It was a busy, short month of February. We went on some play date in a trampoline playground. It’s basically one giant place for kids to jump around. It was packed and a bit intimidating for our kids. We also had a snow day during valentines day and it has been colder than usual here in the Pacific Northwest. I’m ready for Spring, but Winter never seems to end.

AHP also turned 3 this February. He was so excited for his birthday! He had school on the actual day and we brought mini cupcakes for the class. He also had a family celebration for the weekend and even had 2 cakes!

February was an expensive short month. In total we spent, $4,294.9.

CATEGORY	Spending
Travel	$2,112.40
Food & Dining	$738.33
Pets	$410.03
Kids	$300.00
Bills & Utilities	$265.52
Business Services	$249.79
Health & Fitness	$230.75
Home	$116.40
Auto & Transport	$106.37
Shopping	$18.10
Total	$4,547.69

Travel – $2,112.4

We spent $1,996 for our upcoming 7 nights Alaskan Cruise this May. It will be our first ever cruise and I’m excited. Even the kids are excited. The cruise will tour Glacier Bay National Park. National Park Rangers will board the ship to give us a “tour” of the glacier. I read really good things about it. Since the tour will go to Canada, we decided to get passports for the kids. We paid $94 to the county for processing and kids passport photos. The actual application fees were cashed in March. I also paid $22.4 for 4 one way ticket to Florida this December during the winter break. I’m still unsure if the trip will happen, but I found a non-stop tickets to FLL, using Ultimate Rewards on Virgin Atlantic (via Delta). The ticket is refundable, so I have some time to plan.

Food and Dining – $738.33

Well, I thought this would be lower, given that we were using our Visa Gift Card to shop at Winco for groceries. We spent $585.88 on groceries. We also ate out twice and spent $107.45 on restaurants. I also spent $45 on Starbucks. Yes, I’m spending money on lattes!

Pets – $410.03

We took our furbaby to the vet again for some skin issues. It is getting a bit expensive but she is also getting old and these expenses are probably normal for her age. We’re hoping that it clears up and we can get to the bottom of it.

Kids – $300

We decided to stop contributing to the kids 529 plan. $200 is for one kid. We also spent $93.11 for the trampoline playground. Not worth it, in my opinion. The kids are just too young for it and it was expensive. The rest are for supplies for AHP’s coop that I donated.

Utilities – $265.52

These are for water, sewer, garbage, cell phone and last month’s subscription to HBO Max. It looks like we’ve been using 2gbs of data on average and our cell phone bill is now normally $29.29.

Home – $116.4

This is for one month of HOA. We paid for a late fees because it was on an auto pay from a bank account that we closed.

Auto and Transport – $106.37

3 trips to Costco for gas and $40 for my carpool for the month of January and March. I prepare taxes for VITA and carpool with my neighbor three times a week. It’s a fun retirement job and I get to do it with my retired, 74 year old neighbor.

Shopping – $18.10

Subscription fees for Amazon, which we mainly use for music. I also bought some sunnys for the kiddos, for one week when the sun came out!

We started the New Year visiting the Happiest Place on Earth at Disneyland. This is our second year at Mickeyland. The visit is more relaxed despite the rain on our first day. The kids were also able to appreciate the rides more and have quite a bit more opinion about it. They were able to interact with the characters as well. For me, a vacation in Disneyland is an easy family vacation in terms of logistics. Everything is catered for family and there are services for everything we needed, like a car service with 2 car seats on and a stroller that is delivered right to our hotel and picked up in our hotel. Unlike our visit to Chicago, we didn’t have to lug our 2 heavy car seats and our stroller. Transportation is just easier. The visit also doesn’t need to be expensive. In fact, I think we spent the same amount of money on a per day basis when we visited Chicago.

Most of the expenses for Disney were paid last year, so you will not see it in this report. Similar to last year, our flight and 8 nights hotel stay were paid by points. This year, we stayed at Hyatt Place. It’s a little bit longer walk to Disneyland, but our room is bigger with a separate “living room” and breakfast were included in our stay. We used Southwest to fly from Seattle to Santa Ana and Alaska Airlines to fly from Santa Ana to Seattle.

This month, we spent $4,387.76.

