Net Worth Update – November 2018

For the month of November, I wanted to see how things would go if I didn’t follow a strict budget. I’m now realizing that I probably should have waited until December because I did quite a bit of shopping. My net worth did increase though. The markets performed decently and, as usual, I contributed a sizable amount to my retirement accounts. 

Liquid AssetsStartEnd$ Change
Cash & Checking$1,546$1,528($18)
Emergency Fund$5,411$5,423+$12
Savings Goals$1,409$585($824)
Brokerage Accts$1,297$1,273($58)
Illiquid AssetsStartEnd$ Change
Savings Bonds$1,407$1,409+$2
Home Equity$18,688$19,250+$562
401K$38.580$40,996+$2,416
Roth IRA$23,789$24,638 +$849
LiabilitiesStartEnd$ Change
Loans($12,235)($11,429)+$806
Net Worth$79,893$83,639+$3,746
% Change+4.7%

My liquid assets decreased quite a bit due to my purchases.  I also have ~$500 in credit card debt that is carrying over into December. It’s been a while since I’ve had to carry over credit card debt into the next month and I’m not proud about that.  Using reverse engineering I can back out my spending and compare it to a typical month:

CategoryBudgetedActualRemaining
(1) Bills & Utilities$175$146$10 under
(2) Food$300$319$90 under
(3) Medical$-$92$-
(4) Everything Else$300$1,170$708 over
Total (1+2+4)$775 $1,635$860 over

I went way over my “Everything Else” budget. This is where my miscellaneous spending went:

  • New TV – $635
  • Christmas Gifts – $125 (With ~$175 left to go)
  • Home Decor – $100
  • Snow boots – $45

Thankfully the overages were anticipated. I didn’t actually stray too far from my budget, I knew these expenses were coming and so I did establish sinking funds for them (note how my “Savings Goals” category decreased in my net worth). But it was hard for me to gauge whether or not I was going overboard since I made so many extra purchases. It sure felt like I was going overboard, but turns out I did not.

Next Month

Last month I mentioned November was a 3 paycheck month. Turns out that the third check hasn’t actually processed it will be reflected in my December post. That’s why I have so much credit carrying over into December. I’m not going to be doing too much with the third paycheck due to impending medical bills and a loan payment to my parents.  After December I’m going to tweak my budget a bit to try and save more in 2019. Until next time! 

Net Worth Update – October 2018

So long October.  This past October is actually my first acknowledged “bad” month since I started this blog. So what happened? Well for one the markets did not cooperate, which largely contributed to a decline in net worth:

Liquid Assets Start End $ Change
Cash & Checking $2,700 $1,546 ($1,154)
Emergency Fund $5,405  $5,411 +$6
Savings Goals $725 $1,109 +$384
Brokerage Accts $1,355 $1,297 ($58)
Illiquid Assets Start End $ Change
Savings Bonds $1,405 $1,407 +$2
Home Equity $18,125 $18,688 +$563
401K $39,880 $38,580 ($1,300)
Roth IRA $25,400 $23,789  ($1,611)
Liabilities Start End $ Change
Loans ($13,190) ($12,235) +$955
Net Worth $81,805 $79,593 ($2,213)
% Change -2.7%

Another thing that didn’t help my budget was having to buy a new chromebook for the second month in a row.

Category Budgeted Actual Remaining
(1) Bills & Utilities $755 $745 $10 under
(2) Food $300 $210 $90 under
(3) Medical $- $79 $-
(4) Everything Else $300 $1,008 $708 over
Total (1+2+4) $1,355  $1,963 $608 over

I have bad computer luck, so I really should have insured my old chromebook, but I didn’t. And since it was cheap, it didn’t survive the fall off my coffee table. The new Chromebook cost me $600. It is insured for 4 years, and this one has “gorilla glass”. So at least I won’t have to worry about saving for a new one next year. If it weren’t for this purchase I wouldn’t have gone so far ($608) over budget. Good thing I earned an extra $800 last month.

I also paid 3 periodic bills that totaled another $600. I did anticipate them, which is why my “Bills & Utilities” budget is so much higher than usual.

And I’m pretty proud of my low medical costs this month. I am still waiting on a few bills, and I anticipate higher costs in November/December.

