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Tally is in for November

December 2nd, 2006 at 02:20 am

I did ok for the month of November other than eating out and clothing, I did a little better:

Category 11/1/2006 -11/30/2006

Income Categories
Wages & Salary 2,076.40
Refund 23.97
Income/Interest 0.52
Income - Unassigned 1.61
Total Income Categories 2,102.50

Expense Categories
Taxes 345.47
Sales Tax 19.31
Personal Care 69.58
Miscellaneous 224.38
Loan 40
Leisure 14.5
Job Expense 2.19
Insurance
Household 9.08
Healthcare 32.03
Groceries 153.34
Gifts 24.17
Expense - Unassigned 115.77
Education 5.66
Dining Out 106.28
Clothing 223.26
Charitable Donations 40
Bills 495.02
Bank Charges 35.68
Automobile 108.92
Total Expense Categories 2,064.64

Grand Total 37.86

1 Responses to “Tally is in for November”

  1. Jay Dorsey Says:
    1165379578

    I'm curious about the following:

    Personal Care 69.58
    Seems like a lot for "Personal Care". Is this for a haircut? I know female haircuts can cost a bundle. Men's cuts aren't too cheap either in some places ($15 for a cut). I assume because you have "Household" and "Health Care" as separate categories, this isn't hygiene items like shampoo, conditioner, etc. Can't imagine what else was bundled under "Personal Care"

    Miscellaneous 224.38
    Quite a bit of miscellaneous expenditures. Maybe you could look into narrowing this down a bit and adding some more categories to your expenses. I know when I added a "Convenience" category to my expenses I realized how much money I was blowing on convenience items, like buying a candy bar and bottled water at a gas station.

    Expense - Unassigned 115.77
    Again, can these be put into a category?

    Dining Out 106.28
    Notice you spent almost as much dining out as you did on groceries. How many times did you get to eat out?

    Clothing 223.26
    Unless this is some type of annual budget for clothes, this seems like a lot to spend on clothes for a month. Maybe not necessarily for a woman to spend, but certainly for someone working aggressively towards paying his or her bills.

    Bank Charges 35.68
    Overdraft fees, or late fees? Is this something that could have been avoided?

    I'm an occasional follower of your blog, so I only kinda know what you've got going on for financial plans and setbacks and such. Seems to me if you had cut your clothing, eating out, and miscellaneous/unassigned charges all just by HALF, you'd have your $300 balance card paid off, plus some cash in your pocket.

    Keep on plugging away at it and you'll get there soon enough.

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