Expenses: October 2016

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 witch tracks her familiars.

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

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

Mortgage: $710

Groceries: $622

Utilities (electric, gas, water, sewer, trash, internet): $243

Cell phones: $24

Netflix: $11

Gym: $8

Restaurants/fast food/bars: $54

Insurances (car, personal property, life, dental): $288

Gas/Car: $29

Home improvement/maintenance: $3176

Travel: $0

Healthcare: $161

Entertainment: $0

Hobbies: $0

Gifts/Charity: $0

Clothing/Shoes: $0

Daycare: $0

Baby stuff: $0

Goblins: $450

TOTAL: $5776

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 an annual fee for our new Chase Reserve credit card. We got it recently as part of our ongoing slow travel hacking. Now $450 is pretty steep, but the sign-up bonus is lucrative enough that we think it’s worth it.

As mentioned last month, we got our foundation shimmed in October which was a big chunk of change. Otherwise the month was pretty standard.

We had our quarterly bug spraying in October.

We bought protein powder which drove up groceries a little higher than we like to see.

In healthcare we paid some lab fees, bought some lecithin for Mrs. Dragon, and had to write a couple of check to our employer to cover Mrs. Dragon’s health insurance since she’s been taking the semester off to be home with Baby Dragon. I thought about including that amount in the insurances line, but I want to keep that line representative of our ongoing costs, rather than weird blips on the radar.

Without the foundation work and credit card annual fee this month would have been very vanilla. We continue to plug along with our financial lives on autopilot for the most part, which is really convenient since we are still getting used to life as parents.

In other news fall weather has finally started to arrive and I, for one, could not be happier about it.  I love cool weather and I’m hoping we get at least a couple weeks of temperate stuff before the temperature falls off a cliff.

How has your fall been going? Do your monthly expenses change during the later months of the year?


The Hoard: October 2016
The Hoard: November 2016

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The Hoard: October 2016

Every good dragon has a hoard.  You know.  The collection of gold, jewels, and other valuables that the dragon guards...