Today was my 'last payday' from my old job. The check included 4 days of work and my unused TOP payoff. No insurance/401k was taken out, so I wasn't sure how much I'd net.
Luckily, the next is 2x what a normal base check from them was. So that would cover our budget for today 6/8 and 6/24! I start the new job 6/18 and its paid every other Friday, but I don't which Friday is a payday yet.
We hope not to use any savings to cover income while transitioning between the jobs, especially since being in the hospital lost my first job and now I am unemployed for 3 weeks.
Then mid-June, I will get my severance, which we are hoping to bank!
Viewing the 'Budgeting' Category
Today was my 'last payday' from my old job. The check included 4 days of work and my unused TOP payoff. No insurance/401k was taken out, so I wasn't sure how much I'd net.
It’s insane how much we have been spending for a family of 2 adults & 1 child for household, diapers and groceries. So far this month, we have spent $432.18. We have roughly $70 left in the budget for January. This spending doesn’t include pet supplies.
Yesterday, I did a LOT of stocking up – we had eaten down our freezer stash in December. So we needed to stock up on meats, fruits & veggies, diapers and basics.
I am meal planning my booty off. With a 2 year old who demands dinner the second we walk into the door on a work night, I use meals I made & froze or easy meals during the week. So that is what I am concentrating on. These meals will take us well into February.
This weekend, I am making lots of meals for the freezer. We will also grill some chicken for snacks/lunches for the week (we are doing Weight Watchers & trying to eat healthier).
I plan on making Korean Spicy Pork Loin Saturday night. Leftovers will also be frozen and I am going to try to make a healthy 2 ingredient bread recipe – I am going to make garlic sticks and pizza crust. Wish me luck!
Once all of this is cooked – we will have a freezer full of:
3 Family meal servings of meatloaf muffins
2 Family meal servings of Taco Meat
2 Family meal servings of Sloppy Joe
2 Family meal servings of honey sesame chicken
2 Family meal servings of barbecue chicken
1 Family meal serving of Korean Spicy Pork
4 Family meal servings of Potstickers (premade frozen)
1 Family meal serving of fajita chicken
2 Family meal servings of Turkey meatballs
On days I work remote, I cook a hot meal – so that will be when I do a balsamic honey pork chop and some pretzel crusted Dijon chicken. We also have turkey meatballs in the freezer (precooked) and will use that with pasta one night.
Each week, I will meal plan out of what we have to work with, and there will always be room to switch things around.
Sat 1/20: Korean Spicy Pork Loin (leftovers will go in the freezer), brown rice & veggies
Sun 1/21: Beef taco salad
Mon 1/22: Fajita Chicken & peppers
Tues 1/23: (husband’s late night): Fend for yourself – (ends up being potstickers a lot of the time)
Wed 1/24: Turkey Meatballs & pasta
Thurs 1/25: Balsamic Pork Chops
Fri 1/26: Sloppy Joe & pasta
It's been a while since I've posted - been super busy these last few months. We moved in July, finally got a renter into our townhouse last week, I am working OT, but not as much as before, been sick off & on and generally been living a lot.
We have had a LOT of social obligations. Never dull for me!
-My daughter turned One this month. We had a little party that my mom paid to be in a restaurant (she HAD to do my nieces and didn't want to be seen as favoring my sister's kids - that was her choice).
-Last weekend, I was at a bachelorette party.
-This weekend, my husband is going to the bachelor party.
-In September, we are attending a housewarming for friends (child friendly event)
-In September, we are attending a friend's house party (kid friendly)
-In October, we have 3 weddings - 2 out of state
We also are waiting for the rental income to come in. We have a renter, but are also using a property management company. Because of the renter starting mid-month and the PM fees, we won't see a full month's rental income coming to us until the middle of October, which will go to the 11/1 mortgage payment.
I have lots of cashflowing/savings goals -
-cashflowing budget deficit
-cashflowing wedding events/gifts/travel
-save 1 month Rental Mortage buffer
-save 1 month New Mortgage buffer
-Save 5k Rental Efund
-Cashflow tickets to an event in Oct
-cashflow new furniture
Fun stuff, people! I will say, that we are not revolving any credit card debt as we have been spending a lot. I am so thankful for overtime!
I also want to note that usually I buy Christmas gifts all year long - but not this year as I didn't want to move all the stockpile of gifts! So I need to get busy on that
Today is payday. This check includes my bonus and raise.
I had lowered my 401k contribution to just the match for this paycheck only. I already have increased it back to 16% for the next check.
With this check, I have been able to put aside the following:
$4279 to new home fund (cashflow, overtime plus bonus)
$155 Medical Savings
$80 2016 Gifts
$13 Membership savings
$15 Emergency Fund
$5 Clothing Fund
$20 Automobile savings
$31 cash savings
$130 Slush Fund
$50 Home Upkeep Fund
MARCH Savings (since I won't be paid again until 4/1)TOTALS are as follows:
New Home $4,857.32
Slush Fund $130
Home Upkeep Fund $50
Medical Fund $170
Automobile Savings $20
2016 Gifts $109.25
Nephew Car $16.90
Baby Savings $10
TOTAL for March: $5431.47
2016 Mini Goals (Goal End Date 4/30/2016)
*Goals are the dollar amount I want to add to these accounts and not the new total*
1. Extra Splurge on CC $155/$155 Goal
2. Car Savings $310/$343 Goal
3. Medical Savings $470/$493 Goal
4. Nephew Savings $45.19/$486 Goal
5. Efund $104.53/$936 Goal
6. New Home Fund $8300.76/$10,334 Goal
Our household expenses have skyrocketed lately - partially due to baby and part due to being home more. I am working hard to make every purchase be as productive as possible.
Target has a deal on toilet paper - I was able to get TWO packages of 48 Double Rolls for $29.25. They have a subscription promotion, I used my Redcard Debit card.
Then I used a $25 gift card I earned on a diaper deal from the other day. After all that, I paid $4.25 out of pocket for 96 double rolls of toilet paper. Can't beat that deal!
I also got a great deal on paper towels as well. Two Bounty Huge Rolls (set of 8)at discount for $26.59. I used a $20 gift card from my deal the other day, paying $6.59 out of pocket.
We still have $20 in Target gift cards from the Diaper deal. I am keeping an eye out for a good paper towels deal LOL
I also was notified by babies'r'us that their promotion for our Baby Registry has hit. They gave us a $169.38 gift card to use there by Feb 23, 2016. That will go a long way! We also still have $200 in BRU gift cards that we have been gifted. I hope to use them well.
