Monthly Debrief: February 2019

TRACKING

  •  # Buy nothing days :14 (50%)
  • # times ate out/purchased take out: 6
  • # activities with loved ones: 2 really meaningful activities
  • $ saved at Costco: No Costco visit this month
  • % over or under budget:1% under budget (This is the first time in about a year that I can put it into my Fun Fund)

CELEBRATE:

  • Usually February is a bit of a mess as I go to a conference and end up overspending
  • We’ve been eating healthier, going to a local zero-waste store and sticking pretty close to the budget
  • I have been kinder to myself

DIP INTO SAVINGS/CREDIT

  • Medical cost – I’m exploring a therapy that isn’t too expensive but isn’t covered by my insurance. It may be a placebo effect but as it’s helping with my mental illness I’m using it.

KEEP IN MIND

March is Costco renewal month and I just got a crazy cell phone bill as I haven’t been making frugal phone choices. If I keep my budget and goals at the forefront I can keep the momentum going in March.

OVERALL

This month was pretty good. I’m beginning to feel as though we’re missing out on experiences (dances, movies, theatre) as I’m being pretty strict with myself. It does help to look back at 2018 and realize that we for a $30,000 anniversary gift to ourselves without going into debt. Missing out on a few experiences is totally fine compared to the stress I would feel if I was $30,000 in debt.

 

SPENDING CATEGORIES (according to my credit card company)

Screenshot_2019-03-03 Transactions

As I mentioned, this feature doesn’t totally align with my own tracking. However, it’s a great way to see where most of my money goes. Household and Services both hold a lot of money for car repairs.

If you change household to Car Repairs and made Services everything else in those 2 categories my list would be:

  1. Car repairs
  2. Groceries
  3. Restaurants
  4. Services – Medical appointments; Netflix
  5. Transportation – gas
  6. Shopping
  7. Other

This does not include all the things I pay from my bank account but it does give a pretty good snapshot of my spending.

 

 

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