We spent 9 days in Oahu for Spring Break. It was the longest flight that the kids have taken. I started planning this trip a year out. I booked the hotels, on points once I know that dates of the kids break. Being in Seattle, most families spends their break in Hawaii (or Mexico) and I know that it will be a high season. For this trip, we spent $2,483.30. It is low because our flights, hotel and car rental were all booked with points. Without these, we will probably need to add an additional $5k on that amount.

I am also officially retired again. I completed my second year, managing a Tax Site for VITA. It was a pretty good and a very relax gig. Our site was not as busy as my previous tax site, but I prefer that. I never felt “taxed” coming home. We had our end of year celebration at a local Mexican place. The food was better than I expected and the company was great as well. I hope that majority of my volunteers come back.

We also attended AHP’s friends birthday party. We are at a point that we are attending more of our kid’s friends birthday party than hanging out with our own friend. That said, it is nice to see some families at our previous coop. Lastly, MBP’s campfire troupe had a Pinewood Derby at our local park. He had a lot of fun decorating it and looking at the brackets. He narrated what’s going on for everyone.

This month, we spent $4,958.09. It’s about time that we spend more than $4k. Let’s take a look.

Description	Amount
Travel	1669.16
Healthcare/Medical	714.79
Groceries	488.48
Home Maintenance	382.55
Education	323
Pets/Pet Care	229.69
Utilities	210
Automotive	178.25
Clothing/Shoes	137.21
Gasoline/Fuel	118.77
Home Improvement	101.58
Kids Activities	97.3
HOA	84
General Merchandise	65.16
Gifts	55.53
Charitable Giving	41.3
Alcohol	17.55
Mobile Phone	17.2
Internet	13.92
Dues & Subscription	7.65
Service Charges/Fees	5
Total	4,958.09

Travel – $1,669.16

This is the amount of money we spent in Hawaii during our trip. We spent $444 for a valet parking in our hotel. I could have parked next door and spend half the price or even less, but I like the convenience. I drove around the block with the intention of parking on the next door garage, until I realize that it is not worth it. At least not to me. I prefer the convenience of having the car in front waiting for us once we are ready for the day’s adventure. Even with this cost it didn’t really break the bank. I also find myself “spending” and fighting my nature to be frugal on everything. We ate out for dinner on all nights except for one where we order in a pizza. I had the best poke bowl and the best ramen in front of Waikiki. Yes, those are expensive, but it is ok. We spent $40 on 1 coconut and 2 mangoes from a street vendor on our way from Kualoa Ranch. That is also ok. I actually prefer to spend my money giving it to the hands of locals. Oahu, just like any other cities in the US, are not immune to social issues even though they are living in a paradise. You can tell that there are parts that are pretty run down. If you look at Waikiki, I’d be willing to bet that majority of the people who own the condos were not locals. This means, that the money doesn’t really stay in the community. When you look at houses in Oahu, the school rankings around it are very low. I feel that Hawaii is a playground of folks living in the West Coast (mainly California) or Japan. The rest of our spending was for food, transportation, souvenirs and tips. I paid for our GoOahu Pass in the previous month, so it is not here.

Anyway, I’m already planning our trip back next year. This time in Maui. I’m getting better at getting more value on our points, but Maui will be trickier. There are less hotels in the island and I’m still not sure if they are back to normal after the devastating fire in 2023. If not Maui, perhaps Florida coast.

Healthcare/Medical – $714.89

We are still paying some bills from Mr. MMD’s colonoscopy that happened last year. The last bill was $498.8 We also paid our health insurance for $99.48, vision insurance for $5 and our dental insurance for $77.52. Our dental insurance is actually good through end of June. I bought another box of eyedrops from Costco for $20.25 and some gummy vitamins for the kids for $13.74.

Groceries – $488

This is low because our “grocery” spending in Oahu were categorized as travel related.

Home Maintenance – $382

We hired a plumber to fix our outside faucet so we can water our front yard. My hope is to xeriscape our front yard at some point. It is small, but I’m not sure if HOA will allow a no grass front lawn.

Education – $323

AHP’s preschool tuition. This will go up to $355 next year. I can’t believe it’s almost summer. One more year for him and he is off to Kindergarten.

Pets/Pet Care – $229.69

Our furbaby had vet visit for $145. We also ordered her food from Instacart (affiliate link). This is the second time that I ordered her food there. Petco has a same day delivery with in-store pricing for Instacart. They also usually run deals. I was able to stack it by buying a discounted GC at Raise (Affiliate link). I got $100 GC for $84.69.

Utilities – $210

Water, sewer and garbage. Nothing new here. Our electric and gas were paid in May.

Automotive – $178.25

Annual registration for our 2011 Toyota Prius.

Clothing / Shoes – $137

I got the boys a minimalist shoes from Amazon. AHP has a very wide feet and I’d like to keep their feet on a wide splayed shoes, zero drop shoes. I found one at Amazon that is reasonably priced and bought 2 for $72.9. I also got the 3 of us (boys and I) some flip flops from target to use in Hawaii. AHP ended up hating them and didn’t even wear it in Hawaii. I got them some toe socks as well, a biker shorts for me from Costco on sale at $10.98. Lastly, I paid $15 to consign the kids stuff at a consignment store. I think I’m getting $60 back. I’m not sure if it is worth it, since I have to tag all the items and put it in the system. That said, it is nice to finally get rid of all their stuff in one go. The Prius was packed! I can’t believe we accumulate those items, considering I’m very careful on things I buy, since I know that I need to store them somewhere!

