October 2015 Expenses
October has come and gone, and with it another month of expenses. Large one time costs and fun things going on in our life drove up our spending:
- Quitting means no more work paid cell phones and plan. We’re going to use a combination Airvoice prepaid & monthly plans for now while we figure that out
- New jobs meant a bit more commuting and travel costs. We’re working on trimming this down by taking advantage of working from home more often.
- More travel costs. We tried to optimize by combining personal and work travel for one of us, while the other used points to fly for (almost) free.
- After repeated calling, our Cable company agreed to lower our Internet bill by treating us as new customers. I have no idea how this system works, it’s like phone roulette.
- The first full month of daycare now means that we have a second large non-discretionary expense
- Speaking of non-discretionary expenses, property taxes came due…
- On a lighter note: An informal clothes shopping ban going on almost two years was ended by a thrift store encounter gone wrong leading to two (lovely) dresses.
Without further ado:
|Mortgage: Principal and Interest
Semi-annual property tax
|Travel||$480||$87 – Airfare for a future travel
$224 – Passport + passport photos
$169 – Trip to Toronto
|Health & Fitness||$132||Taking last minute advantage of old health plans for boring medical stuff|
|Groceries||$223||Our grocery spending was lower as a result of being out of town for a week|
|Restaurants & Take-Out||$47||One work lunch with new coworkers
A few times eating and drinking with old and new friends
|Transportation||$71||Gas – boo to commuting|
|Bills & Utilities||$156||$75 – Water
$18 – Gas, Electric
$39 – Internet
$24 – new sim cards + prepaid load
|Heir Care||$1,275||$1,200 – Childcare
$75 – Children’s Consignment sale stocking up for the next 6 months
|Fur Care||$115||Heartworm + flea medication|
|Shopping||$178||$158 – iPhone 6s (this was a splurge)
$20 – Clothes
|Other||$30||$20 – Gifts
$10 – Parking at a beautiful state park
|Total||~$8,100||Another month of extravagant spending|
|Discretionary Spending||~$1,500||Variable spending for the month (subtracting housing and childcare)|
After a month of high expenses, we’re left with a 63% savings rate (67% if you count mortgage principal as savings). Once again, this includes the one time lump sum property tax payment we made. October was an expensive, but fun, month!