December 2016 Spending: All Hail the Third Paycheck
Well, I’m a little behind the eight-ball analyzing my spending. Took a while to recover from my Christmas trip home.
Let’s take a look.
Support : $690.67
Library take-home pay: $2797.85! Holy cow! That’s 3 paychecks plus a wellness bonus.
Substitute teaching take-home pay: $215.64
Trivia pay: $70
HSA reimbursement: $595.09
Christmas money: $550
Total money in: $4919.70
Rent and co-billed utilities: $1050.97
Renter’s insurance (quarterly): $33.50
Xcel (electric): $22.31
Cell phone repair: $86.18 (Plus parts–see below. I, uh, smashed it, and also it needed new prongs in the part where you plug it in. Now my Galaxy S3 is running great again. Total repair cost was about a hundred.)
Groceries: $187.99 (Low because we traveled at the end of the month)
Auto maintenance: $274.15 (My
#$@&%*!? windshield cracked. Also snow tire installation and a wash.)
6-month Geico bill: $489.42 (I have full coverage for my “fancy” car)
Miscellaneous kids: $29.92 (includes their allowances and a birthday party gift)
Kid clothes and shoes: $23.34
Kid health: $95.69 (Just the tip of the iceberg. This is a payment on a $547 chunk of bill and we got another from the hospital for $1500.)
Coffee shops and snacks: $12.12
“Out” entertainment: $45 (Did one of things where you drink wine and paint)
Frippery: $59 (haircut and razor cartridges)
Adult clothes: $26.44
Christmas presents and general festivity: $355.02
Miscellaneous shopping: $19.87 (About $15 was a new battery and screen protector for my phone.)
Uber to airport: $29.92
Salvation Army kettle: $2
Cat food: $26.90
Total money out: $3066.66
Well, it’s certainly nice to have money left over. But it seems to me that all the surplus came from extra money, so I still have a ways to go to be living comfortably within my means. January will be tight. I will have no subbing check at all (the sub paycheck runs from the middle of one month to the middle of the next, and winter break means I didn’t sub) and not all that extra money. I’ll have to hope I don’t have any “oopses” this month–if I can keep from smashing from cell phone, cracking my windshield, or letter either of my kids injure themselves, it might turn out okay.
I had intended to spend some of the Christmas money on “stuff.” But then I realized I was actually pretty close to being able to pay off my lawyer, so I just earmarked the entire overage for my “professional services” category in YNAB. I will liberate some more money from my HSA (by submitting receipts I already paid for) and set that aside for the bill as well. I have no emergency fund.
Bottom line: I got a little breathing room this month, but I’m going to be skating on thin ice until I get a full-time job.