January 2011 Credit Card Bill was one of the better one recently. We didn’t use the card much last month. Check it out.
Pet – $31
Gas and oil change – $98 (Gas price going up)
Public Transport – $17 (Actually $47, but I get $30 reimbursement)
Medical – $120
IKEA – $240. Got a fold out chair bed for grandpa when he come to help with baby RB40.
Baby sling – $12
Internet – $40. Went back to Comcast…
Cable modem and shipping – $75 (rebate available, see more below) This is also the first electronic item purchased in 2011. This is a replacement for the Clear modem so I did not break my New Year resolutions. 😉
The cable modem came with a rebate, but they want two months of cable bills to be included so I will have to file it later. I’m sure they made up this rule so people will forget about the rebate. We only have cable internet and canceled cable TV a while ago.
* We give ourselves $100 allowance each every week to spend on discretionary items: groceries, shoes, shows, dinners out, and whatever else we want.
January 2011 compliance rating – 98% (621/633)
I guess we have to start giving baby an allowance (budget) of his own. We’ve been using our allowance to buy baby stuff and it’s cramping my style. 😀
The IKEA furniture is a little fishy, but I’ll give it a pass this month. I don’t think there will be any more furniture purchases in the foreseeable future anyway. The place is full.
So we get an A this month. Woo hoo! All in all, one of the lowest credit card bill in a while.
Credit card bills are tricky because often people will forget about how much they’ve spent until the bill comes and then reality sets in. The reality of the situation is that bills and expenses accumulate and they come from all directions. Unforeseen things such as the dentist, the car needing service or a higher than expected phone bill.
During the course of the month, you can have the mental strength to be conscious of your credit card bill as you go but it is easier said than done. Also it’s important to enjoy life and do things such as going out to restaurants, the movies and concerts. Living frugally as a monk may help the bottom line but it’s not much fun.
One solution is to find extra sources of income to counter the expense. There is the ability to take a freelance job but how much will you earn from it and how much time can you devote to it? These are all considerations to weigh up.
Cash purchases in January
$413 – Sigma 30mm f/1.4 EX DC HSM Lens & Filters & Lens Cleaning Kit
I saved up a few months for this lens and it is so awesome. I love it. It came in time for me to take baby pictures and that’s priceless!
parts of this post were brought to you on behalf of wonga and intercasio.