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Saturday, December 2

My Frugal Miser - November 2023 Expenses

  We were degenerate gluttons in November.

  • Earlier this year I researched high quality luggage and decided Monos was the best brand for me.  They had an aggressive Black Friday sale - 40% off plus a free gift- so I finished out my luggage needs.  Accompanied by a lifetime guarantee, I don't expect to spend much for luggage in the future.
  • On Black Friday I used my $50 Saks credit offered by the Platinum AMEX.  Net of the credit, I spent $120 and received a $75 gift card, 3 pair of socks and two shirts.
  • I paid car insurance... ouch! (It's for both of us though)
  • I paid the annual fee for the American Express Platinum card.  I almost canceled, but the credits I receive each month just barely outweigh the expense, so a net positive.
  • Property taxes were due on our house, and they were crazy expensive.  Next year I will qualify for homestead exemption which will help a little.
  • We spent way too much on Thanksgiving dinner.  Besides a couple decent restaurant meals, I spent more on groceries than usual. 


We love adventures.  Spending on experiences makes us better humans.  
  • We're going on vacation later this month.  I prepaid for a rental car and bought airline tickets instead of redeeming points in order to achieve a higher status level on United for 2024... I'll be Gold next year.  
  • I also added $300 to my cruise balance for our December cruise to take advantage of a Chase Offer ($35 back on $100 purchase, across three different cards). 
  • Lastly, Margaritaville at Sea had a Black Friday sale.  We've never cruised on this line so I bought a 2 day cruise.

November Expenses:  $15,275

$1,503 Auto (service, gas, insurance, AAA, etc.)
$695 Bank Fees (annual fees on credit cards)
$554 Clothing/ Personal Care
$1,656 Fun (vacations, movies, gambling, alcohol, concert tickets)
$1,011 Food
$40 Health and Dental
$8,402 Household/Home Repairs
$24 Unreimbursed Job Expense
$457 Reimbursed Job Expense
$0 Interest Expense
$656 Miscellaneous (cat sitter, gifts)
$20 Taxes
$257 Utilities 


  1. You may want to read up on some reviews on that Margaritaville at Sea cruise ship. At least it's only 2 days.... ;-)

    1. Thanks for sharing. I did notice quite a few comments about the age of the ship and the quality of the food. Like you said, it's a short cruise and the cost is low, so with that my expectations are pretty low.