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Archive for January, 2007

Used Clothes and New Fruit.

January 28th, 2007 at 11:50 am

An underrated plus of thrift store, garage sale, or hand me down clothes: I know how theyíll hold up. With new stuff, sometimes Iím surprised at how things that look like they have solid construction pill, or dry permanently oddly wrinkled (collars!), or fade, or somehow fall apart. With used clothes, I can tell the clothes can take a wash or two.

Results of recent (2007) hand me downs:

Flannel old-school nightgown

2 sweaters

A dress

2 pair sneakers

1 pair shoes

A skirt

2 pairs corduroy pants

3 or so blouses

Bathing suit


Plus, in a ďpossibleĒ pile: a bathing suit, a dress, and 2 pair pants. I keep a ďpossibleĒ box; I try on the items every six months or so. If it doesnít fit or I donít decide to wear it after the item has been in the box 6 months, itís gone. This way I donít have to decide immediately, and I donít end up with things in my closet Iíll never wear-too tight, too loose, or just isnít a color or style that floats my boar.

Yesterday I bought grapes-red and green, strawberries, and cherries. Even though itís January and the fruit wasnít perfect, it was all very good, and I at it in the bathtub and watching some record TV. Such a small thing can bring so much joy. Post-challenge I plan to allow myself to spend more on fruits-getting some organic stuff sometimes, and also, getting the fancier stuff. Right now I buy a lot of apples and oranges, pears and sometimes grapes. I plan to be a pineapple queen.

Today I drive to Sacramento. I donít have to fly, thank goodness. I donít mind flying, but the cost, even though it doesnít cost me directly, always irks me-we have a small airport up here in Eureka (itís actually a half hour north of Eureka in McKinleyville). Plus, a huge concern, I kept getting fogged in (or out)-itís annoying to miss an important meeting that way. Itís a 5-1/2 drive, but that can be soothing-the scenery out here in Humboldt (to Mendocino, to Lake) counties is incredible. Iíll be back Monday night. I plan to eat a lot of fruit on the way! Itís also nice to be able to take a bunch of food-I donít like checking baggage for a one day trip, but it does drive me nuts to not have my 12-1/2 cent cans of club soda.

Oh, and I got $10.13 from recycling yesterday-my biggest run yet! Whooooo!

Rich!

January 26th, 2007 at 06:40 pm

I got a check for $17 in the mail, a check I can actually count as income on My Challenge, and it is huge in Challenge terms! Seventeen dollars is a lot of money when ďregularĒ income is $1026.

(The money was from SurveySpot, for a variety of surveys over the year that I cashed out. If I get extra money from something I could get if I was on Minimum Wage, I count it-online surveys are okay, because I budget for the Internet.)

Iím feeling a bit of pressure. Why? I just read the SavingAdvice.com newsletter, which listed a link to my page on it, and Iím just a tad nervous about new people peeking in. I hadnít realized theat my 2006 $20 Challenge win might lead to some extra visits. Itís hard to reconcile the desire to have exciting posts all about how wondrous frugality is, when some times it just comes down to: I make do and donít buy.

I get up, pack my lunch, put on my thrift store or hand me down clothes, do some pretty simple hair and face care that is probably not as close to primping as it should be, and maybe walk to work, maybe drive in my car. Work and eat my little packed lunch, perhaps while playing Boggle (scored at a garage sale for $2 a few years ago). Then I walk or drive homeÖstraight home. No errands usually, no shopping, no picking up something. I never shop recreationally (except for garage sales). I try to limit grocery and household shopping trip to one big one a month, though we do a couple fill ins for produce, or a canít miss deal, or a special ingredient for guests or a potluck. (I never run to the store for something we are out of-if I donít have it, it can wait.)

I get home, and enjoy being at home. I read a lot, usually used books from the bookstore (sometimes I get trade credit), garage sales, thrift stores, buck-a-bag book sales at the library, and swapping with friends. Perhaps Iíll hang out with friends; fabulously free. I listen to music; my CD collection has enough of my favorites that I now only buy one or two a year. I watch limited cable channels 2-13; it costs us $10.25 a month, and man, I waste a lot of time watching the limited channels I have-Iíd go nuts with regular cable. I like being on the computer; I do splurge for cable internet.

I can go days and days without spending anything. This week I filled up with gas, other than that nothing. Itís a little boring to talk about, but itís not boring to live, and itís very restful.

