If you want a bit more context, the prelude pieces are Hope can be scary, Why do we never talk about personal finance?, and Getting my shit together: the plan for the next quarter.

The first thing I’m doing from the plan I made yesterday is to understand how I’m spending. This means listing out all of my fixed costs and interrogating them.

I already had them all listed out on a spreadsheet. 

Now, I interrogate them.

Feel free to do a cross-examination.

(Added later: I’ve removed the dollar figures from the individual line items but the total that I cut was $189.95/mth with an additional $35.20/mth coming off in the next month. And this was only 13 of the 69 fixed costs that I have — I still have 56 more to interrogate!)

This is for public transport.

Yes, this is fixed. I could reduce it by walking everywhere. I could drop some good money on a bike, an ebike, a scooter or an electric scooter, but this currently suits my needs.

I could get rid of this if I had to. But the influence it has on my wellbeing is so significant that it probably adds more to my life than takes away.

This is for a permanent desk at a coworking space. I’m going to email them now and switch to a casual desk. Sent. That took longer than it should have.

This is made up of:

I’m leaving this as it is for now. I may consider reducing the community to the lower tier in future. I may consider leaving the training program in future.

I’ve really got to migrate this to the other website builder (unlimited domains!) before the next monthly payment comes out.

This is for two email addresses: *@rosieo.co and *@rosieodsey.com

I’m cool with it.

This reflects my share of this. We leased them because we wanted the option to move overseas. I think it’s truly fixed.

This can be cancelled this month because I’m switching to a CRM and Xero

Yeah this can’t be cancelled without being negligent.

I use it regularly enough to warrant having this. Until I have someone who does this for me, I’ll need this tool.

This is often a business expense. I currently have 25 unfinished audiobooks on my phone. Wait a sec

That has now been cancelled. I’ll resubscribe when I need something else. At least this way there’s an additional barrier.

This show changed my life. I will continue to support it in this way. I also truly believe in the model of directly supporting stuff like this because people make better stuff when they’re not chasing sponsorship.

I’m participating actively in the community. I will consider leaving in future.