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Today's Focus

Current Goals:

1) $1,000/mo. to short-term savings and $400/mo to investments.
2) Weigh less than 180 pounds by 12/31/21.
3) Read more books.

Previous Goal: Eliminate Mortgage on Rental Property
Interest Rate is 5.125%!

January 1, 2019: $59,592
August 11, 2020: PAID!


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Friday, January 11

My Frugal Miser - December Expenses: $7,294


December was another fairly expensive month.  Fortunately, I'm mostly finished furnishing our new house.  That was a major expense for 2018.
  • I had new brakes installed on my car; I also spent a lot on gas with all the Amazon deliveries I made.  Good thing gas prices are super low.
  • Food spending was high.  We had family visit for Christmas so this category includes spending for several additional people.
  • I had to replace a broken crown - over $800 after insurance.  Dental care can be expensive!

December Expenses:  $7,294

$434 Auto (service, gas, insurance, AAA, etc.)
$86 Bank Fees
$0 Charity
$0 Clothing
$0 Computer
$530 Entertainment (movies, gambling, alcohol, concert tickets) 
$769 Food
$319 Gifts Given
$1,843 Household/Mortgage Payment/Home Repair
$153 Health and Dental Insurance
$0 Investment Expense
$11 Interest Expense*
$808 Medical/Dental
$0 Miscellaneous
$9 Personal Care
$0 Subscriptions
$1,819 Taxes (Quarterly Tax Payment)
$31 App Jobs Expenses (tolls, car washes, etc.)
$0 Unreimbursed Employee Expenses
$390 Utilities
$94 Vacation

*Interest expense includes student loans.  As the rate is below 2%, I am completely comfortable paying the interest each month and investing the money that I would otherwise use to pay off this loan.  

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