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Saturday, July 9

My Frugal Miser - June Expenses: $4,417

Overall June was a frugal month.  I bought $2,500 in Carnival gift cards to redeem on our cruise next month, so my actual spending in June was only $1,917.  Almost half of that was the annual premium for my homeowner's insurance.   Food expense was low, but not because I was consuming the Nutrisystem food I bought in May:  those items are sitting in a drawer as I haven't started the diet yet.

June Expenses:  $4,417

$461 Auto ($81 gas, $0 repairs/maintenance, $380 depreciation)
$0 Bank Fees
$7 Clothing
$0 Computer
$46 Entertainment (movies, gambling, alcohol)
$140 Food
$0 Gifts Given
$867 Homeowner's Insurance (12 months)
$0 Household/Housing/Home Repair
$52 Health and Dental Insurance
$0 Investment Expense
$167 Interest Expense*
$0 Medical/Dental
$2 Miscellaneous
$0 Personal Care
$0 Subscriptions
$0 Taxes
$64 Uber/Lyft Expenses (excluding fuel and depreciation)
$119 Utilities
$2,500 Vacation

*Interest expense includes student loans and the loan on my car.  As both rates are below 2%, I am completely comfortable paying the interest each month and investing the money that I would otherwise use to pay off these loans.  In June I paid $124 to E*Trade for "hard to borrow" interest on a short sale of Sears Holdings stock. 

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