I met my gifts/Christmas budget goal for 2015 and have started on 2016.
For the 2015 budget, the funds were made up of automatic savings of $60 per month, small amounts of cashflow and some from alternative income.
2015's alterative income has included:
$10 from Gyft
$350.69 Credit card rewards
$76 Chang jar
$20 Bing Rewards
$28.35 Settlement check
$49 insurance reimbursement
$40 inbox dollars
Can't beat that!
Any further extra money is going to my 2016 Gifts/Christmas fund.
So far, I have:
1365 My Points (Goal 3500-3700)
332 Bing Rewards (Goal 475 for next $5 AGC)
2420 Recyclebank points (no goal exactly)
$10.20 Inbox Dollars (GOAL $30)
1572 Mycokerewards (Goal 1400 for $20 gc)
My Oct, Nov & Dec's auto budget ($60/mo) is going directly into the 2016 fund for a nice jump start. I already had set aside some overtime funds as well. More family to buy for with all the new kiddos (my new little one, my sister-in-law's new baby, etc)
Lots of things to update! First, my personal retirement accounts have totaled above $75k. $75,844.51 to be exact! My husband’s 401k is approximately $32,000. I am waiting on access to his 401k to really take a look.
Today was payday. I paid household bills – Car payment $230, Car insurance $97.10, electric/gas $133.45. Some bills aren’t due yet, but the funds are designated to pay them when ready: Water $35, trash $20, Cable
I paid off one of my last 3 credit cards ($193.07) and put an additional snowball of $121.83 to the 2nd to last credit card on the list!
My sinking funds will automatically deduct in the next few days:
-$20 Vet fund
-$10 Jewelry Insurance
-$20 Vacation Fund
I have also designated funds for gas $40, groceries $200, personal items $20, beauty $25, Netflix $8 and entertainment $259.11; Entertainment is high because I have rolled over extra from last month.
An update on my Sinking Funds/ Savings with Capital One 360:
New Home Fund: $5829.92
EF (being replenished) $366.31
Home Repairs $151.12
Jewelry Insurance: $14.80
Auto expenses $0.04
I have free money pending that will go into my Gifts sinking fund.
- Ebates check $36.23
- TD CC Rewards: $88.05
- $5 Credit card credit from a promotion (asked for a credit balance refund on it)
Fun Note: My Car payment will be paid off in August! I am not including it in my snowball because its being paid off so soon and its 0%.
I am recovering from the nasty bug going around, but made it into the office today. I didn't have the energy to pack food (bad), but had plenty of entertainment spending cash to get me through the day.
I spent $8.40 on breakfast & Lunch.
I put a bunch of free books on my kindle (thanks to several freebie sites) and purchased 2 books for a total of $8.98 which was out of an amazon gift card.
I also used my new Discover It card to purchase a deal in dishwasher tabs 90 count for $11.10.
My goal in the next 3-4 months is to stock up on deals for everyday household things - toothpaste, shampoo, conditioner, cleaning products, dishwasher detergent, laundry detergent, etc. This is a good start.
Using the Discover It card will yield a $100 gift card to Amazon. Sweet.
Today was the first paycheck as an hourly employee (as opposed to being exempt). I am happy to report that I had OT that netted me an additional $487 in this check!
None of this includes my mortgage, but here's some great news!
Debt/Savings Payments earlier this month include:
1. A min pay to Card DSC $238
2. A min pay to Card ELN $53
3. A min pay to CTDV $83
4. A payment to my wedding fund savings account $500
5. A min pay to my car loan $230
6. $20 to ING Vet slush fund
7. $40 to ING Medical slush fund
8. $50 to ING House Upkeep slush fund
9. $10 to ING Holidays slush fund
Between cash flow and the OT, I paid off:
1. A small balance card that is being paid before the statement hits $172.94 BALANCE NOW $0!!
2. Old Navy balance - includes medical bills 551.22 BALANCE NOW $0!!
Overall, I paid $1948.16 towards savings & debt repayment.
-$1828.16 to debt
-$120 to savings
My next paycheck should have an estimate of $800 in Overtime (NET) and that & cashflow will payoff my small 2nd mortgage/First time homebuyer's loan. The balance is now at $949.07!
Today was payday and after the expected bills were paid out of this paycheck, I was able to:
-Put $5 into my gas sinking fund (for extra gas usage in summer). Any leftover at the end of the month goes in there too
-put $48 into my emergency fund ING account
-set aside $120 for groceries for the 14th through 31st envelope
-put $190 for entertainment expenses 14th-31st envelope
-have $140 left of my Christmas budget for last minute gifts & items to bring to parties
-$20 in toiletries envelope
-$20 in the pets envelope
- leave $45 in checking for gas for this pay period
The entertainment & groceries is where I really go astray, so I plan on working hard to be able to stick to to the budget. I plan on NOT going over!
On that note, I know tonight is date night. I have a $25 groupon for a local pub where the BF & I will have dinner & a drink. I am hoping to not go over $10 out of pocket
Tomorrow, we are decorating for CHristmas, watching Christmas movies & in the evening going to see his nephew in a play ($10 ticket). I am planning on making breakfast, lunch & dinner at home.
Sunday, I am doing a dollar store run with my girlfriend...we get excited about all the holiday stuff there & its a tradition. $10 of my CHristmas budget is earmarked for it. We will also do brunch on a groupon that I have. I am hoping to get out of brunch with $10 out of pocket.
Monday night, I am doing Trivia at a bar with some friends. 1/2 price pizza and free trivia. I earmarked $25 for this.
Wednesday night, I am having dinner with another good friend & exchanging our gifts. We are doing $5 burgers at a local pub that does EXCELLENT Burgers! I earmarked $10 as I won't drink and will probably order water.
Thursday night, the boyfriend is taking me to a CHristmas Burlesque show. We saw this troup a few months ago & loved the show. He splurged for the tickets, so I will pay for the drinks there. Probably looking at $30-40 there.
Next Friday, Saturday & Sunday are up in the air for plans and the following week will be Christmas. I think we'll be doing a happy hour with friends at some point & I was thinking of seeing if another set of friends wants to come over for brunch to do our gift exchange.
So there is little wiggle room in my entertainment budget, but I am happy to not spend on eating in the work cafe or having fast food to have the experience and time with friends and at events.
