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caw | 8 years ago

This looks similar in terms of total spending to what I was doing on my own in a medium COL city out of college, but I'd strongly suggest you categorize things better so you can figure out where you spend your money. For example, you have Whole Foods, Aldi, Sprouts, Costco, HMart. Is that all grocery/pantry? What about Target, they also sell grocery, but could also be clothes along with JCPenny. You've got Tmobile and Republic wireless -- add that together for just Cell Phone. It's impossible to tell what your vacation costs were. I see some expedia, six flags citypass, and whatnot, but no direct hotel charges. Just drop that all into vacation and/or entertainment.

It's also hard to see if we're not familiar with what things are, like DCU? Is that a Credit Union for your savings account? Is that paying off student loans? What about STASH? Is that your drug budget?

Some things jump out at me though

State Farm = renter's insurance? That's fine. Your AAA is concerning though for Auto, $854 every 6 months. You can probably get that lower without cutting coverage unless $2K was paying off the balance of a brand new car and/or you're under 26. See about bundling the renters and auto and shop around for rates. Is that $750 car service plan really saving you more than $750 per year? If the 2K was a super cheap car lease, $750/yr maintenance should not be required.

You have a car but significant expenses on Uber/Lyft. Are those related to vacation travel? Or are they to get around while your car is in the shop? Or are they a designated driver for when you go out?

Where did the $800 in ATM withdraws go? That's over 2% of the spending.

So overall I'd suggest updating your spreadsheet to get some higher level categories. From there, see what jumps out at you to drill in to as something you can possibly cut. So long as you're happy with your savings rate you can actually spend money on things you want. If that's food, clothes, hobbies, toys whatever. It's your life so make sure you enjoy it.

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