I Was a Little Impulsive in September: Spending Report
When I was a teenager, my older sister would sometimes ask me to do something with her–go to the mall, say–when no more-interesting company was available. “I have to do homework,” I would say. Somehow, twenty minutes later, I was always in the car going to the mall.
This story is by way of explaining why I had over $500 in travel expenses this month. I impulsively flew home to spend the weekend with my sister and middle nephew, surprise my mom (successfully!), and attend Sis’s 40th birthday party. It was a tad irresponsible, but, to quote Arlo Guthrie, “You can’t always do what you’re s’posed to do.”
Child support: $350
Spousal support: $383
Take-Home Wages: $1383.63
Dependent Care FSA reimbursement: $138
Selling stuff: $40
Kid reimbursements from the XFP: $116
Total Income: $2272.63
My half of mortgage: $837.67
Total housing and utilities: $1040.89
ATM fees (reimbursable) and divorce-related miscellany: $15.20
Bike maintenance: $82.31 (ouch!)
Apartment application fee: $50
At-Home Food: $283.78
Parking and transit: $29.50 (lots of extra bus tickets)
Total transportation: $68.09
Used bike for Little Brother: $50
Kid clothes and shoes: $74.51 (uniform pants, winter PJs and Halloween costumes)
Before- and after-school care: $73
The XFP’s share of things: $134 (some I have already gotten, some I will get on 10/20)
Doctor visit for LB: $98.36
Total kid spending: $429.87
Adult health (asthma meds): $165.88
Coffee shops and snacks: $33.79
Snacks at otherwise free Corn Maze: $12
Total entertainment: $64.01 (having the house on the market is still keeping this category high)
Haircut for me: $53
Clothes for me: $35.74
Misc. shopping: $8.99 (car charger for cell phone)
Total “me” spending: $96.78
Grand total spending: $2823.22
So, first I need to confess that I am confused about how much my shortfall is. YNAB calculates things a little differently because of the way money actually changes hands. See, I didn’t receive a check or spousal support or write one for the mortgage–the XFP and I just added up everything we owe each other and I wrote him a check for a couple hundred dollars, then I tried to reverse-engineer everything on here. YNAB shows a shortfall of more like two hundred dollars, as opposed to the over five hundred shown here. Hopefully this is something that will become more clear to me as I get the hang of how my monthly finances work.
Obviously, I can’t overspend myself every month. I had to shift around money that was earmarked for other things (eg, paying my lawyer), so refilling those stashes will be a priority next month. My before- and after-care charges reflect an increase in my hours that hasn’t shown up in my income yet, so that’s a factor as well–things should look better next month.
Considering the medical expenses and the amount of fun I had on the trip, I’m pretty satisfied with the month.
How was your September?