Author Topic: Hold yourself openly accountable for your spending in 2019  (Read 61026 times)

haypug16

  • Handlebar Stache
  • *****
  • Posts: 1329
  • Age: 46
  • Location: Boston, MA
Re: Hold yourself openly accountable for your spending in 2019
« Reply #150 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

  • Pencil Stache
  • ****
  • Posts: 563
Re: Hold yourself openly accountable for your spending in 2019
« Reply #151 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

  • Handlebar Stache
  • *****
  • Posts: 2361
Re: Hold yourself openly accountable for your spending in 2019
« Reply #152 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

  • Walrus Stache
  • *******
  • Posts: 8564
  • Location: Oregon
Re: Hold yourself openly accountable for your spending in 2019
« Reply #153 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

  • Walrus Stache
  • *******
  • Posts: 9140
  • Location: Avalon
Re: Hold yourself openly accountable for your spending in 2019
« Reply #154 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

  • Handlebar Stache
  • *****
  • Posts: 2361
Re: Hold yourself openly accountable for your spending in 2019
« Reply #155 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

  • Magnum Stache
  • ******
  • Posts: 3193
  • Location: Europe
Re: Hold yourself openly accountable for your spending in 2019
« Reply #156 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

  • Bristles
  • ***
  • Posts: 325
Re: Hold yourself openly accountable for your spending in 2019
« Reply #157 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

  • Magnum Stache
  • ******
  • Posts: 2583
Re: Hold yourself openly accountable for your spending in 2019
« Reply #158 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.

Imma

  • Magnum Stache
  • ******
  • Posts: 3193
  • Location: Europe
Re: Hold yourself openly accountable for your spending in 2019
« Reply #159 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

  • 5 O'Clock Shadow
  • *
  • Posts: 40
Re: Hold yourself openly accountable for your spending in 2019
« Reply #160 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

  • Handlebar Stache
  • *****
  • Posts: 1835
  • Location: Stuck in Melbourne still. Dreaming of WA
  • Learning.
Re: Hold yourself openly accountable for your spending in 2019
« Reply #161 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

  • Magnum Stache
  • ******
  • Posts: 3193
  • Location: Europe
Re: Hold yourself openly accountable for your spending in 2019
« Reply #162 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

  • Handlebar Stache
  • *****
  • Posts: 1835
  • Location: Stuck in Melbourne still. Dreaming of WA
  • Learning.
Re: Hold yourself openly accountable for your spending in 2019
« Reply #163 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.

Linea_Norway

  • Walrus Stache
  • *******
  • Posts: 8714
  • Location: Norway
Re: Hold yourself openly accountable for your spending in 2019
« Reply #164 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.

Linea_Norway

  • Walrus Stache
  • *******
  • Posts: 8714
  • Location: Norway
Re: Hold yourself openly accountable for your spending in 2019
« Reply #165 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 »

Peachtea

  • Bristles
  • ***
  • Posts: 292
Re: Hold yourself openly accountable for your spending in 2019
« Reply #166 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

  • Magnum Stache
  • ******
  • Posts: 3193
  • Location: Europe
Re: Hold yourself openly accountable for your spending in 2019
« Reply #167 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).

Trifle

  • Walrus Stache
  • *******
  • Posts: 6749
  • Age: 58
  • Location: Outside, NC, US
    • In The Garden
Re: Hold yourself openly accountable for your spending in 2019
« Reply #168 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

  • Magnum Stache
  • ******
  • Posts: 3193
  • Location: Europe
Re: Hold yourself openly accountable for your spending in 2019
« Reply #169 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

  • Bristles
  • ***
  • Posts: 292
Re: Hold yourself openly accountable for your spending in 2019
« Reply #170 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

  • Pencil Stache
  • ****
  • Posts: 698
  • Location: Midwest
Re: Hold yourself openly accountable for your spending in 2019
« Reply #171 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.

Trifle

  • Walrus Stache
  • *******
  • Posts: 6749
  • Age: 58
  • Location: Outside, NC, US
    • In The Garden
Re: Hold yourself openly accountable for your spending in 2019
« Reply #172 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!   


