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2009 Spending Report

January 13, 2010

Better late than never! First, a snapshot view:

This is based on personal tracking (subject to error — but I hope not!)

Notes:

While there are some savings categories on here (Efund, Roth IRA) and some that are a bit of both (Car fund), this is only spending.  The way my budget spreadsheet works is that I allocate $400 (or whatever) to the Roth IRA and I spend zero, the net goes into my Roth IRA.  So I didn’t really save $0!

In April I moved and T joined me in June.  The big “Misc” spending that month was all moving related costs.  We started sharing expenses like utilities, cable/internet (which I lump Netflix into) and groceries, and i think those trended down.  However, I became less diligent about splitting out non-food related costs from groceries.

Entertainment typically includes any bars and alcohol purchased at home in addition to obvious entertainment expenses (events and such), while “Restaurant” is food spending (unless we order drinks with the meal — very rare).   Home is mostly quarters for laundry and cleaning stuff, plus the occasional household item.  Personal is haircuts and make-up and such — woah September!

I’d be happy to answer any questions!

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4 Comments leave one →
  1. January 17, 2010 4:41 pm

    I wonder how you keep your food costs so low! You live in an expensive area, like I do, but my food costs are almost fifty percent higher than yours! How do you keep your food expenses so low?

    • January 17, 2010 10:14 pm

      Perhaps I’ll do a post, but here are some details that might just be accounting:
      1) Alcohol is typically NOT included in grocery or restaurant, unless we order with the meal
      2) I usually separate out toilet paper, cleaners and other stuff typically bought at the grocery store. Though I’ve gotten more lazy about it recently.

      I’ll check out your spending report and see if I can spot where the big difference is (restaurant/grocery) — i remember you posted it earlier

  2. January 18, 2010 7:30 am

    Number 1 might be the big thing–I don’t separate out alcohol, or even bottled water or anything from a vending machine–if it goes in my mouth when I’m not at home (and I didn’t make it at home and bring it with me), it gets counted as “dining out”. But I don’t drink all that much–a glass of wine or a beer every other week at book club is pretty much my limit, and I never buy alcohol to keep at home. How often do you eat out?

    I think in 2010 I might start breaking out alcohol just to see how much I spend on it!

  3. January 18, 2010 7:42 am

    We try to limit it to once a week as a date. Occasionally I also go out for lunch at work or we grab something quick and cheap.

    I don’t go out for drinks that often either, but it could make a difference.

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