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My 2018 Spending

12 Jan

I’ve been meaning to get around to this post for a while now, but since it’s still January I think it’s relevant.  I’m going to go over the percentages of my income that I spent, saved, and invested in 2018 and which categories I spent my money on.

In case you haven’t read my recent post titled Shopping Ban 2019 I’ve decided to only purchase essentials in 2019.  One of my major impulse buy categories has been yarn, knitting patterns, and other crafty items because they bring me so much joy.  My goal in 2019 is not to have impulse buys on anything, but especially on craft supplies…but more on that in a later post.  Go back and read about my 2019 shopping ban for more.

I have a post called How I Track My Spending which is how I’m easily about to compile these numbers and data.  I love the app and the insights it gives me.

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Ok, now for the nitty gritty! Here’s where I spent my money in 2018 (in percentages):

  • Mortgage 23.52%
  • Savings 13.57%
  • Extra House Payments (all to the principle) 7.36%
  • Independent Investments 7.36%
  • Vacation 6.79%
  • Eating Out 5.14%
  • Groceries 4.4%
  • Yarn 2.87%
  • Gifts 2.42%
  • Phone 2.2%
  • Water Bill 2.18%
  • Dogs 2.14%
  • Beachbody/Fitness 2.14%
  • Spinning 1.64%
  • Fuel 1.58%
  • Home 1.45%
  • Internet 1.2%
  • Miscellaneous Shopping 1.18%
  • Car Insurance 1.17%
  • Car Maintenance 1.1%
  • Cash Withdrawals 1.08%
  • Medications 0.96%
  • Knitting Patterns & Supplies (not yarn) 0.86%
  • Work 0.79%
  • Natural Gas 0.77%
  • Craft Supplies (other than knitting) 0.75%
  • Clothes 0.72%
  • Electricity 0.69%
  • Beauty 0.55%
  • Tax Preparations 0.51%
  • Entertainment 0.5%
  • Books 0.13%
  • Contacts 0.07%
  • Coffee 0.07%
  • Chiropractor 0.05%
  • Netflix 0.04%
  • Life Insurance 0.02
  • PrepDish (meal planning service) 0.02%
  • Fitbit 0.01%

Looking at my percentages overall I am pretty happy with mosts things, but I know I can do better going forward.

When I look at the yarn, spinning fiber, spinning wheel, knitting patterns, and all the other crafty things I bought in 2018 it adds up to 6.12% of my income for the year.  That is slightly less money than our 10 day vacation to an all-inclusive resort in Mexico cost.  I’m not saying I won’t buy knitting and crafting supplies in the future, but I know I definitely want to use up a lot of what I already have and plan my purchases to be much more intentional.  I keep reminding myself that there will always be pretty yarn, and I do not NEED all the pretty yarn.

With my clothing being less than 1% of my income you can believe me when I say I do not like shopping for clothes AT ALL!  Never-the-less, I actually do have to wear clothes.

One of the biggest areas I hope to see a drastic change in for 2019 is my eating out budget going WAY down.  We have already been using PrepDish (a meal planning service) since September 2018.  I was able to pay for a full year upfront and will probably continue to reuse this years meal plans into the future, meaning it will be a one-time expense.  Eating more vegetables and healthy foods cooked at home, knowing exactly what goes into everything, has really made me feel so much better about what I’m eating.  I do still love a good meal out though.

Most importantly I want my savings, investments, and extra house payment percentages to all go up this year!  This girls got goals!

What are you guys doing to reach your goals?  Did you track your spending in 2018?  If you haven’t started tracking your spending yet, I highly encourage you do so.  If you haven’t started tracking yet we’re still early enough in the new year to start now (it’s really never too late to start).  You might just be amazed when you realize where the majority of your money is going each month.

A Dog’s Purpose? (from a 6-year-old)

31 May

I’ve never reblogged someone else’s blog before, but this is too good not to share. If only we could all love and live like a dog the world would be a better place.

A Dog's Purpose? (from a 6-year-old).

C25K, W2D1

6 Apr

Moved up to week 2!  So far I’m feeling great while running.  I feel like I could push myself harder but I know that’s not smart so I’m just plugging away at these runs.  It’s been nearly a year since I was able to run with any kind of consistency and without pain but it seems that this time around it’s coming to me much easier than it did last time.  Of course, I’m only running 1 1/2 minutes at a time right now.  Baby steps though, I’ll get there as long as I can keep my knee healthy.  Slowly picking up my pace!

Shauna went for a 2.22 mile run at a pace of 13:20 per mile using Nike+ Running Monitor

Distance: 2.22 miles.

Duration: 29 minutes and 37 seconds.

Pace: 13:20 per mile.

Date: Wednesday 04/6/11 @ 10:53am

Calories Burned: 225.

As a side note, I forgot to mention the other day that I got my nose pierced!  I love, love, love it.  And, let me just tell you that it does not hurt at all!  This was taken not even 10 minutes after having it done.  Looks like I’ve had it my whole life!

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Also, I have discovered the BEST nail polish I’ve ever used!  It’s Sally Hansen’s Insta-Dry!  Literally completely dry within a minute or two, nice and shiny, and no chipping so far (and I even replaced my windshield wipers).  I’d love it if this stuff will stay on for at least a week with no problems, but even if it doesn’t the fact that it’s so easy and quick to reapply makes it worth it in my book.  Someone even asked me if I got them shellacked!  That’s really how good they look.