Week Ending 06.30.13 Budget…Where Does the $$$ Go?

Posted: July 5, 2013 in Budgets
Tags: , , , , ,

I am seriously curious, where does our money go? I thought I had a good handle on things, seems not so much – we’re behind on just about everything – Electric Bill, Internet/Phone, Mortgage – some pretty big ones – the car payment and water bill we’re current on and that’s it – and that my friends bugs the crud out of me – I wish beyond all wishes we were current on our mortgage, would make our lives so much easier – we’re STILL, yes STILL waiting on a response from Citi regarding the restructure and I am getting very impatient for an answer – seriously wish they’d just tell us something – anything…ah the lamenting story of my life.

So where are we – surprisingly we’re behind again – while we received three (count them 1-2-3) checks from our Health Insurance for reimbursements for co-pays made for office visits and another check from LCA (must’ve missed a payment going out before the account was paid in full) – so that’s an additional $65.00 that came in this week – all that did was bring us up to where we should be vs. where we are currently.   I am trying beyond reason to figure out why my hubby’s paychecks have been far less than we had been seeing, between $170 – $180 the last couple of weeks vs. the $210 – $220 they had been – that difference of $40 – $50.00 is HUGE for our budget.  So I had to make a lump sum payment to Progress Energy this week and a reduced payment to Citi in order to keep our electric on and I am going to have to reallocate funds next week to AT&T to keep the phone/internet on and then find extra funds to help get our electric bill current so I don’t have to do this again in a couple of weeks…UGH UGH UGH! I am so frustrated!

So here we go:

 $35.29 Remaining from W/E 06/23/13  $491.38 Lara W/E 06/30/13 Salary
 $49.78 Amt. Spent  $170.15 Jimmy W/E 06/30/13 Salary
 $(14.49) Avail. Starting  $661.53
 $2.99 Amazon.com  $(14.49) Avail. Starting
 $1.61 Target  $661.53 Total Pay
 $1.45 KTC  $647.04 Avail. For Bills
 $15.97 Target  $65.00  Refunds from UHC + $5.00 Put Back from OT, Pd in Cash
 $2.27 PetsMart  $712.04
 $15.97 Target  $15.99 Adj.
 $6.00 Tommy’s  $728.03
 $3.52 Target

So as you can see our breakdown above shows we overspent – and we do this week in and week out – I am going to be doing a summary soon to figure out where our money is actually going to so we can try and figure out ways to trim our budget and put money back to pay the mortgage.

 $5.00 Tate & Kirlin, 7/10 Auto-Draft
 $80.00 Brigades Boys & Girls Club
 $5.00 OT Solutions
 $140.00 Progress Energy
 $170.00 Groceries
 $25.00 Cat & Dog Food
 $25.00 Dinner, 7/05
 $25.00 Jimmy’s Money
 $40.00 Gas
 $175.00 Citi

As you can see I had to skip paying DB Plumbing this week – which is putting us behind by a week with them – but the money just wasn’t there with the auto-draft of Tate & Kirlin and the $140 to Progress – it is these things we try to balance each week and where we come up short…

 $5.00 Tate & Kirlin, 7/10 Auto-Draft
 $80.00 Brigades Boys & Girls Club
 $5.00 OT Solutions
 $140.00 Progress
 $300.00 Cash for the Week
 $175.00 CitiMortgage

So that’s all I have to say this week – if there’s anyone out there who has some suggestions I am open to hearing them…

Have a Good Weekend Everyone!

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