Archive for February, 2013

Tax Time, 2013

Posted: February 27, 2013 in Budgets

Oh boy this is the one time of year we look forward to the most, tax time – thanks to my wonderful Dad our taxes get filed for us each year and we don’t have to go through the hassle to making an appt. somewhere to have them done all the while worry about the kids being occupied.  We send him the documents required and he files everything via TurboTax and then we wait! It’s been that way for the last, God I can’t even remember.

With that being the case, our taxes for 2012 have been filed and we are waiting for our refunds now, and while waiting I have done a mock-up Budget for the breakdown so we know where our monies will need to go along with where we want them to go, we usually have spent the whole of the refunds by the end of April, so this is not a surprise:

Federal Refund $ 2,557.00 Paychecks In-Comings Mar-Apr
State $ 685.00 Lara $3,579.03 $447.38 * 8 Weeks
$ 3,242.00 Jimmy $1,969.74 $246.22 * 8 Weeks
$5,548.77
Total Incoming $ 8,833.07
Bills To Be Paid:
Car Past Due: $ 695.30
CitiMortgage $ 2,589.00
$ 3,284.30
Wish List:
New Bed for Ashley $250.00
Jean for Lara $75.00
Furniture & Access for Living Room $900.00
Haircut for Lara $40.00
Down Payment on New Car $500.00
$1,765.00
Utilities/General to be Paid:
APM (Austin TKD) $178.00
AT&T $250.00
Blockbuster $42.78
Brigade Boys & Girls Club $560.00
CCA $20.00
CFPUA $295.00
DB Plumbing $160.00
Gas $280.00
Groceries $1,360.00
Hulu.com $15.98
LCA $40.00
L-Student Loans $86.00
OT Solutions $40.00
Progress Energy $300.00
State Farm $130.40
$3,758.16
Total Outgoing $8,807.46
Remaining $25.61

I certainly hope this pans out as we expect!

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Budget Week Ending 02.24.13

Posted: February 23, 2013 in Budgets
Tags: ,

It’s that time again, for the weekly budget – doing the bills bi-weekly I am finding takes the stress off of actually doing the budget because I guess I feel I have more wiggle room each week…that does help some and frankly I could use a little of that in my budget.  So without further adieu, here you go!

Table 1 – All bills/monies split by line-item:

 $  514.10 Lara
 $  226.65 Jimmy
 $  740.75
Avail  $  877.55
 $    65.20 02/23, State Farm, Car Insurance, Auto-Draft
 $  812.35
 $    5.00 02/25, OT Solutions, Austin’s Co-Pay
 $  807.35
 $    5.00 02/27, LabCorp, Auto-Draft
 $  802.35
 $    40.00 02/25, Austin TKD Testing
 $  762.35
 $  170.00 Groceries
 $  592.35
 $    35.00 Gas
 $  557.35
 $    20.00 Jimmy’s Allowance – Bus $ & Cigs
 $  537.35
 $    25.00 Dinner 02/22, Dinner @ McDonald’s
 $  512.35
 $  165.00 CitiMortgage
 $  347.35
 $  165.00 Credit Acceptance
 $  182.35
 $    83.00 1/2 Progress Energy Bill Due
 $    99.35
 $   5.00 02/27, Coastal Behavioral
 $    94.35
 $    25.00 New Phone For House
 $    69.35
5%
 $  3.47 To Merrill Savings
 $    65.88 Bal. Remaining for Week

And then with the bulk cash withdrawal, actually needed $255, but again with only being able to pull twenties from the ATM I took out $260.00

 $  514.10 Lara
 $  226.65 Jimmy
 $  740.75
 $  877.55
 $    65.20 02/23, State Farm, Car Insurance, Auto-Draft
 $  812.35
 $   5.00 02/25, OT Solutions, Austin’s Co-Pay
 $  807.35
 $   5.00 02/27, LabCorp, Auto-Draft
 $  802.35
 $    40.00 02/25, Austin TKD Testing
 $  762.35
 $    5.00 02/27, Coastal Behavioral
 $  757.35
 $  165.00 CitiMortgage
 $  592.35
 $  165.00 Credit Acceptance
 $  427.35
 $    83.00 1/2 Progress Energy Bill Due
 $  344.35
 $  260.00 Cash for Groceries, Gas, Jimmy’s Allowance, Dinner
 $    84.35
 $    25.00 New Phone for House
 $    59.35

This week I waited until after we go paid so I was working with actual numbers!

Lesson Learned: Actual Numbers give a better picture than forecast ones!

