Income Total: $1400.00

     * $1200 Recurring monthly retirement account distribution  

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

Total Spending: $1484.34

Total Savings: $0 (difference between monthly income and monthly spending) 
 
Fixed Expenses: 
Verizon bundle (internet, cable): $160.43

Cell phone: $59.90
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: $68.33
Gasoline: $35.35
Groceries: $86.15
Health: $72.50 (co-pays, scripts refills, vitamins and personal health care items) 
Take Out and Dining Out: $23.07 (my share of cost of pizza for football gatherings)

Household Shopping: $44.39

Christmas Gifts: $136.46

Car maintenancce: $81.10

Personal: $20.34

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

*Groceries included drinks and snacks for football gatherings

*Car Maintenance included oil change, oil filter, tire rotation, topping off all other fluids and basic engine       check. I also had a coupon for a free set of wiper blades and free installation. 

*Christmas gifts: My sister and I went in jointly on a few of those gifts and she will be sending me a              reimbursement, but we haven't figured out totals yet.