Archive for October, 2008


November and December are shaping up to be spend months. *Sigh* Normally, I would try to avoid this, but with the way the market’s been and the business at work, I’m ready for some me time. With this in mind, in the next two months, I will be attending three concerts. I’m extremely excited. I love concerts! I’ve only been to three so far in my life, so in two months, I will have doubled my grand total. Sweet! In November I will be seeing Buckcherry, Avenged Sevenfold, Shinedown, and Saving Abel all in the same show. Next I’ll see Hinder, Trapt, and Revelation Theory. And finally, I’ll see Papa Roach, Staind, and Seether. I couldn’t be happier. I love these bands! A few, I’ve already seen, but can’t wait to see again.

Hinder – seen twice already

Buckcherry – once

Revelation Theory – once

Papa Roach – once

The remaining bands, I haven’t seen yet. All three shows are guaranteed to be AMAZING!!!

Two of the shows will cost $35.00 each & one will only be $17.50.

Also tomorrow, Halloween night, I will be seeing Joan Jett & the Blackhearts with my mom. That should be a great show too! Once the new year comes, I really need to go back to being frugal and not spending so much money, but lately I’ve needed some excitement in my life and rock concerts are always a sure bet for excitement!

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Expenses MTD

Auto Loan 310
Student Loans 187.28
Parent Loans 110
Citibank CC 29.91
Bank of America CC 151.85
Fuel 123.78
Groceries 0
Utilities/Water 98.67
Bank Fee 32
Verizon 164.17
Beer 27.48
Soda 3.32
Medical 15
Vet Bills 187.2
Dining Out 63.46
Entertainment 25.18
Dad’s Chase CC 97.11
Household Items 97
Pet Food/Items 144.56

Total Expenses Month-to-Date = 1867.97

Some of these things could have been avoided. The bank fees definitely could have been avoided with better planning & account balancing. Also, I didn’t really need to spend nearly $30 on beer just because I was out with friends. I could have drank water instead. I also didn’t really need to buy individual bottles of soda. I could have bought a 12pk or a case, whichever was the better buy. $63 dollars for dining out in one month alone is absolutely crazy! What was I thinking?!?!?! The $15 medical bill could have been avoided too if I had taken the payment out of my HSA instead of my regular checking account. That I attribute to a moment of stupidity. And finally, I absolutely didn’t need to spend $25 for entertainment purposes. That’s a total of $166.44 that could have been saved instead of wasted. Or I at least could have bought some groceries!

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Expenses Oct 28

Here are this week’s expenses so far:

Auto Loan – $310.00

Bank of America – $26.75

Cell Phone – $150.62

Mom’s HSBC – $26.61


Total = $513.98

I’ve decided to pay on my mother’s small credit card. Once that payment posts, she’ll only owe $220.00. Maybe we can scrounge up some extra money somewhere and find a way to pay that off before the end of next month. Then that’s one less card for my parents to worry about. Plus, that HSBC card has an annual fee, so that would be another expense they can avoid.

On another note, my Citibank card is getting smaller all the time. It’s now down to $1190.00. I really still hope to have this paid off before the end of January 2009, but it might not get completely paid until February. We’ll just have to see how it goes.

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Savings Accounts

I have 3 main savings accounts. They are my Emergency fund, Car Maintenance fund, and Long-Term savings.

Here is the interest I’ve accured for each; Month-To-Date:

Emergency – $1.24

Car Maintenance – $0.08

Long-Term – $1.73

My long-term account is actually a 6-month CD right now. I took $100 from my emergency fund Since I don’t plan on using that money (hopefully) any time soon. Plus, with working over time, I had a little more wiggle room with my finances this paycheck. Hopefully, more over time will be offered occasionally. I say, occasionally because after working 14 hours of over time last week, I thought I’d lost my mind. From now on I plan to keep my over time at 10 hours or less. The stress isn’t always worth the money.

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Short-term Hiatus

If there’s anyone still keeping track of my little blog, I’m sorry I’ve been out of touch again for the last few days. Saturday night I received a terrible call. Someone I knew was murdered on Friday. He was only 24. It’s a terrible thing when anyone dies, but I personally have never had anything so tragic happen in my entire life. The deaths that I have experienced have been ones from illness. With an illness, you some time. It may not be long, but at least you know that it’s coming sooner or later. But when it’s so quick & tragic  & senseless, it’s much much harder to accept. This wonderful, amazing person was taken from everyone he loved far too soon & it leaves a gaping hole in every heart he touched. Some may never recover. All I can hope & pray is that his family can find some peace & comfort in remembering all the good times & love that was shared.

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Oct 17 Paycheck

Full-time Job = $1082.87

Part-time Job = $106.02

Total = $1188.89


$95.00 – to brother

$20.91 – Citibank CC (Mine)

$58.85 – Bank of America CC (Mine)

$187.28 – student loan

$98.67 – utilities

$97.11 – Chase CC (Dad)

$40.00 – transfer to regular savings (investment purchases)

$46.18 – Fuel

$6.50 – pitcher of beer with friends

$29.00 – NSF fee

$26.36 – dinner & margaritas with my sister

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