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June spending report

compared to our may spending report...

Restaurants: $330, about the same as May. I'm happy to say that our two biggest restaurant bills were a ton of food for my birthday party, and a ton of pizza when my sister and parents visited.

Groceries: $1175, darn close to the budget!

Alcohol: $129, down from $200

Home improvement: $805. The last bit for the backyard, but mostly a plumber for the sewer line (sigh) and the quarterly exterminator guy comes out. Hey, it's down from $1640 last month!

Car repairs: $1569 to fix marc's breaks and bearings. we have spent $4500 this year on a car that I think is barely worth $5K. The problem is 1) it's all been a little here, a little there. Not one big thing that cost $5K so we could look at it and say "the car is totaled!" the other problem is that used car prices are so high, we wouldn't dare buy another car this year. So I REALLY hope that the money we've shoved in will please the car karma spirits (carma?) and they'll leave us alone for a bit?

I deposit an amount that closely resembles a car payment into an emergency savings account each paycheck. I feel zero guilt about dipping into that fund this month for our stupid car.

Other stuff: $100 for AAA hit. I need to call my car insurance to see what roadside assistance would cost through them. nothing like a "surprise!" annual subscription when you're watching spending really close.

$60 for AT&T to activate Josie's new phone. The phone itself will only cost $10 a month which is great, and the activation fee should have only been $30. But there was a chance there for AT&T to double charge us and if there's one thing they jump on, it's screwing up a bill. I'll call them.

Gas: $300

Shopping: $530, up from $418 in May. I REALLY want new running shoes, mine are shot! $200 was hair dye. Don't get me started, Marc's DJ fund is paying for it - him and the girls are way too latched into the vibrant hair trend and I bitched at them about it but at the end of the day, I am being outvoted.

Vacation: $200 on tickets to six flags, tickets to a cave tour... that is the tip of the iceberg pre-sales on vacation. the rest will all hit july and the restaurant tab alone will be zillions. but that was our biggest trip of the year, and we used points to get a free hotel, and no flying anywhere. I should try to relax.



( 8 comments — Leave a comment )
Jul. 7th, 2021 01:10 pm (UTC)
The car calculus is so frustrating. My mechanic would tell me it’s time to invest in a new car, but that’s easier said than done on a budget, and when the repairs come in dribs and drabs. And especially when it is regular maintenance stuff like brakes.
Jul. 7th, 2021 02:01 pm (UTC)
My sister said she saves 10% of her income into a house sinking fund, which sounds like a LOT until I look at your numbers, which aren't far off from hers.
Jul. 7th, 2021 02:04 pm (UTC)
I really like your spending reports! How do you track things, do you keep receipts and put the data in an Excel table somewhere or some other way?
Jul. 7th, 2021 10:10 pm (UTC)
receipts sound terrible! no, I go to my credit card website and download an excel data of the last statement's data... there's usually a few time periods to pick from, I like going by statement. then I sort by merchant and it's pretty fast to categorize stuff.

In fact I have five cards now with four different companies, and they ALL have a nice .csv or .xls export option, so it must be incredibly common.
Jul. 8th, 2021 08:17 am (UTC)
But how do you then distinguish between groceries, alcohol and other shopping if they are part of the same transaction? Credit card statements only give total spend per transaction at a particular shop, right? Or do you never do mixed purchases at the supermarket? I quite often end up buying clothes and stuff for the house (both just household items and also things for renovation) at the supermarket while doing my grocery shopping, so I would struggle to keep track this way.
Jul. 8th, 2021 03:46 pm (UTC)
I guess I luck out with the way we shop. I'll admit my budget is probably not 100% accurate, but I bet it's 90% accurate.

Our grocery store is close and we don't buy non-groceries there very often at all. marc goes to the grocery store every day, he loves it, and is never looking to reduce his errands with one-stop shopping.

our target is far away so we go there for special purposes, and might throw a pack of steaks in the cart but but of the trip was probably "shopping". we go to target maybe 2-3 times a month. shopping is really what we spent at non-grocery stores... target, sporting goods, crafts, amazon (we spent $8 on amazon last month, still pretty much don't use it).

kansas has liquor stores because grocery stores can only sell beer. we may have bought some at costco once but not often. it's true that my "restaurants" line definitely has some alcohol on there but I don't bother dividing it up, I'm okay with my "alcohol" total really being "what I spent at liquor stores".

Jul. 7th, 2021 02:21 pm (UTC)
The vacation bills may be painful when you pay them, but that trip sounds like something the girls will always remember.
Jul. 9th, 2021 03:48 am (UTC)
Pretty sure I pay $10 every 6 months for roadside assistance through GEICO for my car.
( 8 comments — Leave a comment )

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