My Frugal Miser - October Expenses: $3,323

October was reasonable for personal expenses.  Nearly half of the expenses I reported are non-cash depreciation of my 2015 Hyundai Sonata.  I expense $.24/mile driven until I have completely expensed the cost of the car.  Making deliveries for Amazon puts a lot of miles on my car.

I continued to benefit from the Shell Fuel Rewards cards I purchased on Groupon.  I will most likely burn through the remaining balance in November and then my gas expense will go up.

Food was also on the high side.  Amazon had a fall clearance sale and I stocked up on quite a few things.  We also had a couple of expensive restaurant meals to celebrate my partner's birthday.

October Expenses:  $3,323

$2,060 Auto ($13 gas, $288 repairs/maintenance, $1,412 depreciation, $136 AAA dues, $211 fines)

$0 Bank Fees
$75 Clothing

$0 Computer

$168 Entertainment (movies, gambling, alcohol)

$388 Food

$0 Gifts Given

$0 Household/Housing/Home Repair

$52 Health and Dental Insurance

$0 Investment Expense
$264 Interest Expense*

$0 Medical/Dental

$0 Miscellaneous

$3 Personal Care

$13 Subscriptions

$0 Taxes
$135 Sharing Economy Expenses (dedicated phone, tolls, car washes, etc.)

$167 Utilities

$0 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 October, I paid $194 to E*Trade for "hard to borrow" interest on a short sale of Sears Holdings stock.