Happy new year! I’m excited to share the year-end results! In addition to the usual detailed breakdown, I have included an annual summary by category. If I didn’t buy a new A/C and only paid one year of property taxes, my total expenses would have been $22,177.42. That’s exciting to me! I look forward to spending less in 2020. In December, I really did spend $3 at a restaurant, not fast food. I had a reward for a free meal. I decided to order water instead of alcohol so I only had to pay the tip! If you tracked your expenses, how does your percent column compare to mine? I already know some expenses that are being reduced in 2020. How about you?
December 2019 Total % of Total
- Alcohol – 287.82 0.87%
- Automobile: fuel 30.24 350.06 1.06%
- Automobile: insurance – 701.00 2.12%
- Automobile: maint & repairs – 374.95 1.14%
- Automobile: regist & inspec – 93.25 0.28%
- Batteries – 24.76 0.08%
- Beans (canned) – 14.24 0.04%
- Beef jerky – 16.98 0.05%
- Bird food – 42.00 0.13%
- Bread 0.89 17.29 0.05%
- Butter – 1.99 0.01%
- Candy – 2.15 0.01%
- Carrots 0.59 9.46 0.03%
- Cereal 3.00 18.41 0.06%
- Charity – 100.00 0.30%
- Checks – 34.55 0.10%
- Cheese 1.38 8.15 0.02%
- Chicken (canned) 2.09 16.43 0.05%
- Chili (canned) – 13.86 0.04%
- Chips & pretzels 0.79 17.99 0.05%
- Cleaning supplies 2.15 27.16 0.08%
- Clothes – 19.47 0.06%
- Cosmetics – 14.04 0.04%
- Crackers (saltine) – 2.25 0.01%
- Crackers (snack) – 17.27 0.05%
- Dentist – 194.00 0.59%
- Eggs 1.56 6.09 0.02%
- Fast food 1.83 25.07 0.08%
- Feminine products – 15.05 0.05%
- Fruit (grapes, bananas, etc.) 2.07 45.57 0.14%
- Gambling – lottery 15.00 33.00 0.10%
- Gambling – other – 0.00 0.00%
- Gifts – 51.61 0.16%
- Greeting cards – 4.27 0.01%
- Grits – 2.78 0.01%
- Home: HOA dues – 413.91 1.25%
- Home: insurance (flood) – 418.00 1.27%
- Home: insurance (standard) – 475.40 1.44%
- Home: insurance (windstorm) – 614.00 1.86%
- Home: maintenance & repairs – 251.24 0.76%
- Home: mortgage 745.83 8,949.96 27.13%
- Home: new A/C & heater – 5,804.48 17.59%
- Home: property taxes – 9,750.19 29.55%
- Hot dog wieners – 4.37 0.01%
- Hummus – 1.89 0.01%
- Ice cream (incl. fruit bars) 2.69 6.65 0.02%
- Laundry detergent – 13.08 0.04%
- Lettuce, tomato, & cucumbers 3.69 40.72 0.12%
- Medicine (OTC) & supplies – 11.90 0.04%
- Milk 2.79 41.81 0.13%
- Olive oil (for salad dressing) – 19.28 0.06%
- Olives – 15.19 0.05%
- Orange juice 1.78 13.95 0.04%
- Pasta/Rice sides – 12.83 0.04%
- Peanut butter – 1.98 0.01%
- Pizza (frozen) – 34.06 0.10%
- Popcorn (kernels) – 2.84 0.01%
- Restaurants 3.00 151.25 0.46%
- Rice – 1.75 0.01%
- Salad dressing mix* 5.98 38.36 0.12%
- Sausage – 5.64 0.02%
- Soap (body wash) – 13.44 0.04%
- Soap (dish) – 6.02 0.02%
- Software – 27.05 0.08%
- Sour cream 0.69 3.76 0.01%
- Sports drinks (b/c lawn care) – 11.31 0.03%
- Taco seasoning – 5.28 0.02%
- Toilet paper – 46.48 0.14%
- Tunafish (canned) – 3.52 0.01%
- TV dinners – 10.28 0.03%
- Utilities: cell phone 1.88 456.46 1.38%
- Utilities: electricity 32.64 646.12 1.96%
- Utilities: internet/cable 99.61 1,182.90 3.59%
- Utilities: natural gas 20.22 235.14 0.71%
- Utilities: water/trash 45.56 521.97 1.58%
- Vegetables (canned) – 11.19 0.03%
- Vegetables (fresh) – 0.50 0.00%
- Vegetables (frozen) 2.69 2.69 0.01%
- Vinegar (for salad dressing) – 1.99 0.01%
- Vitamins 8.79 103.21 0.31%
- Yogurt – 5.88 0.02%
Total $1,039.43 $32,992.89 100.00%
*Some of the annual amount was for salad, and some of it was for soup.
2019 Total % of Total
- Alcohol 287.82 0.87%
- Automotive 1,519.26 4.60%
- Banking 34.55 0.10%
- Bird food 42.00 0.13%
- Charity 100.00 0.30%
- Cleaning 46.26 0.14%
- Clothes 19.47 0.06%
- Cosmetics 14.04 0.04%
- Electronics 51.81 0.16%
- Fast food 25.07 0.08%
- Gambling 33.00 0.10%
- Gifts 55.88 0.17%
- Groceries 464.57 1.41%
- Housing** 26,677.18 80.86%
- Hygiene 74.97 0.23%
- Medical 309.11 0.94%
- Restaurants 151.25 0.46%
- Snacks 44.06 0.13%
- Utilities 3,042.59 9.22%
Total $32,992.89 100.00%
**If I didn’t buy a new A/C and only paid one year of property taxes, housing would have been $15,861.71 out of $22,177.42 which is 71.52%. When my mortgage is paid off in seven years, my annual housing expense will decrease by $8,950!
Linda 🙂
Monthly breakdown: January 2019 / February 2019 / March 2019 / April 2019 / May 2019 / June 2019 / July 2019 / August 2019 / September 2019 / October 2019 / November 2019
The Heart of Frugal Living 