Have you tracked spending during quarantine?

Questions on how we spend our money and our time - consumer goods and services, home and vehicle, leisure and recreational activities
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investingdad
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Have you tracked spending during quarantine?

Post by investingdad » Sun Apr 26, 2020 8:06 am

If you use something like Quicken, knowing spending during quarantine is easy.

Since the start of the year, our spending is down 25%. It will come down even more when deposits on vacation plans start to come back.

stoptothink
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Re: Have you tracked spending during quarantine?

Post by stoptothink » Sun Apr 26, 2020 8:13 am

Not paying for childcare dwarfs all our other bills. Spending on food and gas is slightly down.

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anon_investor
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Re: Have you tracked spending during quarantine?

Post by anon_investor » Sun Apr 26, 2020 8:20 am

stoptothink wrote:
Sun Apr 26, 2020 8:13 am
Not paying for childcare dwarfs all our other bills. Spending on food and gas is slightly down.
1+

runner3081
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Re: Have you tracked spending during quarantine?

Post by runner3081 » Sun Apr 26, 2020 8:34 am

We track all of the time in Google Sheets. It isn't really down much, but most of what we do in normal life emulates "shelter in place".

The biggest changes people are seeing (and our impact):
-Eating out (we don't do it)
-Gas (my wife hardly drives, I am using a bit less, but still going into the office a few times per week)
-Childcare (wife stays at home)
-Vacation (we did have about 1.5k savings due to Disneyland closing 3-days before our arrival - our trip to the beach over the 4th is likely to happen, so that expense will remain).
-Food (spending is going down a bit because grocery stores are putting out garbage ads without any good deals these days, so we are not stocking up on sale items.)
-Entertainment (we usually only do free events, take bike rides, go to the park, etc - still do all of those, sans free events that are cancelled)

BanquetBeer
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Re: Have you tracked spending during quarantine?

Post by BanquetBeer » Sun Apr 26, 2020 8:38 am

Spending down 20-25% (based on credit card balances). I suspect a bit part is because we are not going to the stores and discovering cool things to buy. (Costco)

We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it. With work from home, it is easy to take a 10 minute break and do food prep so time isn’t as short as it used to be.

While childcare expenses are gone, I believe we have diverted that money into kids play activities. Bouncy castle, jungle gym, science experiments, school furniture....

Benefit is we will keep these things for a long time. Our costs would be less if we lived in a more rural area. We go to the park and the paved trails are full of people. We had some luck wondering into the woods but that space is harder to come by

mega317
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Re: Have you tracked spending during quarantine?

Post by mega317 » Sun Apr 26, 2020 8:39 am

Yep daycare was about a third of spending. For us gas is up a little -- luckily unchanged work schedules so far, and sometimes the kids need a car ride to nap. I'm realizing we never spent much on entertainment, mostly take advantage of memberships like the zoo, and the outdoors. And not much travel with two little ones. Food seems about the same although I review things the first of the month and we haven't been on lock down a full calendar month yet. Also saving a lot because we paid off a car and refinanced our mortgage in March although those are completely unrelated to quarantine.
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finite_difference
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Re: Have you tracked spending during quarantine?

Post by finite_difference » Sun Apr 26, 2020 8:40 am

Childcare -> 0
Restaurants -> 0
Housekeeping -> 0
Gym -> 0
Gas -> 0
Groceries++
Recreation++
Online shopping++
The most precious gift we can offer anyone is our attention. - Thich Nhat Hanh

Normchad
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Re: Have you tracked spending during quarantine?

Post by Normchad » Sun Apr 26, 2020 8:46 am

Mine isn’t down, mostly due to 2 things.

1) I’m still paying full, price for expensive prescriptions through my HDHP
2) I had to buy a new washer and dryer

Dottie57
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Re: Have you tracked spending during quarantine?

Post by Dottie57 » Sun Apr 26, 2020 8:49 am

My spending is about half this last month.

I’ve bought enough books for 4-6 months . Haven’t bought gas for car in 6 weeks.

May will have big ticket items like property tax, home and car insurance. I never like May for financial reasons.
Last edited by Dottie57 on Sun Apr 26, 2020 9:02 am, edited 1 time in total.

