Archive for April, 2009

April Spending To Date

  • Debt – $40.57
  • ATM Fees – $7.00
  • Grocery – $20.00
  • Fuel – $106.40
  • Utilities – $236.31
  • Entertainment – $11.89
  • Auto Loan – $303.00
  • Student Loans – $292.28
  • Dog items –$511.83
  • Phone – $337.14
  • Dining Out – $152.06

Total – $20.18.48

No Spending Days = 3

The dogs’ category is so high because the dogs had a vet visit that was $295.00. Also I bought a poop-scooper and a set of stairs so my little dog could get up to the bed easier. I went over board this month with going out to eat. I went one night with some co-workers to a new restaurant and a highschool friend of mine had a birthday celebration. The phone category is twice as much as it normally is because it was time renew my contract. I got a new phone and will be receiving a $70.00 rebate, so it will offset a little of the cost. Currently, my main checking account is through USAA and they refund ATM fees up to $15.00 per month, so I will get my $7.00 back.

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Saving Money

I don’t really follow Suze Orman, but I think her new advice is good advice. Now is definitely the time to start saving as much as you can, and only make the minimum payments on debt. With all the layoffs and companys that have closed, it’s scary not to have a well funded Emergency Fund. I only make the basic payments on my debt now. The rest goes to savings. I also just consolidated my student loans again. I had consolidated my original student loans when I was in college the first time. I hadn’t done anything with the new loans I had when I started school the second time. Through the consolidation, I will save an extra $40 a month. My payment is changing from $187.28 to $141.61. This is a very good thing for me.

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Thank You

Thank You to the three very nice people who signed up for an ING Savings account through my referrals. You are awesome! I hope you enjoy banking with ING as much as I do.

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Redbox Code 4/13

Today’s redbox code is J89LA2. This code is good until midnight. Movie must be returned before 9pm the following night or you will be charged 1.00 + tax for another day.

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Happy Easter

I hope everyone who celebrates Easter has a happy one!

 

I lost track of my spending during March, so there won’t be a March spending report. I have started keeping track again for April. There’s been another type of cutback in my department at work. Any of the representatives in my area that work after 7pm get a pay differential. Nights are started to get slower, so in order to cut more costs, the company has decided to have less people working at night. So those who will no longer work at night, will no longer get the pay differential. It’s 10% – 15% of our base pay. Which equates to about $2,750 – $4,800 loss. I don’t think I can really afford it. We’ve already had a 2% paycut. I could end up lossing 12% – 17% of my pay. Yikes!! But at least I still have a job, for now.

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