Posts Tagged ‘Cash’

Oh yeah I am very excited with how our budget played out!  In the end we only spent $2.00 – oh YEAH $2.00 from our checking account from the time of last week’s budget until Pay Day on Friday the 11th! WHAT?!?!?! Sadly though hubby had to make some purchases Friday to get himself home/lunch, and those are going to show below, but we were able to stay out of the account! I am very excited about this!!

And, I finally took home to cash box to empty out and we had $52.64 in it! WHAT?!?! Yup! Roughly $15.00 of that was change, but hey I can’t reasonably fuss!  So when I added the change to what we already had at home; took that to a Coin Star machine and dumped it in we had $44.90 in change overall! HOLY FRIGGIN CROW! If ya’ll could have seen Austin’s face when he saw the number on the screen it was truly truly priceless LOL!!! Combine that with the cash we had I was looking at about $85.00! So off we went, picked my daughter up from a friends house and then over to Party City to get Costumes, and drumroll please…total cost for both $47.01 – next we hit my hubby’s work to visit with him and apparently the customer he was helping came in and paid him for the last two weeks’ work, adding $20.00 to my pocket cash on hand, made it about $65.00, roughly I didn’t count it right there in the store.  So off to Target we went to get some minor accessories for the kids’ costumes and a pumpkin carving kit, $21.02 there and BAM! Costumes are done for less than $60.00! BAM BAM BAM! I’ll take that! Pumpkins are next, coming this weekend! The kids are very excited to say the least!

All of the above happened after our trip to the salon (Ashley & I) and grocery shopping w/Gas we were well under budget on everything this weekend! So I am holding the cash until we purchase pumpkins and some socks for James and what’s left will go back into savings for Christmas!  That’s next on my ‘to do’ list, figuring out how much we’ll need for Christmas…fun right?!?! Jimmy & I need to sit down and figure that out.

Alright here we go, time is running low so I am going to put this out real quick before I have to head home for the day:

 $35.44 Remaining from W/E 09/08/13  $504.83 Lara W/E 10/06/13 Salary, Pay Date 10/11
 $18.20 Amt. Spent  $241.95 Jimmy W/E 10/06/13 Salary
 $17.24 Avail. Starting  $746.78
 $1.92 Office Max  $17.24 Avail. Starting
 $0.31 KTC  $746.78 Total Pay
 $6.00 PetsMart  $764.02 Avail. For Bills
 $5.77 Cigarette City  $2.73 Adj.
 $3.20 Dollar Tree  $761.29
 $1.00 PetsMart
 $18.20

i actually cancelled Austin’s appointment at OT on Monday as their insurance is still up in the air, Jimmy went back to DSS yesterday and submitted everything, our case worker told him she THINKS their insurance is still active through the end of Oct. but even still with the new pay stubs and our daycare costs being accounted for we re-qualify w/the annual deductible of $100.00, $50.00/child; So I am hopeful it goes through this time! Austin needs his Concerta filled ASAP! (no he’s not medicated, he’s been using some of Ashley’s old dosage in place of his own…I know we’re not supposed to do that, but I can’t send him to school un-medicated)

 $761.29
 $70.00 Brigades Boys & Girls Club
 $691.29
 $   – OT Solutions
 $691.29
 $200.00 Groceries
 $491.29
 $25.00 Jimmy’s Money
 $466.29
 $30.00 Dinner, 9/13
 $436.29
 $40.00 Gas
 $396.29
 $25.00 Cat & Dog Food
 $371.29
 $5.00 CCA, 10/14 Auto Draft
 $366.29
 $89.00 APM Int’l, 10/15 Auto-Draft
 $277.29
 $110.00 AT&T
 $167.29
 $111.00 Great Lakes
 $56.29
 $30.00 L&Ashley Haircuts
 $26.29  $26.29
7%  $1.84
 $1.84  $24.45

I budgeted just a tad, $5.00, more for dinner Friday night because we all were getting bored of Pizza so we opted to eat at the food court at the mall and it costs just a little more than the normal $25.00 we spend for Pizza, overall I believe it was something like $28-$29.  Ashley & I’s haircuts came in right at $30.00, so we’re all set for that for the next couple of months.

What I do wish was that my Great Lakes payment remained the $48.00 it was previously…guess the US Gov’t thinks I can afford more…UGH

 $761.29
 $70.00 Brigades Boys & Girls Club
 $691.29
 $  – OT Solutions
 $691.29
 $360.00 Cash for Week
 $331.29
 $5.00 CCA, 10/14 Auto Draft
 $326.29
 $89.00 APM Int’l, 10/15 Auto-Draft
 $237.29
 $110.00  AT&T
 $127.29
 $111.00 Great Lakes
 $16.29
 $1.84 Merrill Transfer
 $14.45

So that’s that! I am off, it’s quitting time! I will see ya’ll tomorrow!

