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Building up Reserves

February 28th, 2018 at 08:18 am

End of February, so I am taking a look at YNAB to see how the spending went...

We are negative in the following categories:
- Pets: because our dog has arthritis and a thyroid condition - we bought her expensive arthritis chews (but they work, and she's worth it). Also she had her bloodwork redone so that we could adjust her thyroid meds. $34 over
- Doctors: because we paid the hospital (two separate bills) for F's ER visit in January (when she had hives). And my many visits to doctors, acupuncturist, naprapathist to get over pneumonia. I am almost well! $132 over
- Drugs: I had to get another inhaler which I am still using once a day in my recovery from pneumonia. $22 over.

But... we are also building up other categories.
- Now have $300 in house repairs.
- Leftover in Dining/Groceries is about $175!
- $750 in auto servicing; I need a service soon, so that's good
- $300 in karate
- $224 in dentist (not sure we will need this with our amazing dental plan but we're keeping it in case a filling or something needs to be replaced)
- lots of other categories with money building up for once a year expenses

We also have $1250 in Camp, but F is not really interested in camp this summer. She'll probably do one camp (soccer of course) and then we'll be gone for 3 weeks overseas. That's 4 weeks. And she can help me out in the office. And we'll go to the pool (there is enough money to pay for our pool membership accrued in that category already).

2 Responses to “Building up Reserves”

  1. rob62521 Says:

    I sometimes feel guilty spending money even on things that are necessary like an inhaler or medicine.

  2. Buendia Says:

    Rob62521 - I sometimes feel guilty spending on necessities, too! It's crazy, isn't it? But once you are in a frugal mindset... But I don't feel bad if it's for my daughter or husband, just if it's for me!! Now that our finances are in good shape (house paid off, D has a great job), I still have the same habits I had before.

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