My Frugal Miser - June Expenses: $4,417

Overall June was a frugal month.  I bought $2,500 in Carnival gift cards to redeem on our cruise next month, so my actual spending in June was only $1,917.  Almost half of that was the annual premium for my homeowner's insurance.   Food expense was low, but not because I was consuming the Nutrisystem food I bought in May:  those items are sitting in a drawer as I haven't started the diet yet.

June Expenses:  $4,417

$461 Auto ($81 gas, $0 repairs/maintenance, $380 depreciation)

$0 Bank Fees

$7 Clothing

$0 Computer

$46 Entertainment (movies, gambling, alcohol)

$140 Food

$0 Gifts Given
$867 Homeowner's Insurance (12 months)

$0 Household/Housing/Home Repair

$52 Health and Dental Insurance

$0 Investment Expense
$167 Interest Expense*

$0 Medical/Dental

$2 Miscellaneous

$0 Personal Care

$0 Subscriptions

$0 Taxes
$64 Uber/Lyft Expenses (excluding fuel and depreciation)

$119 Utilities

$2,500 Vacation

*Interest expense includes student loans and the loan on my car.  As both rates are below 2%, I am completely comfortable paying the interest each month and investing the money that I would otherwise use to pay off these loans.  In June I paid $124 to E*Trade for "hard to borrow" interest on a short sale of Sears Holdings stock.