Author Topic: Hold yourself openly accountable for your spending in 2019  (Read 8055 times)

afuera

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #150 on: February 04, 2019, 03:22:00 PM »
January Numbers
Home (PITI & Utilities): $2,277/$2,200 $77 over.  Had some home maintenance expenses that were higher than expected. 
Auto (Gas, Ins, Maint): $1,252/$500 $752 over.  My car had a blowout and when I took it in, the tread on all the other tires was <2.  New tires are expensive.
Subscriptions (Internet, Phone, Streaming, Gaming): $209/$200 $9 over.  Used a little more data than we should have.
Food (Groceries, Restuarants, Vitamin A): $561/$500 $61 over.  Stocked up on some meat for the freezer.
Pets (Sitter, Vet, Food): $315/$200 $115 over.  Curly girly needed her quarter annual hot spot shot and we had already bought some treats and toys for the month.
Shopping (Furniture, Home Décor, Toys, Clothes): $1,108/$200 $908 over.  :< Explained below.
Travel: $0/$400.  No travel this month.
Giving: $500/$500
Total: $6,222/$4,700 $1,522 over. 

I really didn't want to post this but since it is about holding myself accountable, I gritted my teeth and did it.  I don't regret any of the spending we did but it is clear to see we went a little hog wild on our shopping.  The other categories we went significantly over on were auto and pet which both were unexpected costs that couldn't really be avoided.   The biggest impact on our shopping was that I bought an espresso machine.  A $600 espresso machine.  It was a refurb off ebay that was about 50% off the cost of new but still.  I love it very much and use it every day, sometimes multiple times a day, but that doesn't change the fact that it was a completely extravagant/unbudgeted purchase.  The rest of the overage in shopping was due to fridge water filter and a couple things that made our house more livable but weren't really home improvement including a outdoor wood rack + cover, a fancy baby gate to keep the dogs out of the kitchen (RIP half chewed/swallowed steak that was stolen from the counter on 1/13), and a mirror for our master bathroom which we had never replaced after we flooded. 

I'm embarrassed by how far over budget we are but I don't regret anything we purchased except for some bad chinese takeout from a new place we tried.  All in all though, an ugly month as far as budget numbers.

use2betrix

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #151 on: February 04, 2019, 07:26:15 PM »
Final totals for the month are in:

January 2019
Total spending:
$5231 (goal $6000)
Savings Rate:
68.3%
Notes:
Rent: $1384
Groceries: $765 (goal $750)
Pets: $351
Electronics: $290
Restaurants: $138 (goal $150)

I am glad I started this challenge and am deciding to hammer down on my budgeting again. I used to track every dollar but slowly got away from it. Need to get it back in check.

Overall we were $769 under budget so that’s fantastic. Our grocery budget goal is $150/wk. we had 5 Thursday’s so 5 grocery store trips. We were $19 over budget, so that’s good.

We were slightly under our grocery budget.

We had high pet costs switching diets and an allergy test. Going to go up even more in February as we have another $500 test for our dog. Oh well, better than other alternative options.

We sold a bunch of hobby items for around $600ish. We bought an Xbox 1 we’ve been enjoying for $290 (we tracked that expense with our budget).

Overall I’m very pleased. February and March are going to be insanely hard to hit our budget. This week I have a work trip, and then Saturday I’m renting snowmobiles with friends then skiing Sunday. All in that’s going to be around $600, then as mentioned, the dogs $500 vet test.

In April we’re moving and will be paying rent at two places for 19 days, so that’s an extra $1200 or so.

A few good notes, however. This month we should be getting back a $6500 tax return. Also, for a work super bowl party we got these gambling squares. I’m absolutely not a gambler but wanted to be part of the “team.”  We spent $60 on squares and won $500 lol. Will use $250 of that to go towards this weekends trip which I can justify. Deposited the rest.

Also, next month is a 3 paycheck month which should put us near an 80% savings rate. All that’s good, but this year’s goal is primarily spending related as opposed to savings.

Linda_Norway

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #152 on: February 05, 2019, 01:59:26 AM »
Here is the graphic of my 2019 spending so far. Divide the numbers by 10 to make Euro's and by a little more than 10 to make $.

