Exposed! Our Family’s 2017 Spending

Today I’m going to share our 2017 final family expenses.  I’m stealing this idea from the MMM blog which exposes his family expenses every year.  His annual article is always one of my favourites and really shows how little a family actually needs to live. Overall we did very well in 2017 and we did have a lot of non recurring expenses which will help lower our expenses in 2018 even more.

So here it goes.

2017 Family Spending Report
Gas $2,414
Parking $61
Public transportation $705
Car insurance $812
Service & Parts $1,425
Bills & Utilities  
Internet $593
Cell phone (1) $195
Electricity $1,218
Natural Gas $1,333
Water & Sewers $359
Mortgage/rent $19,640
Furniture $1,978
Home supplies $498
Home Insurance $806
Property Tax $4,871
Baby Supplies $455
Kids Clothes $215
Daycare $17,184
Kids Activities $383
Toys $83
Groceries $5,912
Entertainment (Sports, Hobbies, Alcohol) $2,036
Restaurants $597
Fees & memberships $470
Gifts & Donations $1,327
Health Costs $68
Life insurance $436
Misc. Expenses $37
Personal supplies $522
Clothes – RJ & D $352
Electronics $59
Vacation (2) $3,027
Total Expenses $70,069
Expenses that are now eliminated or significantly reduced now that we are FI
Mortgage/rent (3) -$19,640
Daycare (3) -$17,184
Property Tax (4) -$3,471
Furniture (5) -$1,728
Gas (6) -$1,207
Public transportation (7) -$705
Life insurance (8) -$436
Anticipated Annual Expenses $25,699

(1): Yes, our cell phone bill is that cheap. D and I actually just have one phone and it’s on a pay as you go plan (unlimited texting, 125 minutes calling) for $15/month.

(2): We might take more vacations now but we have recently starting travel hacking which will easily compensate for this.

(3): No more mortgage, rent or daycare!!!

(4): Property taxes at the new house are $1,400/year (You can get the same rate! You just have to get the hell out of the big cities!)

(5): In 2017 our furniture expenses were mostly related to staging our house for sale and buying new (used) appliances for the new house. We don’t anticipate spending anything on furniture other than replacing a broken appliance.

(6): RJ used the vehicle for work a lot in 2017 and D commuted with the car for part of the year.  We expect gas to be at least 50% lower. $100 (2 tanks of gas) or less per month.

(7): This was entirely work related. D took public transit for part of the year.

(8): We cancelled our life insurance (check out this article if you’re wondering why).

(9): These expenses don’t include the major renovations we did at our houses last year.  These were capital expenses and were reflected in the proceeds of our real estate transaction and accounted for in our net worth calculations.

(10): Overall, our utility/insurance/grocery expenses are a little inflated as we did maintain 2 households for part of 2017.


So as you can see our expenses minus the things we have now eliminated come up to $25,699. I have a feeling this number will just keep getting lower as we are constantly finding new ways to save.  D is going to start on our new garden next month which will eventually start producing fresh produce and potentially lower our grocery bill.  We also just signed up for an Internet plan which is almost 50% less than our current plan.



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3 thoughts on “Exposed! Our Family’s 2017 Spending”

    1. For Internet, we were with Bell last year and paying $60/month but the reason I called them mid year because their plan had gone up $5 and I was upset because they had told me my price would be guaranteed for 25 months when I signed up. So they ended up giving me a one time $120 bill credit to make me happy.

      For cell phones we’re with Petro Canada Mobile. It’s a pre paid plan. It’s normally $20 a month for unlimited texting and 100 minutes (Canada wide) calling but they had a promo last year when we signed up for $15/month so we’re still on that plan.

  1. I’m not sure why but this blog is loading incredibly slow for me. Is anyone else having this issue or is it a problem on my end? I’ll check back later on and see if the problem still exists.

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