Out-of-pocket (adjective)

Incurring or involving direct personal financial cost.

Origin:

The phrase 'out-of-pocket' comes from the idea of money being kept in one's pocket, and the use of the prefix 'out-', meaning outside or not in possession of.

Examples:

1. The cost of the repairs came out-of-pocket, since it wasn't covered by insurance.
2. He was forced to pay for the damages out-of-pocket.
3. The out-of-pocket expenses for her medical treatment were substantial.
4. The company pays for the business trips, but employees are responsible for any out-of-pocket expenses.
5. He had to go out-of-pocket to buy new equipment for the project.