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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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Sunday, July 4

My Frugal Miser - June 2021 Expenses


Even though I splurged on a completely unnecessary and totally frivolous experience, expenses were lower than income in June.  
  • I am contributing $1,050/month to a dedicated account for household spending now that we no longer have a mortgage to pay.  This will only be spent on improving the house.  Soon we will be adding a concrete patio and sidewalk.  After that I will get estimates on remodeling a bedroom to turn it into a master suite.
  • Ever since we began the keto lifestyle our spending on food has been much higher.  Hopefully the weight loss means I am healthier and will benefit from lower healthcare costs in the future.
  • I won 2 HealthyWage challenges.  The prize money offsets the Health & Dental category.  I've been having major lower back pain and visited the doctor for help.  The co-pay and a prescription, along with a physical therapy consultation, added a nominal amount to the category.

Fun

We love adventures.  Spending on experiences makes us better humans.  
  • Now that we've moved, Regal has the closest theater to our home.  With movies returning, we signed up for Regal Unlimited.  I prepaid for a year at the monthly rate of $18.  This is a few dollars cheaper than AMC A-List and I know we will get our money's worth since going to the movies is a big part of our entertainment.
  • After a hugely successful week selling put options on AMC, I decided to take a week of profits and splurge - seriously splurge - on tickets to Music Midtown in Atlanta.  I used to go to the festival years ago, and when I saw my favorite musician was playing, along with several others I would enjoy seeing, I decided to pull the trigger on "Super VIP" tickets.  As I get older, my tolerance for crowds, heat and gross restrooms has gone down.  These tickets give us a private air-conditioned lounge with unlimited free food and drinks, private viewing area, and our own restrooms, as well as golf cart transportation between stages.  I feel like we will be spoiled by the experience.
  • We visited our friend for a day in Boca Raton.  She just finished a 12 week round of chemo and we went to see her just before her last treatment.  

June Expenses:  $5,970

$400 Auto (service, gas, insurance, AAA, etc.)
$250 Bank Fees (annual fee on United Quest card)
$0 Clothing/ Personal Care
$3,104 Fun (vacations, movies, gambling, alcohol, concert tickets)
$621 Food
($166) Health and Dental income this month
$1,058 Household/Home Repairs
$0 Unreimbursed Job Expense
$19 Reimbursed Job Expense
$0 Interest Expense
$73 Miscellaneous
$366 Taxes
$245 Utilities 

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