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.”

Income

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

Internet: $82.01

Electric: $59.28

Water: $32.47

Ting: $29.46

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

Groceries: $273

Wine:  $10.78

At-Home Food: $283.78

Gas: $38.59

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

Restaurants: $18.22

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

Travel: $526.41

Grand total spending: $2823.22

Analysis

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?

 

 

 

 

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About frugalparagon

I'm a part-time librarian and mom to two small boys. I blog about striving for the long-term goal of financial independence while running a tight ship at home.

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