In April, we had an good income month and a low expense month.  We thought we were going to owe a lot of income tax but it turns out we received a $4,174 federal refund and $2,436 state refund.

Our total income in April was $11,008.46.  In addition to my wife’s regular paychecks, she received $96.49 in company reimbursements for internet. We also earned $22.85 in interest income from our savings accounts.

This month, our expenses totaled $5,406.89, however, if you remove our $6,610.00 tax refund, our expenses were $12,115.08.  That’s not too bad considering we usually spend a lot more.  Large expenses included $2,382.25 for household items, $2,143.02 for vacation expenses, and $604.96 for clothing.

In May, we expect to have a pretty standard income and expense month.

In March, we had an excellent income month and a high expense month. 

My wife earned a 3.81% raise, bringing her salary to $197,232, she also received $26,600 in LTI.  So proud of her; the raise started on her 3/15/23 paycheck.  Our total income in March was $17,368.56.  In addition to my wife’s regular paychecks, she received a $11,475 gross ($6,378.32 net) quarterly bonus and $76.88 in company reimbursements for internet.  We also earned $24.24 in interest income from our savings accounts.

This month, our expenses totaled $19,782.83; well above our income this month.  Large expenses included $4,839.51 for auto service, $2,427.06 for vacation expenses, and $796.28 for car insurance.

In April, we meet with our Tax Accountant to do our 2022 taxes.  We will likely owe taxes but we are not sure how much yet.  Hopefully it doesn’t wipe out our small amount of savings and put us into debt.

In January, we had a standard income month and a high expense month. 

Our total income in January was $11,015.84.  In addition to my wife’s regular paychecks, she received $323.98 in company reimbursements for internet (two month’s worth).  We also earned $25.56 in interest income from our savings accounts.

This month, our expenses totaled $11,081.94.  Large expenses included $889 for entertainment, $672 for clothing, and $487 for vacations.

Next month looks like it might be a similar to January.

In December, we had a great income month and an okay expense month. 

Our total income in December was $16,968.65.  In addition to my wife’s regular paychecks, she received a quarterly bonus of $11,475 gross ($6,390.01 net) and $0 in company reimbursements for internet (she will receive it next month).  We also earned $16.15 in interest income from our savings accounts.

This month, our expenses totaled $12,508.03.  Large expenses included $3,230.41 in groceries/dinning (Christmas & New Year’s eve parties), $1,250 in landscape maintenance, $531.43 for vacation.

Next month is the start of 2023 and January should be a pretty typical month for our expenses and income.

In November, we had a standard income month and a good expense month. 

Our total income in October was $11,431.75.  In addition to my wife’s regular paychecks, she received $164.99 in company reimbursements for internet and $685 in company rewards for an incentive program. We also earned $19.27 in interest income from our savings accounts.

This month, our expenses totaled $9,296.00.  Large expenses included $412.15 in doctor visits/prescriptions, $910.23 in entertainment, and $473.61 for personal care.

Next month my wife should receive a quarterly bonus although we don’t know how much it will be.

In October, we had a standard income month and a reasonable expense month. 

Our total income in October was $10,738.59.  In addition to my wife’s regular paychecks, she received $161.99 in company reimbursements for internet.  We also earned $14.10 in interest income from our savings accounts.

This month, our expenses totaled $10,324.21. Large expenses included $810.23 in doctor visits/prescriptions, $350.02 in vacation expenses, and $525 for home repair (irrigation).

Next month is the first month is awhile where we don’t have a large annual bill of some kind due.

In September, we had a great income month and but also a very high expense month. 

Our total income in September was $14,828.24 In addition to my wife’s regular paychecks, she received $66.99 in company reimbursements for internet.  We also earned $18.76 in interest income from our savings accounts.

This month, our expenses totaled $19,037.10. Large expenses included $6,427 for window shutters, $1,123 in boat repairs, in vacation expenses, and $372.99 for clothing.

Next month, we have a $707 boat insurance bill due.

In August, we had a good income month and a high expense month. 

Our total income in August was $11,368.44. In addition to my wife’s regular paychecks, she received $186.44 in company reimbursements for internet.  We also earned $13.60 in interest income from our savings accounts.

This month, our expenses totaled $15,530.92…damn. Large expenses included $3,172.85 in vacation expenses, $802.64 in boat property tax, and $394.81 for clothing.

Next month we have a couple of large car expenses (insurance and registration) but there is a small chance my wife may receive a quarterly bonus from her old company.

In July, we had an an incredible income month and a pretty average expense month. 

Our total net income in July was $31,675.42. My wife started a new job making $190K/year (also a $12K sign on bonus, $40K in annual bonuses and $45K in company stock).  Her old company gave her a final paycheck of $4,204.03 net and cashed out her vacation for $12,302.89 net.  She started her new job part way through July and received $4,724 net in regular paychecks and received a sign on bonus of $12,100 gross (7,734.58 net).  We earned $44.40 in interest income from our savings accounts and stablecoins.

This month, our expenses totaled $9,893.36. Large expenses include $15,981.25 to pay off Wells Fargo credit card, $608.90 for clothing, $566.42 in vacation costs, and $513.91 for medical/prescriptions.

Next month my wife will have her first full month of paychecks at the new company.

In June, we had an average income month and very low expenses. 

Our total income in June was $8,539.70.  In addition to my wife’s regular paychecks, she received $212.07 company reimbursement for internet and toll roads.  We earned $37.62 in interest income from our savings accounts and stablecoins.

This month, our expenses totaled $5,538.86. This is pretty misleading because we received a $6,150 refund for a cancelled vacation. We have begun to book new vacation plans but only spent a few hundred on it so far.  Large expenses included $2,260.15 for home owners insurance, $827.24 for medical/prescriptions, and $944.79 for clothing.

Next month my wife begins a new job making $190K, a $12K sign on bonus, $40K in annual bonuses and $45K in company stock.  So proud of her!