CATEGORY	Spending
Food & Dining	$1,465.19
Kids	$1,076.39
Travel	$508.33
Health & Fitness	$336.30
Bills & Utilities	$328.31
Business Services	$238.51
Home	$163.67
Fees & Charges	$95.00
Pets	$78.20
Auto & Transport	$77.36
Shopping	$18.32
Entertainment	$2.18
Total	$4,387.76

Food and Dining – $1,465.19

This is inflated this month. I purchased $400 Visa fee free gift cards at Staples. We exclusively uses this to shop at WINCO. WINCO only accept debit card and by using the gift cards, we can maximize the points that we use for travel. We haven’t used this all and will probably last us until February. We ate out 3 times at Disneyland but the kids got a gift card from my brother and we used that to eat out. Restaurants are actually reasonably price at Disneyland. I bought a $200 GC from Instacart, using raise.com. I got a little less than $20 back, so the GC only cost $182.88. I used this to buy some groceries delivered to our hotel. We used this for our lunches and Dinner for the 8 nights of vacation. We brought our rice cooker to make some simple dinners (e.g. mac and cheese with hotdogs). It’s actually a hit for the kids, though not the healthiest. I did try to add some steam vegetables, for dinners and tons of fruits for breakfast and lunch. We also visited In and Out when we got off the plane. Our car service allowed a 30 minute stop to a groceries or in and out. Since our flight arrived around noon, we were ready for lunch at that time.

We visited our local diner back home and visited McDonalds once. I also started going to Starbucks. I canceled our YMCA membership and I needed a place to hang out while my the kids are in school. A and I go here before he goes to school. I bring his breakfast while I have coffee and hang out with a parent from his class. So far the cost of coffee is less than or Y membership and I enjoy hanging out with other parents, so I think it is worth it.

Kids – $1,076.39

This also inflated since the M’s tuition hit in 2 months, one for Jan and one for Feb. Speaking of tuition, it looks like the preschool’s tuition will increase next year. Good thing, M will start Kindergarten, but A will go to preschool for 2 more years. This still includes the $200 contribution per kid to their respective 529 college funds. The kids also got a haircut!

Travel – $508.33

I booked 7 night Alaskan Cruise through Princess cruise. Princess was having a sale with kids free (or 3rd and 4th passenger free), so we booked it. My sister and my mom is also coming with us. I’m excited to try cruising and definitely excited to see Glacier Bay National Park. I bought a $400 Princess Cruise Gift Card at raise.com and received 6% discount. I used it for the deposit. The rest is payable in February. The rest of the items were souvenirs from Disneyland, and housekeeping tips during our stay.

Health and Fitness – $336.3

I paid $200 from previous Mr. MMD’s Dr’s visit and ultra sound. I also paid 2 months worth of dental insurance for January and February, so that totaled to $82.8. I bought some medication as well and Mr. MMD paid for a pick up hockey game.

Utilities – $328.31

Utilities are normal for the winter season. Sewer and internet are flat. Our mobile phone range from $16.64 for 1 gb- $28.78 for 2gbs. We have been using 2gbs for the most part now, especially when we travel. We still uses Xfinity mobile and have been happy with the service.

Business Services – $238.51

My CPA certification is due. It is valid 3 years and I intend to keep this forever! About $10 bucks are shipping items and office supplies.

Home – $163.67

AHP moved to a twin bed (that we got from our local buy nothing group). We got him a duvet and a couple of other items for the kitchen. We still have our crib, that we are looking to get rid off. For some reason, our local buy nothing group doesn’t want it.

Fees and Charges – $95

I open a Chase Sapphire Preferred. I was finally eligible to open one with a sign up bonus of 60,000 points. This card allows me to transfer points to different airlines and hotel partners which we uses when traveling. My favorite transfer partner for hotels is Hyatt, which we used in Disneyland. We still have a big chunk and I’m looking for inspiration of places to travel — probably Key West?

Pets – $78.25

We got our furbaby some collar and toys from Petco and some medication from Amazon.

Auto and Transport – $77.36

3 gas filled up from Costco. We were out most of January so this is slightly lower.

Shopping – $18.32

I got a little carried away with the after Christmas sale at the Dollar store and got quite a bit of craft items for the kids.

Entertainment – $2.18

Last month subscription of HBO Max. Technically this is free since I got the cashback as a lump sum from Rakuten.

We wrapped up 2022 with more travel as a family of four and a dog. We visited Disneyland in the beginning of the year. We went camping last summer and visited the midwest last fall. We visited friends in the city with the boys. I was also able to see my friends in person this year.

There were also some not so fun days like spending our spring break dealing with a car accident and spending the next month finding a car when car supply were basically zero. I spent 3-4 months dealing with the car accident aftermath with some PT sessions and chiropractor visits. We also had COVID last summer. MBP and AHP went to school this fall and spend the first 3 months, coughing. Viruses came back full forced, but luckily the boys were able to handle it.

