My newly acquired car payment is $160.00 per month.
On Saturday, my mortgage company recalculated my property tax and insurance payments for the year, and let me know that my payments for 2010 will be going up by $162.00 beginning in February.
Same old income, but now I have to come up with an additional $322 per month in regular expenses.
The only bit of good news is that my granddaughter's living expenses at college have reduced since her hours have increased at her parttime job, so I'll be saving $125 a month there.
On the job, collective bargaining has begun. I am at the top of the pay scale and have been for some time, so I usually don't get a monthly increase. Instead, there's a lump sum "bonus" instead. That's OK by me, but this year, health benefits are on the table. Mine will be covered, but I also cover my youngest daughter and will until she's 21. It looks like I may have to contribute some amount per month to keep her covered, beginning in April.
I was sort of hoping that 2010 would be better financially than 2009. Maybe it will, but first I have to get Murphy gone from my life.