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Re: Have you tracked spending during quarantine?

Post by jebmke » Sun Apr 26, 2020 8:52 am

April is way down. 2019 tax payment and Q1-2020 estimated payment deferred to July. Did make a large spend donating to Maryland Food Bank. April not done yet but will probably come in below last year despite the Food Bank spend.
When you discover that you are riding a dead horse, the best strategy is to dismount.

dukeblue219
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Re: Have you tracked spending during quarantine?

Post by dukeblue219 » Sun Apr 26, 2020 8:55 am

We're down a little as one kid's childcare came off the books. The other kid goes to an in-home location and we've chosen to keep paying her.

Our grocery bill is up because we're eating more at home than before and we're building more of an inventory. Oddly our restaurant bill is actually up too because we've bought some gift cards to local places we like and have done delivery more than usual.

stoptothink
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Re: Have you tracked spending during quarantine?

Post by stoptothink » Sun Apr 26, 2020 9:02 am

BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread?

Dottie57
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Re: Have you tracked spending during quarantine?

Post by Dottie57 » Sun Apr 26, 2020 9:03 am

stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread? :shock:
:shock:

tibbitts
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Re: Have you tracked spending during quarantine?

Post by tibbitts » Sun Apr 26, 2020 9:10 am

stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread?
Must be very high-end bread, although in that case even ingredients might cost more than $1. Does $1 include the energy cost?

tibbitts
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Re: Have you tracked spending during quarantine?

Post by tibbitts » Sun Apr 26, 2020 9:17 am

My spending is down but it's too early to see the full effects in tracking for most people if they only import data at bill-end cycles - and you need a few cycles to get any significance. Travel alone would be a significant difference for me.

h82goslw
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Re: Have you tracked spending during quarantine?

Post by h82goslw » Sun Apr 26, 2020 9:19 am

stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread?
Gluten free? I have to buy all gluten free food due to an allergy and a loaf of bread is minimum $6, often more.

absolute zero
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Re: Have you tracked spending during quarantine?

Post by absolute zero » Sun Apr 26, 2020 9:30 am

Dottie57 wrote:
Sun Apr 26, 2020 9:03 am
stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread? :shock:
:shock:
"I mean, it's one banana Michael. How much could it cost? 10 dollars?" - Lucille Bluth

Hockey10
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Re: Have you tracked spending during quarantine?

Post by Hockey10 » Sun Apr 26, 2020 9:54 am

April 2020 will be the lowest spending month we have had in decades. No travel, no sports tickets, minimal gas expense, no shopping other than groceries, and no hiring of contractors to work on house. I track our spending using Personal Capital and we are down about 40% compared to a typical month.

SimonJester
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Re: Have you tracked spending during quarantine?

Post by SimonJester » Sun Apr 26, 2020 10:15 am

No real change for us, gas and dining out is down a little, but my wife is an essential employee that cannot work from home.
"They who can give up essential liberty to obtain a little temporary safety, deserve neither liberty nor safety." - Benjamin Franklin

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midareff
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Re: Have you tracked spending during quarantine?

Post by midareff » Sun Apr 26, 2020 10:17 am

Like many, April 2020 will be the lowest spending month we have had in many years. No travel, no restaurants, no malls or movies, minimal gas expense, no shopping other than groceries and groceries even seem to be down too. I'd guess 40 to 60% off besides travel.

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BogleFanGal
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Re: Have you tracked spending during quarantine?

Post by BogleFanGal » Sun Apr 26, 2020 10:24 am

spending more on groceries - printed coupons, BOGOs and specials are largely gone - or out of stock. Forced to buy whatever's left - which is typically higher priced brand names at regular shelf prices. Plus buying a little extra every time we schedule an order, based upon what we can cram into our limited storage space, just so we're not living week to week supply wise. And since everything is mostly via delivery, extra tips each time added in.

Also ordering more takeout to support a few local restaurants.
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JonnyDVM
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Re: Have you tracked spending during quarantine?

