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Finally! January Numbers

February 10th, 2015 at 11:17 am

Well, this was certainly eye-opening. A couple of things I took away from this:

1) I spend a lot more in general than I think I am.
2) The grocery budget needs a lot of work. (I had thought we were doing so well with eating at home...)

This is painful to share, but here's January's spending:

Savings (BOA) - 25
Savings (Cap. One) - 30
Insurance - 84
Phone - 159
ACS Loan - 170
Wells Fargo Loan - 50
Mariner Loan - 100
Navient Loans - 152
BOA CC - 175
Target CC - 46
Amazon CC - 25
Chase Freedom CC - 125
Chase Slate CC - 25
NFL Points CC - 50
Netflix - 8
Food - 554.63
Gas - 49
Clothing - 7
Bank Fees - 10
Pets - 923.41 (Pet fee for apt., DC's set-up & adoption fees, vet visits for DD and DC)
Car - 639 (New tires and oil change)
Misc - 425 (Furniture incl. delivery tips, family loan)
Entertainment - 12.50

One last note: A lot of the pet, furniture, and food spending went on CCs. SO and I agreed that once he started receiving regular paychecks (beginning in Feb.), he would help pay those things off. He's getting a rather large paycheck Friday which we will decide together how to best allocate to everything.

4 Responses to “Finally! January Numbers”

  1. Petunia 100 Says:

    It is always eye-opening! So easy to spend more than you think. Just keep trying. Smile

  2. Butterscotch Says:

    That's less than $9 a day per person for food. If you think of it that way it isn't that bad...

  3. chloe Says:

    Knowing where the money goes is half the battle. Would you have spent more on food if you'd been eating out? Then you've still made progress!

  4. debt-free by thir-ty Says:

    Thanks Petunia! I'm working on it.

    Butterscotch, that does make me feel a bit better considering I'd spend $9 on lunch out alone, but I definitely think we can take that down further.

    Chloe, so true!! I always budget and just kind of eyeball where I am, so this was really enlightening to see just where my money's going. And I most definitely would have. Eating in is progress, but I think we can get the grocery number down quite a bit. A fair amount of it was pantry stocking, so hopefully, I'll see improvement this month.

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