So, I finally have my December totals . . .

Spending for December wasn't too bad. What really threw me off was an oil heat bill that I wasn't expecting. That brought my "wants" up to a pretty high percentage. Overall though, not bad. I did actually come in under budget (by $2.26). This was especially good because I budgeted less for spending in December.

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Spending

Must Haves:

$525 Rent
$10.28 Phone bill
$43.47 Electricty
$242.45 Oil heat
$24.57 Groceries (crazy!)
$79.33 Medical bill
$157.63 Regular student loan payments

Total $1082 or 65% (should be at 50%, with out the oil bill I would have been at 51%)

Save:

$248.22 Short Term Save

$248.22 or 15% (way to low, goal is 30%)

Wants:

$45.57 Work Snacks/Coffee
$110.03 Cigarettes
$79.81 Misc.
$91.00 Dinner/Entertainment

$326.41 or 20% (right at goal )

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Savings

Short Term Savings (down $300 because of planned Christmas spending)
Long Term Savings (up $97.21 because of Christmas cash)
401K (up $190.42)
Pension (just vested 12/1/05 at $282.87)

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Debt

Private Student Loan 1 (decreased by $35.57)
Private Student Loan 2 (decreased by $33.45)
Government Student Loan (payment for December hasn't posted)