So here's the thing: being really depressed, like I was last year, has a big collateral and financial cost. Because I was depressed and barely holding on, I managed to pick the wrong health insurance and wound up on a plan that didn't cover my therapist. So, for the past year, I have been paying her out of pocket.
I go to individual therapy every other week, and group therapy every other week. Total=$320 per month. However, thanks to my new health insurance this goes down in January to a $15 copay for each, or just $60 per month.
On top of that, I have 2 antidepressants that cost me a $40 or $50 copay each for a 90 day supply depending on where I get the prescription filled. So we are looking at another $400 per year.
So being depressed cost me about $4000 in 2010. That's part of why I don't have a car and haven't done anything really super exciting. My therapist said, "Next year you can go to Europe on the money you'll be saving!"
Since my rent also decreased $50, I'm going to have $310 extra dollars in my budget starting in January. I mean, holy shit. A chunk of it will go to savings, some will be random padding in my budget, and some goes to debt. I'm still not going to buy or lease a car, and will always rein in my wants, but having extra money is very welcome.