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Thursday, November 3

My Frugal Miser - October Expenses: $3,323

October was reasonable for personal expenses.  Nearly half of the expenses I reported are non-cash depreciation of my 2015 Hyundai Sonata.  I expense $.24/mile driven until I have completely expensed the cost of the car.  Making deliveries for Amazon puts a lot of miles on my car.

I continued to benefit from the Shell Fuel Rewards cards I purchased on Groupon.  I will most likely burn through the remaining balance in November and then my gas expense will go up.

Food was also on the high side.  Amazon had a fall clearance sale and I stocked up on quite a few things.  We also had a couple of expensive restaurant meals to celebrate my partner's birthday.

October Expenses:  $3,323

$2,060 Auto ($13 gas, $288 repairs/maintenance, $1,412 depreciation, $136 AAA dues, $211 fines)
$0 Bank Fees
$75 Clothing
$0 Computer
$168 Entertainment (movies, gambling, alcohol)
$388 Food
$0 Gifts Given
$0 Household/Housing/Home Repair
$52 Health and Dental Insurance
$0 Investment Expense
$264 Interest Expense*
$0 Medical/Dental
$0 Miscellaneous
$3 Personal Care
$13 Subscriptions
$0 Taxes
$135 Sharing Economy Expenses (dedicated phone, tolls, car washes, etc.)
$167 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 October, I paid $194 to E*Trade for "hard to borrow" interest on a short sale of Sears Holdings stock. 

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