It’s been busy around here so my monthly overview/wrap-up took longer than I’d hoped. I wanted to make sure my numbers were as accurate as possible so I took the time to reconcile my YNAB budget with my three credit card accounts, Paypal, and my checking account before posting this overview.

This was my first whole month of using the YNAB software* so I don’t have any numbers to compare this data to. But I think it will prove an interesting and helpful baseline for the future. Included in my numbers are ALL of my expenses and whatever The Husband told me about or gave me copies of invoices/receipts for. I’m still working on introducing the YNAB budgeting software to The Husband; he’s been very open to it but these things take time. What is not included in these numbers, then, are his everyday expenses like dry cleaning, groceries he buys (minimal), his prescriptions, gasoline in his car, car maintenance (which I know he did this month) and his lunches. I’d guess that his monthly undocumented expenses are in the $200-300 range.

So, are you ready for this? It’s positively scary! I/We spent a total of $6,484.90 last month.

Here’s the breakdown:

Auto Expenses — $2,325.46

• Insurance (Impreza, 6-mos.) — $503.31
• Gas — $270.22
• Loan — $904.15
• Maintenance, Repairs, Tires — $647.78

Charity — $87.32

• Offerings — $75.00
• Miscellaneous — $12.32

Food — $783.03

• Groceries — $712.33
• Eating Out — $70.70

Gifts — $90.42

• Immediate family — $37.86
• my family — $44.06
• other — $8.50

Household — $169.36

• Computer Software — $39.95
• Consumables — $56.49
• Durables — $21.16
• other — $20.81
• Postage, shipping, supplies — $30.50

Housing — $1,814.58

• Improvements — $174.48
• Mortgage — $1,640.10

The Son — $37.88

• Allowance — $6.00
• Clothing — $31.88

Kids — $338.43

• Books & Materials — $6.71
• Equipment & Rentals — $35.00
• Lessons & Activity Fees — $255.00
• Other — $41.72

The Daughter — $255.13

• Allowance — $24.00
• Clothing — $101.47
• Cosmetics — $71.16
• School Lunches — $28.50

Medical/Health — $96.14

• Co-pays — $25.00
• Prescriptions — $15.59
• Vitamins/Supplements — $71.04

Personal — $224.16

• Books & Music — $54.41
• my Clothing — $86.12
• Other — $58.09
• Toiletries — $25.54

Recreation — $52.28

• Entertainment — $52.28

Utilities — $225.22

• Gas & Electricity — $96.58
• Phone — $128.64

I wonder how this compares to other families in our area. How do these numbers compare to your?

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