Today's Focus

Current Goal: Automate Savings and Mortgage Paydown

1) Extra $1,100/mo. to mortgage
2) $1,000/mo. to short-term savings
3) $400/mo. to investing

Previous Goal: Eliminate Mortgage on Rental Property
Interest Rate is 5.125%!

January 1, 2019: $59,592
August 11, 2020: PAID!


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Monday, January 11

My Frugal Miser - December Expenses: $5,016


December was a mixed bag.  On the one hand, I hit the Lucky Ladies on our cruise.  The $1,000 means I get to report income in the Entertainment category for a change.  I also cashed in Carnival gift cards, which is why the Vacation category is positive.

Interest expense increased.  I miscalculated when a 0% promotional rate would expire on the Amex.  Unfortunately I'll have more to pay in January because my cash is tied up temporarily.  I also had a large dentist bill.  I decided to replace a chipped crown and paid for the crown where I got my dental implant.  I had been putting that off for a couple months.

Everything else was fairly normal.  I bought Mom a washing machine for Christmas and put a ton of miles on the Aveo during the holidays.

December Expenses:  $5,016

$1,781 Auto ($75 gas, $356 repairs/maintenance, $638 depreciation, $547 Rideshare Car depreciation, $165 fines)
$0 Bank Fees
$0 Clothing
$85 Computer
($548) Entertainment (movies, gambling, alcohol) income this month
$413 Food
$406 Gifts Given
$1,408 Household/Housing/Home Repair
$141 Health and Dental Insurance
$0 Investment Expense
$237 Interest Expense
$1,438 Medical/Dental
$2 Miscellaneous
$62 Personal Care
$0 Subscriptions
$0 Taxes
$122 Uber/Lyft Expenses (excluding fuel and depreciation)
$176 Utilities
($708) Vacation and Recreation income this month

December Expenses, Excluding Vacation and Home Repairs:  $4,830

Starting in January I will omit the "excluding Vacation and Home Repairs" line item and just look at the total I spend each month.  The only expenses I will continue to exclude are business expenses, which are normally related to my rental property portfolio.

1 comment:

  1. Great price and good results,easy to use and BUY CREST 3D WHITE STRIPS didn't cause any sensitivity in my gums or teeth, just some tingling. Hey they work if used as directed. One suggestion don't over brush your teeth before or after using white strips.

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