A New Budgeting Method

One new thing that I tried in October was to not actively track my budget. I only tallied up my expenses at the end of the month for the consistency of this blog. I think I’m going to try it again next month to see how it goes. I know that I budget $600 for my “Food” and “Everything Else” expenses. Since all these expenses go on my credit cards, I can easily keep track of my progress by ensuring my credit cards do not exceed a collective total of $600. Budgeted expenses that fall outside of  “Food” and “Everything Else” categories (such as “Bills & Utilities”), can be paid right away to make tracking easier. If it works out well, I will no longer meticulously track my expenditures.

Next Month

I’m really looking forward to next month. I’ll be getting three paychecks!  This year is a bit unusual since there will be three months with three paychecks instead of the usual two (i.e. 27 pay periods instead of 26). I plan to purchase a TV, put money aside for Christmas presents, and make a loan payment to my parents.  It’s been pretty hard for me to save, since I’m paying down my 401K loan. I plan to stop aggressive payments in January 2019. In June 2019, I should have my furniture loan paid off and get a pay raise.  Then I’ll be in a position to save up to $300/month. If I were more strict with my current budget I could do that now.

Next Year

This month it’s open season and I’ll have to decide on my healthcare plan for 2019. I had been internally debating over whether I should switch to a High Deductible Healthcare Plan (HDHP) so I could make use of an HSA. My employer recently published the options for next year. Interestingly, the HDHP is strictly better. According to my calculations, if I have a year of perfect health, the HDHP would result in $4,000 in savings over the regular option. If I have a year of poor health the HDHP would still result in sizable savings of $1,600 over the alternative.  Usually, HDHPs are more expensive than low-deductible alternatives if you use a lot of medical care resources . In this case, the HDHP monthly premium payments are near $0, which offsets the higher deductible and out of pocket maximum.

Recap

All in all the month wasn’t terrible, I didn’t lose any sleep over my financial circumstances or anything, but I’ve had better months.

Net Worth Update – September 2018

September was another great month, at least in the financial sense. My net worth increased by around 4 percent:

Liquid Assets Start End $ Change
Cash & Checking $2,100 $2,700 +$600
Emergency Fund $5,375  $5,405 +$30
Savings Goals $725 $725 +$0
Brokerage Accts $1,350 $1,355 +$5
Illiquid Assets Start End $ Change
Savings Bonds $1,425 $1,405 ($20)
Home Equity $17,575 $18,125 +$550
401K $38,600 $39,880 +$1,280
Roth IRA $25,150 $25,400  +$250
Liabilities Start End $ Change
Loans ($13,950) ($13,190) +$760
Net Worth $78,350 $81,805 +$3,455
% Change +4.4%

I stuck to my budget and only went $1 over. In my last post I mentioned that I needed a new laptop. And I bought a replacement near the end of the month once I realized I was $300 under budget. The replacement ended up being a chromebook instead of another $1,000 macbook air. I am not in grad school anymore so a laptop really isn’t necessary since I have a work-provided laptop.  I thought I would regret a purchase of a lower quality macbook alternative, but I was immediately satisfied. My only complaint is that the screen does not get very bright, which is kind of a big deal since I have low vision. My budget is below:

Category Budgeted Actual Remaining
(1) Bills & Utilities* $175 $147 $28 under
(2) Food $300 $206 $94 under
(3) Medical $- $271 $-
(4) Everything Else $300 $423 $123 over
Total (1+2+4) $775  $776 $1 over

Another financial happening includes earning an additional $800. And I’m still spending quite a bit on healthcare costs. Hopefully one day I’ll be able to tame this beast of an autoimmune disease. Next year I am going to try and be more mindful of my transportation (i.e. ubers & lyfts) to and from my doctor’s appointments. I’ll be doing more pooling and sharing.

Anyway, I have not shared my goal progress in a while:

# Description Goal ($) Value %
1 Retirement Contributions $14,000 $12,200 87%
3  401K Loan Payments $2,500 $4,375 175%
4 Emergency Fund Contributions $1,000 $1050 105%
5 Increase Net Worth $20,000 $30,000 150%

I made my 2018 goals at the beginning of the year under the assumption that my income would remain unchanged throughout the year. Since I was promoted, I far exceeded most goals. I am predicting that my net worth will increase by another $10k by the end of the year, and I’ll likely meet my retirement contribution goal as well. Hopefully I’ll hit a $100k net worth in 2019.

Net Worth Update – August 2018

August was another financially stable month and my net worth increased by about 7 percent. However there were some happenings that are likely to impact my finances in the near future.

