A Month of Expenses in a HCOL Area (on a Non-Engineer’s Salary)

As I’ve mentioned about a million trillion times on this blog, I live in a high cost of living (HCOL) area. This area, the San Francisco South Bay, is known for Silicon Valley, computer engineers, and start-ups that make a shit-ton of money. I go to the gym with people who work for companies like Apple, Google, and Facebook (and Z-berg himself showed up on Sunday). The parking lot is full of Teslas, and I recently overheard a guy who couldn’t have been more than 23 talking about buying a house for his mom (which–that’s really nice–but also–23??? Dang!). Lots of people move to this area to take high-paying jobs at these companies. 

I am not one of those people. 

I work in education. And while I get paid more than the average public school teacher* in the United States ($60,483), I don’t make the type of money a Google person does ($112,849 average, as per payscale.com). I thought it would be fun to do a breakdown of what life can be like here on $72k/year.

RENT – $1351/month or $16,212/year (EXTREMELY LOW for this area)

I am very lucky in that I was able to get an apartment in a building owned by my employer.

Although this has come with a number of problems (for example, lying about available parking, having a July 1st lease start date but not actually getting into the apartment until August 8th because the unit was being renovated and no one bothered to double-check the unit # with the new leases, showing up on a Friday afternoon after being assured I would have keys and then waiting to try and hunt down someone who could help us find temporary housing, finally being told we could move in and then being given the WRONG KEYS, having the toilet installed incorrectly–BUT I DIGRESS), the savings in rent more than make up for the parade of problems I had just trying to move in.

I currently pay $1351 a month for a 417 sq ft studio that is walking distance from my workplace (1.3 miles or about 25 minutes depending on traffic lights). The average monthly rent of a studio or one-bedroom within a reasonable walking distance of my job (reasonable = less than 1.5 miles) is currently hovering around $1800 on craigslist. As such, I’m paying about 75% of what I would have to pay if I wanted to move somewhere not owned by my organization

And to be clear, that $1800 would be going to a real piece of work, if you get my drift. I’ve heard horror stories from others who live in the area about what basically sound like dorms owned by slum lords. My unit has at least been newly-renovated, even if I did have to wait five weeks for it to finish. 

This sweet living situation does come with some caveats, though–because of my rank, I’m only technically eligible to have this apartment for one year. Although some of my neighbors in the building who are of a similar rank have been able to stay from three to four years, it’s not something that’s guaranteed. I hope because of the very small size–studio–that not many other new hires will be interested. There are three open units in the same building, and I think they all have at least one bedroom. Because of this, I’m keeping my fingers crossed that I’ll get to keep my apartment for one more year. I should know for sure by June, but I’m making sure I have enough money stashed away to cover moving expenses, just in case. 

If I lose the unit? Well, that just further cements my decision to limit myself to about two years in my present position before moving on to somewhere else. 

Why two years? That’s how long it takes to be fully vested in the organization’s retirement program. If I stay for two years, I get my ten percent–that’s ten percent free money, not even a match, that I walk away with if I stay here for that long. But if I leave before those two years are up? Zero. Zilch. Nada.

I also got paid a moving reimbursement to bring myself over here. And by reimbursement, I mean they took out payroll taxes as if it were a bonus (which, had I known, I would have overestimated–nothing like paying payroll taxes on purchases I paid sales tax on that were bought with money I already paid payroll taxes on!).

Additionally, the phrasing of the moving reimbursement document was something about how I may have to pay back the moving reimbursement if I leave my job before two years are up. I’m choosing to interpret that may as a will.

TRANSPORTATION – ~$1160/year including two oil changes but not including major service or tires

Last month I had the joy of switching over my license and registration to the great state of California. This whole process, from smog check to license fees to registration fees, cost a total of $368. Luckily I won’t have to do this every year, but it was quite a bit more than the $100 it cost me in Colorado. 

Gas is also much more expensive here–according to AAA Colorado, as of last week, gas was going for about $2.73/gallon in Denver (although, since I’m not actually there, I can’t confirm this). Gas at the cheapest gas station in the area here in CA is around $3.90 a gallon. So, it costs $1.17 more per gallon, or about $14 more per tank, for gas. And while I can walk to work, a lot of other places–the gym, for example–require driving. 

