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 
 
Variables: 
Utilities: $71.90 
Gasoline: $29.19 
Groceries: $267.07  
Health: $0 (co-pays, scripts refills, vitamins 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  

Shopping:  

$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.