Travel and car accidents require spending and this year we spent $77,048.33

We spent $24,987.12 more this year compared to last year – a 48% increase. Looks like we lived it up, right? Let’s see where our money went this year.

Taxes – $27,224.42

We sold our rental property in 2021 and took a tax hit of $20,686.00. The other $6,538.42 was our property tax from owning our home. We no longer own any rental property and expect our tax to be immaterial for 2022.

CATEGORY	Spending
Federal Tax	$20,686.00
Property Tax	$6,538.42
Total	$27,224.42

Food and Dining – $10,483.75

Surprisingly enough, our food and dining only increased by $293.96 from $10.189.79 in 2021 to $10,483.75 in 2022. Despite of inflation, spending 5 days in Disneyland, 2 days in Chicago and various camping trip, we manage to keep our food cost mostly consistent. I am impressed myself! We are still eating mostly plant food base diet with loads of fruits for snacks. The boys can’t get enough of cosmic crisp apple.

It looks like we ate out on restaurants more and drink more. I want to say we ate less junk food, but that is probably not true. I just neglected to categorized it as junk.

CATEGORY	Spending 2022	Spending 2021	Comments
Groceries	8,126.20	8,528.07	Groceries went down?
Restaurants	1,696.62	993.70	But we ate out more
Fast Food	394.46	428.27
Alcohol & Bars	252.97	121.92	And drink more
Junk Food	11.00	101.40
Coffee Shops	4.00	16.43
Food Delivery	(1.50)	-	This was a credit from Instacart
Total	10,483.75	10,189.79

Kids – $7,517.24

This category increased by $2,219.93 from $5,297.31 in 2021 to $7,517.24 in 2022. I expected this. MBP and AHP have a 529 plan. We contribute $200 per month in the plan in total of $400 per month. This is an automatic deduction from our checking account, total $4,800 annually. The boys tuition also increased since AHP started attending his 2’s class and MBP started attending preschool 5 days a week. Next year, MBP will be in kindergarten. If it works out in our local public school, the tuition should decrease. Kids gadgets, supplies, activities and toys are all combination of items specific for the kids. This can really be more in line with shopping and entertainment for adults.

CATEGORY	Spending 2022	Spending 2021	Comments
529 College Fund	4,800.00	3,200.76	Normal and will continue on the upcoming year
Preschool Tuition	2,028.86	1,228.04	This should decrease next year
Kids Gadgets	236.88	149.43
Baby Supplies	182.53	158.25	You think that this should go down since it's mainly diaper
preschool expenses	175.60	57.07
Kids Activities	64.76	371.68
Toys	28.61	14.30
Hair		61.90
Entertainment		55.88
Total	7,517.24	5,297.31

Gifts and Donations – $6,114.8

We spent $213.47 more on gifts this year, increasing from $5,901.33 last year. The charity portion was the fundraising for the boy’s preschool. The holiday card included a photo session from JC Penney with 3 digital images and one print for $27. A shipping fee for the said print and 3 more complementary prints because the photographer was late was $10.45. I printed 50 copies of the Holiday card at Canva for $38.50 and I bought stamps for $12. I enjoyed sending and receiving holiday cards. I make my own design using Canva and find that the prints from them was the cheapest and I’m happy with the quality of the prints.

CATEGORY	Spending 2022	Spending 2021	Comments
Christmas Gifts	5,675.98	5,404.27
Gift	250.87	497.06
Charity	100.00	-	Donation for the boys preschool
Christmas Cards	87.95	55.97
Total	6,114.80	5,957.30

Health and Fitness – $4,743.79

This category decreased by $1,162.1 from $5,905.89 in 2021 to $4,743.79. I thought that this will decrease more, since we received significant health care insurance subsidy in 2022 vs 2021, but our family also visited doctors more in 2022. We switched our health plan from bronze to gold this year based on this data. In 2022, we spent $1,526.86 for copayment of doctor visits.

We also pay for a gym membership at our local YMCA. MBP and AHP were enrolled in swim classes, gym and soccer and those were included as part of the membership. I also visited the Y significantly in the beginning of the year, before the car accident.

Our dental visit total $460. These were for 3 visits in total, 2 for Mr. MMD and 1 for me. This year, we signed up for dental insurance, which will pay for itself with our bi-annual dental visits and a little coverage for other care.

Others were new bench for our home gym, some meds, and my new eye glasses that I ordered online from eyebuydirect.com that cost me $44.88.