I’d love to take the bus more here, but unfortunately none of the routes are very convenient. It would take me an hour and a half with two transfers to get from my work to the gym, but it’s only a 20 minute drive. So, in that instance, driving wins. 

HEALTH INSURANCE – $52/month or $624/year

I get health insurance from my work. I went with an HMO plan, so my options of where to receive care are a little limited. However, one of their super complexes is within a 15 minute drive from my apartment, so making plans to receive care has been relatively painless. This is the second-most expensive plan my organization offers, and I chose it because it has no deductible. 

 Why don’t I have an account that offers an HSA, as many personal finance gurus suggest for healthy individuals? To explain, a Health Savings Account (HSA) is an account that allows you to pay for medical expenses with pre-tax dollars. These accounts are associated with insurance plans that have a high deductible–the idea is that you pay lower premiums in exchange for a higher deductible, but you have the opportunity to save money to meet that deductible. When you contribute money to an HSA, you lower your taxable income.

Unfortunately, only one insurance plan through my workplace offers a high deductible with an HSA option. INTERESTINGLY, it’s a PPO plan–you choose your own doctor, as long as they’re in-network–which are always more expensive. So, in order to have an HSA, I’d been spending twice as much on insurance premiums per month in exchange for a higher deductible, all for the sake of being able to lower taxes. 

I’ll take my half-cost premium with no deductible and $1500 out-of-pocket maximum, thanks. 

And to be fair, I’ve been totally happy with my HMO so far. I’ve had four visits for various reasons, and I’ve paid a total of $20. 

GROCERIES – $200/month or $2400/year

I was surprised at how expensive groceries are here. I remember the first time my partner and I went to the grocery store and being shocked that there were no boxes of cereal that cost less than $4.00. Food and cleaning supplies are significantly more expensive here than they were in Denver. 

After being here a few months, I’ve started discovering the best ways of tracking down my grocery deals. Trader Joe’s is good for packaged items like my coffee, English muffins, and vegan butter, although they never really have sales. Sprouts is good for produce, but only when it’s on sale; if it’s not on sale, but is something I have to buy a full pack of at TJ’s (for example, carrots or mushrooms), it’s also best to buy at Sprouts. Safeway is only good when I have digital coupons. 

One argument against piecemeal shopping like this is that it wastes more gas; however, Safeway is next to my work, Sprouts is on the way home from my gym, and I only go to TJ’s once or twice a month. The savings more than make up for any extra gas or time spent. 

UTILITIES – $30/month for gas and ????/month for electric

My house is heated by gas, and since my apartment has no insulation, I run the gas heater for about 30 minutes on weekday mornings so I don’t freeze to death when getting dressed (I run cold, and my apartment is usually in the low 60s when I wake up. Not exactly Antarctica, but too cold for me!). In the summer, heat was only $9 a month; last month, it was $20. This month I’ve budgeted $30, since I’m using the heater more. 

Electricity is the real question mark. I live in a city where the electric is municipal–this has been great, because we were not subject to the same blackouts that others in CA recently underwent. However, since it is a government agency, things aren’t always quick to happen. I called and set up my account in August; I am still waiting for my first bill. I’ve called twice, and both times I was assured that everything is fine, and that I would “receive a bill soon” that would be “higher than usual” because it would “reflect the cost of service since starting.” This was about three months ago; I’m hoping to get this bill sooner rather than later, because I honestly have no idea how much my electric is going to cost me. I don’t have a lot of appliances, but still…

OVERALL

Overall, the biggest asterisk to my budget is my rent. Because I receive such a large discount, I know my experience in the south bay is drastically different than most others (including most of my coworkers). With my partner overseas, living by myself in this area is a huge luxury. However, it’s a luxury that is not guaranteed to last; as such, I’m trying to keep my budget low enough to cover what rent will be if I get kicked out of my unit. Right now, that budgeted money is going to student loans and retirement; I have the option of re-routing next summer if I need to.

While I’m doing OK, this area is not all it’s cracked up to be. I make $72k/year, but that’s not what the job started at; originally, they were advertising my position as low as $60k (to which I said–there’s no way I could take this job for that money). That’s also the starting rate for a very similar position that my organization is currently trying to hire for.

If someone is moving here without a partner, I honestly don’t know how they could comfortably support themselves on that salary. They’d either have to live with at least three roommates or have a two hour commute everyday, I guess (both things are true of my coworkers). That’s combined with the fact that my workplace wants someone with a master’s–so there’s the issues of student loans as well.  

