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
Variables:
Utilities: $116.70
Gasoline: $0
Groceries: $184.88
Health: $0 (co-pays, scripts refills, vitamins 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
*Notes:
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.
February 1st, 2021 at 09:02 pm 1612213353
Glad you spent less than what you brought in. That's always good. You have done a fine job with your finances.