Money spent in 2021
Posted 01-15-2022 at 07:57 PM by TNSLPPTSO13
I don't dare post this in the Personal Finance Forums..I will need an asbestos suit for all the flames I would get...considering my admissions of high debt;past mistakes and inability/willingness
to resolve things...I guess I'm not/will ever be "gazelle intense"...and frankly at this point in my life I don't really care to get out of this situation.
I'm just too tired and depressed.
Anyway,I've been tracking my expenses since 2011...Every month I keep a log of everything
I spend or get billed for(Like the interest on my debt),and then I add up everything month by month:
So here it is;with explanations where needed;
for the entire year 2021:
1)Debt reduction(This is for debt other than credit cards...loan taken without a particular purpose and proceeds spent on things listed elsewhere here.(I can't really explain it better).
Whatever I spent on credit cards is listed in the Individual categories here........$7838.
2)Florida Lottery(After deducting the few and far between small cash wins)........$2017.
3)Food(I NEVER eat out...rarely buy fast food/
cooked food/delivery,etc...Just edibles...I do eat extremely healthy...Not really a whole lot of flesh either...Fruits and veggies are expensive.I just don't accept those that claim that they spend
so little for food in the forums...Are they eating literally just rice and beans?..........$6158
4)House Stuff...........................$ 338
This is laundry stuff...paper products,I think I bought a kitchen appliance,vacuum cleaner,Etc,
5)Pets..My beautiful Kitty...........$ 422
6)Personal/Hygiene Items..........$ 490
Cologne,Deodorant,TP,Other Stuff.
7)Miscellaneus..........................$1164
($900 of this was that I had to reimburse my neighbor for hitting his car while pulling out of the parking lot...the rest is mostly for haircuts
and tips to barber,postage stamps,etc.)
8)Car lease/Maintenance/Repairs $3645
(Lease pmt. is $279./month)
9)Gasoline.................................$ 377
(I rarely leave my apartment and my job is 3.5 miles from home)
10)Internet/Phone Line.................$561
(Comcast is the only game in town)
11)Electricity................................$660
12)Rent.......................................$144 00
(2 Bd/2Bath..Extremely cheap by Miami standards)
13)Interest billed on my debt..........$13909
This one hurts...Almost as much as my rent..
This is why I'll never be out of debt...
14)Entertainment & Stuff................$5807
(This includes appx. $1400 in Subscription..You Tube TV...Shudder...AmazonPrime..Netflix...Digital newpaper...other)
The rest was spent on Records.BluRays,some audio/video equipment...This is one for which I don't dare to post in the forums)
15)Gambling at Casino...................$3202
(This is the other one..only reason I ever leave the house other than work/grocery/pharmacy)
So that's over $11k in undisciplined spending...I could have paid off one or two of my cards...but I didn't)
16)Vitamins/Supplements...............$871
17)Doctor/Meds/Deductibles/Co-Payments/Diabetic
test strips/Other Medical related $6089
Had cataract surgery last year,had to pay $2250 deductibles...contact lenses plus spares.
18)Gifts.........................................$ 58
Halloween candy and some Lunches for co-workers.
19)Bank Fees.................................$72
Had to do 2 stop payments for lost cks.
20)AAA Membership........................$94
21)Clothing/Accesories....................$308
22)Charity......................................$3 97
23)Auto Insurance...........................$561
For six months...Last Half was paid Jan 2022
24)Addtl Income Tax.......................($791)
Got a refund,so negative amount.
All these add up to $69,369
For 2021 my take-home pay(my only source of income) was $69,977.
I think this is what Ramsey says is -0- based budgeting?
Oh Well...I'm old,tired.alone and still broke.
to resolve things...I guess I'm not/will ever be "gazelle intense"...and frankly at this point in my life I don't really care to get out of this situation.
I'm just too tired and depressed.
