These spending diaries are a way for me to be more cognizant of my spending. They’re also a peek into my daily life for those who care.
For those who are new, my style of “spending” is a little convoluted. I have two checking accounts. I keep the majority of my money in the secondary account, transferring $280 a week into the main account. But I charge everything to the credit card to maximize rewards. So as I charge things, I transfer money out of the main account into the secondary one. Then I make a weekly payment on my credit card.
A tad confusing, perhaps, but it works for me. Anyway, here’s how spending went this week:
I had a specialist appointment in the morning, so I had to take my energy pill early. This meant that, by the time my workout time came around, I was pooped and couldn’t do it.
My knee had been acting up the previous day anyway, so I wasn’t too worried about skipping one workout. Still, I wasn’t thrilled either.
I had therapy ($25). After that, I went to Fry’s and picked up some hummus and cucumbers ($4.49).
I texted the guy I had made tentative plans with for Friday to see if we were really meeting up. He said he’d let me know later. (Spoiler alert: He never did. Guys on Tinder are waaaay too laid back about planning.)
I was supposed to see the ex-plumber tonight, but he had been running around all day and decided to stay home and relax. Poo.
The guy from Wednesday night texted me and, when he found out my plans had fallen through, offered to take me for frozen yogurt. So I went out with him. After frozen yogurt, we strolled around the park by my house for a bit.
Total spent: $29.49
I got up and answered some Tinder messages that had come in overnight. Ended up chatting with a guy who I was supposed to see next Monday. It turned out today was his birthday, and he had no plans. Meanwhile, the other guy had flaked on me, so I told the birthday boy that we should go out that night.
Meanwhile, I was trying to figure out a place to meet with the guy I was seeing on Saturday (#socialbutterfly). He lives in Peoria, about 10 miles away, so I suggested a couple of the bars I normally go to that are close to me and not too far from him.
Instead, he wanted to go to Scottsdale, which is 15-20 miles for me and therefore 25-30 miles for him. I don’t like to drive that far if I can help it, and it’s an expensive area. So I was annoyed.
Nonetheless, I told him to let me know where in Scottsdale he wanted to go. We’d agreed to pool, but I don’t know the bars out there and so couldn’t suggest any places with pool tables.
That annoyance over, I got started on work.
At 11 a.m. I left to get a CT scan. The recurrent UTIs are concerning for the urologist, so he’s doing the scan and one other procedure to see whether I have kidney stones and/or any obvious issues with my bladder. Party. But the scan was quick and easy and the imaging place was close to my house, so I didn’t mind too much.
At 1 p.m. I worked out with the hardest video I have (I carry/use hand weights through most of it), but had to quit 2/3 of the way through the routine. I hate re-entry into exercise!
I finished work and then just killed time until my 6 p.m. dinner date. The guy was fun to talk to, so we ended up sitting and chatting for about two and a half hours. (Probably much to the waiter’s chagrin but he was a good sport about it.) Since it was the guy’s birthday, so I insisted on picking up the check ($38.25 after tax and tip).
We agreed to meet up again on Monday for pool and drinks (on him this time, he was very insistent).
Total spent: $38.25
I went to bed late around 11:30 p.m. Between that and the past two days of getting only the bare minimum of sleep necessary to function properly, I slept in until a wonderful 9:30 a.m.
I got a message from the guy who wanted to go out to Scottsdale. Now apparently pool was being thrown out the window in favor of a meal. I’m rigid when it comes to plans, so this was even more annoying.
But I was trying to be a good sport and told him fine, but I didn’t know any restaurants out there. Did he? Overall, I was feeling increasingly pessimistic that the date was actually going to take place that night.
Anyway, I got up and got my quarterly taxes ready. I have to pay state, federal and FICA taxes each quarter.
I ran the envelopes to the U.S. Postal Service and got tracking for each one. The FICA taxes come out of my business account, so I’m not counting the $4.05 postage out of weekly funds. The other two were $7 total.
