This is every dime that we have spent in the month of November. I will not be going anywhere or spending any money today or tomorrow. Hence I am posting it early. If there is an expense that you don't see, it is explained HERE
Electric and Gas $ 95.58
Alarm Monitoring 30.90
CableTV, Int.&Tel. 138.34
Liquor & Beer 53.88
Personal Care 46.15
Household Goods 138.51
Total Expenses $ 1849.65
There are two categories that aren't shown this month. We had no household maintenance expenses this month. And we purchased no gasoline this month nor will we be until this weekend or next Monday. Hubby never got home until after dark, so I never went out yesterday. The same will be true today.
Most of these categories are self explanatory. I will elaborate a little on a few. Our medical was very low this month. It was only insurance, co pays for 2 appointments, 4 prescriptions and 10 bottles of Vitamin D3.
I broke my vow to buy no clothing because I needed a decent pair of boots and gloves. I found a $109.00 pair of boots at LL Bean and with a sale I only paid $ 66.55 with tax. Using reward points I paid $ 9.13 for a $16.00 pair of warm gloves at Amazon. My gloves were so thin that my hands would freeze just driving down to the dentist. For boots I had been wearing a 22 year old pair of sneaker hiking boots. So it was time to get these items that will keep me warm in our brutal winters.
Groceries were high but that is because I stocked on turkeys, butter, other baking supplies, and canned goods that are rock bottom priced this time of year.
Liquor and beer was to replenish our stock to entertain.
Shipping was UPS charges for sending photos that we copied for my daughter-in-law.
Restaurant and eating out was for a quick Burger King breakfast ($6.48) and taking my grandson to the yogurt place($ 12.82).
Gift cards were $ 170.00 worth that I purchased for an OOP of $ 130.00 for Hubby and I to use in the future. Anytime you can make a profit on these, it is a good spend.
Personal care was a curling iron for me and a beard trimmer for Hubby.
Gifts were for gift cards for two family birthdays this month, a thank you gift card, a book for my grandsons birthday in January, and a gift card for my daughter-in-laws birthday in March.
Household goods were those marked down after Halloween kitchen towels that I showed you. I bought six inkjet cartridges for our photo printer. Two books were purchased for me at Amazon. They had such a great deal on my Fiesta dishes at Kohl's that I purchased three extra sets just in case I break any plates, bowls or mugs. That will almost guarantee that I won't break any. I also purchased a much needed jar opener and a pastry scraper.
Our total expenses this month were $ 1849.65. I am so happy with this figure. It is the second lowest month with the exception of February of 2016. We could go out and celebrate but we won't because we would spend unnecessary money.
However, I did invest $ 5,700.00 this morning which brings our savings and investments to a total of $ 48,200.00 so far in 2016. Unless we have a major catastrophe, we will make our savings goal of $ 50,000.00 for 2016 and possibly exceed it. That is enough of a celebration for us.
How are you doing on paying off your debt or saving for your goals this year? I hope you all are getting to where you want to be. Have you thought about budgeting for 2017? I realize that everyone is getting ready for Christmas but take the time to really think about what you want for 2017 and how to get there. Set up your goals and budget in December. I will discuss more about our goals and what we will do in 2017 next month.