Post by JonnyDVM » Sun Apr 26, 2020 10:29 am

absolute zero wrote:
Sun Apr 26, 2020 9:30 am
Dottie57 wrote:
Sun Apr 26, 2020 9:03 am
stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread? :shock:
:shock:
"I mean, it's one banana Michael. How much could it cost? 10 dollars?" - Lucille Bluth
😂 Our spending is way down. I don’t track it precisely, but no restaurants, and no where to go. Plus I’m getting refunds for cancelled travel. So now we have a load of Delta credit and my pockets are bulging with chase points. I would feel so rich right now if it wasn’t all so depressing.
I’d trade it all for a little more | -C Montgomery Burns

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lthenderson
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Re: Have you tracked spending during quarantine?

Post by lthenderson » Sun Apr 26, 2020 10:29 am

I don't track spending but rather savings. Our savings is up significantly. Less gas, less eating out, less entertainment like plays, musicals, orchestras and such. We spent down some of our savings account for a major home renovation last year and I was expecting it would take until the middle of the year to get it back to the level I want it. We are already there so now I'm sticking any extra into our taxable.

yules
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Re: Have you tracked spending during quarantine?

Post by yules » Sun Apr 26, 2020 10:39 am

absolute zero wrote:
Sun Apr 26, 2020 9:30 am
Dottie57 wrote:
Sun Apr 26, 2020 9:03 am
stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread? :shock:
:shock:
"I mean, it's one banana Michael. How much could it cost? 10 dollars?" - Lucille Bluth
Forget index funds. There's money in the banana stand.

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arcticpineapplecorp.
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Re: Have you tracked spending during quarantine?

Post by arcticpineapplecorp. » Sun Apr 26, 2020 10:43 am

Image
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jebmke
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Re: Have you tracked spending during quarantine?

Post by jebmke » Sun Apr 26, 2020 10:52 am

I just spent $2.25 for gas for my brush cutter. First of the month.
When you discover that you are riding a dead horse, the best strategy is to dismount.

runner3081
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Re: Have you tracked spending during quarantine?

Post by runner3081 » Sun Apr 26, 2020 10:57 am

stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread?
Was going to say the same thing! 88 cents a loaf is what we buy, wheat bread.

MathWizard
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Re: Have you tracked spending during quarantine?

Post by MathWizard » Sun Apr 26, 2020 10:59 am

Down slightly.

Only gas and haircuts have really gone down.

We don't eat out much, but have ordered takeout to help out businesses.

Internet cost and electricity are up due to work at home.

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TierArtz
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Re: Have you tracked spending during quarantine?

Post by TierArtz » Sun Apr 26, 2020 11:22 am

I track spending very closely with Quicken. Not counting taxes, not much of a decline was noted (29K in 2020 vs 31k in 2019), and the variations in categories could be random. It's plausible increases in utilities (kids and DW home during day), home maintenance (DW has more time to buy project supplies) , food (pantry is fuller than normal), and sporting goods (me finally buying new firearms and ammo I'd window-shopped for years) could be related to recent events. Likewise, entertainment spending is way down, but last year's Spring Break was just more expensive than normal. So, down about 6% YOY.
Last edited by TierArtz on Sun Apr 26, 2020 11:33 am, edited 1 time in total.

regularguy455
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Re: Have you tracked spending during quarantine?

Post by regularguy455 » Sun Apr 26, 2020 11:25 am

Way down across the board. Electric and water up slightly due to be home constantly. But that’s not exactly a barn burner expense.

Looking to pump some money back into the economy with a blow it out vacation at the end of summer.

Monsterflockster
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Re: Have you tracked spending during quarantine?

Post by Monsterflockster » Sun Apr 26, 2020 11:34 am

runner3081 wrote:
Sun Apr 26, 2020 10:57 am
stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread?
Was going to say the same thing! 88 cents a loaf is what we buy, wheat bread.
Dang man 88 cent bread? I recommend splurging a bit and upgrading to a good sourdough... it will change your world compared to the wonderbread you are eating! :D

anonsdca
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Re: Have you tracked spending during quarantine?

Post by anonsdca » Sun Apr 26, 2020 11:45 am

Have tracked spending for the past 10 years vigorously. Virus has nothing to do with that (or much other). I dont think you can even think successfully about retirement without expenses being the focal point.

runner3081
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Re: Have you tracked spending during quarantine?