Anyway,I've been tracking my expenses since 2011...Every month I keep a log of everything
I spend or get billed for(Like the interest on my debt),and then I add up everything month by month:
So here it is;with explanations where needed;
for the entire year 2021:
1)Debt reduction(This is for debt other than credit cards...loan taken without a particular purpose and proceeds spent on things listed elsewhere here.(I can't really explain it better).
Whatever I spent on credit cards is listed in the Individual categories here........$7838.
2)Florida Lottery(After deducting the few and far between small cash wins)........$2017.
3)Food(I NEVER eat out...rarely buy fast food/
cooked food/delivery,etc...Just edibles...I do eat extremely healthy...Not really a whole lot of flesh either...Fruits and veggies are expensive.I just don't accept those that claim that they spend
so little for food in the forums...Are they eating literally just rice and beans?..........$6158
4)House Stuff...........................$ 338
This is laundry stuff...paper products,I think I bought a kitchen appliance,vacuum cleaner,Etc,
5)Pets..My beautiful Kitty...........$ 422
6)Personal/Hygiene Items..........$ 490
Cologne,Deodorant,TP,Other Stuff.
7)Miscellaneus..........................$1164
($900 of this was that I had to reimburse my neighbor for hitting his car while pulling out of the parking lot...the rest is mostly for haircuts
and tips to barber,postage stamps,etc.)
8)Car lease/Maintenance/Repairs $3645
(Lease pmt. is $279./month)
9)Gasoline.................................$ 377
(I rarely leave my apartment and my job is 3.5 miles from home)
10)Internet/Phone Line.................$561
(Comcast is the only game in town)
11)Electricity................................$660
12)Rent.......................................$144 00
(2 Bd/2Bath..Extremely cheap by Miami standards)
13)Interest billed on my debt..........$13909
This one hurts...Almost as much as my rent..
This is why I'll never be out of debt...
14)Entertainment & Stuff................$5807
(This includes appx. $1400 in Subscription..You Tube TV...Shudder...AmazonPrime..Netflix...Digital newpaper...other)
The rest was spent on Records.BluRays,some audio/video equipment...This is one for which I don't dare to post in the forums)
15)Gambling at Casino...................$3202
(This is the other one..only reason I ever leave the house other than work/grocery/pharmacy)
So that's over $11k in undisciplined spending...I could have paid off one or two of my cards...but I didn't)
16)Vitamins/Supplements...............$871
17)Doctor/Meds/Deductibles/Co-Payments/Diabetic
test strips/Other Medical related $6089
Had cataract surgery last year,had to pay $2250 deductibles...contact lenses plus spares.
18)Gifts.........................................$ 58
Halloween candy and some Lunches for co-workers.
19)Bank Fees.................................$72
Had to do 2 stop payments for lost cks.
20)AAA Membership........................$94
21)Clothing/Accesories....................$308
22)Charity......................................$3 97
23)Auto Insurance...........................$561
For six months...Last Half was paid Jan 2022
24)Addtl Income Tax.......................($791)
Got a refund,so negative amount.
All these add up to $69,369
For 2021 my take-home pay(my only source of income) was $69,977.
I think this is what Ramsey says is -0- based budgeting?
Oh Well...I'm old,tired.alone and still broke.
Total Comments 1
Comments
-
No flaming here from me.
Taking a brutal look at spending is a brave thing.
Reflecting on the areas where you spent funds to feed your choices of wants is also brave.
Thank you for speaking on your choice to gamble.
The Covid years greatly reduced my own spending on gambling.
Thankfully I was able to see for the first time how much I had been spending in prior years and how I felt it was my one thing I could do solo and to decompress from my very intense job. In 2020 I did a tracking of my expenses versus income and I retired in July of 2020.
The brutal truth was that my medical costs were too high fir my income.
I worked the fall on the Census.
I was eligible for unemployment and I banked it in savings and with the shut down and my poor health I was not able find additional work.
So I have been loosely following Dave Ramsey and cut expenses.
Thankfully only a year to Medicare eligibility.
Hang in there and keep revising your plan as you can.
Cheers.Posted 02-23-2022 at 10:53 PM by Poppins101
