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Here a Budget, There a Budget, Everywhere a Budget, Budget

November 29th, 2022 at 04:22 am

I finished recording and in one case writing out a check (to Mom) for the November 11 budget and then closed out that budget and then I paid all the bills and attributed out the money for the November 25th budget and then closed it out as best as I could without actually being about to go the bank to take my cash draw.  But the important stuff has been done and it won't wreck anything in my finances or my life if the cash does not get taken out any time soon.

After I finished with that I set up my December 2020 Budget.  I thought I had done that, but no, I had not.  We should have hopefully dug ourselves out of our hole now, so that we can put $500 per paycheck into the medical fund this month.  I would like to do this for December and January and then drop it down to $500 every other paycheck until I have the medical fund where I want it and then we will stop contributing to it until I deem it necessary to do so again.

In January we will be able to start contributing to the EF again every month so long as we stick to the new 2023 budget.  We will be able to start contribting $500 a month to the beef fund.  Last time it was a total of close to $2000, so this time I plan to save $2500 due to inflation.  I will check in closer to butcher time, though, to see where things stand in case I need to save more.  I hope not.  That kind of defeats the purpose of buying in bulk, even for grass fed beef.

I need to set some money aside for house taxes and insurance, too and then go full bore on the EF and get it up to $30K, which is not where it was before, but is where I'd like it to be.  I've got a long row to hoe.

Payday Report as Promised 10/14/2022

October 15th, 2022 at 02:26 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.

Bits and Pieces

August 9th, 2022 at 06:58 am

I've finally updated my sidebar to reflect where everything is right now.  I subtracted the amount I pulled from the EF, which was $7000 and then added the amount retirement has raised, which was $5033.25.  It was so nice to see both retirement accounts gaining traction, although if Biden signs this new bill, I think they are going to plummet.  Anyway, that was a reduction of $1996.77, but I'm still pretty close to $150K.

I went to get x-rays.  The positions that they had to put me in about had me crying.  Turning my feet pigeon toed is the one that did me in, but none of them were comfortable and I couldn't use my cane because it was metal.  It about killed me to walk back from x-ray to my car.  It is a long walk for a medical facility because it is a sprawling building.  I had to sit in my car for about 5 minutes because I had to wait for the pain to get manageable before I trusted myself to drive.  When I got home my knee buckled badly on me, but I was able to catch myself on the seat of a chair before I fell.  Another fall right now would prove disasterous.  I went to the chiropracter and it helped some, but my hip is burning really badly.

I am not sure my green beans are going to make it.  They are getting sun scorched and some have died.  I am going to try to get a shade cloth over them, but I'm not sure if it is big enough for both arches.  The tomatoes love the weather, however.  I hate anything over 75°, but these 80° and higher days are killing me and most of the garden does not like that type of heat.  DH and I put up a shade cloth tonight and I did a really heavy watering, but I think I am going to have to replant the beans and hope for the best.  I've lost at least half of them to this sun.  I will also put up a drip hose, so I don't have to hand water.  They need daily watering right now.

I am eagerly awaiting next Friday so I will finally know what the new net paycheck and budget amount is going to be.  I hate waiting for things like this.  I'm not terribly good at waiting period, but with money things it is so much worse.

My doctor called in the wrong dosage on my prescription.  It should be 50 mg more.  I sent a message off on the patient portal, so hopefully I will hear from them tomorrow.  It can take a day or two, but it is better than waiting on hold for a half an hour.  I have enough for the time being to get through.

DH is going to go prawning one more time when they reopen for it sometime in the next two weeks.  The state fishers didn't get as much caught so far this year due to some boaters not being able to afford gas.  They plan to do some salmon fishing, too.  I don't know if the season is open yet, but as soon as it is they will go out for that.  Hopefully the two seasons coincide.

I saw that at the cheap gas station it was down to $3.95/gallon, which okay, fine, but it still sucks compared to before Biden started shutting down oil production and leases to try to force everyone to get electric cars, not realizing apparently that they burn fossil fuels to generate electricity for the charging stations.  They may run on solar somewhere, but definitely not where I live.  I mean, all the ones in my town have diesel generators running right there!  Not to mention the harm to the enviroment that mining lithium for the batteries causes.  Plus the supply of electric cars is low because they don't have batteries for them.  People need to be able to afford to drive and for too many people, electric cars are out of reach.

I do want to save up for a solar system, I really do, but they are so expensive and I won't take out debt to do it.  Before that we need to replace one bathtub that is cracked with a walk in shower and replace a half size walk in shower because it has holes in it and there is a leak in the wall.  And then the one bathroom floor needs to have a good section of it replaced before the one shower goes in, because it is kind of squidgey, so I think the leak got into the sub floor.

The mold remediation they did on the bathroom ceiling did not work and the paint is already peeling from the paint job.  They said they would come back and fix it, but they did not.  I kept saying I thought we should just take down the drywall on the ceiling and replace it with the mold resistant drywall, but no one wanted to do that and now it looks like we will have to do it anyway.  At least it isn't black mold, it is orange, but still I want no mold.  I am glad we have 4 bathrooms in this house.  Otherwise all this would be a nightmare and we'd have to drain our EF quickly to fix things.  We've already taken out $7000.  I don't want to deplete it further, but this house will not stop breaking down.

We are trying to figure out where a leak is coming from that is filling one corner of the basement with water.  It doesn't seem to be the piping and it doesn't seem to be the sewer line and we haven't been watering anything above that section of the basement.  It's a real stumper.  That's the corner with the drain in it, too.  Maybe the drain is backing up?  We might need to snake it.

I ordered more clothes.  I don't know if I mentioned it or not, but I got four pairs of jeans and four pairs of long-sleeved shirts.  I tried to make them mix and match with what I bought and the short-sleeved shirts I bought earlier.  I also bought 12 pairs of socks.  It took me forever to find some that don't have the brand name on the cuff.  I don't want neon orange brand names showing when I wear shorts, because they clash badly with what I own.  I just wanted plain white socks or ones that have the brand name hidden by the shoe.  I did finally find some at Fred Meyer.

DS and I have been cleaning out the closet so I can actually get in there and hang up my clothes again.  I am going to pack up a lot of the clothes that are in there and take them to storage, labelled by size, and then get rid of anything I don't want to keep, which is a lot.  I have several outfits I do like, but there are a lot I just don't like and didn't reallly like at the time I bought them, but needed clothes in my size.  This is before I found Woman Within online.  I look good in hot pink, but I had to buy things in pale pinks a lot and I don't like pale pinks and they wash me out.  Any pastels wash me out.

