Cash Savings, Goal Setting, Retirement Journey, Spending

June Spending: Adding it up.

Every Monday during 2022, I am posting an update on what I spent for the week (variable spending only) as a way of keeping myself accountable for my impulse spending. Also, to see my true savings, I am tracking items I was tempted to buy but didn’t.

Photo by Lukas on Pexels.com

(I thought I would post this a day early)

June is in the books, as well as the first half of 2022. It’s hard to believe how fast this year is going, and also how slow. (I’m anxious, for many reasons, for this year to be over!).

This week’s spending is rather high, mainly because of gift-giving. I was late in getting wedding cards out (to weddings we didn’t attend) and a family friend’s baby. I decided to just get it down all in one fell swoop. Ouch. I also filled up my gas tank on the 30th, and both categories felt a bit like ‘cheating’ before going into July’s challenge, but I wanted to be fully transparent.

Here is the spending for June 27 – 30th:

  • Groceries: $121.31
  • Eating out: $45.00
  • Personal Care: $7.00
  • Gifts: $506.00! (2 family birthdays, two weddings, and a baby shower!)
  • Gas: $41.65

Total: $720.96

June’s recap of spending by week:

Total Spending for June: $3,812.00.

Not the best month, but pretty consistent with my average spending. Hopefully, I can whittle that down to at least half going forward.

How was June for you?

Dog Expenses, Retirement Journey, Spending, Weekly Spending Update

June Spending: Week 4 update

Photo by uff2cuff41uff52uff41 on Pexels.com

Every Monday during 2022, I am posting an update on what I spent for the week (variable spending only) as a way of keeping myself accountable for my impulse spending. Also, to see my true savings, I am tracking items I was tempted to buy but didn’t.

This week has been a pretty quiet week. The only ‘extras’ I have spent this week were a pool float for the pool and ice cream treats for the grandkids. Money well-spent if you ask me. 😉

What I spent from June 20 – 26:

  • Groceries/Eating out: $68.81
  • Pool float/Ice Cream: $41.00 (the ice cream was double the pool float!)
  • Mom: $53.00 (a new coffee pot)
  • Pet Meds: $221.85 (Heart meds and flea and tick for 12 months) RETURNED. Waiting for refund.

Total: $384.66

How was your week?

Retirement Journey, Spending

A question for my readers.

Photo by Olya Kobruseva on Pexels.com

What is the average amount you spend per month on variable expenses which include the following categories?

  • gas
  • food (includes eating out)
  • clothes
  • household (batteries, cleaning supplies, laundry detergent, etc.)
  • personal care
  • spending
  • pets
  • misc.

I’m working on a savings challenge for July and I would love to compare my expenses with yours. I know we are all in different financial situations, but I’m curious to know where we stand in comparison. Especially all you retired folk….

Thanks for your help!!!

Impulsive Spending, Retirement Journey, Spending, Weekly Spending Update

Weekly financial update.

Every Monday during 2022, I am posting an update on what I spent for the week (variable spending only) as a way of keeping myself accountable for my impulse spending. Also, to see my true savings, I am tracking items I was tempted to buy but didn’t.

Photo by Khanh Le on Pexels.com

This week I received the two wallets I ordered last week. The Fossil wallet arrived damaged, missing its’ strap. The Italian wallet came in the wrong color. I have already returned the Fossil wallet (free return), but unfortunately, Italy will charge me a return fee. I will lose $30. (Rest assured I will be taking extra caution before I purchase items from now on, especially with regard to their return policy.)

