Home > March '23 Savings

March '23 Savings

April 15th, 2023 at 02:06 pm

Received $116 bank interest 

Received $246 I Bond interest 


Snowflakes to Investments:

--Redeemed $49 credit card rewards (cash back) from our grocery card 

--Redeemed $68 cash back on Citi card

--Redeemed $3 cash back on dining out/gas card 


Other Snowflakes to Investments:

+ $6 Savings from Target Red Card (grocery purchases)


TOTAL: $126 Snowflakes to Investments


401k Contributions/Match:



Snowball to Savings/Investments:

+$1,500 MH Income


Savings (from my paycheck):

+$  250 to investments

+$1,000 to cash (mid-term savings)

-$   315 Misc. Big Purchases

-$2,300  College Tuition 

-$1,000  Tree Trimming 


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

+$1,500 to cash

-$  524 Car Maintenance (Hybrid)

-$  330 Dentist (x2)

-$  275 San Francisco Weekend

-$   263 DMV Renewal (Hybrid)

-$    78 Pest Control

-$    42 Backup Battery (VOIP)


TOTAL: $566 Deposited to Cash and Investments



Hybrid Miles Driven:  812

Fuel Costs: $20 Electricity 

(assumed 50 miles & 14 KwH per full charge)


Electric (EV) Miles Driven: 716

Fuel Costs: $10 (home) + $2 (out)

(assumed 300 miles & 60 KwH per full charge)

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

We did 85 miles of free charging this month.

We did one Bay Area trip.  40 free miles of charging (in-laws' new charger) and $2 charging at a fast charger.  That would have been unnecessary but we left for a test drive and to show the in-laws some things with their new car and didn't want to leave the garage door open.  We have a plastic cord passthrough that we put under our garage door when we charge outside and so I have since bought a couple of more.  Will plan to keep one in MH's car and will give one to the in-laws. 

I suppose we gave the in-laws ~100 miles of charge when they drove up here for St Patty's Day.  I will just consider that a gift.  It's not our driving.  But I will have to ponder how I want to account for that, because I don't want it to skew our electric utility (financial tracking). I'll probably carve out that 100 miles (x kWh rate) as a gift.  Or longer term maybe it will just even out.  

We did also go to a show downtown and got 45 free miles.


Note:  I am always lagging a month behind because any bills charged in February will be paid off March 1 and reflected in my March 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 February spending & March savings.

The big expense was trimming several trees in our yard.  Mostly we have one bigger tree and then there is our neighbor's monster tree.  Long overdue to trim that back.  We paid very little last time.  Person I found this round was more expensive, but I think they did a *lot* more work.  I think last time was more "get that tree off my tree" while this guy trimmed everything back to the fence line, including the entire height of neighbor monster tree.  It should last a little bit longer.  

I am in nesting mode.  Does this happen when your kids turn 18?  I couldn't tell you why.  Maybe some combo of having some breather and also feeling flush financially.  Maybe also emerging from a long winter.  It's just a little deja vu to the pregnancy nesting.

We did our last free timeshare stay in February?  Who knows...  MIL has been wishy washy about everything financial, and that is now extending to their timeshares.  At first they told us we could not use for our LA trip this month because they had canceled everything.  But now they want to extend a year.  We were so happy they were wrapping up this timeshare mess (do not want to inherit) and so are not thrilled that they are prolonging.  MH has been very clear about his feelings, but they insist they aren't keeping it for us.  (Lord knows what the actual truth is.)  It's moot for April LA trip because we already made plans.  If not for all this, we would have stayed at the usual free place and done some extra driving.  But we had already wrapped our minds around staying closer to our destination and paying for the hotel.  & because we don't want to encourage them and had very little notice, I expect we will go over our vacation budget this year.  Just mentioning because just one more thing on the $$$$ side.  (We don't have any big plans, but it all adds up a lot faster when you have to pay for every hotel stay.)  

I did not sweep any of MH's income to investments this month.  Hear me out.  My goal is (was) to sweep everything above $1K per month (MH income) into investments.  When I received MH's last check of the month I was preparing to sweep $500 into investments.  Cash is at $7,000 (projected 4/30, after big expenses.  This does not include emergency funds or funds earmarked for college). It was stressing me out more at the beginning of the year (after big mortgage paydown) when cutting it close.  But having $7,000 left after some major expenses...  Things are progressing nicely and I am happy to resume bulking up investments. 

But...  I am pondering a big expense and getting a quote in April.  Will see how that shakes out before I start committing bigger dollars to long-term investments.   Happy to say that investments are increasing rapidly, regardless.  It took me one year to invest $2K (with snowflakes).  It's going much faster with the $250/month we are contributing from my paycheck, plus snowflakes.

2023 is going to be an expensive year.  

1 Responses to “March '23 Savings”

  1. terri77 Says:

    It may be an expensive year, but as you said, you are feeling flush financially so you will weather it well.

Leave a Reply

(Note: If you were logged in, we could automatically fill in these fields for you.)
Will not be published.

* Please spell out the number 4.  [ Why? ]

vB Code: You can use these tags: [b] [i] [u] [url] [email]