Posts Tagged ‘Summer Camp’

You know it seems to me that every time I think we’re ok, we get pushed behind…now that’s not to say that we’re 100% behind the eight ball so to speak here, it’s just that we were cruising along ok for awhile, then we get benefits through my husband’s employer and while we’re happy about that, it would be immensely helpful to have that money in our budget each week – I try to deflect by keeping up with the overtime, but that’ll only truly last us through the end of June if we’re lucky then it’ll die down over the summer and pick back up again in the fall die down at Christmas and pick up again in the spring – it’s cyclical with the outage seasons.  That being the case, we have to try and get ahead while we’re getting that extra money, and maintain during the down times, while rough it’s doable.  I just keep telling myself this, that’s what keeps me rolling, that and the possibility of building up the EF Accounts.  With that said I think what we’ve decided to do for now is the take the $115 cash we have and dump it into the Merrill Account – I am going to speak with my previous employer, who is a financial planner, and see if he can make some suggestions on diversifying that money so it begins to make money, instead of staying parked at just Cash.

This weeks budget has me on edge – I am not pleased whatsoever with it, nor am I happy that so much seems to be going out all at once – the car payment you’ll notice is missing, why? Well we’re still holding onto hope that we’ll be able to purchase something new at the start of next month, if not the the funds we have sitting for a down payment will be used to pay the car payment and then we’ll re-organize to rebuild that money back up in hopes we can maybe hold off for awhile and pay down more on our current loan before trying again later this year (that is if the car we have lasts that long…we shall see)…right now it all hinges on Citi’s Decision which we have yet to get…ha that rhymed…I have to follow-up with them today.

Alright so here we go, the budget this week:

 $165.72 Remaining from W/E 04/28/13  $538.89 Lara W/E 05/12/13 Salary
 $51.00 Amt. Spent  $229.50 Jimmy W/E 05/12/13 Salary
 $114.72 Avail. Starting  $768.39
 $8.58 Wal-Mart  $114.72 Avail. Starting
 $7.49 Amazon.com  $768.39 Total Pay
 $6.40 McDonalds  $883.11 Avail. For Bills
 $5.10 WilcoHess
 $5.00 To Ashley’s Savings
 $4.68 KTC
 $6.11 Target
 $3.05 Target
 $4.59 Rite Aid
 $51.00

Ok again first the line-item break down:

 $883.11
 $20.00 DB Plumbing
 $863.11
 $70.00 Brigades Boys & Girls Club
 $793.11
 $5.00 OT Solutions
 $788.11
 $17.00 Savings for Car
 $771.11
 $7.99 Hulu.com, 04/21 Auto-Draft
 $763.12
 $5.00 WHA, 5/22 Auto-Draft
 $758.12
 $5.00 LCA, 5/22 Auto-Draft
 $753.12
 $21.39 Blockbuster, 5/23 Auto-Draft
 $731.73
 $170.00 Groceries
 $561.73
 $ 40.00 Gas
 $521.73
 $25.00 Cat & Dog Food
 $496.73
 $25.00 Jimmy’s Money
 $471.73
 $25.00  Dinner, 5/10
 $446.73
 $90.00  Progress Energy
 $356.73
 $275.00  Citi
 $ 81.73  $81.73
7%  $5.72
 $5.72  $76.01

And now with the lump sum cash withdrawal that seems to be staying pretty consistent week to week – can you tell we’re not doing much in the way of shopping, or other items…that’ll change soon though – the kids will need their summer wardrobes amped up before Summer Camp…that’ll mean shorts, t-shirt, and flip flops for when they are home…should be fun right?

 $883.11
 $20.00 DB Plumbing
 $863.11
 $70.00 Brigades Boys & Girls Club
 $793.11
 $5.00 OT Solutions
 $788.11
 $17.00 Savings for Car
 $771.11
 $7.99 Hulu.com
 $763.12
 $5.00 WHA, 5/22 Auto-Draft
 $758.12
 $5.00 LCA, 5/22 Auto-Draft
 $753.12
 $21.39 Blockbuster, 5/23 Auto-Draft
 $731.73
 $300.00 Cash for Week
 $431.73
 $90.00 Progress Energy
 $341.73
 $275.00 Citi-Mortgage
 $66.73
 $5.72 Merrill Acct
 $61.01

So there we go! The budget for the week!  No real words of wisdom, but some good news – I’ve been asked to Guest Blog on finance for the Adult Rated Blog, and I am totally stoked about that! Can’t wait to do this – has me feeling very flattered!

