Week Ending 09.15.13 Budget and….and…and…Drumroll PLEASE!

Posted: September 23, 2013 in Budgets, Financial Organization
Tags: , , , , , , , , , ,

MISC. SPENDING HAS BEEN BROUGHT UNDER CONTROL!! We only hit the checking account twice last week for small drafts and didn’t spend hardly anything at all!  I am very proud of us!!!  I have literally been on pins and needles waiting to share this wonderful accomplishment with everyone!

The only reason we had (1) stop at PCJ (Port City Java, Wilmington’s answer to Starbucks, but WAY better!) was because Jimmy was running a headache (the extra shot of espresso is an easy fix for a headache) and I needed some coffee, so we stopped at the PCJ by the Wal-Mart we shop at and grabbed (2) small Latte’s and the kiddos some snacks.  On Thursday after Girl Scouts, I did run to Starbucks and picked up a new travel mug to replace the one I got for Christmas from my manager – it broke last Wednesday morning when I dropped it while washing it – I was able to use the rest of a Gift Card I got for my BDay from my In-Laws to pay for the bulk of it and the remaining balance was very small ($2.56) so I didn’t fuss!

But aren’t you guys proud of us! We’ve been trying to do this for EONS and somehow we managed it last week!

This is good because as I was reviewing our overall financial picture this morning did I realize that we are way over our heads financially and this cut-back will help us recuperate the overage elsewhere…

After putting into a small spreadsheet everything we have going out, this is what I came up with while sitting at OT Solutions waiting for Austin to get done with his therapy session:

The income numbers I used was what we were paid on Friday – you’ll see these replicated below – and these are our monthly numbers for everything using a 4.25 multiplier on the weekly expenses – used instead of 4 as there’s something like 4.25 – 4.5 weeks in any given month:

 $496.56  $2,110.38
 $258.92  $1,100.41
 $755.48  $3,210.79
 $830.00  Citi
 $297.50  Brigades
 $337.00  Credit Acceptance
 $850.00  Groceries
 $170.00  Gas
 $64.47  State Farm
 $89.00  APM Int’l
 $21.39  Blockbuster
 $7.99  Hulu.com
 $111.00  Great Lakes
 $106.25  Pizza Dinners
 $106.25  Jimmy’s Money
 $106.25  Cat & Dog Food
 $125.00  Progress Energy
 $125.00  AT&T
 $105.00  CFPUA
 $21.25  OT Solutions, Inc.
 $3,473.35

Leaving a Difference of: ($262.56)

OUCH! No wonder we’re broke as sin!  Even if I cut back the weekly pizza expense and when APM Int’l is done in November with Blockbuster being cancelled (as will be done this week) – I will still have that $25.00 in my grocery budget to pay for food on those nights and with the possibility of cutting out OT  – Austin’s therapist is talking of possibly transitioning him out as she doesn’t feel it’s needed any longer – we’re still in the hole: ($130.92)!

Our biggest expense is the house – and with our payments being as inconsistent as they have been our Escrow account has been overdrawn so now we’re having to make-up that difference in our payments as we were also unable to make the extra payment for just the escrow account thus causing the monthly payment to jump up from $765.00/mos to $830.00 – OUCH!

Alright here we go with this week’s numbers:

 $35.11 Remaining from W/E 09/08/13  $496.56 Lara W/E 09/15/13 Salary, Pay Date 9/20
 $15.95 Amt. Spent  $258.92 Jimmy W/E 09/15/13 Salary
 $19.16 Avail. Starting  $755.48
 $12.59 PCJ  $19.16 Avail. Starting
 $0.90 KTC  $755.48 Total Pay
 $2.46 Starbucks  $774.64 Avail. For Bills
 $   –  $5.00 Unpaid to OT Solutions
 $15.95  $779.64

And the overall breakdown:

 $779.64
 $70.00 Brigades Boys & Girls Club
 $709.64
 $10.00 OT Solutions
 $699.64
 $200.00 Groceries
 $499.64
 $25.00 Jimmy’s Money
 $474.64
 $25.00 Dinner, 9/20
 $449.64
 $40.00 Gas
 $409.64
 $25.00 Cat & Dog Food
 $384.64
 $7.99 Hulu.com, 9/21 Auto-Draft
 $376.65
 $21.39 Blockbuster.com, 9/23 Auto-Draft
 $355.26
 $5.00 Coastal Beh. 9/25
 $350.26
 $64.47 State Farm, 9/24 Auto-Draft
 $285.79
 $200.00 Credit Accept
 $85.79
 $30.00 Boys’ Haircuts
 $55.79  $55.79
7%  $3.91
 $3.91  $51.88

And…with the lump sum cash withdrawal:

 $779.64
 $70.00 Brigades Boys & Girls Club
 $709.64
 $10.00 OT Solutions
 $699.64
 $360.00 Cash for Week
 $339.64
 $7.99 Hulu.com, 9/21 Auto-Draft
 $331.65
 $21.39 Blockbuster.com, 9/23 Auto-Draft
 $310.26
 $5.00 Coastal Beh. 9/25
 $305.26
 $64.47 State Farm, 9/24 Auto-Draft
 $240.79
 $200.00 Credit Accept.
 $40.79
 $3.91 Merrill Transfer
 $36.88

And that left me with just over $18.00 cash to put into the savings jar this morning! We’re well on our way to being able to fund Halloween! YEAH!

Well that is all from me for this Week! Until next week!

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