Behold, the Updated Locations Spreadsheet (and an Update on my Location)

Before I jump into things: If you happen to be reading this right after it drops, here’s a quick PSA (directed to readers who are also in the US, but relevant to anyone living in a democracy) – VOTE VOTE VOTE VOTE!! We all have a civic duty to stay informed and participate in our democracy. Please vote in Tuesday’s election if you haven’t already voted early. Research your candidates, and understand what they stand for. And critically, please vote as a citizen and not as a consumer. Voting (in my opinion, but this is my blog, so that’s all you get) is a profound act of participation. We are making our voices heard on what we think is best for our country and our fellow citizens.

This likely means acknowledging that the vast majority of those fellow citizens have had very different life experiences than you and that the stakes are higher for many of them each election than they ever will be for you. That can be an uncomfortable experience, but it’s one worth having. If you’re treating your vote like an Amazon purchase (picking the person that promises you what you want and what will help you as an individual, even if it hurts those more vulnerable than you and by extension our country as a whole), you’re doing this wrong. And our country needs you to do better if we’re going to survive. This PSA will make more sense later in this post. Ok, now onto the spreadsheet.


In 2019, as I was leaning 100% into my career change and planning to leave DC, I made a spreadsheet to help me decide where to move. I wrote a post explaining the rationale and how to use the spreadsheet. Even though I haven’t been on the blog much in the past few years, that remains one of my most popular posts, and I still consistently get people emailing me who have questions about using it for their own search. I’ve even recommended it to a few clients (with the caveat that it wasn’t official financial advice 😂)!

The Spreadsheet Update

A few months ago, someone reached out and specifically expressed that they were having issues actually customizing it – adding categories and cities. Which is exciting! Because someone is using it!

When I went back to look at the formulas, I realized there were some shortcomings in the setup, so I decided to make it easier to customize the inputs. This post walks through those new instructions, assuming you are already familiar with the general purpose and concept of the original sheet. If you’re not, go back and read the original post!!

Now, if you go back to the sheet, you’ll see a few new things – highlighted in yellow (image below). You can input new cities at the bottom of the list, and new categories in the new columns added to the end.

BUT, for this to work and not skew the data, you also need to add some extra information. One of the tricky things when entering new data is that some data points are good in higher numbers (Walkability scores), while some are better with lower numbers (price per square foot for home buying). To account for that, you’ll now need to indicate at the bottom of the sheet whether your new category is “good” or “bad” so the standardization formula knows how to treat it. (Going back to my original post example, Batman would mark the crime column as “good,” while most people would mark it as “bad.”) You shouldn’t need to change any data or inputs to the right of the dark dividing column.

This reader was interested in adding categories for whether there were bike trails in a city and distance to a body of water. There were a few tricky things with those specific examples that I want to highlight. Keep in mind that for categories that don’t have numerical value (Y/N for bike trails, for example), you’ll have to change your answers to a number. So 1 for Yes, 0 for No, with the “good or bad” line marked as Good (if you’re measuring the existence of bike trails, the positive number is a good thing). You also can’t put in ranges for distances, but you could put in the actual distance to a body of water or a ranking (from 1-5 for example) for how close the city is based on your own distance scale.

Here’s a screenshot showing the changes, with new blank cities and categories and the “good or bad” row. The image also links to the customizable spreadsheet!

New blank rows/columns and conditional formulas! We’re getting fancy.

As a reminder, you can customize this to your heart’s content, but you’ll need to make your own copy first.

File > Make a copy!

If you do use the spreadsheet and either 1) update the data (these are all 2019 numbers…a lot has changed) or 2) add cities/categories, I’d love it if you could share that data with me or email me your updated spreadsheet/numbers!

The Me Update

(HARD turn from fun spreadsheets) After the garbage Supreme Court decision overturning Roe v. Wade that undermined our Judicial branch and the democracy that rests on it (if you think I’m overreacting, you’re not paying attention), I started thinking a lot more about whether or not I wanted to be in Ohio long-term. At a basic level, expansions of anti-abortion activist legislation could undermine my ability to have kids safely in a non-traditional or higher-risk conception/pregnancy. Or just any pregnancy. At the moment, Ohio’s “Heartbeat” bill is held up in the courts, but its future is uncertain. Additionally, and more fundamentally, I think there is something to be said for voting with my tax dollars. And when I first made my spreadsheet in 2019, I didn’t realize that my tax dollars might be supporting something like this (again, BECAUSE WE HAD PROTECTIONS THROUGH ROE V WADE). Ohio isn’t a utopia by any means, but if I were making my spreadsheet today, I wouldn’t have moved to a state that was actively trying to limit abortion access to SIX WEEKS.