Ok I am just going to say it – I am sick and F*ng tired of not being paid for days off…it’s getting to the point that I can’t even pay my bills because I want a couple of days off of work – my boss once again wants to have a “General Discussion” regarding this email I sent her the night we returned the car to the dealership:

“Good Afternoon Kim,

 Just wanted to sent a note to speak with you about a possible salary increase/raise.  After three years of dutiful employment, completing any and all tasks requested in addition to my regular duties I feel it is time to discuss the possibility of a pay increase.
 
Please let me know if this is something we can discuss further.
 
Thanks!”
This I am certain will be just another one of her atypical “We haven’t decided what we’re doing with your position” or “The current situation of XXXX is not compatible with pay raises for temps” blah blah blah…frankly it’s getting to sound more and more like she’s a politician and not a manager…sickening honestly! I have zero respect for this woman and if the job market wasn’t so bleak in Wilmington I might be inclined to look for work elsewhere…as it is I am thinking of trying to find other avenues for making some extra cash – possibly jumping into the world of Freelance writing…my publishing career is once again stalled as I’ve been so wrapped up with our financial problems I haven’t had time to do anything with it…that post will be on my other blag shortly…
As it is this week’s budget is very brief, as with the shortage of our pay due to me being off two days last week (I only keyed/worked 26.5 hrs. last week) and there not being enough work to fill the balance 14.0 hrs. I would have worked I couldn’t justify logging in and just getting hours for doing nothing…so here we are, another short-pay week, it hurts like an SOB and I am so very tired of it all!
With that being said – here’s the budget this week:
 $110.31 Remaining from W/E 08/04/13  $304.07 Lara W/E 08/04/13 Salary
 $76.90 Amt. Spent  $259.13 Jimmy W/E 08/04/13 Salary
 $33.41 Avail. Starting  $563.20
 $7.49 PetsMart  $33.41 Avail. Starting
 $4.99 Office Max  $563.20 Total Pay
 $1.02 Target  $596.61 Avail. For Bills
 $18.44 Hobby Lobby  $250.00 Unpaid Car Repairs
 $8.85 Target  $846.61
 $6.39 Wal-Mart  $88.00 Unexplained Discrepancy
 $5.23 Harris Teeter  $934.61
 $3.18 PetsMart
 $1.00 Wal-Mart
 $4.96 KTC
 $4.12 Harris Teeter
 $5.95 Target
 $5.28 Everybody’s IGA
 $76.90

 

Ok two things here:

1.  We haven’t paid Scott yet for the repairs to the car, we’re waiting on him to find a seal for our intake system and then install it before we pay  him, so that $250.00 (down from the initial $275.00 from last week, as that’s what he and Jimmy agreed to) was put back into the budget

2.  The $88.00 discrepancy was the difference between what my spreadsheet said was available and what my checkbook said was available – not sure where it came from but it worked in my favor so it got plugged back into the budget.

Like I said it’s a  brief week – with just one item coming out directly from the account this week – Austin’s TKD payment and then payment on the utility and DB Plumbing (which BTW has just one more payment!!! WOOHOO!! and then that money will go back into the budget!)

 $934.61
 $25.00 DB Plumbing
 $909.61
 $80.00 Brigades Boys & Girls Club
 $829.61
 $5.00 Tate & Kirlin
 $824.61
 $5.00 OT Solution
 $819.61
 $89.00 APM
 $730.61
 $170.00 Groceries
 $560.61
 $25.00 Jimmy’s Money
 $535.61
 $25.00 Dinner, 8/9
 $510.61
 $25.00 Cat & Dog Food
 $485.61
 $35.00 Gas
 $450.61
 $100.00 CFPUA
 $350.61
 $250.00 Car Repairs
 $100.61

Now I did re-budget for the car repairs this week as I fully expect to be paying Scott before the week is out, he rightfully deserves it! He’s saved me a TON of cash!

 $934.61
 $25.00 DB Plumbing
 $909.61
 $80.00 Brigades Boys & Girls Club
 $829.61
 $5.00 Tate & Kirlin
 $824.61
 $5.00 OT Solutions
 $819.61
 $89.00 APM
 $730.61
 $260.00 Cash for Week
 $470.61
 $100.00 CFPUA
 $370.61
 $35.00 Gas
 $335.61
 $250.00 Car Repairs
 $ 85.61

Now I’ve had to keep Gas as a separate budget item from the Cash for the week as I have to stop and get gas on my way to get the kiddos tonight – running the AC (per Scott – to keep the car from stalling at a red light/when idle – it’s something to do with the missing seal and the intake system) all the time has eaten my gas and I am down to almost empty as of this morning’s drive into work – not enough to get me to Brigades, Bank and then a Gas station (they are too spread out in town), otherwise everything remains the same!

