Where We Spend Our Money

How we've spent quite a lot of money since about 1996. Because we run our house out of a single bank account, and have done since about 1994, we have a very good history of how we spend our money.
In the database is 34,882 transactions, starting 2/12/1996 and the latest 28/07/2026

Petrol

$128,296.17
Total spend on Petrol
Petrol

On first reflection, this seems like a huge amount of money, and it is of course, but simplistically (not taking into account inflation etc) it's only about $4,335 a year or $360 a month to run 2 cars. We replaced one of our cars with an EV in Sept 2023 and the reduced spend on fuel is noticeable.

Z should be sending us a Christmas card every year though

Note the fascinating spend gap for April 2020 when NZ went into lockdown the first time where our only purchase at a service station was a bottle of milk

The gap in late 2004 was when we were briefly livng in Madison, WI, USA.

For the record, the first petrol purchase was on 12/2/1996

Petrol purchases per day — last 12 months
Mon
Wed
Fri
Aug
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Less
More
$100,520.43
Shell / Z
$4,507.36
Caltex
$2,971.31
BP
$4,443.71
Mobil
$11,573.03
Gull

Supermarkets

$184,091.18
Possibly only half our Supermarket spend
Supermarkets suck our cash

Our total supermarket spend is not entirely accurate for various reasons, but it's still interesting to compare where we spend the money.

Despite this data not including every time we've ever been to the supermarket, the total visits we do have is 3,945 times Gabba has walked into a supermarket, or on average once every 2.45 days. If I was to guess, the average would be much closer to 1.

$107,781.13
Woolworths / Foodtown / Countdown
$6,582.26
New World
$62,085.32
Pak n Save
$2,773.09
Farro Fresh

The Warehouse

$11,519.93
Total Spend at The Warehouse
The changing habits of our spend at The Warehouse

At one point it seemed we were in The Warehouse almost every weekend and then suddenly it occured to me that it was bloody ages since I was last there. I assume it's because we stopped buying stuff for the kids. The chart below shows our The Warehouse purchase history $ spend by month. Amusingly the last few years we are shopping at The Warehouse, again for the kids but this time buying stuff for them to move out into places of their own.

The big spend November 2013 was for a Playstation 4. By the time I got around to buying, The Warehouse was the only place left with stock

The Hardware Stores

$25,932.55
Total Spend at Hardware stores
We bought a house to spend money at hardware stores

We bought our house in January 2010. Which is about exactly when the chart below shows a marked increase in our spending at Hardware stores. Conveniently or not, we live only 800m from a Bunnings. We have been to Bunnings Constellation 402 times.

Through late 2014 to about mid 2016 we did some landscaping at home and so for a small period we spent money at our local Placemakers. When that project was over, we've barely been back.

KFC

$636.94
Total Spend at KFC
Avoiding the post KFC purchase regret

KFC isn't our favourite, apparently, having only purchased there 21 times in the last 28 years and only once in the last 8.

McDonald's & Burger King

295
McDonald's visits
236
Burger King visits
The kids-growing-up hypothesis

The hypothesis: as the kids grew up there was a bulge of McDonald's visits that then disappears. The chart below shows visit counts by month — not dollars spent, just how many times we walked through the door.

The Coffee Index

3,920
Coffees purchased
A personal inflation index, measured in flat whites

Forget the CPI. This is inflation as actually experienced: the average price of a cup of coffee, per year, from our own bank statements. Around $4.50 in 2005, pushing $7 now. The index starts at 2005 because before then coffee was an outing, not a habit — too few transactions a year to fairly price a cup.

The bars are how many coffees we bought each year, the line is what they cost. Purchases over $15 are excluded so a bag of beans doesn't masquerade as one very expensive cup.

The Haircut Index

373
Haircuts on record
The same haircut, at three and a half times the price

The average price we paid for a haircut, per year. About $22 in 2000, north of $70 now. The hair being cut has arguably decreased in quantity over the same period, which makes the unit economics even worse.

The Death of Cash

Watch a payment method die in real time

Cash withdrawals per year. In 2002 we visited an ATM 35 times. From 2018 we've barely visited an ATM, less than a handful of times.

Cafe Eras

Every era of our lives has an official cafe

Like a band has album eras, we apparently have cafe eras. Visits per year to every cafe that has held the morning coffee title: Zest Cafe leads all-time with 575 visits, then The Bridge Cafe (435), Cafe Perch (421), Casetta (366), Il Buco (325), Bean Rise (285), Sierra Cafe (265), Milk Cafe (232), Ruben Cafe (216), Daily Bread Morrow St (208), The Strand Cafe (104), The Coffee Guy (58) and Little Big Cafe (25). You can see one cafe hand over to the next like a relay baton.

Takeaway Night Is Friday Night

Statistically proven, at last

Every takeaway purchase since 1996, counted by day of the week. Friday wins by a landslide — more than double second-placed Monday. And Saturday? Fourteen takeaways in thirty years. Weekends are for cooking, apparently.

Streaks & Droughts

1,482
Days in our longest KFC drought
11
Days in our longest no-spend streak (December 2024)
21
Transactions on our busiest day ever, 05/01/2011

Sky TV

$29,481.62
Total spend on Sky TV
28 years of paying for television

We've been paying Sky every month since May 1998 — 335 payments and counting. It started at about $62 a month, climbed steadily to a peak of around $120 a month through 2012–2014, and then dropped sharply in 2015 — which is, not coincidentally, exactly when Netflix arrived in New Zealand and we trimmed the package back. It's been creeping up again ever since and is now over $100 a month.