Wallet Watching – April 2016

 

It’s that time of the month! No, it’s budget time! A little wallet watching, budget balancing, money minding fun. I, too, have moments of weakness when it comes to spending money. Money which I have, but don’t need to spend. Let’s do Wallet Watching – April 2016. By Wallet Engineer

Wallet Watching – April 2016

Follow along every month as we track a real, live Engineer’s Budget — Find all Wallet Watching articles listed here. I use MINT (mint.com) to track my budget.

In April the budget was “meh”.  We’re taking a weekend trip to Denver in May. I spent a fair amount on “stuff”. I bought some programming books on Amazon (about $120) for a Java class I am taking. Last but not least, I blew up the Home Improvement budget. I replaced the columns in my porch, then added a wraparound railing like a deck would have. That was about $350-400. However, it’s an investment as the work would have cost about $2-3,000 if not done ourselves. Plus it’s nice! I also spent about $120 rewiring the garage. It now has 2x 20amp grounded circuits (one for lights, one for outlets). Pretty good deal, considering that would have cost somewhere around $1000 to have an electrician do it.

Income – $3486 = 1335 + 1000 + (750) + 400

  • $1335= set aside amount for all non-house-related expenses
  • $1000 = set aside for “housing” — mortgage, interest, insurance, taxes. Excludes home improvement
  • $750 = investment deposits, shown blue below
  • $400 = savings (generally saved for large bills, capital expenses, job loss)
  • $0 = tutor side hustle (after website’s cut). Shown below in blue.

Investments – $750

See my current portfolio.

Expenses

Upcoming expenses (scheduled or desirable) : kitchen stuff (flooring, DIY concrete countertop, knock out a wall, add a LVL beam, dishwasher, move pocket door to bathroom), bathroom interior paint, two ceiling fans, radiant floor heating. replace patio(DONE!), add patio railing, Murphy bed? New front screen door. Replace back door and lock. Install raised beds for garden(beds built, soil on the way!). Pressure regulator for the main – PSI too high.

WalletWatchingApril2016

 

Auto Insurance

Gas and Fuel

Phone, Movie, GYM

My phone bill has dropped dramatically since I dropped Verizon.

Alcohol and Bars

Not too bad.

Groceries

Quite a bit under this month, probably because restaurants was high?

Fast Food and Restaurants

  • Dinner and drinks with The Escaped One ($27)
  • Dinner and drinks after baseball game ($29)
  • Beer for Wallet Engineerette and myself $17
  • Pepe Murphy’s ($16)

Mortgage and Rent

I BOUGHT A HOUSE. Mortgage and paying off my PMI 20% down.  About 3.5 years left on the 20% down which will then add about $425 per month to my cash flow when paid off, which will then go into the stock account.

Home Improvement

I blew up the Home Improvement budget. I replaced the columns in my porch, then added a wraparound railing like a deck would have. That was about $350-400. However, it’s an investment as the work would have cost about $2-3,000 if not done ourselves. Plus it’s nice! I also spent about $120 rewiring the garage. It now has 2x 20amp grounded circuits (one for lights, one for outlets). Pretty good deal, considering that would have cost somewhere around $1000 to have an electrician do it.

Worth every penny, though.

Internet

Normal bill is $30. Gigabit internet through the city will be here between MarchJune of 2015!!!!!!!!!!!!!!!!!! July of 2015?? Looks like August. Looks like October. Not even close. As of today (11/5) they finally made some progress. 1500days got his fiber. (02/08)My brother is hooked up. They’re a block away! Seriously, what the fuck is up with Longmont fiber installation? Argggggggggggggggggggh. Still a block away 3 months later. Come the fuck on guys!

MISCELLANEOUS ( EVERYTHING ELSE) – $550

Yearly membership dues, donations, some end tables, textbooks, shopping, hotel room.

Start tracking your expenses today with Mint.com. Also, I did a Mint review.

2 thoughts on “Wallet Watching – April 2016

    1. walletengineers@gmail.com Post author

      Hi Vivianne,
      Thanks for stopping by! Here are a few things I eat a regular basis:
      Burrito: Flour tortilla, black beans, cheese, and jalapeno tomatillo sauce.
      Tacos: 15oz black beans, onions, peppers, maybe another vegetable, two packets of taco seasoning. Also good with tortilla chips.
      Salad: Spinach, banana peppers, cucumber, olive oil & vinegar, bleu cheese or gorgonzola, walnuts (buy in bulk! $6/lb or less!).
      Breakfast: 1 cup uncooked quick oats from Target, 3/4 cup soy milk, 3/4 cup water, about 1/8 cup brown sugar, cinnamon, and a handful of walnuts
      Broiled salmon (cover in vegetable oil and sprinkle with salt and pepper), 1 cup uncooked rice, and stir fry vegetables. Make a mixture of 2 parts soy sauce to 1 part brown sugar and use with rice and salmon.
      Brats ($3.49/lb or less).

      Stir fry: onion, bell pepper, a few snap peas, broccoli. Add in a little oil and stir fry. Add a pre-mixed packet of stir fry mix (about $.80 to $1.00). Add a handful of peanuts or cashews!

      Farfalle pasta, 1 jar of pesto ($3 or less at Target), cut broccoli. You can steam the broccoli on top of the boiling pasta, then mix in.

      I get most of my protein from nuts and beans, with some from fish and on occasion meat. I try to avoid red meat as it is fairly expensive and it has many health repercussions (heart disease, colon cancer, etc).

      I buy my vegetables from the local Sprout’s or Lucky’s.
      I buy my oatmeal, beans, and a few other things from Target.
      I buy my torillas, hot sauce, taco seasoning from King Soopers (Krogers).

      Buy generics. Fill your diet with fruits and vegetables if possible. Eat meat sparingly (a serving is 3oz!). Shop around. Certain types of stores sell product X at a discount while they sell Y at a markup. Example: Target has a big can of quick oats for $2.80, at kroger they’re $4.29! :O

      Thanks!
      Wallet Engineer

      Reply

Leave a Reply

Your email address will not be published. Required fields are marked *