Spending

We haven't been very careful with our money and although I put money into savings we now only have about $30 in checking for the next two weeks I do have cash for the jars and we have gas in both vehicles that should last, one for at least a week and the other for the next two weeks. I have had to buy clothes for my kids since they seem to have outgrown all of their shorts. I only got two shirts and two shorts. I'll have to be careful for the next two weeks as I don't want to have to take money out of savings unless it's a dire emergency.

 

~PBMFMM

Updates

Well we've been pretty good with our money except today we went out to eat but we haven't gone out all week which is unusual for us. I work the next few days and we still need to get Fourth of July Fireworks so we'll be taking more money out of the checking account for those things but payday is Thursday and I've already pre-paid everything and arranged for them to be paid on Monday.

 

~PBMFMM

Surprise Bill

Today we got a surprise medical bill in the mail and after I called and spoke with them (I had paid it off I thought in April) the lady informed me that this was a completely different bill, I said well I have been tossing out the bills from you guys since I thought I had paid it and since it has the exact same account number I figured it was a mistake. Well she informed me that it was a completely different bill and that one had been sent to collections but if I wanted to pay it now I wouldn't get contacted by collections, I opted to pay the entire bill via EFT since I don't trust them as far as I can toss them and I told her that since it was nearly the same amount as the one I had paid off in April and the same account number I thought it was dumb of them to keep the same account numbers for each doctor and since it never once listed who the amounts were for I had no idea that it was for different doctors (it just puts the total amounts due in the bill.) Fortunately I keep all my EOBs and I made her go thru them to account for every penny. And then sent exactly what she told me the amount was to them via EFT.

 

~PBMFMM

Spending

We have been very careful to put every penny spent excluding our personal spending money into a spreadsheet that I made and we'll be very excited to see how this goes at the end of the month. Its been up and down at work lately and although I did have an opportunity to get overtime I was way too tired from my last two days at work that I decided that the overtime was not worth becoming sick to have. I'll see how it goes next time and decide on overtime if it becomes available then.

 

~PBMFMM

Update

Well we have been up and down with spending; we have been able to save some money. I do have have $1,000 Baby Emergency Fund up and running but work has been up and down lately so it makes it difficult to get a steady paycheck.

Monday Spending

Spent $30.00 on food is all

~PBMFMM

Spending

 

Spent $24.00 at the grocery store but I used Cash left over from last week and I still haven't taken money out for jars I'm going to see If I can put it off this week completely and use what we have in the pantry!

Saturday will be no spend.

 

~PBMFMM

Today

Today I''m going to make some Pizza dough and Bread plus work on my hobby stuff.

Also on my list is laundry, dishes and mopping the floors.

I shouldn't have to spend anything although I do need to go to the bank to get cash for my jars for the week.

 

~PBMFMM

Spending

Tuesday I bought coffee at work for myself and a friend $6.00 (used personal cash)

Wednesday should be a no spend day.

~PBMFMM

Spending

Saturday I spent on hobby stuff and books.

Sunday No Spend. 

Monday I sent $70.00 extra to my car payment which means with my next payment it will all go to the principal !!!!


   ~PBMFMM

Spending

Thursday- No Spend Day Friday- Paid all the bills for the next two weeks, got groceries and cash for jars. Also spent $611 on hobby stuff for hubby but this was planned along time ago and we had the cash for it. ~PBMFMM

Spending

Tuesday was a No Spend Day :-) Wednesday will be a NO Spend day also since I work, but tomorrow is payday so I'll be paying all the bills tomorrow and getting cash for my jars. ~PBMFMM

Monday Spending

Spent $59.95 at the yard & garden store for new boots and some plants. ~PBMFMM

Sunday Spending

Spent $32.89 at the grocery store $20.00 in Gas for my car (I used cash I had on me) ~PBMFMM

Saturday

No Spend Day! I even took lunch to work :-) ~PBMFMM

Spending

Friday's spending was up and down. We had lunch together just the two of us for the first time in a very long time and spent $59.00.. Bought groceries/easter stuff $79.63. Paid a toll fee for the road $8.70. ~PBMFMM

Back in the Saddle again!!

So after a horrific March, we can only hope that April will be a much better month. We have $250.00 left in our checking account until next thursday and I have a party I am going to on Friday that I know I'll be spending money on. I need yes Need an item there and I won't have to pay tax if I get it at the party. We have started a ledger to help up keep better track of where our money goes and I also plan on getting a food journal app for my phone to keep track of eating habits as we both want to lose weight also. I will have OT on this next paycheck it will be put in the bank so we can get 1k in there for our BEF again. I never feel safe until I have that in the bank. Now if we can just get a meal plan going we would be much better off. ~PBMFMM

more bad news

Well more health issues have come our way that have pretty much maxed out our credit cards but not much we could do about it but pick ourselves up,dust off our butts and pick up again. So here we are starting over again. Well what's that saying....two steps forward,one step back!! ~pbmfmm

Update

We are here, just haven't had time to post due to work issues, we had a very, very spendy past few days and unfortunately most went on Credit Cards. But, and I mean a big but here, we did get our tax refund and I put it in the bank and now we have our $1,000 BEF again and boy do I feel better knowing it's in there.

