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Payday Report for 4/5/19

April 5th, 2019 at 01:20 pm

I raised the grocery budget this week just because we are going down to the farm on Saturday and I will be buying ground beef and bacon. I may not have actually needed to do that as I won't be buying much meat this week otherwise, but if I don't spend it I will put it back in the checking account.

I also bumped the medical fund up to $500 as we had a bill come in that we were starting to think would never arrive. It was from October. I don't think I will need to repeat that next payday, though.

$327.36 Tithe
_400.00 Utilities
_500.00 Grocery Envelope
_500.00 Medical Fund
__75.00 Household Fund
_108.91 Internet
__36.00 Garbage Fund (every 2 month bill)
_100.00 Car Insurance Fund
__50.00 Car Maintenance Envelope
_100.00 Gas Money
_100.00 Blow Money Adults
_105.00 Allowances
_100.00 Clothing Envelope
_100.00 Computer Fund
_500.00 Monster Mom Loan Payment
-----------
3102.27 Total Money Out

Payday Report for 3-22-19 and 3-8-19

March 22nd, 2019 at 04:00 pm

I need to get back in the habit of doing these again. I had a little bit more money go out than was in the paycheck, but was in the checking account. The actual amount of pay for the two week period is $3274.62. It is quite a substantial raise.

$327.46 Tithe
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Envelope
_441.41 Automatic Payments
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Blow Money Adults
_800.00 Monster Mom Loan
__95.00 Allowances Kids
_100.00 Holiday Fund
_523.67 Citi Visa
-------------
3284.74 Total Money Out

So for the previous pay period the amount was 2687.71, but we also had the tax refund of $1349.00, so I combined those together for the budget and the total was $4036.71. I messed up the tithe by a couple of dollars but rectified that in the 3/22 budget.

$401.70 Tithe
_400.00 Utilities to Mom
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Envelope
_280.00 Chiropractor Family Plan
_108.91 Internet
__74.54 Garbage (We had extra pick ups and it's a 2 month bill)
_567.14 Car Insurance
__50.00 Car Maintenance Envelope
_100.00 Gas Money
__90.00 Allowance DS
_200.00 Clothing Envelope
_100.00 Laptop Fund
_500.00 Monster Mom Loan
-------------
4036.71 Total Money Out

And yes, I do save money each month for car insurance, but I just left that in savings, because it was easier to pay it out of the income tax refund than to wait three days for it transfer between banks. It can be part of the EF now.

East Coast Weather on the West Coast

February 4th, 2019 at 06:33 pm

We got hit by bitter weather yesterday. Several inches of snow fell and the temperature was 19 degrees. The wind made it worse. The roads might as well have been glass in the places where the sun doesn't really hit them. We had a problem on one hill where I had to stop for someone who ran a stop sign and then couldn't get my car to go forward. I had to back down the hill a bit and move over to get some traction. I did make it up. I couldn't really blame the guy who ran his stop sign as he did try to stop. He just slid through the intersection.

I didn't know how bad it actually was when we went out yesterday or I wouldn't have gone. But out we did go and we spent all of the money in the Clothing Envelope, plus $20 in the household envelope. DS was out of his body wash, which we have to get a special type since he's allergic to so much. The stores we usually buy it out have stopped carrying it, so we had to track down one who did. So we bought 5 bottles of that and then I took DS to Penney's and bought him two pairs of jeans and two pairs of slacks. They actually had pants there that were 29 inches long. He usually has to get 30, but that's a little long, so he was very happy.

DH had taken him to get new shoes the day before and we ordered new shoes for DD. So no more clothes buying until we can refill that Clothing Envelope. I had thought I needed new shoes, but it turns out when I bought the last pair it was buy one get one and so I'd stuck the second pair in my closet for the future. DH found them for me and it is such a difference on my feet.

Today the roads are bare and it is 27 degrees, but the wind is even worse. We had to go and buy a space heater for the rabbit shed as we had so many power failures last night (they lasted about a minute each, so maybe surges is a better word) that it fried the heater out there, even though it has a surge protector on it. It was an older heater anyway. We don't heat it very high, just the lowest setting, but it keeps their water bottles from freezing. Since I had run out of money in the Household Envelope, I took it out of the Personal Care Envelope. That's the money I'd set aside to get my hair cut, but I can go another month without. I might even go until spring, since the long hair is keeping my back warm.

After that we stopped at another store and got the special hand soap my son has to use, since he was nearly out of that as well. It's fun having a kid that is allergic to nearly ever skin product out there. /sarcasm We wanted to get him what he needed before we go to Seattle Wednesday night. Usually I have a stockpile, but I really let things run down when I was so sick.

