September Spending

Graph of September Spending

Ah September, I attempted to be more mindful in my spending and reduced the grocery spend considerably. However beer expenses were up up up!

What I do like about looking at the graph is that our expenses after mortgage and savings are roughly a third of total expenditure. So once the house is paid off we’ll be able to really ramp up investing and our retirement expenses probably aren’t going to be as high as we think.

The Good

I managed to save a bit more money this month, I transferred money out of my checking account most days into my savings so I wasn’t tempted to spend it. Grocery expenses were down helped by more careful spending and a $100 voucher I got in exchange for taking part in a nutritional study.

The Bad

Spending money category or I may as well call it, the beer category. I bought a delicious amount of beer. Not only for drinking at home but I also went to my favourite bar’s 3rd birthday celebrations (free food and lots of special brews on tap for the occasion). Then there was my husbands album release party. Yep, my husband is among other things a musician and in his spare time he has been recording this album. He plays all the instruments, sings all the song, writes all the songs, does all the recording and he designed the cover! He doesn’t have a record deal or anything but we threw a a big party for all our friends and gave away loads of CD’s. I spent about $250 on the party. Worth it, it was the best fun we’d had in ages. Other spending money includes Netflix $12.99, Steam $5 and $80 booking a food and craft beer matching evening. I’m starting to think I should break down the spending money category a little further, but I don’t think I want to admit to myself just how much money I spend on beer.

Spending breakdown

The not so bad

Giving – It’s way down, I’ve only donated $174 so far this year, but I usually give more around Christmas. I don’t have an amount in mind that I want to give, its kind of ad hoc at the moment. I would like to be a bit more consistent with my donations.

Household goods – I bought two rugs online, we have hardwood floors and the rugs were on sale. They certainly make the place look more inviting but it was hardly a necessary spend.

Holiday spending – I booked a bus tour of craft breweries North of Auckland. It’s organised by my local craft beer club.

Transport – I used the bus a bit more last month and I had 2 Uber rides (both from events with beer consumption so I wouldn’t have to drive).

So many beer related expenses.

 

10 thoughts on “September Spending”

    1. My bill is usually higher but we over pay in summer and we are in credit with the power company for winter. Also its one of the expenses I only pay half for. We have a boarder who contributes to the internet and power bill.

  1. Can never really complain too much about beer spending right 😉
    Cool savings rate there and before you know it you’ll be able to QW4L 🙂

      1. Tell me about the market being crazy, being from Sydney it’s still pretty hot over here as well 🙂
        Having said that for me it’s all about the cash flow!

  2. Thank for the report.

    I noticed your health insurance is much, much lower than you life insurance. It’s totally different than (I would assume) here in U.S.

    So how does all that work? I’m ceriouse.

    1. New Zealand has national healthcare. Hospital care is covered and care required because of accidental injury. However care is triaged, i.e someone who needs urgent surgery for life threatening illness will be seen before someone who needs a routine hip replacement. My health insurance just covers surgery and lets me use a network of private hospitals. Health insurance in New Zealand is also not for profit, they pay out approximately 90% of all the premiums they collect each year. This keeps the costs really low. I think Canada has a very similar system to us.

      Life insurance cost is for two people, our bank makes us carry enough cover to pay off the mortgage on our home if one of us should pass away.

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