After a long period of inactivity due to heavy social schedule, plus lack of energy that I have been attributing to the thyroid, I FINALLY have energy to get things done.
Sunday, my family, my boyfriend & I took both my nephew and the bf's nephew to the PA Renn Faire. I spent quite a bit, but it was so worth it. We really had a great time!
Monday, I stayed home & started in on getting things done. This mostly consisted of napping then organizing the kitchen/pantry now that my Roommate moved out. The boyfriend is moving in Dec 1st,but in the mean time, I can clean, organize & enjoy having the house to myself!
In the last week, based on some promos I found - I earned 18 Redbox credits. I used 2 over the weekend.
I am pickingup some ideas on Pinterest. Tonight,I painted my keys with nail polish to make it easier to tell them apart. I have a house key, a screen door key, key to my parents, key to my work desk, key to the mailbox and a few misc ones.
Here's a quick of the final paint job! As you can see, I love different colors
Between yesterday & today, I worked full days then:
-Cancelled lawn guy (now that the broken foot is officially healed)
-signed up for 2013 Medical from work
-Called in a prescription refill
-returned books to the library
-picked up a window sealing kit at the dollar store & 1 organizational tote for the kitchen
-relisted several items on craigslist
-Cleaned out fridge(had to - there was a big cherry limeade spill) and then cleaned the kitchen, wiped down cabinets, counters, ect and washed the kitchen floor. Also polished the kitchen table
-Cancelled subscribe & save deal that I got on Amazon
for toilet paper
-ordered a book on amazon for my mom in that same deal (she'll be paying me back)
-requested 2 $5 Amazon gift cards from swagbucks
-requested reimbursement from insurance for prescriptions paid out of pocket
-picked up prescription
-made appointment with guy of Craigslist to sell my old mower (now I use the reel mower)
-Put several items to sell on my county's Classifieds group on facebook
-obtained 40 MyCokeRewards from a friend off the Classifieds (I use these rewards for soda coupons). The boyfriend and a friend collect them for me. I am always looking for more codes though!
- started wrapping my coaster gifts for christmas
-updated new points into my coke awards
-Waiting for $10 earnings to hit my InboxDollars account so I can request my $40 payout. I earned it by ordering 3 bottles of wine for total of $15.01. These will be used for holiday partys and were already on my to-buy list
-working on swagbucks - want to get to another 450 points
-put out Halloween decorations
-watched Netflix movie
-made dinner at home
Tomorrow, I am doing a (cheap) dinner and a (free) movie with a friend. So my to-do list is much smaller:
1. 10/15 budget
2. 10/31 budget
3. 11/15 budget
4. budget after BF moves in (paying 1/2)
5. Have fun with friend!
Friday night, the boyfriend & I had date night in. We rented Battleship off Amazon (for free with my Swagbucks AGC), I made dinner & we had a few drinks & enjoyed ourselves. Pretty frugal
Saturday - we went with my College roommate & her husband to a Brew Fest an hour away near a casino. The tickets were $25 each, but I found a groupon that did 2 tickets, plus $15 in free slot play each for $25 total. So - a savings of $55! We enjoyed ourselves, played our free slot money, enjoyed free sodas after the beer tasting & headed home. Very frugal day...
Until...I dropped my cell phone in the toilet. UGH. I was able to get it out quickly (and this was a clean toilet - hadn't gone yet). I dried off what I could with towels, took the battery out, and when I got home, put it in rice overnight. With the help of Droid forums, I was able to factory reset the phone & it is working again. I am a lucky, lucky woman.
If it had not worked, I would have just used my boyfriend's old phone. I was not putting anymore funds into a cell phone.
Sunday, I went to the Farmer's market, the grocery store and then Weight Watchers. I had HOA stuff to do at home, slept a good part of the day, made a yummy dinner & enjoyed some Netflix.
Today, I had a no spend day - packed healthy & did not go out of bounds
Tomorrow - I have a 6am work call - so hoping to get out of the office a bit early tomorrow!
My physical therapy has ended (insurance will no longer pay). I am doing at home exercises for 2 weeks and if its not better, going back to the foot doc to fight the insurance. Fun
On another insurance note, I am STILl waiting for my $389. I keep calling & as of today, they said the funds will be back in 48 hours. I will believe it when I see it.
New news - Roommate is moving out (it's been a year & my boyfriend & I are ready to live together).
So it will be a weird transitional month, financially as she moves out the 1st weekend in October and I don't have an exact date for when the boyfriend will move in. But it won't be bad, just cash flow tightness.
So for now - pack food as much as possible, frugal activities, selling on craigslist & finishing Christmas stuff with freebies!
Lots of updates. I ran a bunch of errands today - so bunches of spending. Vet (27.99), gas (36.91), Acme,(41.52) Farmer's market(9.14) and Walmart groceries(23.86) and Walmart cat litter (5.36).
I saved $2 at the vet by pointing out a price discrepancy.
I broke out my new crockpot and made BBQ Shredded chicken for dinner tomorrow. Then headed out to my HOA meeting.
I cancelled my plans to hang out at home. I plan on doing some online points earning, laundry and cleaning. All meals were had at home
I have gotten several freebies in 2012:
-2012 pocket calendar
-craft paper from 2 gift wrap rolls
-3 Kindle books (recent ones)
-$10 credit Groupon for shopping locally
-Publix wine bag
-Personalized Valentines Day card
-2 snack bags of chips
-Shoprunner 2 year membership ($79 value)
-1KB memory card
I also have really hadd a good start on my Free Christmas 2012 Challenge: $70 total
-$20 Serve.com checks
-$20 Mastercard promo
-$15 Amazon giftcards from Swagbucks
-$5 amazon giftcard from Bing Rewards
-$5 check from Synovate
-$5 Toys r us rewards
I also have pending:
-$58.15 from Cashcrate
-8,973 points with MyPoints (another 2,000 pending)
-$11.27 Inbox Dollars (need $30 to cash out)
Still out of work for the wrist until Thursday. I go to the doctor's tomorrow and will probably work from home for a week.
My work switched insurances on January 1st, so I had to call yesterday to confirm there would be no problems with my 2012 appointments with the ortho guy.
In the new year, I have a few goal - specifics are drawn up, but here is the overview.