Gasoline/ Fuel – $118.77

We gas up our Prius twice and our Jetta once.

Home Improvement – $116

Some stuff from Lowes and Costco. I think it is the soil for our garden bed.

Kids Activities – $97

4 tickets to the Tacoma Rainer’s game and painters tape from Home Depot.

HOA – $84

To pay for our playground and trails. I do hope someday it will go away.

General Merchandise – $59.61

Random stuff from Costco, Amazon and Walmart. Delta also broke a wheel on our Uppababy Vista. Luckily they reimbursed us for it. They are also very quick to respond. One wheel was $51.45. Mr. MMD also bought some games.

Gifts – $55.53

Gifts for MBP and AHP’s friends. I typically spend $20 per person for gifts. Sometimes less if I can find something interesting at the dollar store.

Charitable Giving – $41.30

MBP has another fundraiser at his school and he just need to get those key chains. We donated the minimum. I don’t mind the charity drive, but I don’t think it is teaching the kids that it is for a certain cause. MBP just want the key chains!

Alcohol – $17.55

For Mr. MMD. I do get wine from Trader Joe’s as well for my monthly book club.

Mobile Phone $17.2

We are still at Xfinity Mobile. This is for 2 lines using about 1gb of data.

Internet – $13.92

We should be getting lower internet package from Xfinity going forward.

Subscription – $7.65

Monthly Prime Membership

Fees – $5

Chase fee of $5 for the Savings Account that I opened to get the sign up bonus. I received $900 sign up bonus by opening both Chase Savings and Checking account and having my paycheck directly deposited to it. I closed it now and transferred the balance to a high yield CD. I still net positive even with the fees.

Overall spending for April is less than I expected considering we went to Hawaii.

March brought us the start of spring. These are the days that makes it worth it to live here in the Pacific Northwest. We might endure the long and gloomy days but the gorgeous days like the ones we have in March totally make up for it. We have more appreciation of nice weather and we were outside as much as we can utilizing our neighborhood playgrounds.

This month, MBP was invited to a birthday party with his friends at an arcade/bowling place. The kids got some cards to play with the arcade for a couple of hours, pizza and cake. We also went to a local high school for “Easter Egg”. The kids saw the Easter Bunny and some princesses.

This month, we spent $3,912.8. Another month under $4k, which is good. Let’s take a look.

Description	Amount
Groceries	823.92
Healthcare/Medical	538.63
Automotive	447
Education	323
Utilities	306.99
Kids Activities	293.34
Home Improvement	289.14
General Merchandise	203.52
Charitable Giving	200
Alcohol	110.3
Dues & Subscriptions	104.21
HOA	84
Restaurants	69.68
Clothing/Shoes	33
Gasoline/Fuel	26.58
Gifts	20.13
Mobile Phone	17.2
Pets/Pet Care	14.16
Travel	8
Total	3912.8

Groceries – $823.92

Our grocery spending in February was low, so this probably average out with 2 months. We didn’t buy anything out of ordinary this month. We still shop at WINCO and Costco and hardly price compare.

Healthcare/Medical – 538.63

Mr. MMD got a new retainer. This is specifically fit him by his dentist. It cost $450. He also paid $50 deductible for his last dental cleaning. I paid $5 for my vision insurance and $33.63 for some lab exams. We paid our health insurance through a gift card by having enough rewards from preventative care. Our dental insurance was paid February.

Automotive – $447

I switched from Geico to Progressive. The last bill from Geico was $673.37 for the same policy. We saved over $200 by getting other quotes. I thought about getting our insurance from Lemonade which charge you a “per mile” insurance. We might go camping this summer and might drive more. I ended up signing up for Progressive. The bill is the 6 month insurance for our 2011 Toyota Prius and 2011 Volkswagen Jetta. We only have liability and personal injury protection.

Education – $323

AHP’s preschool tuition. He goes 5 days a week for 3 hours.

Utilities – $306

Our electric and gas were $181.72. This should go down as the weather warms up. Our sewer is flat at $69.41 and water bill was $55.86.

Kids Activities – $293

I signed up MBP for a summer camp for a week this coming summer. We like to stay local to enjoy the glorious weather here in the Pacific Northwest, but it will be good for him to go to some camp at least for a week. I also got some stuff for easter from the dollar store for $19.16. We got the kiddos some items from the Scholastic Book Fair for $13 and lastly, we got MBP’s class some items requested by his teacher for $11.18.

Home Improvement – $289

Some more items for the yard, some wood for another planter and some plants from Costco.

General Merchandise – $203.52

Catch all from Costco and Amazon. These are items like toilet paper, paper towels, new pan or anything that we don’t want to categorize.

Charitable Giving – $200

Church offering for March. Both MBP and AHP joined me to church on some Sundays. They get a choice if they want to go. Sometimes they do, but sometimes they don’t.

Alcohol – $110

A wine for my book club and Mr. MMD’s liquor and beer from Costco.