I know I’m lucky to be able to have this job and live in this area making the amount that I do. However, it’s only possible because of this discount on rent. If I hadn’t been eligible for employee housing and received a pay bump, I would not have taken this job. The cost of living would have just been too damn high.

* I am not a public school teacher, but I have mad respect for those of you who are. I worked in a public elementary school running a tutoring center from Jan through May, and that was more than enough for me!

Open Grocery October 2019

Last month I made the first post in a series called Open Grocery. Every month, I will share a spreadsheet with all of my grocery purchases–dated, itemized, and notated. 

Not my groceries! Photo from pexels.com.

Why am I doing this? 

For one thing, I think it’s interesting to see patterns in my own spending. Is there something I’m spending an inordinate amount on that’s unnecessary? Are certain items flukes? Am I buying too much processed food and not enough fresh food?

Also, lists and spreadsheets are fun. And it’s nice to have some cold hard statistics through this blog, which often explores topics that Gaby Dunn referred to in Season 2 Episode 1 of her podcast Bad with Money as “Finances and Feelings.” 

If you’d like to get into the cold hard numbers, they’re available on this Open Grocery 2019 Google Sheet

Here are some fun facts from the last two months:

I spent an almost identical amount on fake meat products in October as I did in September.

In September, I spent $12.67 on various meat substitutes (LightLife burgers, hi-protein veggie burgers from TJ’s). In October, I spent $12.96 on meat substitutes (more hi-protein veggie burgers, tofurkey lunch slices). Because fake meat is generally more expensive than natural vegan proteins like tofu or beans, this was something I was planning on cutting out in the future; however, $13 is doable (especially when I get 26 grams of protein from one $1.75 veggie patty). 

I spent more money on alcohol in October than I did in September.

This one doesn’t surprise me. My partner left Germany at the end of August, and I just ended up not really drinking after he left. I figured it would just make me sad. Now that I’m used to the life of a lonely spinster (ha ha ha), I’ve started drinking a teensy bit more. In September I bought a bottle of wine; in October I bought a six-pack of beer and one can of sparkling wine (WOOO). Like the fake meat, this amount isn’t so large that I feel the need to cut back. 

I discovered that Safeway digital coupons don’t always depict the correct products. 

One of my downfalls from last month were coupon errors. As in the case of the Chocolove bars, sometimes the coupon shows an item, and we think we understand what it’s for, but the fine print indicates otherwise. This also happened with my Outshine fruit bars–the coupon was for only the regular fruit bars, not the chocolate-dipped ones (even though they’re the same price, you just get one less bar). I had this happen with a yogurt too (I think it was only for one specific flavor). Anyway, I did save myself from one coupon mistake this month–for cereal. For the past few weeks, I was eating Safeway Signature Select Raisin Bran (or Raisin Granola Clusters, or whatever the hell they call it). I got a digital coupon for a Signature Select cereal, and the cereal I usually ate was on the picture. Yay! However, after reading the fine print on the coupon, I saw it was only for cereals from 11.3 to 13 oz. But my Raisin Bran was over 14 oz. And they don’t make it in any other sizes. So the picture didn’t actually match the coupon. 

IT WAS A RUSE! A CLEVER ATTEMPT TO TRICK ME!

So now I’ve learned to read the fine print on every coupon at Safeway and never take anything at face value (sigh). Also, I eat oatmeal now. 

I spent more money overall in October than I did in September.

In September, I spent a total of $196.12 out of a budgeted $200. In October, I spent a total of $218.84, which is $18.84 over what I anticipated spending. There are two things that stick out in my budget that I think caused this over spending–pea protein and carrot cake supplies.

I recently had an appointment with a Registered Dietician (yet another perk HR gives us in exchange for not paying everyone a decent living wage in the HCOL south bay). After spieling off my laundry list of dietary issues (egg intolerance, possible soy intolerance, IBS, vegetarian), she suggested pea protein. Trader Joe’s had it the cheapest at 16.5 oz for $11.99. So, that’s $12 outside of what I usually eat. If I weren’t an athlete, I wouldn’t care; however, if I ever want to send V7 (climbing grade), I need to make sure I’m fueling myself properly.

