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Archive for September, 2012

Sept Eating Out

September 30th, 2012 at 04:03 pm

I did horrible for not eating out in September. I need to get a handle on eating out again. I know I can do it, just need to give myself the motivation to do it.

Went to the grocery store tonight to pick up a few items. It was $32. More than I planned on spending for just a few items, but I guess the dog food pushed it up.

I got Dog food, puppy food, 3 cartons of orange juice and peanut butter. I got a bigger jar of peanut butter than I usually get. It sure adds up fast.

Prescriptions and Gas

September 28th, 2012 at 03:52 pm

I filled up the gas tank today for $26. I still have $74 left in the gas budget for the next week.

I spent $108 at the drugstore for my prescriptions. Since my scripts were less than I had budgeted for I went ahead and picked up my son's inhaler. He hasn't had to money to get it. I only overspent by $8 so I am happy.

I now have $25 to last until next Friday. I won't need all $74 for gas so that will get me through.

Weigh In

September 27th, 2012 at 05:09 pm

I had my weekly weigh in at WW tonight. I lost 2.6 pounds. I am not sure how since I have been drinking soda this week. But I will take it. I have lost 10% of my starting weight and I got a key chain.

Financially, I am looking good. I have $40 to last until next Friday. I still have to get my prescriptions but I have budgeted for them. Hopefully they won't be more than $100.

I have to fill up tomorrow but I have used very little gas. I didn't have to drive to work yesterday so it was a no gas day. Shouldn't be too much to fill up.

DD is sick with a stomach virus. She stayed home yesterday and came home sick today. Hope she gets over it soon. She can't keep missing school.

Ready for the football game tonight with the regular refs. Let's hope it is better and there is no controversy.

NSD

September 26th, 2012 at 11:24 am

Today should be a NSD. I haven't left the house. I decided to work from home today since I would be the only one at the office. Easier to resist spending money when you don't leave the house.

Gas Fill Up

September 25th, 2012 at 01:56 pm

It was a little more than usual for a Tuesday. I always fill up on Tuesday and Friday. Friday fill up is usually around $45 and Tuesday is usually around $28. Today it was $37. It is due to the fact that I had to make three trips to Morganton this weekend. It is roughly 10 miles one way. I usually don't do any driving on the weekend so of course I used more gas than usual. I had $58 in the gas budget so I was still under. I transferred the extra $21 to my savings account.

Transfer

September 25th, 2012 at 09:44 am

I went ahead and transferred $200 from my savings account today. It should show up by Friday. I needed to cover the dentist visit and the mortgage. I hate taking money out of savings but I guess that is what it is there for. I should be able to put it back in October.

Grocery Store Semi Success

September 22nd, 2012 at 04:07 pm

Well...I had budgeted $200 for the grocery trip today. We spent $158. I had hoped to get by with $100. We did go with a list and apparently I was bad at estimating how much the items on the list were. Oh well at least we were under the amount I had budgeted.

I bought bacon and tomatoes and just had the best bacon and tomato sandwich for dinner. It was so yummy.

I am still $15 short for the dentist visit on October 2. I will be able to make that up with my gas budget for the next two weeks. I just need to get back to not eating breakfast out. I have the will power just wish it was easier.

Doctor's Visit

September 22nd, 2012 at 11:17 am

We got lucky. The doctor's office didn't charge me a copy for DD's shot. It was just a nurse visit and they said the insurance should pay for all it. Sweet!

Going to the grocery store this evening. I have my list all ready. It became a pretty good sized list when I started thinking about things we need/want for the next couple of weeks. We should still be under $100 though. Hoping anyway. I might cross off a few things to insure that. Will let you know how it goes.

Today has just been a lazy day. Catching up on some tv shows.

Nothing Important

September 21st, 2012 at 11:09 am

Payday has come. I am glad as I only $4.69 left in my account. The first of the many medical expenses will be today. Have to take DD to get her shot. I am hoping that we won't have to see the doctor(we actually see the nurse practitioner) and only have to pay for a nurse visit. Keep your fingers crossed.

Friday is also the day that we do our grocery shopping. I just made our list. Nothing had made it to a list so I guess we don't need too much. Should have no trouble staying under $100.

It is just me at the office again today. It gets so boring when it is just me. Fortunately I have to leave early to take DD to the doctor.

Friday Payday Budget

September 20th, 2012 at 08:03 am

Income:
From Son - 170
Paycheck - 936.96
Child Support - 339.00

Total Income: 1445.96

Expenses:
Groceries - 200*
Gas - 200**
credit card - 50.00
medical - 340
transfer to savings - 33.80
son's car payment - 229.20
auto insurance - 247.87
dentist - 174

Total expenses - 1474.87

Income : 1445.96
expenses: 1747.87

Shortfall - 28.91

* Budget 200 for groceries but have been getting by with about $100.

** Budget $200 for two weeks but have been getting by with about $150.

This two week period is heavy on medical/dentist expenses. I have to get my monthly prescriptions and DD has to get her shot, which involves the shot and the doctor visit. Plus I am paying on some other medical expenses that I am making payments to.


Frustrating day

September 19th, 2012 at 01:24 pm

Computer problems have left me totally frustrated today. The IT guy took my computer home last night to reformat it. He wasn't completely finished with it this morning so I have spent the day loading software and trying to get my email to work. At one point I was ready to throw it out the window!(good thing I don't have any windows in my office!)

