The Monthly Expenses of an Early Retiree – March 2021

The first quarter of 2021 ended. Unlike last year, I find myself more and more optimistic. AHP turned one year old last month and his schedule is getting more and more predictable. We are venturing outside more and more, enjoying the local parks and the trails that our neighborhood offers.

MBP started playing soccer. The “academy” was in our elementary school and we were thinking of more ways for MBP to socialize outdoors. I am 90% sure that we are not going to do this again. MBP was not really into it or perhaps just too young. Majority of the time, he was picking up grass or wants to play with other kids.

uhmm – yeah, that ball


We spent $3,281.87 this month. Ouch!

I tried to deliberately spend a little more money this month because our spending last year was very low and I guess I succeeded!

Food – $902.08

We spent $902.08 on food. We usually spend between $600 – $700 a month. Our grocery spending was higher with more trips to Costco. I also ate quite a bit of fancy easter chocolate candies before easter. Those Lindt bunnies were tasty.

Health Insurance – $657.15

Health insurance for this month was $657.15. The kids are still under apple care because of COVID-19 act (?). I’m not really sure, but I won’t argue with the state plan on this. Mr. MMD and I are paying full premium at bronze level.

Gift – $477.06

We bought an iPhone SE for my mother in law as a birthday present for her. She loves it and it would be another medium for us to face time.

Utilities – $338.99

Utilities clock in at $338.99 this month. Out internet was charged for February and March so it cost twice this month. We paid $28.5 for our cell plan for 2 lines. This was the first time that we used more than 1gb for Xfinity mobile.

Auto – $289.66

We spent $289.96 for car this month. Our car insurance cost $230 for 6 months. This was higher than our last 6 months premium. I don’t know why! I got some other quotes and this was the cheapest. We only have one car and only carry liability. Oh well – maybe it is inflation?

Others are combination of shopping for items ordered from Amazon for some sewing materials. Hobbies are the cost to maintain this blog which includes the annual domain renewal and monthly hosting from Google Cloud Platform. We also bought some treats for our furbaby and paid for our monthly Amazon Prime Subscription.

And here are the detail expenses:

CategoriesDescriptionGrand TotalComments
FoodGroceries707.79Higher this month
FoodRestaurants119.10Take out Chinese Food
FoodJunk Food65.19Those Easter Candies!
FoodAlcohol & Bars10.00For Mr. MMD
HealthHealth Insurance657.152 person at bronze level
GiftGift477.06iPhone SE
Kids529 College Fund200.00
KidsKids Activities119.876 weeks of Soccer for MBP
KidsKids Gadgets63.38New monitor for MBP
KidsBaby Supplies41.23Diapers
UtilitiesElectric and Gas158.08Hopefully this will go down as it gets warmer
UtilitiesInternet90.002 months of internet bill
UtilitiesMobile Phone28.50We used more than 1gb of data!
AutoService & Parts4.50Residual from tires
AutoAuto Insurance230.006 months from progressive
AutoGas & Fuel52.46Gas
HousingHOA Dues73.00Annoying HOA
HousingHome Improvement4.90Something from Lowes
ShoppingShopping75.63Sewing materials and some other items
HobbiesBooks13.09Atomic Habits was 50% off
HobbiesHobbies12.62Blog annual domain renewal
PetsPet Food & Supplies9.36Treats
SubscriptionSubscription6.55Amazon Prime
Grand Total 3,281.87

How was your Q1 2021?

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