I live, write, and garden in the PNW with my husband of 28 years, disabled daughter, adult son, and my 84-year-old mother. We have paid off $250,000.00 worth of debt (if you include the interest) in the last fifteen years and as of 6/12/2020 are 100% DEBT FREE!!!!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
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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.
October 15th, 2022 at 05:31 am 1665808313
October 15th, 2022 at 08:17 am 1665818255
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October 16th, 2022 at 11:27 am 1665916037
https://www.marketwatch.com/press-release/terahertz-frequency-wand-device-helping-thousands-with-pain-and-health-issues-2022-09-09
October 16th, 2022 at 07:47 pm 1665946045