Archive for November, 2008

Standard Mileage Rates for 2009

On Monday, Nov 24, the IRS announced that the mileage rates would change for 2009. They are as follows:

Business – 55 cents per mile

Medical or Moving Purposes – 24 cents per mile

Service of Charitable Organizations – 14 cents per mile

I almost completely forgot about this tax deduction!! My company is big on volunteering for charities and other organizations. They give us volunteer hours to use throughout the year. I used mine during the summer to help sandbag at the city levee during the “Floods of 2008” here in the midwest. I’m going to need mapquest to see how far I drove. I’ve also had several trips to numerous doctors’ offices and the emergency room several times this year. I will need to mapquest those miles as well. I’ve also had a few business meetings where I’ve had to drive to a location away from work.

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Tempting Emails

J. Money over at Bugets are Sexy, wrote an interesting post yesterday. Although I can happily say that I’ve never spent $40.00 on “Bling Water,” I’ve definitely had my fair share of emails trying to get me to part with my dear sweet money. One in fact just happened today. My brother and I have a cell phone family share plan. He received an email letting us know that we could renew our contract and upgrade our phones as a “holiday special.” This sent my brother into a frenzy. He’s been wanting a new cell phone for ages now. Sadly, he’s just like me. We LOVE technology, and we love the better, faster, smarter, easier cell phones. Since I’m the primary accountholder, I have to go be the one to actually renew our contract. At first, I had no intention of getting a new phone. I haven’t had my PDA for all that long; though it is an outdated version. Then my brother’s excited frenzy started to shake my money-saving-debt-paying resolve, and I began to cave. I have been saving my coins, dollars, and any unexpected money in a wooden bank. This money started to look like the money I would use to get a new phone. So on our way we went to the local store; money in hand….

Luckily dear readers, my story has a happy ending. It turns out that the customer service representative at the store could not find the email that was sent to us about upgrading our phones. Since he couldn’t find the email, he would not be able to allow us to upgrade early. So we walked out of the store with no new phones and no new contract!!! I was ecstatic! Although my no-spending was all pure luck, it was no-spending just the same. I can happily say temptation avoided! And instead of spending my money on something I didn’t need, I ended up putting the money towards my debt. Yay for me!

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What I’ve Spent

Since I finally decided to start keeping track of my spending, in order to start “Debt-Proofing” my life; I’ve realized I spend money almost everyday. It’s usually small amounts, but they all add up. The days I spend the most are obviously payday because payday is the day I pay all my main expenses. I started keeping trackas of Nov. 8th and it’s been tough. It really takes quite a bit of thought to write down every purchase, every bill, every anything, but I’ve been doing it. It feels good to see where all my money is going. I know tracking my spending will do me a lot of good in the long run. I’ve been meaning to set up a budget for so long; and now I’m finally going to.

So far, I’ve only had two No Spend Days. Although this depresses me, I know that the longer I keep track of things, the more No Spend Days I will eventually start to see. Right now I’m just trying to get a handle on tracking where the money goes. But I will keep trying for those No Spend Days. Generally the weekends seem to better canidates for me. This is due to the fact that I’ve stopped going out on weekends. I’d rather spend my time at home with my family and my dogs.

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Amazing Giveaway

Holly over at Mommies With Cents, is giving away a $50 gift card to Box Tops Marketplace. I think this is an amazing giveaway. I love Box Tops for Education. My family saves them all the time. My siblings and I used to bring them in for our school and now that we’ve all graduated, we’ve started giving them to my young cousin for her school. I had no idea there was a Box Tops Marketplace. Thank you Mommies With Cents for educating me!

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Weekend Overview

Satuday:

Saturday I found myself in the Emergency Room with my mother for 5 hours. It seemed to be a very very busy day for the local ER. My mother recently had a Tracheostomey and as I was cleaing it, I smelled an odd odor eminating from in her throat. It smelled like infection. So my mother called her main doctor’s on-call nurse & they suggested we go to the ER. We sat there for 5 hours so the ER doc could tell us that she has general respiratory infection and to give her a prescription for antibotics. We could have gone to convienent care for all this and it would have only take maybe an hour at most. Ugh.

Then it was off to run some errands for my parents’ business. Another two hours down the drain. Finally I got home around 7:00 pm, checked my email and then spent the rest of the night watching TV. What a waste of a day.

Sunday:

Sunday was better in a few respects. I didn’t spend the day in the ER, but I did spend 5 hours or so working for my dad. We were very busy. There was a lot of work to get done, and then I had another errand to take care of. Sometimes being the responsible daughter sort of sucks. Why are my siblings never held to the same accountability as I am? Because I’m the “good one,” the “responsible one,” and I feel bad if I say no. Ugh.

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Weekly Spending Report

Nov 8th – Nov 14th

Fuel – $50.10

Groceries – $143.07

Pet Items – $9.62

Utilities/Water – $173.48

Dining Out – $15.49

Gym Membership – $64.20

Newspaper Subscription – $5.42

Credit Card Debt – $22.35

Student Loans – $85.00

                                                   

Total = $568.70

I went crazy at the grocery store. There’s no way I should have spent nearly $150!! That’s just unacceptable.

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Veteran’s Day

Happy Veterans Day!

Thank you to all who have served, those that currently serve, and to the friends and families of those who serve. Because, even though you’re not on the front lines fighting for our freedom, you still serve in your own way. A special thank you to those who have made the greatest sarifice by paying for our freedom with their lives. You may be gone, but you will never be forgotten.

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