Aside from the grocery shopping I'm going to do today (since yesterday was payday and it's time to restock some things), I am planning on spending about $80 today.
My step brother is leaving to be stationed in Okinawa next week. We're having a going away party for him tonight. It sounds like his wife's family isn't going to be there for various reasons (lame but whatever) so it's just going to be us (myself, youngest brother, middle brother with wife, and step brother with wife and baby and maybe step daughter).
Youngest brother doesn't have any money, well he has enough coming in to cover basic expenses while he goes to school so I already told him I'd cover his dinner.
Middle brother and wife have been going through some trying times. Wife had some swelling in her brain that resulted in her having eye surgery. She's been off of work for a month now which has saved them a lot in gas but still cuts into their budget. Although Middle brother also had a recent raise of $2/hr that kicked in right about the time that wife took sick so they're not totally strapped but close. So I'd like to pick up their bill as well.
Step brother is leaving. I want to do something nice for him but because he's heading overseas there's really nothing I could give him that would be appropriate. So I'll treat them to dinner and give them a little more wiggle room as they sort stuff out. Step brother's wife and baby will be staying in the states an extra two months before following him.
We're going to Red Robin where it's next to impossible to spend less than $10/person unless people share. There's six of us (plus possibly a 5 yo) so that's at least $60 plus tip. I have $60 set aside to pay for eHarmony but I talked to J, the guy I've been dating briefly, last night and I think I'm just going to give it a little more time before I throw in the towel just yet. So instead of spending it there I'll just spend it on dinner tonight. If I do decide to join eHarmony I'll just use money from my babysitting jobs that have become more plentiful as of late.
Granted, if more people show up (ie close friends) it'll be trickier to pull off. But it's something I really want to do AND I can do it without charging it. It makes me really happy to be able to do these things and I don't make a habit of it (though I'd like to but I realize that's part of what got me in trouble before with credit cards).
Viewing the 'spending' Category
Aside from the grocery shopping I'm going to do today (since yesterday was payday and it's time to restock some things), I am planning on spending about $80 today.
Seems like forever since I've blogged. Probably because I had a four day weekend (burned up my last two vacation days) and haven't really been around the computer much.
I found out that I'll be reimbursed for most of what I spent on food for the baby shower I helped co-ordinate last Saturday. I knew that the soon-to-be grandmother had sent a check to the gal organizing everything but didn't know how much. I spent about $48 total and the organizer bought stuff too. Turns out between the two of us we only spent $16 more than what the grandmother sent us so we split the difference. I was planning on donating $20 to the cause so that works fine for me. She'll give me the check on Thursday.
I also still had money from the cash I got paid last week Monday so I included that in my Tuesday Deposit. Total to be deposited is $75, would have been $100 but the guy who pays me on Sunday didn't have a check with him so I'll get it on Wednesday.
I have decided to join eHarmony. The guy I have dated a couple of times from the free communication weekend isn't working out and they're having a special (that they run often apparently) where you can get three months for the price of one. I'm not actually committing to it until I finish sorting out the guy but I took the $60 out of my Tuesday Deposit so I'm still putting $15 into savings today.
I just got an email from the gal in charge of the Monday childcare that I've been doing and it might actually turn into a regular thing. As much as I'd love to pick up every possible extra dime, I can't commit to every week and keep my sanity. Especially since I'll most likely be doing Wednesdays as well, the first three of every month. So I think we've decided on every other week, with a second person helping which actually drops the pay from $25 to $20 because she only has $40 in the budget for child care. But I'm ok with that. I also told her I could be a backup on the off weeks in case something happens at the last minute with the regular sitters.
One of my drugs is coming out with a controlled release version (meaning I would just have to take one a day instead of two a day). Apparently not all insurance companies are covering it so I called mine today to see if it was. It is but on the most expensive tier, I pay $35 for it now and it would be $50. Since I take other things twice a day it's not that big of a deal for me to continue taking it twice a day. But I will have my dr write me out a prescription for it because I'll be getting a coupon for a free 30 day supply from the manufacturer. The other good news with that particular drug is it'll be coming out in generic soon too which means it should drop in price from $35 to $10.
And in non-financial news, I'm doing the Photo 365 thing too. I included the link in my links section but here it is: http://picasaweb.google.com/ldyfaile/Photo365 I plan on updating it as often as I can. I will take a photo a day just might not upload it that day. It looks like you can subscribe to a RSS feed as well for it. I love Google.
I didn't intend to splurge. But I had an opportunity to go to Costco over the weekend. While I didn't buy much really, and what I did buy I got a good deal on, it still made this payperiod's grocery budget tight. The flip side being that the next few payperiods grocery budget will be a little roomier since I won't need to buy some things for a while that I use almost every day.
