Happy Thursday, friends! It’s time to face the music to reveal what I spent in Q4 of this year. This always tends to be a very spendy quarter for me since it involves my birthday and lots of holidays. This quarter also included a six-day cruise, so it was spendier than usual! Let’s dig into the numbers, shall we?
A quick note: I do not include health insurance premiums, 401k deductions, or any other pre-tax deductions that come out of my paycheck before I see it land in my bank account. This is about what I spent from my take-home pay.
Housing ($5,918; -$110 from Q3) – My housing costs came down a bit in Q4, which usually happens because my electric bill goes down a lot, thanks to the nicer weather. Running my AC a lot less means nicer energy bills, imagine that!
- Rent ($1,415 per month)
- Electric (averaging $103 per month, which is a decrease of $51 per month from Q3)
- Phone bill ($123 per month)
- Water ($47 per month)
- Internet ($80 per month)
- Student loan ($126 per month, but now that I’m funneling my $100 loan reimbursement to this loan, I’m paying less; I only had to pay this once in Q4!)
- Car payment ($362 per month)
Food ($1,541; -$638 from Q3) – I am convinced that I somehow missed a week or two of itemizing my food purchases, because how is this so low?! I don’t understand it, but I’m not going to complain that my food budget is more in line with where I want it to be. Here’s how it broke down:
- 64% in groceries ($329 per month)
- 27% in Ubereats orders ($138 per month)
- 7% in fast food ($38 per month)
- 2% in Starbucks (one $25 refill on my Starbucks card)
Christmas ($813) – Unfortunately, I ended up spending more money on Christmas in 2022 than I did in 2021 (+$37). I don’t really set a budget for Christmas (other than socking money away throughout the year in a separate Christmas savings fund), but I think I probably need to. Maybe next year I’ll try to stick to a $600 budget. While the majority of this was gifts, I did wind up spending a whopping $254 on decor. WHAT IN THE HELL, STEPHANY. I am giving myself a $100 budget for decor in 2023 and I must stick to it.
Travel ($730; +$305 from Q3) – It was a spend-y quarter for travel, as I went on my 6-day birthday cruise! There were drinks on the cruise, a little bit of shopping, Bingo cards, and some food when we were off the ship. This category also includes payment to my cat sitter.
Shopping ($698; +$154 from Q3) – Oops, another spend-y quarter for shopping.
- Beauty – $347 (I had to replace a lot of skincare items and makeup this quarter, wah)
- Books – $89 (8 print books, 2 e-books)
- Clothing – $53 (pajama pants, yoga pants, comfy pants… all the pants)
- Home – $107 (a shower rod, hand towel, new rugs for my bathroom, and a jewelry organizer)
- Home organization – $47 (lots of boxes and bins for keeping things organized, including two more boxes for housing Christmas decorations)
- Accessories – $20 (three new pairs of earrings)
- Office supplies – $26 (a planner and a wall calendar)
Health ($478; -$51 from Q3) – Monthly therapy visits + my Peloton app membership.
Savings ($450; -$300 from Q3) – Not much happening for my savings this quarter! I stopped some of the auto-transfers that I had set up (for the girls’ pet fund and my “rainy day” fund) early in the quarter just to make sure I had enough in my account to cover Christmas purchases and the cruise. I’ll get them set up again in January, not to worry. I’m also just understanding children’s ISAs and will probably open one for my kids next month.
Spa ($439; +$184 from Q3) – A few facials, a few pedicures, and my big-time hair appointment (it costs me $300+ for highlights, cut, and style, but I only do this twice a year).
Entertainment ($438; +$232 from Q3) -I spent a lot more on entertainment this quarter, and that’s because I bought tickets to Taylor Swift! I’m soooo excited for this concert in April. I am beside myself! Other purchases that fall into this category include book club dinners, one-on-one dates with friends, and in-app purchases.
Supplies/Toiletries ($326; +$118 from Q3) – I try to keep my supplies/toiletries purchases under $100 per month, but in Q4, I averaged $109 per month. Not fully off the rails, but something for me to keep an eye on in 2023.
Subscriptions ($293; +$2 from Q3) – None of my subscriptions changed from Q3. This category includes Patreon (I subscribe to 3 Patreon communities), Netflix, Peacock, Paramount+, Spotify, Second Nature (air filter subscription/bimonthly), Book of the Month, and two photo editing apps (Befunky, which I use for collages, and Canva, which I use for the podcast).
Auto ($234; -$597 from Q3) – Much lower number this quarter since I didn’t have to pay my car insurance. I spent $115 on gas, $36 on car washes, and $80 on miscellaneous (which includes a new Sunpass, some car tolls, and some car accessories like a cute new trash can).
Pets ($119; -$259 from Q3) – An easy quarter for the girls! I spent $44 on a new bag of food, $38 on treats, $33 on litter, and $4 on toys.
Charity ($49; +$11 from Q3) – I didn’t quite make my goal of donating $50 per month to a charity of my choice, but in Q3 I was able to donate a meal to a needy family for Christmas.