Later On

A blog written for those whose interests more or less match mine.

Violet to start the year, and a commitment to Progress

with 5 comments

A late start, as seems appropriate for New Year’s Day. Some sleeping in, but then some tending to tasks: rotate the mattress, for one. (I alternate rotating and flipping the mattress each calendar quarter). Then reading my email sent 1/1/2020 that arrived this morning (using FutureMe.org), and writing a letter to FutureMe that will be delivered 1/1/2022: goals, predictions, current situation, and whatnot.

I also reviewed my budget, taking a look at actual expenditures over the past year and planning for the coming year. I have a Google Sheets workbook, based on my Within Your Means budget idea but adapted as needed. (See: “My Implicit Spending Almost Did Me In.” The spreadsheet described in the article can be downloaded in Exel format, which also works in Google Sheets and Apple Numbers.) I tinkered with the spreadsheet some, adding some running totals to better track and control day-to-day and week-to-week spending.

The Eldest recommended the book Atomic Habits, which seems just the ticket for a time of year when we are reconsidering our habits and thinking of improvements we might make. The reader reviews are impressive (especially the one that provides a detailed outline of the book), and it’s currently in my shopping cart. I’ll probably buy it next week.

So I’ve had a busy morning, and I rewarded myself with a pleasurable shave. Violet is a wonderful floral fragrance, and the lather from Jabonman’s Eufros shaving soap seemed especially good today in all respects. The Progress is my favorite adjustable, and it generally is well behaved, but I did get some nicks on the upper lip today. My Nik Is Sealed took care of that quite handily.

A small splash of the Vanille Violette EDT as an aftershave, and the new year is looking pretty good.

Written by Leisureguy

1 January 2021 at 11:59 am

Posted in Books, Daily life, Shaving

5 Responses

Subscribe to comments with RSS.

  1. Sounds like you’ve had a successful launch into year 2021. I share your positive thoughts about the Merkur Progress adjustable razor. I also share the practice of rotating mattresses once a calendar quarter.

    The mattresses I’ve seen in the past 8 or 10 years do not lend themselves to flipping. They have only one side that is designed to sleep on, so all I can do is to turn the mattress end to end. (I don’t consider that to be progress, spelled with a lower case p.) You must have an earlier mattress. The older mattresses IME lasted about 15 years or so. I understand the newer mattresses last a shorter time, presumably because the longevity-enhanced practice of rotating and flipping has been restricted by the newer design.

    I have a 1921 Gillette New Improved razor in “triple plated silver,” the date confirmed by the serial number. I plan to shave with it all next week, the first week of 2021. How awesome is that? Nostalgia is one of the 7 joys of life.

    I wish you health and wealth during 2021. I enjoy your blogs.

    Like

    Steve Riehle

    1 January 2021 at 6:35 pm

  2. Double-sided mattresses are still available, it seems. The Wife did a LOT of research before we bought ours — high end, with wool, pocket coil construction with edge-to-edge pocket coils, handles on sides and ends to facilitate transport and flipping and rotating. At the time (2017) they seemed expensive, but considering I use them roughly 8 hours a day 365 days a year, the amortized cost over the life of the mattress is pretty low.

    I really like a double-sided mattress.

    That’s very cool that you’re using a century-old razor. 🙂

    Like

    LeisureGuy

    1 January 2021 at 6:54 pm

  3. One man’s progress, is another’s weeper.

    Like

    Larry

    2 January 2021 at 1:25 pm

  4. Michael, I really enjoyed your financial article. Lots of wisdom there. I don’t like debt. However, we are starting a new 15 year mortgage (2.6%) in February. I will turn 45 and my wife will turn 40 this year. My car is paid off, but we have four years left on my wife’s 5 year car loan. However, I decided a long time ago that I can spend my working life aggressively paying down new car loans in 2-3 years, or keep the low interest car note for the full term making the minimum payments, and instead put he extra money in my 401K (S&P 500) and probably come out ahead. I also don’t want to replace her car sooner than five years with the Sales Tax and transaction cost of buying cars more frequently. In other words, if it is paid off after 3 years, “honey, I want a new car.”

    Like

    Ryan D. Tucker

    4 January 2021 at 5:35 pm

  5. I can see the wisdom in that. And it’s good to max out your 401(k) contributions (which go in untaxed) if your employer is matching them, but do note that when you start withdrawing funds from the account they will be taxed as ordinary income. The means it’s also good to have after-tax savings, all of which are available to you (whereas only about 70%-75% (depending on your tax bracket) of the 401(k) fund total will be available — the rest will go for taxes.

    Of course, with 2 cars and a house the amount of money put aside to cover the implicit costs (maintenance, repairs, and replacement) can be quite substantial. One of the benefits of that worksheet — which I’d do somewhat differently if I were doing it today — is that those costs can be seen and totalled. I keep those in a savings account, so the savings account total looks quite healthy, but of course much of it is in a savings account only temporarily (as became clear when I withdrew $2200 las month to get a new computer to replace the one that suddenly died—well, “suddenly” after 6 1/2 years of use)..

    One major benefit of living in a country with a good healthcare system is that my out-of-pocket expenses for healthcare are zero (though I do have to pay for prescription drugs — which, fortunately, I was mostly able to discontinue one I reformed my diet and exercise).

    Like

    LeisureGuy

    4 January 2021 at 6:22 pm


Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

%d bloggers like this: