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Tuesday, March 7

My Frugal Miser - February Expenses: $4,412

February was a bit expensive.  I paid the $450 annual fee for the Chase Sapphire Reserve card.  This is really a $150 fee with the $300 travel rebate I received.  I also completed a 0% cash advance on a credit card but had to pay a $291 fee for it.

I had several work-related expenses.  We drove to Birmingham to work on a rental property, which used a lot of gas.  I bought a new phone from Wal-Mart to replace my Republic Wireless Moto X.  The new plan is only slightly more expensive, but my Republic phone had 3G and a very slow processor.  I also decided to buy a monthly unlimited car wash plan.  A fancy new car wash opened up about a mile from my house.  Not having a clean car has kept me from driving for Uber and Lyft on some occasions, and I think this might motivate me to do some more rideshare work.  Finally, I bought two new suits.  Some of the hospitality jobs require a business suit, and the only suit I had got a hole in it.  I bought that suit 10 years ago so it was time to replace it anyway.

It seems like I spend money on vacations every month.  Last month I booked an EasyJet flight we will be taking during our summer European vacation.  I also spent $186 on a roundtrip to Las Vegas... and that included $57 I spent to pick a seat.  While there, I'm going to Denver for a day.  That flight was only $38 roundtrip.  Air travel is so cheap!

February Expenses:  $4,412

$891 Auto ($275 gas, $0 repairs/maintenance, $616 depreciation)
$741 Bank Fees
$949 Clothing
$0 Computer
$55 Entertainment (movies, gambling, alcohol)
$383 Food
$41 Gifts Given
$42 Household/Housing/Home Repair
$28 Health and Dental Insurance (prepaid 2017 health insurance premiums in December 2016)
$0 Investment Expense
$243 Interest Expense*
$36 Medical/Dental
$0 Miscellaneous
$0 Personal Care
$35 Subscriptions
$0 Taxes
$339 Sharing Economy Expenses (dedicated phone, tolls, car washes, etc.)
$233 Utilities
$396 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 February, I paid $202 to E*Trade for "hard to borrow" interest on a short sale of Sears Holdings stock. 


  1. Did I remember reading where you said you had previously purchased a used car from a Rental company and got some major discounts/free rentals for doing so? In the market, going to be doing some travelling regularly for a MS company and wondered if that would be a good direction. Thanks!

    1. Dave, I bought from Hertz Car Sales. Good discount from KBB and a free 7 day rental certificate.