Additionally, I wanted to make carrot cake. I had some coupons for supplies at Sprouts, but I ended up not being able to access them. Like many grocery stores, Sprouts has a rewards program/coupon situation. However, unlike many grocery stores, you can’t just type in your phone number on the keypad; you have to open the Sprouts app and scan a barcode in order to access your coupons. While I was in line, the app logged out. Then the app froze, and I couldn’t log back in. There were only two cashiers and I started to get really flustered because the line was really long, so I just gave up and paid full price for everything. THANKS, SOCIAL ANXIETY!

(Also, Sprouts, seriously, just let me put in my damn phone number.) 

(Also, if you’re still reading this, the vegan coconut-based frosting was super gross. Next time I’ll just get confectioner’s sugar, vanilla, and earth balance.)

So yeah, my grand plan of trying to get my grocery budget down to $175 for the month did not go well. 

Was this a huge problem? No. The $200/month is a limit I set for myself in order to help maximize the amount of money I put toward things like savings and student loans. I am very fortunate in even having the option of overspending on groceries; many people (my family in my childhood, for instance) don’t have that option. However, I am still committed to getting my grocery bill down (which honestly, if I just ate all the crap in my cupboards, I would probably spend like $10 on other groceries).  

Can I meet my $175 goal in November? LET’S FIND OUT!

Reallocating, or, Changing Your Spending Plan Categories

When you first start reading about personal finance, there are several big pieces of advice that you’re given to follow: pay off high-interest consumer debt, create an emergency fund, and invest in your 401k (especially if it comes with an employer match–free money, baby!). 

But what do we do when our financial reality changes, and it seems that we’ve possibly met some of our goals already? How do we choose how to change our spending plans?

Much like this chimp, I have some thinking to do. Image from pexels.com.

I recently took a look at my spending plan to tweak my in-case-of-emergency expense totals. In the event that I am laid off, how much money would I need to support myself, and what expenses would be sacrificed first?

There are some obvious ones–goodbye, climbing gym membership and Netflix–but there are some other expenses that aren’t as straightforward. For example, my housing is tied to my job. The organization I work for owns the building in which I live, which means I get to live in a studio in a HCOL area that costs about 2/3 of what rent would be if I paid market rental rates. This works for me as long as I keep this job. However, if I get laid off or choose to leave this job, I have 30 days to move. 

My current emergency account is calculated based off of keeping this apartment. However, if I were laid off from my current job, I know I wouldn’t want to look for another one in this area. No offense to all of you who absolutely love the south bay, but I haven’t exactly fallen in love with the area–I miss the Rocky Mountains, and snow, and not having to take more than one flight to see my family. None of my family lives in the area, and I have no “deep connections” to anyone or anything here–as such, if I lose this job, I would just move somewhere cheaper. 

At my current rent, I have 4.93 months of expenses covered. But is my monthly rate even accurate, if I would move anyway? Do I need to calculate at my current rental rate, or could I calculate at a lower one? 

More importantly, what would I do if I lost my job right now?

That’s pretty easy. I already have a ticket to Germany for December; I’d probably max the 30 days in my apartment here while putting in as many job applications as possible, throw all our furniture into monthly storage, and then fly out to the east coast to hang out with my family* for a month before heading to Germany to see my partner. And if I didn’t have a job by then–either back to mom’s to help her prepare her house to sell, or maybe spend some time job hunting while traveling in some low-cost locations.

Long story short, I had several numbers in my head. The first was six months of living expenses at my current rate. The second, which was higher, was $15,000. Why 15k? It covers a little over six months of my expenses, is enough to buy a new-to-me car if my 2007 Yaris decides to finally call it quits, and, frankly, it just seems like a nice big round number. But is that excessive, and is there a better way in which I could be using my paychecks? I’m currently throwing all this into a high-yield savings account, but at 1.8%, it’s not exactly the ideal place to make my money work for me. Additionally, I’m already on track to max out my IRA contributions for the year. So where should it go?

The way I see it, I have three main choices: put this money toward student loans, retirement, or invest. 

Student loans seems like it should be the obvious choice. I have over $40k of student loan debt at an average interest rate of 6.3%. As many financial advice books say, paying off student loans early is a guaranteed return–I won’t be losing any money, and I’ll have to pay these off eventually. At the current interest rate, though, it’s hard to decide–is my rate low enough to make me comfortable paying through the full 10 years, because the gains I would make in my other accounts would be more? Or would the money I lose to interest eat up anything I would make elsewhere? 

