I’m definitely digging analyzing a budget again, but with my big job loss, March will definitely be different. I guess I’ll learn how to buckle down my spending again. Without further ado:
I’m starting to realize how difficult it is to even track this much. Frankly, I have too many accounts, roughly 25, to be able to check them all and make sure I catch every transaction, especially Mint acting up-more on that later.
Income was up to a whopping $2,553.29 this month between watching my bonus money from family and winning at the casino the first time I ever went there! However, dividends were down from what I expected. Interest decreased with my savings withdrawal to pay off the majority of my credit cards.
The income was distributed:
- Paycheck: $2,243.81
- Bonus: $295.50
- Dividends: $6.26
- Prosper: $6.34
- Interest: $1.38
I received dividends from:
- Apple (AAPL): $3.70
- AT&T (T): $2.56
Interest was $0.01 from my credit union and $1.37 from my Ally account.
My total expenses for the month ran: ($2,613.43).
- Bills: ($942.52)
- Car: ($366.61)
- Controllable: ($291.95)
- Donations: ($45.00)
- Financial: ($967.35)
Bills are divided between credit card payments, my gym membership, RTD pass (which gets reimbursed) and my MassageEnvy membership. I didn’t have any personal loan payments this month. Credit cards were higher than expected because I paid off my Nordstrom, Target, and Discover cards. I left my CapitalOne alone as it is still in the 0% APR introductory period.
I spent roughly $60 on gas this month and the rest was my car payment and car insurance.
Controllable expenses include $70 in food, tips to MassageEnvy, and entertainment. I’ll be going to a Blue October concert this year! I’ve regretted going the last two times they’ve been in time, so I just pulled the trigger this time.
I donated $15 more than I normally do because I put some money toward my friend’s bowl-a-thon he has for work.
Financials was split between Acorns ($12), Digit ($49), TradeKing ($100), Roth ($458.33), whole life insurance ($48), Prosper ($25), and savings ($75). Loyal 3 didn’t happen as it was an off month, so it’ll pull twice in March. I also pulled money out of my Ally account to pay off credit cards this month.
I was in the negative $60.14 this month. Tracking my spending is definitely helping me keep tabs on my expenses. I mean, I only spent $70 on food! Food is my vice!
Additionally, I’ve decided to track No Spend Days (number of days I didn’t spend money). The way I’ll be doing this is by tracking controllable expenses. These are non-automated expenses. In February, I had 17 No Spend Days, not bad, but more than every other day. Let’s see how March goes!
What did your February look like?