I figure with the new clothes I bought, I can keep a much smaller wardrobe where everything goes with everything else.  After the closet is done, I will be tackling the dresser.  I've got 3 drawers full of things that aren't even clothes.  I'd like to reclaim at least two of those.  The third one has stuff like old diaries of mine, baby books for the kids and me and DH, portrait photos of the kids and one of the whole family, our wedding album and wedding video and some scrapbooks I made back when I was in to scrapbooking.  Those are things I don't want to risk putting into storage.

I've been in a bit of a decluttering mode.  I shredded 4 paper grocery bags worth of paper.  I got behind again.  I said after the last time that that wouldn't happen, but alas it did.  I also need to go through all the cookbook magazines I have and tear out the pages I want to put in my binder and recycle the rest.  They are taking up a whole cubby that I could better use for something else.

I think my brain might be tipping into hypomania this week, but I will take advantage of it to get things done.  DS has promised not to let me bury myself and to make me eat at regular intervals and to not let me rabbit hole on youtube, so hopefully I will be okay until I level out.  Of course it just might be an uptick caused by taking a higher dosage of the medication.  I think I'd like that, because right now I feel motivated, and usually I don't.

All right, well I best get off to bed.  It's already eleven p.m. and staying up too late is getting to be a habit.

 

 

This and That

August 2nd, 2022 at 07:15 pm

DH's raise went into effect August 1st, which means the paycheck on August 19th will be the first one with the higher rate.  I was kind of hoping it would be the one this Friday, but didn't really think it would.  Now I just have to wait and see how much net we will get so I can update my budget template and then work up budgets for the rest of the year.  They will be subject to change, but just having a basic one built helps me plan.

Today the weather has cooled off substantially so I am canning chuck roast.  After I get off the computer I will have 14 jars going in to the big canner.  Then later today I will go to Fred Meyer and get 10 more chuck roasts and get them cut up tonight so I can do it again tomorrow.  I have to take advantage of the $3.99/lb sale.  They don't have a limit so if I get them prepared tonight and can them tomorrow, I can then go and get another round.  Then I will have 42 jars on the shelf and I'll wait until the next meat sale and do it again.  I want to have 102 jars of roast beef on the shelf.

I am hoping a decent sale comes up on chicken thighs.  I can skin and debone myself, and then can it up.  I only want 52 jars of chicken on the shelf.  And then I need to think about canning up some of the ground beef we have left from our steer.  There is a ton of it still and we need to make room for our hog, because the butcher said it will be a few weeks, but I don't really know what a few means.  I am only getting half a hog, since it took so long and they got really big, so now a half is like a whole if I'd gotten it two and a half months ago.  It cost $753.  I will still have to pay the cut and wrap fee, which is $0.75 per pound, I think.  It might be per package of meat.  Well, they'll tell me when they are done, but I have budgeted about $300 for it.  It might be more, but I can pull from savings.

Once I see how much space I have left in the freezer, I can decide what I want to do about beef, since we are pretty much down to hamburger and a few roasts, ribs, and soup bones.  No steaks are left.  I may get a half if there is room, or just stock up on a lot of chicken and buy some steaks and roasts as we need them.  They just won't be grass fed, probably.  Plus, DH's friend's boat is fixed, so they will be fishing soon for salmon.  There is some seafood we need to start eating up so there will be room for that, too.

Not much going on in the financial aspect at the moment.  Not until payday anyway.  Still waiting on the appeal for DD on the insurance front, but preparing for having her to go on COBRA, getting all the paperwork to be submitted and it go smoothly into that as soon as possible.  Then we will schedule her MRI of her liver.  It is just a follow up from the surgery where they removed the tumor.  They want to make sure it isn't growing again and that her liver has regenerated.  She's been having some pain in that region again off and on, so hopefully it hasn't started to come back.  I would appreciate prayers for that.

My husband, kids, and I all filled out our ballets last night for the primary.  We went over the voter's book with them over the last week and we all agreed on who we wanted to vote for.  DH is dropping them off at the courthouse drop box after work today.  I hope it makes a difference and other people in the state are as fed up as we are, even Seattle.  King County likes to screw over everyone else and they usually have the population to do it, but a lot of people fled Seattle over the past three years due to rioting, so we might have a chance to get some sensible people in this year.  As sensible as a politician can manage, anyway.

 

Ugh--Gas! And Planned Purchases

May 31st, 2022 at 11:54 pm

I can't believe gas is at $5.89 a gallon.  I think I may have to increase our gas budget again.  I'd already doubled it from $100 per month to $200 per month, but now may need to go up to $250.  Even if we don't end up needing it for the cars, DH will start fishing soon and need to pay for his portion of the gas for the boat.  They try to take as many people out as the boat allows, so the gas costs can be split between more people.  That's more important than ever now.

I also need to add a fishing license cost into the next budget I make up, which reminds me, I need to do a budget for June.  I like to be prepared in advance, and usually I would have done this after filling in the budget for the first paycheck of May.  But it has been a busy, busy month and I didn't get around to it.

My Fitbit is acting up.  It has been for a couple of months now, usually after I go in the pool and submerge it, but also the last couple of times I've showered with it on.  It's one made for swimming, but it is also several years old so maybe the water is starting to leak in.  At first it was only freezing it on the clock for a couple of days afterwards while it dried out, but now it isn't giving me even that.  I can still check my steps on my phone, so that part is working, but I use it as a watch just as much as a step counter, because it is a pain to pull out my phone to see the time.  Plus the text messages I get show up on the Fitbit. Or did.  I've tried to reboot it several times, and at first it worked, but now it is a no go.

So now I need to price out new Fitbits and see how much it will cost to replace it with one that can go in the water.  I also need to get a new memory card for the new used camera.  I have $100 in my allowance folder, and can share the memory card out of my handheld back and forth for now, but that is a pain long-term.  I gave one of the kids my old memory card for their game machine when the old camera went belly-up.  I need the new Fitbit first, I think, but it depends on how long it will cost for me to save up for it.  I have no idea what they run now.  The last one was $100 and I doubt they have nothing in that price range these days.

At least my phone is in good working order.  Knock on wood.

