Home > Payday Report as Promised 10/14/2022

Payday Report as Promised 10/14/2022

October 15th, 2022 at 01:26 am

Sometimes putting the budget spending up is a proud moment and other times it makes me feel naked and this is the second, but I need to get the accountability back and show just how much we have been spending on the credit card.  I haven't actually made the payment on that yet, because Citi is being wonky.  I can sign in.  I can even make it to the next page, but when I click on make a payment it just turns in to an endless circle.

I waited ten minutes.  I logged out and tried again.  I logged out and waited an hour and tried again.  I logged  out and waited two hours and tried again.  Still nothing.  I'll try again tonight or tomorrow, but the amount of the payment will be listed below.  Hopefully they will have their act together.  We don't have a Citi branch closer than a 90 mile drive away, so it's not like I can just pop in and pay it, either.  It's not due until the 3rd, but I just like to do things when I have the money to do things.

Remember that I run a zero based budget.  Every dollar, every cent has a name.  So every paycheck is spent in full.  I have a cushion in checking of $900 in case something goes horribly wrong and since I bank with a credit union they will automatically transfer money from my savings account (I keep $2000 of the EF in there) if for some reason that were not enough for a fee of $1.    You have to love credit unions.

I've never had either thing happen since 2010 and that was because I transferred the wrong amount of money to my online savings account when I meant to pay a credit card with the same name as that bank, and couldn't get it back in time to cover an automatic payment, and didn't realize it until I got the notice that they'd transferred money from the savings that was with my checking.  Back then they didn't even charge the $1 fee, though.  Now if you don't have the money to cover it at all, they give you 10 days to get the money in the acount and charge a $13 fee.  Still better than what a bank will do.  I've never had that happen at all.

Anyway, here's the spending for this pay cycle.

$358.40 Tithe

$500.00 October Utilities

$500.00 Groceries

$200.00 Medical Fund

$310.00 Chiropactor Monthly Family Plan

$_70.00 Garbage

$167.00 Car Insurance Fund

$_50.00 DH Spending Money

$_50.00  My Spending Money

$_30.00 DD's Allowance

$_90.00 DS's Allowance

1258.62 Citi


3584.02 Total Money Out

DD has a smaller allowance because she is disabled and seldom does chores.  It is more of a pity allowance so she had more money to spend.  DS earns his with a lot of caregiving for DD and doing chores and helping me with my limitations due to RA, fibromyalgia, and degenerative disc disease.

5 Responses to “Payday Report as Promised 10/14/2022”

  1. mumof2 Says:

    Have you ever looked into a terahertz wand they are a bit expensive but have been working well with my hubbys and mine illnesses...his hands get so bad he can't move them but with the wand he is doing so much better....this might be something you can look into for you and your daughter....believe me it has been amazing and well worth a look....can't wait to medbeds get over here to can get them over there but not over here...

  2. LuckyRobin Says:

    I've vaguely heard something about those somewhere. Actually it was probably on your blog post as I think you've mentioned them before. Or it might have been my MIL as she's been doing some things with an osteopathic chiropractor that are a little more out there that seem to be working for her. Sometimes out there things really work for pain, though. I'll look into it, especially since I have stopped using one of my RA meds because of it's side effects of giving me respiratory infections and making me sick basically since I went on it.

  3. Wink Says:

    I also find that posting my monthly spending/savings updates here helps me with accountability. I also hope that it might help others to see that it is possible to live happily on a budget, even a small one like mine.

  4. mumof2 Says:

    Luckyrobin...yes look into it ithas been helping us and we have only been using it a few days and we already feel the difference..maybe look at this article

  5. rob62521 Says:

    It's good to keep that cushion in case things get messed up by accident. You do a fine job on your budget. I am not as organized as you and every dollar isn't accounted for when we have some left over.

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