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Saturday, March 3

My Frugal Miser - February Expenses: $2,024

February was deceptively frugal.  Absent some large expenses, I only spent about $1,000 last month.   I bought a $250 gas gift card, and we drove to Birmingham to work on a vacant property, so gas was higher than normal.  I also paid the annual fee ($450) on my Chase Sapphire Reserve card.  $300 of that fee will be refunded after I charge some travel to that card.  Finally, I bought a new washing machine as well as tickets to the Smashing Pumpkins concert.  Besides these categories, everything was quite low.  When we do meeting jobs, our food cost is usually covered. 

February Expenses:  $2,024

$519 Auto ($240 for gas, $32 for service)
$450 Bank Fees
$0 Clothing
$0 Computer
$229 Entertainment (movies, gambling, alcohol) - gain this month
$149 Food
$0 Gifts Given
$461 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
$15 Interest Expense*
$29 Medical/Dental (income)
$7 Miscellaneous
$0 Personal Care
($35) Subscriptions income from refund
$0 Taxes
$27 Sharing Economy Expenses (tolls, car washes, etc.)
$0 Unreimbursed Employee Expenses
$145 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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