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!

11 comments:

  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 :)

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  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

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

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

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  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.

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  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.

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  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.

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  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.

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

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  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?

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  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.

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