Below you will find our 2017 Actual Expenses. We keep track of every single penny and they are all accounted for here. The reports below include both Actual & Budgeted numbers with differences.
We were $488 under budget through April.
In several categories, we were very close to the budget, but we had some significant differences in a few categories, most notably our "Miscellaneous" category as we'll explain below.
For January, February, and most of March, we parked for free in Linda's sister's front yard and I had budgeted accordingly. However, we were still $330 under budget on Campground Fees as our late March and April camping was less than we expected.
For 2017, I changed the Clothing & Hair Care category to Clothing, Hair Care, Nails, & Mary Kay as Linda has desired a little more pampering with our somewhat steadier income. And being with her sister and her Mary Kay consultant niece for a few months increased that desire. Even with an increased budget, we were about $100 over budget through April.
In our Entertainment category, we were $150 under budget and it would have been a lot more had I not splurged on a Kindle Oasis. We were just so busy doing RV shows in January and February, and April was all about getting my parents' house in Louisville emptied and ready to sell.
For 2017, I raised our Dining Out budget from $125 a month to $150 a month. And I raised our Groceries budget from $350 a month to $400 a month. We were within $30 on the Dining Out budget, but way under budget ($688) on Groceries mostly due to staying in hotels for most of January and February while speaking at RV shows.
I knew our only moving of the RV would be from Jacksonville, FL to Louisville, KY in the first four months of 2017, so I budgeted low on Diesel. We were $65 over budget through April.
We drove the Jeep in Louisville more miles than I expected (almost 1700 miles for the month) and we exceeded our Gas budget by $105 through April.
On Medical & Prescriptions, we were about $175 over budget through April. Linda had some collarbone pain, and the doctor had her do an ultrasound which we had to pay for since we have a very high deductible.
We were $1,300 over budget in our Miscellaneous category. About $850 of that was for taxes, license fees, registration, etc. on the Jeep we purchased at the beginning of the year. And we spent about $565 on Linda's sister's house, tiling the bathroom floor and other projects - sort of a trade-off for not having to pay camping fees since last Thanksgiving.
I over-budgeted on personal property taxes for our truck and fifth wheel, so we were about $210 under budget there. Most folks don't have personal property taxes as they domicile in states without them, but since we are still Kentucky residents, we have this extra expense.
And we were about $400 under budget on truck, RV, and Jeep maintenance through April. But I'm sure we'll be using those funds later in the year.
It's been a strange year so far without a lot of real RVing involved. But whether we travel or not, March & April are always big expense months for us as our annual truck and RV insurance is due as are the personal property taxes on both vehicles. Without that $2,100, we would be averaging a little less than $2,500 per month on everything else.
First Quarter Details
First Quarter Notes
We were $523 over budget in January.
Staying in Linda's sister's front yard, we had no Campground Fees, and I had budgeted accordingly.
Staying at Linda's sister's and being near to her Mary Kay consultant niece AND doing three RV shows in January (and two more in February), Linda splurged a bit on hair, nails, and make-up, so we were about $140 over budget on Clothing, Hair Care, Nails, & Mary Kay.
I splurged on a Kindle Oasis in January, so that put us about $150 over budget in our Entertainment category.
We were about $285 under budget on Groceries and Dining Out, mostly because we were in hotels doing RV shows much of January and didn't do much grocery shopping.
We were right on budget in Diesel having filled it up early in the month and then not driving it at all in January.
We were $3 over budget on Gas and drove the Jeep 299 miles in January.
We were $660 over budget on Miscellaneous expenses due to taxes, license, and registration fees for the 2005 Jeep Liberty we bought.
If not for the administrative expenses of the new Jeep purchase, we would have been in really good shape for January. As it was, we knew it was going to be a low expense month for everything else, so it turned out okay.
We were $780 under budget in February, and that was on a low budget amount of only $1,922.
Again, we had $0 in Campground Fees and that was what I had budgeted knowing we would be parking for free for the month in Linda's sister's front yard - that's what we call "Moochdocking".
We were $135 under budget in Clothing, Hair Care, Nails, & Mary Kay. I had raised the budget in this category, but Linda splurged in January and had little in this month. Now were back to about even for the year on the budget.
We were $85 under budget in Entertainment for February.
We were about $330 under budget on food for the month. Like January, we were living out of a hotel for much of the month doing RV shows and didn't do much grocery shopping. Meals while at the shows were reimbursed as part of our contract.
Budgeted $0 for Diesel for the truck for February and accomplished that goal as we didn't drive the truck at all.
We were $2 under budget on Gas for the Jeep filling it up only once and driving only 219 miles for the month.
We were $35 under budget on Medical and Prescription expenses for February.
We did a change over of bank accounts in February, and somehow we didn't get charged for our Satellite TV, so we were $150 under budget. I'm sure that will get fixed in subsequent months.
February was a great month as we only had $1,140 in expenses. Of course, we were at RV shows much of the month, and our expenses during the shows are covered.
We were $292 under budget in March. March is a big expense month for us every year as we have insurance due on the truck, personal property taxes due on the truck and fifth wheel, and our umbrella insurance premium is also due. So we had a whopping budget of almost $4,300 for the month.
We were $185 under budget on Campground Fees. When I set the budget, I wasn't sure when we would be leaving Jacksonville, so I budgeted high. It turned out we left late in the month and only had a few nights of discounted camping as we made our way to Louisville.
We were $90 over budget on Clothing, Hair, Nails, & Mary Kay. Linda splurged on a hair cut and a few manicures - some new process she loves.
We were $50 under budget in Entertainment.
We were $140 over budget on Dining Out this month as we went out or had take-out or home delivery much more than usual for us. But we were $212 under budget on Groceries, so we did fine overall on food for the month.
We were $55 under budget on Diesel and $10 under budget on Gas in February. We towed the rig 784 miles and had another 205 miles driving the truck without the rig (mostly for my mid-month solo trip to the Okefenokee). We drove the Jeep 672 miles in addition to the 784 travel miles.
We were $210 under budget on personal property taxes for the RV and truck. That was just over-budgeting on my part, but happy to see the bills came in so much less than expected.
So, for the first quarter, we were $550 under budget in total. Not bad and a good start to the year.
Second Quarter Details
Second Quarter Notes
We were $63 over budget in April.
We were $145 under budget for Campground Fees. I had budgeted $600, but we ended up getting a monthly rate just outside of Louisville that was much less than expected.
In our Entertainment category, we were $160 under budget. We just didn't do much entertainment-wise that cost money in April.
We were pretty much on target for Groceries and Dining Out coming in just slightly under budget.
We were $120 over budget in Diesel. I budgeted $0 since I knew we would be staying put all of April, but I ended up filling the truck after we arrived in town on April 1. I drove the truck all of 42 miles.
We were $112 over budget on Gas as I underestimated how many miles we would be driving around Louisville getting my parents' house ready to sell. We drove almost 1,650 miles in April - it was like having a job we had to commute to every day.
We were $320 over budget on Medical expenses with Linda having some nagging pain in her collarbone. With our high deductible, we had to cover an ultrasound.
We were $424 over budget in our Miscellaneous category. That was having to pay taxes and registration fees on our Jeep in Kentucky. We had paid the dealership in Florida to do that in January, but they messed it up and reimbursed us in March, so the April amount was offset last month.
Considering we had a couple of large expenses, we were quite satisfied with April.
Third Quarter Details
Third Quarter Notes
Fourth Quarter Details
Fourth Quarter Notes