Post by runner3081 » Sun Apr 26, 2020 11:46 am

Monsterflockster wrote:
Sun Apr 26, 2020 11:34 am
runner3081 wrote:
Sun Apr 26, 2020 10:57 am
stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread?
Was going to say the same thing! 88 cents a loaf is what we buy, wheat bread.
Dang man 88 cent bread? I recommend splurging a bit and upgrading to a good sourdough... it will change your world compared to the wonderbread you are eating! :D
haha... Some people live to eat... others eat to live :)

Pomegranate
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Re: Have you tracked spending during quarantine?

Post by Pomegranate » Sun Apr 26, 2020 12:13 pm

runner3081 wrote:
Sun Apr 26, 2020 10:57 am
stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread?
Was going to say the same thing! 88 cents a loaf is what we buy, wheat bread.
Wheat :mrgreen: ?
I guess its overloaded with the whole spectrum of Es :sharebeer

Boglegirl81
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Re: Have you tracked spending during quarantine?

Post by Boglegirl81 » Sun Apr 26, 2020 12:14 pm

I think our spending has gone up a bit actually. We haven’t done any impulse buys and we aren’t big online shoppers, but we just now have the time to tackle the things on our to-buy list. I like to do a lot of research before making purchases.

123
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Re: Have you tracked spending during quarantine?

Post by 123 » Sun Apr 26, 2020 1:00 pm

Our food spending is up about 20%. Before quarantine I used to stop for groceries at maybe 3 different places a week due to personal preferences and avoidance of food spoilage. Now we keep it down to once a week going to a different place each week. So our refrigerator/freezer "buffer" (okay it's a little hoarding) of future meals is maxed since we don't replenish from each store as frequently. Some prices have gone higher. Our freezer now holds more frozen beef, chicken, and pork because we buy more when it's in stock and availability of fresh meat varies.
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Starfish
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Re: Have you tracked spending during quarantine?

Post by Starfish » Sun Apr 26, 2020 3:37 pm

runner3081 wrote:
Sun Apr 26, 2020 10:57 am
stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread?
Was going to say the same thing! 88 cents a loaf is what we buy, wheat bread.
Does it light in the dark?

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GerryL
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Re: Have you tracked spending during quarantine?

Post by GerryL » Sun Apr 26, 2020 3:56 pm

My spending right now is up because I tend to front load many large expenses in the first half of the year. So QCDs, last year's property taxes and future travel all show up in Quicken as ytd expenditures. I play with the number to see what my monthly average spend is. But I can tell when I reconcile my checking account that routine expenses -- mostly groceries -- are down, even though I am not doing my usual price-conscious shopping when I make my every-other-week trip for groceries. If something on my list is in stock, I get it. I even paid a premium to get a 5lb bag of brown rice from Amazon after failing to find in the stores for the past 6 weeks.

MathIsMyWayr
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Re: Have you tracked spending during quarantine?

Post by MathIsMyWayr » Sun Apr 26, 2020 4:37 pm

I spent well over $600 on groceries yesterday. I also bought a refrigerator and a multi-function printer recently. Big savings on gas, but more on utilities.

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Re: Have you tracked spending during quarantine?

Post by livesoft » Sun Apr 26, 2020 4:42 pm

Employment situation is unchanged. Spending is the same. We are still paying maids. We are driving the same which is not much. Groceries and take-out are about the same. Son is eating at home about what he ate in college. Steady as she goes.
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vveat
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Re: Have you tracked spending during quarantine?

Post by vveat » Sun Apr 26, 2020 8:24 pm

stoptothink wrote:
Sun Apr 26, 2020 9:02 am
BanquetBeer wrote:
Sun Apr 26, 2020 8:38 am
We are also cooking a lot. Loaf of bread costs $1 to make vs $6-10 buying it.
$6-$10 for a loaf of bread?
Not sure where they live. We do bake most of our bread even pre-quarantine, but occasionally buy some ciabatta or a baguette (I did master the homemade baguettes during the last couple of weeks :sharebeer). In NJ the bakery bread can be $3-4 in a regular store, even the pre-packaged cut bread is usually at least $2. But I was recently in Kings and had a sticker shock at the bread prices, don't remember exactly but I walked out without bread, must have been in that $6-10 range. So I guess it's not impossible.

quantAndHold
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Re: Have you tracked spending during quarantine?

