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Monday, December 4

My Frugal Miser - November Expenses: $3,498

November wasn't a terrible month.  Three large expenses accounted for over $2,000 in spending:  car insurance, medical bills and the annual property tax bill.  I bought a new Chromebook, some Christmas gifts and spent a little during our cruise.  We did very little gambling, but I won just a little, which offset the money we spent on alcohol in the Entertainment category.  There weren't any other unusual expenses last month.

November Expenses:  $3,498

$647 Auto ($60 for gas, $11 for service, $576 for 6 months insurance)
$0 Bank Fees
$113 Clothing
$105 Computer
$21 Entertainment (movies, gambling, alcohol)
$268 Food
$110 Gifts Given
$6 Household/Housing/Home Repair
$0 Homeowner's Insurance (annual payment)
$28 Health and Dental Insurance (prepaid 2017 health insurance premiums in December 2016)
$0 Investment Expense
$65 Interest Expense*
$647 Medical/Dental (income)
$0 Miscellaneous
$0 Personal Care
$0 Subscriptions
$904 Taxes (Property Taxes on my residence)
$52 Sharing Economy Expenses (tolls, car washes, etc.)
$388 Utilities
$144 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 November, I paid $46 to E*Trade for "hard to borrow" interest on a short sale of stock. 

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