First, my Macbook of 4 years died and my “Gadget” sinking fund is not funded enough to buy a new one. I could afford a cheap laptop with the funds I do have, but I would rather purchase a quality product. I have some time to think on it. I’ll wait a bit since I’m hearing rumors of a new, cheaper macbook air.

Second, my health isn’t great and it’s costing me quite a bit. I’ve practically drained my FSA and I am anticipating another $1,000 in copays before the year is over. Not to mention travel costs to my appointments are high.

I’m very disappointed that my health has gotten to this point when I feel it didn’t have to. The issue is I have not been on a medication to control my autoimmune disease since last September. I had a bad reaction to a new medication around that time and the doctor that prescribed it assumed that my symptoms stemmed from depression. Instead of prescribing a new medication, the doctor has chosen to ignore me. So I’m having to find new doctors and deal with the complications of going under treated.

I had my second minor surgical procedure in August as a result of being on no medications. The fact that this disease can kill me makes things all the more confusing.

I was talking to a friend about the bad luck I’ve had with my health care over the years and she said something that really put things into perspective. Medicine is a male dominated field and doctors tend not to take women as seriously as men. Medical care is even starker for minority women with their medical care being worse. I remember reading this article on what Serena William’s scary childbirth story says about medical treatment of black women that had the same message. With prejudices baked into the profession and training, I’m fighting an uphill battle. I never thought of it this way but it does explain how I got here. And why it’s been so hard for me to get the right treatment over the years.

Anywhoo, enough about that and on to my net worth :

Liquid Assets Start End $ Change
Cash & Checking $1,703 $2,100 +$397
Emergency Fund $5,369  $5,375 +$6
Savings Goals $719 $725 +$6
Brokerage Accts $1,234 $1,350 +$116
Illiquid Assets Start End $ Change
Savings Bonds $1,429 $1,425 ($4)
Home Equity $17,015 $17,575 +$560
401K $36,291 $38,600 +$2,309
Roth IRA $24,000 $25,150  +$1,150
Liabilities Start End $ Change
Loans ($14,760) ($13,950) +$810
Net Worth $73,000 $78,350 +$5,350
% Change +7.3%

One thing that changed in August is that I’ve slowed my payments to my 401k loan so that I can set money aside for health related costs. These funds are held in my “cash and checking” accounts.

Spending

I went $32 over budget and this month I’m going to blame the $210 dining table I purchased for ruining my budget. Actually, I had set aside some money in my “Home Goods” sinking fund for it, but since it fit into my monthly budget (well… almost) ,  I decided not to touch it.

Category Budgeted Actual Remaining
(1) Bills & Utilities* $390 $365 $25 under
(2) Food $300 $257 $43 under
(3) Medical $- $189 $-
(4) Everything Else $300 $400 $100 over
Total (1+2+4) $990  $1,022 $32 over

The asterisk for bills and utilities was put in place because I paid $115 extra towards my personal loan to my parents.

Net Worth Update – July 2018

July was another good month, with a sizable net worth increase of 8.6 percent. If you notice, I’ve been able to fund my various savings goals. Not sure if I noted elsewhere, but I have the following electronic sinking funds in addition to my emergency fund:

  • Semi-annual bills
  • Clothing
  • Home Goods
  • Gifts
  • Gadgets
  • Travel
Liquid Assets Start End $ Change
Cash & Checking $1,418 $1,703 +$285
Emergency Fund $4,818  $5,369 +$551
Savings Goals $365 $719 +$354
Brokerage Accts $1,203 $1,234 +$31
Illiquid Assets Start End $ Change
Savings Bonds $1,453 $1,429 ($24)
Home Equity $16,455 $17,015 +$560
401K $34,236 $36,291 +$2,055
Roth IRA $23,461 $24,000  +$539
Liabilities Start End $ Change
Credit Cards ($387) $0 ($387)
Loans ($15,809) ($14,760) +$1,049
Net Worth $67,213 $73,000 +$5,787
% Change +8.6%

Spending

On July 31 I realized I was well under budget, so I splurged on a $130 glass personal blender I had been eyeballing for the last few months. I’m trying to move away from plastics, chemicals and processed foods due to the health issues that I have. I’ve slowly been making this shift over the past 4 years. I don’t think it’s helping but, oh well.

