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

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

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  2. It seems like you’ve done an excellent job of budgeting and managing your expenses, with a significant portion of your income going towards savings. Your detailed breakdown shows a thoughtful approach to spending and saving, which is commendable. Keep up the good work!

  3. a busy and eventful month! My advice would be to prioritize your goals and commitments, whether it’s studying for your securities licensing exam or enjoying your time on the ice. Remember to balance work, leisure, and personal development, and don’t forget to take breaks and enjoy the moments along the way. And congratulations on getting that great suit!

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