It’s the end of the year! Let’s check in and see how I did for December and the year end.
Eating out: -$35.45
Natural gas: $3.45
Remodel loan: $237.50
To recap the month of December: We ate and we ate a lot (clearly).
My monthly savings is $52.84.
For the Year (Goal is targeted reduction from last year)
Remodel loan: $2,137
Let me say that I’ve nearly halved my natural gas usage since I decided to encapsulate my crawl space and get a tankless water heater (that was more space necessity). Now the extra $450 a year in savings isn’t that much when you consider how much I spent, but I still swear by the encapsulation at least, and the tankless water heater if you have space limitations.
I overspent this year on both gas and groceries. I’ve explained before that I did a lot of traveling for work this year via car and that’s a huge reason for my higher gas usage. But, with that also came $1,012 of expense checks which is more than I spent on gas. So I guess I win because I made money on gas this year? Does it work that way? I don’t know.
Groceries were hit and miss for me all hear, in part because I didn’t have a heavy focus on them. I didn’t price shop and sale shop as much as I wanted. I also did a lot of stocking up. And maybe since I’m not too far off from last year’s totals I’m just not really able to go a whole lot lower. There is a point where your expenses bottom out and you cannot cut anymore. Nonetheless, I’ll try some more next year.
Net worth increase: $45,283 (It wasn’t my goal, but it is still definitely a win)
Total savings since September 2015: $5,185.07.