2012 Jan ingo 4479 outgo 3392 (+1087)
Feb ingo 5500 outgo 5228(+272) (200 appraisal for ins, 650 medical 223,260 camps)
Mar ingo 6537 outgo 4800 (+1737) (343 plane ticket, 511 medical)
Apr ingo 4474, outgo 4908 (-434) (750 for year 1/2 tap lessons, 240 patio table)
May ingo 4273 outgo 4112(+161)(380 semiannual autoins, 300 travel expenses)
June ingo 3761 outgo 4024 (-263) (598 travel expenses inc extra restaurants)
July ingo3779 ingo 4295 (-516) (181 travel, 300 extra food costs, 189 ac repair)
Aug ingo 5875 outgo 5014 (+861) (400 medical, 650 computer+electronics 200? travel costs)
Sep ingo 4033 outgo 4459 (-425), (255 dentist, 160 computer monitor, 250? birthday costs, 200 house stuff (NOT including 1400 sofa+ottoman))
Oct ingo=4080, outgo =5382 (-1302) (280 semiannual autoins, approximately 706 vacation spending+193 extra gas costs)
Nov ingo 4166, outgo 4391 (-225) 708gifts
Dec ingo 4389, outgo 6581 (-2192) 1000 xmas, 2K household
(net negative 1239)
June and July were travel months. September was a high spend month including a child's birthday, new computer, my birthday (plus the sofa purchase, not included).
October was Disneyworld trip.
November I talleyed up $700 in gifts, birthday for dd1, cash gift to Mom for thanksgiving, and xmas gifts. Dec ended up the year with another 1K in xmas related spending. We also spent 2K in household, including new fridge, new chairs for kitchen, Ikea trip, and replacement parts to fix oven handle.
In general if things have been household, have not necessarily reimbursed ourselves fully from house fund, but enough we do not have to pay interest charges on credit card. We did pay off fridge in full from house fund.
Talking with spouse, we spent more than usual on travel/vacations. I purchased an ooma to replace our home phone, that should save around $30? a month (we'll see). Main plans are to take lower key vacations this year, including trips to camp and possibly an overnight camping trip, and of course, pay off sofa. We keep talking about idea of instead of doing traditional Christmas, make a trip the main xmas "gift" (DD1 votes for great wolf lodge). We don't do well with splitting up our money into lots of "buckets". Only thing that seems to work is for us to automatically deduct amounts to go into savings, and work with what is left. Currently I'm taking out $50 each paycheck (1300 a year), which should normally replace the majority of emergency expenditures. I reduced amounts in my flexible health savings account. Will need to up the amount automatically deducted (another $15) to cover difference. Otherwise, no big changes.
Last edited by partgypsy1
on Mon Jan 07, 2013 9:35 am, edited 2 times in total.