February Spending: $1,234.31
February didn’t have any business trips, so what I have recorded is the amount I spent. I did a No Spend Work Week for the whole month, and kind of “went all out” on the weekends, but turns out my “going all out” wasn’t really all out.
So with that in mind, my spending vs goal for February was -$265.69. It also helps that there were only 28 days in February instead of 30 or 31 in other months.
Home includes Rent, Wifi, Electricity, and Laundry. I split my rent, wifi, and electricity with my roommate, which helps to keep the expenses here low. Laundry is a drop-off every few weeks where the laundromat does it for me and I pick up at the end of the day.
This is what I would consider my “core” living expenses. I basically need $900 a month to have the roof over my head and keep the lights on.
Not much to report here. It’s winter, and we don’t have to pay for heat, so electricity stayed pretty constant in the $60-ish range (which we would then split by half).
My monthly subscriptions are for Netflix (that I share with my boyfriend and sister), and the Gym. They are currently both around $11 a month, though I’ve heard that Netflix is going to up their prices soon.
I feel like this is already pretty bare-bones (I’ve only kept things I use or want to use often), and I’m pretty happy about my $11/month membership for a gym down the street, since NYC gym memberships can get REALLY pricey.
My Food portion consists of Groceries, Restaurants, and Cafes. I don’t drink alcohol, so Bars are never an issue. I only go to cafes and buy coffee on special occasions, and generally make my own or drink at the office.
This month, Groceries were $136.81, and Restaurants were $144.11. I was surprised to find that the groceries didn’t really go up from January, when I wasn’t home for a week. It was $115.89 in January.
I bought myself and my boyfriend little snack treats and coffee/tea cans from the Japanese grocery store when I went, but turns out it didn’t really make much of a difference.
I found that the Japanese grocery store in Manhattan is a lot cheaper than the one local to my apartment, so I’ve started getting some of my hotpot ingredients from there instead, which I think helps.
Olivia from Birds of a Fire taught me about a Chinese restaurant that sells 50 frozen dumplings for $12 in Manhattan Chinatown instead of $20 that I was buying in Flushing Chinatown, so that’s an automatic $8 I’m saving every time I buy my staple carb and protein source. Hah.
I budget for $300 a month for eating out, and $200 a month for Groceries, for total Food budget of $500 a month.
The Miscellaneous portion consists of Traveling, Work Out Classes, Shopping, and general Miscellaneous expenses.
I didn’t go anywhere and didn’t have doctors’ appointments that I couldn’t just take the subway for, so no traveling costs. I go down to DC area once every few months, so that would be around $100 a trip.
Work Out Classes: $0.00
I went to the gym 14 days out of the 28 days in February, so didn’t need to go to classes. It’s been working out pretty well, and I don’t have to spend a cent.
I budgeted for $60 a month for work out classes (3 classes), but depending on how I go next month, I might just cut this out of my budget entirely if the Gym would suffice.
I had $29.50 in the Miscellaneous section because I had to get my phone’s charging port replaced, and that was the cost of the parts. There was also a Women Get Paid event for March that I signed up for to attend.
For “Shopping,” I bought the domain for this blog and SSL cert for total of $10.87 from Namecheap!
I budget out $50 for each portion every month for total of $100.
YTD Spending: $2,416.58
At goal of living on $1,500 a month, I have $18,000 in 2019 to spend.
With February’s spending, I am at 13.4% of the annual spend goal.
How was your February spending? Was it higher or lower than expected? Any goals for your spending? Do you use a budget or do you just kind of wing it?