Tuesday, January 31, 2012

Day to Day Life

First off....where were you all yesterday???  I know this is going to sound ridiculous...but I didn't get one comment, and my page views were WAY down.  Either everyone is super busy, or I am boring.  The world revolves around ME, so you know I am taking it personally!

Anyway, this is the last day of the month, so thought I would wrap up a few changes to report.....nothing of consequence....just the day to day little things.....

1)  I have cut my check writing way down.  I now pay for the kids lunch in cash (I get mostly ones at the bank for this....they probably think I am going to the strip club....).  Since I have to go to the bank to deposit my paycheck, I just take care of it while I am there.

2)  Our electric bill has gone down $6 a month.  We are on a budget plan, so we pay the same amount each month (instead of the huge spike in the summer due to the A/C).  Woo woo.....$6.  It is already going to go to the new cell phone bill (more on that next week).  One place giveth, another taketh.

3)  Our overpayment from the retirement loan arrive.  It was $16.XX.  So about $2 more than we thought.  Woo.  Woo.

4)  Some how we way overspent in the past week.  I know about the unbudgeted gifts (roughly $100 total).  The best I can figure is that because February is a 3 paycheck month for me, some items came out from my second January paycheck that normally get paid later. We had to dip into our savings a little (not the EF).  I hate doing it.  The savings acct is lower than I am comfortable, so I will need to replenish that.  While I wish it could just be from my extra February paycheck, that is already alloted for "catch-up" on the oil bill. (Yes, I am a little behind.  $342 a month is alot of money!!!  By the end of February we will be all caught up again)

As usual....I am looking forward to payday tomorrow so I can pay a few bills.  And G-man's check next week will have OT (which is going into a separate account) AND Holiday (MLK Day).  Plus, it won't have the retirement loan coming out.....so I am curious to see what it will look like.  I know that it will be an oddball check, as having all of those things happen at once isn't typical.  But I am looking forward to it.

Nothing major to report.....just the day to day life stuff!


  1. Sorry to hear that no one commented yesterday! Lame! I just read it today as I was working pretty much all day (11 hours...ugh.) I'm exhausted. I don't comment much but I do want you to know that I love your blog and reading it has seriously transformed how I do all of my budgeting. Keep up the good work :)

  2. I thought I had commented, but I guess not, sorry. Anyhow, your plan of action for February looks good and I am sure you will achieve everything on it.

    I posted my goals etc for the challenges today also.

    Gill in Canada

  3. I'm sorry dearest - I am at a training conference all this week.

  4. "One place giveth, another taketh." ... so true.

  5. I don't remember yesterday, I was in a fog of getting ready for the new month after realizing how broke I was going to be. I thought the world revolved around me....I wish my husband could earn over time.

  6. Things look better for you next month. It's awesome!! I miss times when my Hubby had overtime too. It's always nice to get a little extra.

  7. I frequently comment & then exit the blog before I remember to enter the spam/security phrase. And, sometimes I have days/posts like that to. :-)

    And totally agree with you on the one bill up/one bill down. Funny how that works.

  8. What, you weren't invited to the party? My laundry day party. It was awesome.

    It couldn't all go down, that would go against all things sane.

  9. I didn't read my blogs at all yesterday. I bet your views and comments are through the roof today!

  10. Isn't it weird that some posts hit home and you get a ton of comments and some you get none? In 3+ years of blogging I still can't figure out the formula lol.

    Anyway I am so happy that you guys killed off the retirement loan since the last time I was here....what are you going to focus that payment towards now?

  11. I am such a baby....I need to be loved!!!! Thanks guys!

    @Evan - long time no see! Now that the retirement loan is gone, that money goes to pay for the car (my car died in November and I had to buy a new one). My car payment is just over what we were paying per month on the retirement loan. So it isn't making a dent....just fulfilling the minimum requirement.