Linea_Norway

  • Walrus Stache
  • *******
  • Posts: 8714
  • Location: Norway
Re: Hold yourself openly accountable for your spending in 2019
« Reply #173 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

  • Handlebar Stache
  • *****
  • Posts: 2361
Re: Hold yourself openly accountable for your spending in 2019
« Reply #174 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

  • Magnum Stache
  • ******
  • Posts: 3193
  • Location: Europe
Re: Hold yourself openly accountable for your spending in 2019
« Reply #175 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

  • Pencil Stache
  • ****
  • Posts: 563
Re: Hold yourself openly accountable for your spending in 2019
« Reply #176 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.

Rustychase

  • 5 O'Clock Shadow
  • *
  • Posts: 40
Re: Hold yourself openly accountable for your spending in 2019
« Reply #177 on: February 18, 2019, 06:39:03 PM »
I've spent about $400 since the beginning of the month so far, between electric bill, water bill, internet, phone, and catching up on medical bills I've been behind on since last June...ready for Friday when I get paid again from both jobs!

use2betrix

  • Magnum Stache
  • ******
  • Posts: 2583
Re: Hold yourself openly accountable for your spending in 2019
« Reply #178 on: February 18, 2019, 06:48:29 PM »

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.

Way to keep on track!! I definitely agree on the accountability thing around here! Planned or not, there’s certainly a small amount of “guilt” for much past bare bones spending! I leave a TON of room for fluff in our budget but even this month we won’t hit it. Next month will be just as hard paying rent for two places for 19 days while we move.

thesavoryhello

  • 5 O'Clock Shadow
  • *
  • Posts: 20
Re: Hold yourself openly accountable for your spending in 2019
« Reply #179 on: February 18, 2019, 07:59:30 PM »
I'm in too! My partner and I averaged $2,861/month combined expenses in 2018. Goal for 2019 is to spend a maximum of $24,000 next year ($2,000 per month).

In January our expenses were $1,964. Most of that went to food and rent. We were on target last month (although quite close!), which is interesting because I felt like we were being spendy. For example we ate out a few times to celebrate my birthday, and we bought a lot of pet supplies because our angelfish started spawning and we got all excited about raising the baby fish.

We just started working towards FIRE last summer, and are enjoying brainstorming ways to be more frugal and make more money. In early February I accepted an offer for an $85/hr side gig that I'm excited about.

I hope that February is going well for everyone! I am hopeful for a sub-$2,000 month, we seem to be mostly on the right track so far.

philli14

  • Bristles
  • ***
  • Posts: 325
Re: Hold yourself openly accountable for your spending in 2019
« Reply #180 on: February 21, 2019, 11:54:27 AM »
One Week To Go Update

Cell phone (2018: $75/mo | 2019 GOAL: $10/mo): JAN: $24. | FEB: $3
As expected.

Gas/Fuel (2018: $160/mo | 2019 GOAL: $50/mo): JAN: $32. | FEB: $0
Down to about 1/3 full, still hoping I can make it through the month!

Restaurants/Bars (2018: $540/mo | 2019 GOAL: $300/mo):JAN: $13. | FEB: $84
Splurged a little bit on the weekend, expecting one more dinner out this coming weekend. Should be well under $150, easily in the green.

"Shopping" (2018: $420/mo | 2019 GOAL: $150/mo): JAN: $426. | FEB: $173
Gonna try to break it down a bit more for you guys (and myself) for more clarity/accountability. 45$ spent on bike equipment (helmet, lights, chain lube), 11$ spent on cloth materials to sew some produce bags, 30$ spent on brewing ingredients for a Hazy IPA (grains, hops, yeast), $20 to e-file my tax return, 56$ on some barrel aged brews... So I'd say about 45$ necessary, 61$ not-necessary but not splurging, 56$ complete splurge :(

Car (2018: $445/mo | 2019 GOAL: $100/mo): JAN: $54. | FEB: $0
Nothing else anticipated!

Shopping again! Bike-related purchases should be done for now.. Will not buy any beer in March given that I'll have a 5 gallon batch of tasty brew to sip on.

EDIT: Messing around with some different formatting..


