From 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%.