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Archive for December, 2020

December Spending/Saving

December 30th, 2020 at 02:22 pm

Income Total$1750.00

     * $1500 Recurring monthly retirement account distribution  

     * $225 Swagbucks earnings (cash out to PayPal) 

     * $25 My Points (cash out to PayPal)  

      

Total Spending: $1402.05

Total Savings$347.95 (difference between monthly income and monthly spending) 
 
Fixed Expenses: 
Verizon bundle (internet, cable, home phone): $159.63

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: $83.75
Gasoline: $0
Groceries: $316.64 ( I did a lot of baking, gave food gifts for Christmas)
Health: $59.42 (co-pays, scripts refillsvitamins and personal health care items) 
Take Out food: $2.95 

Shopping (on-line): $50.88 

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

A Very Quiet Christmas

December 27th, 2020 at 02:48 pm

This was the first year ever that I spent Christmas without family. I usually have everyone over on Christmas Eve, and we have dinner and open gifts. Then I would go to my brother's on Christmas day. But this year everyone decided that it just wasn't worth the risk. But, it was OK! We did a lot of face time, calls and texts, and while I missed our usual festivities, I felt at peace that we did the responsible thing. I expect a similar, very quiet New Years Eve. We will celebrate in the future!

I am working on some financial goals for 2021, and a 2020 spending wrap up. Now that I am retired and my finances are pretty much on auto pilot, I need to be creative with some money goals/challenges. 

One thing I know for sure, I am ready for a very frugal January.

I hope everyone enjoyed your holiday, in whatever form it took this year. Looking forward to the possibilities of a much better 2021!

 

November Spending/Savings

December 1st, 2020 at 11:21 pm

Income Total$1725.00

     * $1500 Recurring monthly retirement account distribution  

     * $200 Swagbucks earnings (cash out to PayPal) 

     * $25 My Points (cash out to PayPal)  

      

Total Spending: $1500.23

Total Savings$224.77 (difference between monthly income and monthly spending) 
 
Fixed Expenses: 
Verizon bundle (internet, cable, home phone): $173.54 

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: $64.53
Gasoline: $0
Groceries: $218.92 
Health: $85.02 (co-pays, scripts refillsvitamins and personal health care items) 
Take Out food: $9.11 

Shopping (on-line): $280.86 (Christmas gifts, household supplies, 1 set of sheets)

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