October 2023 Spend
Recapping what I spent in October 2023 and going over my November 2023 budget.
October 2023 Spend: $7,715 vs $4,995
Mortgage: 35% vs 56%
Groceries: 1% vs 8%
Shopping: 0% vs 2%
Dining Out: 15% vs 12%
Health: 0% vs 8%
Transportation: 0% vs 1%
Work: 0% vs 0%
Gifts: 0% vs 2%
Membership: 0% vs 1%
Travel: 2% vs 2%
Misc: 45% vs 1%
Subscription: 0% vs 1%
Charity: 1% vs 1%
Entertainment: 0% vs 1%
House: 1% vs 4%
Taxes: 0% vs 0%
Decided to take the plunge and tackle estate planning hence the large spending in the “Misc” category. We had a vacation in October so we spent more in dining out and travel. I also have been eating out more due to restaurant week. I realized that I’ve been inputting the mortgage incorrectly so for the past few months, I’ve paid ~$15 less but due to the negligible difference, I’m not updating the past few months spending summary.
November 2023 Budget: $4,995
Mortgage: 56%
Groceries: 8%
Shopping: 2%
Dining Out: 16%
Health: 4%
Transportation: 1%
Work: 0%
Gifts: 2%
Membership: 1%
Travel: 2%
Misc: 1%
Subscription: 1%
Charity: 1%
Entertainment: 1%
House: 4%
Taxes: 0%
My goal for the rest of the year is no shopping meaning no new clothes or skincare unless something has to be replaced. Especially with hiring a lawyer, I’ve been feeling a lot of guilt around spending. Since there are only a few months left in the year, I think it’s doable for me to not buy any new clothes or skincare until 2024. I’m visiting family soon and there is an expectation that I may be picking up some skincare and clothes from them, so that should hold me over until next year. We are traveling for the holidays so I increased the dining out budget as we tend to eat out. Goal for the rest of the year is to spend time with friends and family.
