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Tuesday, August 2

My Frugal Miser - July Expenses: $3,263

In July our expenses were a little high.  I completed several services on my car, including fluid exchanges, new air filters, and new headlight bulbs.  I did a lot of driving to generate income, so the depreciation expense ($1,001) is especially high.  I had to get a new dental crown ($473).  I ran the air conditioning every day (electric bill was $95).  The food bill was high, which surprises me because we didn't spend on anything extravagant.  The most expensive restaurant bill in July was just $13.

July Expenses:  $3,263

$1,508 Auto ($11 gas, $398 repairs/maintenance, $1,001 depreciation, $99 moped insurance)
$49 Bank Fees
$11 Clothing
$0 Computer
$38 Entertainment (movies, gambling, alcohol)
$408 Food
$22 Gifts Given
$118 Household/Housing/Home Repair
$52 Health and Dental Insurance
$0 Investment Expense
$206 Interest Expense*
$473 Medical/Dental
$0 Miscellaneous
$13 Personal Care
$0 Subscriptions
$0 Taxes
$83 Uber/Lyft Expenses (excluding fuel and depreciation)
$281 Utilities
$0 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 July I paid $164 to E*Trade for "hard to borrow" interest on a short sale of Sears Holdings stock. 

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