Housing - $12,027

Home Repair/Maintenance - $3,056

Gifts/Charity/House - $3,026

Utilities - $2,425

Insurance - $1,775

Vacation/Travel - $1,184

Groceries - $1,119

Taxes - $1,021

Medical/Health - $987

Fees/Services - $877

Furnishings/Equipment/Decor - $704

Personal - $644

Car Repair/Maintenance - $553

Gas - $427

Clothing - $415

Phone - $379

Eating Out/Takeout - $359

Household Supplies - $264

Entertainment- $260

Vet/Pet Supplies - $190

Laundry - $186

Fares/Parking - $7

Grand Total - $31,885

Variables - 113%

The big thing this year was the special assessment fee I had to pay for the replacement of our building's roof. That was $3500. It was not a surprise, but the board had put if off so long it was on a back burner in my mind. I am relieved that it's done. I would hate to go into winter with a bad roof.

I also had large bills (for me!) for plumbing and electrical work.

I took a vacation on the train to Oregon this year. All in all, it was pretty frugal, but I wouldn't do it again unless I reserved a sleeper (which is a lot more expensive). I learned that I cannot sleep in coach. At all.

Personal was a bit high because I went through that spell of going to salon stylist. When inflation started ratcheting up, I realized that was something that had to be cut. (Ha, ha!) My new plan is to only cut my hair once per quarter at Supercuts. With a blunt cut, that's doable.

Clothing was a little high because I invested in a new winter coat and two pairs of boots. I think this coming year I will be set.

My grocery spending has been a success story. I managed $100 or less per month pretty easily. Even if prices continue to climb, I think I can make adjustments to keep me in the same range.

I've been lucky on car repairs, and I hope it continues. My car is a 2014, however, so I am braced for some possible big expenditures. 

I haven't spent too much on gas because I don't drive that much! Generally, its one day out -- when I combine errands -- and two days in. The falling prices recently have been very welcome, however.

And eating out was very low! Hope I can keep that up!