Self-Propelled Commute Report – July 2015

trek12Last day of July so it’s time to document my commuting progress.  I biked or ran to work 20 of the 22 days I worked, for a PR of 91%.

This month I never drove myself in carpooled the other 2 commutes, so we did relatively well on car usage.  We filled up on gas a total of 2 time and drove 756 total miles, mostly due to visiting family.

For August I’m planning to work about 20 days and my goal is to commute under my own power at least 15 of those days.

Income/Expenses – June 2015

Spending Pie Jun2015From my recurring income series; Our net savings / spending numbers for June 2015:

Another average spending month.   Our home – mostly mortgage interest, property tax, and insurance – accounted for 36% of our spending (I don’t count my principle payment into spending).  Food followed at 27% of our spending, which was quite higher than we had wanted…  Then travel accounted for 9%, followed by bills, entertainment, gifts/donation, shopping, and “other” (including gas) each at about 5% of the pie.

We received some rental income in June, but overall a lower income month with only 2 paychecks each.  Out total savings rate was… 68%.  Income will be much higher in July with 3 paychecks each, and spending is likely to be about average, probably not many expensive activities, but we are going to do a bit more driving than usual to visit family.  I’ll set the saving goal at 78%.

Self-Propelled Commute Report – June 2015

trek12June’s in the past so now I can document my commuting progress.  I biked or ran to work 14.5 of the 18 days I worked, for a rate of 81%.

This month I never drove myself in carpooled the other 3.5 commutes, so we did well on car usage.  We filled up on gas a total of 1 time and drove 456 total miles.

For July I’m planning to work about 21 days and my goal is to commute under my own power at least 16 of those days.

Income/Expenses – May 2015

Spending Pie May2015From my recurring income series; Our net savings / spending numbers for May 2015:

Another very average spending month.   Our home – mostly mortgage interest, property tax, and insurance – accounted for 37% of our spending (I don’t count my principle payment into spending).  Food followed at 25% of our spending, which really got hammered as we paid for a couple expensive meals.  Then general shopping was at 12% followed by entertainment (pre-paid football tickets) at 10%.  Bills accounted for 7% of the spending, and lastly Health & Fitness, Auto & Transport, and Gifts & Donations with a couple percentage each.

We saw a small bonus and some rent in May, which we won’t see in June.  Income will therefore go down and spending is likely to be higher due to a cross country wedding trip (although we did use free card bonus airline miles to purchase the tickets).  This month we hit a savings rate of 76%!.  I’ll set the saving goal at 66% for June.

Self-Propelled Commute Report – May 2015

trek12Another month in the books, May commutes have finished so I can officially document my commuting progress.  I biked or ran to work 16.5 of the 19 days I worked, for a rate of 87%.

This month I only drove myself in once and carpooled the other 1.5 commutes, so we did well on car usage.  We filled up on gas a total of 2 times and drove 749 total miles.  Pushed through many mornings with sore legs to complete bike to work month with one of my best months yet.

For June I’m planning to work about 19 days and my goal is to commute under my own power at least 15 of those days.

Self-Propelled Commute Report – April 2015

trek12Another month in the books, April has finished so I can officially document my commuting progress.  I biked or ran to work 12 of the 20 days I worked, for a rate of 60%.  It’s been about a year since I got serious about biking in, and I’ve been sprinkling in a few runs over the last few months.  Last April I biked 41% in the first month I really tried, and over the April/May week I biked in to work every day for the first time in my life – it’s the anniversary of quite a milestone.

This month I only drove myself in once and carpooled the other seven times, so we did well on car usage.  We filled up on gas a total of 3 times (first time in 6 months for our rarely used SUV) and drove approximately 590 total miles.  I’m going to blame a lot of the carpooling on rain… although, as usual, many of those days passed and I could have easily biked.

For May I’m planning to work about 19 days and my goal is to commute under my own power at least 15 of those days (it is bike to work month after all).

Lending Club Update – April 2014

LendingClubUpdateIt has been over a year since I last updated on my account at Lending Club.  We’ve been adding a couple hundred a month as automated investment to the account and rolling all payments back into new loans.  With $1367 in interest and $50 in recouped loans, less the $367 charged off, $50 in fees, and a $180 adjustment for loans which are currently past due I’m up $795 on my deposits of $7450.  Lending Club tells me that works out to an Adjusted Net Annualized Return of about 9.2%.

The primary changes I’ve noticed since I last wrote about my Lending Club progress include a lot of small mark downs of expected returns…  that’s not so promising considering the generally positive economic situation and bull market.  Compared to the stock market over the last two years this has not been a particularly good return, we’ll have to see what happens whenever the market runs out of steam.  And from what I can tell it also isn’t that good of a return compared to a diverse junk bond portfolio, and then factor in taxes and the tax complexity… not feeling so hot on P2P lending right now.  We plan to continue to automatically deposit a small amount each month until we reach $10k of deposits (sometime around the end of this year) then I think we’ll just let it ride to see how it goes.

Lending Club 01Apr2015