{"id":2092,"date":"2019-03-28T07:00:05","date_gmt":"2019-03-28T11:00:05","guid":{"rendered":"http:\/\/www.modestmillionaires.com\/?p=1215"},"modified":"2025-10-13T10:57:39","modified_gmt":"2025-10-13T10:57:39","slug":"revue-de-nos-depenses-et-investissements-pour-2018","status":"publish","type":"post","link":"https:\/\/modestmillionaires.com\/fr\/revue-de-nos-depenses-et-investissements-pour-2018\/","title":{"rendered":"Revue de nos d\u00e9penses et investissements pour 2018"},"content":{"rendered":"

This past year has been quite busy for our family, as briefly described in our post <\/span><\/span>celebrating the 2nd anniversary of our ModestMillionaires blog<\/span><\/span><\/a> . Here’s a more detailed look at our spending and investing for 2018.<\/span><\/span><\/span><\/p>\n

Overview of our expenses<\/span><\/span><\/span><\/h4>\n

This year we also celebrated the year Mrs. Mod narrowly surpassed Mr. Mod’s income :).<\/span><\/span><\/span><\/p>\n

We spent $55,100 on our regular annual expenses plus $22,400 on <\/span><\/span><\/span>a major renovation.<\/span><\/span><\/span><\/p>\n

The<\/span><\/span><\/span> \u00a0reason I chose to separate our expenses this way is that this type of renovation was actually a non-essential improvement to our home and is not a maintenance expense that will come back in the future.<\/span><\/span><\/p>\n

Additionally, this renovation increased the value of our home by much more than that amount. However, since we don’t plan on selling our home for a long time, we don’t count the value of this asset as an investment.<\/span><\/span><\/p>\n

Indeed, this significant expense limited our ability to invest, but it was a thoughtful choice that will increase our comfort on the road to financial independence and should not hinder our ability to achieve financial independence by 2025.<\/span><\/span><\/span><\/p>\n

So here is the report for our annual expenses for 2018.<\/span><\/span><\/span><\/p>\n