The big grey bar is "home". This month we had a high electricity bill, because it is winter. We also had to pay the half-year bill for the state TV. The green bar is food. Over the entire year my expenses of home and food often end up equal.

Handel = buying stuff
Helse = health
Hjem = home
Hytte = cabin
Klær = clothes
Mat = food

Here is the final picture for January 2019. Total amount of spending (only me, not DH) is 15.109 NOK (Norwegian crowns).

haypug16

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #153 on: February 06, 2019, 08:33:36 AM »

2019 goal
$3,610.70$25,000
$21,389.30 remaining for the year.

Spending for January was way higher than expected due to some unforeseen expenses (Vet mostly) but so far February is looking good. I'll need to really work on keeping the remaining months down in order to make up for January being over by $1,500!

lexde

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #154 on: February 06, 2019, 09:17:55 AM »
I'm in.

2019 goal is to spend sub-$24K. That shakes out to $2K per month.

January
Total Take-Home: $4,383.18 (+$2,167.00 tax return)
Rent: $895.00
Electric: $90.75
Internet: $44.99
Phone: $20.44
Groceries: $403.49 (big re-stock)
Home goods/maintenance: $69.41
Health/beauty: $108.77
Gifts/holiday: $59.54
Fitness: $139.00
Restaurants: $68.06
Date Night: $90.68
Misc.: $446.08

Total expenses: $2,569.95
Net: +$1,821.46 (+$3,988.46 with tax return)
Savings rate: 41% - not great.

2019 Budget Remaining: $21,430.05

January was a SUPER spendy month. Electric is high because my apartment has zero insulation (built in 1925 and one of my exterior walls is just a french door, plus only a window unit, so...). Groceries/date night/misc were big categories this month because I ended up buying a lot of groceries that got left after a breakup and had to re-shop. My fitness category is always this high, but it's the only program that I've stuck with long-term and I consider it a major investment in my mental and physical health. I go very consistently due to the price tag, and it keeps my stress levels way down and helps me cope with my high-stress job.

Although we are only 1 week into this month, I anticipate that it will be a much lower-spend month which should even me out to my goal pace.

lexde

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #155 on: February 06, 2019, 09:19:51 AM »

2019 goal
$3,610.70$25,000
$21,389.30 remaining for the year.

Spending for January was way higher than expected due to some unforeseen expenses (Vet mostly) but so far February is looking good. I'll need to really work on keeping the remaining months down in order to make up for January being over by $1,500!
I like the "remaining for the year" line and added it into my post as well. This is a really cool way of looking at it and I feel like it will help me put a hard-stop on more frivolous spending. Thank you!

haypug16

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #156 on: February 06, 2019, 02:31:15 PM »

2019 goal
$3,610.70/$25,000
$21,389.30 remaining for the year.

Spending for January was way higher than expected due to some unforeseen expenses (Vet mostly) but so far February is looking good. I'll need to really work on keeping the remaining months down in order to make up for January being over by $1,500!
I like the "remaining for the year" line and added it into my post as well. This is a really cool way of looking at it and I feel like it will help me put a hard-stop on more frivolous spending. Thank you!

You're very welcome. I think it'll be very helpful to know how much I have to spread out throughout the year. Instead of thinking nothing can be done about January I can look at it like this is now my budget for the next 11 months and figure out how to cut a few corners to still hit my goal.

TNT

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #157 on: February 08, 2019, 12:52:52 AM »
Uuuuugh. This morning I was looking online for tips on how to clean upholstery, and I came across a blogger who was talking up her fancy steam cleaning machine, which cleans nearly everything one can think of to clean. I remembered that once upon a time (pre-divorce), I owned such a thing, and I liked it very much.

NOW I WANT A FANCY STEAMING MACHINE. I have been looking at them all day. But if I buy one, I will have to report it to you people and hang my head in shame over this ~$120 thing. I will think of this gauntlet every time I use it.

This thread might just save me money!