Category        2018 AVG | 2019 GOAL |   JAN |   FEB |
Cell Phone         $  75 |     $  10 | $  24 | $   3 |
Gas/Fuel           $ 150 |     $  50 | $  32 | $   0 |
Restaurants        $ 540 |     $ 300 | $  13 | $  84 |
"Shopping"         $ 420 |     $ 150 | $ 426 | $ 173 |
Car Expenses       $ 445 |     $ 100 | $  54 | $   0 |
---------------------------------------------------------
Total              $1630 |     $ 610 | $ 549 | $ 260 |
« Last Edit: February 21, 2019, 04:29:57 PM by philli14 »

middo

  • Handlebar Stache
  • *****
  • Posts: 1835
  • Location: Stuck in Melbourne still. Dreaming of WA
  • Learning.
Re: Hold yourself openly accountable for your spending in 2019
« Reply #181 on: February 21, 2019, 03:16:42 PM »
I thought I would also do an update, as most of our expenses are done for the month.

                  Feb so far   Jan      2018 average
Food:          $261          $777   (598)
Non-Food:   $129          $337   (441)
Eating out:  $302          $656   (570)
Medical:      $437          $687   (603)
Kids:           $1561        $1257   (2806)
Mortgages:  $4982        $4962   (5122)
Utilities:      $3219        $872    (2045)
Transport:   $1208        $1193   (1819)
Holidays:    $106          $1459   (487)

Total:          $12205      $12,037   (14,491)  or a drop of 16%.

Utilities were horrendous this month, as rates ($1800) and many other bills all arrived at once.  We are paying the utilities on 3 properties, and have just reduced that two through a rental arrangement with our son.

We may still blow the holiday budget, as we are planning a holiday to see out son in a couple of weeks time (it's a significant birthday for him), which will leave a $1000 hole in the budget.  Planned spending is why we save, right?

Transport - a speeding fine for 10 km/h over (110 in a 100 zone, not far from the end of 110 section) for $322.  Ouch.  My wife will be more careful in the future she tells me.

The kids expenses are ticking back up.  Uni accommodation will add to it and it will be back to around $2000 a month from now on, with some extras for books ($600 coming up).

Eating out is still an issue.

We have cut our recurring telecommunications costs by around $150 per month over the last few weeks, so we should see that flow through shortly too.

Not as bad as I feared, not as good as I hoped.

Imma

  • Magnum Stache
  • ******
  • Posts: 3193
  • Location: Europe
Re: Hold yourself openly accountable for your spending in 2019
« Reply #182 on: February 25, 2019, 05:35:57 AM »
Total Jan: €508


Food: €165
Travel: €156
Hairdresser: €25
Trip: €30
Maintenance: €30
Shopping: €24
Fun: €25 (lunch for two during a bike trip on the first spring day)
Tuition: €486
Summer vacation: €160

I bought (another) new book, but I had a gift voucher so only spent €6. We bought tickets for our trip in July. For me this is an expensive month but other than the tuition and the summer trip I'm not really doing too badly. Due to family circumstances my travel costs will likely increase over the next month and so will my eating out costs. I'm just thankful that I can make the choice to spend more when necessary without getting into financial difficulties.

Slow&Steady

  • Pencil Stache
  • ****
  • Posts: 698
  • Location: Midwest
Re: Hold yourself openly accountable for your spending in 2019
« Reply #183 on: February 25, 2019, 07:43:21 AM »
Jan 2019
% of monthly budget spent
Household supplies/groceries: 94%
Eating out: 79%

1 week left Feb 2019
% of monthly budget spent
Household supplies/groceries: 87%
Eating out: 105%

3 of 6 of us had to attend an out of state funeral that was not planned for so the eating out budget is shot and I already had a lunch date with an old friend planned for today.  I am not going to skip that time with her because I need (mentally/emotionally) the friendship.

thesavoryhello

  • 5 O'Clock Shadow
  • *
  • Posts: 20
Re: Hold yourself openly accountable for your spending in 2019
« Reply #184 on: February 26, 2019, 05:46:06 PM »

3 of 6 of us had to attend an out of state funeral

I'm so sorry <3

Trifle

  • Walrus Stache
  • *******
  • Posts: 6749
  • Age: 58
  • Location: Outside, NC, US
    • In The Garden
Re: Hold yourself openly accountable for your spending in 2019
« Reply #185 on: February 28, 2019, 06:03:36 AM »
And that's a wrap on February.  Good month, spending wise.  It helps that it's a short month.

