My budget as a millennial with a baby in DC

Dear internet,

I just got my credit card bill for the month. Looking through my checkbook, I couldn’t believe how much higher my credit card bill is now versus before coronavirus. Anyway, I thought it might make an interesting post, my budget as a millennial with a baby in DC. Because I literally don’t use cash anymore (covered in germs!)), my credit card bill is basically a line-item budget. The TL;dr is…life has gotten 65% more expensive.

Before covid-19 hit DC, my credit card bill was $2200-$3500 a month. That included 1640 a month for individual health insurance for three humans through ACA, because you are your health insurance in America. Never skimp on health coverage.

Now my credit card bill is 5,700 American dollars. How does this break down?

  1. Amazon, the source of my groceries and all other things I might possibly want to buy (with few exceptions noted below) comes from Amazon. So diapers, paper towels, etc. 

7+112+23+15+8+102+78+19+161+38+19+28+13+36+35+37+129+25+13+5+42+37+16+6+21+29+15+156+36 = $1,261

2. Amazon tips for grocery orders through whole foods and amazon warehouse food (amazon fresh?): 11+11+8+15+5+13+15: $78

3.Specialty food: 87+72 = $159

4.Garage parking because I can’t parallel park (not that meters are free, either): 4+3 = $7

5. Clothing: 44 dollars +58 = $102

6. Peapod groceries + tips: 218+100 = $318

7. Staples, the only place I can find soap, alcohol wipes, and gigantic rolls of toilet paper. Sort of the coronavirus supply store: $86

8. Medical Specialist co-pay: $40

9. Car/renter’s insurance for 6 months: $878

(I guess I could divide this by 6, but there’s always some big semi-unexpected cost each month so it stands).

10. Subscriptions for icloud, Netflix, and newspaper: 2+4+14+12=$32

11. Hobby supplies: 47 + 4 for website hosting = $51

12. Working at Home: Desk 678 plus 48 dollars for a professional subscription = $726

13. Internet: $45 

Other expenses: Rent. I pay 2000 a month for a one bed apartment, all utilities included.

So just costs of life: 3783 + plus health insurance = 5700 dollaroos. Add in rent and it’s $7,700 for this month. 

Yes, some of those dollars go to avocados, which I occasionally put on my toast. 

Only nine grocery orders in the month, which is interesting. For some reason I thought it was more frequent, but it works out to about 2x a week, mainly because fresh produce doesn’t last long.

In case you were wondering, food for 3 people (one of whom is a baby: 300-340 dollars a week. Prior to Covid-19 price surging, it was like $200-240 a week). We haven’t gone out to eat since early March (the “before times”).

Also, like a true millennial, there’s no cellphone plan charge, because we’re still on our family’s plans. 

Interestingly I don’t have a line item for gas/car repair expenses. we’ve driven so little since this started, that the gas budget (120 dollars) got rolled into groceries.

Some proposed changes: Definitely going to go with the Gold PPO ACA plan for insurance come Jan 1, so that should be 1100 dollars, saving us 700 buckaroos a month. Substantial!

We used to spend like 150-300 dollars a month on entertainment aka going out and doing things in places other than our home, but now that, too, has been rolled into food. 

I am so looking forward to having a desk, we can’t work at our dinner table/couch forever.