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Payday Report for 5/17/19

May 17th, 2019 at 12:42 pm

We had an additional $220 from MIL that we added into the budget for this two week pay cycle. It was reimbursement stuff so wasn't added into the tithe. But it does throw the numbers off a little bit, so I had to make a note of it on my budget spreadsheet. I always try to do that when this sort of thing comes up.

$327.36 Tithe
_400.00 Grocery Envelope
_300.00 Medical Fund
__75.00 Household Envelope
1000.00 Citi (Autopays and a lot of crap we shouldn't have bought last month)
__61.74 Life Insurance DH
__60.46 Life Insurance Me
__50.00 Blow Money Adults
1000.00 Monster Mom Loan Payment
_120.00 Allowaces Kids
_125.75 License plate tabs for the van
---------
3520.31 Total Money Out

Payday Report for 5/3/19

May 4th, 2019 at 03:02 pm

$327.36 Tithe
_400.00 Utilities
_400.00 Grocery Envelope
_500.00 Medical Fund
__75.00 Household Envelope
_280.00 Monthly Family Chiropractic Plan
_108.91 Internet
__36.00 Garbage Fund
_100.00 Car Insurance Fund
__50.00 Car Maintenance Envelope
_100.00 Gas Money
_100.00 Blow Money Adults
_120.00 Allowances Kids
_200.00 Clothing Envelope
__81.00 Truck License Tabs
_395.00 Credit Card
---------------
3273.27 Total Money Out

This, That, and the Other Thing

May 1st, 2019 at 03:19 pm

I spent some time working out the May budget today. May is a three paycheck month for us, so I had to sort out how much extra there is going to be and where it goes. We have licensing tabs coming due on both vehicles one on May 25th and one on June 4th, so both of those have to come out of the May budget.

I hate that both vehicles come due at the same time. If we had bought the truck instead of inheriting it, I'd have made sure we purchased it at least two months off. I know I could plan for this better, but I always forget to, knowing we can absorb the costs. It just means that there won't be any money to the Holiday Fund or the Laptop Fund this month. That $200 is going for tabs, plus a few dollars more.

Most of that extra is going to pay a credit card bill so we don't have any interest. We had to make a lot of purchases in April and also made some purchases we didn't have to make (getting takeout a lot due to exhaustion on my part) and had some unexpected medical bills come in that I charged.

We shouldn't be getting anymore for our daughter so I think something may have crossed in the mail with when she hit her out of pocket max and when it was actually credited. We've had this happen before. We are trying to track that down and see if this most recent bill can be resubmitted to insurance. If not, that'll be about $1100 out of the emergency fund.

If I have to take it out of the EF then I will cut back on debt repayment to get that money replaced, but I will still pay at least $1000 a month on debt repayment while we do that. It should only take a month to replenish the EF that way.

I will still be able to pay off $1200 in loan debt to Mom this month.

Like Amber, I am going to try for a no eating out month. I've got my meal plan set for the week and I made it with some easier meals for the weekend when we do the most garden and yard work and I tend to get wiped out. Besides, I lose weight better when we are not eating take out.

Speaking of weight loss, I was able to get into 2 pairs of Capri pants that are a smaller size then what I am currently in. I can sit down in them, but it makes them a little tight around the belly, so I need to lose another inch or two off that to want to do more than walk around in them. I am hoping by the end of May when the really hot weather is here that they will fit comfortably.

I have several other pairs of Capris, shorts, and jeans that are the same size as well and I am almost down a t-shirt size and when I am, I will be able to wear several of the shirts hanging in my closet. If this keeps up I will have a fairly nice summer wardrobe available to me at no expense.

I need to go find my sewing machine in storage. I've got some mending to do on some seams and it is too much to hand sew. The one seam unraveled in a foot of fabric and I have a sundress with a slit that goes to mid-thigh that I'd like to sew up. With the wind we have, it can get embarrassing to wear that dress outside. It has a loose enough skirt that goes down to near my ankles, so sewing it up won't impede my walking at all.

