October - November Expenditure Review by revisesociology

hive-167922 · @revisesociology · Nov 23 '20

$4.23

October - November Expenditure Review

Welcome to my October - November expenditure review.

I review my expenditure monthly as part my tracking progress towards Early Retirement.

The main reasons I track my expenditures are

1. To keep my frivolous expenditures to a minimum, on such things as take-out food, coffee and beer.
2. To track my income to expenditure ratio each month - the higher a percentage of your income you can save, the earlier you can retire!
3. To make sure I'm getting value for money on my expenditures on - I can compare what I spend on insurance for example with the best rates available and change as necessary.
4. To keep an eye on 'relative returns' for each expenditure category - I don't mind spending money on something that brings me a decent return - for example my mortgage expenditure is high, but I get a rental income from my house.

### October - November Expenditure Review

- Total expenditure = £1500 in the last month, excluding investments.
#### Expenditure break down:

![chart 9.png](https://files.peakd.com/file/peakd-hive/revisesociology/VJFcqZmH-chart209.png)

I've tried to colour-code everything so it's in 'similar themes'

- Blue = main house in the UK (of course I get most of that back in income!)
- Red = house rental and related bills here in Portugal
- Yellow = car costs
- Pinky purple = one off costs for this month
- Green = all other regular monthly outgoings.

### Mortgage and Insurance costs REALLY stand out!

Damn the costs of owning a property - and those costs are BEFORE any maintenance - although my insurance does include boiler breakdown, so I guess that's one of the possible larger expenses covered at least!

OK it does bring me in an income, gives me massive security, probably isn't going to go down in value, but man it costs me 40% of my income to maintain it - my other expenditures are just under £900!
![chart 10.png](https://files.peakd.com/file/peakd-hive/revisesociology/SguWbNdZ-chart2010.png)

While I do like my house in the UK, I've got to say it's tempting to sell it at the above figures!

I could extend the mortgage over a longer term at not too much additional cost if need be too.

### Rent and Bills - £300 a month

I'm happy enough with this for now - around £300 a month all in for a beautiful cabin on a peaceful Quinta, with electricity and water, I'll take that, cheapest rent I've ever had, I mean EVER, even going back to sharing a house at prices 20 years ago!

### The car and fuel - £100 a month

I've said before that the car is a massive drain on one's finances, and it is - they are expensive - those costs aren't even for the cost of purchase, they just cover insurance and basic maintenance - but where I Live, it's 4Ks to the nearest shop, and a 15K drive to the nearest main town, I need one!

### Food etc.

No need to beat myself up here - my food costs are down from last month, I've got a nice routine now, and I drunk less beer last month. There's not a lot I can do about phone etc. costs

### Miscellaneous one-offs

I bought some paint etc. to fix my scraped car, however I've since decided to claim on the insurance as I need to sell it, so I need a proper job. That's one for the next month to get sorted!

Bureac stuff is the cost of getting a couple of certificates for changing my driving licence to Portuguese - all these bits of paper cost here in Portugal you know!

### Overall....

I'm reasonably happy with last months's expenditure - it's settled down after moving here to Portugal, which is what I wanted, and it's sustainable, and I'm earning [more than I'm spending](https://leofinance.io/@revisesociology/october-income-from-work-review)!

If you need help reducing your expenditure then you might like this post: [a motivational tool for reducing your expenditure](https://leofinance.io/@revisesociology/a-motivational-mobile-friendly-spreadsheet-tool-for-reducing-yer-expenditure)!

Nice!

