As promised, I continued to track all my finances through the month of December, since it was going to be a more "typical" month of spending.
Household Bills (Mortgage, Electricity & Water) - $856.70 (My half)
Car (Loan, Insurance) - $434.50
Netflix - $8.27
Credit Card Payments - $160.00
Savings, Investments - $85.00
Insurance (Life, A's Health) - $129.40
Dad (Money I owe him and cell phone) - $150.00
Gym Membership & Childcare - $41.90 (My half)
Race Registration - $240.00 (Only one, NYC marathon!)
Groceries - $173.00
Beer (Store & Bar) - $108.31(about $50 higher than normal between excessive delay at the airport and beer I bought for Christmas dinner)
Dining Out - $105.44
Parking - $112.00
Gas - $80.36
Gifts - $16.96
Other (Roller Skating, non-food items) - $51.74
I didn't get as much money from my ex this month (he recently quit his job), so I wasn't able to chip away at the credit cards as much as I would like. This is definitely a better example of where my money actually goes. Other than registering for the NYC marathon and the beer this month, there really isn't anywhere I can/will cut. We didn't do any extra-curricular spending this month and I had no one but a work friend to buy Christmas presents for, which saved a lot of money.
It really is eye-opening to see where money goes. Thinking I might risk going from cash to debit, although I'm not super reliable about writing everything down. Due to reduced income and high outflow, I don't keep a ton of money in my checking account and I don't have overdraft. Tips on keeping track of money? I still use a paper register...
Not sure if I will continue tracking going into 2014, as it seems I've got things as under control as it can be...