And I got this brand new printer/copier/fax machine. I got it installed and all is well. However, I needed to print something on paper that is stiffer than normal paper. All it did was curl that paper. I had to drag my old printer back into my office, install the software and use it for what I needed to print. UGH! But I got it done.

I got gas yesterday for $26.20, far less than the $60 I had budgeted for it. I have set up a transfer of the difference to go to my online savings account on Friday. I need the buffer until then.

I have my rough budget(kind of like a rough draft) done through November, but I expect that there will be many changes. But at least the groundwork is done. November will be a 3 paycheck month for me so I am hoping to get the Mortgage caught up.

Blah Day

September 18th, 2012 at 01:24 pm

I kind of feel just blah today. It is raining here and has been all day. That is probably why I feel like I do.

My computer semi-crashed today. We couldn't get the new printer to print. It kept locking up the whole computer. So the IT guy is going to take it tonight and reformat it. Hopefully it will all go smoothly. I can't afford to be without a computer.

I resisted the urge to go to Starbucks while he was working on my computer. Still want it but not worth going out in the rain for it.

Still struggling with my diet. Can't seem to get my motivation back. Not sure how to get it back. Just not in a good place right now concerning the diet.

I have to get gas tonight. I doubt it will take the $60 I have budgeted for it so I will transfer the difference to my online savings account.

Sick DD Ruins a NSD

September 17th, 2012 at 10:00 am

Yesterday was coasting along...hadn't left the house except to take sister to the grocery store, where I sat in the car so I wasn't tempted to purchase something we didn't need. Then about 8:00 last night, DD came upstairs and couldn't stop coughing. The doctor didn't prescribe any cough medicine. So we packed up and went to CVS for cough syrup. We bought the store brand and it was BOGO free so we spent $5.87 for two bottles of cough syrup. Not too bad.

It is amazing how bad habits slip right back in. I have eaten out quite a bit this last week. Probably close to $20 spent. I need to get back in the routine of not eating out. Both for the budget and my diet.

My coworker asked me to go to Papa's Pizza with her for lunch. I brought my lunch and stuck to it. I don't particularly like Papa's Pizza. I never seem to get my money out of the buffet. So it was easy to refuse. I also only have $8 in my account until Friday. That will cover a gallon of milk if we need it before Friday. So I can't really spend any more money.

Sold the Fireplace Insert

September 15th, 2012 at 12:50 pm

The guys just came and picked it up. I sold it for $400. It was less that I hoped for but no one else has shown any interest. They had trouble getting it loaded on their truck. It weighed almost 500 pounds. It pushed the guy down the ramps there were using to get it out of the house. Could have been a real bad situation but fortunately he was okay.

This helps tremendously with my budget. Now I am only short $280 for the middle of October. Hopefully the clarinet will sell.

I finished off the dr pepper in the fridge so the no soda challenge will be easier now. It isn't there to tempt me.

Going to a friend's house to watch the Tennessee game. It is at the same time as the Georgia game, but unfortunately the Georgia game is only available on pay per view for $26! I can't believe people pay that much just to watch a football game. I love Georgia but am not willing to pay that much to watch their game.

No Eating out: 11/14
No Soda: 0/5
NSD: 7/14

Jealousy

September 14th, 2012 at 03:23 pm

I have to admit that I am a bit jealous of a few bloggers on this site. Credit Card Free is one of them. Monkey Mama is another one. There are several more, including Ceejay. These bloggers have their financial act together. They have a healthy retirement fund. They have a healthy emergency fund. They can provide for their children without help from a grandparent. For all these reasons and more, I am jealous. I am getting my act together but I don't foresee being able to save any significant amount of money. I don't see my circumstances changing any time soon. I simply don't make enough money to pay all my debts. I have tried to get a second job but no one that I applied to called me back. It would help right about now. All I can do right now is keep on trucking and try to make a dent in my debts. I just get so frustrated sometimes that I let myself get in this position in the first place.

I went to the grocery store this evening and bought more orange juice and bread. Total spent was 12.56. I know have 1.61 left in my account until next Friday. That is assuming that I will spend $60 on gas on Tuesday and that should only be about $30. So I have a little bit of a cushion there.

No Eating Out: 11/13
No Soda: 0/4
NSD: 7/13

Sick DD

September 13th, 2012 at 08:54 am

DD sent me a text from school asking me to come get her. Her throat is killing her and she just generally doesn't feel well. She asked if she could get taco bell since it is smooth and wouldn't hurt her throat. So I spent $2.65 getting her something that she could eat.

I really hope that the wood burning stove sells because I really need the money. The 5th of October pay day is looking pretty grim. Need to make up quite a bit of money. Not sure how I am going to do that if the stove doesn't sell. Keep your fingers crossed.

No Eating Out: 11/12
No Soda: 0/3
NSD: 7/12

I Blew It

September 12th, 2012 at 02:46 pm

This is hard to admit but I have never lied in these posts and I am not going to start now. Sooo...post what you like...I can take it.

I ordered a pizza tonight. I know that I am the one who suggested the whole month of not eating out but I had a weak moment. I had enough money because my mom gave me an even 100 for the doctor and prescriptions that came to $64. The pizza wasn't even as good as I remembered it being.

I will transfer $100 from my savings account to pay my mom back. I hate to take money out of savings but I guess that is what it is there for.