Posts Tagged ‘Pumpkins’

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!

Financial Roller Coaster

Up and Down

Around and Around

Up and Down

Back and Forth

I swear to Goddess my life, especially our financial life, never stays consistent – not sure if it’s us, the economy, our jobs, or what, but I can’t make hide nor hair of any of it…one week it seems we’re ok, then the next I review the overall numbers and we’re down – we try to find ways to cut back on spending, but I hate to say it we’re at bare bones as it is – with the ever increasing cost of living our meager income isn’t keeping up – some would say it’s not meager but alas it is compared to the increasing cost of living – I am not one to try and decide between eating and our Mortgage – I’d like to find a way to handle both, that’s not too much to ask is it?

I think I mentioned this last week – we got our equity statement and with the shortage on the equity our payment has gone up by $80.00/mos, this too is causing a strain on our finances, and the overall financial picture.

So now it’s come down to the: How do we bring in more income? We’re looking at several options, nothing concrete quite yet, but we’re tossing around some ideas:

1. Hubby can do more of what he’s doing for his customer @ Work – maintaining fish tanks while people are out of town for extended periods – sort of like the guys with my company or those who work w/Screen Gems and end-up going out of state for Movie productions

2.  I can try again to do something with my photography – hubby tells me all the time that he hears customers at work lamenting that they want professional style pics of their pets, but no one affordable to do it – I’ll do it!

3.  I can also try to get my book reviews into a publication of some kind and get paid for it…then again I don’t know how that works exactly as I am sure I need the publishers permission first…research to be done there.

4.  Possibly doing some PetSitting, we love animals and all four of our furbabies are amicable to other animals, so it would be somewhat easy to do.

Those are just some vague ideas we’ve thrown around…now onto why the budget is not making me happy AGAIN, see below – we managed to keep our extraneous spending down to a minimum but two runs to Harris Teeter for missing grocery items caused a bit of a jump from last week – then I over budgeted our finances for the week and ended up pulling funds in from our Merrill Account to cover that overage…UGH UGH UGH:

 $36.88 Remaining from W/E 09/08/13  $518.08 Lara W/E 09/22/13 Salary, Pay Date 9/27
 $17.23 Amt. Spent  $215.13 Jimmy W/E 09/22/13 Salary
 $19.65 Avail. Starting  $733.21
 $1.65 KTC  $19.65 Avail. Starting
 $1.74 Harris Teeter  $733.21 Total Pay
 $12.77 Harris Teeter  $752.86 Avail. For Bills
 $1.07 McDonalds  $6.27 Adjustment
 $17.23  $746.59
 $15.00 In From Merrill
 $761.59

Alright here goes with the breakdown – the money for Citi was transferred to our savings account to be paid out to them with this Friday’s paycheck so I am sending them more than $125.00, the $100 for the car payment satisfied September’s payment and now we’ll be scrounging for October’s payment as it’s due on the 6th…we don’t have it budgeted for a couple more weeks yet, STRESS STRESS STRESS!

 $761.59
 $70.00 Brigades Boys & Girls Club
 $691.59
 $5.00 OT Solutions
 $686.59
 $200.00 Groceries
 $486.59
 $25.00 Jimmy’s Money
 $461.59
 $25.00 Dinner, 9/13
 $436.59
 $40.00 Gas
 $396.59
 $25.00 Cat & Dog Food
 $371.59
 $100.00 Credit Accept.
 $271.59
 $115.00 Progress Energy, Bal. Due: $162.00
 $156.59
 $125.00 Citi
 $31.59  $31.59
7%  $2.21
 $2.21  $29.38

 

In actuality the lump sum cash withdrawal we take every week has had one benefit I’ve seen as of late and that is we’re actually coming in under budget on just about everything – so the cash jar at work is pretty full – rounding in at about $75.00, which is the budget I set for Halloween (costumes & pumpkins for carving), so we’re set for that! Whoop Whoop! One Small Victory There!

 $761.59
 $70.00 Brigades Boys & Girls Club
 $691.59
 $5.00 OT Solutions
 $686.59
 $320.00 Cash for Week
 $366.59
 $100.00 Credit Accept.
 $266.59
 $115.00 Progress Energy
 $151.59
 $125.00 Citi
 $26.59
 $2.21 Merrill Transfer
 $24.38

 

So there’s that…am I happy with it? No I wish there was some way we could pay the Mortgage Payment on time every month – I am taking suggestions from those who read my blog – seems I am either mis-allocating my funds or we’re doing something terribly incorrect here!