Posts Tagged ‘Tracking Spending’

I am not going into too much detail, but I am going to share a series of Facebook posts – our Van our Wonderful Bessie had a hiccup about two weeks ago – she overheated severely and I had this brown disgusting sludge coming out of the coolant area and the transmission fluid was low – call the mechanic, estimated costs of repairs, $380.00, YIKES! Wait until Friday when we get paid, ok the repairs – he replaces the radiator and water pump – low and behold he also tells me that he did something to the transmission “so I wouldn’t have problems going forward” I’m thinking ok cool, another $30.00 he needs to for what he did (without permission mind you).

See the Original Post About the Van

What is it with Cars/Vans and Hemorrhaging Money? As if Stressing Over a Mod Isn’t Enough…Let’s Add this to It!

So here’s what I posted on Facebook:

From 09/12/14

“Well she’s all fixed, but the mechanic flushed the transmission fluid and that added another $30.00 to the bottom line, $410.00 – he wants to check her again on Sunday to ensure that the transmission is holding onto the fluid – there’s no leak, but he wants to make sure it’s holding on…while I am happy it’s fixed, wish he’d have checked with me first.”

“Might have spoke too soon…the transmission fluid is causing her to do some shaking when shifting to 1st gear…ugh he’s coming back tonight to get his $30, and to look at this issue”

From 09/13/14

“Well where are we? Ok well the mechanic picked her up again this morning, he’s going to re-flush the tranny fluid and add some stop-gap measure to get me through the week while trying to clean out the filter. He said the filter most likely needs replacing, but this thing he’s going to do should get me through the week – if she starts shaking again he said to take it slow and get home, call him and he’d look at it…ugh…if the tranny goes on Bessie I am royally F&CKED!”

“the whole Bessie is running fine, no problems, turn back into the neighborhood and wouldn’t you know it, the Shaking begins AGAIN…she’s just hemorrhaging money right now…”

From 09/14/14

“Ok back from our outing…Bessie did good en route to Wal-Mart, a 10-min ride to the Junction, we did our shopping, got 2/3 of the way home before she starting “jumping” when shifting gears…made it home, but my stomach drops every single time it “jumps”…ugh not sure what to think, the mechanic told me that it’d be ok for my trek back and forth to work this week…I don’t know how much I trust that…we’ll see.”

From 09/16/14

“Ok just braved the roads w/Bessie for a quick Target/PetsMart run (prescription and crickets for Smaug) and she did good, no overheating (which shouldn’t happen anyways) and no “lurching” when shifting…WTF?!?! Bryan’s coming over tomorrow to check it out anyways and show me a few things about basic car care”

From 09/17/14

“Friend came over showed me some of the ins and outs of Bessie’s engine and fluid compartments – took me to Auto Zone and we purchased some Transmission Fluid (she was really low) and some Anti-Freeze (she was nearly empty) came home put it all in and ran the engine for a bit and she held the tranny fluid well, he had me shift the gears to help get any “air pockets” out and then he added some power steering fluid and that should do it he said. Crossing my fingers it worked, we’ll see!”

Today, 09/29/14, Two Weeks+ Post Repairs

“Ugh Monday morning…traffic at Myrtle Grove this morning caused Bessie to get HOT again…she cooled down during the ride to work, but all that stop-go-wait trying to get out of the parking lot was heinous on her! I don’t get it! New Radiator, New Water Pump, the Right Coolant and yet STILL gets hot quicker than she should?!?!? I am out of Money and Out of Ideas! Soo not how I wanted to start my Monday…here’s hoping the rest of the day runs smoother!”

“Seriously did the Finance company for my Van just call my WORK#?!?!?! I was in with my boss and they left a message, yeah I called them back and told them to remove that # IMMEDIATELY from their Database, they are NOT Ever to call me @ work! GRRR!!!”

Further Post about the above:

“Alright so those ARSEHOLES just called me back on my cell as I indicated, they THINK I am past due 24-Days = $225.00 and are threatening to repo the van if I don’t pay that soon…WTF?!?! Money don’t grow on trees guys, I explained that to him, but as per usual they are trained to not listen and only respond to what they want to hear…yes sir I’ll sell my oldest to pay you! Nevermind it’s illegal, nevermind that I’ll go to jail…yeah not to politely told him to f*ck off and hung up on him…where in the world am I going to dig that money up from? Shit Bessie needs more repairs and I’m past due…F*CK F*CK F*CK!! He’s like “If you can’t afford the vehicle we can take if off your hands and it won’t be an issue” TO which I was like “um yeah you’ll just sell it @ auction for less than I owe and stick me with the balance due” and he had the BALLS to say to me “well then maybe you can afford it then.” Ugh why are car finance people like flies in your ears, buzzing every chance they get?!?! Lovitt’s would never have harrassed me as much as these jack-offs! But no they sold the loan and now I have these assholes in my ears!”

