Saturday, December 17, 2016

November 2016 Income & Expenses

The amounts below are cash amounts and are net of taxes, insurance, 401k contributions, HSA, etc. In other words, the amounts are what get deposited and withdrawn from my accounts.

Day job (take home pay) --- $11020.03
Dividends/Interest ---  $174.60

Total net income --- $11194

Expenses --- $8415 (Taken from Mint)

Savings  $2779.63 --- Rate  24.83%

November was a fairly uneventful month from a business view. The election was certainly exciting and I think business spiked a bit on the promise of a brighter future. The stock market definitely spiked as did my net worth.

This post is a cash flow document and as you can see I spent too much money and am glad the bulk of the Christmas expenses are behind me!

December has been unusually slow so far, which is highly unusual. Hopefully the next two weeks pick up and we can end the year on a high note. Also, I have had quite a few doctor's bills hit this month as well and the expenses will once again be elevated.

Even though the year is not quite over, I am already trying to come up with new strategies for expense control/reduction. I know, I know, I know.....a pair of scissors to the credit card is a pretty effective plan. Hell that may be my single best strategy!



  1. MDP -

    Great comment on just slicing the credit cards. What strategies are you thinking? Do you have high monthly housing expenses that you can whoop ass on and reduce?? I would, step into the ring and knock those punks out. Keep it up, finish off December strong. Talk soon.


    1. Lanny,

      I really should have low housing expensive as I live in a small house that is paid off. However the real world realities is my girlfriend and her daughter have a totally different view point on frugality than I do. LMAO!!

      Between DTV, phone bills, and a shit load of girl stuff I'm up against the wall!!

      I'm gonna keep swinging though! My first plan of attack is reduce my credit limit on Jan 1, 2017!!!