Another month, another expense report. This time it’s November.
|Groceries||332||Hosted thanksgiving for 16 people, significantly driving up food costs.|
|Restaurants||96||5 work lunches@$6 ea. 4 nights out.|
|Utilities||35||Electricity. No oil bill.|
|Cable||70||Phone, ISP, Cable.|
|Cell||27||Ting. Went over on Data this month, bumping my bill from 17 to 27.|
|Vacation||394||Short trip to NYC to see a band’s farewell performance. Goodbye, Black 47. You are the proudest group of Irishmen on planet Earth. Total includes train ride, horrific hotel, food costs, and ticket. And maybe a round or two of beer.|
|Charity||20||Annual wikipedia donation|
|Amazon Misc, some entertainment||84||
Lots of personal spending this month.
- Most significantly I took a $400 overnight vacation-type-trip to NYC to see a band with some old friends.
- Also spent some $250 on groceries to host Thanksgiving for our family. My half of this cost was $125 and is reflected in the grocery spending.
- Bought some misc. convenience items on Amazon this month. Also, a few additional ‘entertainment’ type purchases, like race registration and a video game package.
If this is what a so-called spendy month looks like for me, I’m in good shape. I thought things would look worse — during the month I felt like I was really blowing through money like crazy but it doesn’t end up looking all that bad.
Net Worth Update
|Taxable Mutual Funds||293K|
|Taxable Cash (CDs)||40K|
|Home Equity||125K (?)|
Markets tick up — a 12K NW rise from last month and a new all-time high.
Numbers crunched 11.30.2014
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