JAYSLOL

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #158 on: February 08, 2019, 08:09:08 AM »
I almost joined this thread earlier this week, typed up most of a report for January spending, and then I chickened out.  It's too much work being totally honest about my spending, all those complainypants excuses don't write themselves.  So here's the summary instead

January: $269 over budget, insert waahh, waahh and excuses, excuses

Bracken_Joy

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #159 on: February 08, 2019, 08:16:41 AM »
I almost joined this thread earlier this week, typed up most of a report for January spending, and then I chickened out.  It's too much work being totally honest about my spending, all those complainypants excuses don't write themselves.  So here's the summary instead

January: $269 over budget, insert waahh, waahh and excuses, excuses

Did you have any particular trouble area? Would it benefit from a plan of action to help that one category next month? One category to focus on is usually less overwhelming than a tiny bit over in a whole bunch of them =)

Life happens! That's part of budgeting, you know?

former player

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #160 on: February 08, 2019, 10:13:48 AM »
January spend

Council tax and utilities  £303.16
Groceries                      £100.45 (see also: cash)
Dog                               £95.58 (worth every penny and more)
House and garden         £384.45 (mostly fabric for new curtains)
Books                            £18.56  (surprisingly low)
Cash                            £250.00  (groceries, petrol, quilting supplies, WI membership, new wellies, etc.  Some cash still on hand.)

Total                       £1,152.20

Looks about right.  Routine costs are reasonable but more "lumpy" expenditure is likely to be what catches me out.  Big recent expenditures on house improvements are coming to an end but will include some spending in the spring to finish things off.


JAYSLOL

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #161 on: February 09, 2019, 08:55:16 PM »
I almost joined this thread earlier this week, typed up most of a report for January spending, and then I chickened out.  It's too much work being totally honest about my spending, all those complainypants excuses don't write themselves.  So here's the summary instead

January: $269 over budget, insert waahh, waahh and excuses, excuses

Did you have any particular trouble area? Would it benefit from a plan of action to help that one category next month? One category to focus on is usually less overwhelming than a tiny bit over in a whole bunch of them =)

Life happens! That's part of budgeting, you know?

@Bracken_Joy That's true, both my income and spending are quite variable throughout each year, but my back-of-the-napkin math for budgeting is usually extremely close.  There were a few categories that went over, but most involved (warning: excuses ahead) the fact the we moved to a new house about 5 min from our old one which involved a lot of extra driving (fuel) as I did the move myself rather than hire movers/rent a truck.  Yup, a 13 year old Hyundai with a small utility trailer really can move a whole house, it just takes a lot of trips.  This also lead to us eating out more because we were busy.  Lastly, we bought some items for the new place, curtains and bathroom fixtures etc.  Also paid upfront for 6 months of piano lessons for DD.  Not moving again anytime soon would be a good plan of action for me, haha. 

Imma

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #162 on: February 10, 2019, 05:29:34 AM »


Total Jan: €508

We took a short trip with friends this weekend, but kept it pretty frugal. We went to a gig that we already bought tickets for last year, we had a cheap dinner, I had two drinks and we shared a cheap hostel room with the whole group that ended up costing €20 per bed. I don't mind sharing a room with friends at all, but now I can afford a private room I'll never share with strangers again. In the morning we got breakfast from the grocery store before driving home.

Spending Feb so far:
Food: €37
Travel: €40
Hairdresser: €25
Trip: €40 (estimate, we'll split the fuel costs and I'm waiting for them to let me know how much I owe them)

Food: €72
Travel: €59
Hairdresser: €25
Trip: €30
Maintenance: €30
Shopping: €4

I bought two new jars with lids to take breakfast with me on the go when I'm in a hurry in the morning. Maintenance is something that I spend more on than I'd like, but it's mostly parts/tools. Owning an old home and being cheap means lots of DIY.

philli14

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #163 on: February 10, 2019, 09:26:53 AM »
February Update

Cell phone (2018: $75/mo | 2019 GOAL: $10/mo): JAN: $24. | FEB: $0
Bill hasn't come in yet but I'm anticipating around 3$ (Sprint 1yr free promotion)

Gas/Fuel (2018: $160/mo | 2019 GOAL: $50/mo): JAN: $32. | FEB: $0
Still about 3/4 tank full, bike is now put together so hope I won't need to fill up

Restaurants/Bars (2018: $540/mo | 2019 GOAL: $300/mo):JAN: $13. | FEB: $0
Nothing yet. Next weekend doing some brewery hopping but would love to keep it under $50

"Shopping" (2018: $420/mo | 2019 GOAL: $150/mo): JAN: $426. | FEB: $131
Problematic category again. Hopefully last month with relatively high spending? Had to order more bike related parts, but the good news is the bike is FINALLY in riding condition.