So enjoy your Weeks and we shall return next week! In the mean time I am going to finish my work day, take the kiddos for our pizza dinner tonight and go hang at the beach tomorrow!

Anyone have any exciting Weekend Plans?

Another week has flown by, and work has been slowing as well – which is good, it allows me to catch up and ATTEMPT, I say ATTEMPT to get caught up…I say that because as soon as I do, there’s a boat load of more work to be done right on the tails of what I’ve just finished…Whew!

On that note I am coming up on my 3rd anniversary with my employer – and with that comes the normal frustrations I’ve had for quite sometime now – no benefits, no paid time off (this is the HUGE one), and yet no answer as to what is doing with either of those items – my ellusive boss has decided to just dodge the bullet and not give me a straight answer.  I think that it’s closing in on time to try and alter my work life so that I can find a way to not drown our forward motion financially if I should fall ill (as I did three weeks ago).  I am not going to launch into a while tirade about this, it’s been consistent for awhile now and I know in the back of my mind I am doing something to change my work life entirely – for now though it’ll be little steps…

And with that, I am just going to move forward – the budget this week is a tad strained, why? Well simply because we’re planning for Summer Camps this year and with that comes the cost of Summer Camp.  I am thankful that the Brigades Boys and Girls Club offers summer camp for their after schoolers, which is a blessing for us – so I am having to put down deposits for said camp program because we are in no way set-up to pay for the entire summer ($1,600) up front…how some of their people do that I have no clue as it’s normally lower income people who send their children there…makes sense honestly.  So this week and next I am tacking an extra $40/week onto the normal tuition to cover this deposit.

So without further adieu, here goes!

Note here, we’ve had some monies incoming, $30.00 came to us from the Nielsen Ratings Group and I had to move $10.00 in from our KTC Savings account to prevent Over Draft – seems this week everything either fell short in the grocery department, or with Jimmy being sick we were spending more $$ in meds – so that extra $40.00 is accounted for in the carry over from the previous week.

 $95.49 Remaining from W/E 04/28/13  $601.73 Lara W/E 05/05/13 Salary
 $79.00 Amt. Spent  $224.50 Jimmy W/E 05/05/13 Salary
 $16.49 Avail. Starting  $826.23
 $18.22 Target  $16.49 Avail. Starting
 $8.01 Target  $826.23 Total Pay
 $4.14 KTC Total  $842.72 Avail. For Bills
 $5.23 McDonalds
 $20.00 Check Order
 $2.09 Pets Mart
 $1.31 Wal-Mart
 $20.00 ATM Book Fair Money
 $79.00

And first the line item breakdown of expenses this week:

 $842.72
 $20.00 DB Plumbing
 $822.72
 $110.00 Brigades Boys & Girls Club
 $712.72
 $5.00 OT Solutions
 $707.72
 $17.00 Savings for Car
 $690.72
 $121.00 AT&T
 $569.72
 $5.00 Tate & Kirlin, 5/10 Auto-Draft
 $564.72
 $5.00 CCA, 5/13 Auto-Draft
 $559.72
 $5.00 LCA, 5/15 Auto-Draft
 $554.72
 $89.00 AmeriNational, Austin TKD
 $465.72
 $170.00 Groceries
 $295.72
 $40.00 Gas
 $255.72
 $25.00 Cat & Dog Food
 $230.72
 $25.00  Jimmy’s Money
 $205.72
 $25.00  Dinner, 5/10
 $180.72

Truly doesn’t leave much for bills next week and that is making me Wicked Nervous as my OT Hours this week will be absolutely minimal, like 42 – 43 hours total for the week, down from 46 last week…

So now with the Cash Withdrawl, total cash required, $285.00, have to round up to $300.00 to cover everything:

 $842.72
 $20.00 DB Plumbing
 $822.72
 $110.00 Brigades Boys & Girls Club
 $712.72
 $5.00 OT Solutions
 $707.72
 $17.00 Savings for Car
 $690.72
 $121.00 AT&T
 $569.72
 $5.00 Tate & Kirlin, 5/10 Auto-Draft
 $564.72
 $5.00 CCA, 5/13 Auto-Draft
 $559.72
 $5.00 LCA, 5/15 Auto-Draft
 $554.72
 $89.00 AmeriNational, Austin TKD
 $465.72
 $300.00 Cash for Week
 $165.72

So there we are! Let’s cross our fingers we don’t spend all of the remaining funds, $165.72 – with Mother’s Day on Sunday, I am going to try and keep our activities low key – so hoping the weather cooperates and we can head over to the beach (for those who don’t know, we live 20 mins away from three beaches) and just chill for a bit, that to me is the ideal way to spend Mother’s Day!

