Archive for Money

Site Update

My site was brought down temporarily for a few links that were displayed. I guess the WordPress Gods don’t like certain types of content. I have rectified the situation and removed the content. Hopefully, everything will be fine now. I’ve also updated my side bar with new “My Savings” and “My Debt” information. My Emergency fund had a set-back sometime ago and I’ve just now managed to get it back over my original $1,000 goal. I’ve also started a Car Insurance/Maintenance fund so I can pay my car insurance all at once, which should give me a small discount, rather than paying it monthly. I also plan to first use my cash back credit card to pay for the insurance, and then pay the card off right away so I can get the rewards.

My debt climbed up higher than it was. Mostly due to the fact that my dogs all needed their updated shots and Heartguard and flea/tick medicine. That stuff is very expensive. I think from now on I will get the medicines over the internet through 1-800-PetMeds or another site like it.

It’s been raining here the last few days. I like rain, but can only stand so much of it. Hopefully this weekend will end up drying out. No big plans for now. Father’s Day is on Sunday. I haven’t gotten my dad anything yet. I’m a bad planner when it comes to Father’s Day. My dad always says he doesn’t want or need anything. But no worries, I will come up with something. I hope all of you have a great weekend. If you’re a dad, Happy Father’s Day in advance!!

TGIF!!!

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Weekend Update

My holiday weekend started, for the most part, last Thursday. My mother had surgery so I was out of the office all day. It was just a routine surgery and she should recover just fine, but was in a lot of pain. She had an overnight stay and got out on Friday afternoon. Everyone else had to work on Friday, and knowing that my office has been slow and unpaid time off has been very regular, I went to work for one hour on Friday morning and ended up with the rest of the day off. So I was the one who waited in the hospital for the dr. to release mom.

Saturday I was supposed to go to a wedding 3 hours from home, but because mom was in so much pain, I decided to forgo the wedding and spend the day at home. I did go to visit my cousins’ house on Sunday and go out to lunch with them. My cousin’s daughter is ADORABLE!!! I love her. They’re expecting another baby in August. My other cousin works for in the same financial field that I do, so she works for my competitor. She says she is always busy at work and they are offering overtime. This makes me wonder if maybe I should change companies? I’m not fully vested in my 401k or my pension yet, so I don’t really want to leave. But if I can work for a competitor and be busy and get paid overtime, that would be very beneficial. However, if I were to leave for this other company, I would have to move 2 hours from my parents and would have to start paying rent somewhere. This seems counterproductive to me. Why move to make more money, when I’d just be shelling out said money for rent? Doesn’t make much sense in the long run, but I do eventually want to move to “The Big City” again and have more opportunities.

Monday, I ran a few errands with my mom and then did practically nothing. Lazy I know, but if felt good.

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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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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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$300 Spent Before 11AM

It wasn’t even 11am and I had already spent $300. On what you ask? Groceries, electronics, clothes? No – the Vet. I spent $300 on a visit to the vet’s office. 2 of my dog’s (B and D), needed to be seen and it was time for them to get Heartguard pills and Frontline for flea treatment. D is so big now that he has to take 2 heart pills instead of one. Which means that I’m actually paying for 3 different “sizes” of pills. Why does D have to be an enormous dog? Seeing him as a puppy, I couldn’t have dreamed how big he would become. He weights 121 pounds!! That’s crazy. If he sprawls out on the bed, he takes up half of it! If he get any bigger, he’ll need his own darn bed! I love my dogs, but had I known what it all would cost, I don’t know if I would have had 2 big dogs and 1 little dog. Don’t get me wrong I love my doggies, more than my own life at times, but dang talk about expensive.

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Update

Sorry I’ve been gone so long. I was sick for about a week and a half. Then the market started getting crazy again so we’ve been busy at work. I haven’t had a lot of time to post. Right now I’m really wishing I had the money to take a week off of work and fly to Vancouver, Canada. Why you may ask? Well the most gorgeous guy in the world, Robert Pattinson, is in Vancouver right now getting ready to shoot the sequel to Twilight called New Moon.  Oh how I wish I could just charge a trip on my credit card and just take off!!! But the responsible, frugal girl in me keeps reminding me that even if I did meet Robert Pattinson and had the time of my life, I’d still be stuck with a huge bill at the end of the month and not enough money to pay it off. Ah!! Why can’t I ever win? *insert extremely sad face here*

Oh well. Maybe I’ll get a chance to meet him somewhere else. Why can’t any good movies ever be filmed in the Midwest?

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February Spending

Here’s how I did for the month:

Auto Insurance – 389.00 (for 6 months)

Auto Loan – 306.12

Cell Phone – 132.43  (Family Plan w/my brother)

Debt – 692.00

Dining out – 54.68

Dogs – 39.69

Entertainment – 75.34

Fuel – 30.00

Grocery – 9.50

State Taxes – 61.00

Student Loans – 272.28

Utilities – 341.83

No Spend Days – 11, Total for the year = 15

No Drive Days – 3, Total for the year = 5

Brought Lunch to Work – 16 out of 16 days, Total for the year = 35 out of 35 days

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