When spending needs to be lowered to match income, usually cell and home phone plans are renegotiated, brown bagging of lunches begins, eating out is well curtailed …. ya da ya da ya da.
We’ve all been there right? OK, well some of us have been there. Any frugal readers retiring early out there…. I’d love to know your take on this.
So Debt Debs and The Irishman have done their bit. Well Debt Debs has done a lot and The Irishman has grudgingly been pulled along.
I have the numbers along with graphs, people! I know you want it!
OK, I need to clear up something first though. I was working on a brilliant post to educate
everyone me on the Power of 72 (hands up if you’ve heard of that :ponder:).
I thought I’d change things up a bit from the focus on debt and look at a$$ets for a change. Oh, big mistake. Apparently, I have none. Well that would actually be lying, because I do have some but not ones that fit well with the Power of 72… or is it the Rule of 72?
Ya, I had negative numbers, and upside down numbers and way up numbers to oh so low numbers. So I decided to show you my a$$ets per the rule would be more embarrassing than showing you my a$$. At least not until I go to Class of 72 training.
Ahem… since there is no money in my budget for “72” training, you will have to wait until I self teach myself and then you can all
yell at kindly point out to me as to how I’m doing it wrong.
So for today, we are going to focus on Booze. Pretty hard for a Monday, right? Ya, well sometimes it’s the hangover we need to cure us of our ills.
Why do I want to focus on BOOZE you ask? Well, I was a bit miffed on Friday when the Irishman spent almost $70 on it, which is almost all our total monthly budget of $75 in one shot. This, coupled with a perception that spending in this area has been going up recently, made me decide to launch an audit.
$75 / month may seem high or may seem low to some of you. Generally we tend to consume more in the summer, so I like to underspend this budget in winter so that we’ve got lots available come cottage weather. Well actually I’ve never done that, but a goal is a goal, right? Like I’m not gonna spend it in summer ….
We started last year making our own wine at a wine making store. That has helped costs a lot (and increase consumption somewhat but we won’t go there). However, we have run out and recently have resorted to lovely bottles of Jackson Triggs Pinot Grigio, high quality wines like that (actually, they’re not bad). I have resorted to nagging The Irishman to starting another batch of ferment-your-own. I may have to step up the pressure.
Hmmm… not bad at all, but this does not include the $70 above which has not hit my credit card yet and thus not in MINT. However, there is not a lot of savings so far to carry us into the high usage summer period. Generally I like to see this number quite negative at this time of the year. Better do some comparison to previous spending. Just so you can audit me auditing my figures, I present you now, THE NUMBERS (if you can read them):
Don’t worry about the colours. They represent spending on different credit cards. Ya, I’ve now standardized on one that gets me big points because I’m a smart cookie.
So a visual glance shows things don’t look too bad in 2014. Definitely improving over the years. Need to do a deep dive. Let’s look at the pretty graphs:
Look at those trend lines! Are they not a work of art? How predictable are we ay? Like a pair of synchronized swimmers, we move effortlessly through the water (booze) with every turn (gulp) in perfect harmony.
And the pie chart sure shows a lot of year-over-year progress… yay us!
Wait, I spotted something. Look at the little orange trend line for Q1 2014 above. See how it perkily points up to the right? There’s definitely a wayward habit starting there. Better nip it in the bud before it becomes a run-a-way train.
Note to self: Talk (plead) with the Irishman and show him these graphs. Wait don’t show him the year-over-year graphs ’cause he thinks that gives him license… you know how he thinks. Use your psychology. OK, just focus him in on the little orange Q1 trend line and remind him how we like to party-hardy at the kot-kot. And remind him to get that wine on!! Whew!
Now I know that you’re dying to compare your numbers with mine. Sounds so dirty, doesn’t it?
Go dig ‘em out and give it to me. Is your booze budget more or less than mine (2 people)? I got my big a$$ panties on so don’t be shy.
BTW, I did not drink the 1.5 litre of Jackson Triggs this weekend. It is hidden.
P.S. Had a good laugh when I noticed something See the red negative number in the 2012 chart in October? That is when I made him take some booze back. I kid you not.