Car (2018: $445/mo | 2019 GOAL: $100/mo): JAN: $54. | FEB: $0
Nothing needed for the car, don't anticipate needing anything this month.

Looks like shopping is going to end up being my difficult category this year (I thought it would be cutting back on restaurants..). 96 of it towards the bike, 35 on some pieces for the beer cellar. Unless something unexpected comes up, should be able to slide under the $150. Will need some big months later to start bringing that average down.
« Last Edit: February 11, 2019, 09:33:03 AM by philli14 »

use2betrix

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #164 on: February 10, 2019, 04:44:12 PM »
This months budget was blasted away by skiing, snowmobiling, and strip clubs. Going to be an interesting month end. Was a very good, much needed vacation, however.

meerkat

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #165 on: February 10, 2019, 05:03:28 PM »
Accountability - I have not had time to properly do our numbers for January yet and we're already ten days into February. Also I'm looking at spending money on improving an area of our house, I'll probably spend the money anyway to attempt to improve the flow of stuff through a major traffic area but it's not strictly necessary. Also also, looking at getting new pots and pans but that's been a planned expense for ages, I just need to find the time to figure out what brand is decent for nonstick and make the order.

On the upside, I don't think I ate out at all for lunch last week which is unusual for me. Need to make time to batch cook lunches next week so I can keep this up.

Imma

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #166 on: February 11, 2019, 01:10:45 AM »


Total Jan: €508

We took a short trip with friends this weekend, but kept it pretty frugal. We went to a gig that we already bought tickets for last year, we had a cheap dinner, I had two drinks and we shared a cheap hostel room with the whole group that ended up costing €20 per bed. I don't mind sharing a room with friends at all, but now I can afford a private room I'll never share with strangers again. In the morning we got breakfast from the grocery store before driving home.

Spending Feb so far:
Food: €37
Travel: €40
Hairdresser: €25
Trip: €40 (estimate, we'll split the fuel costs and I'm waiting for them to let me know how much I owe them)

Food: €72
Travel: €59
Hairdresser: €25
Trip: €30
Maintenance: €30
Shopping: €4

I bought two new jars with lids to take breakfast with me on the go when I'm in a hurry in the morning. Maintenance is something that I spend more on than I'd like, but it's mostly parts/tools. Owning an old home and being cheap means lots of DIY.

Some impulse purchases today :( had to wait on the train station for a long time and it was cold, so I treated myself to a coffee then went into a bookstore to get warm. Spent €13,75. On the upside:the book I bought was 50% off and I've been wanting to read it for a long time, so it's not a complete impulse purchase.

Still, I should look like into getting a library card again. I looked into that a few years ago and back then the subscription fee was too expensive, but my income is much higher now + I think libraries are important. They need paying members to continue to exist. They've already downsized quite a bit in my city. I don't think I would be where I am now if it wasn't for the library in my hometown where I basically lived as a kid.

Rustychase

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #167 on: February 11, 2019, 11:14:17 AM »
Hi all!

I want to jump on the band wagon! I am diagnosed with bipolar disorder and the last year was absolutely horrifying in terms of money. Things are quite a bit better on that end now, so it's time to start remedying the havoc wreaked. I'll be starting to track stuff now, as I was just recently paid, so I'll definitely keep you all updated!

middo

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #168 on: February 11, 2019, 08:45:01 PM »


Total Jan: €508

We took a short trip with friends this weekend, but kept it pretty frugal. We went to a gig that we already bought tickets for last year, we had a cheap dinner, I had two drinks and we shared a cheap hostel room with the whole group that ended up costing €20 per bed. I don't mind sharing a room with friends at all, but now I can afford a private room I'll never share with strangers again. In the morning we got breakfast from the grocery store before driving home.

Spending Feb so far:
Food: €37
Travel: €40
Hairdresser: €25
Trip: €40 (estimate, we'll split the fuel costs and I'm waiting for them to let me know how much I owe them)

Food: €72
Travel: €59
Hairdresser: €25
Trip: €30
Maintenance: €30
Shopping: €4

I bought two new jars with lids to take breakfast with me on the go when I'm in a hurry in the morning. Maintenance is something that I spend more on than I'd like, but it's mostly parts/tools. Owning an old home and being cheap means lots of DIY.

