I read an inspiring post on Financial Samurai titled, “Credit Card Enlightenment: Track Your Expenses Wisely” that made me want to get a handle on monthly expenditures, but as explained before I feel like I started in the wrong month, but oh well!  Unlike my net worth updates, I am going to provide exact dollars (I guess I am getting transparent in my old age).Before getting into the details, the following charges were made on the one card I primarily use, my Premier Gold American Express which I pay off monthly.

My Monthly Expenses

Nov 22-30Dec 1-22
MerchantTotal
MICRO CENTER-LONG ISLAND$ –$ 488.82$ 488.829.05%
STAPLES 40$ –$ 488.80$ 488.809.05%
HOME DEPOT$ –$ 432.30$ 432.308.00%
STOP & SHOP$ 246.33$ 93.77$ 340.106.29%
GYMBOREE$ 319.00$ –$ 319.005.90%
PHARMACY$ 269.95$ –$ 269.955.00%
ON THE SOUND-RES$ –$ 200.00$ 200.003.70%
TARGET$ –$ 161.12$ 161.122.98%
BJ’S$ 130.68$ –$ 130.682.42%
PIZZA$ –$ 127.49$ 127.492.36%
NEXTEL WIRELESS SVCS$ –$ 123.94$ 123.942.29%
BAR & RESTAURANT$ –$ 116.85$ 116.852.16%
THE HOME DEPOT$ –$ 113.64$ 113.642.10%
Krav$ –$ 112.00$ 112.002.07%
PARTY CITY$ 109.51$ –$ 109.512.03%
ZAPPOS RETAIL$ 162.94$ (56.47)$ 106.471.97%
SMOKE STAX$ –$ 104.78$ 104.781.94%
BUYBUY BABY$ 25.36$ 69.88$ 95.241.76%
WALDBAUM’S$ –$ 91.51$ 91.511.69%
PHOTOS BY SHUTTERFLY$ –$ 87.17$ 87.171.61%
MARSHALLS$ –$ 86.78$ 86.781.61%
SHELL OIL$ –$ 86.59$ 86.591.60%
TRADER JOES$ –$ 82.00$ 82.001.52%
WALGREENS$ –$ 81.38$ 81.381.51%
KODAK GALLERY$ 73.75$ –$ 73.751.36%
MICHAELS STORES INC$ –$ 73.38$ 73.381.36%
POLAND SPRING WATER COMPA$ 69.12$ –$ 69.121.28%
AMAZON.COM LLC$ 43.41$ 7.90$ 51.310.95%
FRIENDLY ICE CREAM$ –$ 50.25$ 50.250.93%
LONG ISLAND$ –$ 49.59$ 49.590.92%
HURLEYS SALOON & RESTAURA$ –$ 41.00$ 41.000.76%
BJ’S$ –$ 40.16$ 40.160.74%
LANDS END INC$ 39.60$ –$ 39.600.73%
PILOT CORP$ 38.50$ –$ 38.500.71%
PETCO #1760$ –$ 38.19$ 38.190.71%
BROADWAY MALL$ 30.96$ –$ 30.960.57%
GETTY$ –$ 30.00$ 30.000.56%
LANE CAR CARE$ –$ 30.00$ 30.000.56%
FAIRWAY GROUP$ –$ 29.73$ 29.730.55%
ONE PRICE CLEANERS$ 12.76$ 16.17$ 28.930.54%
SNAPFISH HP$ –$ 28.51$ 28.510.53%
FINE WINES UNLIMITED$ –$ 28.22$ 28.220.52%
PHIL’S PIZZA$ –$ 27.60$ 27.600.51%
HOLIDAY MALL PHOTOS RFNY$ –$ 27.15$ 27.150.50%
SOCIAL bar$ 26.26$ –$ 26.260.49%
RESTAURANT$ –$ 26.18$ 26.180.48%
NEW YORK STATE BAR ASSN$ 25.00$ –$ 25.000.46%
MTA/TBTA AUTO REPLENISH$ –$ 25.00$ 25.000.46%
STAR KITCHEN$ –$ 21.70$ 21.700.40%
FIVE GUYS$ –$ 21.24$ 21.240.39%
PAVILION WINE AND SPIRITS$ –$ 19.54$ 19.540.36%
SUPER STOP & SHOP$ –$ 18.87$ 18.870.35%
EXXONMOBIL CAT OUTSIDE$ –$ 17.82$ 17.820.33%
BURGER KING$ 14.69$ –$ 14.690.27%
TJ MAXX$ –$ 14.57$ 14.570.27%
GROUPON INC$ –$ 13.00$ 13.000.24%
AMAZON.COM SSI MGZINE$ –$ 12.00$ 12.000.22%
RITE AID$ –$ 11.41$ 11.410.21%
STARBUCKS$ –$ 5.27$ 5.270.10%
WENDY’S$ –$ 3.99$ 3.990.07%
TOYS-R-US$ –$ 3.97$ 3.970.07%
ITUNES MUSIC STORE$ –$ 1.98$ 1.980.04%
FEDEX EXPRESS$ –$ 1.11$ 1.110.02%
POLO.COM$ (31.00)$ (31.00)$ (62.00)-1.15%
Total$ 1,606.82$ 3,796.85$ 5,403.67100.00%

Spending Report by Category

Spending Report by SubCategory

I was completely shocked when I read these numbers (like sick to stomach sick), but after reading through them a bit I think I figured out what was going on – we had A LOT of non-recurring payments and payback situations with this month:

  • Our biggest expense $488.82 is a fully refundable gift purchase we got on our CC so one spouse didn’t know about the other’s purchase for Christmas
  • Our second biggest expense $488.80 was the new computer purchase was a business expense that my S-corp paid for.  Also I have a $50 rebate coming in.
  • Our third biggest expense $432.30 was a gift for my father split between my brothers so that was partially refunded ($300)
  • We also received a payback on $162 from Zappos for a gift again, one spouse didn’t want the other to know about.

Right there we have $1,438 that was paid back to us already.  We also had a bunch of one time expenses associated with my son’s birthday and otherwise:

  • Our fifth largest expense (Gymboree) for $319 was a once a quarter expense
  • Our sixth largest expense (Pharmacy) for $269 was a one time fee for an inoculation for me (Chicken Pox) that I have put in paperwork to get reimbursed but no matter what it won’t be repeated.
  • Throughout the statement are entries that are just not normal because of our son’s birthday party and Christmas.

I know it sounds like a lot of justification, but it isn’t I think I just picked an off month to start tracking.  I am hoping my next update late next month will be 50% of this number!