But there’s the psychological effect too–this $42k is hanging over my head, dragging me down and making me feel like I am in a financial panic, even though I know, logically, that I am not. As I’ve mentioned before, I’m pretty high strung, so maybe the sense of relief that would come with removing this debt faster would be worth the potential losses in other accounts. 

Another place my money could go is into retirement. I currently have a 401(a) retirement account with my employer. I do not receive any matching; they just give me 10% of each paycheck into that account. As long as I stay for two years, all that money is mine. I do, however, have the option of also starting a 403(b) account. This would use pretax money, so not only would I save for retirement, I would also lower my taxable income (which would be great, because, as I’m discovering, CA has a shit-ton of taxes–the highest income tax in the nation, to be exact). I just have to be comfortable knowing I can’t touch this money for about 27 years–although retirement savings is a long game, is it not?

Finally, this money could go into a non-retirement investment account. I would love to FIRE or FIOR, and an account like this would let me withdraw money before 59.5 without any penalties. As such, I could invest and know that I could access this money at any time. However, with that freedom also comes responsibility–namely, things like tax-loss harvesting and capital gains tax and a bunch of other shit that I have no idea what it is. Even though I keep trying to read more books, I still have no idea what I’m doing. So the thought of investing in an account like this still seems very overwhelming. I’ll get to that point… one day. But right now, I have a lot of other things on my plate to deal with. 

Besides, I have my Roth IRA. And though I know I shouldn’t touch that money until 59.5, knowing that I can access the deposits I’ve put into it, in case of emergency, does make me feel a little better. 

So what should I do? Loans, retirement, or non-retirement investments? 

I’m going to open a 403(b) for half of my emergency fund money, and put the other half toward student loans. I guess I just want to have my cake and eat it, too.

Realistically, though–with my interest rate, it’s hard to make a confident call. And although paying off my student loans early would give me some sort of psychological comfort, I would also have to face the reality that I put my retirement savings on hold, so when my loans are paid off, I wouldn’t have anything left to show for it. 

I currently have $500 going toward my emergency fund–I still plan on funneling $100/month toward it, but $200 will now go to a 403(b) and the other $200 will go to my student loans. This $200, plus my 401(a) money, plus my IRA, puts me at retirement savings of about 29% of my take-home pay. And $200 added to my current student loan spending plan amount is about $750, or about 150% of my estimated required payment**. I’ll be able to make a payment and a half each month. 

The whole point of this post is realizing that your financial goals may change–and that’s ok! Checking all your accounts every day might not be the healthiest thing to do, but every once in a while, you should look at your accounts, look at your numbers, and ask yourself: What would I do if I got fired this instant? 

See how you answer that question, and adjust your financial goals accordingly. 

* I recognize that the ability to just say I would go hang out with my mom is definitely a privilege–a lot of people don’t have that as a viable option, either because they don’t have any living family, or they have a bad relationship with their family, or their family simply couldn’t help support them. However, not only would my mom be absolutely thrilled to have me back for a little bit, but she would also get a bunch of labor from me in regards to cleaning and fixing the garage, painting, helping put down new carpet, etc. etc. etc. 

** This payment is estimated because my loans are still in their grace period. I graduated in June but won’t be required to make payments until January. However, I’ve used some calculators to estimate what my payment will be and have already budgeted for it/started paying these loans back. Once January rolls around, I’ll know the actually payment amount, and maybe consider refinancing with a lower interest rate.

No More Using the ‘B’ Word, or, Changing the Language Around My Spending Plan

For the past two years, I’ve kept a budget.

And by budget, I mean a breakdown of all my monthly expenses, their estimated costs, and lists of every single purchase I’ve made. These lists include information such as date of purchase, whether it was paid for via credit or debit, and whether or not it was in the budget. I also keep a tally of how much money I put each month toward student loans, savings, retirement plans, groceries, and gas, and recently have started listing every single grocery item I buy. If you asked me what I bought on July 11, 2018, how much it cost, and how I paid for it, I could tell you (shitty toll for when I accidentally missed my exit and the highway turned into a toll road, $8.30, credit card)

However, I’ve recently been thinking that the word “budget” just feels too… restrictive. Not restrictive enough to make me stop spending money sometimes (some consumer goods transcend issues of semantics, apparently), but restrictive enough to make me feel like I’ve done something wrong if I spend money outside of my planned monthly bills. 