Then I went to CVS and Walgreens to pick up a couple of items I needed. I had $10 of credit at Walgreens and a 40% off coupon at CVS, which is why I split up the errand between two stores. I paid $1.56 at Walgreens (plus $10 to saved savings) and $8.13 at CVS (plus $5 to saved savings).
It was 1 p.m. at that point and still no word from that night’s date. I was increasingly thankful that my friends had planned an outing, so I’d still get out of the house one way or another.
At 4 p.m. I messaged the guy and told him that, since we still didn’t have a time or place, I assumed the date was canceled and that we should just try again another time.
He finally got back to me at 5 p.m. with a place, but by that point I was too annoyed to go through with it.
I told him I’d already made plans with friends once I assumed the date was off, and that we should just reschedule now that we had a game plan. I don’t think that’s going to happen, but I was lukewarm about him anyway. So it’s no great loss.
I ended up going out to drag queen bingo with two friends. Pints of cider were $5.50 whereas pitchers were $7, so I got a pitcher and tipped $2.
The drag queen was great with commentary whenever possible. (“B19 — Oh, I wish I could B19!” and so on.) We had quite a bit of fun, and my friend even won a bottle of wine. But her name (Maxi Pad Thai) made us crave Thai food, so afterward we found a late night Thai restaurant. Unfortunately, it was a pricey eatery. I paid $19.26 after tip, so it was an expensive day. But at least I had fun that night.
Total spent: $64.74 ($59.69 out of weekly funds)
It was a quiet day. I worked on the blog some and worked out. I did a load of laundry, so $2.50 went into the Washer/Dryer fund.
At 7:30 p.m. I went over to the ex-plumber’s place and hung out there for a couple of hours. We hadn’t seen each other since last Sunday, so we chatted and caught up.
I probably won’t be seeing as much of him as I have been because he just got a part-time job on top of his full-time one. It’s great that he’s trying to bulk up savings to buy a house, but it won’t leave him a ton of time for dating. I guess we’ll see how that goes.
Total spent: $2.50
I worked and worked out, then left for a doctor’s appointment. I left with a prescription, which I filled at Fry’s. While I waited, I picked up some limes and went next door to the Dollar Tree for some ginger snaps. As it turned out, the meds had a $0 copay.
I was supposed to go out for drinks and pool with the guy from Friday, but he’d just paid his electric bill and money was a little tight. So I suggested he just come over and we watch some TV. I made us Moscow mules, which he’d never had before.
He left around 9:30 p.m., so I got to bed at a reasonable hour.
Total spent: $3
I had pitched a couple of ideas for freelance pieces to a content editor I met at FinCon. He said they were looking for a different type of piece: something for parents of young kids. Not exactly my forte, so I called my mom around noon for help.
I had already thought up one idea, but she helped me get two more. We chatted a little, then it was time for my workout. That was unpleasant (I increased weights for a portion of the exercise routine) but I got through it.
When work was over, I finished fleshing out the pitch ideas to make sure they’d have enough content to be worth full articles. Then I sent them off to the content editor. Here’s hoping he likes at least one of them.
Trivia was at 7, and we came in second. We had $40 in gift cards, so our meals were covered. We just chipped in $5 each for the tip. I took that out of my walking around money.
I would have paid around $14 after tip, so $9 went into saved savings.
Total spent: $14 ($9 out of weekly funds)
I had gone to bed at a reasonable hour the night before but did not want to get up. I ended up lying back down for 10 minutes after my alarm just to build up the wherewithal to get going.
Work kept me decently busy, but I still made some headway on some blog posts. I decided to have takeout for lunch ($9.34) and enjoyed every bite of it.
It was a rest day for exercise. (I take two days off a week.) Not great timing, what with the takeout, but you’re supposed to let your body rest one or two days a week I’m told.
I chatted with a guy on Tinder, but he was busy studying and couldn’t meet up. We agreed to try again the next day. I watched some Shameless on Netflix and went to bed around 10 p.m.
Total spent: $9.34
Total spent: $161.32 ($151.27 out of weekly funds)
Especially with last week’s heinous total, this low-spending week was a relief! I’m hoping I can replicate these results next week but only time will tell.