~PBMFMM

Spending

Today we spent $39.34 on our weekly Pizza run. But I made $10.00 on a side gig.

Tomorrow we are off and I'll get money to refill our jars tomorrow.

We also received our Tax refund so that is in savings right now.

We have $220 left over from last paycheck but I'm sure with gas being over $4.00/gal that we are going to have to adjust our gas jar from $50 weekly to most likely $80 weekly, especially since we both have been working alot and doing odd hours so we are driving both our cars alot.. Bummer gas needs to go back down in price!!

~PBMFMM

Spending

March 7th No Spend Day!

I do need to refill the Jars and I'll have to do that tomorrow since we both work today.

Also we have 2 appointments tomorrow I sure wish they were closer together in times as it's never fun to have to drive someplace then drive home and rinse and repeat 4 hours later, ugh what a waste of gas in my opinion but there is nothing I could do about it. I think I'll get jar money tomorrow also since I'm going to be out and about and maybe just maybe on Friday I won't have to leave the house at all.

~PBMFMM

March 6th Spending

No Spend day mainly because we both worked and we rarely if ever spend on the days we work.

We had snow again last night I love snow so I'm happy that we got about an inch of it to play in before and after work, because I doubt it will be here long since it's supposed to be sunny for awhile again.

~PBMFMM

Spending

March 4th  $35.00 Quiznos

March 5th No Spend day

~PBMFMM

March 3rd Spending

$20.00 for misc stuff we needed around the house.

~PBMFMM

March 2nd Spending

Spendy day for sure:

$200 for birthday gift.

$630.00 for new tires for my car

$289.00 groceries and a new frying pan desperately needed

$180.00 cash for jars

$114.00 dinner for birthday for entire family.

~PBMFMM

Whew hope this one doesn't happen again in awhile expensive day for sure but we knew we had to get new tires and waited for a good deal for them.

Our income tax should be in the bank next week so that will help alot to replenish the stores per say.

February Updates on Spending

15 NO SPEND DAYS :-)

We spent more on pet food then usual but I wanted to get it all out of the way at one time and not have to go back for awhile.

We went over for groceries $541.95 so almost $150 over for the month. But dining out was on $57.96 so that helped.

Spend $300 on gifts for the month

$19.97 on a new Furnace Filter which I'm going to buy a replaceable one soon and just change my replaceable ones out every month so save money.

$29.99 on Antivirus renewal but I'm picky about this.

$88.00 on haircuts for the family.

$81.13 on Clothing for the family.

$65.00 on Pet grooming for our dogs.

So over and under in some things we'll see how next month goes since it is a 3 paycheck month for us and the first payday both our checks were smaller then usual.

~PBMFMM

March 1st

No spend :-)

~PBMFMM

February 28 & Leap Day :-)

No Spend both days :-)

Tomorrow is payday so I will be paying the regular bills and getting money for the jars for the week. I also have a friends party on Saturday that I need to buy a cake and Ice Cream for so I'll be spending money on those.

~PBMFMM

February 27th Spending

I admit it I bought Junk Food :-(  ------$5.15
New Furnace Filter  $19.97

~PBMFMM

February 26th Spending

No Spend!!! We didn't even leave the house today so no gas either :-)

~PBMFMM

February 25th Spending

NO Spend Day :-)

We did go to the grocery store but I used cash from the jar so I don't count this as I have already removed it from the bank and allocated it for grocery spending.

We do need gas in our car so we will have to do that today or tomorrow.

~PBMFMM

February 24th

No Spend :-)

~PBMFMM

Spending February 21st-23rd

February 21--NO Spend

February 22--No Spend

Februrary 23rd-Paid Gas bill, Mortgage and got cash for jars.
Spent     $8.09 at KFC
Bought Dog,Cat,Farm animal food $75.02
Spent $14.63 at the grocery store.

~PBMFMM

Spending

February 17th Groceries $64.90, Cash for Jars $60.00

February 18th No Spend

February 19th No Spend

Februrary 20th McDonalds $14.23, Groceries & Housestuff $ 57.29, Magazine $1.35

~PBMFMM

February 16 Spending

Today is payday so I paid bills.
$30.00 to savings
$20.00 to pet account
DFS $100.00
CC $116.00
And took Cash out for Jars for the week $272.00

~PBMFMM

Spending February 15th

We did quite abit of spending today.
Books from amazon $27.70
Groceries $38.32
Phone Bill $163.63
Cable Bill $139.63
Antivirus renewal $29.99

~PBMFMM

February 14th

No Spend Day

~PBMFMM

February 12th

Today I paid off the Medical bill we have of $357.52, now on to the DFS bill.  Onward and upward!!