Another week has flown by, and work has been slowing as well – which is good, it allows me to catch up and ATTEMPT, I say ATTEMPT to get caught up…I say that because as soon as I do, there’s a boat load of more work to be done right on the tails of what I’ve just finished…Whew!

On that note I am coming up on my 3rd anniversary with my employer – and with that comes the normal frustrations I’ve had for quite sometime now – no benefits, no paid time off (this is the HUGE one), and yet no answer as to what is doing with either of those items – my ellusive boss has decided to just dodge the bullet and not give me a straight answer.  I think that it’s closing in on time to try and alter my work life so that I can find a way to not drown our forward motion financially if I should fall ill (as I did three weeks ago).  I am not going to launch into a while tirade about this, it’s been consistent for awhile now and I know in the back of my mind I am doing something to change my work life entirely – for now though it’ll be little steps…

And with that, I am just going to move forward – the budget this week is a tad strained, why? Well simply because we’re planning for Summer Camps this year and with that comes the cost of Summer Camp.  I am thankful that the Brigades Boys and Girls Club offers summer camp for their after schoolers, which is a blessing for us – so I am having to put down deposits for said camp program because we are in no way set-up to pay for the entire summer ($1,600) up front…how some of their people do that I have no clue as it’s normally lower income people who send their children there…makes sense honestly.  So this week and next I am tacking an extra $40/week onto the normal tuition to cover this deposit.

So without further adieu, here goes!

Note here, we’ve had some monies incoming, $30.00 came to us from the Nielsen Ratings Group and I had to move $10.00 in from our KTC Savings account to prevent Over Draft – seems this week everything either fell short in the grocery department, or with Jimmy being sick we were spending more $$ in meds – so that extra $40.00 is accounted for in the carry over from the previous week.

 $95.49 Remaining from W/E 04/28/13  $601.73 Lara W/E 05/05/13 Salary
 $79.00 Amt. Spent  $224.50 Jimmy W/E 05/05/13 Salary
 $16.49 Avail. Starting  $826.23
 $18.22 Target  $16.49 Avail. Starting
 $8.01 Target  $826.23 Total Pay
 $4.14 KTC Total  $842.72 Avail. For Bills
 $5.23 McDonalds
 $20.00 Check Order
 $2.09 Pets Mart
 $1.31 Wal-Mart
 $20.00 ATM Book Fair Money
 $79.00

And first the line item breakdown of expenses this week:

 $842.72
 $20.00 DB Plumbing
 $822.72
 $110.00 Brigades Boys & Girls Club
 $712.72
 $5.00 OT Solutions
 $707.72
 $17.00 Savings for Car
 $690.72
 $121.00 AT&T
 $569.72
 $5.00 Tate & Kirlin, 5/10 Auto-Draft
 $564.72
 $5.00 CCA, 5/13 Auto-Draft
 $559.72
 $5.00 LCA, 5/15 Auto-Draft
 $554.72
 $89.00 AmeriNational, Austin TKD
 $465.72
 $170.00 Groceries
 $295.72
 $40.00 Gas
 $255.72
 $25.00 Cat & Dog Food
 $230.72
 $25.00  Jimmy’s Money
 $205.72
 $25.00  Dinner, 5/10
 $180.72

Truly doesn’t leave much for bills next week and that is making me Wicked Nervous as my OT Hours this week will be absolutely minimal, like 42 – 43 hours total for the week, down from 46 last week…

So now with the Cash Withdrawl, total cash required, $285.00, have to round up to $300.00 to cover everything:

 $842.72
 $20.00 DB Plumbing
 $822.72
 $110.00 Brigades Boys & Girls Club
 $712.72
 $5.00 OT Solutions
 $707.72
 $17.00 Savings for Car
 $690.72
 $121.00 AT&T
 $569.72
 $5.00 Tate & Kirlin, 5/10 Auto-Draft
 $564.72
 $5.00 CCA, 5/13 Auto-Draft
 $559.72
 $5.00 LCA, 5/15 Auto-Draft
 $554.72
 $89.00 AmeriNational, Austin TKD
 $465.72
 $300.00 Cash for Week
 $165.72

So there we are! Let’s cross our fingers we don’t spend all of the remaining funds, $165.72 – with Mother’s Day on Sunday, I am going to try and keep our activities low key – so hoping the weather cooperates and we can head over to the beach (for those who don’t know, we live 20 mins away from three beaches) and just chill for a bit, that to me is the ideal way to spend Mother’s Day!