December 2014 Expenses


I’m doing what must be the most premature month-end financial summary ever done, a whopping 12 days sooner than the regular schedule.

I know, I know — I’m wild and crazy like that.

Seriously, though, this is part of my plan to go offline for about two weeks.  No blogging, no forums, no news-checking, no screen-time, period.  I do this every year during the holiday season.  It helps me to remember what life was like before we were perpetually connected to everything.  And this is the only time of the year it’s possible for me to do this, because I’m completely off work for the duration.

Don’t get me wrong — I loves me some internet.  But it’s a drug, and much like cocaine, if you do it every day, your nose starts to bleed and you can floss between the hole in your nasal wall from the slow and steady chemical burns against tender flesh.  And we all know that Nostril Flossing is Not A Great Thing unless you like totally freaking your parents out once in a while. Which I do!  Just not around this time of the year.  My dad deserves some respect, dammit.

I’m not backing down off of this analogy, even though after re-reading it, it is starting to make less and less sense, and maybe even makes me look a little insane or drug addicted, both of which are not true.  Probably.

Look, bottom line, I like going off grid once in a while.

Yes, my premature expense reporting is forcing me to estimate a few expenses for the final two weeks of the month.  Brace yourself, here comes unfiltered excitement in the form of charts containing numbers.












3 meals out, 4 lunches at work



Electricity and a fat oil bill.



Phone, ISP, Cable







22 New thermometer plus Tylenol.


31 10K road race registration


242 Christmas spending: see notes

Café/Coffee Out


Finally!  A good month for coffee!  Who’s awesome?  I am.





Other Auto


Vitamin A(lcohol)




My alma mater cornered me on the phone and pressured me into a small donation. Damn you, guilt!




Notes for December:

  • Estimated items for the remaining 2 weeks:  I am guessing I’ll fill up my tank again ($25) and I added another trip to the grocery store ($50). Doubt much else will be going on.
  • A nasty bug made its way around New England and into me.  Forced me to buy a thermometer (old one was broken) and some Tylenol.
  • I’ve never been able to wean my dad off of Christmas giving, and as a result, I buy stuff for him and my step-mother so that the giving isn’t a completely 1-way road.  Spent $150 on him, and most of the rest of that $242 was for my nephews.
  • Speaking of nephews, this is what they’re getting — a Minecraft poster, Smash Brothers:  Wii U, Kirby: Epic Yarn, and Rayman: Legends.  They specifically asked for these items, so I’m absolutely sure they’ll enjoy them.
  • DW and I don’t get anything for anyone else in our lives anymore.  Including each other. (We’re clearly hopeless romantics.)  Instead we do nice things for one another that we sometimes can’t be bothered to do during standard work-weeks. Example:  I’m building fires in the living room every day over the holidays.

A good month overall, considering the $300 oil bill.

Yearly Total

January 2106
February 2013
March 2305
April 2043
May 1876
June 3036
July 2109
Aug 2218
Sept 2765
Oct 2017
Nov 2378
Dec 2202
Total  27,068

I’m at a 27K annual spend rate in my current residence.   Considering PITI is close to 14K of that, my actual spend is about 13K.  This is pretty OK with me.  I think it’ll be just a tad lower after RE, as some of the costs are directly or indirectly related to working.

I will be doing another post in 2015 which summarizes the yearly spending and projects things a bit into RE life — it’ll be the first post of the year.  I’m curious to map things out a bit into the future.  I’ve also missed Vanguard expenses when doing my monthly summaries — these will be included in the final reckoning.

Net Worth Update

Taxable Mutual Funds 294K
Taxable Cash (CDs) 40K
Retirement 401(k) 312K
Retirement Roth 102K
Home Equity 125K (?)
Total  873K

Markets have been up and down a lot over the last two weeks.  It’s fine – part of being 70% in stocks is knowing that things are turbulent sometimes.

Numbers crunched 12.18.2014

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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1 Response to December 2014 Expenses

  1. Steph says:

    I hope you have a nice Christmas. I plan on spending most of it sozzled.

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