Housing - $746

Vacation/Travel - $276 (mini-trip to Michigan)

Insurance - $234 (condo, annual)

Utilities - $197

Gifts/Charity - $141 (two birthdays, early Christmas shopping)

Groceries - $100

Personal - $82 (pads, face cream, a comb)

Entertainment - $51 (streaming, football pool)

Gas - $38

Medical/Health - $36 (premium, Beano)

Phone - $32

Clothing/Accessories - $21 (earrings, winter hat)

Laundry - $16

Household Supplies - $11 (bleach, glue, peroxide)

Furnishings/Equipment/Decor - $11 (plates)

Grand Total - $1995

Variables - 94%

I swept $246 to savings. This is on top of what I already set aside for insurance, property taxes, and the average cost of big ticket items.

It was a good month. I hit my goal right on the nose for groceries. I didn't eat out at all -- well, I did some but that was counted under "vacation." My spending was under $2000 and I never felt pinched. Maybe I'm just getting used to it!