Payday Report

April 2nd, 2022 at 10:51 pm

This paycheck had a lot of OT on it and my AdSense payment.  This is also a three paycheck month and things are a bit different than usual.  This will be the second paycheck with the higher grocery budget, which went nicely last time with $37 left over to go into the meat fund.  I doubled the medical fund contribution for this check since DH is getting a crown done this month.  We are also helping my mom with property tax, so that came out of this payday as well.  As a reminder, I run a zero dollar based budget, where every single dollar is assigned a job.

$413.51 Tithe

_500.00 Utilities

_500.00 Grocery Envelope

1000.00 Medical Fund

__75.00 Household Envelope

__17.15 Box of Checks (a rare purchase these days)

_122.23 Internet

__70.00 Garbage Temp Fund

_167.00 Car Insurance Temp Fund

_100.00 Car Maintenance Envelope

__50.00 DH Spending Money

__50.00 My Spending Money

__60.00 DS Allowance

__30.00 DD Stipend

_310.00 Monthly Chiropractor Family Plan

_420.24 Citi

_250.00 Mom's Property Tax

-------------------

4135.13 Total Money Out

Payday Report for 2/18/2022

February 19th, 2022 at 01:27 am

Well, we can start right off with saying that my no eating out for February has been an absymal failure.  I just cannot seem to stay well.  I'll get a day or two where I think I'm on the upswing and then I'm right back down again, exhausted and back in bed and unable to do anything about cooking meals at all.  DH does a couple a week right now, but he's up to his eyeballs in overtime, so otherwise it's takeout as no one is well except DH and he's dragging.  It's a good thing he can work from home.  so takeout it's been.

I just want to be well so that I can cook my own food again.  So that is why the Citi card is so high again.  It feels out of control, but we still pay it off in full every month.  It kind of makes me sick all on its own, because it is so high.  But some of that was birthday stuff that is being reimbursed by MIL, since it was for what she got me.  Then she gives us $120 a month for takeout because that is how much she spends on DH's sister and husband each month.

I just added that in and then I figured out when exactly the long term care insurance started coming out of the account and it wasn't until the first of the year, even though I'd been deducting it from checking since June when it was supposed to start coming out, so I put that money back as available to use.  Then there was a refund from last year's HSA of $1.43, so those amounts added up to  $662.40.

I added that to the budget, but the tithe will only reflect the amount of the actual paycheck, which I don't think had any overtime on it, but will have to check with DH for sure.  The next one definitely will.  This one would have but he kept having to take time off to run us to doctor's appointments or be sick himself for a couple of days.  Anyway, as a reminder I run a $0 based budget, where every penny is assigned a job.  Here is what I spent.

$301.63 Tithe

_400.00 Grocery Envelope

_500.00 Medical Fund

__75.00 Household Envelope

_100.00 Gas Money Envelope

_1974.06 Citi

__78.82 Life Insurance DH

__60.46 Life Insurance Me

___0.00 Spending Money Envelope DH (he already spent it in January)

__50.00 Spending Money Envelope Me

__60.00 Allowance DS

__30.00 Stipend DD

------------------

3678.68 Total Money Out

 

Payday Report

February 5th, 2022 at 11:15 pm

There was a ton of overtime this payday.  I think DH said he worked 19 hours, so there's a lot more money than usual.  We had an out of the norm expense with mom asking us to help her pay for home owner's insurance.  I'll create a sinking fund for next year, of $34 a month, so it won't be a surprise unless it goes up. 

We spent far too much money last month on take out due to the flu hitting us hard.  As a result we are doing a no eating out challenge for February.  We really need to cut out using that Citi card so much.  Next payday will also have a sizeable payment to them.  DH doesn't get any spending money this payday or next as he made a $100 purchase on the Citi card.

As a reminder, I use a $0 based budget, meaning every dollar has an assignment, so here's how things went down for this paycheck.

$415.03 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

_500.00 Medical Fund

__75.00 Household

_122.23 Internet

__70.00 Garbage

_167.00 Car Insurance Sinking Fund

__50.00 My Spending Money

___0.00 DH Spending Money

__60.00 DS Allowance

__30.00 DD Stipend

_400.00 House Insurance

_310.49 Emergency Fund

_950.54 Citi

_100.00 Gift Fund

-------------------

$4,150.29 Total Money Out

Payday Report for 1/21/22

January 22nd, 2022 at 04:06 am

DH had some overtime on this paycheck, so I still don't know what a normal paycheck is with the new rate.  And since he will get overtime on the next paycheck as well, I don't now when we'll know.  Hopefully the overtime will help us pull ahead and we will be very careful with our spending.

We also had a FSA reimbursement check for last year come through, so that is added in.  There will be some more of those coming, upwards of $500.  I went ahead and dumped that into the medical fund.  I also had $7.68 sitting in checking that I had meant to send to the EF last payday and forgot to do so that went with the rest of the payment to the EF.

$353.35 Tithe

_400.00 Grocery Envelope

_619.00 Medical Fund

__75.00 Household Envelope

_100.00 Car Maintenance

_800.00 Citi

_310.00 Monthly Chiropractor Family Plan

__78.82 Life Insurance DH

__60.46 Life Insurance Me

__48.71 Long Term Care Insurance

__50.00 DH Spending Money

__50.00 My Spending Money

_528.46 Emergency Fund

_100.00 Gift Fund

__56.21 DS Allowance

__30.00 DD Stipend

 

Payday Report for 1/7/22

January 8th, 2022 at 03:07 am

As a reminder, I run a zero based budget, which means every dollar is accounted for within the budget.  Garbage is higher than the usual because we put out two extra cans in December.

DS does not get an allowance this payday, because he still owes me money from not having quite enough money from everyone to buy the one thing he wanted, so I loaned it to him.  DS will get some allowance next payday, but I am not sure if it will be the full amount.  I've got the number written down.  DD's amount is slightly less than $30 because she still owed me a bit for the same reason.  Her normal allowance will resume next payday.

I have started the Gift Fund up again as we have one birthday in February (mine) and two in March (DS and MIL).  I will continue it through until we have enough for the August birthdays (DH and DD) and Christmas.  Below is the actual budget.

