My contract is split into building costs and allowances. 249,000 for building cost and 60k for allowances. Now after being more educated it seems my contracted is heavy on the allowance side. The contractor has alot of tasks on the building side which are either labor ("contractor will install") and a few that say ("contractor will supply and install"). That leaves majority of materials like hvac, fixtures, tiles etc in on my allowance side. Then those costs have inflated. Example allowance for hvac was set at 18k by contractor now he tells me it will be 25k.cabinets was 16k in allowance now it's ballooned to 25k. So most of the cost seemed to have ended up on my allowance side and i'm out of money.