A Good Sign, & Hand-me-down-downs

January 24th, 2007 at 07:00 pm

Iíve got an indicator that my spending patterns wonít change much. How do I know? I made an appointment to get my hair cut February 27.

Now how in the world does this mean I wonít change too much? My Challenge is over 02/28/07. The person I made my appointment with is pricier than Iím used to; even if it wasnít, itís still an expense that I could easily postpone 2 days. But nope, I donít want to save any expenses up for after Challenge; it would feel like cheating. If I want to fill up with gas or buy some groceries come the end of February, so be it. I might need to maybe spend less in some areas to make room in others, but I donít want to adjust any ďregularĒ spending post-Challenge to make my numbers look good. Iím willing to take a $60 ďToiletries and Hair careĒ hit in February, because thatís when I could get an appointment.

So I am feeling like I wonít be a wild and crazy splurger. I donít feel as if Iíve been starved let loose in a grocery store. Sure my spending has been arbitrarily restricted beyond my usual frugality, but it hasnít been unpleasant. I know I have the benefits of being fully abled, child free, and debt free-Iím not saying low income is easy peasy-but I have been having a very full, rich, undeprived life here in Humboldt.

Unrelated side note, I am getting mountains of hand-me-downs. My co-worker buddy who is losing a ton of weight (actually we determined she has lost 4% of a ton) kicked down even more clothes. She passed along some hand-me-downs she got-what would I call them? Hand-me-down- downs? Anyway, two nice sweaters. Tonight I picked up two bags full from another friend who is purging. I know many wonít survive the trying on process, but Iíll get at least ten items out of this, I bet. This will reinforce my position that being unabashededly unashamedly frugal reaps rewardsÖ.not only do I not have to tiptoe, I get swag.

Unrelated side note two: I am making progress walking to work and riding my exercise bike. I am not making the progress I had hoped, but I need to be happy with any progress.

Unrelated side note three: Iíve decided to go fast food free in 2007. Not an original idea, many others do it, and credit is due to MarianneJ for directly inspiring me. I have discovered an additional alternate. Besides stocking the freezer with pre-made meals, and stocking cans of soup, etc., for emergency lazy meals, I also rediscovered a local taco truck. I can get 2 Baja style tacos for $1.65 each, or a great burrito for $4, assuage a desire for a little greasy goodness, stay local, and stay reasonably healthy.

I like having an ďoutĒ as it were. Iíve wanted to avoid chain fast food, but miss the option of indulging angst with hot salty fat. Huh? Iíve used many other vices in the past, and Iím a good egg now, but sometimes I treat anger or sadness with grease. Most of the time I am a big girl and deal with my emotions, every now and then I want to stuff my feelings with greasy goodness and I allow myself. Taco truck it will be.

Thanks, Guys

January 23rd, 2007 at 07:59 pm

Most of you who drop by and peek at My Challenge are probably regular Saving Advice .com Members. For those that arenít, Well, Saving Advice has a $20 Challenge, and My Minimum Wage Challenge is my 2006 $20 Challenge. (I spent the $20 on the YouNeedABudget spreadsheet to track My Challenge.) You can read more about the 2006 Challenge here, the 2007 Challenge here, and the voting here. I was nominated for Top 2006 $20 Challenge along with 9 others, and I won!

I am very grateful to all of you who voted. The nominees were very worthy, and Iím surprised as well as pleased. I actually get $100, which is kind of a shocker. I wonít touch it until March, I promise!

Boring, Thankfully

January 21st, 2007 at 05:28 pm

I have nothing to report on the money front. Why? Nothing is happening. Iíve made some small grocery fill in runs, and ordered some prescription refills. I think my most powerful saving tool is just my non-buying habits. Makes my reporting less exciting, but my January wrap up should reflect some savings despite My Guyís birthday, so it ends up being exciting.

Discovery: Cold Equals Dirty

January 21st, 2007 at 05:19 pm

I understand a little more how the cold can really affect our lifestyle. We donít clean! When every breath is a puff of steam, and we sleep in two pairs of sweatpants and hats on, who wants to spend time in cold rooms?

We do have a little heater in the bedroom and computer room. Other than that, nothing, because space heaters are ineffective and we rent a 12 foot ceiling Victorian build in 1887. Any solution to warm the house would be a costly investment.