My limit these days is sewing on new buttons, replacing bra hooks or eyes, and repairing one to two inch rips in clothes. My hands don't really handle more with the RA. It is worst in my hands for fiddly work, although they are somewhat better with the Enbrel.

Payday Report for 4/19/19

April 19th, 2019 at 07:40 pm

$327.36 Tithe
_400.00 Grocery Envelope
_400.00 Medical Fund
__75.00 Household Envelope
_441.41 Autopays (Citi)
_721.87 Additional Medical (Citi)
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Blow Money Adults
_500.00 Monster Mom Loan
__70.00 Allowances Kids
----------
3157.84 Total Money Out

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.

Figuring Out the New Budget

March 22nd, 2019 at 01:55 am

The paycheck hit the account early. Usually it isn't in there until eight a.m. So I went ahead and did the budget for the end of March (and what I didn't do out of last time's paycheck because I was sick) and then closed out the budget for the month. After that, since this paycheck did have the new amount with the raise on it, I changed my budget template to account for the increased money and then I set up the April budget.

So it looks like we will have $1177.54 more in each paycheck. Now some of that will go to increasing the tithe amount to keep it at 10%, but the rest is all going to be thrown at the monster mom loan. If we are careful, I should be able to make payments of $700 the first payday of each month and $1300 the second payday of each month. At least barring any unforeseen circumstances.

I would have actually been able to make a $1000 payment this time, but I doubled the clothing budget as DH ripped out yet another pair of pants. He does this by getting down on one knee and then stretching forward to pick something up. I tell him not to do it, but he keeps doing it. And it always rips outside the seam so it can't be repaired. So he needs to get a couple of pairs of pants, DD needs a new cardigan (she gets called so easily even when it is warm out), I need a new cardigan and possibly a couple t-shirts. I need to go through my closet to be sure, but I think I need at least two.

I paid off the credit card (which I do monthly), but it was high this time because of all the take out while I was super ill. So if not for that I would have been able to make a $1300 loan payment this payday.

I am feeling a lot better. I still have a runny nose and a cough, but I have been able to sit up all day for 2 days running, and I was able to make dinner three days in a row now, so there should not be anymore take out, except for the weekly meal that MIL pays for if we choose to have it.

I am still not super hungry. The flu really killed my appetite. I've lost 17.4 pounds total since the 6th. Not on purpose, but I'll take it. I am up to one meal and one snack a day, but will try to get up to one meal and two snacks tomorrow. But eating is still a chore. But I really need to make sure I am eating at least 1200 calories.

I went grocery shopping today. Just one store and I used up the rest of last payday's grocery budget. I will do more shopping tomorrow with the new grocery budget. I figured it would be easier on me to just do one store today and one store tomorrow, than try to do two or more stores in one day. I don't have the stamina for it. I did make it through the shopping without having to use my inhaler, so I've vastly improved since the last shopping trip.

So at Haggen I spent $192.43 and bought:

Aspargus
Green cabbage
Scarlet carrots
Daikon
Red grapes
Oranges
Green bell pepper
Red bell pepper
Strawberries
2 beef chuck roasts
3 family sized packages of sirloin steaks
1 pork shoulder roast
1 package chorizo sausage
1 sliced ham chub
1 sliced turkey chub
Popcorn
1 loaf of Naked bread
1 package of Naked hamburger buns
4 jars of Classico Alfredo sauce
4 jars of Miracle Whip

The last two items were on super good sales, but you had to buy 4 to get the sale price. That's okay, though. The MW will last us until the next big sale and at $2.99 it was half price. The Alfredo sauce I use at least twice a month for Chicken Fettucine Alfredo and at least twice a month for the kids' pizzas (DD can't eat tomato sauce anymore). I make them a chicken parmesan bacon pizza with Alfredo sauce. It's honestly just like the one from Pizza Hut only no tomatoes. The kids say it is actually better. Probably because I cook my crust to crispy, unlike PH.

I still have to make up a meal plan for next week. I will be making pizzas tomorrow, burgers and jo-jos on Saturday, and pot roast on Sunday. I'll work on next week's meal plan after I've finished all the grocery shopping.

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.