Wisedebther Weekly Spending 2/11/18-2/17/18

Happy Sunday! Like most evenings this month, the Olympics are on in the background. I’m in absolute awe of these games! The athletes’ dedication and talent certainly inspires me to achieve my own goals–ahem, debt free ;).

So, spending this week. As a non-rent week, it should be low . And the actual total is not too terrible, but I’m not gonna sugar coat it, there is still much to be desired! I’ll get into the numbers below, but I have to leave a disclaimer. There are a few expenses NOT shown in here, and one is for an odd reason. I bought The Simple Path to Wealth and pre-ordered Meet the Frugalwoods: Achieving Financial Independence Through Simple Living  on Amazon and accidentally used my partner’s CC as opposed to mine. Thus, we adjusted some of food expenses that he owed, meaning it’s higher overall, and the book expenses are not reflected. This is because weekly expenses are my expenses, not our total household. Phew, now that we got that out of the way, here is the weekly breakdown :

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Wisedebther Weekly Spending 2.4.18-2.10.18

Sunday relaxation… the best. The weekend in my neck of the woods has been a mix of relaxing and the drudgery that can be chores. Luckily, listening to Podcasts while doing said chores saved the day and snapped me right out of my snarky attitude and back into a place of gratitude. There are many times in my life when just having a Sunday off would have been something to be grateful for! Trying not to forget that. Alas, chores are done (mostly), taxes are not (that’s OK), and I’m ready to tackle the week ahead.

In the spending department it was a relatively low week, particularly compared to week one of the month, which is universally spiked due to rent.  Here is how it went down :

Entertainment: I’ve held on to my Audible membership, albeit at a lower membership rate.. I’m a “Silver” meaning I get one credit every other month. My last choice, was very underwhelming. I’m unsure if I’m going to hold on to this much longer. Let’s see how this month’s credit goes, been thinking to try out a Brene Brown book…

Cashew the Cat: Every 2-3(ish) months Cashew the cat gets an order from Chewy.com…We LOVE chewy ! The order consists of : 1. His special medicated food for his urinary tract problem. 2. An order of Litter  + 3. A “treat”, usually a toy. <–This last part of course is not a “necessity”, but it allows us to get free shipping + helps me keep my sanity. This cat, to put it nicely, is a bit high maintenance. His hunting toys tend to get damaged pretty quickly…he takes playing VERY seriously. Toys that he likes/simulate the “real world” = less damage to my furniture = happiness for all. Spoiled is a word he knows very well.

Food & Drink: A vast improvement from the week prior, and just in that sweet spot before it gets too high for comfort. Ideally, I’d like to see this expense in the lower 70 range, but I’ll take it. My partner has been working nearly every day, so considering I’ve been doing the list and shopping solo, I’m impressed! Food as I’ve discussed in my Debt Free Diet Part I and II has been my Achille’s heel in the journey to debt free. The fact that I’m at a point that I can manage this (almost) independently is a big giant step in the right direction–moving beyond those baby steps now !

“Funtivity”: Not much to report here, a “tip” for Super Bowl Sunday wings + an iced coffee at my local coffee shop right  before I dived into a few hours of “catch-up” weekend work.

Self-Maintenance: I ordered a pair of wedding shoes from DSW. They are white and pretty simple, just like my dress…which was only $90 !!!! Hopefully they fit, if not… back to the warehouse they go.

Miscellaneous: I think this is my third(?) week in a row with a misc. expense, meaning the category that is causing it (GIFTS!) should probably be given a line of its own. This time it was 4 greeting cards– three birthdays, and one Valentine.

Off to catch up on my fav Personal finance blogs, watch some Olympics, and sip a glass of wine. Sending good vibes for the week ahead !

Wisedebther Weekly Spending 1/28/18-2/3/18

January was gone in a flash ! Lucky for me this weekend was an EXTRA long one. My mom visited from Mass. and although she left this morning, I have the rest of the day off to play catch up, both with cleaning and my finances.

Compared to last week, this one was a heavy hitter in terms of spending. The beginning of the month signals rent due, plus with visitors I always tend to spend a little more on groceries to make sure we are stocked with both essentials + “fun” foods/drinks. The detailed numbers are below:

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Wisedebther Weekly Spending 1/21/18-1/29/18

Well well well.. back to Monday. I spent a good deal of the weekend playing catch up with some work-related stuff. Although it wasn’t the most recreational weekend in the books, I sure did save a lot of $$ as a result. I also have my mom in town for a long weekend, meaning I’ll have plenty of leisure time ahead. My weekly spending is below:

In terms of categories, my highest expense was household, which consisted of a Target run to pick up some cleaning/house supplies. In my debt pay off, I’ve learned to avoid stores like Target, Walmart, etc, because they are spending ‘sieves’ . Money flows out of my wallet a little too quickly in those parts….EVEN when I make a list. I find its easy to rationalize “I need X, Y, Z”, particularly when it relates to household stuff. Now, I realize this is personal and perhaps the same way other people may feel in a clothing store, but for me its one of my weakness areas. $61 seems like a good chunk of change (and it is !), but back in my debt ignorance phase, I would easily slide into the $100 range. Small, little baby steps…

Food expenses were low because I had done my shopping on Saturday of the previous week. And “Funtivities” consisted of 2 coffee dates–both work related. One was for a meeting and the other was a Saturday pick me up before diving back into report writing. Finally, Misc. was office supplies + postage fees.

An easy and simple week. Aside from tallying up my numbers I find there are other benefits to keeping track of spending on a weekly basis. Whenever I add up my numbers, I take a “deep dive” into my bank account statements. It serves as a reality check and keeps me honest. It also keeps me motivated to know where I will be in terms of cash flow once I’m debt free.

This leads quite seamlessly into my exciting decision. By March 1, 2018, I will be officially debt-free! Based on my calculated earnings, upcoming tax-return ( I still don’t know exact amount getting back), emotional comfort with where my emergency fund stands, I am ready to say ADIOS to my debt!

Thus, this next month I’ll be aiming to maintain/lower my expenses wherever possible. I envision using weekly spending for the next few months, particularly as I want to ensure I don’t have any unplanned spending spikes as I adjust to my debt free lifestyle. However, I’ll be frank, I don’t think daily/weekly calculations will continue to benefit me in the long-term. I want to find greater automation in my tracking. I’m not exactly sure what this will look like, maybe Personal Capital or something else. The jury is out on that one.

At any rate, I’m ready to get to watching some “Bachelor” drama. Wishing all a fruitful financial week ahead!