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 refills, vitamins 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