Saturday was sunny, and not really cold, and I looked around and found a crazy mess. Laundry, dishes (didnít help that I couldnít wash with my burned hand), just piles of crud. A little stunning, since we are pretty tidy. Not clean and scrubby, but tidy: piles on flat surfaces are unusual.

So I wasnít upset about the cold, and I have loved the rain, but Iíve figured out a bad side effect from the chill. Besides having ice inside the window, and being scared of the next utility bill.

A Loss

January 17th, 2007 at 07:11 pm

I found out today that a woman I work with died on Thursday night. She was alone in her yard, no one at all knew until Friday. Jís desk was six feet from mine. J was a very gentle, very kind woman. She shared my frugal interests: her Christmas present to me was an empty square tissue box, which she knows I use to put TP in, modified for me. She had lifted the flaps and put Velcro there, so I had an easily reusable tissue holder. It was a funny, sweet, humorous, unique, and very thoughtful gift; all attributes that she herself had.

Iím just in a funky, mad headspace. Mad that she died. Mad that she died out in her yard, and was there all night-worried that she may have been cold, or scared, or lonely as she died. Worried about her partner. Mad at how young she was-somewhere in the early fifties. Mad that I came in today and her space was cleared out; I was out of town and felt among the last to know.

Iíve had a lot of death in my life, but most of it was from folks dying of illness. As sad as watching someone die is, at least I always got to say goodbye. Iím mad I couldnít say goodbye. Iíll really miss her.

After being a snappy, cranky, touchy fiend tonight, Iíll crawl in bed, hunker down, and face an altered world tomorrow. Iíll remind myself, again, to be grateful, to tell those I care about that Iím fond of them, to make sure I do my best to live fully. Iíll do these things so that if I am unlucky enough to die so young, that Iíll have a lot of warm memories and loved ones to mourn me, not just a healthy bank account and a tidy house.

Burned Hand

January 15th, 2007 at 03:27 pm

When I get mad, I get stupid. Maybe some of you are familiar with that. I got an e-mail that riled me up, and before I could calm down and realize I could totally ignore it (unless itís from my boss, Iím a big girl beholden to no one) I went a grabbed a pot of boiling water with by bare hands. It burned, of course, so I knocked the pot and spilled it all over my left hand.

Itís the top of my left hand, from the first joint on my fingers, down to two to three inches below the wrist. My palm isn't touched, but the sensitive inner wrist is burned. All first degree-no blisters at all-but very red, very puffy, and very painful. I happened yesterday, and sadly enough intruded upon plans My Guy and I had. We could still open up the living room sofa bed and watch DVDs and eat fun snacks, but my wailing and gnashing of teeth intruded.

I am glad itís my left hand. On my right hand, the forefinger has a welt where I touched the pot; itís the finger I believe knocked the pot over. Sleeping last night was a pain. Tonight I fly in to Sacramento for work;

Ice! Ice! Baby, it's Cold Outside

January 11th, 2007 at 06:35 pm

Oooh, a bad, bad title. Itís chilly here on the North Coast, more than Iím used to. Being on the coast, we rarely freeze; even a half hour inland gets much colder. But when I passed my car walking to work today, I was sure glad I wouldnít have to spend a lot of time defrosting the windshield. Anything to reinforce walking to work works for me!

Sometimes I get the ďput your head down and keep goingĒ mentality. Itís not a sad or unhappy place to be, but itís a very determined place. And right now I feel committed to develop some new habits, and in awhile these tasks-walk to work, eat smaller portions, get my workday organized first thing in the morning, etc.-wonít be hard at all, because theyíll just be what I do-my routine.

Until itís a routine, I almost wish I could turn my thinking button off. I can muse for days; pros, cons, ifs, thens. Not necessarily so helpful. I want no distractions, even good distractions. Thankfully blogging is a way for me to stay focused; angst or flightiness can be funneled.

On the financial front, Iíve got 48 days left on My Challenge. All systems seem to be go. Last nightís sushi for My Guyís birthday was not heap but it was anticipated, so Iím good there. Car insurance comes due, but Iíve been budgeting for it, and a bonus is that next month, the last month of My Challenge, I wonít have to budget for it! It almost compensates for the fact that I had to pay the July segment only five months in to my Challenge.

