Income & Spending....November Edition

 Now that we are living on an annuity, 401K$ withdrawals, personal savings and social security payments, I am still going to keep track of our monthly spending and income, and hopefully we'll still be able to live BELOW our means and I'll have some leftover monies each month to tuck aside.

We went into retirement in June of 2017 with no debt, no mortgage nor a car payment.

I am trying to be as transparent as I can with how much is coming in and how much is going out. 8-)

On to the November report--

I have 2 goals for November.....

The 1st is to actually finish the month in the black and not the red.

The 2nd is to try to have a little cash leftover at the end of the previous month to tuck back into a slush fund.  This slush fund may be applied toward unforeseen bills that are coming due in subsequent months, to spend on "extras/wants" during the year or to just sit there and grow until the end of 2025.

*  I do not include/report on our retirement accounts here, just the non-retirement ones.

I have to report that we finished up November in the Black.

The amount extra we ended the month of November with?....$3,687.09

Income or Fund in September We Can Access

The "income" in November---

*  Monthly annuity payment of $2,547.75

*  SS income of $3,719.60

*  Interest earned on non-retirement accounts of $1,496.24

*  eBay Profit of $549.95(before fees)

* Extra 401K withdrawal  $1,980.37

Total "Income" for November.....$9,698.61

*  Irregular bills in November were $359.66

*  Variable expenses in November came to $4,933.06

*  Medical Premiums in November $718.80

Total Expenses....$6,011.52

$9,698.61-$6,011.52=$3,687.09

Slush Fund coming into November of $81,984.50 and the addition of $3,687.09 in November, the end of November 2025 Slush Fund comes to $85,671.59*

The Slush Fund, on it's own page(tab at the top of the blog), shows an addition of $3,687.09

*This doesn't count October totals which I wasn't able to do.

Outgo

As for the variable expenses this September, here are the good and bad side of things.....

Here are the GOOD THINGS

*  The WAM was the same as last month.

*  There was no Mastercard bill in November.

*  The water bill was less than last month.

* WIFI was the same as in October.

HERE are the BAD THINGS

*  We had a boarding kennel bill related to the surgery.

*  Wed had a hotel bill related to the surgery.

*  We had a turnpike bill related to the surgery.

*  We had a bank service charge as we changed banks.

*  I bought a 'waterpick'.

*  Sent my sister-in-law a birthday check.

*  We now have a storage bill of $74.20 each month until we move.

*  We had $48.17 in dr. co-pays related to the surgery.

The Food Budget costs for November are in another post which I haven't gotten to yet. Food costs are included in my credit card payments(mainly because I buy the food but sometimes these costs come out of our WAM cash too).

Final Thoughts for November--

Looking ahead to December--the PT is going slowly,  That's what I'm focused on for now. 8-/

So how was your November financially?

Did you spend less than the income you had in November?

Did you stay within your budget or not?

What did you do with any money leftover at the end of the month?

Did you pay down/off any debts or put extra toward your mortgage principle or into savings, in an emergency fund or retirement account?

Or did you blow all your excess monies after bills were paid on a "want"?

If you post your financial progress on your own blog, leave a link in the comments so we can  go check out your progress too and celebrate or commiserate with you!

Sluggy