December Recap! ($103,396)

Ugh!  I did an extraordinarily bad job budgeting this month. Or, rather, staying within said budget.  Here’s my spending breakdown from the month (ALL THE PRETTY COLORS!):

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Education and Fees & Charges are (rightfully) big chunks of this not-so-tasty pie, but they should account for over half–they don’t.  I spent a tiny bit less on principal and a tiny bit more on interest this month–should just be reflective of when the payment was made in the month (I wish I got paid semi-monthly instead of bi-weekly, so these could always be the same):

Principal Payments:

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Interest Payments:

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That makes “Shopping”, “Kids”, “Personal Care” “Auto and Transport” and “Other” the big spending categories.  Some of the shopping was Christmas presents, but, um, not most of it.  I bought $160 Uggs at the beginning of the month (I love them, but I don’t know if I love them $160 worth), and about $150 at Old Navy that was for myself.  Damn you Black Friday.  Toward the end of the month I spent $325 on eBay–I bought two purses to celebrate the new job.  I’m also thinking about buying a Spin bike, but if that’s all I do for celebratory purchases, and don’t inflate my lifestyle too much, I’ll consider this a victory.

I spent $600 at Babies R Us.  The stroller and pack-and-play my sister registered for were both on sale, and didn’t want to miss out on the opportunity to save over $200 (again–Damn you Black Friday!).  I would have spent this money (and more on the shower and smaller baby gifts) eventually, but wasn’t planning for it in December.

The $120 on getting my hair did [BLONDER — and way shorter] was planned, but sadly fell in with a month of crazy spending.

I spent way more on parking than usual this month–for two reasons.  Reason numero uno:  bought a book of five parking passes for $100 at the new work building.  Because $20 a day in the city is a bargain when I need to drive in.  See: the day I spent $35 on parking when I went in late for a doctor’s appointment last month. I also went out to watch a football game with a friend on Sunday and spent $40 on parking.  I hadn’t seen her in a while, and I’d cancelled on her the previous weekend–but if I’d realized I’d have to spend $40 to park initially, I wouldn’t have made that plan. Lesson learned.

Most of the transactions in the $500 or so in “Other” were planned: life insurance, credit report, phone, (2) TiVo.  It also includes about $80 in Christmas presents…for my dog.  And a doctor’s visit co-pay.  Lastly, it includes $120 at staples, $80 of which is for the biggest piece of crap filing cabinet on the planet. Which is getting returned.

So the budget page looks something like this:

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This actually doesn’t even capture the “Everything Else” category, which is over by about $1,400… Yeah. Though a small point in my defense: about $200 of my food and other random costs were reimbursed from job two.

January should bring more income and–hopefully–less irresponsible spending on my part.  To be continued I guess.

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