March 2020 Budget Reconciliation (Retired)

Photo by Carlos Muza on Unsplash

My wife and I have been under total lockdown here in Ecuador since March 17th. We are only permitted to go the grocery, pharmacy and medical appointments on Tuesdays and Saturdays between the hours of 8:00AM and 2:00PM (with most only open until 12:30PM) and is based on the last number of our automobile license plate. This curfew is strictly enforced by the local and national police along with the military. There are heavy fines and automatic incarceration (2nd and subsequent occurrences) for breaking the curfew.

Additionally, masks and gloves are required to be worn when out in public. Most stores, pharmacies and medical facilities take your temperature and sanitize your gloved hands before you are allowed entry. If your temperature is elevated, you will not be allowed entry and you will be escorted from the premises by armed security.

All non-essential business are required to be closed.

These restrictions designed to mitigate the spread of the COVID-19 coronavirus has a major effect on everyone’s lives. It has also brought the national economy to its knees.

Let’s take a look at the results of my income and expenses for March 2020 under the lockdown.


Budgeted: $4,038
Actual: $4,237


Budgeted: $60
Actual: $59

LP Gas
Budgeted: $25
Actual: $24

Water / Sewer / Trash
Budgeted: $58
Actual: $27

Phones (Land & Cell)
Budgeted: $40
Actual: $4

Cable TV
Budget: $91
Actual: $91

Internet (Fiber Optic)
Budget: $27
Actual: $27

Lawn / Garden
Budget: $116
Actual: $30

Home Maintenance
Budget: $50
Actual: $0

Auto Insurance
Budget: $83
Actual: $83

Budget: $60
Actual: $30

Auto Repair
Budget: $50
Actual: $0

Auto Registration & License (Monthly Escrow)
Budget: $50
Actual: $50

Budget: $6
Actual: $0

Health Insurance (Public and Private / Includes Spouse)
Budget: $453
Actual: $453

Doctor / Dentist
Budget: $50
Actual: $200

Budget: $500
Actual: $521

Apps / Subscriptions
Budget: $125
Actual: $125

Groceries / Household
Budget: $700
Actual: $639

Budget: $50
Actual: $6

House Cleaning
Budget: $80
Actual: $20

Income Tax (Monthly Escrow)
Budget: $326
Actual: $326

Real Estate Tax (Monthly Escrow
Budget: $12
Actual: $12

Total Expenses

Surplus / Deficit for the Month

$1,495 Surplus (35.3% of Income, Moved to Savings)


“Don’t tell me what you value,
show me your budget,
and I’ll tell you what you value.”
Joe Biden

Published by W. M. Brown

I am a retired U.S. expat living in Ecuador. I was a business owner for 32 years before retiring in 2012.

2 thoughts on “March 2020 Budget Reconciliation (Retired)

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