out-of-pocket

[out-uhv-pok-it]

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adjective

paid out or owed in cash; necessitating an expenditure of cash: The out-of-pocket expenses include cab fares.

without funds or assets: an out-of-pocket student who stayed with us.

Origin:
1880–85

Dictionary.com Unabridged
Based on the Random House Dictionary, © Random House, Inc. 2012.
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Out-of-pocket is always a great word to know.

So is ninnyhammer. Does it mean:

a fool or simpleton; ninny.

a gadget; dingus; thingumbob.

WordNet

out-of-pocket
adjective
calling for the spending of cash; "his out-of-pocket costs were $10"

Word Dynamo Rating For Out-of-pocket

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out-of-pock·et