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Archive for November, 2020

Taking A Break

November 9th, 2020 at 10:13 pm

Hi Everyone,

I'll be taking a break from Saving Advice for a while. I'm just feeling the need for some breathing room from all social media for a bit. I will continue to post my monthly financial updates, and I will be back after the New Year with some well thought out goals for 2021.

I want to sincerely wish everyone here a very Happy Thanksgiving, a Merry Christmas, and a joyous season to include any holiday you may observe.

Please stay safe and healthy!


October Spending/Savings

November 4th, 2020 at 02:38 pm

Income Total$1770.55 

     * $1500 Recurring monthly retirement account distribution  

     * $150 Swagbucks earnings (cash out to PayPal) 

     * $25 My Points (cash out to PayPal) 

     * $95.55 Cash Rewards (cash back from my credit card) 


Total Spending: $1480.44 

Total Savings$290.11 (difference between monthly income and monthly spending) 
Fixed Expenses: 
Verizon bundle (internet, cable, home phone): $160.37 

Cell phone: $59.93 
HVAC and water heater contract: $27.95 
Condo Fee (includes water) $190.00 

Health Care: (includes health, dental, vision, prescription plans) $450.90 
Utilities: $71.90 
Gasoline: $29.19 
Groceries: $267.07  
Health: $0 (co-pays, scripts refillsvitamins and personal health care items) 
Take Out food: $50.50  

Shopping (on-line): $172.63 (see note below) 

* Condo is paid in full 
* Car is paid in full (2017 Camry) 
* No other debt  



$39.40 Walmart (household supplies) free shipping 

$55.64 (I bought myself a birthday gift!) 

$54.72 Christmas Gifts 

$22.87 Clothes 


Groceries: This was high, but I had my brother, cousin and nephew over on 3 different Sundays for football games. I always fix lunch and have snacks and drinks.