As a reminder, as described in <\/span><\/span>our 2025 plan<\/span><\/span><\/a><\/span> , we aim to spend $45,000 annually.<\/span><\/span><\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Categories<\/span><\/span><\/b><\/td>\n<\/td>\nAnnual 2016<\/span><\/span><\/b><\/td>\nAnnual 2017<\/span><\/span><\/b><\/td>\nAnnual 2018<\/span><\/span><\/b><\/td>\nMonthly 2018<\/span><\/span><\/b><\/td>\n<\/tr>\n
Recurring fixed expenses<\/span><\/span><\/i><\/b><\/td>\n<\/td>\n$10,728<\/i><\/b><\/td>\n$11,457<\/i><\/b><\/td>\n$11,228<\/i><\/b><\/td>\n$936<\/i><\/b><\/td>\n<\/tr>\n
<\/td>\nElectricity<\/span><\/span><\/span><\/td>\n$2,673<\/span><\/td>\n$2,264<\/span><\/td>\n$2,294<\/span><\/td>\n$191<\/span><\/td>\n<\/tr>\n
<\/td>\nHome Insurance<\/span><\/span><\/span><\/td>\n$963<\/span><\/td>\n$1,105<\/span><\/td>\n$1,221<\/span><\/td>\n$102<\/span><\/td>\n<\/tr>\n
<\/td>\nAssurance Auto<\/span><\/td>\n$463<\/span><\/td>\n$565<\/span><\/td>\n$636<\/span><\/td>\n$53<\/span><\/td>\n<\/tr>\n
<\/td>\nPhone\/Internet\/Netflix<\/span><\/span><\/span><\/td>\n$1,997<\/span><\/td>\n$1,795<\/span><\/td>\n$1,656<\/span><\/td>\n$138<\/span><\/td>\n<\/tr>\n
<\/td>\nMunicipal and school taxes<\/span><\/span><\/span><\/td>\n$2,929<\/span><\/td>\n$3,138<\/span><\/td>\n$2,803<\/span><\/td>\n$234<\/span><\/td>\n<\/tr>\n
<\/td>\nBus passes<\/span><\/span><\/span><\/td>\n$1,016<\/span><\/td>\n$1,901<\/span><\/td>\n$1,921<\/span><\/td>\n$160<\/span><\/td>\n<\/tr>\n
<\/td>\nRegistrations\/Licenses<\/span><\/span><\/span><\/td>\n$687<\/span><\/td>\n$689<\/span><\/td>\n$698<\/span><\/td>\n$58<\/span><\/td>\n<\/tr>\n
Health<\/span><\/span><\/i><\/b><\/td>\n<\/td>\n$1,681<\/i><\/b><\/td>\n$2,498<\/i><\/b><\/td>\n$2,407<\/i><\/b><\/td>\n$201<\/i><\/b><\/td>\n<\/tr>\n
<\/td>\nPharmacy<\/span><\/span><\/span><\/td>\n$1,471<\/span><\/td>\n$1,565<\/span><\/td>\n$1,430<\/span><\/td>\n$119<\/span><\/td>\n<\/tr>\n
<\/td>\nHealth\/Sports<\/span><\/span><\/span><\/td>\n$210<\/span><\/td>\n$933<\/span><\/td>\n$977<\/span><\/td>\n$81<\/span><\/td>\n<\/tr>\n
Food<\/span><\/span><\/i><\/b><\/td>\n<\/td>\n$18,492<\/i><\/b><\/td>\n$18,690<\/i><\/b><\/td>\n$20,772<\/i><\/b><\/td>\n$1,731<\/i><\/b><\/td>\n<\/tr>\n
<\/td>\nGrocery store<\/span><\/span><\/span><\/td>\n$11,770<\/span><\/td>\n$10,418<\/span><\/td>\n$11,810<\/span><\/td>\n$984<\/span><\/td>\n<\/tr>\n
<\/td>\nRestaurant\/Fast food<\/span><\/span><\/span><\/td>\n$2,007<\/span><\/td>\n$2,730<\/span><\/td>\n$2,596<\/span><\/td>\n$216<\/span><\/td>\n<\/tr>\n
<\/td>\nDinners<\/span><\/span><\/span><\/td>\n$2,202<\/span><\/td>\n$1,195<\/span><\/td>\n$1,018<\/span><\/td>\n$85<\/span><\/td>\n<\/tr>\n
<\/td>\nWine\/Beer<\/span><\/span><\/span><\/td>\n$2,512<\/span><\/td>\n$4,347<\/span><\/td>\n$5,348<\/span><\/td>\n$446<\/span><\/td>\n<\/tr>\n
Amusement<\/i><\/b><\/td>\n<\/td>\n$4,840<\/i><\/b><\/td>\n$9,822<\/i><\/b><\/td>\n$3,159<\/i><\/b><\/td>\n$263<\/i><\/b><\/td>\n<\/tr>\n
<\/td>\nMovie theater<\/span><\/span><\/span><\/td>\n$162<\/span><\/td>\n$129<\/span><\/td>\n$75<\/span><\/td>\n$6<\/span><\/td>\n<\/tr>\n
<\/td>\nShopping (clothing\/books)<\/span><\/span><\/span><\/td>\n$1,373<\/span><\/td>\n$1,384<\/span><\/td>\n$1,199<\/span><\/td>\n$100<\/span><\/td>\n<\/tr>\n
<\/td>\nVoyages<\/span><\/td>\n$671<\/span><\/td>\n$5,417<\/span><\/td>\n$95<\/span><\/td>\n$8<\/span><\/td>\n<\/tr>\n
<\/td>\nSports activity<\/span><\/span><\/span><\/td>\n$2,150<\/span><\/td>\n$2,835<\/span><\/td>\n$1,402<\/span><\/td>\n$117<\/span><\/td>\n<\/tr>\n
<\/td>\nOther amusements<\/span><\/span><\/span><\/td>\n$484<\/span><\/td>\n$57<\/span><\/td>\n$388<\/span><\/td>\n$32<\/span><\/td>\n<\/tr>\n
Children<\/span><\/span><\/i><\/b><\/td>\n<\/td>\n$4,356<\/i><\/b><\/td>\n$5,589<\/i><\/b><\/td>\n$6,033<\/i><\/b><\/td>\n$503<\/i><\/b><\/td>\n<\/tr>\n
<\/td>\nBaby items<\/span><\/span><\/span><\/td>\n$1,417<\/span><\/td>\n$573<\/span><\/td>\n$14<\/span><\/td>\n$1<\/span><\/td>\n<\/tr>\n
<\/td>\nActivities\/Clothing\/Toys<\/span><\/span><\/span><\/td>\n$1,052<\/span><\/td>\n$1,026<\/span><\/td>\n$1,756<\/span><\/td>\n$146<\/span><\/td>\n<\/tr>\n
<\/td>\nDaycare<\/span><\/span><\/span><\/td>\n$1,887<\/span><\/td>\n$3,990<\/span><\/td>\n$4,263<\/span><\/td>\n$355<\/span><\/td>\n<\/tr>\n
Variable expenses<\/span><\/span><\/i><\/b><\/td>\n<\/td>\n$9,367<\/i><\/b><\/td>\n$7,904<\/i><\/b><\/td>\n$11,520<\/i><\/b><\/td>\n$960<\/i><\/b><\/td>\n<\/tr>\n
<\/td>\nGifts\/Donations<\/span><\/span><\/span><\/td>\n$1,842<\/span><\/td>\n$1,182<\/span><\/td>\n$2,230<\/span><\/td>\n$186<\/span><\/td>\n<\/tr>\n
<\/td>\nEssence<\/span><\/td>\n$636<\/span><\/span><\/span><\/td>\n$360<\/span><\/td>\n$496<\/span><\/td>\n$41<\/span><\/td>\n<\/tr>\n
<\/td>\nHome renovations<\/span><\/span><\/span><\/td>\n$1,703<\/span><\/td>\n$1,072<\/span><\/td>\n$1,159<\/span><\/td>\n$97<\/span><\/td>\n<\/tr>\n
<\/td>\nHome supplies\/services<\/span><\/span><\/span><\/td>\n$1,779<\/span><\/td>\n$1,578<\/span><\/td>\n$5,861<\/span><\/td>\n$488<\/span><\/td>\n<\/tr>\n
<\/td>\nCar repair\/Parking<\/span><\/span><\/span><\/td>\n$1,701<\/span><\/td>\n$1,534<\/span><\/td>\n$571<\/span><\/td>\n$48<\/span><\/td>\n<\/tr>\n
<\/td>\nFinancial costs<\/span><\/span><\/span><\/td>\n$223<\/span><\/td>\n$177<\/span><\/td>\n$182<\/span><\/td>\n$15<\/span><\/td>\n<\/tr>\n
<\/td>\nAnimal food<\/span><\/span><\/span><\/td>\n$544<\/span><\/td>\n$395<\/span><\/td>\n$722<\/span><\/td>\n$60<\/span><\/td>\n<\/tr>\n
<\/td>\nAnimal health<\/span><\/span><\/span><\/td>\n$92<\/span><\/td>\n$816<\/span><\/td>\n$134<\/span><\/td>\n$11<\/span><\/td>\n<\/tr>\n
<\/td>\nOthers<\/span><\/span><\/span><\/td>\n$846<\/span><\/td>\n$788<\/span><\/td>\n$165<\/span><\/td>\n$14<\/span><\/span><\/span><\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
TOTAL<\/b><\/td>\n<\/td>\n$49,463<\/b><\/td>\n$55,959<\/b><\/td>\n$55,119<\/b><\/td>\n$4,593<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Encore 10,000$ au dessus du budget pr\u00e9vu!<\/b><\/p>\n