Once we get back from Seattle, I will do a grocery shop, but it will not be a massive one. I'll get breakfast meats, but not any other kinds of meat. I have quite a large stockpile now that we need to go through and eat down before I buy any meat. I've done a two week meal plan based around what we have on hand, which I will post separately. I am hoping to keep the grocery budget to half this payday.

Payday Report for 12/28/18

December 30th, 2018 at 09:33 pm

$268.74 Tithe
_400.00 Grocery Envelope
__75.00 Household Envelope
_900.00 Dental Crown
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Blow Money Adults
_120.00 Allowances
_500.00 Monster Mom Loan Payment
-----------
2485.94 Total Money Out

Payday Report for 11/16/18 Plus Lots of Miscellany

November 16th, 2018 at 06:00 pm

Been a while since I felt well enough to do one of these, but things are improving with the rheumatoid arthritis this week after about three weeks in full inflamation mode and I am typing with relative ease again, which is why I've been posting this week at all.

We had some overtime this week, 10 hours. All of it went to DH's crown, because it turns out our dental insurance didn't cover any of it, even though it said it would when they did the preauthorization. DH is going to talk to HR at work, because the plan they say they have they don't. So that means we have to come up with another $700 or so out of pocket.

I was able to put $600 into the medical fund instead of the usual $400 this payday, but that means that all of that will have to go towards the crown. Fortunately with this deposit there is $961 in the medical fund. We won't have the breathing room I had hoped for, but we will be able to pay for the rest of the crown.

I have done the budget for December and I am including the extra paycheck for November 30th onto that budget and not the November budget, since it is paying for December things. So on 11/30 I can put $400 into the medical fund and on 12/14 I can put in $700, and on 12/28 I can put in $900.

DS has a sleep study on November 26th (at least if they don't reschedule again) and I am not sure how much that will cost us. The family deductible is $2000 and DD has met $1000 of it (her limit), and I know I have met some of it. I think maybe $500. I know DD has met her out of pocket max, but I think that has a per person as well as a per family, too.

So I don't know for sure whether or not we will have any money left for next year's deductible. That $1500 for the crown instead of $750 is blowing us out of the water. Plus DH wants to get new glasses. He's more than due. At least the vision is decent, but it'll still be around $200. He's getting cheap frames no matter what. Nothing fancy. He's already cost us too much medical money with that crown, even if half of it had been covered.

Here's what went out today:

$319.93 Tithe
_400.00 Grocery Envelope
_600.00 Medical Fund
__75.00 Household Envelope
_596.31 DH's Crown (plus additional from last payday)
__61.74 DH Life Insurance
__60.46 Me Life Insurance
_100.00 Blow Money Adults
_120.00 Allowances
_100.00 Clothing Envelope
_100.00 Christmas Envelope
_172.84 Computer Fund
----------------
3051.38 Total Money Out

DH purchased his new computer online today, so the computer fund is now wiped out. I'll start over in December, but I think at only at $50 a month. We were doing $100 because DH's was on it's last legs and it really felt like a race to the finish line on whether or not it would last until we had the money. His was five years old.

We all have newish computers now. Mine is the oldest at barely two years old and it is still in excellent shape, so there is no urgency to build the fund back up. Still, I want to have something going in there, and it is possible a phone could go and have to be replaced, though it is doubtful. I don't think any of them are a year old yet. Maybe mine. But it is serviceable. Who knows what the status of my computer will be in another year and having the money sitting there to replace it if it goes kaput is always the better option.

Payday Report for 10/5/18

October 5th, 2018 at 03:36 pm

I do have some money leftover after paying all the bills for this pay period, but I am going to try to hold onto it, because DD had to go to the ER last night for IV fluids. I may need it for medical expenses, since the Medical Fund, including what I am putting in today, is basically wiped out after DH's new crown. The 16th cannot come soon enough for DD. I just hope they find something and it is something that can be fixed during the procedures.

$268.72 Tithe
_500.00 October Utilities
_400.00 Grocery Envelope
_400.00 Medical Fund
__75.00 Household Envelope
_275.00 Monthly Chiropractor Family Plan
__91.91 Internet
__36.00 Garbage Envelope
__50.00 Car Maintenance Envelope
_100.00 Gas Money
_100.00 Car Insurance
_120.00 Allowances
-------------
2416.63 Total Money Out

Payday Report for 9/21/18

September 21st, 2018 at 02:22 pm

I did not go down to the last dollar this time. I have about $250 left in checking. There may be one more autopay yet to come through and then anything else I am holding on to for upcoming medical bills. DH was wrong about the last paycheck not having overtime on it. It had 10 hours. This one is a true representation of base pay with no OT and all of the various insurances and the 401K being taken out.

