Little things -

I had plans to go out to dinner with a friend tonight, and had made plans to have lunch out with a coworker tomorrow. I figured that it would be $15 for dinner, with tip, and another $7 for lunch tomorrow. 

My friend ended up picking up tonight's dinner tab, and my coworker asked if we could just bring lunch from home and eat together at the office instead. So that's $22 saved! 

I probably should have saved the $22, but instead I swung by the store to pick up a few items. Bottled water (we refill jugs at the store, so it's pretty cheap!), air freshener for my car (still trying to mask the spoiled milk odor!), and some containers for organizing shelves. 

I also found some jersey sheets on clearance for only $7, and picked up a set. I normally pay around $20-25, and had actually just bought some on sale a few weeks ago, but I couldn't resist such a great deal. My total ended up being $31, which I thought wasn't too bad... 

Sloppy Spending

I sat down with the intent of totaling up everything that we've spent money on this month.

The mortgage, car and student loan payments are fixed amounts and are easy to budget for. Utilities fluctuate a lot by season, but it's also fairly easy to predict. Groceries and gas are even more variable, but I've always just taken the viewpoint that whatever it is, it is. If I go to Walmart and the grocery bill is *gulp* $250, oh well. And if I only spend $30 on groceries for another week, excellent. It sort of balances out in the long-term anyways.

Same with automotive gas - it doesn't matter whether it's $1.50/gal or $4.25/gal, I still need to drive to work everyday. I don't have the option of public transit (there isn't any), and I can't bike or walk that far. So last summer, when gas prices were at an all-time high, we were spending close to $500/mo on gas. We tried to cut back on groceries, and we stopped leisure drives, but mostly we reallocated the money that was supposed to go to credit cards, and used it to cover the increased cost of fuel.

I looked through the joint checking online account log, finding very few charges. We also have separate (individual) checking accounts, so I looked through my account transactions. Then I looked through my husband's checking account. Found more charges, but definitely not everything - I could only find $47.90 worth of grocery bills since June 1st, and I know I've spent more than that. Likewise with gas.

We also each have a few rewards credit cards, and we tend to use them (and then pay it off) for month-to-month expenses, just to capture the extra rewards points back. I looked through the statements for each of our accounts, and found more charges.

So far the totals are at a bit over $200 in automotive gas, $75 in groceries, and almost $100 in lunches out... since June 1st! The first two don't worry me (gas was about what I thought it would be, groceries were slightly less than I expected), but I hadn't realized how much we've wasted on eating lunch at restaurants while at work.