Some impulse purchases today :( had to wait on the train station for a long time and it was cold, so I treated myself to a coffee then went into a bookstore to get warm. Spent €13,75. On the upside:the book I bought was 50% off and I've been wanting to read it for a long time, so it's not a complete impulse purchase.

Still, I should look like into getting a library card again. I looked into that a few years ago and back then the subscription fee was too expensive, but my income is much higher now + I think libraries are important. They need paying members to continue to exist. They've already downsized quite a bit in my city. I don't think I would be where I am now if it wasn't for the library in my hometown where I basically lived as a kid.

Wait - libraries cost money to belong to in Europe?  Ours (Australia) are free, except when you return a book late or lose it.

Imma

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #169 on: February 12, 2019, 12:17:31 AM »
At least in my country (NL) they do unfortunately. They are funded by local authorities and I think kids are free everywhere, but adults pay. They always had to pay but it used to be a token amount like €10/year but due to budget cuts over the last 10 years library memberships have become pretty expensive so there are less members every year.

Politically, organizations that are 100% dependent on government money are controversial, especially when they are considered to be only for the elite, like libraries, theatres, museums etc.

Those organizations are told to "work on their entrepreneurship" and if they don't bring in enough of their own money their budget will be cut. That's why my city's library has closed all of its locations except the big library downtown, rented out half of their downtown building and installed a coffee bar. The no-frills membership is €40, the full membership €70 and a very basic membership that only gives you internet access at the library (so you can't borrow books) is €20/year.

I don't spend €70 on books a year now, so my total costs would go up, but I do feel the library could use the support.

middo

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #170 on: February 12, 2019, 01:04:43 AM »
At least in my country (NL) they do unfortunately. They are funded by local authorities and I think kids are free everywhere, but adults pay. They always had to pay but it used to be a token amount like €10/year but due to budget cuts over the last 10 years library memberships have become pretty expensive so there are less members every year.

Politically, organizations that are 100% dependent on government money are controversial, especially when they are considered to be only for the elite, like libraries, theatres, museums etc.

Those organizations are told to "work on their entrepreneurship" and if they don't bring in enough of their own money their budget will be cut. That's why my city's library has closed all of its locations except the big library downtown, rented out half of their downtown building and installed a coffee bar. The no-frills membership is €40, the full membership €70 and a very basic membership that only gives you internet access at the library (so you can't borrow books) is €20/year.

I don't spend €70 on books a year now, so my total costs would go up, but I do feel the library could use the support.

Wow.  Thanks for explaining.  I'm happy to live somewhere that sees libraries as a right.

Linda_Norway

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #171 on: February 12, 2019, 01:05:03 AM »
Wait - libraries cost money to belong to in Europe?  Ours (Australia) are free, except when you return a book late or lose it.

Not everywhere in Europe. In Norway libraries are free, also when you order a book from another library.

Linda_Norway

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #172 on: February 12, 2019, 01:13:42 AM »
Divide roughly by 10 to make euros:

So far in February:
Home: 5136 (electricity, insurance, my cell phone)
Hobby: 1230 (Membership and event. I have requested 750 of the event to be refunded as promised)
Bonus program income: 156
Clothes: 458 (Replacement for sports shirt with holes)
Food: 1391
Savings: 10.000
Transport: 752 (this is only fuel, it included a trip)

Total spent: 8811
« Last Edit: February 12, 2019, 01:15:53 AM by Linda_Norway »

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #173 on: February 12, 2019, 06:48:06 AM »
At least in my country (NL) they do unfortunately. They are funded by local authorities and I think kids are free everywhere, but adults pay. They always had to pay but it used to be a token amount like €10/year but due to budget cuts over the last 10 years library memberships have become pretty expensive so there are less members every year.

Politically, organizations that are 100% dependent on government money are controversial, especially when they are considered to be only for the elite, like libraries, theatres, museums etc.

Those organizations are told to "work on their entrepreneurship" and if they don't bring in enough of their own money their budget will be cut. That's why my city's library has closed all of its locations except the big library downtown, rented out half of their downtown building and installed a coffee bar. The no-frills membership is €40, the full membership €70 and a very basic membership that only gives you internet access at the library (so you can't borrow books) is €20/year.

