bump in the expenses this month, as i took a big chunk out of the savings account and paid off my college loans, the last of my personal debts.

new in april 1998

04/15/1998
taxes

wow, that's a bump.

new in february 1998

02/28/1998
ok, so this is a lie...

i'm actually starting this page on 11/19/2001, but i have good, detailed records going back to february of 1998, so i'll stick it all up and add comments i would have made if i'd had this page here all this time.

new in december 2001
12/31/2001	december values added the blue line's still invisible, but the other two are converging nicely. nothing unusual to report this month. i'll do the monthly breakdown when i get a chance.
12/26/2001	finally! i finished my first monthly tabulation with my answers to the three questions for each of my spending categories. i'll be putting these tables in the monthly subdirectory.
new in november 2001
11/30/2001	gah! income and expenses are both still coming down, but look at that gap between them! evil evil bad bad evil bad! well, i'm putting in some long-term work on it, making a list of the silly expenses -- like the phone bill for the line at the old house that's only there because i haven't gotten dsl at the new one -- and working on getting rid of them. then i need to get back to the book. i did get some more work done on step one, digging out some old paystubs and requesting a statement of earnings from the social security administration. in related bad news, i see the treasury has decided to stop issuing 30-year bonds. bah. i've switched to using the interest rate from 10-year notes. so outrageous spending this month plus a switch to a lower interest rate can't make that poor little blue line happy -- if i'd taken all my cash-on-hand and stuck it in the 11/7 10-year note, i'd be making $8.89/month. i wonder how far i could stretch that. :)
11/19/2001	it's up. well, this page is up. caveats: i'm simply using the sum of all the money i have in the bank as the amount of capital i have available at a given time for investment. that's bogus, of course, since some of it will be coming due for taxes, car maintenance, yada yada. still, it should give a fairly good, if optimistic, picture. :) since 05/2000, i've been investing each month in the domini fund, and i have over $6,000 in there. that can be discounted for these purposes, though, since it's money that can be considered not available for (re)investment. cbb doesn't handle transfers between accounts very gracefully. i've tried to make sure a transfer doesn't get treated as an income or an expense, but one or two may have slipped through. they shouldn't effect the big picture. there's an occasional missing bank statement (see the source files for details), but that doesn't really hurt the curves of the lines. thoughts: wow, that poor little third line barely even pokes its head up. :) as for income and expenses, it's coming back down from that insane housebuying leap, but i'm still living beyond my means, mostly from stupid stuff like keeping a phone line on carey street just because i haven't gotten around to getting dsl at my new place. paying for earthlink dialup just because i haven't taken the time to set up authenticated smtp so i can use the company's dialup service. i need to spend a day cleaning all that up, then i can take a look at how expenses have generally climbed along with income, and think about getting them back down to reasonable levels. this is where rereading the book and doing the steps about expenditures comes in. i have a feeling too much of it is going into food. i need to start cooking more instead of eating out all the time. well, we'll see what the figures say. i'm curious to see that little line start climbing. :)
new in june 2001
06/25/2001	house! i bought a house today. wow, but that's a big spike in the expenses line! :) savings account: bye-bye. (well, a lot of it.) expenses after this will be raised by a monthly mortgage payment. the mannington account has been closed, and the money transfered to my baltimore savings account.
new in may 2000
05/02/2000	domini i started investing in the domini social equity fund, and dumped a bunch of cash into it to get started. ooh, these last three months will make a nice curve. :)
new in april 2000
04/21/2000	home equity loan paid another bump in the expenses line, as i paid off dan's home equity loan. some people get inheritances, other inherit debts. :) well, it's gone. w00t! debt-free!!
04/13/2000	taxes another bump this year.
new in march 2000
03/09/2000	college loans paid big bump in the expenses this month, as i took a big chunk out of the savings account and paid off my college loans, the last of my personal debts.
new in april 1998
04/15/1998	taxes wow, that's a bump.
new in february 1998
02/28/1998	ok, so this is a lie... i'm actually starting this page on 11/19/2001, but i have good, detailed records going back to february of 1998, so i'll stick it all up and add comments i would have made if i'd had this page here all this time.