We played with the budget a bit, and were able to end the month about $500 up.

Sep-18
Category  Previous Budgeted Spent Remaining
Monthly Bills
     Rent  $   4,375.00  $      1,375.00  $     3,000.00
     Phone  $         70.00  $            70.00  $                  –
     Internet  $         60.00  $            60.00  $                  –
     Electricity  $         54.00  $            53.85  $             0.15
     Church  $         10.00  $         10.00  $            21.00  $           (1.00)
     Car Insurance  $         82.00  $            80.79  $             1.21
     Renters Insurance  $         25.00  $           25.00
TOTAL  $   4,676.00  $      1,660.64  $     3,000.36
Everyday Expenses
     Groceries  $           9.90  $      250.00  $         224.80  $           35.10
     Alcohol  $         40.00  $            86.40  $        (46.40)
     Fuel  $      270.00  $         219.07  $           50.93
     Spouse Spending  $      184.11  $      215.00  $         486.03  $        (86.92)
     My Spending  $         75.00  $         118.27  $        (43.27)
     Restaurants  $      150.00  $         268.78  $      (118.78)
     Medical  $   6,593.23  $      100.00  $            15.49  $     6,677.74
     Clothing  $         20.00  $           20.00
     Household Goods  $         11.66  $         60.00  $         328.73  $      (257.07)
     Business Expenses  $         24.47  $         75.00  $            58.98  $           40.49
     Personal Care  $         95.00  $            70.00  $           25.00
     Pet Supplies  $         30.00  $         30.00  $            50.09  $             9.91
TOTAL  $   1,380.00  $      1,926.64  $     6,306.73
Rainy Day Funds
     Emergency Fund  $   2,550.21  $      175.00  $            14.77  $     2,739.98
     Car Repairs  $         71.36  $         50.00  $        121.36
     Gifts  $      200.00  $        200.00
     Professional Licenses  $         87.00  $      300.00  $        387.00
     Car License Fees  $      118.00  $         20.00  $        138.00
     Investment  $         50.00  $            50.00  $                  –
     Taxes  $                  –
     Vacation  $      414.43  $      126.51  $         240.94  $        300.00
     Yearly Subscriptions  $      170.00  $         30.00  $        200.00
TOTAL  $      951.51  $         305.71  $     1,346.36
Student Loans  $           0.84  $   1,397.00  $      1,396.58  $             1.26
TOTAL EXPENSES  $   8,404.51  $      5,289.57  $  10,854.71
TOTAL INCOME  $   9,542.45  $      9,542.39
Remaining from Last Month  $      (82.74)
TOTAL REMAINING  $   1,055.20  $      4,252.82
OVERSPENT  $    (553.44)
TOTAL LEFT FOR NEXT MONTH  $      501.76

Largest overspending was in household goods.  We ended up getting me a pregnancy pillow.  I’ve been having an awful time sleeping, and the last week has just been awful.  The spouse has been bothering me to get something (apparently my restlessness rubs off on him) and finally broke me down.  We also spent about $100 for the mother in law, but we’re housesitting for her basically all this month, and she gave us $1,000 for that so we’re willing to let the $100 go.

Next biggest overspending category was restaurants.  We both also have a lot of eating out in our individual spending accounts, so this is probably where we need to consider tackling.  We have food in the house, and there’s not a lot of food waste going on, so it’s not that.  We just both come to the end of the day, look at our leftovers and go “ugh.”  No one wants to eat them.  Add in that I’ve been tired and cranky, and all I really want is junk food from the drive through.  Or maybe carne asada fries (less than $10 feeds two people, don’t judge too hard!).  So I’m considering going back to how I used to cook, before I started doing a lot of batch cooking, where I just kept ingredients around that I know what to do with, and if they start looking like they’re going to turn, throw them in a stir fry.  More veggies, and now that fall’s theoretically here, more bakes and soups or stews.  I’ve never enjoyed meal planning anyway, so we’ll see how this goes.  I think increasing our grocery budget a bit, but cutting down on our eating out is totally worth it.  We are out of our own house for about a month, so it’ll be an interesting experiment.

We are getting an extra $1,500 for October, and we’ve already decided we’re putting that towards moving, so we’ll have $4,500 total for moving expenses.  The spouse wants to get that up to $6,000 before December if possible, to cover two to three months of rent, plus the actual cost of the move, including a moving van or pod for our stuff.  I think that’s a good idea, but a bit of a stretch.  I figure that even if I have complications during birth, the last time I had internal surgery our out-of-pocket was around $5,000.  We have $6,700 put away for medical, so if we have to spend $5,000 on “extra” expenses to do with childbirth, we would still have around $1,500 to put towards moving, bringing the total up to $6,000.

If the insurance gets all fucked up though, all bets are off.  We are doing a hospital tour in October, so I’ll start having conversations with the hospital billing department this month.  I’ve already called the insurance company, and their response was that it’s all up to how the hospital charges things.

I really want single payer, if only for ease of budgeting for potential costs.  I really hate that the current system is so non-transparent.  It’s like the worst lottery ever.