First Month of Solo Spending
I haven’t always posted my monthly spending on my blog, for this reason: I have often been embarrassed by it. I mean, for heaven’s sake, I’m a frugality blogger. How could I come on here and admit that we overspent our income for the month… again? I won’t bore you with the details, but the financial dynamic in my marriage was unproductive, and that’s not something I was comfortable exposing to the interwebs.
But… it’s all me now! I did a “fresh start” budget in YNAB, started a new YMOYL “wall chart” (actually a line graph in a Google Sheet), and here you have it, my unadulterated income and spending for August.
Net Earnings: $1012.79
Selling stuff on Craigslist: $50
Child Support: $350
Spousal Support: $383
Reimbursement: $210 (from Mr. FP for boys’ July health insurance)
Total Income: $2005.79
Total housing/utilities: $844 (This is my share–Mr. FP covered the parts of these billing cycles that dated to before his move-out.)
Home supplies: $83.55 (flannel sheets, Goodwill vacuum, parts to fix vacuum)
School lunches: $41.83 (This is 2-3 months of lunches as the boys are now on reduced-price lunch at $.40 per meal)
Total home/school food: $245.40
Parking and bus fare: $12.55
Total transportation: $57.36
Bike supplies and maintenance: $59.95 (this is a floor pump, Mr. FP having taken his, and new brakes for my bike–parts only, labor to follow in September)
Boys’ allowance spending: $6.78
Clothes and shoes: $49 (new uniforms)
School supplies and swim lessons: $63.87
Total kid spending: $119.67 (Again, this is my share–Mr. FP reimbursed me an approximately equal amount as I had done all the back-to-school shopping.)
Adult health: $8.70
Coffee shops and snacks: $40.07 (Higher than usual because of house being on the market and me having to leave at weird times)
“Out” entertainment: $22.60
Total Entertainment: $86.46
Adult clothing (Thinx): $60
Can’t remember what I bought at Target: $20.42
Total Shopping: $154.15
Travel: $76.38 (My budget for family vacation was $100. That’s almost exactly what I spent–I paid for my own Uber, slipped my niece a twenty for babysitting, and bought some booze, but then my aunt insisted I take a twenty when I got on the airplane. Thanks, Aunt B! Giant thanks to Great-Grandfather FP for the funding and Grandma FP for the planning.)
Cat food: $24.75
GRAND TOTAL FOR AUGUST: $1759.39
First of all, I think that a 12% savings rate on such a low net income is nothing to sneeze at. And I participate in a mandatory defined contribution pension plan at 8%, so my actual savings rate is higher.
That said, I’ll need to be putting away more than a couple hundred dollars a month if I’m ever going to pay off my lawyer, rent an apartment and rebuild my life. So I’ll obviously be working to reduce the categories of Coffee Shops, Frippery, Adult Clothes, and Bike Supplies and Maintenance. All of those categories had non-typical charges in them.
And I’ll need to make more money. I am in the process of signing up to substitute teach and have been picking up on-call library shifts. After-school child care remains a big hurdle–more on that later.
How was your August spending?