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Payday Report for 1/10/20

January 10th, 2020 at 09:35 am

So the new paycheck amount with the FSA money being taken out of it is $105 and some change, but the difference in paycheck amount is $87 and change because more being taken out pretax affected it post tax. That's not bad at all. We did get the FSA debit card thing sorted out. It was because it was Walgreens and they have sell other things, so we had to make sure it was run as a pharmacy purchase. Anyway, I've done up all the bills already since I could see the pending paycheck amount. I have a bit of money to transfer to saving tomorrow, but other than that the bills and budget are done and the yearly budget is done. Here's the where it all went:

$318.63 Tithe
_500.00 Utilities
_400.00 Grocery Envelope
_100.00 Household Envelope
_280.00 Chiropractor
_111.08 Internet (gotta do something about this!)
__36.00 Garbage
_100.00 Car Insurance Fund
_100.00 Gas Money
_100.00 Blow Money (Adults)
_120.00 Allowances (Kids)
1000.00 Monster Mom Loan
------------
3165.71 Total Money Out

Slowly Getting Better, Some Budget, Some Medical, Some Planning, Some Rambling

January 7th, 2020 at 09:56 am

I am still exhausted, but DS and I had enough stamina to get dishes done today. We got 4 loads done. Everyone was sick for the past week, even DH, though no one as bad as me. I took it in fits and starts, though. It is the first productive thing I have done, besides make dinner, in a while. Tomorrow I will try to tackle laundry. There are at least 3 loads of towels to fold (DH did manage that much) and I need to put away the pile of clean clothes on my bed. I am done with the prednisone but I never got the energy rush of the previous times. That's a bummer because I have been only getting a few hours of sleep due to it. It would have been better to be productive, but Oh well. I just have 4 days left on the antibiotics. I hope that kicks it.

DD has been off wheat for 6 days now and continues to improve. DS's acne is clearing up. Neither one is having stomach issues at all and DD has not felt the constant nausea she's had for the past couple years, either. Can it really be so simple that this was what made her digest so slowly and painfully and bloat to a rock hard stomach? She doesn't have celiac at all, they tested for it, but obviously she does have an issue with wheat, otherwise stopping it would not have been so positive for her. If this is all it takes to stay out of the ER and stop spending so much of our medical budget on it, that's a miracle in itself.

Speaking of medical, it's weird to start having to spend for it again. We maxed out in July, I think it was, and everything had been free since. I know a few months of DD's physical therapy, which she starts on Wednesday will eat up a large portion of the deductible. Our HSA card is not working as they said it would. They said we could start using it on January 1st, up to the full amount of the yearly draw, but when DH tried to use it for 2 prescriptions, less than $25 total, but it didn't go through. He's going to try to get that sorted out tomorrow. We may just end up submitting everything each month, which will be a pain, but whatever.

Once I see what the exact new amount is of the Friday's paycheck on Thursday (things will change a bit due to the HSA withdrawals), I can complete my 2020 budget template and my January budget. They are pretty much the same, I will just be adjusting a bit. I think it is around $113, but it will also affect that amount of tax taken out, so I've got it roughly, just not perfectly. I prepared that part before Christmas, I think.

Tomorrow I will catch up the Medical Fund savings account by entering it all into the spreadsheet. I've let is slide, just making sure there was a hefty balance on the things we did buy, mostly OTC meds. Nowhere near the balance of nearly $2000 (haven't transferred the other $2000 in there, still in the online account), but now I have to reconcile the account. Which is fine.

DH and I really need to get on the ball to figure out our 25th Wedding Anniversary getaway. I was too tired to look at places, but it's mid-March, so maybe tomorrow. He has done some preliminary looking. All I really know is I want to be near a view of the water.

I also want DH to take me out to dinner for my 50th birthday mid-February. It will be a week after my mother's shoulder surgery so the kids will stay home to take care of her. I want a good ribeye or prime rib, a sweet potato, and either mixed veggies or their salad. Not their broccoli, they don't cook it long enough, and no bread. I don't want to have to cook myself so we will just go to Outback one county over.

I need to try to get myself to the library tomorrow. I haven't had a book since before Christmas, not that I could focus for long, but it has still been driving me crazy. I was so out of focus, I could not even concentrate on a movie plot. Watched a lot of mindless stuff, like Say Yes to the Dress, I Didn't Know I was Pregnant, and Paternity Court on Youtube. Yesterday, I was finally able to switch to documentaries and a movie (action adventure, so straight-forward plot).

Monster Loan Down to 4 Digits

December 28th, 2019 at 02:07 am

$10,500.00 Balance Forward
-_1,500.00 Payment Made
----------------
$_9,000.00 New Balance

If I pay $1500 a month going forward, this will be paid off in June. If only $1000 it will be paid off in September. If I can manage $2000 it would be paid off in May. And the real stretch would be if we could pay $2500 a month it would be paid off in April.

Now all of these are technically possible, since I had budgeted $1000 a month to the medical fund that we will no longer need to be contributing to (at least through June) due to MIL's gift. But $2500 would be with no money going to eating out or fun. $2000 would be more doable unless I decide to beef up the EF a little bit. The other option is to raise our 401K contribution to 7% and see how that shakes out. I might also open a spousal Roth IRA. In addition, I might bump the food budget up $200 a month so we can have more organic meat choices again. We will see.

As I plot the budget for 2020 these are all things I am thinking about. Also my payoff months might also be affected by by how much of a tax refund we get. Regardless of my choice here, after it does get paid off the 401K will definitely be bumped up to 7% and possibly 10%.

Payday Report for 11/29/19

December 2nd, 2019 at 06:55 am

$346.83 Tithe
_400.00 Grocery Envelope
_500.00 Medical Fund
__75.00 Household Fund
__61.74 Life Insurance DH
__60.46 Life Insurance Me
_100.00 Gas Money
_100.00 Adults Blow Money
_120.00 Kids Allowances
_700.00 Christmas Fund
1000.00 Monster Mom Loan
--------------
3464.03 Total Money Out

Payday Report 11/15/19

November 15th, 2019 at 11:23 pm

Okay, so I am going back to doing my payday reports. I was thinking I didn't really need to be accountable anymore, but we have spent so much on eating out the past couple of months that I think I was just fooling myself or fooling you guys, I don't know. It's more I didn't want to be accountable than that I didn't need to, so I'm back at it. I have a couple hundred dollars in checking so that is why the total amount listed below does not match with the 10% tithe if anyone is doing the math. I still have most of that to carry over for next payday, too, if I don't spend it on something stupid.

$327.28 Tithe
_400.00 Grocery Envelope
_400.00 Medical Fund
__75.00 Household Envelope
_600.00 Automatic Payments (4 phones, Hulu, Netflix, Storage)
_280.00 Monthly Chiropractic Family Plan
_100.00 Blow Money Adults
_120.00 Kids' Allowances
_566.97 Citi
--------------
3369.65 Total Money Out

Payday Report for 4/5/19

April 5th, 2019 at 08:20 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 11:00 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 08:55 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 31st, 2018 at 05:33 am

$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