$352.57 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

_500.00 Medical Fund

__75.00 Household Envelope

_769.09 Citi

_118.18 Comcast

__70.00 Garbage Fund

_167.00 Car Insurance Fund

__50.00 DH Allowance

__50.00 My Allowance

__28.51 DD's Allowance

_100.00 Gift Fund

_345.29 Emergency Fund

---------------

$3525.74 Total Money Out

Payday Report for 12/10/2021

December 12th, 2021 at 04:46 am

As per usual reminder, I run a zero based budget, which means I assign every single penny of each paycheck a function.  While I do keep a cushion in my account I act like it doesn't exist.  For this payday, neither kid gets an allowance as they borrowed against it to add to all of their combined Christmas money from various sources so they could buy one expensive item each while it was on sale on Cyber Monday.

Additionally, I added an extra $50 in gas money this week, when we usually only do $100 on the second payday of each month.  This is to make up for various upcoming trips to MIL's house for Christmas and to help decorate her place with lights and a couple of trips to storage to get our own lawn ornaments and lights out.

Otherwise it is business as usual.  Except I finally had some money to put in the Emegency Fund in the triple digits.

$277.28 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

_500.00 Medical Fund

__75.00 Household Envelope

_310.00 Monthly Family Chriropractic Plan

_118.18 Internet

__45.00 Garbage Fund

_167.00 Car Insurance Fund

__50.00 Spending Money DH

__50.00 Spending Money Me

__50.00 Gas Money (Extra)

_230.30 Emergency Fund

---------------

2772.76 Total Money Out

Payday Report for 11/26/2021

November 30th, 2021 at 02:45 am

As a reminder I run a zero based budget, meaning every dollar from every paycheck is accounted for.  I do keep a $1000 cushion in the checking account in case mistakes are made along the way, but so far there haven't been any since I switched to budgeting this way.

There are no allowances for the kids until sometime in January as they wanted things that were over the Christmas budget we set for them.  But we did allow them both advances on their allowances so they'd have something to open on Christmas and could take advantage of cyber sales.  I still haven't figured out what DH and I are getting for Christmas, but we get $100 each.

$277.27 Tithe

_400.00 Grocery Envelope

__75.00 Household Envelope

_100.00 Gas Money

1532.49 Citi

__78.82 Life Insurance DH

__60.46 Life Insurance Me

__48.71 Long Term Care Insurance (State requirement)

__50.00 Spending Money DH

__50.00 Spending Money Me

_100.00 Car Maintenance Envelope

---------------------

$2772.75 Total Money Out

We also had an expenses reimbursement check for $494.19 from when DH flew up to Alaska that we finally got this week.  Should have had it ages ago, but DH kept forgetting to put in for it.  We put that on the Citi card as well and had $23.69 left to put in the Emergency Fund.

The Citi card is paid off in full and I am well enough now and recovered enough from my fall to be cooking again, so we won't be charging it up so badly from now on, at least so long as I stay on this healing path.

Payday Report for 11/12/21

November 13th, 2021 at 11:16 pm

The actual amount set aside for car insurance money each month is $167, but I had $36.00 in savings set aside for garbage since garbage is a bill that comes due every 2 months.  Instead of transferring $167 into savings and then $36 out, I just put $131 in and used the $36 that was then already in savings towards the car insurance fund.

I have changed the amount of money I am setting aside every month to $45.  Garbage collection has gone up.  Not as much it appears, but when nephew moved out he left a lot of garbage behind.  We had to get set out cans every week for a month instead of every 2 weeks.  We ended up bagging up 4 more bags of it and taking it to his new apartment so he can throw it in the dumpster.  I shouldn't have to pay extra for his trash when he has a way of disposing of it that is included in his rent.

At least it won't happen again since he is gone.  But without extra cans the bill is now in the $82 range instead of the $72 range due to the rise.  So I am putting aside $45 a month so I will have $90 with a little extra as buffer in case we do an extra can for our own as sometimes happens.  Extra cans are $12 plus additional taxes.  We only tend to have an extra can once in a 2 month cycle.  The room nephew lived in is still a mess and he left a lot of his clothes in the closet that he will need to come and clean out.  My sister did not raise a man, she raised an irresponsible little boy, who doens't clean, doesn't cook, and doesn't know how to get by in life. 

My sister always figured he'd have a wife for that, but I don't know too many women in this day and age who are interested in playing Mommy to a grown man.  I guess that is the difference in generations though.  My sister, well, both my sisters are so much older than me they are boomers, and I am generation X.  And my middle sister definitely has that women do everything mentality, cook, clean, bank, and work, while the men rest and relax in their off hours.  Only nephew only had off hours while living here.

Anyway, that went off on a tangent.  Here is the payday report.  Remember I operate on a zero based budget where every dollar is allocated for.

$277.26 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

_500.00 Medical Fund

__75.00 Household Envelope

_310.00 Monthly Family Chiropractic Plan

_118.18 Internet

_107.68 Garbage (Every 2 months

_131.00 Car Insurance Fund

__50.00 DH Spending Money

__50.00 My Spending Money

__60.00 DS's Allowance

__30.00 DD's Allowance

_163.51 Citi

-------------------------

$2772.63 Total Money Out

The actual amount set aside for car insurance money each month is $167, but I had $36.00 in savings set aside for it since garbage is a bill that comes due every 2 months.  Instead of transferring $167 into savings and then $36 out, I just put $131 in and used the $36 that was then already in checking.

I have changed the amount of money I am setting aside every month to $45.  Garbage collection has gone up.  Not as much it appears, but when nephew moved out he left a lot of garbage behind.  We had to get set out cans every week for a month instead of every 2 weeks.  We ended up bagging up more of it and taking it to his new apartment so he can throw it in the dumpster.  I shouldn't have to pay extra for his trash.  At least it won't happen again since he is gone.  But it is now in the $82 range instead of the $72 range due to the rise.  So I am putting aside $45 a month so I will have $90 with a little extra as buffer in case we do an extra can for our own as sometimes happens.  Extra cans are $12 plus additional taxes.

Payday Report for 10/29/2021

October 30th, 2021 at 10:30 pm

Today was a three payday month, so it was higher than usual as they don't take medical and life insurance out of that when that happens.  Also I got my Google/AdSense payment of $111.50, so I added that in as well.  The Citi card is paid off in full now.  It's always paid off monthly, but we had a hefty balance the last two months.  When I think of how much money we spent on eating out it makes me a little sick, but then I was a lot sick, so it was kind of a necessary evil.  Thankfully it was just one meal a day, daily, but for 4 adults, 2.5 of which are gluten free, that adds up fast.