Then I took my friend out to breakfast at McDonalds (an old family tradition) and spent about $7 total. Which zapped the rest of my cash. So I pulled $40 out of savings and then wound up at Saturday Market. Spent $5 on lunch and found the perfect bag for $8. I hate carrying a purse but with summer coming up and my desire to carry my digital camera with me a lot more it's something I was planning on getting anyway.
So now I have $25 to last until the 20th. Shouldn't be a problem, there's only a couple things that I'll need to restock.
I'll be getting paid cash for work tonight so I'm thinking about just hanging onto it instead of depositing it, giving me $50 on hand. Reason being, I'll be buying a bunch of food for a baby shower on Friday and I'd rather spend cash. I will be reimbursed for whatever I purchase but cash just seems to be easier for me to limit what I spend. To easy to overspend with a card.
I also have $30 that I'd pulled out for a baby shower gift. I'm not really planning on spending that much and I have a coupon for one of the places she is registered at plus I might be going in on a gift with another friend. All told I'll probably be putting a lot of money back into the bank after this next weekend is over.
Just right now I feel like I'm bleeding cash left and right. But I know I'm not really spending all that much all told.
I will need to buy new shoes for doing Portland to Coast. I wanted to buy two pairs, one mainly for training and the other for the actual event (that I would break in during training but not use quite as much). That was a trick I learned when training for a marathon, if you find a pair of shoes that really work for you buy two pairs because chances are if you wait til you actually need them that style may be gone.
I used Brooks Addiction 4 Men's running shoes for the marathon. For the walk it was perfect, just enough room in the toe so I wasn't smashing my feet when I walked and I managed to only get one blister out of the whole thing and it was near my callous on the side of my foot so I didn't really notice it anyway.
A year or so later I picked up another pair of the same shoes, apparently it was a popular style so Brooks kept it around.
This year I had resigned myself to having to go to a running shoe store to get fitted and see what brand/style would work this time around. I remember paying about $75 each pair for the shoes I got before.
On a whim, I decided to check online. I rarely buy shoes online because I can't try them on. But I found someone that had the exact style I was looking for on clearance. Total price for two pairs including shipping: $78. Rock on. I think I'll wait til next payday to actually buy them. But that made me happy!
I really really really want to do Portland to Coast which is the walking portion of the http://www.hoodtocoast.com relay. I found a team and was given two options. Pay the entrance fee now (the captain had already paid the fee to lock in the spot) or agree to pay by race day (August 24th). I didn't want to put it off, I do have it in savings although it doesn't exactly qualify as an emergency. So I told him I would mail him a check. Cost is $131.50 but $25 of that is to go for team fleeces.
I didn't really take in all the fees that are associated with this event. If we can't find vans/suv's to borrow we'll have to rent them to the tune of $800 each, or $1600 for the weekend so $200 each teammate. Then there's the hotel stay. After 127 mile relay race chances are no one will be heading back home afterwards. That's another $180 just for one room because none of the hotels in Seaside let you book for just one night on that weekend. But I might be able to share it with a teammate.
The captain is trying to get us sponsored. If that happens then hopefully we can use that money to cover the rental of the vans. Or if we find vans to borrow, perhaps that will cover the cost of our entrance fee.
I am really looking forward to this adventure. I meet my new teammates on April 7th.
Not much been going on in the money realm of my life lately.
I went on a date, first time in about 6 years, on Saturday. I'm still a novice when it comes to dating so I went fully prepared to pay for my portion. He wouldn't let me though and insisted I take home the leftovers (we split a small pizza). We have tenative plans to get together again soon. However we both are pretty busy with work and life which makes actually nailing down a date/time a little difficult.
I remembered when I went to get my check for last night that they owed me for two weeks. That was a nice bonus since I'd forgotten about it. My Tuesday deposit is currently $50. It might wind up being $55 if I don't spend any money tonight.
I got my balance transfer check (at the rate of 3.99%) while I was gone for $11,000. I'm waiting to cash it until I know for certain my balance is $0, but new statements should be coming out tomorrow. I'm debating what to do with that money. Here's the current plan:
$8,250 to pay off loan (14.4% interest)
$1,000 to go into savings account just in case my brother needs to borrow it for school (4.5% interest). If he doesn't need it then it'll go to pay off my loan at 10.9%
$1,000 to take over my portion of a debt on someone else's credit card. (7.99% interest)
With what's left, approx $750, I think I've decided to bump up my EF to $1k and then take what's left over and put on my loan (10.9% interest). My EF just never seems to hit the full mark. Once I hit that then I'll start putting my extra pay towards the higher interest loan. Every little bit helps.
I left with a little over $60 in my pocket for food. I came home with about $8 because my friend paid for a couple of meals plus the places we stayed offered decent breakfasts included with the rooms. I also spent $10 on a tshirt for me since I saw it the last day I was there and knew I had the money to spare. I did reserve a room with my card and its obvious the authorization is still out there because it shows in my available credit. However when we checked out my friend put all charges on her card so the authorization should go away soon. My balance still says $0.00.