Dues and Subscription – $104.21

I signed up for a year of ad-free HBO max. They are having a sale and I was able to avail a $25 statement credit from Chase. Total for the year were $89.96. Our Amazon prime were $7.65. I also paid for a month of Paramount Plus. I forgot to cancelled my free subscription.

HOA – $84

Our HOA fee to maintain the 20+ miles of trails and numerous playgrounds in our neighborhood. I’m still not a fan of HOA, but we uses the trail almost every day to go to school. We also definitely enjoy the playgrounds.

Restaurants – $69

We went to our local Diner after the easter egg hunt. The kiddos also visited the same place for some milkshakes on one sunny Saturday. Included here as well were MBP’s hot lunches for school. We started letting him having hot lunches from school once a month. I put in $11.25 on his account. This is about 3 lunches.

Clothing – $33

I got MBP new shoes from REI, which we might return. I’m still not sure.

Gas – $26.58

One tank of gas for our Prius.

Gifts – $20.13

A gift for MBP’s friend for his birthday.

Mobile Phone – $17.2

A gig of data for 2 lines from Xfinity Mobile. I just received an e-mail that this will increase soon.

Pets – $14.16

Our furbaby’s compostable poop bag.

Travel – $8

Deposit for our Catamaran Tour and Kualoa Ranch Tour for our trip to Hawaii.

Another month had passed and we are slowly starting to get out of the gloomy season. This month, we celebrated Valentine’s Day, AHP’s 4th Birthday and MBP’s first time selling Campfire Candies.

Valentine’s Day is a big day at the kid’s school. This day is basically all about them now, with all the hearts, sweets and classroom celebration. The boys handed out some Valentine’s Day cards for their classmates. I printed out some Valentines Day Cards at home glue it on a construction paper. AHP wrote his name and MBP addressed 24 cards for his classmates. I have to bribe AHP to write his name and hold the maker correctly. There were some tears involve doing his cards. The boys got a ton of kisses from Christmas. I taped one per card. The kids came back home with more sweets and they are not even done with their Christmas Candy.

The next day was AHP’s 4th birthday. He was so excited! We brought some donuts to his school per his request and had a celebration at home that weekend. I went to the dollar store and got him some balloons and a couple of truck for his birthday gift. The balloon was such a hit! I have to keep reminding them to take turns. It was a solid effort for them. The boys helped me make some cupcakes for the weekend celebration. MBP got a new marble run, some more cars and $$$.

We also got busy with the annual fundraising for Campfire. MBP sold some candies. He sold quite a bit of boxes at the grocery store. We also went door to door here in our neighborhood. His goal was to sell 45 boxes of candy and he ended up selling 125. He was very upbeat in the grocery store and wasn’t bother with some rejects. He had fun, but I’m glad its over.

We also had a long weekend to celebrate the Presidents Day and I continued preparing taxes for VITA. I also completed ours and my brother’s tax returns. We got another refund this year, mainly because of the energy rebate for our heat pump.

Our spending is the lowest at $1,957.64. I’m pretty sure that the last time we spent under $2k was during the pandemic. I’m just seeing this now too, so let’s take a look at our spending.

Desrcription	Amount
Groceries	550.76
Utilities	346.92
Education	323
Kids Activities	157.33
Home Improvement	93.38
General Merchandise	86.86
HOA	84
Gasoline/Fuel	70.14
Clothing/Shoes	68.98
Healthcare/Medical	64.01
Restaurants	45.71
Internet	26.44
Mobile Phone	17.2
Dues & Subscriptions	7.65
Gifts	6.02
Hobbies	5.24
Travel	4
Total	1957.64

Groceries – $550.76

It’s low, probably because there’s less days in February. Nothing unusual here aside from the Girl Scout Thin Mint Cookies. I bought 3 boxes from the girls that knock on our door. Cookies are now $6 per box, just like our Campfire candies.

Utilities – $346.92

Our electric and gas was $142.14. It was a bit higher because it was cold. Our garbage was $81.24. Sewer is flat at $69.41 and our water bill was $54.13

Education – $323

Monthly preschool tuition for AHP.

Kids Activities – $157.33

We donated $100 for MBP’s Readathon. We also got some campfire candies ourselves. I got MBP a tennis racket and 18 tennis balls from Walmart all for $27.33. We went to our local high school tennis courts and the boys tried to hit some balls.

Home Improvement – $93.38

I got a dozen of solar path lights from Costco. Turned out that I don’t like it, so this will get return in March. Mr. MMD got some stuff from Lowe’s

General Merchandise – $86.86

These are catch all which includes Amazon orders, household supplies from Costco like toilet paper, paper towel, etc. I don’t really track this too much.

HOA – $84

Flat fee per month that will most likely increase next year. We do enjoy the trails and playground.

Gasoline / Fuel – $70.14

We filled up twice, one for Jetta and one for Prius

Clothing – 68.98

Mr. MMD ordered a bunch of shirts.

Healthcare/ Medical – $64.01

Dental insurance was $38.76 and my vision insurance was $5. I also got some preservative free eye drop from Costco. It was on sale and cost $20.25 for 100 vials. This should last me for at least 3 months.

Restaurants – $45.71

We went to McDonald’s once after MBP completed his Campfire Candy Sale. The donuts for AHP’s birthday were $27.41

Internet – $26.44

Xfinity has been charging me for an equipment rental. This should be lower next month.