Category Budgeted Actual Remaining
(1) Bills & Utilities $275 $253 $22 under
(2) Food $300 $183 $117 under
(3) Medical $- $526 $-
(4) Everything Else $300 $388 $88 over
Total (1+2+4) $875  $824 $51 under

Following my new budget has made things so much easier. If you don’t recall, I increased my “Food”and “Everything Else” budget by $100 each last month. After the blender purchase I still ended up being $51 under budget. Here’s to hoping August is just as easy.  Apologies for not posting anything other than the boring net worth posts. One of these days I’ll get this health stuff under control so I can move on with my life.

Net Worth Update – June 2018

My net worth increased by almost 10 percent in June. Yay for months with 3 paychecks:

Liquid Assets Start End $ Change
Cash & Checking $1,085 $1.418 +$333
Emergency Fund $4,575  $4,818 +$243
Savings Goals $365 $365 $0
Brokerage Accts $1,080 $1,203 +$123
Illiquid Assets Start End $ Change
Savings Bonds $1,603 $1,453 ($150)
Home Equity $16,000 $16,455 +$455
401K $31,760 $34,236 +$2,476
Roth IRA $22,641 $23,461  +$820
Liabilities Start End $ Change
Credit Cards ($341) ($387) ($46)
Loans ($17,368) ($15,809) +$1,559
Net Worth $61,400 $67,213 +$5,813
% Change +9.5%

I was not able to allocate my third paycheck amongst the various funds like I had outlined in last month’s post.

Spending

This was my first month operating under my new (increased) budget. I had a (minor) surgery in the beginning of the month and that kind of threw things off. I was able to stay within budget, but it was hard!

Category Budgeted Actual Remaining
(1) Bills & Utilities $275 $237 $38 under
(2) Food $300 $287 $13 under
(3) Medical $- $526 $-
(4) Everything Else $300 $338 $38 over
Total (1+2+4) $875  $862 $13 under

My medical expenses were fairly high in June and I expect July slightly higher.  I plan to judiciously cut back on the frequency of my medical appointments since my FSA balance is getting low. If I do end up draining my FSA, I’ll lower my contributions towards my 401K loan. That way I’ll have more money to set aside for medical expenditures. Managing a chronic illness is expensive.

Coming in July

Lately I’ve been pretty terrible about posting anything other than net worth updates. Life’s been kind of crazy with my health issues. I am hoping that I’ll be up for a few July posts detailing how I use google sheets to manage my finances. I’ve become increasingly reluctant to use aggregation platforms like mint and personal capital.

 

Net Worth Update – May 2018

In May I got a sizable promotion, and decided to celebrate by splurging. I threw caution to the wind and didn’t follow a budget.  I also had two additional sources of unexpected income, and that made the decision to splurge a lot easier.

While this promotion did result in a sizable increase in income, the promotion means so much more than money.  Working will likely always be difficult for me.  Most days I do not feel well due to a chronic illness that I have. I’m happy that I still, somehow, manage to perform well at work

Anyways, my net worth!!

Liquid Assets Start End $ Change
Cash & Checking $1,585 $1.085 ($500)
Emergency Fund $4,338  $4,575 +$237
Savings Goals $284 $365 ($81)
Brokerage Accts $898 $1,080  ($182)
Illiquid Assets Start End $ Change
Savings Bonds $1,704 $1,603 ($101)
Home Equity $15,368 $16,000 +$632
401K $30,234 $31,760 +$1,526
Roth IRA $22,079 $22,641  +$562
Liabilities Start End $ Change
Credit Cards ($1,006) ($342) +$665
Loans ($17,713) ($17,368) +$345
Net Worth $57,771 $61,400 +$3,629
% Change +6.3%

My net worth increased by 6% which is pretty decent. I think the performance of the stock markets explains most of the increase.

Budget & Spending

My promotion officially kicked in the second half of May, resulting in more to spend. I also had other financial good fortune. I’ve since changed my pay allotments so that the entire increase in income goes towards my 401K loan. Below is my spending for the month, I went $776 over budget:

Category Budgeted Actual Remaining
(1) Extra Income $- $1,000 $-
(2) Bills & Utilities* $350 $349 $1 under
(3) Food $200 $205 $5 over
(4) Medical $- $262 $-
(5) Everything Else $200 $972 $772 over
Total (2+3+5) $650  $1,426 $776 over

*- I increased my bill budget by $100 to prepay for next year’s amazon prime. The $100 came out of my sinking fund for semi-annual bills.