I havenít had to spend car repair money recently, though I did spend $4.50 this month for self-serve car wash and vacuuming. If my car stays true, I will also be able to pout all my banked car repair money into other categories in February. The whole idea that any banked money come 2/28 is available for addition savings as far as Challenge numbers is pretty exciting. Iím very curious to see what my average spending per month ends up being.

Never At The Expense of Others

January 9th, 2007 at 08:33 pm

My Guy hasnít tried to subvert my Challenge, but he isnít into it. Heís naturally very frugal; frugal enough to be able to work part time by choice. But he does kind of see My Challenge as a bit dorky.

Tomorrow is his birthday. I told him Iíd take him out to dinner anywhere he wanted to go, and he picked sushi (which I expected). It was surprising to hear him say today, after getting a (very sweet) gift of cash from his step-dad, that he could use the money for dinner tomorrow. I replied, ďNope, you get to treat yourself with that money. Iím taking you out to dinner tomorrow.Ē His response: ďWhat about the Challenge?Ē Jaw dropping.

I explained, ďNo, no, Iím taking you out. Iíve made room in my budget.Ē We always take each other out to dinner on our birthdays. And we pretty much always choose sushi, because we love it. Sushi is not the cheapest. But I have organized my budget so that I can fit it in.

Oddly enough, I think what got him thinking positively about My Challenge, in Month Eleven, is how nice his Christmas and (early) birthday presents were. On the frugal side, I got him many, many books using trade credit at the bookstore. I got him a Chť Guevara shirt in Croatia; he has a thing for them. I got an oval shaped desk tray thing, so that he could use the laptop in bed, and that was $1.99 at the thrift store and has been a big hit. I also gave him a 1 gig jump drive, using part money and part gift cards I cashed in survey points for. And I got him a gift certificate at The Gap, also by cashing out survey site points. For the birthday, I got him an MP3 player, an iRiver Clix, which is nicer than he expected. I explained that My Challenge didnít mean no spending, it meant conscious spending, and that I felt the mp3 player was a good value for a great reason and I fit it in my budget.

So I think he is looking upon My Challenge with a new respect, perhaps. In the past months I've sometimes declined to go out to eat or get fast food or take out, and I think that mildly irritated him. Now he might realize more that I wasnít enjoying getting fast food almost alway. I have migraines, Iím chubby, I have issues with large chains; it was easy for me to want to cut out fast food or going out to eat from laziness as opposed to true desire. So he did experience a small amount of deprivation, I suppose, because I wouldnít join in some meals. So the true beauty of My Challenge was unable to shine through and impress him with the fantastic geekness of it all. But the mp3 player has spoken.

(I still say heck, he should go out to eat with the guys, or his sister, or himself if he wants it-Iím not preventing him! Come March 1st I am not going to be interested in a lot of eating out. Iím trying to eat right and work out, and I have to do that way past February! Thank goodness splurging on sushi is relatively healthy.)

The morals of the story: Remain generous while being frugal, and, be patient with men.

There may be more morals here. Feel free to be my Aesop.

In other news, I got a couple pairs of pants as hand-me-downs today. I would almost totally love them, except they are from a person who used to be a few sizes larger than me, and these are now too big for her. Great for her, and a reminder to me to keep focused on getting healthier. Iíve walked to work once and used my exercise bike 3 times this week, starting Sunday. Iíve eaten breakfast everyday, and packed good lunches, and for the most part eaten right for dinner. Working on developing healthy habits just as Iíve developed good frugal habits.


An "Aha!" Moment

January 8th, 2007 at 08:28 pm

I realized tonight why I donít use coupons. It was an eye-opening moment, finally figuring out why, why, why.

Iíve been like Amy Dacyczyn (Tightwad Gazette) in some ways regarding coupon use. I felt that by cooking from scratch and buying bulk and buying generic and buying low cost items I had a very reasonable grocery budget. I was like that for years. Then, from being at the SavingAdvice site, I became intrigued by the idea of using coupons. Some people were savings serious amounts of money, and not just on junky convenience food. I won a batch of coupons from Flash, and I signed up for a Coupon Train.

I got the packet, and opened it up, and did not get excited. I felt overwhelmed. There were a ton of excellent coupons in there, but I just didnít get into it. I pulled older coupons like I was supposed to, filled it with the ones I got from Flash and a few I had been savings ($5 Citrucel, the like) and sent it off. And didnít use a single one.