Wasting money these days actually hurts. In fact, as I evaluate this week’s spending, I’m disappointed that I ‘impulsed’ the tech purchase. I will be returning it, as I wasn’t paying attention to the details of the charger pod. My IPhone 11 is not ‘magsafe’, so the charger may not work as well. Returning items is such a hassle, as you have to wait several weeks before they credit your account. The by product of impulsivity, I suppose. 😦

Here is my spending for June 7 – June 13:

  • Eating Out: $78.09
  • Groceries: $157.00
  • Gas Fill Up: $64.60
  • Auggie: $6.00 (dog treats)
  • State inspection: $20.00
  • OTC meds: $5.00 (Vitamin D prescription)
  • Clothes: $103.89 (Replacement Tshirts, leggings)
  • Tech: $52.01 (phone case and charger pod)
  • Misc.: $59.04

Total: $545.63

RETURNS:

  • Fossil Wallet: ($79.50)
  • Italian Wallet: ($145.00)

Total Returns: ($224.50)

Total Spending: $321.13

With inflated prices everywhere, it’s more imperative now than ever to be extra vigilant in my everyday spending. I’m committed to keeping our retirement timeline, and every dollar saved is going to help. To that end, I’m giving myself a new challenge. For the month of JULY, I will be having a NO SPEND. Details to follow!

How was your week? Any wins? Losses? Please share!

Budgeting, Impulsive Spending, Spending, Weekly Update

A new month, a health update, and this past week’s spending.

Every Monday during 2022, I am posting an update on what I spent for the week (variable spending only) as a way of keeping myself accountable for my impulse spending. Also, to see my true savings, I am tracking items I was tempted to buy but didn’t.

Photo by Scott R on Pexels.com

I can hardly believe it’s June already! We will soon be halfway through 2022. Crazy.

I had such wonderful plans for the summer, but, unfortunately, they are all dissolving quickly as I anticipate the possibility of foot surgery. Since breaking my foot last November, recovery has been a slow process. The fracture did start to heal and there was some bone growth. Every month I went for an x-ray, and every month the doctor reported that “it was still cooking”. It was promising. Until it wasn’t. Two weeks ago I went and he did not give me my usual update. Because it’s been over 7 months, I have what is called a ‘non-union’. As long as there is still pain, surgery may be the next step. I will be getting a second opinion, for sure, because the thought of starting all over with crutches and a boot depresses me. But I do not want to live with the pain either. I guess we will see.

As far as spending for the first week in June, it was a mixed bag. I had two impulsive purchases, an ‘oh crap’ moment, and a few regular expenses.

June 1 – 6th Spending:

  • Groceries: $166.00 (a two-week shop)
  • Eating Out: $5.00
  • Hair Cut and Color: $120.00 (includes tip)
  • Charitable/Spontaneous giving: $200.00
  • Ticket: $97.00 (expired state inspection — good grief I deserved this one!)
  • Car Maintenance and state inspection: $694.00
  • Household: $38.04 (kitchen towels, oven mitts, and cleaners)
  • Auggie: $22.00 (shampoo, conditioner, and dog toy)
  • Clothes & Accessories: $297.69 (a new shirt and two new wallets!)
  • OTC meds: $21.00 (Tylenol/Advil)

Total weekly spending: $1,660.73!!!

Wow. $791.00 of the $1660 was my car. Because I hardly drive these days, I totally missed getting the state inspection, which was due last October. I totally deserved that ticket, and quite frankly was embarrassed that it had expired 8 months ago! I definitely dropped the ball on that one. My car was due for maintenance and ended up needing a few things, hence the $700 bill.

The other large expense category $300. Some of you who have been following me for a while know I have a weakness for purses and wallets. And, after getting the news about my foot, I was feeling sorry for myself. No excuses, just the truth. I wanted to replace a wallet that was worn out, so I purchased the same one online. I found a coupon code, so I thought I was a savvy shopper. ;). A few days later, I started thinking about a wallet my sister had given me that she purchased in Italy. I still use it, but it is smaller than what I usually use. So I started searching for Italian leather stores and found saw an absolutely gorgeous wallet on Cuoieria Fiorentina‘s website. Without a moment of hesitation, I purchased it. I guess old habits die hard. I may return the first one, but we will see once I have both in my hands. I wasn’t planning on purchasing either, so I guess this falls under the category of ‘impulsive’.

Everything else was spending as usual. I’m hoping this coming week’s spending will be a lot less.

Your turn. How was your spending this week? What are your plans for the summer?