CATEGORY	Spending 2022	Comments
Gym	1,633.00	Gym Membership for our family at our local YMCA
Doctor	1,526.86	Various doctor visit
Health Insurance	723.45	This should include the first month of our 2023 health insurance
Dentist	460.00
Home Gym	273.49
Pharmacy	82.11
Eyecare	44.88
Total	4,743.79

Bills and Utilities – $4,333.6

This category increased by $419.3 from $3,914.3 in 2021 to $4,333.6. Electric and gas increased the most. I’m pretty sure that the reason for the increase were timing of the payment. I paid December 2021 bill in January 2022 and I just paid the December 2022 bill once I got the bill in December. So in theory, this was probably consistent from last year. Sewer decreased? It’s on autopay so I don’t even look at it. Water increase not necessarily because of the usage but the rate increased as well. Our internet rate increase this year. Garbage decreased, again probably because of the billing cycle. We are still using Xfinity mobile for our cell phone. It increased a bit this year because we used more data when we travel. It is still very affordable at $24.75 per month for 2 lines.

CATEGORY	Spending 2022	Spending 2022
Electric and Gas	1,681.14	1,248.37
Sewer	772.24	746.67
Water	581.27	620.50
Internet	579.51	556.34
Garbage	422.09	495.86
Mobile Phone	297.35	246.56
Total	4,333.60	3,914.30

Auto and Transport – $3,527.41

This category increased by $810.5 from $2,716.91 in 2021 to $3,527.41. Gas increased. We travelled more this year and gas prices were also at the highest last summer. Auto insurance increased because we added another car. My old sister gave us her car, which she got from me because she bought a new (new to her) car. Service and parts also increased because we added another car. The public transportation included our bus tickets when we were in Chicago. It also included the car service that I booked in 2022 for our upcoming Disney trip in January of 2023. The car service was the big portion of it. Rideshare was for our Chicago trip. Parking increased because we visited the city more frequently this year.

I talked about our car accident that occurred in March 2022. Our 2015 Toyota Prius 4 was totaled. We attempted to get another 2015 Prius with less mileage or a totally brand new car, but there was no inventory in the entire country!! At that time, we only had one car, so we definitely needed to buy a car. We ended up buying a 2011 Toyota Prius 2 with about 103k miles that I found on Craigslist. I didn’t add that purchased here because we used the insurance proceed to buy the car. We think that our Prius 2 will last at least another 5 years and at that time, we should be ready to buy an electric car (or an electric van?).

CATEGORY	Spending 2022	Spending 2021
Gas & Fuel	1,386.04	1,015.23
Auto Insurance	759.55	539.00
Service & Parts	539.81	389.70
Auto & Transport	428.67	440.23
Public Transportation	214.25
Auto Registration	126.00	326.25
Parking	45.44	6.50
Ride Share	27.65
Total	3,527.41	2,716.91

Shopping – $3,102.42

This category increased by $55.62 from $3,046.8 in 2021 to $3,102.42 in 2022. This category is a catch all from our household supplies like toilet paper to electronics to clothing and appliances. Mr. MMD bought a new computer and we bought a new modem. AHP “accidentally” spilled his water to our modem and we were not able to resurrect it. We figured that it was time to say goodbye to this modem, after 7 long hard years of service. In tech world, I’m pretty sure she was considered ancient. We are also now an owner of a pressure washer, which we will probably used once a year.

We also bought some shoes. Actually, I bought 3 pair of shoes while Mr. MMD bought one pair. I have a hard time finding comfortable shoes for my wide flat feet with bunions. I stumbled on this brand, Altra while searching for some camping gear at steepandcheap.com. I won a $200 gift card from steepandcheap and I decided to use it to try out a pair of shoes. These shoes aren’t cheap, but I tend to buy a shoe every 2 years or once the soles were worn out. I like the shoes so much that when it went on sale at REI, I bought 2 more pairs. I went to Rakuten and bought $191 e-gift card from REI and used it to purchased the shoes. Mr. MMD went to Fleet Feet and purchased his shoes. Fleet Feet analyze your feet and take a picture of it before recommending the type of shoes. It was pretty cool. I didn’t buy my shoes there but Mr. MMD did. I did buy toe socks. Alright, enough about shoes. The rest were stuff.

And you will not see the 2021 expenses below. There are tons of category changes and I don’t want to manually add it up.