$277.22 Tithe

_400.00 Grocery Envelope

__75.00 Household Envelope

__78.82 DH Life Insurance

__60.46 My Life Insurance

__48.71 Long Term Care Insurance

__30.00 Allowance DD

__45.00 Allowance DS

2244.88 Citi

--------------------

$3260.09 Total Money Out

 

 

 

Payday Report for 10/15/2021

October 18th, 2021 at 12:24 am

As a reminder, I run a zero based budget, which means that every penny of the paycheck has a home.  I don't run a zero-based checking acount, however.  I have an $800 cushion in there, I just pretend it isn't there.  This week neither DD or I have spending money budgeted for because we both made game purchases.  The same will be true for next payday.  We did both have the money saved for it, but couldn't make it to the credit union at the time we charged them, due to illness and DH being too busy with work to run there during open hours.  I decided it would be easier to charge it and then just pay it back over the next two paychecks.  No interest will incur.

As for the Citi card, we are still paying back some of the paycheck and then most of the adjustable bed frame we bought for DD.  So no EF contributions this week.  I also cut the household envelope as I have enough money in there for now and the same with the car maintenance envelope as there is over $1000 in there.  That money went to the Citi card as well.  We are still paying off that month of take out, but due to the closing period we've paid off the card for that time period without interest.  Some of the next paycheck will go towards that, too.  I will be working on the next billing cycle early, but I just want it gone again.  As of this week I am functionally able to cook again with some help with the fetch and carry of ingredients.  It is never good when the main cook goes down as you can see from how much we've been paying Citi because of it.

$277.33 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

_100.00 Gas Money Envelope

__50.00 DH Spending Money

__30.00 DS Allowance

1415.95 Citi Card (Adjustable Bed Frame for DD, plus takeout)

----------------------------

2773.28 Total Money Out

Payday Report for 10/1/2021 and Long Update

October 2nd, 2021 at 04:39 am

$277.23 Tithe

_132.00 Grocery Envelope

_310.00 Monthly Family Chiropractic Plan

_118.18 Internet

__36.00 Garbage Fund

_167.00 Car Insurance Fund

__50.00 DH's Spending Money

__50.00 My Spending Money

__30.00 DS's Spending Money

1601.98 Citi

---------------

2772.39

We had a lot of money in the grocery envelope still from last payday, mostly because DH keeps forgetting to grab it before he goes to the store and uses the credit card again, so I just made up the difference of what I usually put in there and put the rest of this payday's grocery budget towards the Citi card.  DD doesn't get spending money this payday or next because I didn't make it over to the credit union today so I let her use the credit card to make her planned purchase and to pay me back she just won't get any until the 29th.

Since DD's new adjustable full size bed frame was charged, and she needed it for medical reasons, the $500 I usually put towards medical each payday also went to the Citi card, since we charged that.  Next payday's will, too.  I also put the household money towards it, since I still have money in the household fund to meet needs in that category and we have enough toilet paper, shampoo, soap, dish soap, dishwasher soap, and laundry detergent for about two months.

The monthly family chiropractic plan went up by $30 a month.  It has been five years since he has raised that, so it was not unexpected, especially since he warned me a few months ago it would be, he just wasn't sure at the time by how much.  Internet has gone up by a penny the last few times, so I finally adjusted the budget template to take that into account.

We still have quite a bit left on the credit card, but we have paid more than the amount we needed to not have interest charged and it will be paid off by the end of this month, also before any interest is charged.  It's just been such a rough month with me not being able to cook, but today we ate leftovers and I am trying again to cook tomorrow.  My sacral illiac joint has finally decided to stay in place, so a lot of the excruciating pain has subsided.

I still have no stamina from having Covid again, and I hope the exhaustion I had the first time lifts sooner this time than last time.  Every day is a little better, but no day is really good yet.  I have to wonder how much worse it might have been if I hadn't been vaccinated.  And had antibodies of my own.  Even though I can go out in public now, I don't think I could make it through a grocery trip yet.  So I just keep sending DH for necessities and we keep getting take out.

Tomorrow I will try something easy, though, which is pot roast and baked potatoes in the Instant Pot and green beans in the microwave.  That is very little hands on time, other than seasoning the roast, washing the potatoes, and adding butter and salt to the green beans.

DH did buy me salad ingredients and the missing ingredients I needed to make Italian dressing, too.  So tonight I will try to get the lettuce cut up, the carrots peeled and sliced, the radishes sliced, the red onion sliced, the red bell pepper sliced, and the cucumbers peeled and sliced.  The cheese is already shredded and so is the chicken and I have cherry tomatoes from the garden that are washed.  I did manage to put a chicken in the Instant Pot last night to make broth, but DH had to add the filtered water since carrying that much from the filter in the laundry room was still too much for me.  Anyway, then I can easily throw a salad together.  I'll make the dressing tomorrow.  I think it is just trying to do it all in one go, which will be bad for me.

But I have to stop getting take out, not just for financial reasons.  I've put on fifteen pounds since I got really, really sick in late July.  It makes everything hurt so much more.  And the soda I've been drinking to get some caffeine to counter the exhaustion also has been bad.  So real, homemade food, and healthier food is a must now.  I've just got to pull it together and force myself to do this.

DD had her ultrasound today and the results also came back today through the patient portal.  I am surprised how fast they are sometimes there.  She does not have a hernia or a limpoma or hematoma or a surface tumor, so no one really knows why there is a big round lump pushing her skin out there.  One other possibility is there might be a tumor  too deep for the ultrasound pushing it forward, but that should have showed up on her liver MRI in the beginning of August if that were the case, I would think, unless it was too far away, but considering where her liver tumor was located, I don't think it is.  I'm not sure what the next step will be.  We won't hear from the gastro place until next week some time when they review it.  But the technician confirmed that she could see the bulge and it wasn't just our imagination.  Or it could have just grown since that MRI in the last two months, which it definitely has, but what the heck is it?

I did get some good news, though.  A disabled child can stay on DH's insurance after age 26, so we need to fill out some paperwork and so does her main doctor, but since she has all of the things, she'll qualify.  That is such a major relief.  She doesn't turn 26 until August of next year, but it has been something I have been worrying about for the last couple of years as diagnosis after diagnosis has come in.  We will start the ball rolling to see if she can get on disability, too.  That will help in paying the medical bills that aren't covered by insurance and give her a small income, too, so she doesn't have to rely on us for every little thing she needs.