$268.77 Tithe
_400.00 Grocery Envelope
_400.00 Medical Fund
_100.00 Household Envelope
_352.30 Autopays
__56.83 Life Insurance DH
__45.30 Life Insurance Me
_100.00 Adults Blow Money
_120.00 Kid's Allowances
_100.00 Clothing Envelope
_100.00 Holiday Envelope
_100.00 Laptop Fund
---------
2232.31 Total Money Out

Payday Report for 9/7/18

September 7th, 2018 at 01:54 pm

This paycheck had the real numbers on it of what the base pay will be. No overtime. So after I get the next one I will know for sure how much income there is in a month. I am hoping they are splitting the insurances 50/50 and not taking it all out of one paycheck. If so, then we'll be bringing home more than I thought, but it still won't compare to all that overtime. Hopefully in October there will be OT again.

$319.93 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
_400.00 Medical Fund
_100.00 Household Envelope
__91.91 Internet
__36.00 Garbage
_100.00 Car Insurance Fund
__50.00 Car Maintenance Envelope
_100.00 Gas Money Envelope
_120.00 Allowances
_325.89 Credit Card
_500.00 Monster Mom Loan
---------
3318.73 Total Money Out

Grocery Spending Tracking

August 14th, 2018 at 02:19 pm

So I did my two week shop on Saturday and while I did forget a couple of items like string cheese and butter, I am going to try to make do. I do have cheddar stick cheese, which I don't like as much as mozzarella string cheese, but I still like it so I'll cope. We have 1.5 lbs of Kerrygold butter in the fridge for 10 days. I usually go through 1 lb of butter in a week, so it'll cut close, but I think I can make it. If worst comes to worst I can break out the unsalted butter for baking or open a jar of ghee.

I have enough milk to get through the period. The sell by date was out 6 weeks, so I just went ahead and got what I thought I'd use instead of waiting a week to buy more. I also bought extra bread and put it in the fridge. If I don't have to go to the store at all until the next payday on the 24th, I will be quite pleased.

I use a calculator as I shop, so I know exactly how much I will be spending. When you are using cash envelopes and trying to stick to a budget you don't want to end up over your amount because you have no clue how much the stuff you are putting in your cart costs.

Here is what I got at Winco:

2 bags of crispy chicken strips
2 bags of French fries
1 large plain yogurt
1 bag of shredded mozzarella cheese
2 packs of bacon
4 ears of corn
1 3 lb bag of yellow onions
4 nectarines
2 packs of granola bars
1 pack of hamburger buns
2 packs of hot dog buns
3 value packs of chicken thighs
3 value packs of chicken wings
Dill
4 bags of original goldfish crackers
Spinach
2 20 count bags of hamburger patties

I spent $189.74 there. Then we went to Trader Joe's and got:

Bell peppers
2 bags of roasted potatoes
2 boxes of fish nuggets
1 iceberg lettuce
4 packages hot dogs
2 bags of pita bread
2 red onions
1 bag of shredded cabbage
2 mac and cheese frozen dinners
3 bags fettucine alfredo
3 bags chicken fettucine alfredo

I spent $89.08 there. Next was Safeway where I bought:

4 boxes of organic spaghetti
2 boxes of organic penne pasta
1 18 count of organic eggs
1 turkey chub
1 package of sirloin steaks
Cherries

I spent $40.01 there. The last stop was at Haggen who did not have any of the London Broil that was on special available. We picked up:

2.5 lbs of deluxe deli ham
2 large strawberry yogurts (Winco was out)
4 bags of ice
1 birthday cake
4 half gallons Milk

I can't find the receipt for that one, but I have $21.17 left out of the $400 budget for the 2 week shop. So if I really have to I can go buy butter, but I am going to try to wait it out. We may have to pick up Gatorade at some point, also.

I did do up a two week meal plan and we are sticking to it. I should probably post that separately.

Payday Report for 8/10/18 -- First 2 Week Paycheck

August 10th, 2018 at 03:33 pm

$407.46 Tithe
_500.00 Utilities
_400.00 Groceries
_400.00 Medical
__75.00 Household
_275.00 Monthly Chiropractic Family Plan
__91.91 Internet
__50.00 Car Maintenance Fund
_100.00 Gas Money
_110.00 Allowances
_743.12 Credit Card
1000.00 Monster Mom Loan
-------------
$4172.48 Total Money Out