2012 - Goals
1. Pay for Christmas from cc rewards an rewards sites
2. Limit lunches bought to 4 times a month
3. Pay down debt (more specifics to come)
4. Downsize cluttter in home (more specifics to come)
5. Upgrade Health *several areas included
6. Track 100% income and spending
7. Track freebies (like that someone else on this site tracks them)
2012 Freebies to date:
free kindle book - Secret Holocaust Diaries
free kindle book - Dead-ish
free 2012 calander from mom
$5 Amazon gift card from Swagbucks
$5 Amazon gift card from Bing Rewards
2 wrapping paper inner rolls made of heavy craft paper (for crafts later)
CC rewards to Christmas: $140
$20 mastercard bonus
$20 Serve.com (depositing today)
$100 from Citi Thank You (in WM gift cards which will be used for groceries & the grocery cash will go into the Christmas ING acct)
Typing is hard right now, so posts will probably be short from now on
I have been working to earn credit card bonuses, rewards points & points through rewards sites. Any funds earned will go straight to my fund for my sister's upcoming wedding. If any of the rewards (MyPOints) come in gift card form, I will get cards that I can use for necessary items such as groceries and gas and those funds (from the budget) would go to the wedding fund (And debt payoff once that wedding goal is met).
So to help me with this goal, I opened a Bank of America Amex.
-Earned a $50 statement credit for $100 in spending (used for cell phone bill & normal gas spending. [Net $50]
-Earned a $25 credit for spending $26 at a local wine store for Small Business Saturday. Wine will be for Christmas gifts. [$1.00 out of pocket for 2 bottles!]
-Earned a $25 credit for a Target Purchase. I am not heading to Target (at the mall) at this time of year, but I was able to purchase a (needed) mascara online for $5.73 (including shipping) [19.27 Net]
- ALl usage is budgeted & will be paid off within the next 2 weeks
I opened a Citi Dividends card. $200 in rewards for $500 usage.
- I put the remainder of my car insurance on this (and will pay it off from savings) $480
- $29.07 gas (normal budgeted spending)
- *there is another offer I signed up for where if you spend $200 after signing up a Mastercard, by 12/31/11, you can get a $20 Mastercard gift card, but I am not making this a priority to meet
I opened a Citi Preferred card for $100 for $500 spent.
-$206.23 normal spending on card (budgeted & will be paid for in 2 weeks)
-Still need $293.77 but this will be completed by planned spending
-Also signed this one up for the Mastercard deal. I just need to meet that $200 goal by 12/31 (Which I will do since I need to get another $293.77
- At the end, I will get $100 rewards AND a $20 Mastercard gift card
I have been working my MyPoints. Reading every email sent for 5 points per viewing. I also utilized some of their deals.
- Started with 896 balance on 11/25
- Did a survey for 10 points
- Completed 76 searches using the MyPoints toolbar in Nov (earned 90 points)
- Signed up for OpenSky.com through MyPoints (earned 50 points PLUS a $15 credit on the acct for signing up)
- Used $15 credit & free shipping to purchase a soup/salad container for work lunches. $7.00 out of pocket (paid out of entertainment spending). Earned 3,500 in MyPoints for first purchase. (3700 mypoints approx = $25 gift card)
- Opened an ING Sharebuilder acct (Something I wanted to do anyway) By using the MyPoints link, I earned 200 points for opening the acct & will earn 2,000 points with the first transfer. I will be doign that tonight.
- I purchased a magazine subscription for my dad for CHristmas (Planned purchase). I bought 2 years because if the purchase was over $15, I would earn 1,000 My points.
- After all of these earnings hit, I will have 7,746 in points - approx $50 in gift cards!!
I also am working to utilize Swagbucks more. I am a new member, but have about 123 in points between searches, toolbards, daily polls and more searches. I will be keeping this up!
In other news, all my CHristmas shopping is done - except 1 gift for my boyfriend and the Christmas tree itself. So woot!
The BF's bday is this week and we are going out in town tomorrow night with friends for his bday. I will be driving about 45 mins each way for the group (Designated Driver) and using up gas (Budgeted for) plus paying for parking $20 and part of his meal (approx $40 out altogether). Wednesday, we are going out with his sister & different friends (hoping to keep the bill around $30). Thursday is dinner with his family - he chose Olive Garden. Which is great, since I have that free $50 gift card. I can cover both our meals PLUS some of the family's.
As for the Lunch Challenge, I packed all of my food for today. Breakfast, lunch & snacks. Lunch is actually pasta salad leftover from the boyfriend's THanksgiving. He even packed it up for me! LOL
Additionally - I should add that I UNFRUGALLY lost my cell phone in October. I frugally borrowed my friends old one for 2 months until my contract is up for renewal 12/28. And on Friday, there was a groupon for $25 (I had a $10 credit, so it was $15 out of pocket). For that Groupon, PLUS $35 activation, I can get a Droid X or X2 once my contract is up in December. Compared to what my friend just paid for upping her contract & getting a Droid, I am definitely making out on the deal!
Today's 5 Things: are actually more than 5
-Complete Sharebuilder trade
-update budget for 11/30
-MyPoints & Swagbucks sites
-WD40 Front Door
-Make dinner at home, lunch for Tues/Wed
-CLean kitchen, wipe counters & vacuum floor
-Pickup Living Room
-Gather library movies to return
-Finish laundry & put away
-Unclog bathtub drain
-Unclog upstairs bath sink drain
-Wipe bathroom counters, tub & toilet, vacuum floor
-Play on the internet
-Pack night clothes for BF's bday, work clothes for Wednesday
-Portion medicines to keep at work & at boyfriends (Have to take thyroid meds & vitamins &Missing them REALLY screws me up)
I have to confess, I have been financially irresponsible lately. I have to get back on track. So part of that is being on this site more & being accountable to myself
So in random form, here are some thoughts/lists.
-I am having a game night tomorrow night. Total out of pocket approx $50 as I am stocking up my liquor cabinet and making lots of food. Utilizing my freezer/pantry for the food as much as possible. Games already owned and a good time will be had by all
- Sunday, for the friends dinner that I have, I am in charge of the sides. I will be supplying a salad, so out of pocket approx $8 (including bringing over some dressings)
-I just received a free gift from Clinque for a purchase I made. I have been having terrible breakouts, so I am going back to buying Clinique face wash. Worth it if my skin calms down The free gift included a makeup bag (Very cute), a mini makeup bag, a 1oz cleanser (perfect for travel & can be refilled), .5 oz moisterizer with SPF20, regular size lipstick (In a color I like), regular size eye liner (on my to-buy list anyway), a travel mascara (in the color I wear), a full size eye shadow kit in colors I can wear, and 4 perfume samples (again perfect for travel). Over $50 value & I just restocked most of the needs I had for makeup
- I received a call that Olive Garden is sending me a gift card (Amount unknown) for the trouble with a pre-authorization of $99 going onto my account. The charge never went through, but it was inconvenient.
