[USER]

I have my June budget which is set to $1,200. I will be out of work for hand surgery, I’m estimating 60% for my short term disability-I believe it’s $1,400, however, I calculated and budgeted for the lowest just in case.

And no, I’m not able to work at all while I’m on LOA and on short term disability.

[Francess]

this seems incredibly modest spending. are you sure? id probably bump myself up 10% just in case

[Coral]

I’m in sub tropical Brisbane Australia, living in an inner city vertical retirement village, so my expenses would be very different to yours.

A major economy for me is that I cancelled wi fi, and use my mobile phone as a hotspot.

I get 300 GB data per month plus all calls , texts etc.

for $55 per month with Vodafone, and use WhatsApp for free international calls.

As a senior citizen my health care is free, and off peak travel is free, otherwise trains, buses, ferries are 50c per trip.

[Minoo]

You may not need that much gas ($90), I am guessing with your hand surgery, you may not be able to drive.

Or I may be wrong

[Carrie]

Can you change your tax deduction now for May… save the extra ‘take home pay’…. keep as a buffer or throw in emergency fund to have when needed …

just a thought…can change back, when you go back to work…best wishes

[Pat]

Maybe you could see if there are food pantries in your area that could help you with food.

I hope so. Sounds like you are a good money manager and plan ahead.

[Amanda]

Why is your car insurance so high? You may want to shop for a different rate.

That could save you a ton

[Irena]

Car insurance is very high of this is per month. I would call every car insurance company and get a quote.

You can switch any time.

[Darla]

I think being conservative regarding your income was the right decision and you also have a buffer with your savings.

You’re so smart to take the time and plan the change in your budget. Well done!

Wishing you a textbook recovery!

[Suzanne]

Will you be using gas as much on disability?
Can you lower your cell phone —at least temporarily-while on disability by switching to Tello, Mint, etc?

Could you pause your savings just until you’re back to work?
Best wishes

[Author]

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