The complicating factors? I have no intention of renting again. I also want my next home to be on more land, and ideally to be a property that I can grow in long term. And I’m not convinced I can afford that vision at the moment, especially with current mortgage rates. I’m loving my career change, but growing a business ain’t easy, and we’re not quite at the “Scrooge McDuck swimming pool of gold” level when it comes to my personal finances. So this is NOT an update saying I’ll be moving soon, but rather an update that I’m starting to *contemplate* moving *eventually.*

At the moment, the Minneapolis area of Minnesota is pretty near the top of my list, but I’ll probably update my spreadsheet categories to see if there are other hidden gems out there that have what I’m looking for. One definite new category: does this location still protect my fundamental human right of bodily autonomy even though I’m capable of childbirth? When a dead person has more rights regarding their body than someone who is pregnant, something is deeply wrong in our society.

Are there other factors you think I should consider when I update the spreadsheet for my search? Or other locations you think I should put into the running (nothing farther south than DC, or on the west coast, for weather and family proximity reasons respectively…). Comment here or shoot me a message!

Books of Q2 2019

blog post title books of second quarter 2019. open book owning the stars

It’s the end of the quarter, so it’s time for another book list! I read way more books than the first quarter of the year and more nonfiction specifically. Despite that, it’s worth noting that last quarter’s post was a chore to write. It seemed insurmountable. This post was a breeze, and I even finished and scheduled it several days early. I guess it just goes to show how taking care of mental health (and using medication as needed) can make a huge difference! I’m feeling better, and that shows in how much effort it takes me to do productive things in my life. It’s also definitely one of the reasons I was able to read more new books this quarter.

Continue reading “Books of Q2 2019”

Money Lessons from the Avengers

Y’all. I AM SO EXCITED FOR TODAY. If you don’t know why based on this title and the date, you probably won’t enjoy today’s blog post very much. In honor of the premiere of Avengers: Endgame, in which ALL CHARACTERS HAD BETTER LIVE, DAMN IT, I decided to distill all of the films in the franchise to their money lessons. Which, I’ll be honest, was quite the stretch in some places. And I couldn’t have done it alone; my BFF Lyra valiantly assisted to save the day with a number of these. Thanks, boo!

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Continue reading “Money Lessons from the Avengers”

January No-Spend Month: Recap

Last week, I wrote that I was doing a no-spend challenge in January. I’m really excited about how this went, and I saved enough money to pay off one of my student loan groups well in advance. It was an exciting accomplishment for January!

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I thought it’d be helpful to record what I did spend money on for the month. I don’t include some of my basic expenses like rent, pet insurance fees, medical expenses, cell phone, and electricity. I also left off any expenses that would be reimbursed by my work. I don’t feel that bad about leaving things out since I don’t report my spending monthly on a regular basis ;). The table below reports my spending decisions as well as notes about each expense.

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This article contains affiliate links. As an Amazon Affiliate, I get a small commission from purchases made through my links. This comes at no cost to you, and I only recommend items that I believe in (in today’s post, my recommendations are point discounts for purchases). Read more about my affiliate decisions here.

Without further ado:

PurchaseAmountNotes
FINRA exam registration$175The registration fee for my Series 65 exam, which I’ll take in February. First thing I bought in January, and definitely a worthwhile purchase!
Etsy shop fees$13.33Spent more money on Etsy fees than I made on sales last month…Hopefully this trend will reverse soon.
Charity donation$5An automatic monthly donation
Hulu and Internet$42.98About as low as I can get it…though next month, this will drop $2!
Airbnb$118.55A really great booking for my youngest sister’s graduation in May. And, they allow dogs, so I’ll save money on pet-sitting!
Transportation$42.91Gas, a couple of parking meters, and a Lyft when I couldn’t stand the idea of taking the Metro…
Credit Card annual fee$95I was going to cancel this one (my Delta SkyMiles card), but I don’t have status yet this year, and they offered me an incentive of 7,500 extra miles to keep the card.
Groceries$80.20Way less than my normal monthly expenses! While I did plenty of eating out of my pantry and freezer, I really didn’t want to deal with no fresh produce for a month. This covered the basics for the month.
Amazon.com (Airbnb gift card)$29.99
At the beginning of the month, I found an awesome deal where if you paid for your Amazon order at least partially with American Express credit card points, then you got $30 off an order of $60+. The great part is you only need to pay with at least 1 point. So I used 1 point on my $60 Airbnb gift card and got $30 off! It’s a great deal that is still active, so if you want to see if you qualify, check it out here. Bonus, there’s a similar deal with Chase Rewards points, but it’s only $15 off $60+. See if you're eligible here!
Auto maintenance$414.76Some weird sounds in my engine, plus an oil change. Thankfully there was nothing serious going on, but they did recommend some preventative maintenance. I love my auto shop because they don’t try to upsell me, so when they do recommend maintenance, I trust them.
Student Loans$235.51This is my standard monthly payment. It’s above the minimum requirement, but not by all that much.
Retirement contributions$200I contribute this to my Roth IRA--$100 with every paycheck. Even though I don’t max out my 401(k) yet, this makes more sense than contributing to my Roth 401(k) because I can get lower fees by investing on my own in low-cost index funds through Vanguard, instead of being limited to the smaller selection of funds my employer provides.
Vet bills$1165Ouch…StarDog and SunCat both had annual exams this month, plus vaccines, and stocking up on flea/tick/heartworm preventatives. A small amount of this will be reimbursed by pet insurance because we did some lab work on SunCat to check on her health after her scare last fall. And, I’m just relieved that they’re both healthy now!
REI$27They had a great sale…I couldn’t resist. I got some good travel accessories, though I’m still keeping an eye out for a good travel backpack.
Chipotle$8.25My cheat meal eating out as a reward for studying. No regrets.
Student loan payment$679.56This month, I paid off one of my student loan groups that has been a thorn in my side. It has the highest interest rate (6.55%) and has been taking way too long to pay off for such a low amount. I decided to pause some of my other savings goals and just get this wiped out. I don’t regret it at all. Now, the payment I used to make on this monthly will go to another loan with the same interest rate (my other highest).
Series 65 study materials$100Bought a practice question set for my exam...can't wait till this is over.
Charity donation$60Annual membership cost in my women’s education group—the fee goes to fund scholarships for women in higher education.
Total, omitting student loan additional payment, auto maintenance, and vet bills$1233.72I'm omitting the student loan payment because it was an optional payment that was made possible by spending less on everything else. And the auto and vet bills were both one-off large expenses that I couldn't put off till the end of the month.

Recap and Strategy

This kind of spending isn’t sustainable long-term, but it was great for a turbo-charged month of saving. And it felt really good to knock out one of my higher interest student loan groups.

Another big benefit of this no-spend month was having a goal to work toward. It felt good when I didn’t spend money, like I was winning at a game. And it made it much easier to focus on studying for my exam next month since I didn’t have money-spending activities to distract me…

A couple of things made this feasible–I had plenty of food in my freezer to work through; leftovers and broth and frozen vegetables. Working through those wasn’t fun but did help with my grocery budget. And freed up space in my freezer for future batch-cooking! I had dried beans in my pantry, which made for several meals. I did spend some of my grocery money on flour, so I was able to make bread several times during the month.

One of the most important pieces of this no-spend month was setting my own rules. I knew I’d be better able to stick with it if I built in one fast-casual cheat option (my Chipotle). I also knew that there would be things that just made sense to buy this month. Study materials, vet bills, and my Airbnb purchase. I wasn’t going to wait on these things just because it was January.

If you’re thinking about a no-spend month, think about the things you’ll need. Both in terms of prep and exceptions to the “rule.” I also highly recommend making sure you know why you’re doing it. On that front, I loved Cait Flanders’s book, The Year of Less. She’s a wonderful writer and human being.


Well, it’s been a fun month. I enjoyed seeing how low I could get my spending, and the grocery bill was especially low this month–usually it’s 3x higher in a regular month (though that includes staples like paper products).

I’ll probably do another month like this later in the year because I enjoyed the challenge. Any advice on hacking my monthly spending more? I’d love to hear it!

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Delaying Gratification and the Art of Sourdough Bread

In case you haven’t been closely reading all of my past blog posts, you should know: I really like to bake. I spend money on good flour, and I’ve collected far too much of my mom’s hand-me-down baking equipment over the years. I like baking sweet things, and I love cake decorating, but what I’ve enjoyed most in the past year is experimenting with sourdough.

Snow White baking pie

Continue reading “Delaying Gratification and the Art of Sourdough Bread”