- I am reinstituting my Lunch Challenge for myself, although I did terrible this week. My goal is NO out of pocket spending for food/drink at work for the rest of the month
-I plan on finishing Christmas shopping in the next two weeks. All in cash!
-I scored some deals from Acme. They have a little Holiday Book by their ads in the store. In it are coupons for things like $1.00 off 1 Acme brand (Everyday Essentials) pasta and 1 EE pasta sauce. I was able to snag both for $1.89 after coupon. I will be going back today for another set. Its never bad to have pasta stuff in the house! I also got 3 cans of Acme fruit for $2.00 total (After $1 off coupon). They have also had a lot of register rebates lately & I will be using them as I have about $3-4 left of those.
-I have a few returns to make - a non-working alarm clock to Target & a pair of shorts to Walmart
-The roommate situation is working out great. She actually contributes to things like paper towels & tp and CLEANS. None of the previous roommates did any of that
-I got a $15 parking ticket for not feeding the meter enough when I got stuck inside the pharmacy earlier this week. I will have to pay it
-Dyed my hair at home instead of paying for color in a store. I have gotten SO many compliments, I am definitely going to keep this up. $4.99 for the box after coupon.
-Used a Deals Voucher for $10 to Fulton Paper. I make jello shots on a regular basis for parties, ect and use a particular type of plastic cup. I was able to use the voucher for 4 sleeves of the cups, 2 gift bags and 4 boxes to be used for gifts of fudge. I still have another $10 voucher to be used by next year. OOP for the 2 vouchers was $10 (and bought months ago)
-Itemized all of my stockpile in the bathroom cabinet. I have a ton of freebie samples of bath gel, shampoo, conditioner, face wash, body washes and lotions. I am trying to use up most of them as well as some of the travel sized stuff I have recently scored for free. I do plan on leaving enough to carry me through a few weekends of travel though!
-I itemized any freebies/rewards that have to be used. Did the same with coupons
-Plan on looking into cheaper cat food. The cats have crystals and one is overweight, so I have them both on Hill's Prescription Weight Diet. But its expensive. Will be looking into non-prescription alternatives.
- I just got a 20% off ANYTHING at Kohl's. Might hit up their clearance for some gifts. (Will use Christmas cash - no additional unplanned spending)
- I need to be in a financial lockdown. So the budget is getting tightened. I want to pay down debt, control spending and just get back to my financial goals. I am a little ashamed I have gotten out of hand. But I can say for sure that I am turning a corner
Today was a no spender (yay). I packed food for work, went looking for a Halloween costume (no luck yet), went to kickboxing to find out that my training session was cancelled. The guy rescheduled the session and gave me 2 more classes for free. Great customer service!
I have several financial goals for this week:
-Budget out entertainment spending between now & the 31st.
-Stick to grocery budget
-Eat in as much as possible
-Finalize Medical Plan choices
-Make new monthly budget
-Put up more items on Craigslist
-Finish most of Christmas shopping
-Start figuring budget for sister's wedding & 2 other weddings I will be attending in 2012 plus another one I will be attending in 2013.
The air has been off, windows open & although its cool in evenings - no heat is needed yet (WOOHOO)
Happy Friday All! It's been a stressful week and I am looking forward to some relaxing this weekend.
Today was payday, so I budgeted out everything:
In cash, I have:
$40.00 towards Wine Tour
$77.49 towards Groceries
$90.00 Entertainment spending
I paid some bills:
Reimbursed mom for some Halloween Decorations
And I bought Groceries
-Farmer's Market $10.30
My manager let us out early (WOOO) and I was able to get all my errands done & get home by 2:30. I had time to clean my room, prep food for the wine tour tomorrow, clean the bathroom and help the new roommate move a dresser upstairs. She has her stuff here, but will start actually living here tomorrow.
Once she left, my previous roommate came by & picked up the last of her stuff. She gave me the $75.00 she owed me and the keys. I did an inspection and found that she left a couple of things:
-1/2 bottle of Pino Grigio
-1 clean tupperware bowl & lid
-a bunch of salad dressings (1/2 used)
-1/2 jar of vodka sauce
-1 full large, unopened bottle of V8 Splash
-3 bags of frozen mixed veggies
-1 bag frozen steamer red potatoes
-1 bag frozen broccoli
-1 lb ground turkey burgers (frozen)
-1 bag broccoli & rice
-1 bag Tyson grilled chicken strips
-2 opened 1/2 full bags of veggies
Most of it usable - I will get rid of the opened veggies (freezer burn), vodka sauce & some of the dressings - but all the freezer food is good and healthy! So Yay Freebies. I then had to move all the food around in the freeze to free up 1/2 the space for the new roomie.
And since I did that, I took a freezer inventory: (boring, I know - but its really good for planning)
-1 1/2 bags turkey pepperoni
-2 - 4packs of breaded chicken patties
-6 servings chicken breast
-4 frozen turkey burgers
-1 container lime sherbert
-4 tilapia fillets
-2 1/2 bags Morningstar crumbles
-1/2 loaf bread
-4 veggie burgers
-4 servings turkey bacon
-1 bag no sugar added strawberries
-1 bag no sugar added blueberries
-1 bag broccoli
-1 pint blueberries
-8 bagel thins
-1 bag broccoli & rice
-3 bags mixed veggies
-1 bag grilled chicken strips
-4 pack water ice
-9 meatloaf muffins
-4 servings sloppy joe
-3 cinnimon raisin bagel thins
The rest of my night will be dinner, making the rest of food for the wine tour tomorrow, cleaning up the kitchen & dusting/vaccuming the empty room. Hope everyone has a good night!
The trip to Oktoberfest in Munich & to Amsterdam was phenominal. Came in under 'budget', but unfortunately some of the trip still went on a card. This was a splurge that I financially shouldn't have done, but mentally/emotionally, I needed.
I am home now & back to living frugally. I did buy fast food dinner on the way home from the airport Friday night.
Saturday, I had lunch with my parents at Olive Garden ($10) and completed some grocery shopping (approx $27).
