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Monday, July 3

My Frugal Miser - June Expenses: $8,354

I spent more in June than I made.  There were four main reasons.  I had surgery on my sinuses, which cost over $1,600 out of pocket.  Second, I made another payment to the contractor who is remodeling the bathroom ($3,000).  My annual homeowner's insurance premium was due, costing me $880.  Last, we spent two weeks in Europe.  Those three expenses made up almost $7,000 of my spending.

We spent $1,666 in the vacation category:  $445 was towards a trip to Vegas we are taking in September.  The remaining $1,221 was for the two weeks we were in Europe.  This includes food, tours, transportation, and everything else during our trip except the flights and the AirBnb in Iceland, which were paid before our trip.  All-in, our two week European vacation cost less than $2,000.  The three days in Iceland were a disproportionate part of the cost:  Iceland is very expensive.

June Expenses:  $8,354

$28 Auto ($28 gas)
$23 Bank Fees
$0 Clothing
$0 Computer
$63 Entertainment (movies, gambling, alcohol)
$283 Food
$0 Gifts Given
$3,038 Household/Housing/Home Repair
$880 Homeowner's Insurance (annual payment)
$28 Health and Dental Insurance (prepaid 2017 health insurance premiums in December 2016)
$0 Investment Expense
$298 Interest Expense*
$1,613 Medical/Dental
$0 Miscellaneous
$0 Personal Care
$35 Subscriptions
$0 Taxes
$88 Sharing Economy Expenses (tolls, car washes, etc.)
$310 Utilities
$1,666 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 $285 to E*Trade for "hard to borrow" interest on a short sale of Sears Holdings stock. 


  1. I would say a few thousand spent in Europe is pretty darn good, especially with Iceland included!