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Monday, February 5

My Frugal Miser - January Expenses: $1,621

January was a decently frugal month.  There were a few large expenses:  I bought a discounted gas gift card ($240) and prepaid for a year of satellite radio.  I also started tracking a new category that added to my expenses.  I also bought a new pair of work shoes.

New this year I added a category for unreimbursed employee expenses.  Last year, the primary company I worked for meeting jobs paid me as a 1099 contractor, and I could deduct expenses like hotels and meals.  Now I am a W-2 and if I choose to take a job that doesn't provide meals or hotel rooms, I am responsible for the expense.

January Expenses:  $1,621

$272 Auto ($240 for gas, $32 for service)
$0 Bank Fees
$159 Clothing
$0 Computer
$223 Entertainment (movies, gambling, alcohol) - gain this month
$272 Food
$0 Gifts Given
$50 Household/Housing/Home Repair
$0 Homeowner's Insurance (annual payment)
$28 Health and Dental Insurance (prepaid a portion of 2018 health insurance)
$0 Investment Expense
$14 Interest Expense*
$4 Medical/Dental (income)
$0 Miscellaneous
$0 Personal Care
$0 Subscriptions
$0 Taxes
$52 Sharing Economy Expenses (tolls, car washes, etc.)
$176 Unreimbursed Employee Expenses
$397 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 December, I paid $38 to E*Trade for "hard to borrow" interest on a short sale of stock. 

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