I'm embarrassed by our spending, but there is nothing to do but admit it. We spend a lot of money. I knew this after 2019. It was bad then and it's still pretty ugly. Our baseline budget is terrible because we have a large mortgage. There is no way we can be that family or couple. I guess I might as well write this today since DH is starting a new job today. New job = new salary. Lucky for us we're on savingadvice and can swing not getting paid. But still our spending is ugly. How ugly? Let's go for a ride.
Personal Capital which is having problems with our credit card updates says we spent $22,847 on travel last year. Totally possibly more. I wish they could tailor credit cards better and update it using algorithyms to learn how you classify things. We spent $22804 on home improvement. Probably more because a there was a big chunk of miscellanous general purchases. We spent $15727 on Groceries, $6965 on pets, and $6021 on eating out. We also spent $1773 on Fuel, $2927 gifts, $3986 on utilities, and $13048 on crap with $4000 on amazon. A lot of amazon was for the shed building. Either which way we spent a lot.
This year our overall spending is down probably because I'm trying to be better. But this month alone I've spent $863 on groceries and the month is only half done. UGH. But we've also spent $30 on hot dogs and drinks at costco for our only meal out. So I guess it evens out. More cooking = less eating out. But I'm sitting here going how much more am i going to blow the rest of the month on groceries? This year alone we've spent $3724 on our dog for 2 surgeries (joint flush and stitching up lesions). What can I say? It's not pretty. Technically we've spent more on him than anything else. Hopefully it'll ease up soon.
Right now with the new job and less money coming in we need to contemplate everything.