I was puzzled. Here I am all into savings, and frugal activities, and I just couldnít get into coupons. I forgave myself and moved on. I decided that coupons were an excellent way to save money for many people, but that I was fine with my grocery bill (average $96 a month) and made peace with not using coupons, though I was still puzzled as to why.

Tonight I was getting into my bath and I brought a Costco booklet with me. The booklet contained a ton of manufacturerís couponsÖ.and they all say how much off but donít say the actual cost. And I realized thatís why I have been unable to get into coupons. I need to know the price I am paying. The amount off doesnít really matter.

If I skip the majority of items in the booklet which Iíd never buy (facial tissues, fabric softener, paper napkins, DVDs, vitamin water, instant oatmeal, Pringles, Folgers) and look at the items I might buy, I see things like ď$3 off Playtex 88 count.Ē The $3 means nothing to me. I know my bottom line is that I prefer paying a dime apiece or less for tampons; $4 a forty pack. (Yeah, this might be too much information, but dagnabbit, thereís not much I would buy from these coupons.) So I need to know whether, after coupon, the box will be $8.80 or less. Without that information, the coupon means nothing to me.

Now there are super organized people who can keep these organized and go to Costco and be able to quickly check and use the coupon if it is a savings. But this isnít a skill I am interested in gaining. When I find tampons at the right price I can stock up and call it good. I do other frugal activities I enjoy more.

It makes sense now that I do look at Safeway Club card mailers or any inserts that refer to loss leaders. I am on the look out for good deals- itís not that I am uninterested in getting the best deal; it's that for me, I need the bottom line to have it make sense. If the flyer says ď2 for $3Ē I know the item is $1.50, and can decide, sitting in my chair at home, if itís a good deal. With the cents off coupons, I have to take the coupon to the store to know how much I could potentially save, and even then, the savings could be nothing for a particular coupon.

Itís just nice to finally understand what my block was. Iím still at peace with not using coupons, but now I clearer on why.

Sticker Shock

January 7th, 2007 at 03:57 pm

My Guy went to the mall to do a little shopping; he had a $25 GAP gift card I gave him from cashing in My Points. He came home and was sharing some of the prices ďout there.Ē He saw sweatshirts for $50. Now, I think that a $50 sweatshirt just isnít right. It doesnít matter if Iím earning millions and am debt free, I donít want to wear a $50 sweatshirt.

Maybe I do want to wear a high quality sweatshirt, sure. But it shouldnít coast that much. Between thrift shops, garage sales, clearance rack shopping, and off price stores, I'm sure I can find great sweatshirts for much, much less.

I feel this way about items all the time. I see Coke on sale for $1.99 a six pack, and that seems so weird because I wonít pay more the 99 cents a sic pack for soda. How can $1.99 be cheap? I found out a matinee movie is almost six bucks-that seems like a lot.

Sometimes I see higher priced stuff I might be interested in, and even buy. Organic veggies come to mind, or recycled paper for the printer, or something made by a local craftsman. Iím not always looking to spend the lowest amount no matter what.

But jiminy Christmas, $50 is crazy for a sweatshirt!

I did lose at poker, $9.75. Not bad for a good 5 hours of playing; and I lost $14 my first hand with pocket aces, so I was down within minutes. The house was full and it was fun. Now my poker jar containing my winnings is down to $38.50. (I was up $73.25 but I lost $25 a couple weeks ago.) My only spending this weekend was some groceries for the guests; I should have known better, everybody brought something.

Thursday Night is Usually a Good Night

January 4th, 2007 at 08:28 pm

Friday I go out to lunch, and host poker at night. Thatís good, for me- I want to be more social in 2007. Iím looking forward to a good year; I have a lot of goals, and that can be daunting, but many of my goals are very manageable, and some are even ones to look forward to. Such as hanging out on a Friday night laughing and winning other folks money.

Blog Abuse: To My Folks: I think I lost the phone numbers you left on my voicemail today. Please call again! We want to see you too!

Right before Christmas, someone in the building went unit to unit at the end of the day holding a ďliquidation saleĒ on left over baked goods from a charity bake sale held earlier in the day. There was a lot left over, and it seemed sad, and it was a good cause, so I gave them some money and gave the baked goods to co-workers. The check cleared for $5 not $7. So now I have to hunt down someone who might know who was organizing the fund raiser, to give them $2. Itís funny that a rare impulse what-the-heck purchase ends up being inconvenient.