Mobile Phone – $17.20

We are still on the same plan at Xfinity. This is for 2 lines using under 1GB per month.

Dues and Subscription – $7.65

This is for Amazon Prime. We get the most use of this through music using Alexa.

Gifts – $6.02

Dollar tree gifts for AHP.

Hobbies – $5.24

I bought the Kindle version of Fourth Wing. I found this book through the book club and got a bit obsessed with it. I probably read this book more than three times by now. I also read the 2nd book, Iron Flame. I got the book from the library.

Travel – $4

Deposit at Kualoa Ranch for our tour this upcoming Spring Break.

February has been good so far and I’m looking forward to Spring! How’s your month?

First month of the 2024 felt very long and short at the same time. We had a low key New Years Eve Celebration. Our local library had a Happy Noon Year celebration. The kids did a countdown and had some bubbly drink. It was surprisingly nice that day so we also visited our local playground. For the actual New Year’s countdown, we watched the London countdown on You Tube so AHP can see it before his bed time. We also watched the New Years countdown for MBP. For dinner, we had burgers and tots. The grown ups were also in bed before midnight. It was glorious. It is actually hard to think that I used to go out on parties for New Years pre kids.

The kids went back to school and I welcomed our daily walk routine. MBP now built a stamina to walk back from school. The hill was hard to begin with, but we took it slow and I’m glad that I don’t have to push the stroller from school.

I also turned 38 this month. I celebrated it with my family with a cake and a special dish request from my parents. Mr. MMD, MBP, AHP and I also went to Red Robbins for dinner. I got my free dinner. I also purchased a discounted GC from Raise right before we went. The total of our dinner out was about $10.

Tax season also started and I’m officially employed. I managed a tax site, preparing taxes for low income people. January was still slow, so I never worked more than 10 hours a week. The site is open 2 days a week for 4 hours. I’d say that it really is a great part time work for me.

So for January 2024, we spent $3,652. It’s been a while since we spent less than $4,000 and I was actually surprise. Let’s take a look at our spending.

DESCRIPTION	AMOUNT
Travel	901.32
Groceries	684.59
Utilities	417.14
Education	323
Healthcare/Medical	202.39
Home Improvement	202.21
Gasoline/Fuel	121.68
General Merchandise	138.22
Dues & Subscriptions	102.65
GIFT	100
Personal Care	91.19
HOA	84
Pets/Pet Care	77.32
Mobile Phone	53.2
Restaurants	49.52
Clothing/Shoes	46.64
Internet	22.87
Gym	22
Kids Activities	12.97
TOTAL	3652.91

Travel – $901

I bought four, 3 days All Inclusive Go City Pass for our Spring break trip in Oahu. The 2 adults and 2 kids price is $814.14. I bought the tickets at Undercovertourist.com and got some cash back from Rakuten. I priced out the single tickets for the attractions that we visited and we will save more than $1k by paying for the Go City Pass. Mr. MMD also got a TSA Pre check for $78. I finally had my Global Entry Interview. I paid $8 for the airport parking. Lastly, I booked our car for our Oahu trip. I used point but paid $$1.18 using my Chase Sapphire, to ensure that I get the insurance. Our trip to Oahu is set. Our airfare and hotels were all booked using points and cost us $0. I’m looking forward to this trip.

Groceries – $684

Our groceries were typical. We buy our food at WINCO and Costco. Lately, we’ve been buying some items at Walmart. I also bought a dozen spaghetti, a dozen spaghetti sauce, a couple of our wedding wine and some flowers at Trader Joes. My tax training was in Seattle, close to Trader Joes and I took the opportunity to stock up.

Utilities – $417

We had some really cold days and our electric and gas bill showed this with a spending of $214.89. Our trash bill was $81.24. Sewer was $66.46 and our water bill was $54.55.

Education – $323

This is MBP’s monthly preschool tuition expense.

Healthcare – $202

I visited an optometrist twice last January and paid $80. This is an in-network optometrist. I’m still trying to find the root cause of my sudden dry eye and unfortunately it is still on-going. I paid $38.76 for our dental insurance, $51.25 for various co-pay for lab exams. My prescription eye drop was $10. I also paid $17.38 for OTC eye drops for my dry eye. Lastly, I paid $5 for my eye insurance.

Home Improvement – $202

We installed bidets for our 2 other bathrooms. We only had it in our master bedroom, but decided that we really liked it and want to have all the toilets to have a bidet. The bidets were ordered from Tushy. I just have to write the name of the company because I think it’s genius.

Mr. MMD also have to go to Lowes to insulate our gas pipe outside. Houses in Pacific Northwest were not build for real winter condition. The weather has been changing and we are now experiencing REAL winter. The pipe froze and our furnace stopped working. Mr. MMD was able to diagnosed and fixed it. I hope that this doesn’t happen again for the rest of the winter.

General Merchandise – $138

Various items that I don’t even bother to categorize. This is the catch all.

Gas – $121

I’ve been driving more becasue of work and training so this is for the gas of 2 cars.

Dues and Subscription – $102

My Chase Sapphire Credit Card Annual Fee was $95. This card is a keeper. We also paid $7.65 for Amazon Prime.

