I actully thought you stole my idea of calculating you personal inflation index. You pobably don't read my writing so maybe you didn't.

I have lower inflation.

"expenses such as food, housing, clothing, transportation, medical, insurance, education, and recreation.

Food, we have seen some increase, but we stopped eating beef for environmental reasons and that saved us $30 a week, probably offset last year's food inflation.

Housing, we own our house free and clear, but we did see a small increase in property tax and property insurance but less than a percent.

Transportation, no travel and almost no commuting this past year as I have been working from home so even with an increase in gas prices we have spent less on transportation. We own both our cars, I guess we should figure in depreciation but that would be a negative inflation wise as the depreciation is less this year than last, and our car insurance dropped with less driving and depreciation on the value of our vehicles.

Medical, deductible and co-pays did not change so no inflation.

Insurance, no change, still provided by my employer.

Education, we are not paying for any classes, kindle unlimited did not go up in price.

Recreation, we don't eat out or go to movies or such. While the input materials for my primary hobby have gone up in price, they are almost completely unavailable, so I have been depleting my stock of supplies and shooting less, any inflation here is deferred.

Like many people, due to the pandemic, we have not seen any significant inflation certainly less that as stated by the CPI.

Inflation is personal and national. Hurts some more than others.