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Thursday, February 4

My Frugal Miser - January Expenses: $1,900 (really $1,256)

January was decent.  Over the last several months I bought several gift cards, mostly to restaurants.  I already reported those gift cards as expenses, so the actual cash outlay for food last month was under $100.

I stocked up on wine, increasing the entertainment line.  But I also paid off the AMEX, so January is the last month where I will pay exorbitant interest expenses.  I paid $900 to replace a crown.  I didn't like how the old one fit.  Finally, my health insurance went down after I re-assessed my ACA eligibility.

January Expenses:  $1,900

$(1,057) Auto ($41 gas, $0 repairs/maintenance, $674 depreciation, +$1,643 gain from sale of Aveo, +$130 refund of auto insurance policy for Aveo) income this month
$25 Bank Fees
$0 Clothing
$0 Computer
$234 Entertainment (movies, gambling, alcohol)
$89 Food
$0 Gifts Given
$133 Household/Housing/Home Repair
$51 Health and Dental Insurance
$0 Investment Expense
$161 Interest Expense
$900 Medical/Dental
$644* Miscellaneous
$0 Personal Care
$0 Subscriptions
$0 Taxes
$158 Uber/Lyft Expenses (excluding fuel and depreciation)
$291 Utilities
$270 Vacation and Recreation

*My discontent continues with Quicken.  Long story short, I tried to reconcile one credit card account, and it created chaos and serious errors.  In order to balance the account, I created a $644 miscellaneous charge.


  1. Replies
    1. I "depreciate" my vehicles every month based on the miles I drive, so the expense of owning my car is recognized as a monthly expense. In Quicken I recognized the value of the Aveo at $1,357, but I sold it for $3,000, thus the gain from the sale of $1,643.