Our goals are total monthly spending of $2700 for our family of four -- two adults + two teenagers, and keeping the total food spend under $600.   ($600 on food for a month is an aggressive target for us; last year we averaged $750.)  This month we met both targets.  :)  Other highlights of the month:  Nothing spent this year so far on eating out or alcohol.  Low point of the month:  Utilities continue to be VERY high.  We don't have a specific number goal (since utility usage fluctuates so much with the weather), but this is too high!  [punching self in face]  We need to redouble our efforts.


                   Total spend               Food               Utilities

January       $3869 (144%)      $656 (109%)         $539
February      $2223 (82%)       $593 (99%)           $558 (ouch)
 

Linea_Norway

  • Walrus Stache
  • *******
  • Posts: 8714
  • Location: Norway
Re: Hold yourself openly accountable for your spending in 2019
« Reply #186 on: February 28, 2019, 06:50:56 AM »
Two of my credit card accounts show purchases very late. I don't see the purchases I made yesterday. Maybe the places where I spent it send it in with some delay. So my February wrap-up will have to wait some days.

zygote

  • Pencil Stache
  • ****
  • Posts: 529
Re: Hold yourself openly accountable for your spending in 2019
« Reply #187 on: February 28, 2019, 09:00:05 AM »
I'm on track to spend ~$44k this year, and I would love to get that down to ~$40k in 2019.

Final numbers are in for 2018, and I spent $42,874. Rent is by far my biggest expense (HCOL) and is pretty well optimized for where we are. However, there's plenty to cut elsewhere:

-2019 goal is to spend less on dining out than I do on ingredients from the grocery store. Success again! Groceries were pretty steady at $260, eating out was $150.

-I see a lot of theater, and that's also important to me, but I want to put in more effort making sure I get the lowest priced tickets possible through rushes and lotteries. Success. Spent less this month, $230. That was for 6 tickets, so my average price is also better (<$40).

-I spend too much on personal care items like skincare. I need to stick to my routine, use up what I've got, and stop trying new products. Definitely a success! Only replaced a toner I love that was completely gone.

Spent $3100 this month, including $800 towards a long-planned vacation. More than last month, but it's still a huge reduction in my monthly average of $3500 from last year. I'm also well on pace to hit my goal of $40k for the year.

philli14

  • Bristles
  • ***
  • Posts: 325
Re: Hold yourself openly accountable for your spending in 2019
« Reply #188 on: February 28, 2019, 09:41:54 AM »
February now done, have to say it was a successful month. Looking forward to starting anew in March, target obviously going to be minimizing that awful shopping category. Thank you all for the motivation and inspiration!!


Category        2018 AVG | 2019 GOAL | 2019 AVG |   JAN |   FEB |
Cell Phone         $  75 |     $  10 |    $  14 | $  24 | $   3 |
Gas/Fuel           $ 150 |     $  50 |    $  16 | $  32 | $   0 |
Restaurants        $ 540 |     $ 300 |    $  49 | $  13 | $  84 |
"Shopping"         $ 420 |     $ 150 |    $ 301 | $ 426 | $ 175 |
Car Expenses       $ 445 |     $ 100 |    $  27 | $  54 | $   0 |
---------------------------------------------------------
Total              $1630 |     $ 610 |    $ 407 | $ 549 | $ 262 |
« Last Edit: March 01, 2019, 10:14:56 AM by philli14 »

middo

  • Handlebar Stache
  • *****
  • Posts: 1835
  • Location: Stuck in Melbourne still. Dreaming of WA
  • Learning.
Re: Hold yourself openly accountable for your spending in 2019
« Reply #189 on: February 28, 2019, 05:48:25 PM »
Final February numbers:
 
                  Feb so far   Jan      2018 average
Food:          $376          $777   (598)
Non-Food:   $110          $337   (441)
Eating out:  $310          $656   (570)
Medical:      $496          $687   (603)
Kids:           $2385        $1257   (2806)
Mortgages:  $5013        $4962   (5122)
Utilities:      $3219        $872    (2045)
Transport:   $1476        $1193   (1819)
Holidays:    $1307         $1459   (487)

Total:          $14692      $12,037   (14,491)  or an increase of 1%

Utilities and holidays busted our budget.  We booked a holiday to see our son on his 25th birthday, for a short fly-in overnight and fly out the next day. 

Next month will be better.  Promise.