CATEGORY	Spending 2022	Comments
Electronics & Software	$1,252.58	Computer and Modem
Household Supplies	$847.24
Shopping	$395.20
Shoes	$389.21
Subscription	$89.42	Amazon subscripiton
Sporting Goods	$38.85
Clothing	$38.67
Camping Gear	$25.34
Hobbies	$22.86
Christmas Shopping	$3.05
Total	$3,102.42

Home – $3,046.01

This year, I separated the property taxes and include that as part of taxes. Overall it is consistent from last year. Home insurance and HOA Dues increased. We had our HVAC cleaned. We also have to hire a plumber because our pipe freeze. Our built ins can get some repair, but I’m really waiting until the kids no longer have the need to draw on our walls before making some changes in the house. Hopefully in a couple of years. We didn’t buy any furniture this year but at some point we will most likely buy a new couch and a dining table.

CATEGORY	Spending 2022	Spending 2021
Home Insurance	941.50	707.22
HOA Dues	919.80	876.00
Home Improvement	687.61	286.66
Home Services	489.45	834.83
Home Supplies	7.65	-
Furnishings		1,183.57
Total	3,046.01	3,888.28

Travel – $2,405.73

This is low, considering we spent 8 days in Anaheim, with 5 days in Disneyland, 2 days in Chicago and about 11 nights camping this summer. The biggest expense was our 5 day tickets to Disneyland for January 2023. Our camping site was for 11 nights of camping last summer. Our rental car was for the “extra insurance” that we purchased for the rental car when we had a car accident. The insurance company didn’t reimburse us for it.

Hotels were for 2 nights in Fairfield Inn in Chicago, 1 night in Sheraton in Seattle to celebrate Mr. MMD’s 40th and a $20 tip at Howard Johnson for our 2022 Disney trip. We get an employee rate through Marriott and the rate was really low. We paid $52/night in Chicago including breakfast for 4. The Sheraton hotel was about $81.

Our air travel were all book with points and these were for taxes and fees for 4 round trip tickets to Santa Ana for our Disney trip. Our tickets to Chicago were reimbursed by family so we didn’t include it here. The rest of travel were train tickets and probably other little things.

CATEGORY	Spending 2022	Comments
Vacation	1323.33	Most are 3 5-day tickets to Disneyland
Camping Site	519.26	Includes 4 nights at YMCA camp which includes food
Rental Car & Taxi	228.7	The insurance that was not covered after the accident
Hotel	216.31	3 hotels and tips
Air Travel	74.8	taxes and fees
Travel	43.33	Amtrak tickets
Total	2405.73

Pets $1,620.28

Our corgi visited the vet twice this year in addition to her annual exam. We also needed to pay for some antibiotics for her. We paid for boarding when we went to Chicago. My parents typically take care of her, but they were out of town as those weeks.

Entertainment – $1,464.66

A thousand was for our ticket to CampMustache this year. Mr. MMD and I went for memorial day weekend. The rest were for tickets to museums and subscriptions to music and videos.

Fees and Charges – $954.74

These are bank fees. We opened credit cards and used it to pay our taxes (with credit card fees) to meet the sign up bonus. This will continue and I’m ok with that because we get more for free airline tickets and free hotels. Our 8 day hotel stay in Disneyland in 2022 and our upcoming trip in January 2023 were all paid by points. Our tickets were also all paid by points. It already saved us at least $4k, just for our Disney trip. It’s a great hobby that pays for itself.

Personal Care – $468.92

Stuff like toiletries and hair cut.

Business Services – $40.56

Some supplies like markers, stamps and the registration of the domain name.

After documenting all our expenditures, the main contributor of the 48% increase was the federal tax paid for the sale of our rental income. Without the $20,686 federal tax liability our spending goes down to $56,362. This represents an 8% increase from our 2021 spending of $52,061.21

Overall, 2022 was a mixed year. I wished it could be better, health wise, but I am thankful that we were finally traveling again. I’m excited for 2023. We are off to Disneyland this month. I’m looking forward to seeing some sun again and escaping the gloomy PNW weather.

How was your 2022?

We finally reviewed our annual spending for our second year of retirement. In total, we spent $52,061.21. This is 23% more than our spending in 2020, up from $39,955.36. The increase was primary driven by our health insurance. We sold our rental condo in 2020 and we paid the full amount of health insurance through marketplace.

We started to seriously consider early retirement back in 2018. We thought about it, shortly after MBP was born in 2017. In early 2018, we assessed our assets and current spending. My husband came up with a monthly spending budget of $4,618 or $55,416 annualized. We never reviewed our spending on this initial budget once we retired in 2019, but successfully spent below that in the last two years.

So where did our money went?

