Monthly Expenses: December 2009

January 24, 2010 · 9 comments

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…

My Income:

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!

My Expenses:

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. *

{ 9 comments }

1 Katie

Yesterday Mr. was whining about the 1-2oz. of gross, crumb filled milk I left in my cereal. I calculated it out and it came to about $.05 worth of milk. Meanwhile he was eating breakfast at work and spending $3-5. Obviously I'm the expensive one ;)

He's starting to work from home this week, which means no more buying an extra tank of gas a week, no more breakfasts at the cafeteria, subsidized internet, claiming our spare bedroom (his office) on our taxes…not to mention it will save him 1-2 hours in travel time.

(You've got excellent taste in rings and cameras, btw. I highly recommend getting a diffused flash ASAP though, unless you enjoy blinding people. Or you could be a cheapskate like me and just tape a piece of bubblewrap to the flash.)

2 girlmakescents

I've said it before, but holy pretty ring. I've gotta get my boyfriend to check out your page haha. I think it's okay that you went over in December. You seem pretty prepared for it with EF etc. December is a hard month for everyone. Christmas, and then you throw an engagement in on top of that. $514 over is not bad at all for all you accomplished!

3 MattyIce

$70 a month on Gas is not even realistic! I can no longer relate to you!

4 RainyDaySaver

Would love to work from home FT, but not feasible… yet. December was a very big exception for you, so it's understandable that you went over!

5 Ken

Congratulations on the engagement. I wish I had your gas budget. Good Luck in January.

6 Kyle C.

I also get to work from home and it does rock. Nothing beats rolling out of bed and into your desk for work. We get a yearly payment to cover "office expenses" like internet as opposed to a monthly reimbursement but it works for me to get that one lump sum. I was going to be paying for the internet anyway.

7 Aiza

I have the same camera… I'm having trouble reeling in those camera expenses because the most versatile lenses tend to be $$$. My gas budget is pretty minimal too.. since I fly every week I hardly have time to drive my own car at home :-P Keep blogging, Ninja. As long as you keep my thoughtful and entertained, I don't mind boosting your income just a little bit.

8 @chicagowanderer

Have you tried Mint.com to track your expenses? Mint downloads transactions from your varies credit card / checking / student loan websites about 2-3 days after a transaction happens. Plus, it's free. I switched from Microsoft Money about 3 months ago.

9 Jessica

Dear Ninja… have you written any posts about how you can get your blog to make $300 in a month? I don't think I've ever broke $50. I also work from home and love it–except when I'm procrastinating and the dishes need to be done. Can't beat it.

Excellent choice of a ring… at first when I saw the budget I thought "What the Hell is Ninja doing with a "misc" category like that??!!" Glad to see it was one planned purchase, not a Starbucks binge. ;-)

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