She has at least 3 things that will qualify her for that, possibly five, but the secondary adreanal insufficiency is the big one that alone should qualify her for it.  It's really just a matter of filling out the paperwork, being automatically denied, appealing once or twice, and then she should be able to get it.  She's way worse off than the BIL who is on disability is, he only has the same disc issue she has, and none of the diseases.

The insurance was the real issue for us.  Disability would just be nice for her.  It would be enough to set aside for the electric wheelchair she will likely need in the next couple of years.  Not sure how we'll transport it, though.  Not sure we could afford a used wheelchair van.  But that's a worry for future me to deal with.

Preliminary Budget for the $10,000

October 2nd, 2021 at 03:36 am

I'm not sure when we will be getting the $10K from MIL, but it will be before the end of the year and this is what I've come up on.

$3000 Medical/Braces

$3000 Emergency Fund

$2000 Adjustable King Size Bed Frame

$_200 DD

$_200 DS

$_600 Vacation Fund

$1000 Household Replacement Items

As for items that need to be replaced in the household, DH and I both need new desk chairs and possibly DS does, too.  DD just had hers replaced not that long ago and it is still in really good condition.  Then the other thing I'd like to replace is our kitchen sink faucet.  I want a taller faucet that rises much further above the sink, maybe even with the pull down sprayer.  If there is any money left after that I'd like to also get a new shower head/sprayer.  I'd like something with more flexible tubing on the sprayer.  But that can come out of regular household money if necessary.

Payday Report for 9/20/2021

September 23rd, 2021 at 07:57 pm

$281.04 Tithe

_325.00 Groceries Envelope

_500.00 Medical Fund

__75.00 Household Envelope

1181.34 Citi

_100.00 Gas Money

__78.82 Life Insurance DH

__60.46 Life Insurance Me

__48.71 Long Term Care Insurance

__50.00 DH Spending Money

__50.00 Me Spending Money

__30.00 DD Allowance

__30.00 DS Allowance

------------------

2810.37 Total Money Out

I run a zero based budget, so that brings the paycheck down to $0.00 left.

Additional Bills that were paid out of short term sinking funds, were the 6 month car insurance bill at $965.00 and the 2 month garbage bill at $86.79.  I set money aside monthly for these things in savings and then pay them when they come due.  It allows me to easily pay for bills that are irregular instead of monthly without having to worry about it at all.

I will be glad when the garden season is over and the last of the yard waste can go to the green dump for composting, as we've had that on top of regular carbage can fees each month as well.  It's $12 for a dump load of green waste, which isn't bad if you fill the whole truck, which we do.  I usually compost most things, but not tree trimmings, rose bush trimmings, or tomato and potato plants, which can carry blight.  So while I haven't budgeted monthly for green waste, I did drop some money into a sinking fund early last spring to deal with it.  We can probably do two more dump loads and then it will be gone.  So I may or may not have to budget more.

I did have to raise the amount I was setting aside for car insurance in the budget template.  I had saved $900 and their was an additional $65.  I had guesstimated how much more it would cost with DS as a licensed driver and was a little short because he is not getting the student discount this time as he is not a student right now.  Once he buys his car, he will pay for his own insurance (or the difference in ours) and we can go back to only paying $600 every six months.  Anyway, I am now saving $167 a month instead of 150 going forward.

Payday Report for 9/3/2021

September 9th, 2021 at 04:12 am

I continue to save money to the medical fund at a rapid rate.  I need to save enough for orthodontia, plus enough for next year's medical deductible and out of pocket max.

I owed DS $9.59 because he picked stuff up from the store where he works for me, so I just added that to how much he got for his allowance.  He has $57.04 left to complete his $1000 emergency fund, so that will be met with his next paycheck.  At that point his allowance will drop from $60 every two weeks to $30 every two weeks, which is what we give his sister.  That will occur on our next payday, since he gets paid weekly.

I wanted to allow him to have spending money so he could put all his wages that didn't go to tithe or IRA, but since that is over, and he isn't doing as much around the house with his job, he can get the minimal amount we give DD, who is incapable of doing much due to her disabilities.  When he goes to full time that allowance will be gone completely.  He will be saving up for a car next and after that he will start saving for school.  He want to be an electrician.

Anyway, here's the payday report.  Every dollar is accounted for as we run a zero based budget.

$277.27 Tithe

_500.00 Utilities

_200.00 Groceries Envelope

_500.00 Medical Fund

__75.00 Household Envelope

_118.18 Internet

__36.00 Garbage

_150.00 Car Insurance Fund

_716.73 Citi

__50.00 DH spending money

__50.00 My spending money

__65.59 DS Allowance plus money owed him

__30.00 DD Allowance

--------------------------

2772.77 Total Money Out

Payday Report for 8/6/2021 Back to Accountability

August 7th, 2021 at 02:19 am

In addition to it being payday we had a tiny dividend check for 51¢ and a check from MIL for $120.00, so I just added that in to the budget.  I used part of it for a new envelope system and part for a small EF deposit.  Hopefully they will actually send me the red envelope system that I ordered this time.  My son will be taking the green one they mistakenly sent if they actually send me the red one, otherwise I am going to have to try to deal with their customer service, which I would rather avoid.  I hate dealing with online customer service.  Anyway, here's what went out today:

$277.23 Tithe

_500.00 Utilities

_200.00 Grocery Envelope

_500.00 Medical Fund

__75.00 Household Envelope

_118.18 Internet

__36.00 Garbage Fund (paid every 2 months)

_150.00 Car Insurance Fund

_100.00 Gas Money

__50.00 DH Blow Money

__50.00 My Blow Money

__90.00 Kids' Allowances

__87.92 Emergency Fund

_625.93 Citi

__32.56 Red Envelope System

I usually do $400 a month for groceries, but since DH could only go to the store with me yesterday I charged the shop to the Citi card and the left the other $200 that would have gone to the grocery fund to go to the Citi payment today.  We should be able to have a little more to add to the emergency fund this month if we keep our take out issue under control.  There is currently $477.22 left on the Citi card and some of the autopays have yet to be charged.  We will bring that down to zero by month's end.  I never carry a balance, but if we don't stop this, it could happen and I never want it to happen again.  It may not be much, but I didn't think I'd be able to add anything to the EF this week so I'm glad I could.

Next month I think I will increase the grocery budget to $500 like I talked about.  It may not be necessary with DD's dietary issues, but I want that cushion if it is.