My Goodness did we WAY Over Do it last Week in Terms of Misc. Spending…literally taking a HUGE chunk out of our would be bill paying funds…ugh ugh ugh…thankfully this week we’ve managed to cut that off and not spend way too much like we did…It hurts it really hurts when I look at these numbers – it’s no wonder we can’t pay our bills, just look:

 $114.25 Remaining from W/E 09/01/13  $428.45 Lara W/E 09/08/13 Salary, Pay Date 9/13
 $74.95 Amt. Spent  $331.36 Jimmy W/E 09/08/13 Salary
 $39.30 Avail. Starting  $759.81
 $15.00 GS Troop #1327  $39.30 Avail. Starting
 $3.83 Target  $759.81 Total Pay
 $2.03 KTC  $799.11 Avail. For Bills
 $12.84 Clothes Mentor  $365.00 In From Savings for Citi
 $8.54 Hobby Lobby  $1,164.11
 $6.42 Starbucks
 $12.51 Brownie Stuff
 $4.38 Target
 $7.57 Best Western, Tax
 $1.83 Unaccounted For Spending
 $74.95

You see where we went overboard? It would seem a bunch of somewhat smaller transactions added up relatively quickly! The trip to Clothes Mentor for a top to wear to the concert, $12.84, a trip to Hobby Lobby, $8.54 and a treat of Starbucks, $6.42 along with getting Ashley’s Brownie tab, Flag Patch and GS Emblem for her Sash added up quickly – these are items I probably could have budgeted for elsewhere but failed to and now we’re dealing with the consequences…OUCH!

We just got our Water bill yesterday, $210.00 for TWO (2) Months USAGE!!! WTF?!?!?! It’s not like we use a ton of water…oh wait, yeah Ashley likes to take LONG Showers…well those are stopping effective immediately – we’ve curbed that.

Also our electric bill was $276.73, with a past due balance of $113.47 due by 09/30/13 – OUCH again! Thankfully it’s starting to cool off some…the temp might spike again…but for now it’s cooler and we’re not running our AC.  In fact last night we slept with the windows open because it was so cool (I prefer it cold when I sleep, if I am hot I can’t sleep)! So yeah for Fall Weather!

Alright so where are we now that we’re on the back end of our stupidity?? Well I’ve upped the grocery budget to $200.00/week, which left us with $49.00 after we were done shopping Saturday morning – so $22.00 of that went towards new sheets for Ashley (hers were infested with bed bug remnants and eggs – a battle we’ve been fighting for a looong time now) – we had to completely clean and treat her bed Friday night to rid it of all remaining bed bug adults, eggs and larvae – ICK!  And the remaining $27.00 went towards the kids’ rewards for being ready on time last week and the week before (2.00) and then I made a Harris Teeter run last night to the tune of $20.00 leaving me with $5.00 cash for the savings jar!  Not too bad…I was able to make an unexpected purchase and still have funds remaining! YEAH!  That made  me happy and it kept us out of the checking account!

So here we go, this weeks budget – I only sent a portion of the Mortgage payment to Citi, we sent them $625.00 leaving a balance due of $499.00 to be paid at a later date to complete Septembers payment and the late fees, leaving us with Pennies for this week remaining, but I pulled in $15.00 from the Merrill Account just in case, if we don’t use it I’ll put it back…it’s Wednesday and we haven’t touched it, so I say we’re doing good:

 $1,164.11
 $70.00 Brigades Boys & Girls Club
 $1,094.11
 $5.00 OT Solutions
 $1,089.11
 $200.00 Groceries
 $889.11
 $25.00 Jimmy’s Money
 $864.11
 $25.00 Dinner, 9/13
 $839.11
 $40.00 Gas
 $799.11
 $25.00 Cat & Dog Food
 $774.11
 $89.00 APM Int’l, 9/15 Auto-Draft
 $685.11
 $5.00 CCA
 $680.11
 $625.00 Citi
 $55.11
 $15.00 Girl Scouts
 $40.11
 $5.00 Cape Fear Peds, 09/17
 $35.11

And with our Cash withdrawal:

 $1,164.11
 $70.00 Brigades Boys & Girls Club
 $1,094.11
 $5.00 OT Solutions
 $1,089.11
 $320.00 Cash for Week
 $769.11
 $89.00 APM Int’l, 9/15 Auto-Draft
 $680.11
 $5.00 CCA
 $675.11
 $625.00 Citi
 $50.11
 $15.00 Girl Scouts
 $35.11
 $5.00 CF Peds
 $30.11

So that’s that! I know I got long-winded and I apologize! TTFN until next Week!

