Home > August '22 Savings

August '22 Savings

September 7th, 2022 at 03:30 am

Received $67 bank interest for the month of August.

Received $180 I Bond interest for the month of August.


Snowflakes to Investments:

--Redeemed $61 credit card rewards (cash back) from our grocery card 

--Redeemed $70 cash back on Citi card

--Redeemed $8 on dining out/gas card 


Other Snowflakes to Investments:

+ $2 Savings from Target Red Card (grocery purchases)


TOTAL: $141 Snowflakes to Investments


Snowball to Savings:

+$0 MH Income


401k Contributions/Match:



Savings (from my paycheck):

+$950 to cash (mid-term savings)


Pulled from mid-term savings:

-$472 Kids' Birthdays

-$300 New VR Quest

-$230 Senior Pictures

-$191 Movie/Script Stuff & Crowdfunding (pay it forward) 


Short-Term Savings (for non-monthly expenses within the year):

+$1,500 to cash

-$  300 Dentist (MH & DL)

-$    60 Quicken (personal finance/accounting software)


Pulled from 'College Savings'

-$7,700 Tuition + Rent


TOTAL: -$5,665 Net Pulled from Cash/Investments


Hybrid Miles Driven August:  860

Fuel Costs: $28 Electricity + $10 Gas (2 gallons)

(assumed 50 miles & 14 KwH per full charge)

Note: I needed gas to be able to remote start my vehicle (and to pre-cool the car in the afternoons).  2 gallons should last me for 12 months.


Electric (EV) Miles Driven August: 996

Fuel Costs: $21 (home) 

(assumed 300 miles & 60 KwH per full charge)


Most charging (both cars) is done at home or at free chargers.

Note:  Home charging rates are higher during summer months.

We did 105 miles of free charging this month. 

EV = free 105 miles @ animal shelter 

MH went to the Bay Area once.  After mostly being stuck in isolation for 2 weeks, I couldn't tell you why so many miles on the EV.  Maybe a second out of town trip that I don't remember??  Where the heck did MH go?  Oh yeah, he did also go up to the cabin twice (I remembered one cabin trip & MH reminded me of the second trip).  & ~80 miles going 2x to the animal shelter.  I didn't bother with the free charge the second time.  MH had plugged in and the battery was too full. 

I double checked electricity prices and they were more than I remember.  So this bumped up fuel costs this month.

Saw a crazy online discussion about EVs this week.  Just something new that I hadn't seen before, so was worth sharing.  Was seeing a lot of negative comments re: conserving energy during a heat wave.  When EV drivers replied that they just charge overnight (and don't pay peak $$$$ prices anyway)...  Got a lot of replies like, "Yeah right!" and "You have to wake up in the middle of the night to charge your car!?"  

I had wanted to correct some of the myths out there, and that was a new one.  So I thought I'd share.  Of course all these super computer cars have all this programmed.  But we are pretty low tech.  Our charger just has a delay button that we push.  We choose how many hours we want to delay before the charging starts (and push the button X times, accordingly).  That's it. 

& of course, the EV has a big battery that stores electricity.  MH is charging every other weekend.  Even that is mostly excessive, but the point for us is more to just have a habit and not think about it.  (In addition to working around my more frequent weeknight hybrid charging; we only have one charger).  There's no need to be constantly charging an electric car.  

Edit:  I started this post a few days ago.  The news headlines are getting more weird and fear mongering by the day.  Just saw a headline that CA EV drivers have to walk while it's 110F degrees this week.  🙄  It literally says that in the headline, of some big reputable new channel.  This "news" is garbage.  


Note:  I am always lagging a month behind because any bills charged in July will be paid off August 1 and reflected in my August numbers.  I charge in one month and the next month I figure out how to pay for everything (if I need to pull anything from savings).  So this update reflects July spending & August savings.

Holy cow, look at that interest.  Interest rates just keep going up in our bank accounts.  Our I Bond rate goes up significantly after September.

MH lost two weeks of work re: COVID.  Thus, short ~$700 that we were expecting this month.

This was the spendy no-work month that I alluded to in my July update. (The below is all July spending paid for in August).

The VR Quest 2 went on sale suddenly for 25% off.  MH could not resist that.  I do like the VR too but with my motion sickness tendency I never got too into it.  We have an older Sony VR helmet, so it's not our first VR setup. 

When MM(19) did senior pictures, they didn't do the tux (shared clothing) pictures due to COVID.  & he was too cheap to pay for the cap & gown sitting.  I really wanted to murder him when he told me that. 😁  They clearly phoned it in (with the $0 sitting fee) and we were not interested in any of the pictures.  For DL(17), *we* were able to sign up for him (we didn't tell him he had a choice) and we had to drive him over there.  So he did the cap & gown sitting.  I like this photographer better.  Liked.  Have been able to spend $10-$15 on pictures in the past.  But the senior photos were *ridiculous*.  Like $600 for their most basic package.  I cobbled something together. If DL was another kid, I'd just ask my Dad to do some photos.  But...  We are lucky that DL was a good sport.  I just bought some wallets and scanned them.  We can ponder re-doing photos later, depending on his mood.  The $200 was "DL may never sit for photos again" insurance.  At least the photos were professional and good. 

In the end, August (ignoring college expense) was pretty similar dollar-wise to July.  But the rub was the bigger mid-term savings deductions in August.  If it's coming out of mid-term, it's because I am drawing down "longer term" savings to pay for things.  & that is more "ouch". 

(If it's truly "long term", it's invested.  So is why I use the term mid-term instead, when it comes to cash savings.)  

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