 

 

 

Payday Report for 6/11/21

June 18th, 2021 at 01:37 am

I'm almost a week late in getting this up, but I've been kind of lax about it, so figured I'd go back to it.  There was quite a bit of overtime on DH's paycheck.

$383.50 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

__500.00 Medical Fund

__75.00 Household Envelope

_118.17 Internet

_280.00 Monthly Family Chiropractic Plan

__36.00 Garbage

_150.00 Car Insurance Fund

_100.00 Gas Money Envelope

_100.00 Adults' Spending Money

_120.00 Kids' Allowances

_142.00 Hog Fund

_800.30 Citi

--------------------

3834.97 Total Money Out

Payday Report for 5/14/21

May 14th, 2021 at 06:58 pm

$285.83 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

_300.00 Medical Fund

_100.00 Household Envelope

_118.17 Internet

_280.00 Monthly Chiropractic Family Plan

__65.90 Garbage

_150.00 Car Insurance

_300.00 Gas Money

_100.00 Spending Money for Adults

135.00 Allowances for Kids

_116.93 Citi

-----------------------

2851.83 Total Money Out

Money Money Money (and Medical)

March 13th, 2021 at 01:46 am

Our income tax refund of $809 was deposited into our account on Wednesday and I just checked and our stimulus payment is pending for next Wednesday.  We got the full amount for us and our dependents of $5600.  That's $6409 to work with.  This is what I am planning.

$641.00 10% donation to the local Christian Homeless Shelter

1350.00 Handicapped Ramp Fund

1000.00 Vacation Fund

_500.00 Meat Fund

_500.00 Miscellaneous Fun

2000.00 Emergency Fund

--------------------

$5991.00 Total

That will leave us with $418.00.  I am not sure DH will get all of his hours in this week.  They are having a cyber security issue that isn't allowing anyone to work online.  He is doing what he can and saving it to his hard drive, but there is a lot of sending around of drawings for checks that can't happen if you can't send them around or can't even send them in to the office to be printed out because of this.  So I will be holding on to that money in case the paycheck is short.

This will finish off the Handicapped Ramp Fund so we will be able to order one for the front door.  Our share is $1750.  This one is twice as much as almost triple the amount of the back door because it will go down the frong of the house from the steps, then there will be a platform for a turnaround and it will go all the way back the length of the first ramp to the ground and end in front of the steps.  It's a lot of money, but these ramps don't have to be maintained like wood ramps do.  It mostly just needs to be swept periodically and pressure washed a couple times a year since it is aluminum.  Wooden ones will rot out on the pilings after five to ten years, so those would have to be replaced frequently) and would require staining or repainting every few years.

It will nice to have a good bump in the Emergency Fund and to pay for a little vacation for DH and me to get away to the cottage by the sea we've gone to twice now.  He will be taking several days off in April.  Part of them will be spent getting the garden up and going and then we will go away for a few days.

MIL is talking about taking us on a family vacation by the water as well.  It probably wouldn't be until September or October, after the summer is done, but still nice enough out to cook on the BBQ and walk on the beach.  And soak in the outdoor hot tub.

DD wants a web cam.  She is the only one who doesn't have one, so we are going to pick her up a cheap one.  She starts online therapy next week, so this way she can do it in her own room instead of mine and with my laptop.  Her brother was just diagnosed with ADHD and we think she has it, too.  But it is a process.  First counseling, then a psychologist, and then the psychiatrist who can prescribe meds.

I also think I might have it.  Girls and women present differently than boys and men do, but as I was filling out all the forms during DS's drug trial I felt like I had a lot of the same issues.  Each week we had to fill out a sheet based on symptoms during a four week trial of adderall.  Except it was a blind study so two weeks were placebo, one week was 5 mg and one week was 10 mg.  He had to fill out his own forms based on his opinion and I had to do one based on mine.  Every time I filled it out, I was thinking I really have a lot of this stuff, too.  I always thought it was the fibro fog and the last brain injury, but now I have to wonder.

So once we DD gets through all this, I am going to talk to my doctor about it.  I've been thinking I might be needing anti-depressants again for a while.  I haven't needed them for about 15 years and never needed them for more than a year at time, but I kind of feel maybe I do.  Or maybe it is just fibro.  But I'd like to see about it, you know?  Because it is not normal to want to stay in bed and sleep all the time, even with fibromyalgia and rheumatoid arthritis.

 

 

 

 

Payday Report for 2/5/21

February 6th, 2021 at 06:21 am

It hasn't been too bad getting used to less money coming in.  We are definitely being more disciplined with the budget and still not eating out, but we have adapted okay to having 15% taken out for retirement instead of 5%.  I honestly thought it would be harder than this, especially with so much more coming out for medical this year.

$271.23 Tithe

_500.00 Utilities

_300.00 Grocery Envelope

_100.00 Beef Fund

_300.00 Medical Fund

__75.00 Household Envelope

_118.17 Internet

__36.00 Garbage

_150.00 Car Insurance Fund

_100.00 Spending Money Adults

__90.00 Allowances Kids

_100.00 Clothing Envelope

_100.00 Gift/Christmas Envelope

_400.00 Handicapped Ramp Fund

__71.96 Emergency Fund

-----------------

2712.36 Total Money Out

Payday Report for 1/22/2021

January 22nd, 2021 at 08:55 pm

I did get my Google/AdSense payment this week so I added that into the regular budget.  10% of that went to the tithe and the rest to the Emergency Fund.  I did buy some garden stuff with the Citi card, but the rest of that was monthly charges for Amazon Prime, Netflix, Hulu, Sirius Satellite for the van (that includes the up to date GPS information), and Ting (our cell phone service).

I know I'm not meant to be using that card for anything but the subscriptions, but I did.  And I'll be transparent about it, because that is what this blog is about.  The seed catalogues online are selling out already and I didn't want to wait until today.  I'm glad I didn't, or I would have missed out on the onion plant variety I wanted, the thornless blackberry plants, and multiple varieties of seeds that are very hard to get.  As of today they were sold out. I checked.  I have made all of my seed orders now.  I will still have to order the seed potatoes I want, but if I miss out on those I'll just get some locally of a different variety.  The shipping will get you on the seed potatoes, because 25 pounds is heavy to ship, so I probably won't order those until next payday, but on my debit card this time.

