April 2011 Spending
Here is the breakdown of my spending for April. What this chart doesn't show is that I used $368.85 more than my income (including the 33% to savings). That doesn't mean I'm in debt, but I'm still spending from what is leftover in my checking account from before I was regularly adding to my savings.
I still have a lot of gray areas that I'm not sure what to do with. For example, I spent $67 on concert tickets for a show we are going to see in August (damn u ticket master). Does that money belong in this month's expenses, or August's? I am also thinking of integrating several of the 1 and 2% categories. Maybe use "Entertainment" to cover Music, Movies, Concerts, Books. And then perhaps "Personal Care" to cover medical, clothing, classes, home, and recreation (by "recreation" I always mean "the outdoors" which equals "health" to me). Oh and I also just noticed a charge I had in there twice! Wipe $4.66 off that overspent amount! A change I made in the breakdown this month is putting "cash" in for when I get cash from an ATM (except for when I know exactly what I spent it on). I may not always have the receipt for items in this case, and it feels more effective to at least account for that money. Oh man! I also noticed I put double charges in the books area! Knock off another $24.48! This is where I will note that I didn't keep up on my spreadsheet this month and just tried to enter a dozen receipts while checking against my credit card account, and therefore entered some doubles.
Sooooo, how to spend $339 less next month? No expensive concert tickets! No clothes! I bought a pair of everyday use sneakers so that I could preserve my running shoes for running ($25 over existing Zappos credit). I bought a pair of fancy waterproof boots for next winter because they were on a fabulous sale ($49 for Clarks brand). I am very happy with the sneakers, and I know I will be happy with the boots when I want to walk in the rain next winter, to events where motorcycle boots may not be appropriate. And it's worth mentioning that I am also getting rid of 16 other pairs of shoes at this time. I probably still have more shoes than I "need," but I do wear them all with regularity (AND THEY'RE ALL "SENSIBLE"). No books; I can get books at the library. If I take that $171 off, I'm left with $168 over. I spent $135 on a bike this month, that won't be an every month expense! Only $33 over. Now I noticed that I put a $20 donation in April when it really occurred in May. $13! Well that can be remedied by less dining out, easily.
PROBLEMS SOLVED! Can't wait to see how we do in May - with 2 days less income due to a vacation. How cheap can Liina and Kaden take a 4 day vacation for????????? STAY TUNED TO FIND OUT!
ps. I just said "we", but this reflects my expenses only, not Kaden's. We're married but keep our money separate.