Gifts – $100

This was a Christmas gift for my sister. She didn’t cash the check since January.

Personal Care – $91

Mr. MMD bought a bar for our garage gym and it cost $65.69. I’ve been using it as well for strength training. I also got a haircut and paid $25.5.

HOA – $84

This keeps on going up, but hey, we have a really nice trail and playgrounds.

Pets/ Petcare – $77.32

Our fur baby’s food from Chewy.

Mobile Phone – $53

We used more than 1gb of data in December.

Restaurants $49.52

Mr. MMD met up with his buddy in Seattle for dinner and Kracken Game. I purchase $50 Red Robbins GC at Raise for $15.14. I still have $9 left on the GC.

Clothing – $46

Some clothing for me, Mr. MMD and MBP.

Internet – $22

This should actually be lower since I found out that Xfinity was erroneously charging me for an equipment fee.

Gym – $22

Mr. MMD went to a pick up hockey game.

Kids Activities – $12.97

MBP’s school had a bingo party and asked for canned pet food as a donation. These are the pet foods. The event was actually pretty cool. We had chips, pizza and water. MBP won a book and was so excited when he got a Bingo!

That’s our first month in 2024. How’s yours?

We wrap up 2023 with some traditional and low key celebrations here at home. Although it is enticing to go elsewhere and escape the gloomy weather, we prefer to stay home and have our annual traditions, celebrating Christmas here with our family.

The month didn’t necessarily start well. I experienced another bout of pink eye. I was quarantined for almost a week in the room to prevent the kids from getting it. Luckily none of my family members got it. Just after that, Mr. MMD were out of commissioned for almost a week with some cough and chills. At first, I thought it was COVID, but luckily it wasn’t. It still didn’t feel good.

The kids, luckily didn’t get anything aside from some snot and mild cough. At home, they opened their lego Advent calendar and we light up our Menorah for the Chanukah. We put up the Christmas tree, played dreidel and listened to a lot of Holiday Favorites through Alexa. During the start of the break, we drove north and saw the Snowflake Lane in Bellevue. Similar to last year, we made a day out of it and went to Children’s Museum. This year, we also went to a toy store and the boys got something from us. Usually, we eat out at Cheesecake factory, but since this is the first day of the break, it seems that half of Seattle thought the same. We ended up eating an overpriced Greek food inside the mall. AHP was disappointed because he LOVE cheesecake, but luckily he was ok with it. We also got them an overpriced light up balloon, which broke the next day. Now, they know that we will no longer be buying those things next time. I also know to make a reservation at Cheesecake factory next year.

Aside from Holiday festivities, I also attended my book club and started tax training for the upcoming tax season. Similar to last year, I will be managing a tax site and prepare taxes for low income folks. I’ll only be working for 4 hours, 2 days a week. I usually clock in more hours and try to help out during busy times. It was a very rewarding experience. It’s not something that I do for a paycheck, but I do cash it.

For this month I will write about our total expenses for the year, instead of our monthly expenses. I’m still getting used to Empower to track our expenses. I’m not sure if I like it, but I’m giving it a try. For this annual expense, I used Mint, probably for one last time.

In total, we spent $81,511.22. We spent 9% more or $7,582.69 more than 2022. I want to say that we loosen up on spending this year, but this is probably more normal. There were one time expenses, like putting up a heat pump but you can say that every year. Our house is 10 years old. I expect that we will need to replace some appliances starting next year. We also spent more on travel this year. We went on Alaskan Cruise and visited almost every theme park in Southern California. This is a lot different than our camping trips in 2022 and significantly more expensive. We also live in a state with high cost of living. Even day to day expenses are just more expensive in general.

Alright, so where did our money went and how did it compare to last year?

CATEGORY	2022 Spending	2023 Spending	Difference	% Difference
Home	$2,126.21	$21,143.00	$19,016.79	894%
Food & Dining	$10,483.75	$11,350.11	$866.36	8%
Travel	$2,405.73	$6,809.96	$4,404.23	183%
Gifts & Donations	$6,114.80	$6,623.83	$509.03	8%
Taxes	$27,224.42	$6,231.80	($20,992.62)	-77%
Health & Fitness	$4,743.79	$6,058.13	$1,314.34	28%
Kids	$5,317.24	$5,851.43	$534.19	10%
Auto & Transport	$3,527.41	$5,323.57	$1,796.16	51%
Bills & Utilities	$4,333.60	$4,163.80	($169.80)	-4%
Shopping	$3,102.42	$3,581.79	$479.37	15%
Pets	$1,620.28	$2,775.09	$1,154.81	71%
Fees & Charges	$954.74	$476.73	($478.01)	-50%
Business Services	$40.56	$444.15	$403.59	995%
Personal Care	$468.92	$399.55	($69.37)	-15%
Entertainment	$1,464.66	$278.28	($1,186.38)	-81%
Total	$73,928.53	$81,511.22	$7,582.69

Home – $21,143

This is the highest category of our spending this year, up by $19,016.79 from last year, an 894% increase. This year, we installed a new heat pump, added a shed in our backyard and bought a new couch, a new latex mattress and a new queen size bed. All of it definitely add up. That said, we also use all of it on a day to day basis. There were some small items we bought this year like 2 apple trees and 3 blueberry bushes. The rest are annual items like home insurance and HOA dues.