Well that’s enough from me, Jimmy’s off tomorrow so I am hoping we can hit the beach!

Have an Awesome Weekend Everyone! Until Next Week!

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!

It’s another week where it seems like all the funds come in and immediately go back out again – we have a lot of auto-drafts this week which have eaten into all of our funds to carry over into next week…don’t like this one bit…but we have to adapt and move forward.  I’ve paid the 2nd part of the car payment and we’re two weeks ahead on that one, which makes me very happy, but at the same time we’re going to be behind again on the mortgage – sincerly hope Citi gets their sh*t together soon.  The last email I got from them on Wednesday said it would be six (6) days until a final decision, which puts us at about Tuesday next week.  Our counselor called us the next day and when Jimmy went to call him back “conveniently” he wasn’t available…so he asked for his manager and sat on hold for almost a half an hour until he had to leave for work, going to try calling again tomorrow…this is has been the most frustrating process.  UGH! Seriously hoping we can hold onto things this go round and keep our payments on time…once this is done I swear we’re going car shopping so I can get out from under the car.

Speaking of, it’s decided more repairs are needed – now my brakes are squealing sometimes (yup roters – $$$) and they grind like metal on metal sometimes when I apply the brakes (roters again = $$$)…I sincerly don’t want to put funds into the car for repairs, we have the money I just really would prefer to get something that is slightly newer and doesn’t need any repairs almost immediately.

Ok onto the budget for the week…like I said lots of auto-drafts this week:

 $87.24 Remaining from W/E 05/12/13  $ 501.19 Lara W/E 06/16/13 Salary
 $80.00 Amt. Spent  $180.83 Jimmy W/E 06/16/13 Salary
 $7.24 Avail. Starting  $682.02
 $11.48 Wal-Mart  $7.24 Avail. Starting
 $6.40 Hobby Lobby  $682.02 Total Pay
 $5.32 Atlanta Bread  $689.26 Avail. For Bills
 $10.19 Wal-Mart  $50.00 Deposit 6/16 for James’ Father’s Day
 $8.11 PCJ  $739.26
 $3.96 KTC  $20.00 Withdrawn for James
 $5.98 McDonald’s  $719.26
 $1.99 Amazon.com  $40.00 In From Merrill to Cover Short/Prevent OD
 $20.00 NH Medical Group  $759.26
 $6.57 Chick Fil-A
 $80.00

We over did it last week that’s for sure…Father’s day was last Sunday and while Jimmy kept it simple we still spent a small amount on drinks/snacks while cruising Mayfaire, but then another trip to the Dr’s cost me another $20.00 – we have a Medical Savings account we could use to pay these co-pays and for prescriptions – I believe it’s time to check on that account balance and see how much we have available – might help offset some of the expenses we have coming.  I have two appointments and a prescription to pick up – he has I am sure follow-up appointments to check his INR’s and more prescriptions, so yeah that’s on my ‘to do’ list.

Alright here we go:

 $759.26
 $25.00 DB Plumbing
 $734.26
 $80.00 Brigades Boys & Girls Club
 $654.26
 $5.00 OT Solutions
 $649.26
 $7.99 Hulu.com, 6/21 Auto-Draft
 $641.27
 $21.39 Blockbuster.com, 6/23 Aut-Draft
 $619.88
 $5.00 CCA, 6/24 Auto-Draft
 $614.88
 $64.47 State Farm
 $550.41
 $185.00 Credit Accept
 $365.41
 $170.00 Groceries
 $195.41
 $25.00 Cat & Dog Food
 $170.41
 $25.00 Jimmy’s Money
 $145.41
 $25.00 Dinner, 6/21
 $120.41
 $40.00 Gas
 $80.41
 $30.00 Jimmy’s Rem. Father’s Day$
 $50.41

And with the lump sum cash withdrawal:

 $759.26
 $25.00 DB Plumbing
 $734.26
 $80.00 Brigades Boys & Girls Club
 $654.26
 $5.00 OT Solutions
 $649.26
 $7.99 Hulu.com, 6/21 Auto-Draft
 $641.27
 $21.39 Blockbuster.com, 6/23 Aut-Draft
 $619.88
 $5.00 CCA, 6/24 Auto-Draft
 $614.88
 $64.47 State Farm
 $550.41
 $185.00 Credit Acceptance
 $365.41
 $320.00 Cash for the Week
 $45.41

I will say this we came in FAR under budget on both the groceries and gas, so those extra monies were used to purchase some misc. items we needed around the house and I took the kids to lunch at McDonald’s today (a rare treat let me tell you!)…

Well that’s all folks until next week!

Have a Good One and Try to Stay Dry! 😉