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Archive for October, 2012

Day One of Financial Fast

October 27th, 2012 at 05:05 pm

Well...today was a failure. I had to buy flea medication for the dog. She was covered with fleas and it really couldn't wait until next week. But that was all. I didn't eat out at all today. Should be good for the rest of the week.

Fiscal Fast

October 26th, 2012 at 12:43 pm

I am preparing to do a fiscal fast. I got the idea from the show Extreme Cheapskates. I am planning on starting tomorrow and going through Friday. The only money I plan on spending will be for gas, which has already been budgeted for.

I explained what I am trying to do to DD and she is on board. So we will see how it goes.

Productive Day at Work

October 25th, 2012 at 01:17 pm

I have had a very good day at work. I cleaned out my in basket. I did some billing. Sorted the mail. I have been a busy beaver. I also got rid of all the boxes in my office. No one told me we were out of trash bags and apparently we are! So I emptied my trash and have nothing to put in my can! URGGGG!

I picked up DD about an hour ago. We are heading to Tumbling.

We splurged and got sandwiches for lunch today. So it isn't a NSD.



Planning A New York Trip & Fiscal Fast

October 24th, 2012 at 12:51 pm

For my DD 16th birthday she wants to go to New York. So I have begun to plan this trip for next July. I should be able to save enough for it. We will drive to my sister's house outside of DC and then take the train/bus to New York. We will be there two days, so only one night in a hotel. She is looking into what things she wants to do while there. I want to go to the WTC memorial but other than that I am open to whatever she wants to do. I am looking forward to spending the time with her.

I am going to try to do a fiscal fast next week. No spending what so ever. We will have to get by with whatever we have. It might be difficult with DD because she doesn't plan ahead and might need something like hair bows. We will see how it works out.

Dr Visit

October 23rd, 2012 at 12:01 pm

I went to the doctor this morning to inquire as to why I have been on my period for 2-3 months straight, with some days be so heavy I Have to change pads every hour. I heard about this prescription that could help with that. The result is that I have to have an ultrasound done on Thursday to see if I have polyps on my uterus. She also had my blood drawn to check my thyroid.(took three sticks to finally get blood!) The copyay was $20 at the doctor's office. I also picked up my monthly prescriptions while I was there. $55. I didn't pick up my thyroid prescription up in case there is a change in dosage.

I have decided that instead of borrowing money from my mom I am just going to wait and pay the mortgage on the second. It won't be too late and I can get it back on track next month.

Quiet Day

October 21st, 2012 at 09:06 am

I have no plans for today. I will relax and watch the football games. Since I have no where to go today will be a NSD.

Tammy asked me on my last post how much I have spent eating out this month. It was quite a high number at $173. I had no idea. Most of it was $4 at a time. I can't believe how it adds up! That was the jump start I needed to get my spending under control.

Grocery Store Not A Success

October 20th, 2012 at 04:07 pm

I wanted to spend under $50 at the grocery store. But then looking at the list I felt it would be more like $100. Well it was $140. I only had $100 budgeted for it. I am now short $109 on the 1st of November. I will probably borrow it from my mom. I get paid on the second so it would only be for one day. I could transfer it from savings account but I am more likely to pay my mom back than myself. I just don't have that much will power.

My sister gave me the $10 for the milk I bought her last week. That will help. I also have two $20 checks that my mom gave my daughter to deposit. I have already given her the money. I took that into account for my balance on the first.

Settling in for a quiet night watching Georgia football. GO DAWGS!

Day off for X-Ray

October 19th, 2012 at 02:31 pm

I took today off for doctor's appointments. I had an appointment with my psychologist this morning. Then I drove DD to Kennesaw to have an x-ray done of her stomach area. Still trying to figure out why she has such bad stomach pain. Kennesaw is about an hour away. I stopped to fill up my tank half way there for 3.49/gallon. Still took $54 to fill it up. So my gas budget for this week will probably go over. I also had to pay a $35 co pay at the clinic.

Today was payday but everything has already been allocated. So I have nothing to do. We are going to go to the grocery store tomorrow. I was hoping to spend less that $50. But the list is kind of long so it will probably be closer to the $100 I have budgeted for it.

