Heeeey, so funny story: I apparently didn’t do a spending report last month? Oops.
So I guess it’s catch-up time.
Asterisks explained in each section.
Okay, well this was a super boring month. I put a whopping $1.08 into Saved Savings, paid $9.76 for Netflix and then there was $52.60 for my life insurance. (Yes, I will be canceling the insurance now that the mortgage is more or less paid off.)
Beyond the usual HVAC service plans (one unit on the main house, one on the guest house), this was all stuff for the house updates.
Notably, $375 was for the shower doors. Another $60 went to a pedestal sink and about $69 for some cool new art. The rest was dribs and drabs: bathroom lights, medicine cabinet and so on. And yeah, it added up big time, but I also got a whole lot of stuff. So I’m okay with it.
Asterisk here because I also spent $15 cash — accounted for in another spending report when I withdrew the $20 — on a medicine cabinet.
Laundry & Pet
I’m grouping these together since both are pretty perfunctory (and I have a lot to get through in this post).
So yes: Laundry was done, and for each load, I put $3.50 into my Washer/Dryer fund; and Josie’s Banfield plan monthly installment was charged.
With seeing Aaron, running around town to pick up auction wins and going to trivia all over the damn valley, I had to fill up three times. That’s a ton for me — and not cheap, as it turns out. But worth it to socialize (with people I know are vaccinated, no less).
There’s an asterisk here to remind folks that in addition to groceries listed here, I pay about $80 a month for protein bars at Target. But since I use gift cards I buy on discount sites like Raise — and since those gift card purchases are accounted for in the months I make them — the protein bar cost doesn’t end up here.
Based on my notes, I… did not eat well. A lot of junk food and still too much subsisting on cheese and crackers. I’d say it’s a work in progress, but honestly right now I just want to get back to the damn gym. And then I’ll worry about diet.
Well, went way over budget here — and the budget was super generous as it was. But given recent events, I guess my takeout expenses will be going way down.
Went over budget here too, but because I indulged in a hair product I really liked. Besides that, there was a hair cut, a general beauty service and the tip for the lip wax. (The wax itself was part of a prepaid package.)
My annual CVS CarePass fee came due ($52.13) and — try to contain your excitement — snore strips. I lead a glamorous life.
Very under budget here (yay!) because while I did go out, it was mainly just for trivia. Which is far cheaper than nights on the town. Though I did meet a friend for happy hour drinks/snacks one night.
Under budget on this category simply because I didn’t get around to paying my water/sewer/trash bill until the next month started. So you’ll see an overage in November’s Utilities section.
Normally my biggest spending category, but all that house stuff made this a runner-up this month. The amount includes my insurance and dental add-on ($437 total), a doctor’s visit I have to pay $85 out of pocket for (I’m switching insurances in January so almost done with that, thank god), a massage ($65 with tip) and then four prescriptions. I feel like I should be in better shape, given the number of pills and supplements I now take, but oh well.
But of course, this wasn’t all of my spending for October. I also had my mortgage, the Internet my business pays for, my Ooma connection and some charitable donations. So overall I spent $4,235.70.
That’s higher than I like to spend — I’m aiming for $40,000 to $45,000 a year — but then again, most months I don’t spend $600 on home stuff.
And when I start repaying Mom in December, even putting aside another couple hundred for taxes/insurance payments — I’ll be spending at least $400 less a month than I was making in mortgage payments. Which puts me back in the target range. Hooray!
So now I need everyone who read that to just pretend they read it last month when I very obviously did publish it on time and not completely space a staple of my monthly posts these days. Sigh.
Okay so still some less than ideal categories this past month. But not too terrible. Let’s take a closer look.
Slightly more interesting spending in this category for November.
I finally figured out that my knee pain wasn’t overexertion at the gym — it was just time for new shoes. Now if only I’d figured that out before I had to take several weeks off and get out of the habit of working out. Sigh. Anyway, I bought two pairs, which came to just under $99.
My Marriott Bonvoy card annual fee was due for $95. Since I get one night’s stay with each annual fee, it’s a good enough deal to keep the card going.
I also finally bought a wireless speaker ($30.40) and a doohickey that was supposed to attract mosquitos and keep them from biting me ($43.21). The latter didn’t work and is getting returned later this week.
Less interesting: $9.76 for Netflix, $52.60 for life insurance and $28.80 for trash bags. Plus $17.93 in various coupon/sale/store rewards savings that went into Saved Savings.
Once again, beyond the HVAC service plans, it’s just a whole lot of stuff to make my house look better. Most of it associated with the still-nowhere-near-finished patio. Gah.
But I did get a brand new microwave for $12.71 from the auction site, which has been lovely.
The asterisk here is because I also used some cash to buy a toilet paper holder off Facebook Marketplace.
Laundry & Pet
A whole lotta laundry done this month. Maybe because Mom was here for two weeks, and she tends to do my laundry for me. Probably also because when I was working on the patio, it was pretty warm and physical; so all clothes had to go straight into the laundry even if they were only worn for an hour or two.
And as always, Josie’s pet plan for $33.95.
Back to the usual two fill-ups this month. Hopefully it stays that way, especially since it seems prices are going to be back up for the foreseeable future.
Given that I bought more groceries during Mom’s visit — seems only fair when she spent money to fly down — I’m surprised I’m only a couple of bucks over budget.
I don’t honestly know what the heck I ate this past month. Except that there was a lot of cut up pineapple while Mom was here, God love her.
A big over in this category too, but it did include a dinner at a nice barbecue place Mom and I love — to celebrate the loan payoff. And say thanks for spending your vacation time helping me build a deck.
Way under budget here! Partly because obviously I wasn’t going to go out a ton when I could be visiting with Mom (or swearing over construction projects with her) but also trivia event attendance is still a bit uneven. So a couple were cancelled, meaning I just paid for food at two events and parking at one (we had won some bar cash that covered our food).
Yeah, this only looks like I saved a ton of money. In fact, my insurance payment didn’t get processed in time for this financial month. So it’s gonna pack a wallop next month.
But anyway there were two massages (ahhhh), the $85 doctor visit, the $32 dental add-on (charged separately from my premium), three very cheap prescriptions and some Omega 3 supplements.
I’m under budget mostly because I just keep having to reschedule my haircut, so I didn’t pay for one this month. Otherwise, just the same beauty services as the last month.
Just some basic drugstore items here, including bug spray that I had to buy when the bug repelling machine kept failing to work.
Yup, over budget. Because I apparently cannot pay a city services bill on time. But otherwise everything was about the same. Thank god for averaged-out billing for electricity bills. I may be overpaying now, but it’s so nice to not dread opening the electric bill in the hot months.
Of course, as always the above categories don’t cover all spending. I made one last mortgage payment before Mom got down here, my business needed to buy a new printer and pay for Internet, charitable donations, etc.
So the sum total of my spending in November was $4,135.19. As with October, a bit higher than I want; but (please god) my Home category spending should go down soon and the loan repayment will be cheaper than my mortgage.
So I think by and large I’ve done okay in these last two pretty hectic months. And apologies for any typos I didn’t catch because after having to go through two months’ spending, I’m not up to going back through and copy editing.
How have your finances been lately?