Food & Dining – $11,350.11

This is $866.36 increased from last year or 8%. This is not bad, especially since this includes food and dining while we travel. Groceries clocked in at $8,857.27 for the year. We ate out more as well with $1,715.8 spent at restaurants and $541.46 at fast foods. Coffee shops were only $84.52.

Travel – $6,809.96

We spent more on travel this year with an increase of $4,404.23 or 183% increase from last year. Our travel is a little different this year. We went on Alaskan Cruise, which is not the cheapest. We also went to San Diego and visited a ton of theme parks and went back to Disneyland in the beginning of the year. I actually prefer this type of long vacations instead of 2-3 nights camping trips.

Gifts and Donation – $6,623.83

This also increased by $509.03 or a 9% increase from last year. $5k were our annual gifts to my parents and the rest are donations / gifts for Christmas. I do feel more generous this year. We are pretty fortunate, so it is good to share it.

Taxes – $6,231.8

At least our taxes decrease significantly by $20,992.62. We only paid for property taxes. In fact, we received a refund on our 2022 taxes.

Health and Fitness – $6,058.13

Our health and fitness spending increased by $1,314.34 or a 28% increase. I spent $1,183.2 on Eye care. I had a couple of bouts on pink eye last year, which leads to dry eye symptoms. I’m glad it was caught early, but I had a hard time finding an in-network eye doctor. Fortunately, I found one this year, and I’m hopeful that this eye issue will be fix. We were also a member of YMCA for about 9 months last year and spent $1,052.92 this year. We no longer have this membership, but will most likely return during the summer to sign up the boys for swim lessons. Our health insurance were $884.22 for the year. We signed up for a gold plan with a monthly premium of $99.58. We received some “rewards” by getting our annual exam and having some preventative care. We used those rewards to pay for some month’s premium. We just got more rewards which will pay for at least 3 months worth of premium this year. Mr. MMD went back to play hockey. We also have some various doctor payments from various visits with a total of $874.88. We paid more on prescription this year, with the biggest one being my eye drop for my dry eye syndrome. I am hopeful that this will go down eventually with our spending mostly focus on preventative items.

Kids – $5,851.46

This also increased by $1,314.34 or 10%. The biggest one is preschool expenses which is $3,056. We bought a fancy chair for AHP and a fancy bike for MBP. The rest are random items. This is pretty minimal. It might go down once AHP is in Kindergarten, but might also increase since they might be interested on more activities.

Auto and Transport – $5,323.57

We spent 51% more or $1,796.16 this year on our cars. Our 2 cars needed some service this year. The Jetta’s parking break got stuck while the Prius A/C needed some repair. Our 2011 Prius might also need some service this year as it reach 120k miles. This is our everyday car. I’m hoping that we can get another 5 years with this car before we need to get a replacement.

Bills and Utilities – $4,163.8

I’m surprised that this decreased by $169.8. A decrease of 4%. We installed Google Nest this year and a heat pump, so perhaps we are more efficient.

Shopping – $3,581.79

This increased by 15% or $479.37 more from last year. This is just various shopping items, include clothings and electronics.

Pets – $2,775.09

We spent $1,154.81, a 71% increase from last year. Our fur baby had her teeth cleaned and had tooth extract, which is basically the reason of the increase.

Fees and Charges – $476.73

This decreased by $478.01, a 50% decreased. We closed a couple of credit cards with annual fee. We are still earning points. Our flights and hotels in Hawaii for this spring break are all paid by points. I just keep earning, so we should have enough for more trips.

Business Services – $444.15

I spent $403.59 more this year because it is a renewal year for my CPA certification. I also pay for a CPE subscription to get my CPE hours.

Personal Care – $399.55

Some toiletries and haircut.

Entertainment – $278.28

Some games, movies, our state park passes, etc.

We spent more, overall, but nothing extravagant. Unfortunately, I had some eye issue that I’m still dealing with and our healthcare expense seems to be increasing over time. Perhaps, this is a good preview as we age. I’m hopeful that with the right lifestyle, this spending doesn’t increase over time.

We are coming on our 5th year of retirement. I no longer think about going back to work full time. I like the slow paced lifestyle. I still struggle with the gloomy weather and we still haven’t find a community here. COVID of course didn’t help as everyone stay in. I am just now meeting more people through the kid’s school and my book club.

Happy New Year! Here’s to hoping for a great 2024, better health, finding real friends and new experiences.

We had a busy November ending with a nasty germs that took our household. As of today, Mr. MMD is recovering from some nasty cough. A week before I had a pink eye with some mild fever beforehand. The boys also have a never ending snot.

Aside from the germs, we had a good November. We had our annual holiday picture taken this month at JC Penney. I purchased a groupon deal that includes 3 Digital Images and 1 print out. The photographer was really trying to upsell us this time, but I stick with the 3 digital images. It was an easy decision because there weren’t a lot of good images to choose from. The photographer was not very good with the kids. I was lucky to get 1 good family shot.

We also went to the Zoo this month. We got our tickets from Camp Fire. MBP is part of it and they gave out free tickets to the Zoo. They also got a badge by completing some of the scavenger hunt. The zoo already have some lanterns at the time and they are starting to decorate for the holidays.