*Edit - total expenses so far $26729.  Last year (on averages) $28982 .  This is still down 8% so far for the year.  Aim is at least 10%.
« Last Edit: February 28, 2019, 05:51:03 PM by middo »

philli14

  • Bristles
  • ***
  • Posts: 325
Re: Hold yourself openly accountable for your spending in 2019
« Reply #190 on: February 28, 2019, 08:43:22 PM »
Final February numbers:
 
                  Feb so far   Jan      2018 average
Food:          $376          $777   (598)
Non-Food:   $110          $337   (441)
Eating out:  $310          $656   (570)
Medical:      $496          $687   (603)
Kids:           $2385        $1257   (2806)
Mortgages:  $5013        $4962   (5122)
Utilities:      $3219        $872    (2045)
Transport:   $1476        $1193   (1819)
Holidays:    $1307         $1459   (487)

Total:          $14692      $12,037   (14,491)  or an increase of 1%

Utilities and holidays busted our budget.  We booked a holiday to see our son on his 25th birthday, for a short fly-in overnight and fly out the next day. 

Next month will be better.  Promise.

*Edit - total expenses so far $26729.  Last year (on averages) $28982 .  This is still down 8% so far for the year.  Aim is at least 10%.

Sounds like a front-loaded year.. here's to a good couple of months to bring those numbers down!! If not, you're still down on total expenses AND your listed expenses (accounting for inflation) :)

TNT

  • Pencil Stache
  • ****
  • Posts: 563
Re: Hold yourself openly accountable for your spending in 2019
« Reply #191 on: March 01, 2019, 10:02:52 AM »
February is a done deal. The numbers look pretty, but that's mostly because my income taxes came through, so the "Financial" category shows an income tax expenditure of -$1,818. The federal government, it seems, pays me to live here.

I have to admit that as the numbers started to gel as the month came to a close, I very nearly decided to abandon this challenge. I looked back on my spending, and even though it's higher in a lot of areas than any good mustachian should allow, there really aren't any decisions I regret making. After a week or two of contemplation, I did go ahead and buy the steam cleaner I mentioned upthread. I'm not sorry.

What's really holding me back from the SR I'd like to have is the fact that my 18-year-old is still costing me a significant amount of money, even though she's technically an adult. It does show up as a big spending category, but in reality it's much more of a parenting issue than a spending issue. I'm trying to be patient and hope that she gradually takes over more of it, or all of it, and stops...ummm...doing dumb things with her money.

BUT with all that said, I've also realized that this challenge is REALLY helping with my grocery budget. I came in under budget for the first time in [many, many months], just because I want the number to look nice for you people. :)

ETA: I’m taking the spreadsheet down because the name changes didn’t save and this version showed our first names. Too lazy to start over.
« Last Edit: March 01, 2019, 04:07:33 PM by TNT »

Slow&Steady

  • Pencil Stache
  • ****
  • Posts: 698
  • Location: Midwest
Re: Hold yourself openly accountable for your spending in 2019
« Reply #192 on: March 01, 2019, 01:53:53 PM »
Jan 2019
% of monthly budget spent
Household supplies/groceries: 94%
Eating out: 79%

Feb 2019
% of monthly budget spent
Household supplies/groceries: 97%
Eating out: 99%

Eating out was showing as over budget earlier this week but there were a few things that were int he wrong category or double counted.  We are just barely under budget but we are under. Some people eat when they are grieving, a lot.


3 of 6 of us had to attend an out of state funeral

I'm so sorry <3

Thank you.

ooakosiryan

  • 5 O'Clock Shadow
  • *
  • Posts: 10
  • Age: 41
  • Location: Edmonton, AB
    • diary of a frugal kid
Re: Hold yourself openly accountable for your spending in 2019
« Reply #193 on: March 01, 2019, 02:43:46 PM »
February was another great month! My work flew me to Toronto, so I left a couple days early to spend a weekend hanging out with some relatives in the 6ix. We went to a community event with a free plant-based dinner, got our asses kicked at a boxing class (also free b/c it was a PR event), and played some fun board games (Splendor and Settlers of Catan). Other highlights in February were taking a 'healthy desserts' cooking class on Valentine's day, singing my heart out in a tiny karaoke booth at a cute little Korean bar (twice!), and watching iskwē perform at the Mod Club in Toronto. I've been finding cool free or cheap events by browsing Eventbrite and just googling. Anyways, here's the damage for the whole month:

Restaurants/bars/karaoke: $46.24
iskwē: $24.40
Cooking class: $11.06
Groceries: $42.16
Movie theatre: $3.60
Tickets for future event @ waterpark: $23.34
Subtotal of variable spending: $150.80

Subtotal of fixed expenses (rent, insurance, utilities, interwebs, phone, and Netflix): $485

Grand total of all February expenses: $150.80 + $485 = $635.80

Feeling good about beating my $700 challenge for the first two months of 2019 :)
« Last Edit: March 01, 2019, 02:46:45 PM by ooakosiryan »

use2betrix

  • Magnum Stache
  • ******
  • Posts: 2583
Re: Hold yourself openly accountable for your spending in 2019
« Reply #194 on: March 01, 2019, 02:49:11 PM »
February is a done deal. The numbers look pretty, but that's mostly because my income taxes came through, so the "Financial" category shows an income tax expenditure of -$1,818. The federal government, it seems, pays me to live here.

I have to admit that as the numbers started to gel as the month came to a close, I very nearly decided to abandon this challenge. I looked back on my spending, and even though it's higher in a lot of areas than any good mustachian should allow, there really aren't any decisions I regret making. After a week or two of contemplation, I did go ahead and buy the steam cleaner I mentioned upthread. I'm not sorry.

What's really holding me back from the SR I'd like to have is the fact that my 18-year-old is still costing me a significant amount of money, even though she's technically an adult. It does show up as a big spending category, but in reality it's much more of a parenting issue than a spending issue. I'm trying to be patient and hope that she gradually takes over more of it, or all of it, and stops...ummm...doing dumb things with her money.

BUT with all that said, I've also realized that this challenge is REALLY helping with my grocery budget. I came in under budget for the first time in [many, many months], just because I want the number to look nice for you people. :)

Nice work! I dig your fancy spreadsheet. I certainly think of this thread with plenty of my regular spending decisions, but still have no problem “not being sorry.” Somethings just do seem worthwhile even if they aren’t “mustachian.” I went skiing and rented snowmobiles in February. Put a HUGE dent on my budget. However it was at the end of a work trip in a beautiful mountainous part of the country I had never been, and likely won’t be back for a long time. I grew up doing those things but living in the crappy south due to work, has me missing them terribly. As such, I won’t turn down the very rare chance that I have to enjoy those things.

Nederstash

  • Bristles
  • ***
  • Posts: 469
Re: Hold yourself openly accountable for your spending in 2019
« Reply #195 on: March 02, 2019, 09:04:23 AM »
Right, here goes, the February numbers. Big expense this month: taxes. This is everything together: income, property, city, sewer&watersystem taxes. However, this'll be everything for the entire year.

Taxes: 869
Holiday: 118 (a forgotten payment for Iceland and a tickets to get on the Hogwarts Express in Scotland... worth it!)

Groceries: 212 (over budget by 32... must do better)
Going out: 107
Personal: 39
Gifts: 25
Cat/vet: 76 (Stocking up on food + new litter box)
House: 307 (I had some saved up in this fund, thankfully. This one sucks! Electricity went haywire, had to get an electrician and replace some stuff)
Car: 86

use2betrix

  • Magnum Stache
  • ******
  • Posts: 2583
Re: Hold yourself openly accountable for your spending in 2019
« Reply #196 on: March 02, 2019, 04:02:43 PM »
Looks like our final spending for February is in. We are in the process of moving and I had to finagle a few things around to meet our monthly budget lol. We had $100 in moving expenses which we’ll be reimbursed for next month, so I decided to mark them as reimbursed.

I sold our motorcycle this month as well which was our only debt (I had a low interest rate so no desire to pay it off). We profited about $500 off the sale and it also reduced our expenses about $300/mo. I should really lower our monthly budget down $300, but not quite there yet :-)

February:
Total Spending: $5976

Savings Rate: 78.3%

A few notes:
Groceries: $689 - just over budget
Pets: $731 - wayyyy over normal, our young dog has bad allergies and had to do an allergy test, will be cheaper in the long run than his current prescription
Entertainment - $794 - had a work trip in the mountains. Stayed a couple extra days to snowmobile and ski. Expensive, out of norm, but WORTH IT. During that time the wife also had some family come visit and they did some activities as well.