Today, I went to the Farmer's Market and spent about $17 on TONS of fresh produce. I went to an Arbonne party at my sister's house (free food) and may buy 1 item at 50% off ($9.00). I will make the purchase tomorrow. And for going to the party, I received a set of make up brushes (which is actually needed).
As for the trip, I did come home with some toiletries. I found the complimentary body wash & shampoos in the (CLEAN/EMPTY) trash can in the hotel room - so I took them. All brand new, no reason to toss!
I am eating at home today, catching up on DVR'd shows & enjoying getting the house in order.
My roommate is moving out today & the new roommate is moving in Thursday-ish. She already gave me the deposit money & will provide the rent on her move in date.
I have goals for this week: $20 in entertainment money & I plan on packing breakfast/lunch/snacks for each work day this week. NO uncessary spending!
I plan on getting pictures uploaded tonight - expect some fun ones!
I took stock ofmy coupons, gift cards & groupons today so that I can utilize them all before expirations. I actually have quite a bit.
-Exp 9/9 - 40% off 1 item at Old NAvy(will be using for a new pair of jeans)
-Exp 9/8 AMC Theater - 50% large drink & popcorn combo (probably will go unused?)
-Exp 9/10 - 40% off 1 item at Joanne Fabrics, another 40% off 1 item at Joanne, 40% off 1 item at Michaels, 40% off 1 item at AC Moore. Will be using for some Christmas projects
-Exp 9/12 - FRee hiphuggers from Victoria's Secret
-Exp 9/27 - Coupon $15 off $25 at JB Dawson's
-Exp 9/29 - Free appetizer or desert at TGI Fridays (No purch necessary)
-Exp 9/30 - Free panty from Victoria's Secret
-Exp 9/30 - $5 off $25, Buy 1 Get 2nd 1/2 off Dinner Entree or $4 off 2 Lunch Entrees at Timothy's Restaurant
-Exp 10/10 - 15% off total TGI Friday order (waiting to see if go there for anything)
-Exp 10/21 - $10.00 off at Victoria's secret
-Exp 10/31 - $1.25 off Jollytime Popcorn
-Exp 11/11 - Wine Tasting for 2 plus wine gift (appt made for 9/11th)
-Exp 11/27 - $20.00 to local restaurant (Groupon OOP- Out of Pocket- was $10)
-Exp 11/30 - 50 cents off Progresso soup
-Exp 9/12/2012 - 10 Kickboxing Classes plus 1 personal training session, plus boxing gloves(Groupon OOP was $40)
-NO Expiration - $25 off $35 to Pats Pizza (Restaurant.com OOP $2)
-NO Expiration - $25 off $35 to Pats PIzza (Restaurant.com OOP$2)
-NO Expiration - $25 off $50 to Mona Lisa Restaurant
-NO Expiration - $25 off 2 Entrees to Public House Bar
-Free Trial 1 week Gym membership
-NO Expiration - $100 in Fandango cash (purchased for $80)
Today, I have to grab cat food from the vet (They have prescription food), and hit the grocery store. I have a potential roommate stopping by tomorrow - so tonight will be dedicated to cleaning.
A lot of the stores are together either inside or outside the mall, so tomorrow night (Wed) after the potential roommate comes to look at the house, I plan on heading back out
-Joanne for Christmas item(s) - decorative boxes & cardstock
-Return shoes to DSW
-Victoria's Secret for free items & to spend the $10
-Michaels to use coupon for Christmas item(s)
Then Friday, when my coupon starts to Old Navy, I will make a return & use the 40% off coupon to buy jeans.
As for the groupons - The wine tasting will be used Sunday the 11th, kickboxing will be set up for after I come back from Germany. Free gym trial will be used at the same time. And the restaurant groupons will be used as wanted since there is no time crunch. ***I Also want to note that I only purchased at places I know I like or want to try - nothing was bought just cause it 'was a deal'. LOL
And I am working to get back to my To-Do List. Today's 5 things off that list are:
1. Pick up cat food & grocery shop
2. Make dinner/premake food for tomorrow
3. Finish laundry
4. HOA chores
5. Clean house - vac/dust living room, change cat litter, clean upstairs bathroom, clean bedroom
Well, yesterday I paid all of my bills and I am now left with entertainment & grocery spending between now & the 31st. Fun!
I went to Acme with some coupons - 1 manaufacturer and 2 Acme (for their rebranding of Everday Essentials pasta & sauce).
1 jar EE pasta sauce
2 boxes EE whole wheat pasta
4 cans Progresso soup
1 large bag of chips
1 box Barilla pasta
For a total of $8.27 after coupons. And when I got home I realized that one of the soups didnt get bagged. So I will be going back for it!
I have $28.66 left in my grocery budget (which is fine because I will only need veggies/fruit/dairy.
I have $59.27 left in entertainment. I am definitely looking to add to this - I have a weekend at a friend's house next weekend. But thats plenty of time to list & sell some stuff on Craigslist!
I am packing my lunch and will continue to do so through September. I am working to sell a bunch of things to add cash to my spending money for Germany next month.
I also have another potential roommate coming to look at my place today. SHe's a friend of a friend & needs a new place as our friend is getting married. SHe would move in around the beginning of October.
Additionally - I received an Ebates check for $9.10. This is going to the Germany fund!
So I was on vacation all last week, plus the prior Friday. My big vacation trip is next month (Oktoberfest in Germany!) So this vacation was very low key.
Friday the 5th, I had lunch with my parents (free) & my nephew, mowed their lawn & vegged at home that night. WAtched a few movies off Netflix/from the library
Saturday the 6th - I went to a winery for an event. $10 to get in, $8.00 for a specialty drink & $15 to purchase a bottle of wine. I packed food and my friends & I shared a picnic, enjoyed the band & scenery.
SUnday the 7th - BBQ at the boyfriend's and then watched True Blood with friends.
Monday the 8th - Lunch with my college roommate and her daughter (free - Since her daughter's 3, I went to their house for sandwiches. I brought cookies leftover from the winery picnic). In the afternoon, I went canoing with my nephew (age 10). It was a very uncoordinated, but FUN effort ($3 to get into the park, $8 for the rental.) I Stayed in that night & did some cleaning.
Tuesday the 9th - Went for a 2 hour hike & picnic with 3 friends & a dog It was beautiful weather. THat evening, I met another friend for 2 for 1 tickets at the movies ($6.00 total for both tickets) and then half price burgers at a local restaurant ($5-ish)
Wednesday the 10th - Saw the Help with friends. Read the book, loved the movie ($8)! We went out to lunch after ($15). THat evening, my boyfriend came over & we watched a movie from the library.
