Welcome to my first edition of the Expense Chronicles. This is a monthly check up of my expenses and it is broken up into categories. Few things to note:
- We are a one car family so our gas and car insurance charges are all for our Toyota Prius C
- I do have complimentary breakfast and lunch at my work. If the food is really good that day I usually take a box to go for dinner. But on some occasions I bring my own lunch if I don’t feel like eating the food from work
- We mainly use credit cards for our purchases and pay it in full each month.
- Mother with Cents received a $100 gift card by doing a Google survey. Fortunately there is a Google building in downtown SF where MWC was able to take the survey. And put the card to action, which reflects the $0 spend on going out to eat
OK, here is what we spend in July. Check it out
|Expense Chronicles – July 2017 Edition|
|Car Insurance||$ 85.64|
|Restaurants/Fast Food||$ 0|
|Retail Shopping||$ 0|
|Mobile Phone||$ 85.00|
|Blog Payment||$ 61.88|
|Baby with Cents’ Hospital Fees||$ 45.00|
|Clipper Card (Public Transit)||$ 30.00|
Here is a breakdown of each category:
Rent – $1000
We lucked out getting a 1 bedroom apartment at this price five years ago right Mother with Cents and I got married. San Francisco is an expensive area to live and we very fortunate that we got a landlord that just wanted the apartment to be occupied and at that price too. He told us that as long as we get the rent payments on time, their are no complaints and keep the place nice he would not raise the rent. For the past five years we have done exactly that and the apartment has no structure issues. With our rent being low, we have taken advantage of it by saving up to buy a house during that whole time. We now have enough to make a good down payment amount and are currently looking for one outside of SF.
Electricity – $25.81
This is pretty much a standard amount for us. We do not have a microwave and use either our toaster oven or gas stove to heat food up.
Internet – $50
We definitely need internet and no cable. We used to get a monthly rate of $30 a month from Comcast up until a few months ago when the promotional plan expired. I could not get Comcast to keep it @ $30 so we will just deal with the $50 rate for now
Car Insurance – $85.64
Since we do not own a home yet, car insurance is our only monthly insurance payment. We go through MetroMile which charges by the mile. They give us a base rate of $43 then charge about $0.06 a mile. This is perfect for us since we do not drive an enormous amount of miles, usually 10 to 15 miles a day but we did drive to the east bay to my cousin’s place for a birthday party so that gave us a bit of an increase. We usually get a monthly charge in the low $80s
Gas – $61.96
We usually go to the pump about twice a month but we only went once in June and we ended up paying just over $20. This month balanced out by going to the gas station three times and it costs about $20 each time so this is pretty much standard. We go to Costco for our gas so it saves us compared to the other stations like Chevron and Shell. Also driving a Prius helps out too with MPG(miles per gallon) just over 40.
Groceries – $276.79
We usually go to Costco and Trader Joe’s for our groceries and we are satisfied with the prices with both stores. At Costco, we got milk and berries for Baby with Cents while the two of us got mainly groceries on sale. I have the Costco app and always look forward to what they have on sale for the month. Typically a few days before the monthly sale starts, Costco releases the sale items on their app and I got through it to see what we could get. Last month our main purchases were wontons and Honey Bunches of Oats cereal and we grab lots of quantities for each one since they were the sale items for July.
We also stocked up on baby wipes for BWC since it was on sale too. Other items we bought in Costco were a tub of organic yogurt, two loaves of bread and a variety pack of lunch meat for sandwiches.
For TJ’s, I bought greens for salad and sandwiches, a dozen eggs, carrots for BWC’s puree that he has for breakfast and chips to snack at home. I get the cheese puffs and they are really addicting. I lost count on how many bags I bought for them but I will try to cut down on to 2 bags in August. =/
Restaurants/Fast Food and Retail Shopping – $0 combined
We don’t go out to eat a lot so not spending anything on going out to eat is extra plus for us. We did go to In and Out Burger last weekend and used MWC’s gift card to grab the burgers. The only bad news, we got end pieces for our fries. Oh well, we can’t have all the glory.
We had the same type of spending on retail shopping. BWC received plenty of clothes from baby showers, hand me downs and his birthday so we don’t really need to shop for him for a while. He has an okay amount of books and toys but we buy more to add to his collection within the next month or two.
As for the two of us, we have a good amount of clothes to wear for work and going out and about so we do not really spend a lot in this category and $0 spending showed in July. However, in the beginning of August MWC bought some boots from Kohl’s so we won’t be seeing a $0 amount for the August report.
Mobile Phone – $85
I have a no contract plan with Boost mobile and pay $30 a month for unlimited talk, text, data if using wifi. For 4G LTE data, they limit me up to 2GB and the most I’ve used was close to 1 GB. I mainly use the wifi at home and the free one at work so the only time I’m on network data is when were out. We also pay for both my mother and father in-laws’ phone plan which is the same as mine as a courtesy for taking care of BWC during the work week. Boost gives me a $5 discount for going on their auto-reboost plan(monthly auto-pay) and that rounds out to $85. MWC uses her work mobile phone that has an unlimited plan across the board so luckily we do not need an expense for her phone.
Blog Payment – $61.88
My first and only payment for this blog until next year (unless I want to upgrade my plan).
Baby with Cents Hospital Fees – $45
We got a bill for BWC’s prescription from May that totaled $25. We also took BWC to the hospital for physical therapy for a $20 fee. He’s 16 months old and has not started to walk yet. Both of us(well mainly MWC) was very concerned of his lack of progress which is why we took him to see a PT and he gave us tips to motivate him to walk and techniques to make him confident to use his legs independently.
Amount we paid for the parking garage adjacent to BWC’s hospital for his appointment. Unfortunately there wasn’t any free street parking in the area.
Clipper Card (Public Transit) $30
I usually drive to work since I have a parking space but there were a couple days in July I had to take the streetcar to work because MWC had to use it during the day. The funds on my clipper card were getting low so I had to add more value to it when I scanned my card on the street car. I setup the card to add $30 when the funds are low.
So there you have it, my first expense chronicle is in the books. What do you think?