Now this is just my spending for the month of February by debit card, cash or check. Yes, I know it is very high. I want to look it in the eye. It doesn't include our mortgage, health insurance, car insurance, child care or family prescriptions, which add up to a lot.
Dan does grocery shopping, coffee drinking and gas-tank filling, too, with the card in his wallet. He does not spend frivolously, but is generous. [He booked our wedding anniversary overnight splurge in NYC; he even had the bus tickets, so I didn't list those here.]
I would love to get some feedback--where can you trim spending, or are you pretty frugal and sensible already?
Being a trend watcher and shopper at heart, there's a part of me that would like to tell you about luxury items I love that would quickly add up. I have not purchased the wants below. I'm listing them here in a feeble effort to justify how easily it would be to spend $2,800 on...nothing necessary, but everything beautiful.
- Hermès Twilly silk scarf. $170.
- Something from trendy Alice + Olivia brand, preferably a sweater, and I don't even know if the size L would fit me on top, $300+.
- Sleek tights, bottoms and shapewear from Commando, $300+.
- Trip to Bermuda, just because it's on my bucket list and I've never been. JetBlue says $102 one way today, so $250 round trip with fees, plus let's say $2,000 for 5 nights hotel, food/high tea [I hear everything is pricey there] and shopping? $2,250.
BREAKING IT DOWN
The 7 categories in green, below, add up to $2,805.68. I must have left some numbers dangling somewhere....for instance, a $50 co-pay at the dermatologist, but this gives me a good view.
- I see that beauty products and jewelry jack up the spend. No surprise there. [In February, I didn't buy shoes, and bought only one item of clothing.] The beauty salon category for March will be high, because I get my hair cut every three months and tomorrow is the day.
- I see how Kings and Whole Foods are big-ticket places, though I have been good about getting what's on sale at Kings.
- I already know I spend a lot feeding Punch outside the home--as I mentioned, her ADHD meds suppress her appetite on schooldays, so she is often hungry when we are together in town, such as after her weekly therapy appointment. I like her to eat when she is hungry. Frequently, a friend of hers is with us. I can find a way to trim here, but....we are pressed for time, or I'm too tired to cook before 7 p.m. gymnastics, etc.
- That Starbucks app is dangerous, the way they dangle rewards, etc. And I don't even like the coffee. I tend to get Punch food or drinks there.
- I think I can trim all four bullets listed above. But I stand by my spends at Joyist, because everything is healthy and organic, tips are included in all prices, and after 9 punches on your card, your 10th item [anything on the menu] is free.
WHOLE FOODS: $346.02.
CVS, milk, cereal, dried fruit, nuts, etc.: $129.24.
2. FOOD AND DRINK OUTSIDE THE HOME, OR DELIVERED
[SUBTOTALS BELOW], $359.44.
STARBUCKS [APP]: $38.27.
DINING OUT, ME, INCLUDING JOYIST: $165.89.
COFFEE, IN ADDITION TO STARBUCKS: $73.94.
BAKERIES + SNACKS: $41.32.
PIZZA DELIVERY: $42.17.
3. PUNCHY [SUBTOTALS BELOW], $363.47.
GYMNASTICS AND SOCCER CLOTHING FOR PUNCH: $99.97.
FEEDING PUNCH + PALS [SOMETIMES W. ME + FIG] AWAY FROM HOME: $263.50.
4. BEAUTY/STYLE [SUBTOTALS BELOW], $588.23.
BEAUTY SALON FOR PUNCH + ME: $185.
HIGH-END BEAUTY PRODUCTS: $189.99.
5. DONATIONS [SUBTOTALS BELOW], $165.50.
CHARITABLE DONATIONS: $104.
SCHOOL FUNDRAISERS: $61.50.
6. CARDS & GIFTS [SUBTOTALS BELOW], $225.89.
GIFTS, mostly gift cards: $161.
HALLMARK CARDS: $64.89.
CAR REPAIR/MAINTENANCE: $25.
PARKING FEES + TICKETS: $37.70.
BUS TO NYC/UBER IN TOWN: $34.93.
MAGAZINES: ABOUT $32. [Eating Well special issue; LIFE Mary Poppins special issue; small Taste of Home slow cooker magazine]
READING GLASSES/PEEPERS BRAND: $25.59.
- Hot bath.
- Walked around NYC, and enjoyed it, as always. [Was in town to meet Sis at NYU Langone; she had a mammo-related procedure. I pray all is well; I think it is.]
- Arranged to have Elaine get Punch off schoolbus so that I could be there for my Sis.
- Cuban coffee; that tasted good.
|Wow, so glad I found this in NYC. It is 10 cents less on Amazon--$9.89--but|
the shipping is $16.50!
- Round trip bus from my corner to NYC, two tickets from ten-trip pack, $13.90.
- Biggest rip-off. I think I paid $6.49 for a single slice of pizza w topping in the Port Authority! Captive audience waiting for Greyhounds, etc. I wanted to eat lunch before walking to East Side around 2 p.m. All I could think is, maybe they charge so much because their rent must be superhigh with that large space. $6.49.
- Cuban coffee, $4.
- Grand Central Market after I walked Sis to her train. I love that market. Murray's, big 24-oz bag granola, $9.99; 8-oz. jar Velvet Bees honey butter, $9.99; and blackberry jam parfait with plain yogurt, $5.99=$25.97. Eli Zabar Bread, 12-oz bag of 8 small brioche rolls, $7.50; and two raisin pecan rolls, $1.95 each=$11.40. Total, $37.37.