Entre g\u00e9rer la vie bien occup\u00e9e avec deux enfants en bas \u00e2ge, un gros projet de r\u00e9novation puis des probl\u00e8mes de sant\u00e9 pour deux de nos parents, nous avions un peu moins d\u2019attention \u00e0 accorder \u00e0 nos d\u00e9penses mais nous avons tout de m\u00eame maintenue un niveau similaire \u00e0 l\u2019ann\u00e9e pass\u00e9.<\/span><\/p>\n

Dans notre article de r\u00e9vision de nos d\u00e9pense de 2017<\/a>, nous avons d\u00e9taill\u00e9 un peu pourquoi nos d\u00e9penses \u00e9taient pr\u00e8s de 11,000$ au dessus de notre objectif de 45,000$. Cette ann\u00e9e on se retrouve un peu dans la m\u00eame position toutefois je suis bien contente des efforts que nous avons mis \u00e0 remettre nos d\u00e9penses en bonne voie pour le fin de 2018 gr\u00e2ce \u00e0 notre mission pour r\u00e9duire nos d\u00e9penses pour l\u2019\u00e9picerie<\/a>.<\/span><\/p>\n

Voici quelques \u00e9v\u00e8nements qui ont marqu\u00e9 2018 en terme de d\u00e9penses plus \u00e9lev\u00e9es:<\/span><\/p>\n