So… I wrote this up in March for my February to March spending. And apparently forgot to publish it. Since everyone seems to love to see people’s spending numbers, I figured better late than never, right? Just please remember when looking at the “Going Out” budget that this was pre-COVID lockdown or even before I’d heard any talk of flattening the curve.
Also, this post contains referral links. I am compensated for purchases through the links.
It was an ugly month folks — and it was even a few days shorter than normal.
Let’s take a look at the numbers, shall we?
Ouch ouch ouch! But there are actually pretty good reasons for most of the overages.
At first glance, I went crazy with this spending in category. But this actually included my cell phone service for a full year through Mint Mobile ($180). In addition, I had to pay almost $97 for TaxAct. So those two charges are already almost 150% of my monthly “Miscellaneous” budget. But since those won’t crop up for another 12 months, I don’t feel too bad about the overage.
No repairs or yard work this month, miraculously. So $0. Hooray!
I was lazy about laundry this month and only did two loads instead of my usual four. So not really impressive savings here so much as chore avoidance. Eh, whatcha gonna do?
I fill up every three weeks, meaning some months I fill up twice, others just once. Hence I budget for two fill-ups, but many months I’ll come in under budget. So no impressive savings here.
While just barely over budget, this was actually a pretty spendy month. I didn’t have my usual cut/color (since that happens every six weeks), but I did have to replace some makeup, the powder I use to cover my gray roots and the Hydroboost moisturizer that I was running low on. (As an Amazon affiliate, I may be compensated for purchases made through my links.)
I was nearly 100% over-budget here — but for a good reason. I got the CVS CarePass for $48 (already more than 150% of the allotted funds for the month). But that’s a great investment because I’ll get a $10 store reward every month, meaning I got $120 of CVS Extrabux for $48. Also, it means that future personal care category spending will be lower.
Here’s the category I have very little excuse for. Even having increased my budget to a fairly absurd amount, I went over. What can I say? I was a social butterfly this month.
My friends and I went out drinking, and we don’t choose cheap watering holes. So that alone was almost 1/3 of the monthly spending. Then I went on two dates at fairly pricey bars, so I paid for my own drinks — and one of those dates I had a fair number of drinks. (That bar’s drinks are just soooo good.) And in both cases, it was so late by the time the dates were over that I took a Lyft to get home, at almost $15 a pop.
I also spent about $20 when I went to a friend’s house because he requested I grab a specific vodka from the store (his back was out, so he couldn’t go himself ). This is the friend who throws all the house parties, so I figured I more than owed him a fifth of vodka for all the fun times.
So yeah… At least the spending indicates I had a good time? Even if Bumble dating is driving me crazy. Etiquette is far different from Tinder — which is both good and bad. I can’t tell if Bumble men are just too easily spooked (Two unprompted texts? Clearly I’m a stalker!) or if Tinder has ruined me for basic dating protocol. Sigh.
The weird number for the budgeted amount is because I took $225 (the actual budget) and deducted the cost of protein bars, which I pay for with a discounted gift card that was already accounted for in a previous month’s budget.
I did go slightly over in this instance, but that included about $20 extra for my half-assed prepping so…. Not bad overall. But I’d still like to bring the number under $200 (including protein bar spending) at some point.
Once again, Medicare didn’t process my previous month’s payment in time for the next billing cycle. So I was sent yet another double bill, meaning I paid almost $400 more than usual.
I also had to pay for two months’ premiums for my dental/vision add-on coverage because the company failed to bill me for February.
Otherwise, there was just the normal therapy session ($25), two massages ($105) and medications. Oh, I did pay $32 for two different kinds of sleep meds, given my insomnia issues this month. So that raised my spending a bit too.
We only went to trivia once this month, and we had so much bar cash that it covered the whole tab. So no spending here. Which just about balances out the next category:
I blame insomnia. It makes me crave carbs and grease and lowers my already-low willpower. So in the course of one week of bad sleep, I spent more than the monthly budgeted amount. Eesh.
I’ll work on it next month — especially now that I have my sleep meds. [As those of you who read my last budget update know, that didn’t happen because I stress-ate my way through the month.]
Nothing special here in that I came in almost exactly where expected. I’ll have to raise the budget in this category soon. My rates go up $30-40 in the summer to account for the significant amounts of extra energy used on A/C.
Yet another month where I didn’t make it out to a single movie. So with just the Hulu and Netflix charges, I came in under budget. But maybe not for the best reason? I’m woefully behind on my cinema (even blockbusters), so I should work on that. [Spoiler: Didn’t make it to any movies before the lockdown, so this category remained low.]
All in all
I guess, since I had $700ish in necessary overages ($97 in taxes, $180 cell phone, $400 redundant insurance premium and $24 previously-unbilled insurance add-on) plus going crazy on takeout and dating, going over by $372 for the whole month’s spending is pretty good. But I still hope next month will be better.
I’d ask how everyone else’s spending went, but I asked that last week with my up-to-date budget update. So… How’s everyone doing in general?