The kids also met Santa at the Bass Pro Shop. We got a free photo print out and a “movie”. It is unfortunate that they don’t give out a free digital image. It was my first time visiting the store. It is huge like an REI, but catered more towards hunters, fisherman.

We were also in Central Illinois for 9 days, visiting family. We flew direct to Chicago and drove for almost 3 hours to Bloomington area. The kids are pro at travel by now and did great. In Illinois, the kids were able to run around the corn field, visit the Children’s Museum and spent some quality time with their grandparents.

In terms of finances, this month we spent $3,672. This is the first time that our spending was lower than $4k. I also started using Empower, aka Personal Capital to track our spending. I’ve been using Mint for this blog, but Intuit is sunsetting the app, so I’m switching to Empower. We use Empower to track our net worth so all our accounts are there anyway, but it is also more granular on categories. Anyway, here it is…

Healthcare/Medical – $741.24

Mr. MMD had a colonoscopy this month and paid $350 copay. I’m sure there are more bills to come next year or so. I also purchased a transition glasses from Zenni. It was very affordable at $145.24. I’ll write a review after a couple of months of usage. My doctor’s office was about to charge me $400+ for the same glasses. I paid $164 for my eye exam for a new eye prescription. Mr. MMD had a prescription co-pay of $100 after his colonoscopy as well. I also took MBP to an eye doctor to get his vision check. The doctor doesn’t seem concern with his vision. I’m hoping that none of my kids will ever need some glasses.

Groceries – $632

We usually spend $800+ on groceries. This is low because we were visiting family for 9 days and they fed us for free!

Travel – $352

We rented a car through Costco for $349. $4 are for the tolls.

Education – $323

Monthly preschool tuition for AHP. He goes 5 days a week for almost 3 hours.

Home Improvement – $258

I bought 2 apple trees and 3 blueberry bushes to be planted in Spring for $255.31. There is also some charges at Lowes for $2.50

Electronics – $252

Mr. Mmd bought a new monitor for his computer.

Health Insurance – $145.98

Our health insurance is $99.58. Dental Insurance is for $41.4 and my eye insurance is $5.

Utilities – $251

Our gas and electric bill were $137. Sewer were $67 and water were $48. All normal for the month.

General Merchandise – $148

I bought a latex pillow at Latexforless for $75.56 and another slim latex pillow at Amazon for $32.81. I also bought a couple of books at goodwill for our book club book and wine exchange and some bath soap for the boys on subscription from Amazon was delivered this month.

Health Insurance – $146

Our monthly health insurance for $99.58, dental insurance for 41.4 and my vision insurance for $5.

Restaurants – $146

We ate out on our travel days. We also had a take out from our favorite teriyaki place one day.

General Merchandise – $114

This is a catch all of everything else. I bought 2 books from Goodwill for a book exchange for our book club. I also bought 2 new pillows, one from latex from less and another one from Amazon. So far, both are good.

Automotive – $97

This is the annual tab renewal of our 2010 Volkswagen Jetta

Gas – $93

Majority of this were from our trip to Central Illinois.

HOA – $79

Monthly HOA. This will increase to $84 next year

Christmas Cards – $66

I printed out our Christmas cards from Canva. I also got some stamps from USPS and the shipping fee from JC Penney of our Christmas photo.

Gym – $43

I registered for a 5k run here in our neighborhood which will happen in December.

Kids Activities – $35

The kids got some books from scholastic. We also got free tickets from the Woodland Park Zoo, but paid for parking.

Mobile Phone – $17.2

We only used 1 GB of data for this billing.

Pets/ Pet care – $15

I used the Instacart credits and purchased our furbaby her dog food. This is usually $70+.

Dues / Subscription – $7.65

Monthly Prime subscription.

Hobbies – $2.01

Google Cloud Platform for this blog.

School started for both kiddos. For the first time in many years, the house was quiet for a couple of hours in the morning. It was a little weird not having the kids at home, but it is nice to do have some time to actually do some work.

We continue to do some work around the house this September. We, really means Mr. MMD. In September, he finished putting up the shed and put the insulation back in our crawl space. Apparently, a big chunk of the insulation fell to the ground because nothing is holding it up. Mr. MMD, managed to fixed this. Hopefully, it will stay put. Other household project includes buying a bed frame for us and a new couch. I led this project and you can see this on our spending.

I used the morning time to organize and declutter. We finally got rid of the grass fertilizer and other household chemicals that were in the laundry room. Funny that we actually move those items in our new house and it took us 4 years to get rid of them. I donated some clothes and household items in Goodwill. Decluttering is really a never ending project, especially with the kids stuff.

I also had my eye examined by an ophthalmologist. It was so hard to find a doctor in my network that I actually went out of network. I’m just glad that I was seen and I’m hoping that this issue will get fix. I also started going to a Chiropractor. I started having some lower back issue when we switch mattress. I’m still having some and I’m looking for a new mattress. My insurance covers 10 visit with a $15 copay per visit. I like my insurance for that and I also like my chiro.

In September, we spent $11,691.21. This is huge and we are living large! I wish I can say that our spending will go down, but I can’t see this happening. We will re-asses by the end of the year. We might need to put together a budget if our spending continue to increase. Let’s take a look where we spent our money.