I seriously must have been out of my mind, but we sat down the other night and did forecasted budgets through the end of November to try and make sure we’re capable of paying our mortgage each month – how is it that we’re struggling so much? Once upon a time we used to be able to afford rent/car payment, etc. with no problem – now it seems that we struggle at every single turn….I hate this, thus the reason for this blog, so I can see what we’ve done, where we might need improvement and how we can correct the problems we run into time and time again – I’ve noticed the main string through everything is our extra spending, in other words those debit card transactions done after the budget is done…those are what’s killing us week to week – I think after adding up the last (5) weeks we saw something like $415.00 in extra money spent with only $100 being put back from birthdays (his and mine)…that’s still $315.00.  We narrowed it down even further and found that $132.00 of it was excess groceries above and beyond our $170.00 budget – so we’ve upped the weekly budget for groceries to $200.00 (OUCH!) in hopes to eliminate some of that – if we come in under budget that week the monies will go into my savings box and put back into the checking account at the end of each month.

Alright, with that being said this weeks’ budget is slightly different as I have some extra expenditures that are on this week as back in June I won tickets to see Maroon 5 & Kelly Clarkson in concert in Raleigh.  I am taking my baby girl with me tonight and we’re going to enjoy the concert and then crash in Raleigh for the night vs. trying to drive the 2 hours back to Wilmington.  I am very excited about this! I know the $120.00 I have set aside for our hotel and misc. spending is putting an overall dent in our budget, but I figure anything I don’t spend out of our misc. spending monies I will put back.  I am also taking the extra $40.00 cash for gas and $47.00 cash from our savings box with me, so I may not even touch the $60.00 I have budgeted for Misc. Spending.

Honda Civic Tour Shout Out

So I am running low on time, I am leaving early today so we can make the 2 hour drive and get settled into our hotel before having to head to the Pavilion for tonight’s show, so here goes the budget for the week:

 $456.84 Remaining from W/E 09/01/13  $501.20 Lara W/E 09/01/13 Salary
 $116.50 Amt. Spent  $245.46 Jimmy W/E 09/01/13 Salary
 $340.34 Avail. Starting  $746.66
 $9.78 Sweet Frog  $340.34 Avail. Starting
 $10.56 PetsMart  $746.66 Total Pay
 $17.05 Home Depot  $1,087.00 Avail. For Bills
 $3.20 Party City  $40.00 In From Merrill for Lara’s B-Day
 $7.54 KTC  $1,127.00
 $3.52 Target  $5.17 Adj.
 $10.17 PetsMart  $1,121.83
 $26.56 Wal-Mart
 $5.89 PCJ
 $3.18 PetsMart
 $2.13 Food Lion
 $1.92 Office Max
 $15.00 GS Troop #1327 (Check)
 $116.50

And the overall budget with the breakdown – we’re not sending the money to Citi right away instead I am holding off on sending that until next week when I have a bulk payment to send to them:

 $1,121.83
 $70.00 Brigades Boys & Girls Club
 $1,051.83
 $5.00 OT Solutions
 $1,046.83
 $5.00 Tate & Kirlin, 9/10 Auto-Draft
 $1,041.83
 $170.00 Groceries
 $871.83
 $25.00 Jimmy’s Money
 $846.83
 $25.00 Dinner, 9/6
 $821.83
 $80.00 Gas
 $741.83
 $25.00 Cat & Dog Food
 $716.83
 $59.39 Hotel in Raleigh
 $657.44
 $60.00 Misc. Spending For Lara & Ashley
 $597.44
 $113.19 AT&T
 $484.25
 $350.00 Citi
 $134.25
 $61.14 Amt Spent 9/6-9/8
 $73.11
 $5.00 Cape Fear Peds, 9/17
 $68.11

And with the cash withdrawal:

 $1,121.83
 $70.00 Brigades Boys & Girls Club
 $1,051.83
 $5.00 OT Solutions
 $1,046.83
 $5.00 Tate & Kirlin, 9/10 Auto-Draft
 $1,041.83
 $340.00 Cash for Week
 $701.83
 $59.39 Hotel in Raleigh
 $642.44
 $60.00 Misc. Spending for Lara & Ashley
 $582.44
 $113.19 AT&T
 $469.25
 $350.00 Citi
 $119.25
 $61.14 Amt Spent 9/6 – 9/8
 $58.11
 $5.00 Cape Fear Peds, 9/17
 $53.11

So there’s that and I am off! I’ll be offline until tomorrow, Wed at around noonish when I get home from Raleigh!

Enjoy!