I spent the last hour or so scouring my credit card and bank statements to analyze all of the money in and out, and here is what I've come up with:
MONEY EARNED: $4166 (after 401k, FSA, health insurance, gym membership, taxes, etc. This is what is direct-deposited into my savings account each month)
MONEY SPENT: $4,203 Oops.
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BREAKDOWN: (In alphabetical order)
Beauty: $124- highlights, including tip. Ouch :( The roots were looking pretty bad, I had no choice. But no mani/pedis this month, even though I really needed one before my trip to Vegas!
Cash: $300- ATM withdrawals for items not listed below, to pay for lunches and all the taxis I paid for with cash in Vegas
Charity: $50- colleague's Swim Across America event
Dining out: $165- includes drinks I bought in Vegas. This is considerably less than what I actually spend eating out in NYC, considering that client entertainment dinners are company-expensed.
Drugstore/household: $120
Entertainment: $84- two D.C. United Tickets
Furniture: $420- to buy my roommate out of her share of the stuff we bought together
Gifts: $141- my two best friends have birthdays in July, don't expect this expense next month
Groceries: $61- I stocked up on canned goods on sale. I love canned green beans! Ha.
Rent + Utilities: $1507- $1375 rent, half of $165 for cable and $99 for electricity
Travel/Lodging: $1025- not surprising. I acknowledged from the beginning that this would be my biggest expense category. Items this month include: various taxis (including the $5 taxi I take to work every day), transportation to/from airports (I always take public transportation, but the trains to the airports are still $15 or so each way), hotel at MGM Grand in Vegas, return flight from San Fran for the wedding this fall, two Virgin America flights to Vegas in December, train ticket from NYC to DC (return ticket was free via Amtrak Guest Reward points)
Wedding related: $108- down payment on limo for bachelorette party, but will be paid back by other attendants for part of the cost
This breakdown doesn't include the things I paid for in advance of this month, such as prepaid reunion costs (flights, show tickets, dinner, etc.). But I also paid for travel this month that I won't be taking until later this year. Since I don't have any new trips on the horizon (yet... those are dangerous words), I might not have any plane tickets to buy next month. Watch me eat these words later. Other one-time costs include the furniture buy-out and the birthday gifts for my two best friends. There are no August birthdays in my family, that I know of...
Next month I expect (money in) - (money out) to be a positive number, not just because I will be conscious of spending less, but my paycheck will get a boost! The 20% raise from my promotion will be effective (YEAH!!!), and I will max out my 401k with my bonus, so no more paycheck deductions. And at the end of August, I will have maxed out my social security tax- another boost to look forward to!
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3 comments:
damn, you're on a roll w/ maxing out everything - congrats! i always find it hard to get started w/ that stuff, but once you get it in motion it's smoooooth sailing.
is this the first time you've put down an categorized your expenditures? (that sounded really dorky, sorry about that).
once i started tracking, mysteriously i started spending less! it's awesome ;)
You only spent $60 on groceries? What the heck do you eat? I think you should post about what you buy at the grocery store/how much it costs. It sounds like you could be starving yourself...$60 isn't much!!!
Haha, I appreciate your concern.... I also think that $60 includes the beer I bought for a tailgate :) Since I've been out of town most weekends, my food costs are restaurant-related, not so much out-of-cupboard. I'll work on a grocery analysis soon!
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