Still making the final entries on my 2020 spend tracking so don't have those totals yet.
I enjoyed the December preview so thought I would do another for January. In theory it should be harder to reduce spend here as I had January 2019 spend to compare and should have made the easy choices last year.
My home insurance is due in January. I made changes midway through 2020 and got a small refund, the premium payable in January 2021 does indeed remain less than last year's payment. That would be a big $10 that stays in my wallet. I was hoping for more but ten bucks is still ten bucks.
I had also joined a premium loyalty club at my local brewery last year. I will not be renewing this as COVID is still likely to shadow most of the year and I am trying to reduce my alcohol consumption so not renewing removes an encouragement. $100 saved.
Last year also saw me switch my cellular provider to Verizon. New carrier meant a double bill of $115 last year. Due to still burning Verizon Dollars from the Verizon Visa signup bonus I have several more months where my out of pocket spend will be zero.
Pre-COVID, I was getting monthly massages. My back misses them but my wallet is good staying closed. I also had some social spend that will not be happening as optimistic future travel and event spend. Let's round that to another $200 that will not be happening again.
Increases in spending again looks to only be a trade of quick service work meals for increased grocery spend and the $225 HOA assessment is with me until April.
All in the forecast looks to be $200 in reduced spending year over year.
