Welcome to the second week in April and it’s finally time for March’s Financial Review and Net Worth Update.
 
For those who are new to The Grown-Up Pkmn Trainer, each month I write a financial review to xatu my net worth by writing down my thoughts on the previous and following months.  I share these summaries so everyone can gain insight into my personal finances and my thoughts behind them.
 
I started tracking my net worth to measure my progress, inspired by Budgets Are Sexy, which has helped me keep a keen eye on my personal finances.  I have been tracking my net worth since January 2015 and writing monthly financial reviews for myself since 2016.  I recommend both because they have been such helpful tools to watch my personal finances stat changes.

As I have been growing up I have noticed that my weekly schedule seems very busy.  Mondays I catch up with Monica, Wednesdays I have date night with my husband, and Fridays I watch the Nimbasa City Strikers.  Every week, I have the same routine scatterbugged with meetings and social gathering here and there.
 
My personal finances also have a weekly routine that lock-on to four different weekly events.  Each week I schedule payments, check my checking account, purchase date night’s dinner and buy groceries.

Welcome to March and it’s time for February’s Financial Review and Net Worth Update.
 
For those who are new to The Grown-Up Pkmn Trainer, each month I write a financial review to xatu my net worth by writing down my thoughts on the previous and following months.  I share these summaries so everyone can gain insight into my personal finances and my thoughts behind them.
 
I started tracking my net worth to measure my progress, inspired by Budgets Are Sexy, which has helped me keep a keen eye on my personal finances.  I have been tracking my net worth since January 2015 and writing monthly financial reviews for myself since 2016.  I recommend both because they have been such helpful tools to watch my personal finances stat changes.

Lifestyle inflation is the process of how we adjust our spending when we suddenly have more money than we are accustomed to.  Although lifestyle inflation can be handled responsibly, most of the time people refer to it as reckless spending and the habits created.  I get it.  It feels great to be able to reward ourselves by allowing us to do the things we deprive ourselves of.  Buying lunch while at work, purchasing a new tv or even getting a massage in Veilstone City.  If we don’t catch it early, these little rewards become part of our everyday lifestyle and can slowly damage our finances like a sand tomb.
 
We are going to run into lifestyle inflation no matter what, and it is our job to prepare for it.  Back in September, I received a $3/hour raise with the requirement to work a 40 hour week.  This gave my weekly paychecks an approximate $100 boost, after taxes.  Having an additional $400 a month to spend led to a sudden battle with lifestyle inflation.  The way I battled and caught lifestyle inflation in five steps was to relax, aspire, reflect, strategize and stay calm.

Welcome to February and just in time for the first post of the month, it’s time for January’s Review and Net Worth Update.
 
For those who are new to The Grown-Up Pkmn Trainer, each month I write a financial review to xatu my net worth by writing down my thoughts on the previous and following months.  I share these summaries so everyone can gain insight into my personal finances and my thoughts behind them.
 
I started tracking my net worth to measure my progress, inspired by Budgets Are Sexy, which has helped me keep a keen eye on my personal finances.  I have been tracking my net worth since January 2015 and writing monthly financial reviews for myself since 2016.  I recommend both because they have been such helpful tools to watch my personal finances stat changes.

Whether I am playing the video games, the trading card game or other RPGs, there comes a time when my naturally formed team needs direction and training.  This usually involves determining my team’s strategy and replacing the pokémon that doesn’t quite fit.  I am currently playing Ultra Sun and I determined that my lycanrock needs to be replaced.  Her low defenses cause her to faint before she does any damage.  Luckily there are many pokémon of different types and species that can fill her position on the team.
 
In Part I, I discussed that in June 2017 a sludge wave hit my financial pokémon team when our rent checks were stolen.  While recovering from the damage, I learned I misunderstood my team’s strategy.  I needed to replace my servine, nicknamed Income, with a Checking pokémon to strengthen my team.  That meant I had to replace my system of different bank accounts made up Income.  Just like the multiples of pokémon, there are also numerous types and species of financial accounts.  This is how I found the ones that worked best for my team.

Welcome to December!  The first post of December means that it’s time for November’s Review and Net Worth Update.
 
For those who are new to The Grown-Up Pkmn Trainer, each month I write a financial review to xatu my net worth by writing down my thoughts on the previous and following months.  I share these summaries so everyone can gain insight into my personal finances and my thoughts behind them.
 
I started tracking my net worth to measure my progress, inspired by Budgets Are Sexy, which has helped me keep a keen eye on my personal finances.  I have been tracking my net worth since January 2015 and writing monthly financial reviews for myself since 2016.  I recommend both because they have been such helpful tools to watch my personal finances stat changes.

Now that Thanksgiving is over, we are officially in the holiday season.  Tis the season for joyous times with family and friends, an abundance of delicious and fattening foods, and extra reasons to spend money.  In my experience, this is the most challenging time for a lot of people to not cheat on their diets and budgets.
 
Diets and budgets are a bit like the attacks ice ball and rollout.  They may be different types, but they basically do the same thing.  The more times the user hit’s their target, the stronger the attack grows.  If the user misses, just once, it feels like they are starting over from the very beginning.  Unlike the attacks, the goal of my diet and budget are to make them a part of my permanent lifestyle, so if I do mess up I don’t have to start all the way back at the beginning.
 
However, there is long battle ahead of me before I reach that goal.  Whenever I cheat, it lowers my attack’s power and makes the battle longer.  There are three ways that I typically cheat on my budget, planned cheating, spontaneous cheating and last-minute cheating.

Welcome to the second half of November!  I know I have been quieter than a whismur, but I am back and ready to talk.  So, let’s pick up with October’s Review and Net Worth Update.
 
For those who are new to The Grown-Up Pkmn Trainer, each month I write a financial review to xatu my net worth by writing down my thoughts on the previous and following months.  I share these summaries so everyone can gain insight into my personal finances and my thoughts behind them.
 
I started tracking my net worth to measure my progress, inspired by Budgets Are Sexy, which has helped me keep a keen eye on my personal finances.  I have been tracking my net worth since January 2015 and writing monthly financial reviews for myself since 2016.  I recommend tracking net worth because it has been such a helpful tool to watch my personal finance stat changes over time.

At the end of each month’s financial review, I have a section with a few notes about my net worth.  These notes reference things that I want to be clear body clear with my readers about.  I feel it is important to point out that my net worth only tracks my personal assets and liabilities and not my husband’s finances.  I don’t include his finances because we have not merged our finances.  Even with our recent wedding, we don’t see a reason for us to merge them right now.
 
Treating each other’s financial pokémon teams like we do our battling pokémon teams has been working well for us these past five years.  We discuss them often by talking about our problems, ideas and are open to making and listening to suggestions.  We understand the basics of each other’s team, how they function and each other’s strategies behind them.  When it comes to battling our finances, we do it individually and make the battling decisions ourselves.
​
This works for us for various reasons. We have different strategies and goals.  Separate finances assist us when we are both freelancing.  Our current system is equal, fair and we trust each other to control our own teams.  Plus, we can always join forces for an occasional Multi Battle.