"Most days, I don't have to leave the house if I don't want to. That simple convenience sets off a chain reaction. Who needs to budget for a wardrobe when you can clock in in pajamas? Those account-bleeding breakfast stops or lunch grabs? Gone. Gas? I spent only $35.75 in October. Impulse purchases and miscellaneous convenience expenses I once didn't even notice have vanished."
"I make the majority of my purchases with a credit card so I can accrue airline points to fly for free. A few essentials - like rent, gas for my apartment and vehicle, my electricity bill and my $10 monthly gym membership - are excluded, but tracking my expenses through my credit card lets me monitor my spending in real time. Each month, I share my progress, for better or worse."
I stepped away from my job without fully planning the daily logistics after twenty years of travel and routine. I had thought I worked from home while regularly moving between airports, hotels, arenas, interviews and events. Now all work is done remotely, removing frequent departures and many incidental expenses. Staying home reduced wardrobe needs, breakfast and lunch stops, gas and impulse purchases; October gas spending was $35.75. Most purchases are made on a credit card to accrue airline points while essentials are paid separately. Tracking shows October spending only about $500 higher year-over-year and stabilizing near $2,000 monthly.
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