Food – $10.189.79

I wasn’t surprised that this was our biggest expense. The biggest chunk of this spending were for groceries. We followed a plant based diet, for majority of our meals and we think that there can be some room to decrease it. We will not limit ourselves, but will be more cognizant of the prices.

We also ate out this year or ordered a to go meal. We can easily spend $100+ on one restaurant meal for a family of 4. So this was probably acceptable. I do want to limit our fast food visit. It’s just not healthy. Alcohols and bars, were just alcohol from groceries that I categorized separately, similar with junk food. And I apparently went to Starbucks last year.

Description	Amount
Groceries	8,528.07
Restaurants	993.70
Fast Food	428.27
Alcohol & Bars	121.92
Junk Food	101.40
Coffee Shops	16.43
Total	10,189.79

Housing – $10,133.08

We do not have a mortgage, but housing is still expensive. We spent over $6k on property taxes last year and I expect this to go up once the county completed there assessment. We’ve been thinking about moving somewhere closer to MBP’s school to an area that do not have an HOA, but the housing market is so nuts! The house prices there are comparable to where we live so we’re not necessarily saving. We’ll see if we can do it this year.

We also added a new mattress and a new to us couch for the kids playroom. We hired someone to clean our roof and gutters, our home insurance went up and we bought some things from Home Depot or Lowes that were accounted as Home Improvement.

Description	Amount
Property Tax	6,244.80
Furnishings	1,183.57
HOA Dues	876.00
Home Services	834.83
Home Insurance	707.22
Home Improvement	286.66
Total	10,133.08

Kids – $5,297.31

In theory this could be lower because we included our 529 Plan contribution as an expense. We are adding this contribution because we are hoping that there will be no significant increases in our spending 12-13 years from now (or at least nothing more than the adjusted inflation) Both kids have their own plan and we only contribute $200 each account. This should be $4800/year going forward since we just automated AHP’s contribution.

I’m also expecting an increase in preschool tuition next year. AHP will start his toddler class in our Coop and MBP will go to a different preschool in preparation to kindergarten. MBP’s tuition will more than double for the year because he will no longer be in a coop.

The rest were small items that may or may not be needed. We just didn’t pay enough attention to this. But hey, maybe next year, we will no longer Baby Supplies, because those were all disposable diapers that the boys still uses at night. One can dream, right?

Description	Amount
529 College Fund	3,200.76
Preschool Tuition	1,228.04
Kids Activities	371.68
Baby Supplies	158.25
Kids Gadgets	149.43
Hair	61.9
preschool expenses	57.07
Entertainment	55.88
Toys	14.30
Total	5,297.31

Health and Fitness – $5,905.89

Major factor of our increase spending was our Health Insurance Premium. We didn’t get a subsidy in the beginning of 2021 and then CARES act provided some subsidy. I will need to check our tax bill this year to ensure that we didn’t overpay or underpay.

We also went back to the YMCA this summer. I enrolled MBP in a swim class last summer and the cost was similar to the monthly membership at the Y at $145/month. The monthly membership is for the entire family and includes swim classes for the boys, if we actually enroll them. So far, we’re just going as a family and I go by myself at least 2x a week.

My husband and I also pay for our dental cleaning out of pocket since we opt out of insurance. The cost was $140 per visit for cleaning and exam. I went once last year and my husband went twice. I also had my eye exam and purchased an annual supply of contact lenses. I also needed new glasses since my eye prescription changed.

Gifts – $5,901.33

Similar to last year, we gifted my parents some cash for Christmas. This was the big chunk of the gifts. The rest were for my immediate family and my godkids. There were also some gifts for birthdays.

Description	Amount
Christmas Gifts	5,404.27
Gift	497.06
Total	5,901.33

Utilities – $3,914.3

This price was consistent to last year. This year, I also started paying extra to offset my electric and gas or to purchase clean energy. Puget Sound Energy has an option for their consumer to pay more to use clean energy. For a month, it was only an extra $3-6 depending on our consumption. I reviewed some comparison of our home to other energy efficient, and we were pretty efficient.

Sewer was billed at a flat rate per single family home regardless of water consumption. Our water cost was also lower in comparison to other city. Our unincorporated county gets water from Tacoma and the cost are lower than the closest city we’re at. Internet was pretty normal, although I already received a letter suggesting that rates will increase next year. I also expect some increase in garbage next year. Cell phone was super low for $246.56 annually for 2 lines. We still uses Xfinity Mobile and uses about 1GB per month. There were only 4 months that we used 2 GBs.