Even though it was fun to go on a spending spree, sinking funds would have made for a better financial strategy. Of the $776 “splurge”, $600 went to furniture purchases, $100 to clothing purchases, and the remainder to Ubers & Lyfts. I should have saved for the furniture and clothing, as these expenses happen eventually, just not every month.  I’ve now established the following sinking funds and no longer have the more aggregate “Short-term” and “Long-term” sinking funds:

(1) Bills
(2) Personal Loan Repayment
(3) Gadgets
(4) Travel
(5) Clothes
(6) Home Goods
(7) Fun Money

Below are my budgets. Because I do not disclose my housing costs, I’ll use the following symbol to represent my original (pre-June) Mortgage & HOA payments: 🏠.   This table is more for me than anyone else, but hopefully this makes sense to readers.  Note, my income remains unchanged because 100% of my salary increase is going towards my 401K loan.

Old Budget June Budget New Budget
Income 🏠 + $1340 (1.5 × 🏠) + $2010 🏠 + $1340
Loan Payments 0.125 × 🏠 + 275
Housing 🏠 🏠 – $75 🏠 – $75
Bills & Utilities 250 275 275
Food 200 300 300
Everything Else 200 300 300
Roth IRA 460 460 460
Emergency Fund 100 (0.25 × 🏠)
Sinking Funds 130 (0.125 × 🏠) + $475

New vs Old

My mortgage & HOA payments will decrease by $75 starting June 1st.  I’ll be increasing my “Bill & Utilities” budget by $25, my food budget by $100, and “Everything Else” by $100.  The $600 budgeted for Food and Everything Else will make it easier for me to follow the $20/day budget method. Any money left over at the end of the month will likely go into a sinking fund.

June vs Old

In June I’ll be receiving 3 paychecks. My third paycheck will be going towards my personal loan, my emergency fund and my sinking funds.

Coming up in June

June should be interesting. If the stock markets hold steady, I expect my net worth to increase by well over $4,000. I will be having a minor surgery though. Hopefully those costs aren’t too high.

Net Worth Update – April 2018

Because I have not been feeling well, I’m only just now posting April’s net worth. I still want to maintain records, but I don’t feel like getting into the nitty gritty this update.  I’m going to keep this post nice and short. Below is my change in net worth:

Liquid Assets Start End $ Change
Cash & Checking $1,824 $1.585 +$440
Emergency Fund  $5,159  $4,338 +$164
Savings Goals $171 $284 ($74)
Brokerage Accts $877 $898  ($15)
Illiquid Assets Start End $ Change
Savings Bonds $569 $1,704 ($294)
Home Equity $14,775 $15,368 +$775
401K $28,560 $30,234 +$116
Roth IRA $20,921 $22,079  ($193)
Liabilities Start End $ Change
Credit Cards ($1,141) ($1,006) ($634)
Loans ($11,472) ($17,713) +$300
Net Worth $60,243 $57,771 ($2,472)
% Change -4.1%

My net worth decreased due to me taking out a personal loan to the tune of $7,000. This is a 0% interest loan. Thankfully the loan terms are fairly flexible.  Other than that, there isn’t much new to report.

Budget & Spending

Category Budgeted Actual Remaining
Extra Income** $- $256 $-
Bills & Utilities $340 $314 $36 under
Food $200 $221 $21 over
Medical $- $513 $-
Everything Else $200 $405 $205 over
Total $650  $532 $190 over

I went considerably over budget in April. I think this is due to a need to establish sinking funds. I spent $87 on gifts, for instance, which I should have saved up for. The excess spending was, thankfully, offset by extra income. I’ll start working on my sinking funds in June.

The next post will likely be the May net worth update, and hopefully it won’t be nearly as late as this one. Stay tuned to see how my financial situation has changed

Obtaining Financial Stability With a Disability | City Transportation

Two years ago, I sold my car and moved to the city knowing that I would need to depend on public transportation to get me places. When public transportation routes were inefficient, I used Uber and Lyft. And for the most part, this wasn’t a financial strain because I could walk places and my transportation to and from work was reimbursed. My mobility has since declined. I can’t walk nearly as far, and even taking public transportation is physically taxing.  Now most places are seemingly too far away.  And I’ve found myself becoming increasingly dependent on Ubers and Lyfts.

So I finally bit the bullet and looked into paratransit in my city.  According to wikipedia:

Paratransit is recognized in North America as special transportation services for people with disabilities, often provided as a supplement to fixed-route bus and rail systems by public transit agencies.