Non, Je Ne Regrette Rien

January 3rd, 2007 at 06:20 pm

But...but...but...itís not over!

Iíve had a couple of folks ask me if Iím done with the Challenge. Well, if I had been bright enough to start it January 1 2006, Iíd be done. But no, I started March 2006, so I have two more months to go. This is day three of month eleven; fifty six more days to be Wantonly Frugal.

Now, as I wonder how I will react come March, I realize how adjusted I am to not spending. I was telling a buddy I went on a shopping spree, because I had money in my Household account and wanted to treat the house for the New Year. My splurge? Four pillows, which I can kind of see, but also new sponges. Now thatís just nutty. I am currently spending 27% of my gross income, and I was really excited to have new sponges and pillows!

Now, I know Iíve lost some of you, but let me explain why I donít think itís really sad.

Iím not consuming on autopilot.

Iíll grant you this: I probably should have bought new sponges earlier. I wash what I have in the washer, and periodically nuke them, so they arenít infested. But they are worn. But the flip side would be worse to me: blithely tossing sponges, cleaners, paper towels, Lysol/bleach wipes, etc. into my cart every week. I am fine using small amounts of simple items - and that means I will be able to go to Europe again this year, and maybe China or South America or someplace exciting (suggestions accepted). (Now if you love cleaning items, this is not an assault on your lifestyle: If your Swiffer gives you joy, I support your Swiffering.)

I get to spend on what I want to spend money on. I get to spend consciously, getting value for what I buy, choosing what I buy. I know that if Iím bringing something home, itís something I wanted or needed. I bought My Guy a pricier birthday gift for January 10, coming up. Hereís the deal: I spent $160, and I had to pull a lot of money from other categories, and I donít regret it. I very consciously decided what to buy, found the best type and price (thanks, forum posters), and committed, and within my limited virtual means met my needs and my wants.

I just really love not needing to regret purchases. And Iíll loosen up and buy more sponges come March, and replace the pillows more often (how does that happen-you know what I mean-our heads should NOT make pillows look like that), and maybe even splurge on a real splurge-and I wont have to regret it!

Not Dead

January 2nd, 2007 at 12:56 pm

Iím not dead. And I donít have any good reason for not posting for three weeks. No good reason, no interesting reason. My Christmas Season was fine; Christmas day was bad, but just the one day. My co-workers loved the presents I got for them, and friends enjoyed their presents as well. Plus, Christmas does not have a lot of personal meaning for me, so having a bad Christmas Day is okay, actually. My actual two favorite holidays are Thanksgiving and New Yearís Day: being grateful and new beginnings.

So, anyway, I am back, and I did not stop doing My Challenge. I spent a bit extra in Groceries (treats), entertainment, and gifts, but it was because of the holidays, not because of not posting.

After my weird little lapse, I do now plan to get back on the posting wagon. Itís the New Year, and itís month eleven out of twelve months-Iím pretty thrilled that it looks like I will be able to definitely complete the Challenge.

My Challenge Total So Far: $4,137.84

January 2nd, 2007 at 12:54 pm


Standard Recap Info:
I spent $1592 a month last year. My Challenge savings are the difference, $1592-$1026 (see below) = $566 times 10 months = $5,660.

Add to that $263 in ďsavingsĒ and $24.48 in my emergency fund, Iíve saved $5,947.48. If I take out what I spend in Europe, $1809.64, which is not part of my Challenge, Iíve saved $4,137.84 living on CA Minimum Wage for 10 months.

* My income is calculated as follows: CA minimum wage of $6.75 for 40 hours a week, at 4.33 weeks in a month, $1178 total. Iíve taken FICA and SDI (CA State Disability Insurance) out for a total of $1073. I had $9.27 in extra income from recycling this month.
** When I originally began the Challenge March 2006 I assumed no federal or state tax liability, but Iíd actually owe $47 a month, so I have to budget $95 a month (for the last 6 months of the Challenge) to catch up. So my actual spendable income averaged over each month is my original calculation of $1073 less $47 for $1026.
***$703.82 is the amount I have banked and unspent for non-monthly expenses; this does NOT include my savings and emergency funds. It is obviously not what was budgeted less what was spent. Each month I budget for non-monthly purchases; for example, I budget $55 for auto insurance every month, but only spend it twice a year.