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January Spending Notes

January 30th, 2014 at 11:00 am

1. Bought AAPL. Feeling fortunate that my cheques cleared AFTER the 9.5% price drop.

2. Total Spending: $5180.86. Income is about $1000 less than that. I am including the investing dollars as spending, however. Otherwise, I'd be even.

3. Overbudget: Charitable, Cats (food, flea medication, litter, vaccinations), Investing.

4. Underbudget: Entertainment, Fuel, Groceries, Restaurant, Household Goods. Food is currently 17% underbudget, which is severe, as I haven't purchased much meat and am making more of an effort to cook with legumes.

5. $215 surplus so far, I have two days to go and a self-imposed spending limit of $25/day, so really $165 budget surplus, excluding the Roth and Coverdell contributions. How to divide the $165: use $33 for 52-week savings challenge, $132 carries through to next month. Maybe I'll try seeing how living on $19/day for groceries feels.

My asset totals will be down from the beginning of the year: annual winter house value slump; market slough; investing; insurance.

February expectations: Home Maintenance expenditure, no "catch-up" repayment of credit card; night out at a GOOD restaurant (table service, cloth napkins, wine list).

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