Income/Expenses – June 2016

From my recurring income series; Our net savings / spending numbers for June 2016:

We had our usual rental income and received 3 paychecks each, so a lot of income.   With our reasonable spending we hit a total savings rate of 88%.
That is an all time high!  Hopefully we can move more in that direction going forward.  We’ve seen a good trend of income steadily rising while spending has been flat.  Then hopefully in a few years the house will be paid off, although only about 2/3 of that “Home” spending is the interest payment I count as an expense, taxes and insurance won’t go away.

Income will be back to average in July due to 2 paychecks, and spending low to average, so I’ll set a saving goal of 80%.

Income/Expenses – May 2016

From my recurring income series; Our net savings / spending numbers for May 2016:

We had our usual rental income and received 2 paychecks each.   With our reasonable spending we hit a total savings rate of 79%.  Income will be high in June due to 3 paychecks, and spending around average with maybe some later summer travel bookings built in, so I’ll set a saving goal of 80%.

Income/Expenses – Apr 2016

From my recurring income series; Our net savings / spending numbers for April 2016:

Spending was a big high, nothing really to report.  Spending pie looks as follows:  37% home, food/dining at 26%, then “shopping” 27%.  Bills were 8%, entertainment 12%, shopping 8%, other 3%, gifts/donations 6%.

 

We had our usual rental income and received 2 paychecks each.   With our reasonable spending we hit a total savings rate of 75%.  That’s just at our goal from February.  Income will be average in May, and spending around average to low maybe, so I’ll set a saving goal of 75%.

Income/Expenses – Mar 2016

From my recurring income series; Our net savings / spending numbers for March 2016:

Spending was a big high, nothing really to report.  Spending pie looks as follows:  37% home, food/dining at 22%, then “shopping” 27%.  Bills were 10%, entertainment 7%, auto 4%, gifts/donations 3%.

 

We had our usual rental income and received 2 paychecks each.   With our reasonable spending we hit a total savings rate of 77%.  That’s just above our goal from February.  Income will be average in April, and spending around average, so I’ll set a saving goal of 75%.

Income/Expenses – Feb 2016

From my recurring income series; Our net savings / spending numbers for February 2016:

Spending was pretty decent, nothing really to report.  Spending pie looks as follows:  44% home, food/dining at 20%, then the auto at 8%.  “Health and fitness” for a doctor visit in January at 8%.  Bills were 12%, gifts/donations 5%, other 4%.

We had our usual rental income and received 2 paychecks each, but had a lot of extra income – a bonus each, plus a tax return.   With our reasonable spending we hit a total savings rate of 82%.  That’s just above our goal from January.  Income will be back to normal in March, and spending on the average-ish side, so I’ll set a saving goal of 75%.

Income/Expenses – Jan 2016

From my recurring income series; Our net savings / spending numbers for January 2016:

Spending was high high high.  Mostly for skiing, a ski trip, and a new kit for myself.  New board and bindings were pretty spendy, but the old set was over 12 years old and badly worn, I’d been shopping around the last few years. Also had an annual HOA payment and got major regular service on the car to keep it running smooth.

Spending pie looks as follows:  32% home, 17% shopping (that snowboard).  Food/dining at 17%, then the car at 11%.  Travel, “health and fitness” (snowboard tickets), and then bills came in at 7% each.  Bills were extra high due to a cold month, and we’ve used our roommate and pet as an excuse to run the house a bit warmer more often, when we used to use space heaters locally.

We had our usual rental income and received 2 paychecks each, so average income.   With our high spending we hit a total savings rate of 63%.  That’s far off at our goal from December, I hadn’t accounted well for some major expenses and hadn’t exactly planned for my new board.   Income will be a bit higher in February due to bonuses, and I expect we’ll be able to keep spending back down, so for February I’ll set a saving goal of 80%.

Income/Expenses – Dec 2015

From my recurring income series; Our net savings / spending numbers for December 2015:

Spending came in right at our year’s average (discounting major one time purchases), which was good, but I had been hoping for better…  The spending pie was heavily weighted to food and home as usual – at 25% and 37% of our total spending respectively.  Bills came in third at 11%, while general shopping was 9%.  Auto, travel, and health each registered at 4% of the budget, and then everything else was the remaining 6%, including some theater tickets and some gifts, although we bought most Christmas gifts earlier in the year.

We had our usual rental income and received 3 paychecks each, so big time pay month.   With our average spending we hit a total savings rate of 84%.  That’s right about at our goal from November.   Income will be back to normal in January, and I expect we’ll be able to keep spending around average, trying to knock our 2016 average down 10% or more from 2015.  So for January I’ll set a saving goal of 75%.

Income/Expenses – Nov 2015

From my recurring income series; Our net savings / spending numbers for November 2015:

Spending came in nicely below our average.  The spending pie was heavily weighted to food and home as usual – at 31% and 44% of our total spending respectively.  Everything else was kept in pretty good check.

We received a little rental income and received 2 paychecks each.   With our reasonable spending we hit a total savings rate of 80%.  Amazingly that’s right on our goal from October.   Income will be much higher in December with three paychecks each, and I expect we’ll be able to keep spending around average.  So for December I’ll set a saving goal of 85%.

Income/Expenses – Oct 2015

From my recurring income series; Our net savings / spending numbers for October 2015:

Spending came in well below our average, mostly because our average has gotten so high…  The spending pie was heavily weighted to food and home, hitting at 32% and 41% of our total spending respectively.  Everything else was kept in pretty good check.

We received a little rental income and received 2 paychecks each.   With our reasonable spending we hit a total savings rate of 73%. That’s right about our goal of 75%, so good deal 🙂    Income will start to get higher in November due to some overtime, and I expect we’ll be able to keep spending in check pretty well.  So for November I’ll set a bit of a stretch saving goal of 80%.  We’ll see.

Income/Expenses – Sept 2015

From my recurring income series; Our net savings / spending numbers for September 2015:

September spending came in a bit above our average, primarily due to a big vacation.  The spending pie was heavily weighted to food and travel at about 24% of the spending each.  We actually traveled much more frugally than I thought we might have.  Then the home did hold it’s own to remain atop the list at 29% of total spending  accounting for interest on the loan, property tax, and insurance.  Then entertainment (really more travel expenses) accounted for 8%, followed by bills, transport, and “other” at about 5% each.

We received a little rental income in September for some AirBnB guests, and received 2 paychecks each, along with a little bonus.  With our reasonable spending we hit a total savings rate of 62%. That’s actually quite a bit better than our goal of 50%, although that is mostly due to bad estimating of trip expenses.    Income will be mostly steady in October, possibly a little extra rental income, and I expect we’ll be able to keep spending in check mostly.   Therefore for October I’ll set a bit of a stretch saving goal of 75%.  We’ll see what comes up 😉