~PBMFMM

February 10th & 11th

February 10th
Spent $27.49 going out to lunch with Hubby while kids are in school.
$9.79 on a book to read.
$180 cash for jars.
$227.34 for water bill
$65.00 for pets.

February 11th
$162.59 for Sirius radio for year fee (I actually forgot about this for once.)
$150.00 for birthday gift for family member
$23.00 to go to an event out of town.

~PBMFMM

February 8th & 9th

No Spend as I had to work both days. I know we will spend tomorrow since I need to get cash for our jars, gas in my car and my dogs are going to the groomers (this will come out of our pet account, we have money taken out every payday and sent to a separate account for our animals grooming, food and any other things we need.)

~PBMFMM

February 7th

No Spend Day :-)

~PBMFMM

Spending February 6th

No Spend day :-)

~PBMFMM

Spending February 3rd and 4th

Friday we went grocery shopping and spent $127.48. We also bought some clothing for one of the kids at $81.13.
Saturday we spent alot on a birthday present $277.00 but hopefully they will love it.

~PBMFMM

February 2nd

Today I paid almost all the bills I still have 3 I need to pay but I wait until the cycle ends so its on next months totals.

I deposited the extra money I had in the bank and will call to see the exact balance of my medical bill so I can pay that off today or tomorrow.

I still need to get Cash out for the jars for the week.

I did spend $15.00 on a wax warmer and used some of the extra money I had for that.

~PBMFMM

February 1st and Update

Today I spent $127.48 at the grocery store, we were sadly very short on almost everything. I'll pay bills tomorrow since it's payday and I need to go to the bank and cash a check for my snowball jar.

Update for January:
We went over budget but it sure was nice to have a quite a few no spend days last month, I don't ever remember having a month with so many so I'm happy. I'm hoping that keeping track will help us figure out why/how we go over so much and I'm happy to report I posted spending updates every single day in January!!

We had 15 NO SPEND DAYS in January woot woot :-)

We do have another birthday this month and again one next month so I'm sure there will be expenses for both of those.

As for my snowflake jar results I'll be taking the money and putting it towards the Medical bill most likely tomorrow or the next day and I think with all the money in there it WILL BE PAID OFF!!!!! I might call and get the exact balance so I can just pay it all off by Friday. I did receive the rest of the medical bills for my surgery and I'll be paying those also I'm just not sure which payday I'll use.

That's all for now :-)

~PBMFMM

January 31st

No Spend :-)

~PBMFMM

January 30th

No Spend Day :-)

~PBMFMM

January 29th

No Spend day today but we will need to get gas in one car tomorrow.

~PBMFMM

January 28th

No Spend Day :-)

~PBMFMM

January 27th

Paid gas bill $66.74
Got gas in my car $57.50
Got $63.00 in Cash from ATM for jars, Yes I paid a fee but it does get reimbursed on the 1st.
Subway $19.59
Amazon $9.71

~PBMFMM

January 26th

No Spend :-)

~PBMFMM

Spending Jan 25th

Personal stuff ~$50.00
But I made $137 dollars extra on side job.

~PBMFMM

Spending January 24th

All I spent money on was paying our mortgage ~$1300.00

~PBMFMM

Spending January 23rd

Petco-  $113.18 Dog treats, Dog snacks and DH hobby. He paid me back ~$40 so I'll save that for cash for next week.

Lunch out $20.00 had a coupon

Computer gaming $41.97 been trying to save up the monthly amount for these each pay period so when it comes out I have the money in savings.

~PBMFMM

Spending January 22nd

Ice Cream $28.99 Birthday for family member
$29.95  Pizza Birthday Dinner

~PBMFMM

Spending January 21st

$133.71 for groceries.
$40 for cash for spending for the week for dh & myself.

I haven't had time to go to the bank to get cash for our jars so I just got cash while we were at the grocery store for DH & myself. I still have to fill the rest of the jars but it will have to wait until next week sometime.

~PBMFMM

Spending Friday January 20th

Spent $59.37 on a birthday dinner for a family member.

~PBMFMM

Spending & Miscellaneous

January 18th- No Spend Day :-)

January 19th- Payday I paid bills,
Mortgage, Electricity, Gas, Debt Bills, and set aside the money for jars for the next two weeks.

We don't have to get gas in the car it's still nearly full so were good to go there, car number 2 has gas but I'm not sure how much, and if it will last until next week but I'm hoping it will.

