This has been a spendier month so far. $250 for car repairs, 6 month car insurance payment came out, and I have scheduled an eye appointment to get a new Rx so I can order more contacts. Also have a minor medical procedure coming up in late August that I am sure will involve some out of pocket cost, though not sure of the exact amount yet.
On the fun spending side I finally decided to get a bicycle, to see if I can run more local errands on it when I don’t have time to walk several miles round trip and for another exercise option this fall if delta keeps getting worse. I found a basic used bike in good condition for $100 online and spent another $30 for a helmet and bike lock. Pretty sure I haven’t been on a bicycle since I was 12, but it came right back! Was not expecting how much it uses the butt muscles though, so I will probably need to do more practice rides closer to home before I venture too far into town.
On the saving side, I have started investing in a few Vanguard ETFs in addition to my 401K deductions, using the budget category that was previously going toward student loans. (Also reallocated some of that budget item to donations). I decided to just start on my own, and I will probably get around to finding an advisor to help rebalance things down the road when the world isn't so weird. I am splitting things between the VTI (whole US stock market), a large-cap ETF fund, and this month I am also adding a Vanguard small-cap fund. Down the road I might try to find a dividend-focused fund as well, but these three seemed like a reasonable way to at least get started in the market. My 401K is managed separately and can't be transferred to Vanguard.
Those of you who do your own investing- what do you choose? How did you decide?