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Friday, August 3

My Frugal Miser - July Expenses: $3,837

In July my expenses were closer to where I would hope they could be every month.  I spent a fair amount on repairs and maintenance for my vehicle, which I expect since I am approaching 150,000 miles on the Corolla.   All my other expenses were reasonable, though I'd like to get the food budget down some. I guess $214 for 2 people for a month isn't too bad.

On the business side, I did have a hefty $779 expense related to an air conditioner - this summer has been tough on my A/C units.

July Personal Expenses ($1,628)
$559 Auto ($445 for service, $114 for fuel)
$0 Bank Fees
$0 Clothing
$40 Entertainment (movies, gambling, alcohol)
$214 Food
$0 Gifts Given
$29 Home Repair
$14 Household
$0 Homeowner's Association Dues
$139 Health and Dental Insurance
$0 Homeowner's Insurance (paid annually each June)
$0 Medical
$0 Miscellaneous
$376 Mortgage Interest (primary residence)
$6 Personal Care
$0 Subscriptions
$0 Taxes
$164 Utilities
$85 Vacation

July Business Expenses ($2,209)

$738 Mortgage Interest (rental properties)
$242 Interest on Debt (not including Mortgage Interest)
$1,229 Rental Properties - Maintenance and Repairs ($779 for A/C repair, $200 for HOA dues, $250 refund of deposit)

Total July Expenses : $3,837

  • Once again I benefited from mystery shopping by spending just $114 on fuel.
  • I don't have a budget for food but think about $200/month is where I need to be.  This is for two people and includes both groceries and dining out.  Free food from mystery shopping doesn't get counted.
  • After I move, my utilities expense may go down even further.  There won't be a bill for natural gas and there's no way water rates are as high there as they are in Birmingham.

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