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/hive-167922/@revisesociology/october-november-expenditure-review)

👍 buildawhale, leo.voter, themarkymark, soyrosa, therealwolf, dera123, blewitt, created, moon32walker, abh12345, ecoinstant, cryptoknight12, sbi2, shanibeer, livingfree, dylanhobalart, ew-and-patterns, nanzo-scoop, zekepickleman, smartsteem, arcange, toofasteddie, enforcer48, scholaris, khazrakh, argon, recoveryinc, investegg, luppers, runningproject, kgakakillerg, roomservice, ravensavage, sn0n, crokkon, jagoe, jeffjagoe, pavonj, accelerator, mastergerund, marianaemilia, laruche, plantstoplanks, fatman, maxuve, maxuvd, mafeeva, hivecur2, roleerob, makerhacks, amico, dosh, leofinance, mummyimperfect, hf18, dachcolony, ecoinstar, pixelfan, karinxxl, mrhill, tombstone, coyotelation, fengchao, thranax, and 120 others
👎 stimialiti, fersher

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properties (23)vote details (186)

voter	rshares	pct
tombstone	16,078,674,402	0.75%
nanzo-scoop	180,811,463,301	25%
mummyimperfect	25,566,095,203	25%
ak2020	10,176,438,660	25%
emily-cook	744,822,290	25%
livingfree	235,942,299,273	4%
jeffjagoe	48,110,258,961	12%
arcange	152,480,609,013	3%
raphaelle	3,090,659,325	3%
moon32walker	557,014,318,542	100%
djennyfloro	1,292,294,895	10%
abh12345	554,969,914,769	25%
dylanhobalart	189,033,335,335	100%
created	572,562,576,616	4%
mafeeva	30,948,143,991	25%
sn0n	59,020,815,114	100%
stimialiti	-15,723,777,757	-100%
morph	637,320,738	6%
roomservice	79,128,073,726	1.87%
ecoinstant	461,761,168,434	100%
rycharde	1,214,545,130	10%
cryptoknight12	402,248,236,020	100%
ew-and-patterns	187,973,239,186	9%
toofasteddie	151,901,166,325	36%
felt.buzz	2,198,315,300	0.45%
themarkymark	2,352,608,416,549	10%
pixelfan	16,977,335,841	3.3%
pavonj	46,153,821,864	100%
shanibeer	286,283,574,523	25%
crokkon	50,102,216,157	100%
accelerator	46,092,469,834	5%
buildawhale	7,166,403,573,052	10%
argon	96,608,085,652	24%
fersher	-1,334,238,315	-100%
blokz	10,981,189,314	100%
therealwolf	847,080,356,334	2.5%
roleerob	30,215,650,204	5%
fatman	33,760,843,020	18.77%
plantstoplanks	36,419,957,213	14%
makerhacks	29,507,336,839	10%
investegg	85,002,169,238	2.75%
karinxxl	16,867,460,873	25%
mrhill	16,504,924,997	70%
coyotelation	15,401,046,287	50%
zekepickleman	167,130,385,653	100%
dashroom	1,654,158,859	80%
smartsteem	163,961,317,051	2.5%
not-a-bird	4,434,881,479	20%
mhm-philippines	2,432,193,438	6.25%
wild.nature	1,110,534,653	100%
soluce07	2,683,618,526	50%
crookshanks	1,178,270,546	100%
upmyvote	6,884,573,933	10%
elbrava	4,639,400,140	40%
hetty-rowan	1,005,827,835	10%
not-a-gamer	526,276,811	40%
tryskele	4,890,645,433	5%
soyrosa	909,188,059,184	100%
philnewton	889,750,023	12.5%
bet1x2	1,084,027,994	100%
upfundme	1,945,892,875	6%
mastergerund	41,502,768,134	100%
movement19	2,336,376,725	2.5%
runningproject	81,840,866,856	70%
jagoe	50,076,755,533	24%
frassman	2,061,429,499	12.5%
amico	27,981,513,229	4.55%
sbi2	384,098,153,403	60.32%
dera123	692,071,405,617	100%
paragism	987,369,515	3%
run.vince.run	10,203,589,429	35%
gadrian	5,008,330,940	3.2%
