walked with mom for 60 min
Bought a paper this morning spent $1.25
Went to Walgreens and spent $16.08 on HBAs. The Savings were $15.96 plus I'll get a $10 rebate back from this.
Met my parents for lunch at Outback used my gift certificates that I purchased at 12% off, no problems. I spent $18 and brought half my steak home for dinner tomorrow night.
Total spent for the month should be $371.69 but I must have added the totals in the journal wrong somewhere because the actual total is $400.89 just missed my goal of $400
Here's how it broke out
Gifts $2.50 - this isn't included in the $400 total since I have a gift fund that I used to pay for this
Fast Food $44.42
My goals for July were:
1. Only spend $400 for groceries, gas, entertainment, clothes, household basics and misc. My freezer is full thanks to SHARE and my pantry is full too, so I shouldn't need too many groceries, only produce and whatever is on sale.
Close enough at $400.89
2. Walk at least 5 times a week for at least 30 minutes each time.
3. Only go to fast-food restaurants twice and only eat at regular restaurants three times.
Missed this one big time. Went out to fast food restaurants 7 times and went to restaurants 4 times
4. Save $1000 above my 401K contribution and on top of my third paycheck.
5. Save all of my third paycheck for the month.
6. Cook meals at least 2 times a week.
So I made 5 out of 6 goals, that's good.
I also did a networth update for the month of July. My networth increased by 13% I'm excited by that number it's a bigger jump than I expected.
I read Dead as a Doornail by Charlaine Harris. Vampire Romance/Mystery. It's a good book part of an ongoing series. It's funny and different.
Archive for July, 2005
walked with mom for 60 min
This morning I chopped up my veggies for the week and made a potato salad to eat the next couple of days.
Went to our branch library and picked up 10 holds. Then drove in town and went to the main library and got some back issues of Money and Kiplinger's magazines to read. Our branch library is so small they don't carry old issues of these I could get them on old but wanted to look at them first.
Next went to the Discovery Channel store in the mall and got this terrific musical piano toy that has lots of buttons to add drums and strings and rock and country etc. etc. etc. sounds. It was 29.95 and 30% off. Total was 22.50 I had a free GC for $20 that I used so I actually only spent $2.50 If my youngest niece doesn't want it for her birthday in Sept I will probably give it to Toys for Tots in December. I hope my niece wants it, because I love to give her noisy gifts so she can harrass my sister I tell my niece that's her job, to bug her mother and that she does a very good job and deserves a promotion. LOL
Next browsed through Barnes and Nobles writing down more books to put on hold at the library.
I met a friend of mine at the dollar theater and we saw Hitchhiker's Guide to the Galaxy. Funny movie, but very strange. Spent $1 for the ticket. Afterward we went to Cold Stones for ice cream and sat around talking and catching up for about an hour. Spent $3.75 on ice cream.
Stopped at Schlotsky's to pick up dinner on the way home and spent another $5.04.
Total spent so far this month = $337.61 tomorrow is the reckoning to see if I can stay under $400 looks pretty easy today. Although my goal for limiting fast food is totally shot.
Walked with mom for 50 min
Because I did so well with my company stocks I'm going to owe more taxes, (there's always a catch ) so I decreased my deductions on my W2. Now each paycheck is $60 smaller. That's $120 from my monthly budget since I don't count the occassional 3rd paycheck in my budget. I'll have to save less the rest of the year because I can't squeeze it out from anywhere else, or at least I don't want to. If you don't allow for some fun and wants in your budget you're sure to blow it.
Went to Rosie's Diner with my parents for dinner. Spent $7.00 then went to Safeway and got some produce and eggs. Spent $5.05 They had corn on the cob 8 ears for a $1.00 I'm buying some and freezing it for this winter. I love corn on the cob.
Total spent this month so far = $325.32
Finished reading Dance of Death by Douglas Preston and Lincoln Child. Mystery. This was a good book. I like all the books I've read by these authors, they are always unique and slightly different from the usual run of mystery books.
walked with mom for 55 min
No financial stuff today, just work. Finished listening to Devil's Bride by Stephanie Laurens. Romance. Very good book. Went to the library and picked up more holds.
Can't believe it almost Aug.
walked with mom for 55 min
Drove into work today. Stopped by the bank and got some cash then went to the gas station. Gas was 2.17 a gal. Ouch! Spent $22.61
Met a friend for lunch at Black Eyed Pea and spent $11
After I got home I walked with mom and then went to McDonalds for dinner and spent $8.72 another fast food meal I've really busted this goal for the month.
Total spent this month = $313.27 Not sure if I'm going to stay under $400 for the month have plans for both Saturday and Sunday. Since I tend to spend most of my money on weekends and because this month has 5 weekends I think my total might be a little high. We'll see.
Got my last month Longs rebate for $3.00 in the mail and got this month's Walgreens rebate for $4.98 + the $10 Pepsi rebate ready to send tomorrow.
