It’s not as bad as it looks I promise. Well, okay it’s pretty bad, but I have some excuses. December was an expensive month for me with Christmas travel, presents, and oh yeah, getting engaged. I had a rare occurrence last month… I spent more than I made (Bad ninja, very bad ninja). Here’s the spending breakdown…
Blog: Oh Em Gee!!!! I can’t believe I can make money writing about whatever the eff I want. I still haven’t really attempted to monetize PDITF because I don’t want to become an advertising whore, but the cash flow sure doesn’t hurt. Right now my sole blogging focus is on not sucking.
Salary: My take home pay from the day job. I’m getting really really antsy for my $12,000 February pay raise! In the meantime, I’ll have a few more $1,350 bi-weekly checks coming my way.
Gift: Grandma Ninja is a baller and hooked it up with a little Xmas money cash flow. If any of you are feeling generous just let me know and I will gladly take your money
Tutoring: I remember now why I love tutoring, It puts a couple hundred dollars in my checking account each month. In 2008 I made $11,000 tutoring, 2009 made $4,000, and this year I hope to make about $5,000. It’s the easiest money I’ve ever made. In fact, just last night I made $50 for one hour of Pre-Calculus. I knew pre-calc would come in handy at some point!
Auto: I spent $70 last month on gas and $76 on a AAA roadside assistant/renters insurance plan.
Camera: I got a fun toy for Xmas, the Canon Rebel XSi digital SLR. I had to buy a case and memory card for it. I foresee this photography thing being a very expensive habit, so I will try my best to temper my impulse spending here.
Dining/Groceries: Holy Jamoley! I spent $220 on dining out last month. I try to spend under $100 each month eating out, but I blew it last month. It’s actually not as bad as it looks because $120 was for Pizza for my surprise engagement party, and another $50 was on lunch with Girl Ninja and her parents right after I proposed. Still though, seeing over $350 in this category makes me want to throw up all my food and then re-eat it (hey, that’s recycling right?).
Interest expense: Ummm yeah, about that student loan of mine. I have been making only minimum payments on this pesky loan for the last month and a half. With a wedding and honeymoon pending I’m stockpiling cash, but will most likely revert back to making $1,000-$2,000 monthly payments.
Misc: As the category alludes, this is a miscellaneous category for all the random one time purchases that don’t really fit anywhere else. The majority of this expense is the setting for Girl Ninja’s engagement ring. I bought the diamond in June and the setting in December so it helped split the total cost over a six month chunk of time. If ya missed it last month, here’s another look at the Ring…
Reimbursement: Since I work from home, my internet bill is reimbursed ($40/month x 2moths, plus a parking reimbursement). Working from home is quite convenient, you all should try it :p
The other categories were too unimportant or self explanatory so that is why I didn’t cover them. The overall total at the bottom is the cash I had leftover after all my expenses. As you can see, I didn’t do too hot on the overall total… -$514, to be exact. I can’t say I’m surprised by this because it is all the result of an engagement. What can I say, you women are EXPENSIVE (but worth every penny….usually). January’s spending report should be much more normal.
* Are you wondering why I post the previous month’s expenses a couple weeks late? I use quicken to track my spending and I have to wait until the end of the billing cycle before I can download these transactions. I know I could manually add each expense as it comes, but I am entirely too lazy for that. Thanks for checking in and if you got any comments, tips, or advice I’d be more than happy to hear it. *