kgakakillerg	80,578,410,399	25%
enforcer48	130,140,091,857	15%
fitat40	4,684,959,627	25%
blewitt	574,598,378,773	29%
abacam	683,584,487	100%
abcor	7,607,238,952	100%
spyd	1,088,051,820	100%
bifork	529,725,174	50%
zeeon	1,233,238,293	100%
davidox	530,469,718	50%
daleron	597,061,961	50%
fireon	530,637,560	50%
tribu	751,908,013	100%
maxgas	532,837,092	50%
misterios	641,517,389	50%
corill	1,530,464,055	50%
xmedia	1,535,442,912	50%
nh3	1,152,466,136	100%
luppers	84,989,322,629	12.5%
voxmortis	879,630,633	0.5%
coiotes	3,106,747,704	50%
pedrocanella	9,826,357,189	10%
pboulet	1,069,834,724	0.9%
ravensavage	59,896,018,507	100%
loope	1,482,392,785	100%
alokkumar121	1,816,273,038	1%
dosh	27,937,190,695	25%
ecoinstar	17,770,525,975	100%
marianaemilia	39,670,489,970	25%
superultra	0	7.37%
elkaos	547,892,922	40%
ortanol	1,102,128,130	100%
pindex	1,091,206,872	100%
brancarosamel	2,507,035,985	2.5%
scoopstakes	6,503,653,070	25%
nanzo-snaps	4,300,075,316	25%
limka	0	5%
abbenay	1,062,755,734	5%
engrsayful	4,716,263,451	6%
caaio	858,299,917	6.25%
epicdice	5,634,072,533	0.75%
dtrade	703,077,413	25%
scholaris	127,677,822,704	50%
bastter	8,555,885,507	8.75%
haxxdump	114,976,813	10%
dachcolony	21,875,233,213	100%
travelwritemoney	2,323,028,371	10%
nicollefiallo	5,102,600,169	6%
teamashen	1,499,346,081	2.9%
r-monsters	709,318,012	100%
joker777	697,208,996	100%
kgswallet	541,420,292	20%
abh12345.leo	1,478,071,916	100%
leovoter	928,482,863	50%
leo.voter	3,815,738,499,571	10%
vxc.leo	68,887,167	21%
babytarazkp	2,104,673,207	50%
cards4u	2,656,085,734	100%
addax	1,053,362,417	100%
thranax	13,925,037,625	15%
revise.leo	4,638,674,509	100%
sbi-tokens	1,532,299,993	8.72%
brutoken	674,916,411	100%
maxuvd	31,696,677,097	7%
maxuve	31,895,556,183	6%
tmps	957,983,236	6%
spinvest-leo	4,397,450,390	5%
tonimontana.leo	652,077,489	7.37%
abh12345.medi	39,767,327	25%
snoochieboochies	3,620,556,000	5%
tariqul.bibm	5,738,583,241	12.5%
chireerocks.spt	110,821,989	100%
madgol	5,439,234,752	50%
gogoo	697,158,704	100%
dalz4	761,967,600	90%
phython	977,944,092	40%
khazrakh	113,491,459,138	100%
dpend.active	9,519,682,599	10%
edaz	697,114,147	100%
qtu	697,051,072	100%
fengchao	14,290,446,784	3%
leofinance	27,610,825,679	10%
laruche	38,204,642,626	0.9%
hiveyoda	120,541,003	4%
neo2	711,120,513	100%
kravata	709,899,205	100%
morpheus2	710,936,333	100%
trinity2	1,485,291,158	100%
siong	1,470,061,685	100%
phineus	1,087,825,215	100%
zitra	1,087,623,956	100%
venis	1,087,704,365	100%
hextech	9,506,504,978	66%
timbat	1,086,797,138	100%
gjiro	1,469,614,791	100%
sketching	4,194,897,269	50%
hiveonboard	2,654,234,381	1.87%
hive-143869	1,103,182,916	0.9%
hf18	22,936,263,197	100%
localgrower	2,725,360,240	5%
beehivetrader	1,469,930,798	5%
hivecur2	30,865,427,812	5%
recoveryinc	94,749,418,136	5%
dying	4,777,753,453	5%
discohedge	1,862,404,862	6%
abdul.qadir	11,830,163	6.25%
dknkyz.leo	823,742,996	50%
boneym	11,557,361,137	3%
meta.condeas	254,369,298	30%
muski	1,656,017,091	100%
leoline	9,890,937,124	60%
khazrakh.leo	0	100%
banko	7,402,948,625	50%
muskland	1,832,617,479	100%

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