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!

In May, we had another good income month with pretty reasonable expenses. 

Our total income in May was $13,379.22.  In addition to my wife’s regular paychecks, she received an $8,252 gross ($4,816.37 net) quarterly bonus and $238.02 company reimbursement for internet.  We earned $35.37 in interest income from our savings accounts and stablecoins.

This month, our expenses totaled $8,607.67.  Large expenses included $2,235.39 on groceries, $1,100.20 for medical/prescriptions, and $1,081.50 for household items.

Next month should be a typical income and expense month.

In April, we had the perfect balance of a good income month and low expenses. 

Our total income in April was $12,820.67.  In addition to my wife’s regular paychecks (4.05% raise kicked in mid April), she received a third “extra” paycheck and $192.72 company reimbursement for internet.  We received $115.87 in insurance reimbursements and earned $47.00 in interest income from our savings accounts and stablecoins.

This month, our expenses totaled $7,128.37.  So good to see!  Large expenses included $313.07 for medical/prescriptions, and $259.09 for vacation expenses.

Next month my wife should receive quarter bonus of $8,268 gross.  We hope to apply most of it to our 0% credit card balance.

In March, we had a pretty extreme income month and expense month. 

Our total income in March was $15,160.59.  In addition to my wife’s regular paychecks, she received a quarterly bonus of $11,160 gross ($6,513.64 net) and $246.03 company reimbursement for internet.  We received $327.34 in insurance reimbursements and earned $148.46 in interest income from our savings accounts and stablecoins.

This month, our expenses totaled $90,870.14  Our largest cost was taxes ($58,444 federal and $21,360 state) from selling cryptocurrency to pay off our mortgage last year.  Other large expenses included $2,366.14 in vacation costs, $741.88 for six months of car insurance, and $709.71 for medical/prescriptions.

Next month my wife should receive a 4.05% raise bringing her salary to $176,060.  She also earned $7,500 in company stock (vests over 4 years)! 

In February, we had a pretty standard income month and decent expense month. 

Our total income in February was $8,767.03.  In addition to my wife’s regular paychecks, she received $224.42 in company reimbursements for internet.  We received $455.29 in insurance reimbursements and earned $162.18 in interest income from our savings accounts and stablecoins.  My wife was also informed that she will be receiving a 4.05% raise, bringing her salary to $176,060.  She also earned $7,500 in company stock (vests over 4 years)! 

This month, our expenses totaled $9,351.55.  Large, expenses included $850 to register our kids in private school and pay first month tuition, $775.13 for medical/prescriptions and $426.42 for clothing.

Next month my wife should receive a $11,160 (gross) quarterly bonus.

In January, we had a pretty standard income month and an awesomely low expense month. 

Our total income in January was $8,801.91.  In addition to my wife’s regular paychecks, she received $171.11 in company reimbursements for internet.  We received $270.39 in insurance reimbursements and earned $176.95 in interest income from our savings accounts and stablecoins.

This month, our expenses totaled $7,861.87.  That is our lowest expense month since mid 2013! Large, expenses included $1,533.50 for household items, $685 for term life insurance and $416.36 for medical costs/prescriptions.

Next month my wife should receive a quarterly bonus of 11,160 (gross).

In December, we had a pretty standard income month and thankfully an amazingly low month expense month. 

Our total income in December was $8,547.71.  In addition to my wife’s regular paychecks, she received $215.19 in company reimbursements for internet.  We received $333.00 in child tax credits from the IRS and earned $157.91 in interest income from our savings accounts and stablecoins.

This month, our expenses totaled $8,692.62.  That is our lowest expense month since July 2013 (which was $8,300.78)! Large, expenses included $580.96 for medical costs/prescriptions, $489.45 for gifts and $208.78 for clothing.

Next month is the start of 2022 and will hopefully bring continued financial blessings.

In November, we had a great income month but also a high expense month due to the holidays and home maintenance. 

Our total income in November was $19,408.05.  In addition to my wife’s regular paychecks, she received a quarterly bonus of $14,784 gross ($9,708.06 net). My wife also received $227.47 in company reimbursements for internet.  We received $334.00 in child tax credits from the IRS and earned $551.89 in interest income from our savings accounts and stablecoins.

This month, our expenses totaled $14,341.44.  Large expenses included $4,219 for home maintenance (new fence), $1,787 for our tithe, and $545.75 for medical costs/prescriptions.

Next month we have a family Christmas vacation scheduled so our expenses may be even higher.

In October, we had a good income and expense month. 

Our total income in October was $14,098.91.  In addition to my wife’s regular paychecks, she received a third “extra” paycheck. My wife received $184.20 in company reimbursements for internet.  We also received $334.00 in child tax credits from the IRS.  We earned $85.87 in interest income from our savings accounts and stablecoins.

This month, our expenses totaled $12,977.86.  Large, expenses included $864.95 for vacations, $589.27 for entertainment, and $380.13 for medical costs.

Next month, my wife should receive a quarter bonus of ~$13K (gross).  She also may receive her annual raise.