November 2012 Spending Plan Results

The following is my combined expected and actual household expenses for the month of November.

Fixed Expenses Expected Actual
Cable/TV          30            27
Phone          60          106
Rent     1,150      1,150
Gas        150          344
Utilities            -             -
Total Fixed    1,390      1,627
 
Variable Expenses
Groceries        220          224
Dining out        175          177
Household          20             -
Donations            0             -
Clothing         100             -
Presents

      200

         234
Entertainment          50             -
Personal          20            12
Working out/health        120             -
Work Expense            -          765
Unaccounted            24
Total Variable        905      1,435
Total Expenses     2.295      3,062
 
Savings for Expenses
Insurance Payment       120       120
Car Maintenance           0     (357)
Dentist/haircut/Dr           0           0
Vacation           0           0
Education         10         10
Total Savings       130     (227)

 

 

Notes:

-          Groceries were decent this month since I have been participating in Mr. CBB’s Grocery game, but I might increase the amount a bit for next year to reduce the amount of money spent eating out.

-          We made changes to my phone plan which means we were hit with 2 phone bills this month. It should go back to normal next month.

-          That work expense number sucks, doesn’t it? If only he did his expenses on a more timely basis. :P

-          Got the rims for the winter tires just in time as we have been dumped on quite a bit these past few weeks.

This is the expected December spending plan.

Fixed Expenses
Cable/TV          30
Phone          60
Rent     1,150
Gas        150
Utilities            -
Total Fixed    1,390
 
Variable Expenses
Groceries        200
Dining out        195
Household          20
Donations            0
Clothing         100
Presents

      225

Entertainment          25
Personal          20
Working out/health        120
Work Expense            -
Unaccounted
Total Variable        905
Total Expenses     2.295
 
Savings for Expenses
Insurance Payment       120
Car Maintenance           0
Dentist/haircut/Dr           0
Vacation           0
Education         10
Total Savings       130

 

Notes:

-          Utilities are included in the rent as long as we keep our usage under $95 a month. So far so good! We also got in touch with our landlord, and I think we should be good for another 6 months or so, although we haven’t actually met up with him yet. He is DEFINITELY a hands-off kind of landlord. :)

-          Internet service as well as his phone is a benefit provided by boy’s work, so it isn’t included in the expenses.

-          My current share of the expected expenses is about 40%.

I will spend some time looking through our annual expenses to see how the year panned out. I don’t think the budget should change too much, but it is always good to do an annual check-up to make sure your expenditures line up with your priorities!

Thanks for reading!