Here is my 2010 snapshot -- this recap treats Peanut's and my finances as joint for the entire year, even though we did not fully merge finances until after we married in September. I did this because we have the data, I just had to do some finessing to get it all into one document. From now on, I can always look back at this as the first full year of data for our joint net worth.
Food - Groceries: 3,265.92
Food - Other: 2,926.34
Hygiene/Medical: 825.76 (includes yoga, massages, makeup, toothpaste & such)
Clothing: 329.80 (I mostly bought clothing with gift cards this year, but even so, probably spent only around $500 total for myself)
Taxes Paid: 418.60
Travel: 2,519.04 (includes a trip for two to Costa Rica, one trip for one to visit family, and one trip for two to visit family, but not our honeymoon or travel related to the wedding)
Business: 2,883.01 (tax deductible)
Alcohol: 86.80 (not accurate, I started separating this out only a few weeks ago)
Wedding/Honeymoon: 3,452.43 (our out of pocket costs after 8,413 in family contributions)
Total spending: 45,621.80
401(k) contributions: 6,103.90 (matched by our companies at 1.5%)
Roth IRA contributions: 13,633.47
Total retirement contributions: 19,737.37
Student loan payments: 18,858.73
Student loan interest charged: 4,046.43
Difference in debt load: 14,812.30
LMM's Side Hustles (hat tip to J$)
Dance Expenses: 629.34
Dance Income: 135 (I am still owed for another job, but won't get paid until 2011)
Mystery Shop Expenses: 70.37
Mystery Shop Income: 60
As you can see, I came out in the hole for both of my side hustles. This was not by design but I have to say I'm kind of relieved. I think this is my last year doing these gigs, which will make my taxes easier. They're just not worth it anymore.
Things of Note
Re: food -- YAAAAAAY! Despite brunching weekly for half the year, we spent more on groceries than we did eating out.
Re: rent -- despite the high cost of living in New York City, Peanut and I are within the "safe" range of less than 30% of take-home pay for housing advised by experts.
Re: Roth IRA contributions -- Peanut and I each maxed out a Roth IRA for 2010. However, we also topped off our contributions for 2009 before the April deadline, which is why this is higher than the per person per year limit of $5,000.
The Big Picture
Peanut and I live well within our means. We are currently focused on student loan repayment, retirement savings, and emergency fund growth.