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Sunday, February 5

My Frugal Miser - January Expenses: $3,070

January wasn't a bad month for spending.  I had a super-high water bill ($433) from the slab leak, even after the utility company took $300 off the bill.  I paid for an Airbnb for our summer Iceland trip and had some expenses from the cruise.  None of the other expenses were out of the ordinary.

Notice that I spent nothing on gas.  I used the Carnival gift card hack to get free gas at Shell using the Fuel Rewards program.

January Expenses:  $3,070

$456 Auto ($0 gas, $0 repairs/maintenance, $456 depreciation)
$0 Bank Fees
$191 Clothing
$0 Computer
$457 Entertainment (movies, gambling, alcohol)
$177 Food
$0 Gifts Given
$11 Household/Housing/Home Repair
$25 Health and Dental Insurance (prepaid 2017 health insurance premiums in December 2016)
$0 Investment Expense
$227 Interest Expense*
$35 Medical/Dental
$0 Miscellaneous
$0 Personal Care
$0 Subscriptions
$0 Taxes
$0 Sharing Economy Expenses (dedicated phone, tolls, car washes, etc.)
$658 Utilities
$832 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 January, I paid $186 to E*Trade for "hard to borrow" interest on a short sale of Sears Holdings stock. 

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