I've finished crunching the February numbers, & it was a very unusual month! We received a large refund on our refinaces, which went straight to rebuilding our emergency fund. Yeah!
Income - just over $14,000
Spent (net) - $6029
Yep, an odd month for sure. Here are how the expenses broke out:
- Groceries. Budget was $500, spent $641. We had house guests for a weekend & a small gathering for S's 7th birthday, which threw us over.
- Dining out. Budget was $100, spent $204. I'm not sure where I came up with that unrealistic goal number, because it was: my birthday, Valentine's Day, & S's birthday.
- Kids lessons. Budget was $0, spent $0. Still using gift cards to pay for karate.
- Gas - Budget was $275, spent $351. I forgot to adjust our gas budget to reflect for skiing. We take our older, gas guzzler when we ski.
- Vacation house utilities - Budget was $200, spent $0. The timing of the billing cycles mean that we paid more in January & will again in March. Also, we cut our cable altogether, so that bill is now eliminated.
- Primary residence utilities - Budget was $275, spent $351. This was due to a whopper of a power bill. Need to turn the heat down by at least one to two degrees.
- Boys clothes - Budget was $25, spent $80. S has grown out of his pants, so we stocked up & bought two winter jackets for next year, at $12/each. Score!
- My clothes - Budget was $100, spent $0. I do need to replace my running shoes, get reflectors, & new running tights. But, I decided to wait until March.
- Gifts - Budget for all of our February events was $100, spent $-12. but we opted to forgo gifts for Valentine's Day & do a lunch out instead. Our dining out budget was higher as a result. Also, we purchased most of S's birthday gifts in December, and the -$12 was a reimbursement for a gift that I picked up for my mom.
- Travel - Budget was $0, spent $0.
- Childcare - budget was $1070, spent $270. This was due to my dependent care flexible spending account payment, which offset the rest of the spend.
- Personal - budget was $70, spent $0. Nobody got a hair cut or anything! we do have some shaggy boys around here. :-) This month, for sure!
- Health - budget was $100, spent $1. I assumed I would register for my next race, but still pinning down a date. The $1 was for a parking fee on one of my long runs.
- House - budget was $100, spent $1690. The majority of this was for 1/2 of the cost of our new door & roof repairs on our vacation house. The rest was stocking up on household items when we were in Oregon last weekend - tax free.
- Car - budget was $100, spent $148. We had to renew our tabs on our other car this month. It never stops!
- Boys - budget was $25, spent $46. We splurged last weekend when we were on vacation, but need to do a better job on this one.
- Liquor - budget was $0, spent $50. We were actually out of wine (gasp!) & had to stock up for the party we threw for S's birthday.
- Main mortgage - budget was $4611, spent $2800. This was a result of payment dates varying due to the refinance.
- Boys college fund - budget was $0, spent $0. I was hoping to divert some extra money to this, but wanted to wait to see how the house repairs would come out.
- Insurance - budget was $316, spent $316. Right on track.
- Cleaning - Budget was $500, spent $380. We're finally cutting back!
- Vacation house mortgage - budget was $2280, spent $2250. The refinance came in a little lower than expected.
- Boys birthday - budget was $175, spent $190. This is awesome, considering that we had to scrap our ski plans the day of the party & come up with a new idea.
- Refinance - budget was $0, received -$3888 back from our closing costs.
Now that the refinance is over, things our settling down. Our youngest turns 6 in March, so we'll have additional birthday party expenses.
How did you do with your February numbers? Are you enjoying your Saturday?
And, one of my favorite pictures - N & S on N's 5th birthday.