Man alive am I behind schedule HUGE this week…I should have posted this on Friday but the weekend got away from us, so here we are on Monday.
That being said our Weekly Cash withdrawal wasn’t enough…WHAT?!?!? We went over budget on just about everything except gas, I went to Target on Friday night and spent $15.00 then we turned around and went to Wal-Mart on Saturday afternoon and I spent another $15.00 for dinner Sat night, then we went and did our weekly shopping on Sunday morning and spent $179.00 – so we were $30.00 over budget all around and that left me with $0.00 for my co-pay at the lab this morning. BUT thankfully because I didn’t see the doctor there wasn’t a co-pay – which is fine with me because UHC would have just sent it back to us in a couple weeks. We also have the HRA debit card that I could have used to pay for the co-pay as needed, as is I used it to pay for my prescriptions yesterday morning, which was $8.00. So that left me feeling less than stellar about our finances and I wasn’t all too thrilled about having to make necessary adjustments to the budget this week to accommodate these overages – BUT it would seem that fate had another thought in mind – I went to OT Solutions this morning and what do I see on the ground outside?? What I thought was a $5.00 bill turned out to be a $50.00 bill!! WHAT??!?! I was very happy to see that! We are putting that into the bank today!
Alright so here we go – the hours I worked were considerably less due to the 4th of July and my office being closed for Thurs/Friday that week – yes while I was able to get about 12.0 hrs. those two days, it still hit my paycheck hard and I lost about $70.00 worth of pay…
| $23.03 | Remaining from W/E 06/30/13 | $449.07 | Lara W/E 07/07/13 Salary | |||||
| $33.21 | Amt. Spent | $360.23 | Jimmy W/E 07/07/13 Salary | |||||
| $(10.18) | Avail. Starting | $809.30 | ||||||
| $0.90 | KTC | $(10.18) | Avail. Starting | |||||
| $1.61 | Wal-Mart | $809.30 | Total Pay | |||||
| $1.00 | PetsMart | $799.12 | Avail. For Bills | |||||
| $1.81 | PetsMart | $55.00 | Put Back from Ot, Paid in Cash, Cash Found | |||||
| $3.99 | Amazon.com | $854.12 | ||||||
| $8.13 | Incredible Pizza | |||||||
| $15.77 | McDonald’s | |||||||
| $ – | ||||||||
| $ – | ||||||||
| $33.21 | ||||||||
The previous week we had managed to stay out of our checking account, which is amazing! We haven’t had any need to swipe the debit card however that changed as you can see above…because we aren’t actually doing the final budget until today, Monday. WOW!
I have some other items to discuss regarding this which will be in another post – as we’ve made some goals for ourselves in order to stay on target with our budget and not get so far behind.
Alright here’s the breakdown:
| $854.12 | |||
| $25.00 | DB Plumbing | ||
| $829.12 | |||
| $80.00 | Brigades Boys & Girls Club | ||
| $749.12 | |||
| $5.00 | OT Solutions | ||
| $744.12 | |||
| $125.00 | AT&T | ||
| $619.12 | |||
| $170.00 | Groceries | ||
| $449.12 | |||
| $25.00 | Cat & Dog Food | ||
| $424.12 | |||
| $25.00 | Dinner, 7/12 | ||
| $399.12 | |||
| $25.00 | Jimmy’s Money | ||
| $374.12 | |||
| $40.00 | Gas | ||
| $334.12 | |||
| $89.00 | APM Int’l | ||
| $245.12 | |||
| $20.00 | L-Co-Pay | ||
| $225.12 | |||
| $150.00 | Citi | ||
| $75.12 | $75.12 | ||
| 7% | $5.26 | ||
| $5.26 | $69.86 | ||
And now with the cash withdrawal:
| $854.12 | |||
| $25.00 | DB Plumbing | ||
| $829.12 | |||
| $80.00 | Brigades Boys & Girls Club | ||
| $749.12 | |||
| $5.00 | OT Solutions | ||
| $744.12 | |||
| $125.00 | AT&T | ||
| $619.12 | |||
| $320.00 | Cash for the Week | ||
| $299.12 | |||
| $89.00 | APM Int’l | ||
| $210.12 | |||
| $150.00 | Citi | ||
| $60.12 | |||
| $5.26 | Merrill Transfer | ||
| $54.86 | |||
So I am a tad happier with what we have here – I decided to pay some more to the Mortgage vs. the car payment as Citi needs the funds more than Credit Acceptance, so now we’ll spend the money over the next three weeks paying it – as we’re going out of town the Weekend of the 26th to visit family in MD and our budget that week will be vastly different as we need to pay for a rental car, gas, food and entertainment that weekend. I only wish I had some overtime to help offset some of those expenses.
So I hope everyone has a Good Week!
Our next post will be the goals we’ve set forward for ourselves!
Financial Lessons Learned; Trials and Tribulations 
Just wondering – is the Brigades Boys and Girls Club some kind of childcare payment?
Yup it’s our kids’ day camp/after school care during the school year – my husband recently was able to get a guarantee’d 38 – 40 hours a week at his job – so now we have two (2) full time hours/incomes we needed the daycare for the kiddos. They are by far the cheapest in town, that $80/week during the summer is full-time day camp with breakfast and lunch included. During the school year it’s $70/week with transportation from school, snack and homework help. It’s truly a great program!