Monthly Spending – December 2021

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.  I’m paying my 2021 property taxes in January 2022 instead of my original plan of paying for two years this year.  Since I only have five years left on my mortgage, the interest plus two years of property taxes would be too low to itemize on my 2021 tax return.  I’m getting really excited about being so close to paying off my mortgage and saving $8,950 per year!

I had my vehicle’s annual oil change, and I had a vehicle repair that I delayed for two years.  The repair wasn’t necessary at that time, and I wasn’t informed that the broken parts would cause other parts to break.  Fortunately, the chain reaction of broken parts didn’t progress too much.  Hopefully, I won’t have any major vehicle or house repairs in 2022. My bulk spending included twelve bottles of wine.  I had already decided to drink less in 2022 compared to 2021.  After seeing this chart and comparing it to 2020, I definitely need to reduce my alcohol spending.  If you tracked your expenses, how do yours compare to mine?

                                                           December      2021 Total     % of Total

  • Alcohol                                               38.32        411.94          1.69%
  • Automobile: fuel                              44.43        246.54         1.01%
  • Automobile: insurance                  –                683.00         2.80%
  • Automobile: maint & repairs        487.98      487.98         2.00%
  • Automobile: regist & inspec         –                93.25           0.38%
  • Bacon                                                 –                8.97             0.04%
  • Batteries                                            –                25.79           0.11%
  • Beans (canned)                                –               7.79             0.03%
  • Beans, baked (canned)                  –                5.94             0.02%
  • Bread                                                  0.85           13.12            0.05%
  • Butter                                                 –                2.46             0.01%
  • Carrots                                               –                5.12             0.02%
  • Cereal                                                 1.15            8.84             0.04%
  • Cereal (dessert)                                –               6.93             0.03%
  • Charity                                               100.00       100.00        0.41%
  • Chicken (canned)                           –                29.92           0.12%
  • Chili (canned)                                  –                4.45             0.02%
  • Chips (pretzels)                                0.82           7.07            0.03%
  • Cookies                                              0.99           1.97             0.01%
  • Corned beef (canned)                     –               5.78             0.02%
  • Crackers (saltine)                            0.75           9.75            0.04%
  • Dentist                                                –               95.00          0.39%
  • Eggs                                                    0.79           7.21             0.03%
  • Emergency supplies                      –                2.17             0.01%
  • Fast food                                            4.10           4.10             0.02%
  • Feminine products                         –                6.35            0.03%
  • Fruit (grapes, bananas, etc.)         3.64           68.22          0.28%
  • Gambling – lottery                         14.00         32.00          0.13%
  • Gifts                                                    –                116.00         0.48%
  • Greeting cards                                 –                1.94             0.01%
  • Grits                                                    –                1.68             0.01%
  • Home: HOA dues                             –                413.91         1.70%
  • Home: insurance (flood)               –                493.00        2.02%
  • Home: insurance (standard)        –                494.40        2.03%
  • Home: insurance (windstorm)    –                623.00        2.55%
  • Home: lawn supplies                     –                122.38         0.50%
  • Home: maintenance & repairs     5.27          3,152.41       12.92%
  • Home: mortgage                              745.83      8,949.96     36.68%
  • Home: property taxes                    –                5,122.43      20.99%
  • Hummus                                           –                2.98             0.01%
  • Ice cream (incl. fruit bars)            –                5.08             0.02%
  • Lettuce & tomato                             3.64           49.64          0.20%
  • Medical supplies & OTC meds     –                5.48            0.02%
  • Milk                                                     –               12.45           0.05%
  • Milk (chocolate)                               –               0.99             0.00%
  • Mustard                                             –                1.10              0.00%
  • Nuts                                                    18.58         28.62           0.12%
  • Olive oil (for salad dressing)        –                8.12             0.03%
  • Pasta/Rice sides                              –                23.08          0.09%
  • Peanut butter                                   2.59           12.01            0.05%
  • Pizza (frozen)                                   –                7.96             0.03%
  • Popcorn (kernels)                           –                23.56           0.10%
  • Postage stamps                               –                11.60           0.05%
  • Potato flakes                                     –               3.75             0.02%
  • Potatoes (5 lb)                                   –               2.37             0.01%
  • Protein powder                                –               19.99           0.08%
  • Rice (3 lb)                                           –               1.89             0.01%
  • Salad dressing mix                         –               17.48           0.07%
  • Shampoo & conditioner                 –               4.20            0.02%
  • Shaving cream                                 –               1.06             0.00%
  • Soap (body wash)                            –               6.21             0.03%
  • Soap (hand)                                       –               3.76             0.02%
  • Software                                            –               37.87           0.16%
  • Spices                                                 –               0.98             0.00%
  • Toilet paper                                       –               50.42           0.21%
  • TV dinners                                        –               28.10           0.12%
  • Utilities: cell phone                         15.54         183.39         0.75%
  • Utilities: electricity                         31.56         562.16         2.30%
  • Utilities: internet                             45.24        556.87         2.28%
  • Utilities: natural gas                       19.73         270.05        1.11%
  • Utilities: water/trash                      44.74        536.44        2.20%
  • Vegetables (canned)                       –               3.80             0.02%
  • Vegetables (frozen)                         0.89          16.87           0.07%
  • Vinegar (for salad dressing)        –                1.99             0.01%
  • Vitamins                                                          25.37          0.10%

                           Total                     $1,631.43    $24,400.46    100.00%

                         2021 Total     % of Total

  • Alcohol             411.94         1.69%
  • Automotive     1,510.77      6.19%
  • Charity             100.00         0.41%
  • Electronics      25.79          0.11%
  • Fast food          4.10             0.02%
  • Gambling         32.00          0.13%
  • Gifts                  117.94          0.48%
  • Groceries         374.81         1.54%
  • Housing           19,373.66    79.40%
  • Hygiene           72.00           0.30%
  • Medical            145.84         0.60%
  • Office                49.47           0.20%
  • Snacks             73.23           0.30%
  • Utilities            2,108.91       8.64%

           Total      $24,400.46     100.00%

Linda 🙂

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