Income/Expenses – Jan 2016

Spending Pie Jan2016From 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 61%.  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%.

Self-Propelled Commute Report – Jan 2016

trek12From the recurring segment:  time to document my commuting progress for January.  I biked to work 8 of the 20 days I worked, for a  self-propelled rate of 40%, which is well below my goal of 75%, mostly nasty cold rainy weather.  I’ve got some volunteering and sports after work one day a week now, making biking a near impossible option, especially with rain, so I drove myself to work twice, and did carpool all 10 other times.

For February I’m planning to work about 20 days and my goal is to commute under my own power 15 of those days.  In January we drove a total of 1146 miles, a huge amount of which was for skiing and a ski trip.

2015 in Review

We saw a 2015 savings rate of 69%.  That is: (post tax pay – spending not including mortgage principle payment + 401k match) / (post tax pay).  We saw our net income go up just over $4k, but our spending was up just under $4k from 2014, so a wash, and not a good overall trend – but… some extenuating circumstances.

Here’s the review of our spending:

Category Spending Comments
Food and Dining 11999
   Groceries 3668
   Wine/Beer 1116
   Restaurants, Coffee Shop 7215 … yeah, need to eat in a bit more
Healthcare 4549
   Doctor Visits 110
   Health Insurance 624
   Dentist 264
Lasik 3427 big one time expense, seeming worth it about 1 year in now.
   Pharmacy 124
Auto and Transport 2540
   Gasoline 680 That’s pretty impressive, I hadn’t realized it was that low.
   Insurance 621 About as cheap as possible
   Registration & Testing 72
Bike Parts / Maintenance 716 Pretty expensive here, got more into commuting by bike, hit almost 75%, but 2 gatorskin tires, and liners for each of us, plus various maintenance
   Service & Parts 151 Very little work done here, mostly just oil changes I think
   Public Transportation / Parking 300
Home 20909
Mortgage Interest 11939 heading down fast due to principle paydown
Property Taxes 4632 heading up fast due to property values
Utilities + HOA 2810
   Home Goods / Furniture 389
   Home Insurance 672
Home Improvement / Landscaping 467
Misc 10704
Cell Phone 895
Internet Access 468
   Shoes & Clothing 332
   Sporting Goods 852
   Donations/Charity 1005 Going to keep trying to up this, probably double this year
Gifts 592
Travel 4823 End of our expensive 2014 year end trip, which also spilled into 2015.
   Shopping Misc 1737
Entertainment 3457
Sports Events 850
Theater 668
Gym / sports / runs 819 organized events are expensive, probably won’t cut down on this much though
Other 1120
Total 54158

 

Income/Expenses – Dec 2015

Spending Pie Dec2015From 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%.

Self-Propelled Commute Report – Dec 2015

trek12From the recurring segment:  time to document my commuting progress for December.  I biked to work 9 of the 17 days I worked, for a  self-propelled rate of 52%, below my goal of 76%.  Mostly just cold rainy days keeping me off the bike.  I never drove myself to work, so at least I did carpool all 8 times I didn’t ride in.

 

Now that the year of commuting is behind me I’m happy to report that of the 218 days I worked, I commuted 162 times under my own power – either biking or running.  That is a rate of 74%, ARGHHH!!!! so close to 75% self powered commuting.  I am equally happy though that I only drove myself to work a total of 7 times – that’s 3%.  The other 49 days, or 22+% was carpooling.

Looks like I didn’t document any particular commuting goals for the whole of 2015.  I’m going to set a 2016 goal of 75% self propelled commuting.

In January it looks like 20 days of work and my goal is to commute under my own power at least 15 of those days.   Think I’ve figured out the glove solution, now I need some rain solutions.  Mostly seems like the legs and feet that really bother me when they get too cold and wet, then biking home in soaking shoes is no fun…

Income/Expenses – Nov 2015

Spending Pie Oct2015From 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%.

Self-Propelled Commute Report – Nov 2015

trek12From the recurring segment:  time to document my commuting progress for November.  I biked to work 8 of the 18 days I worked, for a  self-propelled rate of 44%, which is significantly below my goal of 66%, but not for lack of want to.  I came down with a good cold, which when combined with an injury made the most sense to rest and recover.  I never drove myself to work, so at least I did carpool all 10 times I didn’t ride in.

For December I’m planning to work about 17 days and my goal is to commute under my own power at least 13 of those days.   Might be a bit cold out, but I’ve gotten used to it, and will continue to experiment with clothing to get it just right – mostly need to figure out a glove solution that blocks the wind but is dextrous enough,