Description	Amount
Electric and Gas	1,248.37
Sewer	746.67
Water	620.50
Internet	556.34
Garbage	495.86
Mobile Phone	246.56
Total	3,914.3

Shopping – $3,046.8

This cost was a catch all of every item we bought. Some stuff, we itemized, like my husband’s new desk. My husband also bought a new computer monitor and I bought a 1TB hard drive for my MacBook Air. I’m hoping that my laptop last another 5 years. The rest were just stuff. I think I have one purchase at Amazon that we didn’t use, which I think was a waste.

Description	Amount
Shopping	1,084.95
Electronics & Software	849.38
Household Supplies	311.73
Nick's Desk	319.66
Clothing	297.29
Toiletries	60.30
Home Supplies	52.8
Subscription	32.75
Shoes	28
Books & Supplies	5
Office Supplies	4.94
Total	3,046.80

Transportation – $2,716.91

Unlike 2019, we ventured out in 2020 and went camping for 8 nights. We visited 5 campsites last year – 4 in WA and 1 OR. This means that we drove quite a bit during the summer. My husband also went back volunteering to teach Computer Science at our “local” high school and I swim at least twice a week. We live far from these places so we drove often. Part of the reason we were thinking of moving was to lessen our commute. If we’re successful, maybe this will decrease. If not, this cost will probably be consistent, until our area is somewhat develop — maybe in 10 years.

Our auto registration and insurance increased. Our state based this on the value of the car and apparently our Prius was valued more in 2020 than in 2019. The rest were for new tires, a violation ticket, license renewal, car wash and oil change. We also paid for parking when we were in Seattle.

Description	Amount
Gas & Fuel	1,015.23
Auto Insurance	539.00
Auto & Transport	440.23
Service & Parts	389.70
Auto Registration	326.25
Parking	6.50
Total	2,716.91

Disney – $1,369.45

Our trip to Disney was technically this year, but I purchase majority of the expense last year, including our tickets, car service and rental gear.

Entertainment – $1,354.04

My husband plays hockey and the education was for my annual subscription of CPE education for my CPA credentials. I might be able to get some free CPE credits this year, so this should decrease or perhaps be semi-annually. I also paid to rent the new 007 film and purchased 2 months worth of Apple TV subscription to watch Ted Lasso. The only thing that was valuable to add was the Music that MBP purchased from Alexa. We’re lucky he only purchased one.

Description	Amount
Hockey	935.73
Education	149.00
Entertainment	76.53
Sporting Goods	81.59
Hobbies	36.86
Travel	35.00
Movies & DVDs	21.87
Books	13.09
Subscription	10.92
Music	4.37
Total	1,364.96

Pets – $852.35

Pet supplies and the cost of the annual exam for our Corgi. She’s almost 7 and is officially an adult dog. We’re lucky there were no emergency exam needed this year.

Camping – $814.7

This year was our first year tent camping. We purchased all our equipment including tents, sleeping pads, sleeping bags and cooking gear. I tried to get some of it used and I might return some of our sleeping pads purchased from Costco. We spent 6 nights at state parks and 2 nights at Kamp of America Campground in Oregon. We went to KOA during their member appreciation day and we received the 2nd night for free. The rest are some foods / groceries / games that we consumed while at the campsite.

Description	Amount
Camping Site	250.01
Camping Gear	409.52
Food & Dining	100.00
Entertainment	43.73
Groceries	9.24
Total	812.50

Vacation – $218.62

We spent one night in Great Wolf Lodge before MBP’s school started last September. This was the cost of the night stay including the arcade games.

Misc – $335.72

Some miscellaneous items like bank fee. We opened 4 new credit cards this year in preparation for our trip to Disney. Christmas cards includes the Groupon photography session and cards ordered from Canva and my annual hair cut.

Description	Amount
Bank Fee	199.25
Christmas Cards	55.97
Hair	40.50
Personal Care	40.00
Total	335.72

Overall, 2021 was a great year. We enjoyed the outdoors and surprisingly enjoyed tent camping. Spending wise, we could probably be more efficient in terms of tracking our “shopping”. It’s so easy to just buy things online.

2022 started with great with our vacation. I’m already looking forward to more vacation and more things that we can do before MBP goes to kindergarten.

How was your 2021?

2020 was our first full year of retirement. This was also the year that the entire world shut down. Like many others we stayed home, wear mask, social distance and limit the time spent with our extended families.

On a happy note, this year also brought some joy in our lives with the birth of our second son, AHP. I discovered weight training and lost 30 lbs post pregnancy and MBP’s preschool moved outdoors and I became more involve in the preschool.