TTFN All, until next week’s budget!

Had to go to traffic court this morning for my inspection/registration ticket – thankfully New Hanover County has this process down to a friggin science I swear!

They line you up on two sides of the courtroom, A-K on one side an L-Z on the other according to your last name – they then use a clerk to collect your citation and then you talk to an Assistant District Attorney who then decides if your case is going to either be dismissed, head over to traffic school (for speeders), implement a fine, or pass on your request to speak to the judge, my case it was dismissed – on the whole the process moves quickly, for which I am eternally grateful every time I have to go (and yes with my piss poor driving habits it had been frequent, but has backed off – now it seems I only end up going for this same reason just about every year).  Today I was in and out of the court room in less than 15 minutes – yes 15 minutes – and I still had time to get over to my favorite coffee shop and get me a Latte and some Coffee Cake before heading into work, and all in all I was only an hour late to work.  Not too shabby!!

Here’s hoping next year I don’t run into this issue because whatever vehicle we purchase won’t require a ton of cash in repairs prior to the inspection!

My boss, a seemingly nice person who takes zero responsibility for anything negative happening in our division, and all the credit for everything good that happens in our division, just recently, and I only know this due to observations, purchased a Brand New Macked-Out Mercedes Sedan – 4-Door, Tinted Windows, Nice Chrome Rims, the Works…with what I am guessing to be her annual bonus.  I know this is recent because just last month she didn’t have this vehicle, but she had the same Silver Volvo shes had since I started working here near three years ago…yet to see her driving off yesterday in this brand new car just irritated me.  Not entirely sure why it did, but it did nonetheless…

It’s been said between myself and another woman I work with that she refuses to put as permanent employees (yes I am still listed as a ‘temp’ employee after near three years, this other woman it’s been almost four years) with benefits and paid time off because she wants to keep her overhead CV low so she can continue to draw a large annual bonus – this was not based in fact – that was until yesterday – it was confirmed…while I am somewhat sure she’s “earned” her place as our division Director, I am not sure she’s right in keeping us as ‘temp’ employees while she continues to draw an overly large bonus each year.

I know that new car of hers has to be somewhere around $45,000 – $50,000, HAS to be! And I wonder where my benefits are going…um yeah there they go in her brand new toy!

Lesson Learned: NEVER take the Word of a Two Faced Spoiled Brat! **yes I am irritated and bitter**

Week Ending 02.17.13 Budget, Actual

Posted: February 18, 2013 in Budgets

It’s simply amazing to me how much one or two little things can throw off a budget – in our case here it was a drastic difference in the income…my goodness I was off big time for both of us, my initial numbers showed about $100.00 more coming in that what we actually got, while this didn’t change the budgetary items we needed (i.e. gas, groceries, etc.) it did function to alter how much will be going out next week, it hurts to do that, but it’s the truth of our situation.  Living paycheck-to-paycheck and hand-to-mouth really hurts when something is altered, especially when that something is this dramatic, so here’s our actual numbers:

Again this first set is the line-item breakdown of our finances where they are currently:

On Friday 02.15.13 our paychecks were such:

 $  538.88 Lara
 $  180.66 Jimmy
 $  719.54
Avail  $  736.28  This is the dollar amt avail after payroll is deposited
 $    89.00 02/15, TKD, Auto-Draft
 $  647.28
 $  124.06 02/15, AT&T Payment Due
 $  523.22
 $       5.00 02/18, OT Solutions, Austin’s Co-Pay
 $  518.22
 $       5.00 02/18, CCA, Credit Coll. Agency, Auto-Draft
 $  513.22
 $       5.00 02/20, LabCorp, Auto-Draft
 $  508.22
 $    65.20 02/20, State Farm, Car Insurance, Auto-Draft
 $  443.02
 $       7.99 02/21, Hulu.com, Auto-Draft
 $  435.03
 $  170.00 Groceries
 $  265.03
 $    35.00 Gas
 $  230.03
 $    20.00 Jimmy’s Allowance – Bus $ & Cigs
 $  210.03
 $    25.00 Dinner 02/15, Pizza @ Incredible’s Pizza
 $  185.03
 $    20.00 Clothes For Kids
 $  165.03 Remaining for Bills to be Paid 02/22/13

This second set of numbers is with the Gas, Groceries, Jimmy’s Allowance, Dinner and Clothes for the Kids (totaling  $270.00, had to take out $280.00 due to the ATM only dispensing in amount multiples of $20.00) in a lump sum cash withdrawal:

 $  736.28
 $    89.00 02/15, TKD, Auto-Draft
 $  647.28
 $  124.06 02/15, AT&T Payment Due
 $  523.22
 $       5.00 02/18, OT Solutions, Austin’s Co-Pay
 $  518.22
 $       5.00 02/18, CCA, Credit Coll. Agency, Auto-Draft
 $  513.22
 $       5.00 02/20, LabCorp, Auto-Draft
 $  508.22
 $    65.20 02/20, State Farm, Car Insurance, Auto-Draft
 $  443.02
 $       7.99 02/21, Hulu.com, Auto-Draft
 $  435.03
 $  280.00 Cash for Groceries, Gas, Jimmy’s $ & Dinner 02/15/13
 $  155.03 Remaining for Bills to be Paid 02/22/13

Let’s just hope next week we bring in slightly more…

Lesson Learned: Can’t bank everything in predictions or rather forecasting.

Car Inspection…

Posted: February 15, 2013 in Uncategorized

Is done and went well, the car Passed, Woohoo!! Once Less thing to worry about, $30.00 spent there, Thank Goodness for that!

Left my hubby at the License Plate agency to get the sticker for the car, $28.00 going there

This all came from last weeks budget and the cash was sitting in my wallet, I am very relieved to hear this and very happy that it’s all getting resolved today.

Court next Friday @ 8am, should be dismissed with the paperwork, but it’s been a very long road.

After our taxes are filed we can make the back due payments on the car and then begin to search for a replacement for this money pit!

Week Ending 02.17.13 Budget

Posted: February 14, 2013 in Budgets

Here’s the first of many to follow, our Weekly Budget – my Weeks will run Monday to Sunday, like my pay periods – this is this week’s Mock-up Budget, right now I have roughly $12 sitting in the bank, the starting amount of $774.89 does not include that $12 – as I don’t know 100% what the pay will look like, I can only use what I do know based off of what was previously paid to us for weeks with a similar hours count:

 $  551.05 Lara
 $  223.84 Jimmy
 $  774.89  Total Paid
 $    89.00 02/15, TKD, Auto-Draft
 $  685.89  
 $  130.00 02/15, AT&T Payment Due
 $  555.89  
 $       5.00 02/18, OT Solutions, Austin’s Co-Pay
 $  550.89  
 $       5.00 02/18, CCA, Credit Coll. Agency, Auto-Draft
 $  545.89  
 $       5.00 02/20, LabCorp, Auto-Draft
 $  540.89  
 $    65.20 02/20, State Farm, Car Insurance, Auto-Draft
 $  475.69  
 $       7.99 02/21, Hulu.com, Auto-Draft
 $  467.70  
 $  170.00 Groceries
 $  297.70  
 $    35.00 Gas
 $  262.70  
 $    20.00 Jimmy’s Allowance – Bus $ & Cigs
 $  242.70  
 $    25.00 Dinner 02/15, Pizza @ Incredible’s Pizza
 $  217.70 Remaining for Bills to be Paid 02/22/13
 $  551.05 Lara
 $  223.84 Jimmy
 $  774.89  Total Paid
 $    89.00 02/15, TKD, Auto-Draft
 $  685.89  
 $  130.00 02/15, AT&T Payment Due
 $  555.89  
 $       5.00 02/18, OT Solutions, Austin’s Co-Pay
 $  550.89  
 $       5.00 02/18, CCA, Credit Coll. Agency, Auto-Draft
 $  545.89  
 $       5.00 02/20, LabCorp, Auto-Draft
 $  540.89  
 $    65.20 02/20, State Farm, Car Insurance, Auto-Draft
 $  475.69  
 $       7.99 02/21, Hulu.com, Auto-Draft
 $  467.70  
 $  260.00 Cash for Groceries, Gas, Jimmy’s $ & Dinner 02/15/13
 $  207.70 Remaining for Bills to be Paid 02/22/13

The first set of columns is the line item break-down  and the second set of columns is the simpler version where the Gas, Groceries, Jimmy’s Weekly Monies and our Dinner Expense is lumped into one cash amount that I’ll withdraw from the bank Friday evening.  We’ve gone the cash route for these as it eliminates un-necessary spending on items we think we need but eventually discover we truly did not need.

I will add an update on Saturday of the actual numbers…it intimidates me slightly to put the actual numbers out there electronically as we’ve not had the best of luck with electronic budgets and checkbooks – it would seem they curse us, so I am putting this out there with good faith that we’ll be ok…just ok…