Expenses: July 2015

ExpensesExpense report!  Since I’m a total voyeur for finance, these types of details are exactly the kind that I love to read on other people’s blogs.

Don’t get me wrong though, these numbers are primarily written for me and Mrs. Dragon.  Every good FIRE breather knows that to be successful, you have to track your expenses. You have to track them like a shark tracks blood in the water.

How else will you know when your Hoard is big enough?

Without further ado, here are the numbers for July (rounded to the nearest dollar):

Mortgage: $694

Groceries: $556

Utilities (electric, gas, water, sewer, trash, internet): $136

Cell phones: $46

Netflix: $8

Gym: $8

Restaurants/fast food/bars: $278

Insurances (car, personal property): $34

Gas: $38

Home improvement: $0

Travel: $1661

Gifts: $125

Goblins: $251

TOTAL: $3835

The Goblins category is a catch-all for stuff that we don’t always spend money on.  All the little budget goblins that steal our money throughout the month.  This month it included a couple’s massage in Belize, some ribbon for gifts, a beer kit for making homebrew, and some underwear and shoes for Mrs. Dragon’s appearance in a wedding.

This month was really high, mainly due to all the costs associated with our trip to Belize. Without the travel costs we spent $2174 this month, which is pretty good.  For those interested, I’m going to be giving a full financial breakdown of our 24 days in Belize in a post sometime soon.  Stay tuned.

If you’ve been reading these reports for very long, you might notice that I didn’t include the extra principle payment for the mortgage in the expenses this month.  I decided that paying extra on the debt isn’t really an expense, it’s an investment, so I’m going to classify it as such from now on.

Also, the $556 in groceries is misleading.  When we were in Belize, we shopped for a lot of things that aren’t exactly “groceries” at the grocery store.  Flip flops (Mrs. Dragon’s broke in the middle of the trip), sunscreen, dramamine, aloe, vaseline (who knew this was a requirement for snorkeling with a mustache?), booze, etc.  I didn’t really keep track of splitting transactions because it was too much work and I was on vacation 🙂

Restaurants were also high because we were traveling in a foreign country and wanted to sample their food.  Rice and beans with stewed chicken and cole slaw is delicious… seriously.  Also, lobster is delicious.  Mmmmm…. lobster.  And ceviche.  So many delicious things.

The gifts were related to the wedding that Mrs. Dragon was in.  This number includes rushing out the night before the event to purchase floral tape, ribbon, and a hot glue gun for the bride/bridesmaids.  They call me the problem solver, haha.  Anyway, it was well worth the $25 for the bride’s peace of mind.

Also, the gas number above is only for our car here in the states.  We bought gas for a rental car down in Belize, but I categorized that as travel money.

Now that we are back from vacation we plan on buckling down on expenses for the rest of the year.  I fully expect the next four months to all be under $2500 and hopefully we’ll have some under $2000 as well.  Only time will tell.

How were your expenses this month? Are you keeping track?

The Travel Hacking Experiment: Part IV
The Hoard: August 2015

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