My Frugal Miser - June Expenses: $4,513

June is the first month in a long time where I spent more than I made. Fortunately the difference wasn't too great. The reason this happened is I paid property insurance in June: I paid over $4,000 in June for insurance.






June Expenses

$659 Auto ($141 for service, $92 for fuel, $273 Depreciation, $153 for speeding ticket)
$14 Clothing
$128 Food (both groceries and eating out)
$65 Entertainment (movies, gambling, alcohol)
$0 Home Repair
$648 Household (pest control, fire dues, cleaning supplies, etc.)
$107 Health Insurance
$660 Homeowner's Insurance (annual expense)
$30 Medical
$0 Vacation
$294 Interest on Debt (not including Mortgage Interest)
$0 Miscellaneous
$444 Mortgage Interest (primary residence)
$830 Mortgage Interest (rental properties)
$0 Personal Care
$135 Taxes
$214 Utilities

Total June Expenses : $4,513

Notes

• Thanks to mystery shopping, I only spent $92 for fuel.
  
• I separate my mortgage interest by personal residence versus rental properties. I think this is an important distinction: the personal residence interest is an expense I should exercise control over moving forward when looking at ways to be frugal; the other is an expense that generates income.
• The $153 for the traffic ticket represents court costs and driving school. The ticket was dismissed.
  
• The household expense was higher than normal. I bought a couch at IKEA (no more sitting on the floor!), purchased some Free With WorkPlace Rewards products from Office Depot, and bought a few things I'd been putting off like belts for my vacuum cleaner.