CATEGORY	Spending
Home	$5,937.62
Pets	$1,564.17
Kids	$940.82
Food & Dining	$809.39
Travel	$791.20
Health & Fitness	$651.45
Auto & Transport	$622.72
Shopping	$164.31
Bills & Utilities	$126.81
Personal Care	$75.44
Gifts & Donations	$7.28
Total	$11,691.21

Home – $5,937.62

The biggest items are furnishings. Mr. MMD and I haven’t bought a new furniture together. Our couch is falling apart and I’d like to have a real bed. Macy’s had a sale for labor day and we spent $3,735.04 on a sectional and a queen bed. The amount included a $299 white glove delivery. The guys came in and assembled the furnitures and took out all the garbage with it. It’s well worth the price. I listed our old couch and love seat on our buy nothing page and it was picked up the next weekend.

We also purchased our shed at Walmart for $1,289. We received a $12 credit from Chase offers by ordering on Walmart online. I also got a couple of clocks for the playroom and the living room, a dozen new glassware, flatware for MBP’s lunch box and some scissors at Ikea. I used some old gift card and spent $48.30 on the balance.

The next item under home, are Home Improvement. These are the expenses to prepare the ground for the shed. Mr. MMD rented a tamper to even out the ground. The cost is $343.51 with delivery. He also ordered some gravel which cost $307.7. We spent $146.42 for various visit at Lowes.

Last category for home is our HOA fee for $79.65.

Pets – $1,564.17

This is a fee for our furbaby’s tooth extraction and tooth cleaning. This is her second tooth cleaning since we got her and is totally overdue. Our dog doesn’t like her teeth brushed. The vet needs to give her some anesthesia for it.

Kids – $940.82

We spent $350.31 on Kids Gadget. We moved AHP out of his high chair and got him a Stokke Chair. I’ve been looking for a used one for months, but I think kids uses it for so long and I never saw a used one closed to us. I didn’t want to drive too far so I hit the buy button at Amazon, instead. It’s expensive at $261.71, but the kids are using this chair everyday. MBP’s chair is still going strong after 3.5 years of use. This is one of those items that I think is worth the splurge for our family. I also got MBP a lunch box. The price is steep at $49.22 but MBP seems to really like it. We can pack hot lunches with it from our left over dinner. The box is big enough to hold his lunch and afternoon snack. I also got AHP a new backpack for his preschool, a headphones for MBP and a rain shield for our double umbrella stroller. We’ve been walking to and from school everyday. The walk is .7 miles one way with elevation of 115 ft. He can walk to school but struggle going back because of the hills. I pick him up with the double stroller. He’ll walk until he gets tired and will climb into the stroller.

Preschool tuition for AHP is $323. We spent $176 on various kids activities. I signed up MBP for Camp Fire. It’s an after school activity that meets every other week, completely ran by parents. The fee and the vest is $78 for the year. I also paid $68 for their school photos and $30 for the pumpkin patch, which happened in October.

School is $91.51. These are various expenses related to kids school like, PTA membership fees for $20 and teacher wish list donation for the rest.

Food and Dining – $884.88

We spent $842.10 on groceries. Mr. MMD spent $38.36 for dinner with his buddy and I spent $4.42 for coffee. We actually didn’t eat out this month.

Travel – $791.2

We bought 4 tickets to Chicago to visit my in-laws for Thanksgiving. I booked a rental car from O’Hare Airport through Costco to drive to Bloomington area. There were plenty of direct flight to O’Hare from Seattle and it makes more sense to just drive to Bloomington instead of flying there.

Health and Fitness – $651.45

I’ve been having some eye issues since June. I can’t find an in-network ophthalmologist on my insurance so I went out of network. I really like my doctor and I’ll be switching to her next year. The cost of my first visit was $266.47. I also paid $30 co-pay for my 2 visits at chiropractor. We paid $154 for our YMCA membership. We never really went to the Y this September, so it will not be a recurring expenses for us until next summer. Our health insurance was $99.58 and our dental insurance was $41.40. I also paid a $50 co-pay for my dentist. Lastly, I paid $10 co-pay for my eye drop. This eye drop cost over $100 without insurance. We are definitely using our insurance this year.

Auto and Transport – $625.96

Our 6 months auto insurance was $534.37. This is for our 2010 VW Jetta and 2010 Toyota Prius. We also spent $79.55 on fuel and $8.8 on tolls from this summer.

Bills and Utilities – $126.81

This is for our water at $43.39, sewer at $66.46 and mobile phone at $16.96. We are back on consuming 1GB on our Xfinity Mobile.

Shopping – $123.31

We got MBP the Super Mario Odyssey game for his switch. He is almost done with it and is now on the bonus section. The cost is $58.2. I also got him a pair of rain boots / snow boots for $43.77. This is a must in the Pacific Northwest. I spent $13.69 at Dollar Tree for sticker books and we also paid $7.65 for our prime subscription.

Personal Care – $40.95

The boys had a hair cut. This is actually cheaper because our hairdresser have a 1 free hair cut for every 10 hair cut. It’s usually cost us $60+ including tips.

Gift and Donation – $7.28

We went to AHP’s friends birthday party and this is the boy’s gift to her.