Made a car payment so only have 4 more to go till it's paid for. About 3 years ago I decided to buy a new car. I had the cash saved up, but the dealership was offering 0% financing for 3 years so I decided to keep my cash and finance the car. Because interest rates have been so low the last few years I will only make about $700 in interest over the 3 year period. But even if interest rates were higher I don't think I would refinance at 0% again. I HATE having a car payment every month. It just nags at me. Every month I think I already have this car I've been driving it for x number of months, why am I still paying for it? I don't know why this gets to me so much but it does. Maybe it's because I've been out of debt except for my house for close to 20 years now and I just can't stand it. I've been counting down every month since this started, very aggravating.
Took my youngest niece to see Charlie and the Chocolate Factory. Cute movie. Spent $10.25 Then we went to Taco Bell for dinner, (her favorite) and spent $7.79. I don't count this as eating at a fast food restaraunt. It goes under the time spent with nieces category of my budget.
On the way home I stopped at Walgreens and bought this months FARs and sales. Had a 50 cent coupon on one item so even better than free Spent $8.98. Will get $5.48 of this back in rebates.
Total spent for this month = $304.55
walked with mom for 45 min
Finished listening to A Rake's Vow by Stephanie Laurens. Romance. Good book.
Watched The Incredibles that I borrowed from the libraray. Cute movie.
Sent for my Sargento's Bistro cheese rebate $2.99 finally used up all the cheese so I could get to the UPC.
After some research decided not to buy the computer from Circuit City. Doesn't have hardly any software and I would have to spend about $200 to get what I want, so I'll just wait till the right deal comes along. If it's not back to school there will be good deals at Christmas.
walked with mom 55 min
Got my mail this morning and the discounted credit cards I purchased Wednesday came. So it took about 3 days. Also got the form from Great Fun to fill out for the $20 Gift Card for Exxon/Mobile. Filled it out and sent it.
Went to Safeway this morning for produce and a newspaper. Saved 30% on sales. Spent $9.44
Next went to Albertson's just to get corn on the cob also on sale and spent $2.00
Then went to Longs where my sunflower seeds were 30% off and spent $4.95
All of these stores were on my way so I didn't make any special trips, just start and stop.
Next stop was Media Play. It was a triple points day. If you don't know Media Play has a program were you join their replay club for $7.95 and get 1 pt for every dollar you spend. When you spend 100 dollars you get a $5 rebate. However on triple points days, which happen about once a month, you get triple points or about 15% back on each dollar spent. I only shop their on triple points days and I also get 4% back by using my Nesteggz credit card. If you decide to buy a membership only buy a one year one because on triple points days they renew the membership for free. I didn't know that and bought a two year membership I buy a lot of their stuff around xmas and for the nieces birthdays. They like computer games and CDs. I also buy several books each month for myself. I had a $5 rebate so after the rebate I spent $18.33 and I'll get 19% of that back in rebates.
After Media Play I met my family at Macaroni Grill for my sister's b-day. My parents paid for everyone so no out of pocket money.
Total money spent for month so far = $277.59
Circuit City has an AMD Sempron laptop for $549 and it has all the bells and whistles I've been looking for. I've saved up for a new laptop in my short-term savings fund and I've just been waiting for the right deal. I'm going to do some more research on it tomorrow and will probably buy it Wednesday after work.
I read Stolen Magic by M. J. Putney Romance/Fantasy It was pretty good. Good mindless read by which I mean it keeps your attention but doesn't force you to think to hard
walked with mom for 55 min
This was a money moving day. I took my 2nd paycheck this month and the $1000 I was planning to save this month and some money left from last month and put $3000 in the Vanguard Growth Index Fund. 1 1/4 more months of retirement purchased WOOHOO
Then I transfered the money I have saved for my short-term goals and my Extra Fund to my new ING account. Then I transfered the money I have saved for my property taxes, car and house insurance to my new PayPal money account.
Stopped at McDonalds for an ice cream cone after walking with mom last night so spent $1.06. Well worth it, it's been miserably hot here, Colorado. Supposed to get some rain in the next few days so hope it gets better.
Total spending this month = $242.87
Read House of Gaian by Anne Bishop. Sci/Fi Good book, 3rd of a trilogy.
Walked with mom for 55 min today.
Went to the library and picked up more holds and read this month Money magazine.
Signed up at the following site. If you sign up for $1 for 2 months they send you a $20 ExxonMobil Cash Card. They have discounts on restaurants, movies, theme parks, local tourist or entertainment discounts, (like for bowling or miniature golf) travel deals, car care deals etc. I found a few restaurant things that I will probably get in the 2 month time frame. If you decide to continue with the program it is $9.99 a month. I expect I will cancel after 2 months and just get my $20 card for $1 plus whatever restaurant coupons I like.
Edited to add the $1 to my total spending for the month = $241.81