Monthly Spending – December 2019

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    ’19 YTD 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.

                             ’19 YTD 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 🙂

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