2024 Money talk

 Alrighty. So the first few months of 2024 is going to be REALLY tight - they are saying not to expect bonuses Jan - March pretty much. But I am finding that in general we get $250-300 on average as a bonus which is like an exta $175 a month so thats what I will add to "income" because aside from the first few months thats what I should see in 2024. 

 income: $3087 + 175 = 3262 = 3260

$1250 rent and utilities --> staying, unless maybe moving into Rachael's house? O.O

$271 loan

$75 (25 and 50) credit

$35 payment for flight up there to look at apartments.

$70 Joint membership - chiropractor - that can't go. quality of life. this is health care for chronic pain.

$235 car payment - its debt but also equity so not bold. 

$100 insurance 

$30 internet (spectrum)

$370 health insurance through marketplace

$170 student loans 

$200 groceries - need to be very cautious with this 

$90 pets

$17 subscriptions ($9 hulu, $7 pandora, $1 cloud space)

$10 humu medicine ($20 every other month)

$150 gas (might have to ask for a little gas $ when I visit mom. OR will go down if i Move in with Rach)

$75 savings 

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3148.... not by a lot but we are not in the red! 

Math for pets:

34 lb weight watcher blue buffalo last 3 months ($65)  = 22

Dehydrated food (55 last 5 mo)   - 11

wet cat food monthly 25

dry cat food $20 for 2 months = 10

Greenies 32 for 4 months  (if snow doesn't get into them and eat them ALL AT ONCE= $8

Meaty bones = $20 (2 months) = 10

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86... round to 90

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Starting in January I will need to re-factor. 

1) Work will be a little closer, so hopefully that will help lower my gas a bit. 

2) My health insurance will go up because my current one does not cover long term therapy. And... ideally I would like long term therapy. (more than 10 sessions or spanning more than 6 months)

My new insurance will be:

Anthem Silver Blue Preferred/Broad 4000 (3 Free PCP Visits + $0 Select Drugs + Incentives)

POS - Plan ID: 79475WI0530017

$370

3) We will be getting better bonuses starting January (Feb paycheck) - currently all employees get an even share of 10% of that month's profits. Starting in Janu