I will be staying home today and tonight for a quiet New Year's Eve so no spending will happen today, 12/31.
Income Total: $1476.21
* $1200 Recurring monthly retirement account distribution
* $150 Swagbucks and My Points earnings (cash out to PayPal)
* $126.21 Credit Card Cash Back Reward
Total Spending: $1186.26
Total Savings (using as income for next month): $289.95 (difference between monthly income and monthly spending) SEE NOTES BELOW
Verizon bundle (internet, cable): $167.43
Verizon Mobile: $0 (see note below)
HVAC and water heater contract: $29.95
Condo Fee (includes water) $190.00
Health Care: (includes health, dental, vision, prescription plans) $477.78
CVS Gift Cards: $25.00
Take Out/Dining Out: $66.22
* Condo is paid in full
* Car is paid in full (2017 Camry)
* No other debt
Notes: My next scheduled payment for my cell phone is scheduled through auto-pay next month so there was no payment due in December. Going forward it will be auto-paid on the 5th of each month.
The savings I had this month I will be using as income for next month. I will be using any savings I may have in any month toward income for the next month and not truly as savings. I expect my expenses to be higher in 2023 due increases in my health care costs, and utility costs. I honestly doubt I'll be realizing much savings going forward.