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February 2021 Spending/Saving

February 28th, 2021 at 01:34 pm

Income Total: $1675.00

     * $1500 Recurring monthly retirement account distribution  

     * $175 Swagbucks and My Points earnings (cash out to PayPal)

      

Total Spending: $1471.83

Total Savings: $203.17 (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: $109.48
Gasoline: $0
Groceries: $220.94 
Health: $54.37 (co-pays, scripts refills, vitamins and personal health care items) 
Take Out food: $0 

Shopping (on-line): $125.34 (Clothes, free shipping)

Priority Mail Charge: $12.84

Cash Withdraw: $20.00

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

 

*Notes: I exceeded my goal of spending $200 for groceries each month by $20.94. Some of the clothing I purchased was a need, some were just wants. My gasoline spending continues to be very low since retirement and staying in more due to COVID. My utilities cost is a bit higher then last year, also due to being at home more.

 

Posted in Uncategorized | 5 Comments »

5 Responses to “February 2021 Spending/Saving”

  1. terri77 Says:
    February 28th, 2021 at 08:16 pm 1614543372
    1614543372

    Wow, your budget looks great! Great jobs at keeping your expenses down. I cannot wait until my condo is completely paid off. Should be less than 10 years at current payment rate, less if I bump up my additional payments to principal.

  2. rob62521 Says:
    February 28th, 2021 at 08:26 pm 1614544013
    1614544013

    You have done a good job on keeping your spending under what you bring in. I think everyone's utilities went up due to being home more, but hopefully other things like gas and not driving as much more than made up for it.

    I saw your priority mail cost. It is just crazy how much it costs to mail stuff anymore. I mailed two packages for Christmas on November 30 and it took 39 days for them to get to their destinations. One was two hours away from my house and one was across the country, but they arrived within a day of each other. I was not a happy camper.

  3. Lots of Ideas Says:
    February 28th, 2021 at 10:56 pm 1614552994
    1614552994

    I feel badly because it doesn’t help the post office but I am using UPS for anything I ship now. The cost seems comparable and the delivery is guaranteed.

    I think we really have to look at the postal system - most of what I get in the mail goes straight in the trash. I am at the part of my life when I think about who will have to dispose of my things, and I made myself throw away years and years worth of cards - for the most part, I am now sending greetings electronically. My bills come electronically and payment is automated...

    I would be happy with mail delivery three days a week but I know most people hate that idea. But it would reduce costs and we could adjust, I think.

  4. LivingAlmostLarge Says:
    February 28th, 2021 at 11:44 pm 1614555883
    1614555883

    That is so so good that you do such a good job for spending.

  5. PatientSaver Says:
    March 2nd, 2021 at 04:00 pm 1614700825
    1614700825

    Great job on living a debt-free life. That Verizon bundle seems kind of high, though, even given that it's including 3 things. I've found you can often negotiate these prices if you call and talk to a rep, and perhaps suggest that you're dissatisfied and considering going elsewhere. It's such a competitive industry.

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