September 2021 Report: Spend your money on waistcoats and plane tickets

A doughnut chart in green, purple and orange showing expenses for 2021, described in text below.

September was a pretty spendy month. We had a planned week-long trip to Denmark, but due to covid, our flight changed last minute and instead we canceled the trip. So I spent the planned PTO week instead of having a staycation from my day job of working on OMD stuff and going skating every day. It was nice to get back into skating with a lot more time on the ice.

I also decided to start studying for the Series 65 securities licensing exam, which I’m hoping to take in December or January.

I also got this great suit.

Me in a blue plaid waistcoat and blue plaid pants, black and white oxford shoes and gray flatcap. Standing in front of a group of people and trees on a sunny day


And I got a hobonichi planner, which turned out to lead to a pretty successful (for me) livestream that a bunch of planner people picked up. So now I’m low-key a planner youtuber?

Spending Report

Total Spending: $1,677.99

Household & Insurance – $695.16

  • Rent: $615
  • Water, Commons, Garbage, Sewer: $32.50
  • Trash: $7.50
  • Electricity: $38.67
  • Household Items (detergent, TP, toothpaste, razors, etc): $1.49
  • Internet at Home: $0 This is now paid for by SSO’s employer due to being a remote employee, was $20 per month.

Biking/Transit – $0

Basic Food – $188.92

  • Basic Groceries: $142.91
  • Treats (non-essential snacks): $18.27
  • Coffee/Tea For Home: $27.74

Travel – $362.32

  • Flight to Finland: $283.97
  • Hotel for Denmark (taxes/fees on points):$78.35

Health – $0  ***Why this is cheap

  • Health Insurance Premium: $0! Currently getting fully paid premiums through work. However, it’s a lot more complicated than free health care.

Figure Skating –  $68

  • Coaching: $40 One private 30 minute ice dancing lesson
  • Skate Sharpening: $8
  • Ice Time: $20 One freestyle session

Looking Good – $301.18

  • Haircut: $10  – tip for a bang trim!
  • Clothing/Costumes: $289.89 (this is a lot – one wool sweater used from poshmark, and a suit from a french-made brand)

Extra Food + Drink – $62.41

  • Restaurants $55 So many restaurants as we tried to go to some of the covid-patios before they closed! This included 3 orders of garlic knots from sizzle pie, one pizza from Boxcar Pizza, Ramen, and a food cart meal on the way back from german class!
  • Coffee Out: $7.41 Two coffees when out at the rink

Flotsam – $1.29

  • Spending Money$1.29

Savings: $2,405.01

This is a combination of cash + retirmenet savings.

Traditional 401K: $1,883.00

Traditional 401K Employer Contribution: $134.50
OMD SEP-IRA: $60.00
Cash Savings: $327.51
Savings rate: 52.56% of Pre-Tax Income


2021 YTD Savings: $23,810.63

(113% total of $21,000 goal at  75% of the way through the year)

OMD Business Income + Expenses Report

I have moved these reports over to

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