I don't spend €70 on books a year now, so my total costs would go up, but I do feel the library could use the support.

Wow.  Thanks for explaining.  I'm happy to live somewhere that sees libraries as a right.

Woah, that’s really interesting since here libraries are often seen as for the poor who can’t afford books. (They are free except fines.) When I enthuse about the Chicago Public Library and encourage people to use their branch, I sometimes see people actually wrinkle their nose! I don’t hear too many complaints about spending on public libraries though...but then again how would people complain about the unemployed without being able to say there are plenty of resources at the library for them to look for jobs? Ours have free internet/computers and you can also check out movies, music, ebooks, audio books etc. Plus free tax prep and other classes/workshops. On really cold day (like recently when it was -50 F) they also serve as warming centers for those who need it.

Imma

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #174 on: February 12, 2019, 08:31:28 AM »
We tell unemployed people to go to temp agencies because they always have plenty of jobs advertised in their windows :)
In my city's library homeless people are welcome to spend the day and they can get free coffee in the cafe.

I think the line of thinking is that only educated/rich/elite people read books. And considering the lack of protests I guess a large part of the population indeed don't care much about libraries. The thing about budgets is you have to make choices, and when local authorities need to make choices about spending, culture is not considered as important as health care, welfare or infrastructure. And within the culture budget, a pop music venue or something that attracts expats or tourists is more important than boring stuff like libraries or classical music or drama (that politicians like to call left-wing hobbies)

I'm extremely thankful to have had access to a great library when I was a kid. They gave me access to so much information, so many things I'd never heard of. They would have free summer reading programs that I participated in, they invited authors to talk about their work, offered all kinds of classes, I even had cheap music lessons there (that my parents couldn't have afforded otherwise).

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #175 on: February 12, 2019, 02:48:48 PM »
I'm extremely thankful to have had access to a great library when I was a kid. They gave me access to so much information, so many things I'd never heard of. They would have free summer reading programs that I participated in, they invited authors to talk about their work, offered all kinds of classes, I even had cheap music lessons there (that my parents couldn't have afforded otherwise).

+1.  I'm very grateful to have had access to good library as a kid.  I grew up fairly poor, and would probably not be where I am without that library.  @Imma -- just curious, did you grow up in the Netherlands?

Imma

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #176 on: February 12, 2019, 11:53:47 PM »
I'm extremely thankful to have had access to a great library when I was a kid. They gave me access to so much information, so many things I'd never heard of. They would have free summer reading programs that I participated in, they invited authors to talk about their work, offered all kinds of classes, I even had cheap music lessons there (that my parents couldn't have afforded otherwise).

+1.  I'm very grateful to have had access to good library as a kid.  I grew up fairly poor, and would probably not be where I am without that library.  @Imma -- just curious, did you grow up in the Netherlands?

Yes, I did :)

Peachtea

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #177 on: February 14, 2019, 06:18:08 AM »
Mid month update. Monthly budget to meet 40k goal is $3,333 ($1658 after rent). $829 is our half way mark, and our total so far is $886. Over budget, boo. Mostly due to high upfront travel costs and one fairly large goof. Not too bad, I think we can still come in under budget at end of month, but also not in align with “Frugal February.”

Blue = last month| Green is this month (so far..)

Rent: $1675| $0
Groceries & Personal Care: $577| $182
Travel: $275| $541- $115 friend’s (July) bridal shower lodging & activity fee; $425.81 (5 night) apartment rental for part of June vacation
Shopping: $125| $0
Eating & Drinking Out: $124| $133 - $8 water (@Hamilton!); $17.33 drinks w/coworkers; $92.94 nice dinner out (we splurged b/c we had a giftcard, but then we forgot the giftcard!); $14.49 lunch & coffee w/coworkers
Internet, Phone, & Electric: $71.33| $30 internet
Other: $107.45| $0

I’ve been pleased with my progress on trying not to get coffee out since going back to work. Pre-shutdown, coworker and I got a French press set up cobbled together at work and that has really helped. I cringed a little when I got coffee after lunch with the coworkers. First coffee out in two months...and my initial reaction was wow, this is so much better than the coffee I make. No wonder I’m addicted.

