September 2014 Expenses


Let’s take a quick look at how the ‘ol wallet finished up the last month of summer.


Category Total Notes
Mortgage 793
Taxes 320
Groceries 156
Restaurants 64 two $5 lunches @work, four dinners w/friends
Utilities 55 Electricity
Cable 75 Phone, ISP, Cable
Cell 17 Ting
Medical 0
Pharmacy 3 Earplugs
Clothes 44 Three new shirts and some breech-cloths
Café/Coffee Out 22
Entertainment 55
  • $17 AWS blog hosting
  • $25 jazz show
  • $13 music cd
Gas 33
Other 106 Home Improvement – indoor painting projects, fall reseeding. Also paid a guy $30 for lawn mowing one weekend.
Vitamin A(lcohol) 11 Single bottle of wine
Other Transportation 11 Couple of trips on the T
Charity 1000
Total 2765



  • Drove less than normal, restaurant expenses were down because I remembered to bring lunch most days, and nothing unexpected came up.
  • Annual charitable contribution.
  • Listened to Charlie Hunter perform in Cambridge for entertainment, and bought a CD during the intermission.  Best way to support an artist you like:  Buy merch directly from them.
In Glorious Mono!  Sold!

Glorious, glorious mono.


Yearly Total

January 2106
February 2013
March 2305
April 2043
May 1876
June 3036
July 2109
Aug 2218
Sept 2765
Total  20471


Net Worth Update

Taxable Mutual Funds 277K
Taxable Cash (CDs) 40K
Retirement 401(k) 307K
Retirement Roth 98K
Home Equity 125K
Total  847K

It’s a drop of almost 10K this month, because the markets are correcting just a bit — a good thing IMO.

Numbers crunched 09.28.2014

Sticky notes on expense tracking

  • The expenses listed represent half of our total household expenses.  I’m 50% of a DINK couple.  The same is true for net worth.  I only list my personal stash — my wife has her own and I’m not tracking it on this blog.  Yeah, we’re completely spoiled.
  • You’ll notice that there is no mention of car insurance here. I pay my premium annually in June. There’s a 10% discount for paying 12 months in advance, which is a pretty good return on investment.
  • Similarly, there’s also no mention of home insurance.  We pay the yearly premium annually in full every March.
  • There are menus at the top of the blog (Finances->2014->Month) if you are interested in additional reports.
  • I’ve also logged an account of my financial history


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11 Responses to September 2014 Expenses

  1. G-dog says:

    The markets are dragging my returns down too – stay the course. I am still up for the year, but had finally started shifting some cash (-2 to 0%return depending in inflation) to investments (index funds – Vanguard). I was feeling like quite the smarty pants for awhile, now market reality is back (the market will fluctuate – be patient).

  2. Steph says:

    Ok, I have to ask…what is a breech cloth? It sounds like something Tarzan would wear😉

  3. G-dog says:

    Ah – Wikipedia to the rescue: A breechcloth, or breechclout, is a form of loincloth consisting in a strip of material – usually a narrow rectangle – passed between the thighs and held up in front and behind by a belt or string.[2][3] Often, the flaps hang down in front and back.[3]

  4. Tom says:

    Not wanting to be considered an outcast in the FIRE community and not previously aware of the FI uniform de riguuer, I’ve purchased 7 pair (are they considered pairs?) of breech-cloths – one for each day of the month – and signed-up for the breech-cloth of the month club. I did check with my local thrift shops first before my purchases and they insisted they can’t keep them in stock.

    Oh wait, were you joking about the breech-cloths? 🙂

  5. Wow! Net of your charitable donation and your mortgage, you spent less than $1,000. That is insane. Keep up the amazing progress, my friend.


  6. Looks like a great month for you! September was quite standard for us, I do believe. Have yet to assemble the spreadsheets, but I surmise it was fine.

    I’d love to hear more about your decision to support the Clear Water Initiative–what made you choose that organization? I’m always interested in hearing about people’s philanthropic motivations and decisions.

    • livingafi says:

      It was a great month, no doubt, and one I feel very good about. Always helps when we don’t have an oil bill. I recently posted an article about charitable giving where I go into the details of why I give to Clear Water, if you’re interested. Thanks for stopping by!

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