Overall, I’m amazed that we made our budget (under $6000) but we leave a LOT of float in our budget, which I’m fine with right now. This month we are moving, and paying rent at two places for 19 days during the moving period. Will also have some extra vet bills. Fortunately work will be reimbursing some more of our moving expenses, but it will still be a challenging month. When we move our rent will go up, however other costs such as commuting will go down, so it will mostly be a wash.

March is a 3 paycheck month so I’m hoping to have around $23k in savings for the month.

One of these months we plan to do an “ultimate low spending month” in which I think we can be in the $4000-$4500 for overall spending. It’ll have to be a month which we don’t have our “miscellaneous BS” come up though.. I.e. moving.. travel.. medical.. vet.. etc..
« Last Edit: March 03, 2019, 07:21:51 AM by use2betrix »

Geosoxs

  • 5 O'Clock Shadow
  • *
  • Posts: 12
Re: Hold yourself openly accountable for your spending in 2019
« Reply #197 on: March 02, 2019, 04:22:36 PM »
Count me in! I missed the first two months. I'm going to post my budget and my spending. My goal's are to see where each of my pennies are going.

Peachtea

  • Bristles
  • ***
  • Posts: 292
Re: Hold yourself openly accountable for your spending in 2019
« Reply #198 on: March 02, 2019, 06:33:46 PM »
Monthly budget to meet 40k goal is $3,333 ($1658 after rent). Spent $3,478 $3549 or $145 $216 over budget in February. Not great, especially considering it’s a short month. Mostly over budget because of prepaying travel, drinks out, and new shoes. Most of shopping, other than the small goodwill purchase, was preplanned and delayed 4-9 months, so it sucks but at least it wasn’t spontaneous spending. For eating and drinking out, two splurges really killed us.

Blue = last month| Green = this month

Rent: $1675| $1675
Groceries & Personal Care: $577| $440
Travel: $275| $678 - $115 friend’s (July) bridal shower lodging & activity fee; $425.81 (5 night) apartment rental for part of June vacation; $54.58 megabus tickets to bridal shower; $82.47 megabus tickets to friend’s August wedding
Shopping: $125| $296 $366 - $6.84 goodwill cardigan & blouse; $56.31 baselayer (finally went on sale!); $50.15 sneakers (old pair had holes); $79.99 $154.35 hiking shoes; $97.82 hiking shoes (we never had hiking shoes, realized last year after hiking in sneakers we needed some, but waited until this year to buy).
Eating & Drinking Out: $124| $252 - $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; $23.24 drinks w/coworkers; $95.89 drinks w/friend (paid full tab b/c she picked up last time).
Internet, Phone, & Electric: $71| $80 - $30 internet; $50.50 electric
Other: $108| $57 - $14.99 HBO; $11.98 Netflix; $30 transit card refill

*We’re still buying and returning shoes, so I figure I’ll come back and update final shoe purchase prices even though last round will actually be bought in March. Unfortunately, we started with what I thought were the cheapest versions that would do the trick and final picks will probably be higher...hopefully not by too much.

**edited for final shoe prices.

Nothing to do now but try again at staying under budget in March!
January: $2951 February: $3478 $3549
« Last Edit: March 30, 2019, 01:49:30 PM by Peachtea »

Hirondelle

  • Handlebar Stache
  • *****
  • Posts: 1598
Re: Hold yourself openly accountable for your spending in 2019
« Reply #199 on: March 03, 2019, 05:53:40 AM »
Final Feb numbers are in.

I didn't report on January beyond my own journal so will do that too. Last year my average monthly expenses were €960/month. Both months this year have so far been higher than that.

Total spending for January was €1175, so about €200 higher than normal.
January's facepunch worthy categories:
Groceries   158.18 (buget: 100)
Eating out/Bar 118.85 (budget: 50)
Travel   270.86 (budget: 200 - yes that's crazy high I know. This was a flight to Asia)

Total February spending was a bit better at €1110. Still €150 over my normal budget though.
February's facepunch worthy categories:
Groceries   124.15 (better, but still too high)
Uiteten/Bar   50.8 (nicely around normal budget)
Travel   309.97 (trip to Germany)
Presents   62.5 (present for parents)
Stuff/clothes 131.59 (electric toothbrush + bras)