I had a lot of fun. It was crazy, I played navigator and secretary. We found her an apartment that was a little over her budget but it was something she could find out imediately about as opposed to having to wait 1 or 2 days. They were unloading the trailer when I left for the airport.
I checked on the status of my balance transfer request, it has been approved so yay! I also happened to look and see what is currently available and the only option now is a 6.99% rate until paid off. I am soooo glad I put in the request when the 3.99% rate was available! Now I just have to wait for the check to arrive and hold onto it until the 20th to make sure the balance is $0.00 before I deposit it.
Apparently there are a couple of hoops to be jumped through in order to make payments online to my Citi loan. I can't transfer directly from another financial institution to my loan. Instead, I have to do a transfer to my dummy Citi checking account and once it arrives there then I can transfer the payment to my loan. It's still faster than mailing it in, especially if I can submit it before noon my time. They reflect the interest accrual daily in the balance so I've been itching to submit a partial payment. But I had to wait the 14 days to set up my external account. Soon it will be down to a science and I'll be saving on interest.
I was asked to be in a wedding. I don't really want to do it but it means a lot to the bride if I do. Before I left for Utah it had been called off by the groom over something totally stupid. One of those things where you think 'good thing it got called off now'. I was just informed by my brother that the wedding is back on. *sigh* I'm just too nice sometimes. The only positive thing about this wedding is it's in an area where I have lots of friends and family that I've been meaning to visit so perhaps I'll make a vacation out of the trip.
Boy what a confusing time I had this morning. My method got messed up, I double added a couple of deposits so I thought I had more money than I really did, etc. But I sorted it all out and wound up with the following:
- All regular budget items taken care of.
- Another $20 paid towards a retreat I'm going on. It's $70 total but I'm hoping to be able to pay in installments each month. This payment makes $40 that I've paid so far.
- $25 on a Kiva gc for my dad for his birthday on Saturday.
- $40 pulled out for my vacation
- $40 held onto for the next paycheck, just to be sure all bases are covered.
I pulled out my gas and food budget too. I'll leave half of the food budget at home and most of the other half will be added to the $40 I pulled already. The only food I NEED to buy before I head away is I'm signed up to bring a main dish for a potluck on Tuesday. Otherwise I can skate by on whatever's in the house. I don't have to worry about hotels during my trip, my friend said she would cover that as a thank you for coming along and helping her move. So I think $80-$85 should be plenty for food over about 5 days of travelling. Hopefully we can stop at the store and buy things to eat in the car for our driving days instead of eating out every meal. I am planning on NOT spending every dime I take with me
I haven't decided if I'm going to fill my tank before I leave for vacation or not. If my friend who works in the woods at a special school is home while I'm gone and needs the car then I'll fill it for him, otherwise if it's just going to sit at another friend's house I'll leave it at about half tank. My roomate will also be gone while I'm gone so I'm making arrangements for it to be somewhere that can be checked easily.
I went to Seattle this weekend. I caught a ride from some friends already going up so I saved $40 in gas. But then I spent more than I had intended on some things. Fortunately, not more than the $40 I saved in gas. It was worth it to surprise my friend that's moving away though.
The kill switch was installed this morning. Unfortunately it wound up being in a slightly more visible place than I expected but still not where I would look first if I was trying to quickly steal a car. So I think I'm going to continue using the club, give them something to focus on and perhaps draw attention away from the switch. I do feel better knowing it's there even though I do think it's painfully obvious. *sigh*
When I get my check from insurance for the tow I think it'll go into my brick and mortar savings account. That one's taken the biggest hit out of all of this. I try to keep all three accounts someone even but especially the local one since that's the one I can get to immediately if necessary.
In talking with someone at the gym this morning I decided to look into having a kill switch installed. Basically it means you have to do something special or the car won't start. The gal I talked to said she got it installed for $60 on her car.
I called my mechanic and he said to just get a car alarm with a kill switch. I called around about that and nothing was less than $200 installed. Umm not really what I was looking for.
I did however find a place that installs just the kill switch for $65. Now that's what I'm talking about! Appointment is set for Monday morning 9 am. I am leaving this weekend to go to Seattle so my car will be left unattended at my friend's house, armed only with The Club. Hopefully it will be ok. I know it will be but I'm a little paranoid now.
I dropped my car off at the shop to see if the random weirdness going on with my power locks was in any way related to the theft. Unfortunately it's not. And it's $212 to fix. Umm it can wait. So in the end it'll be $42.50 for the diagnosis plus $65 for the kill switch. Still cheaper all told than the alarm.
Thank God for an EF!