It creeps up!
Last year this time, I was meeting my monthly expenses.
This year, not quite.
And it took me awhile to figure out why.
First, my car insurance went up--nearly doubled, in fact, raising from $56 a month to $93. But I did it because if I bought my car insurance from State Farm, they would deign to insure my home for a thousand less dollars per year than any other insurance company. As longtime readers may recall, my homeowner's insurance took a skyhigh leap after the garage fire three years ago.
Then, I started paying $50 per month on my granddaughter's Sallie Mae loan.
Then my two-year great Comcast bundled deal wherein my cable, internet and telephone (complete with all sorts of bells and whistles I didn't have before, like caller ID--which I love--call waiting and long distance) turned out NOT to cost the advertised $99 per month, but is more like $128 per month.
And then, the biggest budget-breaker of all, gas prices went through the ceiling. I budget $30 a week for gas. My minivan is not great for mileage, but I used to have some money left over from my gasoline line item. NOT any more! It now costs me $62 to fill up, and I consider myself lucky if I can make a tank and a half last the whole two weeks.
All of this is leaving me with too much month at the end of my money.
Back to the budget for some major over-hauling!