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January summary

February 2nd, 2006 at 03:06 am

I don't have all my totals yet for the month...can't get into my credit union account, which was closed this month, to get my statement, so I will have to wait for the snail mail. But I barely touched it this month. Ditto on the HSBC account - DH must have written down the wrong password, because I can't get into this one either. But the only thing we did on this account is cash withdrawals (probably $400-500 due to vacation), so I will account for this when I get the statement.

Here are my goals for the month and how I actually did:
Groceries: 300 -> spent $234.83! However, my mom did a fair amount of shopping this month. I need to investigate to see if she is spending more to make up for what I am not spending (she's not a saver like me!). I don't want to save more at her expense.
Household: 200 -> $165 spent
Car: 200 -> 202.85
Medical: 345 -> 30 (DH never got his contacts that he needed, so this anticipated expense will carry over to next month)
Clothes: 25 -> 28.40
Loans: 300.25 -> 550.36 (this is only higher because my Dec. car payment did not get cashed until Jan.)
Entertainment: 400 -> 326.58 spent, not counting what we spent in Vegas in cash
Gifts: 0 -> 138.13 (new baby, thank you gift to my parents for watching the kids while we were on vacation)
Miscellaneous: 150 -> 331.73 (bridesmaid dress and new bowling ball for DH accounted for most of this)
Real estate: 100 -> 0 (business card order has not been processed yet)
Expenses I didn't account for: $145.74 in DH's school expenses, $50 pre-school tuition
Total expenses: planned for 2020.25 -> actually paid 2038.62...so close! However, the good news...income was $2534.69, so we had a month in the black - first one in a few months, it seems.
Overall, I'm pretty pleased this month. I was really concentrating on cutting down the grocery expenses and I have been able to do that considerably. Using a list really has helped.
TOmorrow I will try to post my goals for next month...

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