Home > January Spending/Saving

January Spending/Saving

February 1st, 2021 at 01:39 pm

Income Total$1885.78

     * $1500 Recurring monthly retirement account distribution  

     * $300 Swagbucks and My Points earnings (cash out to PayPal) 

     * $85.78 Cash Back Credit Card Rewards


Total Spending: $1334.05

Total Savings$551.73 (difference between monthly income and monthly spending) 
Fixed Expenses: 
Verizon bundle (internet, cable, home phone): $174.51

Cell phone: $60.03
HVAC and water heater contract: $27.95 
Condo Fee (includes water) $190.00 

Health Care: (includes health, dental, vision, prescription plans) $476.37 
Utilities: $116.70
Gasoline: $0
Groceries: $184.88 
Health: $0 (co-pays, scripts refillsvitamins and personal health care items) 
Take Out food: $65.28 (football playoff game food for family)

Shopping (on-line): $38.33 (Walmart stock up order, free shipping)

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



Health Insurance package increased by $25.47 per month for 2021


Verizon bundle increased by $13.91 per month. A credit I was receiving in 2020 expired.


I have yet to find a less expensive alternative to Verizon that includes NFL, MLB and NHL viewing. Watching games with family and friends is a big part of our social gatherings, we are a big sports family. I will revisit this and investigate any new choices after the SuperBowl next weekend. 


I was very happy with my grocery spending this month. My goal for 2021 is to stay below $200 per month. 


I had a great earnings month through SwagBucks and My Points! January is usually really slow for on-line earnings opportunities, so I am pleased with my efforts. 

1 Responses to “January Spending/Saving”

  1. rob62521 Says:

    Your rewards are amazing. You do so well.

    Glad you spent less than what you brought in. That's always good. You have done a fine job with your finances.

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