I'm going to be doing a very, very big deep house clean over the next few days I have lofty goals to get my house in tip-top shape including getting rid of alot of "stuff" we have just lying around.

I hope the weather cooperates with my lofty goals...

That is all for now :-)

~PBMFMM

Tuesday January 17th

No spend day :-)

~PBMFMM

Monday January 16 Spending

We spent ~$45.00 at the grocey store, we again used cash from our jars for this so it had already been removed from the checking account. We work Tuesday and Wednesday which will make a no spend two days also but I'll update those days when they get here.

~PBMFMM

Saturday & Sunday Spending

We had no spend days on both saturday and sunday. We do not count money we get as personal spending money every week in our spending as this is free money to do with whatever we want each week.

~PBMFMM

January 13th Spending

$220.00 to replace cash in our jars for the week, we had already gotten gas in both vehicles so we didn't need to take gas money out this week.

~PBMFMM

January 12th Spending

$44.55 at the grocery store and that is it :-) Oh and we used cash from our cash jar.

~PBMFMM

Spending January 11

Gas for Car $40.00
Junk food $4.40
Gas for 2nd Car $60.80

Edited to add the gas for car number 2..

I left the gas for 2nd car blank since my DH is getting gas now and I'll update it when he gets back. This will use up our gas funds for the next week but both cars will have full tanks and we don't have to go anywhere but work and the grocery store.

~PBMFMM

Spending January 10

Today we spent $15.74 on junk food. We're happy because usually we spent way more then this each week so for us this is a big save.

Paid Cell Phone bill $163.92.

We do need to get gas in both cars so I know we'll spend more because of this..

~PBMFMM

Spending January 9

Today I spent ~$5.00 but I used my personal money to buy some soda and other stuff.
I also had a direct  debit for $10.79 for a book I preordered and completely forgot about.. Shows you how long ago I ordered this book!

~PBMFMM

Spending

We spent $12.00 on ice cream but I used my personal blow money so I'm not counting it in our total spending. ~PBMFMM

Check in the mail

Yesterday I received a check in the mail for an over charge to one of my children's dentists so being the great personal finance person I am I applied that to our snowball jar so it now is at $220.16 not bad for one month of money.. Now if I can just get a little bit more I can pay off a medical bill we have and that will put us 3 months ahead of schedule.

~PBMFMM

Spending

Paid $230 half of car payment, $1.08 for a sweet tea, $13.00 for lunch and volunteered to pick up two extra days at work, here's hoping for some OT…

 

~PBMFMM

Spending

Today is payday so I have paid quite a few bills totaling $1392.04

Our paychecks total was $2567.65

I have not removed money for jars for the next two weeks and I still have a couple of bills I'm waiting for to be paid so there won't be very much left when that happens.

Included in this were about $210.00 of medical bills that needed to be paid after insurance paid there portion..

 

~PBMFMM

Spending January 4th

Spent $5.00 on junk for work today to eat I forgot to bring lunch :-(

~PBMFMM

Spending January 3rd

No Spend Day :-)

~PBMFMM

Spending January 2nd

We worked so we had a no spend day :-)

I also redeemed some old points I had lying around in my CC so I put those on my card as a credit to statement and added this to my snowflake jar.

~PBMFMM

Extra Money

In the mail Saturday I got a check from a BOA settlement not sure what its for but I did used to have a BOA account along time ago, don't particularly like them now so I have a credit union account now. Buuut free money is free money I'll use this to jump start my snowflake jar and cash it on my next day off I think I need to make a snowflake account somewhere wonder which online bank I should use..

 

~PBMFMM

Spending

No spend day :-)

~PBMFMM

Re-Visiting 2012 Goals

• Pay off DFS-Balance $1552.54 by 11/30/2012
• Go on one weekend camping trip
• Go hiking twice per month
• Track spending first quarter Jan-Mar
• Buy Plane tickets for kids to go to grandparents ~$400.00
• Pay off medical bill $557.52 left by 4/30/2012
• Pay off Citi $1719.99 by 12/31/2012
• Get $1,000.00 into BEF
• $500.00 to camping fund
• $700.00 for Christmas Fund by 12/10/2012

Yes, it's big for a reason, maybe then I will make sure and do exactly what I say. Today is our start fresh day. We have any money we have left over set up in a budgeting program so we can be very aware of what we spend, the hard part will be tracking spending every day.
Now the other hard part will be taking lunch to work at least 2 times a week, for me this is not an issue but for DH it must be frozen meals from the store or he well "whines a lot" which usually happens since I refuse to buy them unless they are on sale. I told him to make a sandwich like I do but he again "whines" I don't like sandwiches for dinner and I usually reply then find something else no money for frozen meals unless you use your weekly spending money.