Thursday the 11th - Ran errands, packed & left for the beach. My boyfriend's roommate had invited 8 of us down to his parent's beach house. BF & roommate had to work Friday, but it was from home, so they could do that at the beach. I spent about $35 on alcohol to contribute to the parties. The host's mom had been at the beach house earlier in the day & had left us chicken & beef stew for diner, so no cooking!)
Friday the 12th - while the boys worked, the rest of us had a light breakfast, then played tennis at the community's court (Free). We then went to the pool (free), ordered lunch ($8 for a sub) and hung around. THat evening, we made tacos & played board games (I had brought 2). We made some drinks, played some music, danced around and just had tons of fun. We had several cameras & videos going
SAturday the 13th - We made a big breakfast, slept in. After breakfast people split up - some went to the beach, some the tennis courts, I stayed and had a much needed nap! Haha. Afterwards, I went to the pool & read for a while. That night, we got dolled up & went to the resort town at the beach. Cabbed it in & back, but had a blast!
Sunday, we had a leisurely breakfast, then all headed home except for the boyfriend & I. We were meeting one of his friends for lunch about a half hour away. We had a drink at the bar while waiting, then we got a call that the friend & her husband were stuck in traffic. So we ended up having lunch & leaving. It was nice ($40)
That night, we went back to the boyfriends for our weekly True Blood Dinner. We were all too tired to cook, so we ordered in. BF paid for dinner as I picked up the lunch tab
Today, I am back to work with a HUMUNGOUS to-do list. Instead of 5 THings, I need to get about 15 done. And I am going to make it work! haha.
1. HOA chores (Est 1/2 hour of time needed)
2. Rent free movie from redbox promo [DONE]
3. Email about mypoints to friend, email friend of a friend about possibly renting the spare room when this roommate moves out at the end of next month [DONE and DONE]
4. Budget (today was payday)
5. Grocery shop [DONE]
6. Make meal plan [DONE]
7. Find passport in paperwork
8. Laundry-wash bathroom rugs [DONE]
9. Clean bedroom
10. Clean, polish furniture in basement. take pictures for sale
11. Xmas plan (Update budget)
12. Pack gym bag & library bag
13. Make lunch for tomorrow and prep for other lunches [DONE]
14. Change cat litter
15. Watch Redbox movie [DONE]
16. Grab coupons & magazines from Mom's house [DONE]
17. Post mail
18. MyPoints - get points, refer friends [DONE]
19. Clear Home Email [DONE]
20. Research breadmaker
21. Sort stuff for GoodWill [DONE]
22. Take inventory of stuff roommate left behind
Lastly: Get to bed early (Ha!)
I am back again & I have missed you guys. My health is holding steady at good (Yay) but my spending was a bit out of control. I am working on creating a new budget with a strict focus on paying down debt.
Additionally, I am dating someone seriously and I find that I am spending so much more because of it. He is a gentleman and tries to pay most of the time, but I like to do my fair share. I need to start saying no to some things, lol.
And - here's the BIG money mistake - I agreed to do a trip to Germany for Oktoberfest. I was able to get an awesome deal on airfare & lodging. I am working to save funds for the rest of the costs. I only have about 2 months to do that - so part of my plan is to sell some of the furniture that is currently taking space in my basement. I inherited a full dining room set from my aunt & I will never use it, its just not my style. So I am working on cleaning it up, polishing & then selling.
I have lots of goals right now - but I am going to stick to my 5 Things lists. This is where I tackle a minimum of 5 things off my To Do list.
Today will be:
1. Grocery shop
2. Pack food for work tomorrow
3. Put up Craiglist ad for new roommate & email photos to a potential one found already
4. Clean bedroom
5. Have fun on date night with the boyfriend. Movies & Dinner out
Hello everyone, I am so sorry I've been MIA. A lot has happened in the last few months. Some good, some bad. Most recently:
My health has gotten better (YAY)
My finances have gotten worse (BOO)
I am now seeing someone (YAY)
Work is getting stressful because of pettiness (BOO)
I bought a roku box - so now I can stream netflix - which was really important when I was practically stuck in bed every day. (yay)
Netflix has a monthly fee (boo)
I just had a birthday (the big 32) and a party (YAY)
I am overall happy (YAY)
I plan on taking stock of my finances - but I know that my debt has increased instead of decreasing. Partially due to medical expenses, partly due to not dealing with things while sick and partly due to laziness. So I am getting back on track!
I hope everyone is doing well - I see some new names around here & am glad to be back on board with frugality and to be working to payoff debt. I am mad at myself for letting it increase, but I will not dwell on it. I just plan to move forward.
I also have a HUGE list of to-dos. So I am going to be reinstating my 5 Things rule. I will knock 5 things off my list a day, no matter how big or small
Today's 5 Things:
1. Post on Saving Advice (done)
2. Pay bills (done)
3. Pick up stuff from library (done)
4. Make dinner at home (done)
5. Meet with HOA secretary & sign some checks (DONE)
It's been a while since I've updated. Here's what I've been up to!
Monday - Worked & hung at home with the roommate
Tuesday - Worked & went out to my regular Tuesday outting $12.00 spent
Wednesday - Snow day - took a sick day & stayed on the couch. Watched cable movies & read library books. When the roommate came home, we watched The Other Guys, which was borrowed from the libray too.
Thursday - Shoveled a little over a foot of snow & went into work. Vegged at home
Friday - Work, library & then probably a night at home. I am exhausted due to still not feeling well.
I packed breakfast, lunch & snacks every day this week. Wed & Thursday were no spenders!
Financially, I am out of my entertainment budget until payday on Monday. I have $18.39 left in the groceries budget, which I will be using tomorrow.
I recevied my sewer bill and it increased from $61.35 in 2010 to $106.35. This increase is due to increased rates as well as having the roommates in the house. Still underbudget compared to my neighbors! OUr county has the bills online for the public to see and I am one of the lowest in my neighborhood!
Tonight, I plan on finalizing my Jan 31st budget, making a meal & grocery plan and probably doing some cleaning.
This weekend will be low key, but next week and weekend are very busy, so I will be enjoying my downtime!
Today was a no spender! I packed food for work & came straight home after to put my feet up. Tomorrow will be a spend day as I need gas & to pick up some groceries.
The new roommate moved in today. He didn't have a lot of stuff, but will be moving the rest in this weekend. I helped him carry stuff in & he set things up & ran to the store to get some supplies.
