Phew, okay I just finished setting up all of the transfers for the month. That might not sound like much, but our beloved Capital One 360 account has 13 subaccounts — 11 of which get money transferred in and/or out each month.*
The good news
We were able to put $334.10 into savings. And that’s with an $890 charge from the denturist for a CAT scan of Tim’s mouth.
We were planning on taking the entire cost of Tim’s oral surgery out of savings. So I guess technically you could say that we put in $1,224.10, with $890 taken back out for the scan. Point being, a net of $334.10 from my paycheck went into savings. Woot!
But wait, there’s more
I had a few other sources of money this month. AdSense came in at $126 for the past two months. (I’m still woefully under most bigger blogs. But it’s a damn sight better than where I was a year ago.) I sold a link in an old post. That plus saved savings was $285.46. I also closed out a weekly challenge I had going. Now that that we reduced our weekly spending we just can’t spare it, and I kept forgetting to do it anyway. So that was another $105.15.
In total we put a total of $850.71 into the savings account over the last 30 days. All of that without Tim’s monthly check. I think I’m going to sprain my arm from patting myself on the back.
The bad news
That gain is ever so slightly outweighed by the $13,721 we paid for Tim’s oral surgery. I mean, it’s close but we didn’t quite cover it.
Still, we’ve dealt with $14,611 of the expected $27,000ish. (It was $26,000ish, but the new denturist is a little more expensive. That said, he’s been doing this for more than 30 years. Understandably, Tim preferred to go with experience.)
Once the money finishes transferring over, we’ll have $13,927 in the account. Of that, $1,500 is going to be taken up by the wall renovation. Leaving us with about $12,400.
The future is uncertain
Really uncertain since I can’t find the denturist’s estimates. I believe it was a little over $13,000, but let’s say $13,500 to be safe.
We’ve already paid $890 of it, leaving around $12,600. Which means we just need to save another $200 to avoid dipping into the emergency fund. Well, $200 and no surprises. In other words, let’s call it $600.
Next month’s saved savings will be at least $170. And I’ll have more billable days plus a little extra overtime (in addition to the normal stuff). So being super-duper pessimistic/realistic I think we can plan on putting away at least $300. The next month will see $150 in saved savings and probably $100-120 in AdSense.
So things look good — in a flinching-waiting-for-the-next-shoe-to-drop kind of way.
Granted, we’ll probably walk away from the experience with almost nothing in savings. But we should have an untouched emergency fund. Which is all I’m asking for at this point.
I could make a little more money each month with a sponsored post. But an alarming number of companies will only do that if you don’t disclose that it’s a paid post. I have three problems with that:
- It’s (for me) morally icky
- I promised I wouldn’t do that
- It’s actually against FTC rules (the agency made a big fuss about it a few years back)
So I’ve missed out on at least $450 of potential income. But at least I stood by my principles. Stupid, expensive principles.
How’d your financial month go? Everyone think good, no-whammy thoughts!
* In case you’re wondering, it’s savings, saved savings, emergency fund, car insurance, car fund, health insurance, vacation fund, taxes, Tim’s fun money, my fun money and pet fund