While we were under budget until the apartment rental posted, I was super excited that it did. I thought we weren’t going to be charged until April and it’s more useful to us now for cc points. We already used points for flights (paid $100/each in taxes in Nov) and 5 nights of hotel for our June vacation. I’m hoping to have enough points soon to book the remaining 5 hotel nights with points as well.

I have to say the idea of posting my expenses has definitely made me rethink a purchase or two. And the more regular, granular checks in keep me honest with myself, especially with the eating/drinking out category.

Slow&Steady

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #178 on: February 14, 2019, 07:10:16 AM »
Jan 2019
% of monthly budget spent
Household supplies/groceries: 94%
Eating out: 79%

Mid Feb 2019
% of monthly budget spent
Household supplies/groceries: 66%
Eating out: 69%

3 of 6 of us had to attend an out of state funeral that was not planned for so the eating out budget is mostly shot for the rest of the month. The grocery budget is over 50% because the monthly Costco trip happens in the 1st half of the month but last throughout the rest of the month.

Trifele

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #179 on: February 14, 2019, 08:42:24 AM »
Halfway through the month.  February grocery spending so far is $318, or 53% of our target $600 for two adults + two teenagers.  With a little effort we should be able to come in under $600 for the month. 

Gas spending is way down this month because I retired and am not commuting any more.  And still nothing spent this year so far on (1) eating out or (2) alcohol.  Wins!  I did have to buy some kids' clothes this month as they are growing.  Nothing spent so far this year for any clothing for the adults though.

Marching on!   


Linda_Norway

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #180 on: February 14, 2019, 01:44:59 PM »
Yesterday I spent over 200$ on a dentist visit. It was my annual control. Monday I felt pain in a part of my teeth. In that area the dentist found a starting hole with some bacterial growth, under an old filling. She said it would be best to remove and fill it now, instead of waiting and risking that the whole filling will have to be replaced later. Therefore the cost of an investigation, x rays, drilling and filling. Here in Norway we don't have such a thing as health insurance with dental coverage. Luckily I don't normally have a hole.

JAYSLOL

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #181 on: February 16, 2019, 01:34:21 AM »
Well, to be fully accountable, I done effed up budget-wise.  Went to a local wholesale/liquidation place today because they had a clothing sale.  Their clothing is new, mostly quality brand name stuff for 10-30% off the original price which doesn't get me excited, but they had a special sale and stuff was like 80+% off the markdown price, so we basically loaded our car for like $200.  I bought a bunch of new Levi's jeans for $5 each.  Anyway, clothing budget is blown for the month (most of the year actually) but on the bright side I won't have to buy much for clothes for the better part of the next decade.  I'm thinking I might get my side-hustle on and go back tomorrow for the rest of the jeans, should be able to triple my money pretty quick on Facebook selling those..

Imma

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #182 on: February 16, 2019, 02:49:51 AM »



Total Jan: €508


Food: €108
Travel: €106
Hairdresser: €25
Trip: €30
Maintenance: €30
Shopping: €18
Fun: €25 (lunch for two during a bike trip on the first spring day)
Tuition: €486

This month will be a lot more expensive due to the tuition, but other than that I'm not dissatisfied. Shopping is two jars with lids for breakfast on the go and a book.

TNT

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Re: Hold yourself openly accountable for your spending in 2019
« Reply #183 on: February 16, 2019, 01:48:04 PM »
Mid-month check in...

This thread is really helping curb my food spending! I'm well under budget for groceries and restaurants because having to report my numbers at month's end is definitely motivating me to behave. Unfortunately, last month's phenomenon of cooking at home leading to gaining weight has become a trend. The budget looks good but the scale does not. :(

Miscellaneous will be a bit high because I paid my annual membership fee for Costco. Next month I'll get my Costco Citibank reward, which will pay me back for the membership fee plus about $120. Huzzah!

Now...ahem...(ducks behind computer screen)

I booked myself and Kid-4 plane tickets to Madrid last night! This is my big spend item for 2019. It's been planned for a long time, and my tax refund will cover the majority of the trip, and it's totally conscious spending. Why do I feel sheepish about posting it here?

This thread really does its job, I tell ya.