Money and Finance
January was a truly awesome month. I ended up bringing home over $2,200 more than my average for 2012 and the best part is that all went straight to savings. I only overshot one category by a lot but that'll start getting in check beginning with February. Grocery expenses were the only other category that I went over but it was right in line with where my spending was during 2012 so I'm not too disappointed by it although I do need to work a little more on it. My minimum expenses for the month came in at $1,304.19 which was my lowest total for a full month. I did get lower last June but that was mainly from being on the honeymoon which those expenses were all saved for. TTM minimum expenses are averaging $1,469.13. Total expenses for January ended at $1,451.85 and brought the TTM average down to $1,631.36. Dividend and interest income was pretty light for the month at only $25.09, so my potential retirement income covered only 1.92% of expenses. The 30 year treasury yield ended January at 3.17% which brings my FI number up to $288.37, over 2.5 times January 2012's number. This would cover 22.11% of my minimum January expenses. I know my expenses will creep back up some because my cell phone bill was noticeably missing since I started the new contract by joining on my wife's account in the middle of a cycle so they held off on the billing. I'm not too happy with that but it is what it is.
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- Income Update - March 2013
This year has been just amazing. My income has been way up and that has helped to contribute to so many of my goals for 2013. I did really good in March on controlling the expenses, and brought them back in line with January after February's...
- Income Update - December 2012
December's income was lower than what I'd averaged through the first 11 months of 2012 but was still great at almost $6,500. It wasn't a great month for expenses but considering how much I went over budget on a few areas I'm happy that...
- Income Update - October 2012
October's spending was right in line with August and September which is good because it hasn't increased but it's still higher that where I would like for it to be. I was hoping to be able to get my spending down to the $1,300 mark but I...
- Income Update - September 2012
September was an okay month for my spending. I let my expenses creep up higher than where I would like but I was still lower than my average for the year so far. My minimum expenses for September ended the month at $1,422.25. This brought my average...
- Income Update - August 2012
August was a decent month for my spending with it being below my average so far for the year, but it was still higher than it should have been. My minimum expenses in August ended the month at $1,417.13. So far in 2012 my minimum expenses have averaged...
Money and Finance
Income Update - January 2013
January was a truly awesome month. I ended up bringing home over $2,200 more than my average for 2012 and the best part is that all went straight to savings. I only overshot one category by a lot but that'll start getting in check beginning with February. Grocery expenses were the only other category that I went over but it was right in line with where my spending was during 2012 so I'm not too disappointed by it although I do need to work a little more on it. My minimum expenses for the month came in at $1,304.19 which was my lowest total for a full month. I did get lower last June but that was mainly from being on the honeymoon which those expenses were all saved for. TTM minimum expenses are averaging $1,469.13. Total expenses for January ended at $1,451.85 and brought the TTM average down to $1,631.36. Dividend and interest income was pretty light for the month at only $25.09, so my potential retirement income covered only 1.92% of expenses. The 30 year treasury yield ended January at 3.17% which brings my FI number up to $288.37, over 2.5 times January 2012's number. This would cover 22.11% of my minimum January expenses. I know my expenses will creep back up some because my cell phone bill was noticeably missing since I started the new contract by joining on my wife's account in the middle of a cycle so they held off on the billing. I'm not too happy with that but it is what it is.
Read more »
- Income Update - March 2013
This year has been just amazing. My income has been way up and that has helped to contribute to so many of my goals for 2013. I did really good in March on controlling the expenses, and brought them back in line with January after February's...
- Income Update - December 2012
December's income was lower than what I'd averaged through the first 11 months of 2012 but was still great at almost $6,500. It wasn't a great month for expenses but considering how much I went over budget on a few areas I'm happy that...
- Income Update - October 2012
October's spending was right in line with August and September which is good because it hasn't increased but it's still higher that where I would like for it to be. I was hoping to be able to get my spending down to the $1,300 mark but I...
- Income Update - September 2012
September was an okay month for my spending. I let my expenses creep up higher than where I would like but I was still lower than my average for the year so far. My minimum expenses for September ended the month at $1,422.25. This brought my average...
- Income Update - August 2012
August was a decent month for my spending with it being below my average so far for the year, but it was still higher than it should have been. My minimum expenses in August ended the month at $1,417.13. So far in 2012 my minimum expenses have averaged...