$281.47 Tithe

_400.00 Grocery Envelope

__75.00 Household Envelope

_556.56 Autopays/Citi

__71.99 Life Insurance--DH

__60.46 Life Insruance--Me

_300.00 Taxes Fund

_100.00 Spending Money--Adults

__90.00 Allowances--Kids

_479.25 Emergency Fund

_100.00 Car Maintenance Envelope

-------------------------

2814.73 Total Money Out

Change of Plans

January 10th, 2021 at 02:38 am

What is that old expression about making plans and then God laughing at them?  Well, my plans for 2021 just got thrown for a loop.  Not completely, and it is something we can cash flow through March for, but it means only putting $195 a month into the Emergency Fund.  For the first time ever we will be owing taxes.

It isn't an exact amount just yet, and won't be until DH gets his W-2, but with the numbers we do have, he estimated we will need to pay $2304 in taxes.  It might vary.  That means saving $768 a month for the next three months.  The only place to take that money from was what we planned to put into the Emergency Fund.

If I want to hit our goal of six month's expenses by the end of the year, that means I will need to save $1018.55 a month from April through December.  What I had budgeted for was $950 a month before all this.  So that is a shortfall of $68.55 a month or $616.95 total.  We might be able to make up for that on 3 paycheck months where medical would not be taken out so the checks are bigger.  There is one in April and one in October this year.  I would know how much it would be by April to know if it was enough in October to make up that difference.  If not, I'll just have to find the money somewhere.

I'm not sure what our tax situation will be for 2021.  We will be almost maxing out our 401K which one would think would lower our taxes by quite a lot.  We only did 5% in 2020 and are doing 15% this year, which is $17,160.  The max is $17,500 for 2021, although since we are over 50 we could do the catch up rate of $19,500.  But we're not, at least not this year.  Once we have our six month's expenses saved, the plan for 2022 is to max out to the catch up rate if we can.

I don't know if they will eliminate that tax cut Trump put in or not, but if they do that will affect everything, too, so until we see what they will do in Congress, it is kind of tilting at windmills to even try to think about taxes for 2021.  Of course, that drives my planner's mind crazy.  I am going forward assuming it will be eliminated, though.

I guess if we do have to pay taxes in 2021, we will probably be fine just doing what we are doing this time, altering the budget to cashflow the taxes.

You know what?  I am so grateful we have no debt.  So, so grateful.  This would have made me so upset a year ago, but now we can just absorb it.  Yes, it makes me annoyed, I don't like change, but not "Oh, my gosh, what are we going to do?" freaked out.  I knew exactly what we could do and how to manage it without even blinking.  That peace of mind, after so many years under the burden of debt, is priceless.

I don't know if I mentioned here about my little grand niece, but she was in the ICU at Children's for a couple of days, then one day out of the ICU and today she got to go home, but she's still not great, just not life-threatening anymore.  There is something wrong with her blood sugar, like she's not absorbing enough sugar or something and it just got so bad because she stopped drinking for a day and got dehydrated.  They had genetic testing done, but won't get that back for a week or so.  Meanwhile they gave my nephew and his wife some sugar paste that absorbs directly into her gums if she won't drink enough juice to keep it up.  They haven't mentioned diabetes at all, so I don't think that is the issue.  Hopefully they will get it figured out soon.

Payday Report for 12/24/20

December 24th, 2020 at 10:07 pm

$318.46 Tithe

_400.00 Grocery Envelope

_300.00 Medical Envelope

_100.00 Household Envelope

_375.00 Emergency Fund

__71.99 Life Insurance DH

__60.46 Life Insurance Me

_100.00 Spending Money Adults

1276.93 Citi

_100.00 Car Maintenance Envelope

_120.00 Allowance Kids

----------------------

$3222.84 Total Money Out

I had $50 left from the previous payday that I added to the $325 I had planned from this paycheck to the EF.  After this payday the Citi card will go into retirement except for the auto pays on there, Netflix, Hulu, and Ting (cell phone plan).  It is coming out of my wallet and will stay out of my wallet.  We always pay it off each month, but we are just using it too darn much.

Payday Report for 12/11/20

December 13th, 2020 at 04:40 am

$318.58 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

_300.00 Medical Fund

_280.00 Chriopractor Monthly Family Plan

_115.17 Internet

__36.00 Garbage

_150.00 Car Insurance

_100.00 Gas Money

_100.00 Spending Money Adults

_120.00 Allowances

_200.00 Gift Fund

_200.00 Clothing Fund

_450.00 Citi

-----------------------

3169.75 Total Money Out

 

 

Payday Report for 11/13/2020

November 14th, 2020 at 01:42 am

Sorry, the column line breaks are going to be obnoxious on this one since there is no way to take them out.  The website is annoying me to no end today, especially since they have somehow disabled my AdSense on here and didn't care to respond to me when I asked them about it.  I bring in a lot of traffic to this site, look at my hit count, and now I'm not even getting my tiny fraction of ad revenue from it.  I really want a viable alternative to here, but I hate the idea of having to build my base up all over again from scratch.  I've built it since 2006 and I've worked pretty hard at it.

$318.49 Tithe

_500.00 Utilities

_400.00 Grocery Envelope

_300.00 Medical Fund

__75.00 Household Envelope

_115.17 Internet

__82.82 Garbage

_200.00 Car Insurance Fund (Includes catch up amount)

_261.50 Car Insurance (Policy change with third driver)

_100.00 Spending Money Adults

_120.00 Allowances Kids

_200.00 Christmas/Gift Fund

_100.00 Clothing Fund

_436.00 Emergency Fund

--------------

$3172.98 Total Money Out

Payday Report for 10/30/2020

October 30th, 2020 at 07:12 pm

I got my Google AdSense payment this week and that, along with it being a third paycheck month for DH, brought our income around $300 higher this pay period.  Citi is so high because DS owes me some money for an order he made, which he will pay me later, but I wanted to pay it off before the due date hit so no interest.  When he pays me back I will put that money into the Emergency Fund.  Another reason Citi was so high was we got a lot of takeout due to my being sick.  Nearly every day for 2 weeks.  Ouch.  But I believe in tracking honestly so there you go.

 

$352.44 Tithe

_400.00 Grocery Envelope

__75.00 Household Envelope

__71.99 DH Life Insurance

__60.46 Me Life Insurance

_100.00 Adult Spending Money

_120.00 Kid Spending Money

_100.00 Gas Money

2203.29 Citi

----------------

3483.18 Total Money Out


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