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March 2011 Credit Card Bill


Wow, we have been doing great with our credit card bill over these last few months. March was also a low credit card usage month. We haven’t had any financial emergencies and things were pretty stable. I know next month we’ll see a much higher bill though because I need to get a replacement dishwasher machine for the rental home.

Credit Card Spending

fisher price snugabunny swingTarget – $94. A baby swing for the little guy. This is one of our unexpected baby expenses.

Amazon – $25. Diapers

H&R Block online tax software – $26. I found a 30% off internet coupon since I filed at the last minute. I also won $55 H&R Block key code from Suba at Wealth Informatics so that helped with the bill. šŸ˜€

Best Buy – $60. CPU cooler to fix Zoey’s mischievous handiwork on my computer.

Pet – $10. Just kitty litter this month, but of course they cost me $60 at Best Buy up above.

Public transportation – $24.

Gas – $68. Our gasoline cost is pretty stable because we don’t drive much these days.

Lowe’s – $4. Air vent filters. I also got a set of drill and screw driver bits, but returned them because I found the square bit I needed in my old set.

Fred Meyer – $41. Cordless screw driver and a bathroom scale.

Appliance Part Pros. – $30. A microwave door switch so I can fix the microwave at the rental condo. It worked! šŸ™‚

Total – $382!

Another month below $500! I am ecstatic! It’s almost as low as February’s bill. All in all a very good low expense March. I love it when the credit card bill is low like this.


We give ourselves $100 cash allowance each every week to spend on discretionary items:Ā  groceries, shoes, shows, dinners out, and whatever else we want.

We didnā€™t buy anything big with cash in March. There were a bunch of small purchases like groceries, Kirkland formula, baby bottles, and a few other small items.Ā  So far so good.



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{ 23 comments… add one }
  • Everyday Tips April 19, 2011, 7:32 am

    Aargh, so envious yet again!

    Can you put up another cute picture of the baby? šŸ™‚

  • Everyday Tips April 19, 2011, 7:34 am

    Oh my gosh, I am an idiot. That IS your baby in the picture! By the way, a baby swing is worth any amount of money if the baby likes it!

    • retirebyforty April 19, 2011, 10:48 am

      Haha, no worries. The swing company would set up the picture a bit more. He likes the swing for about 15-20 minutes before he starts fussing. If he’s sleepy and we give him a pacifier, then he falls asleep pretty easily on the swing. It was worth it!

  • Melyssa April 19, 2011, 8:36 am

    Wow, I envy your gas consumption, or lack thereof. Hubby and I both work an hour away so gas is a big expense for us. It’s currently costing me about $50/week. He’s parking his diesel truck in the driveway and scored a $500 beater Civic off craigslist. The previous owners didn’t know what was wrong with it. He changed the distributor and is now commuting with it. Having it a be a manual, he gets 40mpg now. But we are still spending about $500/month in gas.

    • retirebyforty April 19, 2011, 10:49 am

      40mpg is great! New cars won’t get that kind of mileage because they have so many added things now. It’s too bad really.

      • Melyssa April 19, 2011, 12:34 pm

        Yes, me and hubby were talking about that recently. In CA it’s all due to all the smog laws. All those things are added to help reduce emissions, but they bog down the fuel economy.

  • MoneyCone April 19, 2011, 1:03 pm

    You seem to have it under control! That picture is adorable and that swing is a godsend! I have the exact same swing!

  • Squirrelers April 20, 2011, 10:45 am

    Well done….especially with the low amount spent on gas. I’m spending a ridiculous amount each month on commuting costs.

  • Money Reasons April 20, 2011, 5:37 pm

    Very impressive as usual…

    Sadly, I haven’t seen a credit card bill south of $2,000 for quite a while.

    Great job keeping it under control!

    • retirebyforty April 21, 2011, 11:03 am

      Usually our credit card bill is around $1,000, but we have been doing a really good job lately. šŸ™‚

  • youngandthrifty April 20, 2011, 10:27 pm

    Awe, baby RB40 is so cute and serene looking!

    Wow, you killed that credit card this month- I wish mine was that low. So impressive considering you have a baby!

    I spent over $50 on gas for my little Honda Civic just a few days ago and that blew my mind. I haven’t ever had to spend over $50, I don’t think.

    • retirebyforty April 21, 2011, 11:04 am

      I’m really glad I’m not driving much these days. I put $50 in the tank last fill up as well and it’s the most expensive tank yet! The price will keep going up for the summer though.

  • Buck Inspire April 20, 2011, 10:43 pm

    Dunno how you keep you credit card bill so low. That’s incredible! Baby RB40 is adorable in his swing. You might have to enter him in cute baby contests to supplement your income. But the way you keep your credit card bill so low, you don’t need any help!

  • Dana April 21, 2011, 5:24 am

    Great job on keeping the credit card bill so low!
    Your baby is just adorable. I have very fond memories of our kids in their baby swing. With 2 of the kids it was a “lifesaver” – and worth every penny of the price šŸ™‚

    • retirebyforty April 21, 2011, 11:07 am

      I can’t imagine 2 kids. The little guy keeps both of us busy all the time and the Mrs. is going back to work soon. I don’t know how I’ll be able to do anything with him needing so much supervision. We are having a good time though. šŸ˜€

  • krantcents April 21, 2011, 2:26 pm

    RB40 Jr looks so tiny! I forgot what that is like. Congratulations on the low bill! What are you doing with the savings? Are you saving for the next rental property?

  • Justin @ MoneyIsTheRoot April 21, 2011, 3:45 pm

    That is great u are able to keep your discretionary spending to $100 a week, I wish I could do that…between food and entertainment I definitely exceed that weekly. I work a lot of hours so I tend to eat out more often than I should.

  • optionsdude April 21, 2011, 4:31 pm

    I am impressed with the low credit card bill, and the low cost of transportation. Gasoline is a big monthly expense for me and my family. No doubt that the baby swing will get plenty of use and is worth it.

    • retirebyforty April 22, 2011, 8:39 am

      We have been really good these last few months. I’m pretty sure April bill will be much higher. We share one car so our vehicle expense is usually pretty low. The Mrs. takes public transportation to work and her employer covers the tickets.

      • optionsdude April 22, 2011, 9:46 am

        Being able to share vehicle expenses like that is huge for the bottom line. With several kids each going a different direction for activities, that is impossible in our household.

  • Spruce Up Your Finances April 23, 2011, 10:06 am

    Great Job on minimizing your credit card bill. The $100 cash allowance for discretionary income is also a good budget practice to keep your spending under control.

  • Evan April 23, 2011, 6:21 pm

    The WIfe and I have the exact same swing and we also do the Amazon diaper deal, but The Wife has been going ape shit crazy at buy buy baby…I may have to step in soon lol

    • retirebyforty April 23, 2011, 11:10 pm

      It’s tough to say no! Anything that keep the little guy amuse for 15 minutes is worth the price. We need a little time to eat and do other chores. This month we got a baby carrier and an activity mat. Hopefully that will be it for at least 3 months.

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