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April 2021 Savings/Spending

May 1st, 2021 at 04:05 pm

Income Total: $1700

     * $1500 Recurring monthly retirement account distribution  

     * $200 Swagbucks and My Points earnings (cash out to PayPal) 

      

Total Spending: $1576.18

Total Savings: $123.82 (difference between monthly income and monthly spending) 
 
Fixed Expenses: 
Verizon bundle (internet, cable, home phone): $159.08

Cell phone: $60.05
HVAC and water heater contract: $29.95 
Condo Fee (includes water) $190.00 

Health Care: (includes health, dental, vision, prescription plans) $476.37 
 
Variables: 
Utilities: $88.09
Gasoline: $30.91
Groceries: $181.47
Health: $78.56 (co-pays, scripts refills, vitamins and personal health care items) 
Take Out food: $36.70

Shopping (on-line): $0

Car registration renewal: $135.00

Tax prep payment: $110.00 (My CPA friend prepares my taxes each year)

 

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

 

A pretty unremarkable month for finances, spending was low and I am very happy with my grocery spending for April.

Posted in Uncategorized | 6 Comments »

6 Responses to “April 2021 Savings/Spending”

  1. Amber Says:
    May 2nd, 2021 at 10:41 am 1619948471
    1619948471

    Wow you did great with Mypoints and Swagbucks. Way to go on the spending

  2. Dido Says:
    May 2nd, 2021 at 04:19 pm 1619968760
    1619968760

    Lovely being able to save since your Mypoints and Swagbucks are supplementing your retirement draw nicely. Congrats on the small grocery bill!

  3. Dido Says:
    May 2nd, 2021 at 04:36 pm 1619969775
    1619969775

    Also....I browsed back through the year on your blog (great consistency in posting) and noticed that yesterday was your one-year anniversary of retiring. Congratulations on that! It makes me wonder though--looking back, is there anything you would have done differently, or anything that you wish you had known, if you could go back and do it again?

    We're the same age but retirement is something that I am just beginning to think about (and it won't be anytime soon).

  4. Wink Says:
    May 2nd, 2021 at 10:19 pm 1619990385
    1619990385

    Dido: I ask myself that question every now and then, "would I have done anything differently", and I can honestly say no. The best thing I did the year before I retired was to "practice" living on the same monthly budget as I do now, so I knew I would be comfortable with it. This first year has really gone according to plan (minus COIVID of course). Do I wish I had more money in retirement savings? Yes, for sure. But I just wasn't willing to sacrifice my mental and physical health (stress at work) to keep working to pad my accounts.

  5. Dido Says:
    May 3rd, 2021 at 12:16 am 1619997403
    1619997403

    Wink, thanks for your answer--and I'm glad that things have turned out as you wish. I will definitely have to work on reducing expenditures before I can get serious about retiring--which will be a lot easier once I reduce my debt. Still on at least the 7-9 year plan to retirement here, I think! Which gives me time to figure out what I'll want to do with my time once retired!

  6. rob62521 Says:
    May 9th, 2021 at 06:16 pm 1620580608
    1620580608

    You certainly rocked the My Points and Swagbucks. Good job on the grocery spending as well.

    We did the same thing you did the year before I retired -- we lived on what we predicted what our retirement budget would be and discovered we could do just fine and still put away a little in savings. Smart move on your part. I believe you are really enjoying retirement and that's wonderful.

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