Post by quantAndHold » Sun Apr 26, 2020 8:43 pm

Travel was about 50% of our spending last year, so there’s that. I think our travel spend for the year is going to be $0.

Other than travel, we would probably be on par with a normal year, except for the $30k emergency remodel that we’re in the middle of right now. So all in all, we’re probably about even for the year so far.
Yes, I’m really that pedantic.

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arcticpineapplecorp.
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Re: Have you tracked spending during quarantine?

Post by arcticpineapplecorp. » Sun Apr 26, 2020 8:54 pm

just gassed up the car for $17.
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JonnyDVM
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Re: Have you tracked spending during quarantine?

Post by JonnyDVM » Sun Apr 26, 2020 8:59 pm

I’ll tell you what’s way up. The alcohol budget.
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Re: Have you tracked spending during quarantine?

Post by sailaway » Sun Apr 26, 2020 9:12 pm

On the March billing cycle, we had car insurance, plus a charitable donation that more than made up for savings. April billing cycle had boat insurance and May will have another charitable donation. For June, I still have to convince DH that we should donate an extra $300 to match the CARE tax credit, rather than just using it on our usual donations.

Since we only go shopping every two weeks, we ended up with two trips on the March cycle, but only one on the April cycle - lowest Am Ex ever!

We also didn't get any refunds for travel, just vouchers and miles and from eurail a nice long extension. Hopefully, long enough because we have found a new destination while trawling the internet in our suddenly copious free time.

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Clever_Username
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Re: Have you tracked spending during quarantine?

Post by Clever_Username » Sun Apr 26, 2020 9:59 pm

Accidentally, since I haven't bought anything with cash (not that I usually do anyway). Three figure credit card bill for the first time in ages and I know that's all my spending except housing and maybe one utility or two that I pay by check. No golf, no going out to eat (I think I went to Rubio's once in that range and In-n-Out twice). I stopped driving to work back in November.
JonnyDVM wrote:
Sun Apr 26, 2020 8:59 pm
I’ll tell you what’s way up. The alcohol budget.
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Ron Ronnerson
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Re: Have you tracked spending during quarantine?

Post by Ron Ronnerson » Mon Apr 27, 2020 12:46 am

Overall, expenses are down about $1k/month for us. These are the monthly savings:
-Restaurants and coffee shops – $300
-House cleaning – $120
-Car Depreciation on two cars – $200
-Gas for cars – $150
-Car maintenance/repairs, tires, and reduced auto insurance cost - $50
-Entertainment - $50
-Vacations - $100 (this is for miscellaneous expenses while on vacations and does not include the miles and points that have been refunded back due to cancelled trips)

Groceries are up a bit so far but we stocked up on things and are slowly using up those items.

Luckywon
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Re: Have you tracked spending during quarantine?

Post by Luckywon » Mon Apr 27, 2020 1:16 am

My spending on food is down as we are doing far more cooking at home. However, I am spending a lot of money online on what can fairly be described as impulse purchases, almost as a form of entertainment. :shock:

jlawrence01
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Re: Have you tracked spending during quarantine?

Post by jlawrence01 » Mon Apr 27, 2020 2:13 am

We have tracked all of our expenses starting in starting in 2014 when I retired. We thought that we would do it for a year or two. However, when we saw the information that we received from doing it, we have kept doing it.

Personally, I can't think of a single category that we are spending more in the past six weeks. The little more that we are spending on groceries is significantly offset by the fact that we have not eaten or ordered from a restaurant in nearly six weeks. Nearly all my spending have been food and medical.

And then there have been the refunds of deposits on three trips I have cancelled, two settlement checks, and a couple of other windfalls.

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Sheepdog
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Re: Have you tracked spending during quarantine?

Post by Sheepdog » Mon Apr 27, 2020 2:51 am

Negligible difference, but being retired and already at home most of the time, there isn't much difference in needs.
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