Home > January 2022 Spending & Summary

January 2022 Spending & Summary

February 1st, 2022 at 09:55 pm

Hello my SA friends!  Hope everyone is surviving January lol.  I will say that for the past few years, January has been soooo incredibly stressful and felt about 20 years long....and this year was far less stressful (although I could have done without the blizzard the Northeast got last weekend...).  I'm not the biggest fan of February either, but at least it's a short month!

Let's get the painful stuff out of the way - January was a spennnndy month, and I only have myself to blame.  As I mentioned in my last entry, I've been going a little nutty buying clothes.  Sounds super frivolous, and some of it definitely is, but a lot of it was legitimiate, I refuse to continuing wearing clothing that is not reflective of my hard work, even if most of the time, I am home in workout clothes (my typical work uniform these days),

Key:  Category: Jan Spending - context

Car/Gas: $35.78 - this was one gas fill-up, and probably some miscellaneous parking here and there.  Most of the towns near me have apps for the meters, so it's easy to track.  I would not include this if it were throwing a quarter in the meter.  I never have quarters for the meter lol.

Clothing/Accessories: $584.02 - welp.  Knew that one was going to be ugly.  There will be some returns in Feb to offset this but not enough to make it hurt significantly less lol.  

Dining/Entertainment:  $344.60 - This is actually better than it looks!  There was one pricey dinner out with a friend for her birthday, which is about half.  The rest is takeout/delivery, so that's actually a lot lower than usual.

Grocery/Household: $$489.87 - A little over budget here, but I stocked up on some pricey items which made up a good chunk.  I won't have to buy my breakfast protein shakes for a few months Smile  Hopefully I can keep it down for Feb.  

Health/Wellness: $64.55 - some vitamins, my monthly Peloton membership, and some new resistance bands.  Not bad at all.

Home Decor/Furniture: $387.70 - Some of this was needs - new sheets, etc (and I refuse to buy crappy sheets).  The rest was not, lol.  Some random decor pieces, an ornament, some candles.  

Medical (non-FSA): ($200) - a refund for a consult fee from a plastic surgeon I cancelled my appt with was finally credited. 

Miscellaneous: $115.16 -  I paid for a credit report and score to see how close I think I am to my goal of initiating the refinance process in March.  Score looks good, but I'd like to handle some of the credit card balance that's run up before having them take a look.  I can absolutely support the refinance on my DTI, just trying to make everything as attractive as possible.  I also donated to a charity for a friend's birthday. 

Office Supplies: $126.21 - had to buy printer ink.  I had been buying off brand ink from Amazon, but my printer did a firmware update and the cartridges no longer worked.  I figured I would try to replace them with the OEM cartridges to see if that did the trick before replacing the whole thing (I would have replaced with the exact same model so the ink would not have been a waste).  Thankfully it worked but that was unexpected and annoying.

Personal Care:   $526.68 - yowza.  Hair appointment was a pricey one this month.  Plus there was the tip for the nail salon with Mama.  This month should only be the nail salon, I won't be getting my hair done again til March.  

Subscriptions:   $131.96 - Prime (annual) and iCloud (monthly)

 Grand Total:  $2606.53

I do not include my FSA spending in this total, since it is not money coming directly out of my pocket, but I am tracking it just to make sure I stay on pace and to identify what the expenditures in this category are.  In January, I spent $350.91 in this category.  Co-pays for appts and prescriptions, some drugstore purchases, and a purchase for a back wheel set.  This was denied, so I returned part of the order, and will reimburse the account for whatever the amount left is once the return finishes processing.  It will be offset in Feb, and will come out of the health/wellness category instead.  The total including FSA spending is $2957.44.  High!

The month end summary of where everything stands is doing ok.  

As an overall, debt is up, even with some large pay-downs.  That's due to this semester's student loan being added, and not helped by an increase in credit card balances.  General savings is down very slightly, sinking funds are up, and so is 401k.  This does not include the payment for 401k loan #2 and the contribution from my last paycheck, as it has not yet reflected.  It's rthe right direction even if it needs work.

I think my check on Friday had the last payment from 401k loan #1, so once I confirm that on 2/15, I'll increase my 401k contribution to 15%.  

I'm still waiting on a bunch more tax documents to finish those, but as of right now, it looks like I owe money, due to the cancellation of debt from the settled accounts last year.  Bummer but it's not a huge amount, and could still turn around as some of the deductions have not yet been inputted, waiting on that info from my building's accountant.  Still holding out hope for a refund.  I'd love to get back on the downward trend debt wise by the end of this quarter.




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