Extreme Cheapskates

October 18th, 2012 at 07:54 am

I have recorded this show after someone on this site mentioned it. I was blown away by how some of these people live. One lady, a cpa, dumpster dives for food. She hasn't bought food in quite a long time. She also doesn't use toilet paper, which seemed to be a common occurance among all the people. One family used fabric that they washed for toilet paper. It is usually the man that is the cheapskate and the wife just puts up with it. Another family made a $96 purchase at a restuarant with loose change. They only go out once a year and use the change each time. This same guy won't buy furniture for his house. They have a card table in the living room and the tv sits on the floor. But he also has close to $200000 in the bank. Another guy bought goat heads for $7.50 from the butcher complete with eyes, teeth and brains and ate every bit of it(except the teeth). I had to fast forward through him eating it as it made me sick.

I did get a good idea from one of them though. About five times a year, they have a fiscal diet. That means that they go a week without spending any money. They live off what they have and just make due. I think I might try this in the future.

Friday Payday Two Week Budget

October 17th, 2012 at 11:16 am


Income:
Paycheck 986.00
From DS: 295.00
child support: 339

Total Income: 1620.00

Expenses:
Medical 360
Gas 150
personal loan 200
Mom 150
water bill 67*
rental checking 550
credit card 50
car insurance 271
savings account 100
groceries 100

Total Expenses: 1998.00

Checking account balance: 271.13
Plus Income: 1620.00
less Expenses: 1998.00

Shortfall ------ 106.

*water bill includes water, sewer and trash service

Will try to make up this shortfall by only spending $50 at the grocery store and my prescriptions shouldn't be the full budget amount.






Budget Error

October 17th, 2012 at 10:11 am

I was looking at my budget this morning and discovered that I failed to include a payment to the credit card this Friday. I only pay $50 a month but that put my shortage on this paycheck to $100. I am going to try to make some of that up with groceries. I plan to stay under $50. We really don't need much. And I think I can make some of it up with my prescription budget. I budget $100 but I think it will be more like $50. Now if I could just get my spending under control. I think I am going to leave my debit card at home unless I have to get gas.

Woke Up Late

October 16th, 2012 at 09:08 am

I woke up late this morning and had to rush to get ready. In my rush I forgot to stop and get milk to make my oatmeal. I stopped and got breakfast so I could make it to lunch. I will get my milk this evening so I don't have to worry about it in the morning. I did remember to bring my lunch though.

Our email at work has apparently been shut down due to spamming. Apparently someone got ahold of our email account and has been sending spam. We had to change the email passwords on all the email accounts, scan for virus and spyware and let them know that we had done all of this. It could take 24-48 hours for them to get our email back working. My boss is livid. Fun times.

Didn't Eat Out at Lunch

October 15th, 2012 at 10:44 am

I ate one of my frozen meals. It is not what I wanted. I wanted a sandwich and salad from Longhorn's. But I resisted the urge and ate my ravioli instead. It didn't hit the spot but will get me through until dinner.

Email not working

October 15th, 2012 at 09:37 am

We just discovered that our work email isn't working. I called the hosting company and they are aware and are working on it. I wondered why I hadn't received any response to my emails this morning.

I guess since my email is down I will work on my budget for December. Been putting it off because of Christmas. I am not planning on spending much this year.

I am going to try to get out of the grocery store on Friday for $50. I think it can be done. I have $100 budgeted but really need to stay under that since I am short for the next two weeks by about $20.

Grocery Store Fill In

October 14th, 2012 at 03:33 pm

Went to the grocery store just to get oj to last until next Friday. I also picked up some milk for my sister. She usually gives me the cash when I deliver it but she didn't give me the cash this time. I know she is struggling right now.

My sister is on disability and never opens her mail. It is spread out on the floor of her apartment. Apparently she was sent a letter in July to renew her doctors statement for her disability. She never got it. So she didn't get the $3000 deposited into her account in September or October. She just discovered it. I would have missed it the day it was supposed to be deposited. She just doesn't keep up with things like that. It is very frustrating. I think she needs to see a psychologist but I doubt she would go.

Playing with my Budget

October 13th, 2012 at 08:59 am

Since I had to get that prescription yesterday it threw a monkey wrench into my budget. I will only be able to give my mom $150 this payday. Hopefully nothing else will come up.

I filled up my gas tank yesterday for $49.04. I read alot of posts where the gas is over $4/gallon. I feel lucky that gas here is $3.52 per gallon.

Prescriptions

October 12th, 2012 at 12:28 pm

Even the best laid plans can fail. I cut myself down to $8 for the week after gas. Then DD calls me to tell me that she has a yeast infection. I have the money in the rental checking so I guess I will have to rob peter to pay paul. I will have to make it up next week.