While he was gone, I made a tuna sandwich & packed some food for tomorrow.
Financially, I am doing ok. I have $59 and change left of the grocery budget. This has to cover this week's food, this weekend, next week & next weekend. Unfortunately, I am spending more on veggies & dairy & other healthy stuff, so I have to really make that budget stretch, but its doable.
In the entertainment budget, I have $40. I plan on doing my normal Tuesday outing ($10). I might try to see a movie with my mom next week ($10) and who knows what else.
I also have LOTS of upcoming medical expenses. I have tests & need to see a specialist on Wednesday. Next week I see my family doc. The week after that, I have a dentist appointment and the week after that I have a follow up appointment to do another test. Ugh, just thinking about all of those copays! Oh well, I have my HSA replenished
I had a 3 hour meeting that provided pizza for lunch, so no spending there!
I forgot the pizza, so I brought lunch today. Its sitting in my fridge at work, so now I don't have to worry about packing lunch for tomorrow!
My roommate stepped up her moving out date on impulse & there's a good chance that she & all her stuff will be moved out by the time that I get home from work. If she leaves today, she would only owe me 3 days of prorated rent ($45). I hope, but am not 100% confident that she will leave me the money, but if she doesn't, I"m not out too much. If she does not move tonight, she will be moving tomorrow for certain.
The new guy is ready to move in Sunday, and earlier if possible. So the second that I get her moved out, I will give him the ok to move in. He starts his new job Monday, so if he could get into the room on the weekend, it would really work out for him.
Budget-wise, I am finally getting together a 2011 finalized budget. I was waiting to get the net pay to make my zero-based budget. I will be doing that tonight!
Entertainment-wise, I've been eating out a bit. Blew my entertainment budget, but its all good. I am staying in most of the weekend - getting the house organized through the transition between the 2 roommates. I have borrowed several movies from the library including House (Movie, not tv show), Vampires Suck and Grownups.
Lastly, I had a nice surprise at a doctors appt on Monday. I was ready to shell out a $30 copay for the specialist, but it turned out that I had a credit on the account and owed nothing. Yay!
Today's 5 Things:
1. Call water company & set up appt to get new meter installed
2. If roommate has moved out, clean out shared spaces & her bedroom
3. Finalize 2011 monthly budget and Jan 15th budget
4. Unload dishwasher (Which has been sitting with clean dishes for a week)
5. Start reading a new book
I packed my breakfast, lunch & drinks for work today. 1 down, 20 to go! lol
I made a mealplan for the week.
Breakfasts will consist of one or more of the following: yogurt, oatmeal, hard boiled eggs and animal crackers.
Snacks are animal crackers, popcorn, veggies & dip or pretzels & drip
Monday - salad with tuna
Tuesday - peanut butter & crackers
Wednesday - salad with tuna & pasta
Thursday - salad with pasta
Friday - tuna sandwich
Saturday - tuna sandwich
Sunday - pasta salad
Monday - Baked potato & salad
Tuesday - Sloppy joe over egg noodles
Wednesday - meatloaf muffins & baked fries
Thursday - Pasta with meat sauce
Friday - pasta with meat sauce
Saturday - to be determined
Sunday - to be determined
I also have an entertainment plan for this pay period. I have a strict budget of $40.00 to last me until January 15th.
Monday 1/3 - no money spent except for gas and poss groceries
Tuesday 1/4 - $5.00 - 1 beer out with friends at the pub
Wednesday 1/5 - no spender
Thursday 1/6 - $5.00 - book club at restaurant. Will eat dinner before I go & just have a beer there
Friday 1/7 - Nephew spending the night and watching library movies
Saturday 1/8 - Up in the air. Likely to be taking tree to be recycled & deep cleaning the house
Sunday 1/9 - Up in the air.
Next Monday 1/10 -
Next Tuesday 1/11 - $10.00 pub night
Next Wednesday 1/12 - Dinner with friends $10.00
Next Thursday 1/13 -
Next Friday 1/14 - Horror movie night with friends (FREE)
And lastly, today's 5 Things are:
1. Confirming referral for doctors procedure this month (DONE)
2. Get gas (DONE)
3. Compile Price list of items donated to GoodWill in 2010 (SKIPPED)
4. Pack food for Tuesday and Wednesday (DONE)
5. Make eye doctor appointment (DONE)
So the roommate came home after being at her parents for the holidays. I had emailed her yesterday with the question - what are you doing for January? (backstory: she gave 30 day notice back in late november, but did not move in December after all & is paid through Jan 9th).
Last night, she told me she's moving to Florida. She's going there for a job interview 1/3 and then on a short cruise and will be back around the 10th.
At that point, I told her that any days she (Or her STUFF) are here after the 9th, she will be charged rent divided by 31, which is roughly $15/day.
I will be sending her an email today confirming that arrangement, as well as stating that the day to day can continue through Jan, but as of end of day Jan 31st, I expect her to be completely moved out so that I can have a new renter start Feb 1st.
This means that my budget will have a shortfall in January. I will be looking closely at the budget & while I do have savings to cover the shortfall, I plan on doing everything I can to cover the shortfall without digging into savings.
I get paid on the 15th & last day of the month. I"ve always worked by budget as the 30th & the 15th so that the paycheck at the end of the month goes to the first 14 days of the following month.
For example, December 30th check will go for my January budget. I recently changed my 401k witholdings so my 12/30 check is a little less than what it was on the 15th. To top that off, my medical benefits increased by $6 and my Social Security withholdings will be going down (Woohoo) and I also changed my HSA withdraw amount by quite a bit. Given all these changes, I do not know exactly what my new paycheck amount will be on Jan 15th. Hard to make a budget.
PLUS - I still do not know what the roommate situation is. I plan on emailing her today to see if she can give me a heads up. She was out of town all Christmas week & went to her parents on Christmas Day & I haven't seen her since. I know that she is not working. I don't think she's found a new job. As she is planning to work in another state, I don't see her leaving until she gets a new job/place to stay, but I just don't know.
So in light of all the above, my January budget is all jacked up until I truly know what is going on with my paycheck & my roommate
I plan on being SUPER frugal in January to cover any shortfall in income if the roomie leaves and it takes time to find a new one. I really do need to find a new one though.
So I will set my 12/30 budget, but will wait to set the 1/15 one until I see the new paycheck online about 5 days prior. SHould be fun!
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