Some personal finance gurus would say that I have, in fact, done something wrong. Every dollar should be accounted for, and each one of these “little green men” should be put to work. The work could be in a savings account gaining 1.80% interest (thanks for lowering the rate again, Ally) or being used to decrease my student loan debt. The reality is I have hobbies, and I like to spend money on them. I can be interested in personal finance AND make art, damn it!

In the words of Walt Whitman, I am large! I contain multitudes!!!

Does this count as a hobby? Image from pexels.com.

If I want to spend $20 on some new paints and brushes, I shouldn’t have to beat myself up for it. After all, if I don’t cultivate my hobbies now, what the hell am I going to do when I hit my FIRE goal? An article in the Wall Street Journal from earlier this year describes how not having a solid out-of-work life can affect workers when they retire: “Without the purpose of fulfilling work, retirees can feel adrift and become depressed. Without the camaraderie of their co-workers, retirees risk becoming socially isolated. Without the intellectual stimulation that work can provide, retirement can accelerate cognitive decline,” (Although I have to point out this article is from the Wall Street Journal, who probably has a vested interest in squeezing every last drop out of worker bees as possible…).

I think there’s a point between being financial savvy and completely losing your sense of self. 

And if keeping my sense of self requires supplies so I can make art, then I am damn well going to spend that $20. Besides, I’m investing in hours of entertainment and pleasure. 

And I’m not throwing myself completely out the window financially, either. I have my savings accounted for in this spending plan. My trifecta–$500 to my IRA, $500 to savings, and $550 to student loans–is automatically taken out at the beginning of every month. These amounts, combined with the $1351 I spend on rent for my 400 sq ft studio, account for 66.5% of my take-home pay. And that $500 in savings doesn’t include the $100/month I’ve planned to cover any travel expenses; I bookmark this money to go into a special account every month, so when I want to take a trip, I don’t have to feel guilty about using it.

(Although I just bought an $1850 ticket to Germany to visit my partner over Christmas, and having the money in a separate fund didn’t make me feel less anxious about it. Now that the initial band-aid has been ripped off, though, it’s not so bad.) 

All in all, I’m not doing that bad. My spending plan is comprehensive enough that it covers all my bills, including the ones that vary from month-to-month. And I have a tendency to grossly overestimate those, too. For example, it currently costs about $35 to fill up my 2007 Yaris here in CA. I have budgeted $70/month, or two tanks, for gas. However, since I walk to work, I use very little gas. Most of my driving involves going to the gym, a park to hike, or to Oakland to visit my best friend; as such, I very rarely meet that $70. 

However, if I lowered it to the true average–$35–but spent more than that, I would feel as though I had committed some horrible crime against myself. I would be something that I find inexcusable–an irresponsible person

I may be irresponsible in some aspects of my life, but finance is not one of them.

(At least not now, anyway, since I’ve learned how to handle money.) 

And some expenses that would have been labeled as “Out of Budget” on my previous spending plan are actually expenses that (a) I can afford and (b) genuinely make my life, and the lives of others, better. For example, I recently got accepted as a volunteer at a large animal nonprofit in my area. And by large, I mean there’s a volunteer force of over 1000 people. These volunteers all need training (and t-shirts) in order to volunteer with this organization. As such, volunteers are requested to pay $40 when they undergo training. I very happily paid this $40 (plus an extra $10 donation), because I want to help with this organization and I’ll have my time occupied doing something I enjoy for three hours a week for at least the next six months. And if I want to continue my tenure, I can do so without being re-trained. For me, this $40 is an investment that will greatly enrich my life (not to mention allow me to finally love on some animals without violating the terms of my lease). 

This may not have been budgeted, but it does not break my budget. 

So, in sum, I’m changing my budget-based vocabulary to one that frames my money situation as a spending plan

This is how I plan to spend the majority of my money. And as long as I utilize my money in accordance with my spending plan, then I can do whatever the hell I want to with the rest. And what does that look like?
Some months it might all go into savings or student loans. Some months, like this month, it will go toward car registration and a dang haircut. And some months I might spend an extra $20 on fucking paint, because my sanity and joy is worth it. And that’s totally OK.