Our Second Son

I was already pregnant when I quit my W2 job back in July 2019. I thought about staying and quitting after taking the maternity leave. My main concern was the cost of health care. I’m glad I left then. I probably lose out over $200k of vested stocks and salary, but we have more than enough. It was a good practice on saying no, it really is enough. During this time, I was able to focus on my pregnant body and spent a lot of time with our growing toddler. AHP was born in February 2020. About 3 weeks later, our state shut down. It was difficult to have a newborn during the shutdown. The outside help from our family was very very limited. We have to pull MBP out of preschool and struggle on making some decisions – like enrolling MBP for this school year, the frequency of our grocery trips and going to the parks. We were trying to protect our newborn and our preemie. Now, we somewhat accepted our new normal and still live our lives with all the precautions that we can take and situation under our control. AHP just turned one. We celebrated it with my parents. He had a cake. We also started taking both kids to Costco – a trip that they enjoy.

Weight Training and Losing Weight

Like everyone else, I gained weight during this pandemic. I was also post partum, so of course I gained weight. I was at my highest at 140 lbs. After getting a green light from my doctor and started sleep training AHP, I set a goal to go back to my previous weight of 105 lbs by the end of the year. I tracked my food intake, tracked my weight and by the time of this writing I’m 108.5 lbs. I didn’t hit the 105 lbs goal, but I’m glad with where I’m at.

MBP’s Outdoor Preschool

MBP is part of a Cooperative Preschool. This means that parents work during class several times a month and take a very active role in the classroom. I enjoy being in the classroom and watching these kids outside. It also gives me an opportunity to be outside for at least 2.5 hours whenever I’m working. We experience rain, sunshine and cold weather and the kids are still having a blast. I’m a co-treasurer this year and I’m glad to be using my background as a CPA to help the school.

2020 Spending

Every month, I published our monthly spending. We retired without necessarily creating a budget so I’m curious of our spending after our first full year of retirement. The total — $39,955.36. We spent just under $40k! This includes adding an additional person in our household! I don’t think we ever spent this low at any given year. Hunkering down definitely helped since we never traveled this year.

What we didn’t pay

Let me go through some of the items that we didn’t spent on this year. First is housing. We do not have a mortgage, so you cannot see that here. Our property taxes was over $6k, given that we live in a suburb of Seattle. This property tax was about half of what we paid when we were living in Seattle. We also didn’t pay for healthcare. In 2020, we have $0 of earned income. Our dividends will hit under $30k so we qualify for Apple Health. We planned for this because my pregnancy was high risk. In 2021, we are paying for a full health care coverage through marketplace without any subsidy for a family of 4.

Spending Details

I used Mint to track our spending. I’m very detailed on the category because I want to track which line items can be optimized. Given that we hit under $40K, I think everything is optimized at this point. $40k is definitely our floor and will go up next year with the cost of our health insurance being the main driver.

Housing – $10,005.61

Housing still top our spending even though we do not have a mortgage. As I said, we live in a suburb of Seattle and property taxes alone was more than $6k. We also have monthly HOA dues and we signed up for lawn care last year. The rest was our household supplies.

Kids – $7,927.14

About $6k of these expenses were contribution to the kids 529 plan. I choose to consider these as expenses and will continue to do so. The rest were some supplies and MBP’s preschool tuition.

Food – $7,788.75

About $7,300 were spent on groceries and the rest were on restaurants and fast food. I am trying to categorize the unhealthy snacks that we buy at the groceries. I want to see if this will be an added motivation to stop buying it. Ruffles, Nutella and Donuts are my enemy and I can’t seem to stop eating them when it is in the house.

Gifts – $5,678.57

The biggest chunk of this was the cash gifted to my parents during Christmas.

Utilities – $3,928.84

Part of living in high cost of living city is paying for high utilities. This was probably half of what we would have paid in Seattle.

Shopping – $1,423.42

This category was combination of clothes, new iPhone, and other items we bought from Amazon.

Pets – $778.68

Not bad for this year. This was mainly her food and treats. We were slowly cutting back on treats because even our furbaby needs to lose weight.

Health – $428.73

This includes a procedure for AHP that was not covered by insurance, one month of gym membership pre-covid, one year supply of contact lenses and some prescription drugs.

Other $726.83

Combination of all the other items we paid for.

Future 2021 Spending

I expect to spend more in 2021. We are paying our health insurance without any subsidy this year. We are also looking to buy a new to us minivan. I’m also hoping that we can start traveling to see family and visit the happiest place on earth! All of that will require more spending, which we are happy to make.

How was your 2020?