Today's Focus

Current Goal: Eliminate Mortgage on Rental Property

January 1, 2019: $59,592
May 25, 2020: $49,531
2/14/20 paid $750 towards principal
3/20/20 paid $1000 towards principal
4/17/20 paid $1000 towards principal
5/5/20 paid $2000 towards principal

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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.

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