Income/Expenses – July 2015

Spending Pie Jul2015From my recurring income series; Our net savings / spending numbers for July 2015:

July came in well below our average spending, with no major trips, and relatively restrained spending.   The spending pie was dominated by the home – mostly mortgage interest, property tax, and insurance – accounting for 47% of our spending.  Food followed at 25% of our spending, which at an absolute level was a good deal less than usual.  Managed to go out to eat much less than usual and use a few stacked up gift cards.  Then auto and transport accounted for 7%, followed by bills, health (a doctor appointment), and gifts/donation (wedding gift) each at about 6% of the pie, and general shopping at 4%.

We received some rental income in July, but 3 paychecks each along with our lower spending really made the difference for our savings rate.  Out total savings rate was… 87%, way surpassing our goal of 78%.    Income will go down in August, and spending is likely to tick up just a bit including gas for a camping trip or two and two triathlon registrations ($107 each!  ouch…).   For August I’ll set the saving goal at 70%.

Self-Propelled Commute Report – July 2015

trek12Last day of July so it’s time to document my commuting progress.  I biked or ran to work 20 of the 22 days I worked, for a PR of 91%.

This month I never drove myself in carpooled the other 2 commutes, so we did relatively well on car usage.  We filled up on gas a total of 2 time and drove 756 total miles, mostly due to visiting family.

For August I’m planning to work about 20 days and my goal is to commute under my own power at least 15 of those days.

Income/Expenses – June 2015

Spending Pie Jun2015From my recurring income series; Our net savings / spending numbers for June 2015:

Another average spending month.   Our home – mostly mortgage interest, property tax, and insurance – accounted for 36% of our spending (I don’t count my principle payment into spending).  Food followed at 27% of our spending, which was quite higher than we had wanted…  Then travel accounted for 9%, followed by bills, entertainment, gifts/donation, shopping, and “other” (including gas) each at about 5% of the pie.

We received some rental income in June, but overall a lower income month with only 2 paychecks each.  Out total savings rate was… 68%.  Income will be much higher in July with 3 paychecks each, and spending is likely to be about average, probably not many expensive activities, but we are going to do a bit more driving than usual to visit family.  I’ll set the saving goal at 78%.

Self-Propelled Commute Report – June 2015

trek12June’s in the past so now I can document my commuting progress.  I biked or ran to work 14.5 of the 18 days I worked, for a rate of 81%.

This month I never drove myself in carpooled the other 3.5 commutes, so we did well on car usage.  We filled up on gas a total of 1 time and drove 456 total miles.

For July I’m planning to work about 21 days and my goal is to commute under my own power at least 16 of those days.

Income/Expenses – May 2015

Spending Pie May2015From my recurring income series; Our net savings / spending numbers for May 2015:

Another very average spending month.   Our home – mostly mortgage interest, property tax, and insurance – accounted for 37% of our spending (I don’t count my principle payment into spending).  Food followed at 25% of our spending, which really got hammered as we paid for a couple expensive meals.  Then general shopping was at 12% followed by entertainment (pre-paid football tickets) at 10%.  Bills accounted for 7% of the spending, and lastly Health & Fitness, Auto & Transport, and Gifts & Donations with a couple percentage each.

We saw a small bonus and some rent in May, which we won’t see in June.  Income will therefore go down and spending is likely to be higher due to a cross country wedding trip (although we did use free card bonus airline miles to purchase the tickets).  This month we hit a savings rate of 76%!.  I’ll set the saving goal at 66% for June.

Self-Propelled Commute Report – May 2015

trek12Another month in the books, May commutes have finished so I can officially document my commuting progress.  I biked or ran to work 16.5 of the 19 days I worked, for a rate of 87%.

This month I only drove myself in once and carpooled the other 1.5 commutes, so we did well on car usage.  We filled up on gas a total of 2 times and drove 749 total miles.  Pushed through many mornings with sore legs to complete bike to work month with one of my best months yet.

For June I’m planning to work about 19 days and my goal is to commute under my own power at least 15 of those days.

Self-Propelled Commute Report – April 2015

trek12Another month in the books, April has finished so I can officially document my commuting progress.  I biked or ran to work 12 of the 20 days I worked, for a rate of 60%.  It’s been about a year since I got serious about biking in, and I’ve been sprinkling in a few runs over the last few months.  Last April I biked 41% in the first month I really tried, and over the April/May week I biked in to work every day for the first time in my life – it’s the anniversary of quite a milestone.

This month I only drove myself in once and carpooled the other seven times, so we did well on car usage.  We filled up on gas a total of 3 times (first time in 6 months for our rarely used SUV) and drove approximately 590 total miles.  I’m going to blame a lot of the carpooling on rain… although, as usual, many of those days passed and I could have easily biked.

For May I’m planning to work about 19 days and my goal is to commute under my own power at least 15 of those days (it is bike to work month after all).