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OMG - We spent more than we took home this month!

July 31st, 2008 at 09:43 pm

By over $400! (I just edited it, I forgot the plane ticket)
Nothing leftover for savings. And not counting the stuff we bought with gift cards we had before.

RENT $951.00
STUDENT LOAN $141.00
ELECTRIC $112.00 TRIPLE PLAY $109.00
GIFTS/CHARITY $675.00 (wedding, gift)
FOOD $452.00
MEDICAL $10.00
ROTH $308.00
PHARMACY stuff $103.00(Sunblock, shampoo, etc.)
CLOTHING $847.96 (2 pairs summer shoes, Anne Fontaine Shirt, few Lacoste polos for DH)
HOUSE STUFF $408.16 (Dyson Animal refurbished, kitchenwares)
DRY CLEAN, LAUNDRY $4.50
MISCELLANEOUS $8.00
GROOMING $104.00 (make up)
CAR INSURANCE $239.82
TRANSPORTATION (GAS/TOLLS) $650 (approximate)
OTHER TRANSPORTATION (TAXI, PARKING) $8
CAR MAINTENANCE/EXPENSES/REPAIRS $250.00
FUN STUFF $413.00 (ipod touch and stuff for it, book, earrings)
EATING OUT $592.00
MY AIRFARE TO VEGAS $420
in total about $6,800

We had a wedding of a close relative - $600, DH birthday(best steakhouse), a "need" - new vacuum cleaner (2 cats, so it is a need) and a "want" of ipod touch.

But this cannot go on. I have to hold myself accountable. It is so easy to just buy what I want. I did horribly this month and it should be a wake up call.
I am supposed to be SAVING MONEY!

At least when i had few hundred dollars leftover I could view it as some sort of movement forward. But now I don't even have that excuse.

Posted in Uncategorized | 5 Comments »

5 Responses to “OMG - We spent more than we took home this month!”

  1. gamecock43 Says:
    July 31st, 2008 at 09:46 pm 1217540783
    1217540783

    Thank you for posting your catagories. I am going to start tracking spending next month (tomorrow) and like your layout. Next month I bet you will put more than enough in savings to make up for this month. No birthdays next month, right?

  2. ceejay74 Says:
    July 31st, 2008 at 10:20 pm 1217542822
    1217542822

    This is a good step: Writing it down helps you separate the wants from the needs (and the really-really-wants from the could-skip-it-and-not-miss-its). Keep it up!

  3. scfr Says:
    August 1st, 2008 at 01:58 am 1217555929
    1217555929

    Have you chosen which categories to target for cutting back?

  4. Casey Says:
    August 1st, 2008 at 02:21 pm 1217600503
    1217600503

    I think spending almost 600 dollars/month in eating out is ridiculous, escpecially since you also have $450 worth of food expenses. Granted eating out in NYC is expensive, but 600 is just a tad bit excessive IMO.

  5. Nika Says:
    August 1st, 2008 at 05:57 pm 1217613446
    1217613446

    I will, of course, cut down on clothing.
    Gifts should be much less in August - no wedding(wedding gifts are not optional)
    I hope no car repairs will be needed.

    Eating out... I have cut it already. This is just Saturday brunch 4x, Friday night dinner out 4x, one dinner in a nice steak house and a lunch in a nice restaurant with a co-worker. I will try to cut down more next month. (though with our little Vegas break it may not happen). But I will have to cut down on something.

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