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January 2016 Recap

February 1st, 2016 at 02:08 am

I can't believe that the month went by so fast. Just seems to be more and more so the case the older I get... ah well. Hopped onto Mint and took a look at my spending for the month. Things are a little off for a few reasons, but here's the snapshot:



My CC payment bar is off because of my balance transfer. But I actually paid off the remaining $200 after the transfer and then the minimum payment on my Amazon Visa.

Given that I've counted all grocery purchases made at the end of this week for this coming one, they didn't apply to the January grocery budget. Also, I filled up the car twice - I just started using the joint account a bit more at the end of the month, so that isn't accounted for here.

I was just under on the restaurant budget, which was a bit frustrating. Still not awful, but I would have preferred to eat out less. There were a few other times that DH paid from his account, too. I'm hoping to do less dining out in February. Internet has been over every month for the last 6 months. I may have to reassess there - but paying $10 more still seems like a better deal than increasing our plan most likely. Will have to look into options.

The "business expense" overage was due to filing my sales tax, and the "Everything Else" at the bottom was my Q4 local tax. I had forgotten that both of those hit in January.

"Shopping" also included a $20 pair of slippers that I paid from the other account. My feet have been suffering this winter, despite it being relatively mild. DH bought a pair to replace his go-to pair that began falling apart. I didn't own a single pair, and when I tried his on I realized that was the solution to my frigid toe problem. 2 pairs of socks hasn't worked, but these things are like magic.

So all that being said, my "No Non-Essential Spending Month" wasn't entirely successful. But I have been practicing more mindfulness with my spending - thinking through purchases rather than just impulse buying. And I didn't go hideously over budget. I'm just going to continue on that trend.

February will also be the first month we're operating mainly out of the joint account. I'll be closing my PNC account here shortly, and DH will do the same. So we'll get a much clearer picture of where we're both spending. Which I'm sure will be enlightening!

I think that's it for me now. Hope you all had a successful January!

1 Responses to “January 2016 Recap”

  1. FrugalTexan75 Says:

    Just being more mindful is a success in itself! Smile

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