Home > April '23 Savings

April '23 Savings

May 15th, 2023 at 01:13 pm

Received $124 bank interest

Received $304 I Bond interest


Snowflakes to Investments:

--Redeemed $43 credit card rewards (cash back) from our grocery card 

--Redeemed $142 cash back on Citi card

--Redeemed $11 cash back on dining out/gas card 


Other Snowflakes to Investments:

+ $8 Savings from Target Red Card (grocery purchases)


TOTAL: $204 Snowflakes to Investments


401k Contributions/Match:



Snowball to Savings/Investments:

+$1,300 MH Income


Savings (from my paycheck):

+$  250 to investments

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

-$   697 Medical Expenses

-$   230 Furniture 

-$   200 Household Purchases 


Pulled from mid-term savings:

-$2,935 Ortho Deposit

-$   911 Income Tax Due for 2022


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

+$1,500 to cash

-$  500 Life Insurance

-$  450 Hybrid Insurance

-$  440 EV Insurance

-$  300 LA Weekend (show tickets)

-$   248 DMV Renewal (EV)

-$   150 Dentist (MM)


TOTAL: -$1,444 Net pulled from Cash 



Hybrid Miles Driven:  543

Fuel Costs: $15 Electricity 

(assumed 50 miles & 14 KwH per full charge)

Was a lower miles month because I had some time off work.


Electric (EV) Miles Driven: 2,111

Fuel Costs: $22 (home) & $60 (out)

(assumed 300 miles & 60 KwH per full charge)

Most charging (both cars) was done at home or at free chargers.  (Except for LA trip).

We did 120 miles of free charging this month.  We got 40 free miles at the San Francisco museum and MH got 80 free miles at his parents' house (40 miles x 2 visits).

It was 3 separate Bay Area trips this month, plus a Bay Area stop on our way down to LA.  Thus, the 2,000+ miles on the EV.

The biggie was our LA trip.  Off the top of my head, that ended up being 950 miles.  We spent $60 electric fuel on that trip.  We got a free overnight charge at the in-laws house Day 1 and a free hotel charge on the last night (in LA).  It was ~$20 to charge overnight at the mid point hotel.  Not cheap, but very convenient (about the same cost as gas).  We saved about $60 with not having to buy gas. Overall, for the LA trip we just stopped when we ate or took pit stops.  It was no less convenient than a gas car in that regard, but probably more thought and planning.   


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

Whew!  That felt like a "death by a thousand cuts" month.  I am surprised we ended up that much in the black.  But, just a lot of bills were due.  & starting to pile up the medical bills for 2023.

Edit:  Okay, so I started this post before the credit card was stressing me out.  Decided to just pay off the ortho bill.  Could have paid it in May.  Was ~$1,500 in the black before that.  Revised statement:  I am surprised I am not more in the red after paying all those bills. 

I bond interest was bumped up with new $10K purchase early this year.  (When new rates were announced, I decided not to buy any more I Bonds at this time.)  I still have 2 months of mega interest before most my bonds drop back down to 7%.  

The big news is that I decided to do invisalign.  I had wanted to do a separate post about it but not sure I will ever get to it.  Even after 5 years of braces & major jaw surgery, I still appear to be the worst case of the household.  For the most part I presumed I wouldn't be eligible for invisalign and thought braces would be cheaper.  In the end, I am eligible and it cost the same either way.  But I would have paid more for invisalign.  I felt very, "Shut up and take my money!" as they really explained it to me.  I just got the invisaligns this week and so far it is 10 times easier than braces.  

For the most part, I know logically I should get this done while we live in this neighborhood.  My kids' ortho is *amazing*.  But so much trauma around my last round of ortho, that I didn't think I'd be able to do it.  But I am very intuitive and it's just time.  I expected the whole thing to be very terrible, even if it is "time".  & then everything about the whole process has been so easy.  I am grateful for the 30 years of technological advance. 

I decided to use my 2022 ROTH IRA funds to pay for the ortho.  Investing in myself and future in another way, for this year.  Off the top of my head, this leaves our 2022 retirement contribution rate at 14%.  I can live with that.   I initially thought I'd divert $3K from retirement and cash flow the rest.  But with the $6K price tag (the most I expected it to be) I decided to just pull from "retirement" funds.

The furniture and household stuff is just residual from my "nesting mode" in March.  

May is going to be much worse.  I have a lot of big cash expenses this month, will pay off the rest of the invisalign, etc.  Trying to get things taken care of, but everything we fix seems to just bring up more problems.  That just seems to be the wavelength we are on.   

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