Spending Report for December 2009

Spending Report for December 2009

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Duncan on the couch.Well, it’s a new year now so I’m not going to apologize for *any* of my ridiculous expenditures last month.

Really, though, I didn’t go drastically overboard in any category and I even got a jump on some of my financial goals for 2010 — specifically the mortgage goal.

So, here’s a listing of the damage:

  • $1850.00 : Mortgage
  • $1147.23 : Hockey Jerseys
  • $226.54 : Christmas Related Stuff
  • $200.00 : Lawn Service
  • $152.32 : Electricity
  • $136.59 : Natural Gas
  • $111.50 : Cable/Internet
  • $81.42 : Gas
  • $69.50 : Business Expenses
  • $68.48 : Phone

That’s $4043.58 — a lot of money.

Explaining it all…

I stepped up my mortgage payments this month to the tune of $175 towards the principle per week. This puts me back on pace to finish off the mortgage in a timely fashion.

The hockey jerseys… Well, history shows that I splurge at the end of November each year and I did it again this year except, for once, it didn’t hit the books until December rolled around. Yeah, it’s a number I should feel shame over but I said up at the top that I wasn’t going to apologoze for anything.

Christmas only cost $226.54 this year. Definitely a thrifty holiday compared to years past. We figured that Duncan isn’t going to remember this one so we didn’t bother to go all out.

The lawn service expendure was also a hold over from November. I’ve mentioned a few times on the site that I’d never be raking my own leaves again because, in my eyes, it’s definitely worth the money to have someone else come and get rid of them for me. They sucked every last leaf up back during the first week of November but the bill arrived in mid-December.

The bills this month were a pleasant surprise. It’s gotten super cold so I expected the electricity and natural gas bills to skyrocket. They both went up but not by much.

The gas total indicates that I only filled up 3 times in December — a combination of getting great gas milelage and not making a single lengthly car trip.

Lastly, the phone… This one is starting to irk me. See, if I recall correctly, I only used the phone a total of 4 times this month. If you were one of the lucky fortunate to have spoken with me on the phone this month I’m sure that you’d agree that none of the calls were worth the roughly $17 I ended up having to pay for them.

Bring on 2010…

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BrainyPIAC Post Extension:
Though I didn’t start doing these spending reports until the end of March, I have the data for the entire year nice and handy so, for the record, I “spent” $48665.80 in 2009.

That works out to an average of $4055.48 per month so, really, I had nothing to apologize for this month — I came in under “budget” in a wacky sort of way.

Here are the totals for all years past where I’m 100% confident that the numbers are complete and accurate:

2004: $55,594.06
2005: $66,791.22
2006: $78,530.31
2007: $81,046.25
2008: $49,342.55
2009: $48,665.80

Keep in mind that 2006 and 2007’s numbers are skewed by the home improvement projects we took on back then.

No matter how you read the numbers, whether you think they’re insanely high or welfare level low, I’m on the right track having kept my expenses over the past two years lower than they’ve ever been.

What exactly occured roughly two years ago that allowed me to turn the table?

Yep, I wiped out the last of my credit card debt.

Coincidence?

I think not.

If you’re carrying some credit card debt, I can’t stress it enough — wipe it out before anything else because once you do all of the other stuff will suddenly fall into place.

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