10/09/2014

Where Has All The Money Gone?!

It's been a few months since I've looked at our spending over a month by month perspective.  October feels like a good time as in January I'll be doing a year over year comparison and year in review.

I think the graph I have below is the most useful when trying to analyze the data...but if you have suggestions for ways to look at it - I'm all ears.  I have - for this third quarter review - eliminated categories with very small spending (medical) and those with none (emergencies)

Gas
I'm not surprised with how much we spend on gas overall.  January was low because we had just bought a new vehicle (the Kia) and had one set of wheels for a short time.  In the spring/summer we spend a lot of time driving to go camping and in the winter we drive to BC a lot to visit my family.  We use the Kia for grocery shopping and errands - but with two big dogs - we use the Escape for any trips where we take them.

Groceries/Eating Out
The up and down with groceries almost mirrors Eating out in that when we spend more in one category, we spend less in the other - but combined we average about $1,000/month (or $500/person).  I know that a lot of people feel like this is high - and I don't disagree.  Those, if you comment here please note that this also includes house cleaning supplies...well any house 'stuff' that one would get at the grocery store - ziplock bags, tin foil, cleaning supplies, often dog food etc.  This remains one of the top areas we could improve.

Eating out...well...you all know we have a problem here.  BUT it's not the $5 Starbucks 'effect' - this is everything from Jordan buying his staff donuts/coffee, date nights, annnnd some Wendy's - we tend to eat on the road when we're on the road - and we're on the road just about every weekend.

Alcohol
Did you see yesterday's post?  Did you?  We'll see if making my own wine helps with this part of our spending by early next year when it's ready to start drinking.

Entertainment
This went up recently because of buying more books, buying wine supplies, and some itunes purchases.

Pets
I know, I just said dog food is usually captured under groceries.  Sometimes it's here, this is also dog bones, dog treats - and we had to buy a new dog bed recently as well.

Clothes etc.
This one is pretty self-explanatory - this has ups and downs us our careers/closets demand updating.  Jordan had to pretty much buy an entirely new wardrobe this year, and continues to invest in good work books - and I continue to try to invest in my wardrobe to 'dress for the job you want, not the one you have'

Vehicle Maintenance
Well...vehicles need maintaining.  So...this is that.

Gifts
Who doesn't like presents?  Jordan and I enjoy being generous with each other and our families.  Just wait until I start Christmas shopping....

Home Maintenance
This is everything from odds and ends around the house like small appliances, dish clothes, pillows, mops, brooms, to things outside like a trickle battery charger, rakes ect.

Vacation
So I'm pretty sure you guys are going to hammer me for this...BUT I wanted to try to pull out gas, eating out, ect. expenses for when we were camping this summer/fall...so this, is that. We weren't sure last year how much it actually cost us - so outside of extra groceries & alcohol (which I didn't track separately) this is what we spent on camping.  We did go several times each month.

click to see larger image
phew....that was a very, very long post.
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2 comments:

  1. That is a cool graph, I love how you can see exactly where each category was in every month, I may have to steal this ;)

    Other than eating out, I think you guys did OK, and believe me, eating out is one of our constant challenge areas.

    ReplyDelete
    Replies
    1. Hey Morgaine! Thanks for commenting. Going through this exercise was helpful as we start to put together our draft 2015 budget. I'm trying...the never ending trying...to get a bit more realistic.

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