I have made it through another month covering all of the planned investments (457) and extra mortgage payments. I also invested a good amount that was end of the year bonus money from work (actually, unused sick time) and some other savings.
Part of my savings strategy is to take things like tax returns and save them, so that will be coming in soon. I also budget based on four weeks of income per month, so months with five Fridays are bonus income that I save.
I set up a savings account for health care, so it does not come out of the monthly cash anymore, and this account should be replenished each year by proceeds from the health savings plan (tax free).
Drove the car two times. Paid a car payment and insurance in the amount of 467.33 for the luxury of parking a car in my driveway for a month. :(
Continued eating low cost dinners about 5 out of 7 days a week, usually tacos with beans, rice, cabbage and tomatoes for dinner.
Cooked in bulk twice, each time making 12 servings of beans and rice and freezing them.
Baked whole wheat/rye bread twice, for about half of my lunch sandwiches.
Bought 20 lbs of pinto beans, and 25lbs of brown rice, plus some other bulk food.
Dropped my laptop, it is acting funny.
Went out for dinner too many times. I don't feel good after I eat restaurant food and it costs way too much.
Disagreements with DW about money.
I have been trying to work out how much food I eat, how much it costs and how much of it I would need to buy to have a years supply. I have my breakfast worked out. I have eaten muesli with dried milk for breakfast for many years.
Put a few spoons of Nido dry milk in a mug, add a couple teaspoons roasted/salted sunflower seeds, and a few handfuls raisins. Add water and mix. Add oatmeal to fill mug (less than a quarter cup). Mix and eat. As you can tell, I don't really measure that carefully. I have been looking at how much of the ingredients I use between refills of the container and have worked out the following for one person:
Nido: 1.3 oz/day, $0.33 $/day, 30.8 lbs/year, $121.44 $/year
S. seeds: 1.1 oz/day, $0.15 $/day, 25.3 lbs/year, $55.64 $/year
Raisins: 2.4 oz/day, $0.29 $/day, 54.6 lbs/year, $106.48 $/year
Oats:3.3 oz/day, $0.19 $/day, 76.4 lbs/year, $68.8 $/year
Total: 8.2 oz/day, $0.97 $/day, 187.1 lbs/year, $352.35 $/year
So I estimate roughly $30 a month and $360 a year for breakfast for one person who tends to eat a lot. This is buying ingredients in 5lbs amounts, not the big 50lb bags, although it may be worth it to buy oats and raisins in 50 lb amounts if there is a discount.
So the good news for this month: put about $3,600 into investment accounts. Stayed on target with savings and extra mortgage payoff, continued to eat low cost food.
Bad news, was not able to reduce expenses, increased spousal resistance.