In other words  it’s a door-to-door alternative to using the bus and subway for people who can’t otherwise ride the bus or subway.  My city utilizes shared vans and subsidizes taxis for their paratransit fleet.

To qualify for the paratransit system, I had to have some forms filled out by my doctor detailing my medical conditions; my physical limitations; and my inability to ride the bus and subway at least some of the time. I had an interview over the phone, and I’ll have an in-person assessment for eligibility in a couple of weeks.

A program my city offers is 50% reduced public transportation fares for those with any disability. However, if you qualify for paratransit service, meaning you are not able to ride the bus or subway 100% of the time, the bus and subway are free. This provides a financial incentive to use more traditional transportation on good days.

I’ll be the first to admit that using such disability services felt embarrassing two years ago, and I didn’t think I needed it then (though, in retrospect I probably did). But I can’t afford to keep taking Ubers to and from work. My job won’t pay for Ubers but they will pay for paratransit since it’s considered public transportaiton. Similarly, I can’t afford to spend $10-30 to attend a doctor’s appointment every few days. Paratransit provides a much more affordable option that costs ~$5.

If you live in a city in the US that has public transportation, your city should have a door-to-door paratransit service for those with disabilities. The city may also provided reduced fares for those not in need of door-to-door assistance. I’m glad that I looked further into my city’s paratransit system. I am looking forward to and am genuinely excited about my new-gained freedoms.

Net Worth Update – March 2018

I know this is a bit late. Life got…interesting over the past week or so, specifically in regards to my health. I have a new diagnosis that I’m trying to come to terms with. Overall, it’s good I have answers to what’s been plaguing me, but there are a ton of mixed emotions. This diagnosis is difficult because it was missed for years when it really shouldn’t have been. I’m now in need of insanely expensive medical treatment that may not even work. This reminds me of why I started this blog and I do need to start refocusing on finances from the perspective of someone with a disability/chronic illness.

And on a more positive note, I continue to stroll through 2018 with financial stability. I am thinking about posting quarterly net worth updates instead of monthly. I’ll decide for sure next month.

Liquid Assets Start End $ Change
Cash & Checking $1,384 $1.824 +$440
Emergency Fund  $4,995  $5,159 +$164
Savings Goals $245 $171 ($74)
Brokerage Accts $892 $877  ($15)
Illiquid Assets Start End $ Change
Savings Bonds $863 $569  ($294)
Home Equity $14,000 $14,775 +$775
401K $28,444 $28,560 +$116
Roth IRA $21,114 $20,921  ($193)
Liabilities Start End $ Change
Credit Cards ($507) ($1,141) ($634)
Loans ($11,772) ($11,472) +$300
Net Worth $59,658 $60,243 +$585
% Change +1.0%

It’s a surprise my net worth managed to increase given the market conditions. But things continue to look good.

  • Liquid Assets

    • Cash & Checking – For simplicity, I continue to further aggregate this category to now include cash, cash-equivalents (i.e. gift cards), and my checking account balance.
    • Emergency Fund – I contributed and some illiquid savings bonds (ibonds) obtained liquidity.
    • Savings Goals – Birthday gifts!
    • Brokerage Accounts – Stock markets are down.

    Illiquid Assets

    • Savings Bonds – This decrease is due to savings bonds (ibonds) becoming liquid assets.
    • Home Equity – I’m gaining equity!
    • 401K & Roth IRA – the market went down, but my continued contributions  helped cushion the blow a little.

    Liabilities

    • Credit Cards – I sadly continue to carry over credit card balances. But I do pay them off in full by the due date!
    • Loans  – I have two loans and continue to make steady progress towards repayment

Budget & Spending

Category Budgeted Actual Remaining
Bills & Utilities $410 $441 $31 over
Food $200 $266 $66 over
Medical $- $513 $-
Everything Else $274 $253 $20 under
Total $650  $532 $77 over

I increased my “Bill & Utilities” budget due to paying two annual bills. I increased the Everything Else category due to purchasing birthday gifts.

My medical expenses were fairly high this month, but I don’t budget for medical costs, for now. I still have a healthy FSA balance so that helps.

I was $31 over budget on Bills & Utilities because I prepaid two months of internet. And I went over on food because I bought groceries a few days before the end of the month. Hopefully this means I’ll be under budget for food in April.