November went really well, and planning for maternity leave went even better!

I ended November with about $6,000 to use for the rest of my maternity leave (I have my last round of invoices due in December amounting to $700 as well), but I was looking at trying to cut expenses for the rest of the maternity leave, to save as much money as possible.

First, I called up one vendor, explained I was going on maternity leave, and asked if I could just delay the account until July 2019.  They said they’d go ahead and cancel starting this month, and I could always restart once I was ready.  So that saved $805.

Then I called up my malpractice insurance and paid it off through the end of the policy term, and paid my bar fees.  Although this meant spending money, it was money that I was already planning on spending anyway.  Putting these expenses before the end of the year meant my estimated taxes dropped from $1,200 to around $400 (although with my last invoices, they might go up again, but it won’t be big) saving another $800.

So, in total, by front-loading some expenses, and canceling others, I’ve saved around $1,600.  Right now, it’s looking like I’ll have about $2,400 still in my bank account once I’m ready to come back from maternity leave.

I do still feel guilty about the $7,255 in personal money spent that hasn’t been paid back to our family coffers, but I guess it was an expensive learning experience.  I think I’m going to be looking for jobs during my maternity leave, so we’ll see what comes up.  I think at the end of the day, I’m just not cut out to be a solo, and that’s ok, I just need to find what I am cut out to be.  Yay for several months of self discovery!

Category  Previous Budgeted Spent Remaining
Personal Money Spent  $   7,255.37 $7,255.37
Savings $0.00
Pre-YNAB debt
     Credit Card $0.00
TOTAL $0.00 $0.00 $0.00
Monthly Fees
     Others $14.00 -$14.00
     Apps/Software/Web Services $147.11 -$147.11
     Insurance $255.97 -$255.97
     Memberships and Subscriptions $249.00 -$249.00
TOTAL $0.00 $666.08 -$652.08
     Networking Events $0.00
     Office Supplies $0.00
     Transaction/Processing Fees $46.67 -$46.67
     Meals and Entertainment $47.98 $47.98
     Parking and Tolls $18.00 -$18.00
     CLE $0.00
     Advertising $0.00
TOTAL $0.00 $64.67 -$16.69
Yearly Expenses
     Post Office Box $0.00
     Bar Fees $0.00
TOTAL $0.00 $0.00 $0.00
     Quarterlies $0.00
     Business License $0.00
     Year-End Taxes $0.00
TOTAL $0.00 $0.00 $0.00
TOTAL EXPENSES $0.00 $730.75 -$668.77
TOTAL INCOME $1,500.07 $1,500.00
Remaining from Last Month $5,266.33
TOTAL REMAINING $6,766.40 $769.25
OVERSPENT -$730.75