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 card to maximize rewards. So I transfer money out of the main account into the secondary one as charges accrue. 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 woke up, worked and worked on the blog. I really wanted takeout again, but I didn’t want to have to admit to you guys that I got it twice in two days. So I abstained. Yay for accountability!
I waited for the mall to open, then went and ordered a new pair of glasses. I’ve been using my old ones, which don’t have a lens in the left eye since my cataract surgery.
Meanwhile, my left contact leaves close-up stuff blurry because I had to choose between near- and far-sightedness, and since I have to be able to drive, I had to choose the latter. As a result, my left eye seems to be getting weak. So I need to get proper glasses and start using them during the day to strengthen it and make sure I don’t get a lazy eye.
As it turns out, I need progressive lenses (multifocal aka bifocal aka I’m getting old). I got a 60% off deal at the store, but I think they mark up list price because the frames ($29.98) plus lenses were still $179.98. Oh well.
I went home and worked out.
I chatted with the 28-year-old Tinder guy again off and on all day. We arranged to meet up at 3:30 p.m., but it got pushed back to 4:30 because he was running late. Then 5. Then he found out the person who was taking his work shift had flaked and he had to go in.
I was really bored all night, so I agreed to meet up with him after his shift at a heinous 10 p.m. He paid for my first drink, and I got myself another. It must have been reverse happy hour because I was only charged $3.50 for my drink. I tipped $1.50.
I Ubered there, but I got some Uber gift cards at FinCon. So I didn’t pay anything out of pocket, which means that $10.51 went to the saved savings account.
We had a good time and were out for a couple of hours, so I was up until around 12:30 a.m. Tomorrow isn’t going to be good.
Total spent: $194.49 ($15.51 out of weekly funds)
Sure enough, the morning wasn’t good.
I got up (under protest to myself/my alarm clock) and cleaned out the inbox. I wanted to lie back down for a bit, but I had a 9 a.m. call with a company about a potential partnership for the blog, which ended up going pretty well.
All morning I’d also been chatting with two guys on Tinder intermittently, but they both went quiet around the same time. So I decided to lie back down.
Because I hadn’t slept enough the night before, I skipped my workout. In fact, I stayed in my PJs until something like 4 p.m. It was one of those days.
One of the guys from Tinder and I had been trying to make plans for that evening but he stopped responding around 1 p.m. I sent him one last message at 5 p.m. to see if he was still interested.
I messaged the 24 year old, which the guy who last week took me out for drinks then, the next night, fro-yo. (Fun fact: He was born the year before I graduated high school. #cougar-ific) I asked if he were busy and said I might be free. Always good to have a backup plan.
At 5:30 I had a massage and tipped 20% (total of $63). I saved some money by signing up for a monthly service where I’m automatically debited $50 a month for a massage (with massages rolling over for up to 3 months). Any additional massages are $40 per month. Since I get a massage each month, and since they’re $65 normally, this is a pretty good deal. I might even start getting a second massage a month. We’ll see.
I came home, still no word from the would-be date. So I messaged the 24 year old. He was waiting to hear back from a friend about going out but said he’d get back to me if he didn’t hear back soon.
I was craving hummus, so I went to the store. I bought a couple other things for a total of $13.34. I was about halfway through my hummus meal when the 24 year old messaged me to see if I still wanted to hang out. So he came over for a bit.
During the course of our conversation, I learned that his mom is only five years older than me. Eep! At any rate, we made plans for next Friday — at least some Tinder guys can plan in advance — and he left around 11 p.m. I went to bed around midnight.
Total spent: $76.34
I woke up at a glorious 8:30 a.m. nice and rested. I started a load of laundry, so $2.50 went into the Washer/Dryer fund. This necessitated starting a new financial week, but that meant I’d stretched the previous one into 10 days. Woot!
I had a cut and color at the beauty school at 1 p.m. That was $50. Unfortunately, the gal missed a section of my hair — something I didn’t notice until I got home. It’d be another $30 to go in and get it fixed (the only downside to the beauty school is they don’t fix mistakes for free), so I guess I’ll be relying on my Clairol hair powder to cover it up for the next 6 weeks.
On the way home, I stopped at Fry’s because I’d forgotten to get frozen meals the day before and was running low. I picked up four of those ($11.96) and three items from Dollar Tree ($3.09).
The ex-plumber texted to see what I was up to. I ended up hanging out with him for the night. I hadn’t seen him in a week, so it was nice to catch up.
Total spent: $67.55
I worked overtime today, so I was up at 8 a.m. That hurt because I didn’t sleep well the night before.
I got caught up on emails and laid back down to rest around 10 a.m. I got back up about an hour later, not having been able to really sleep. Oh well.
I replaced my two current pairs of shoes — it was time — using a $40 off $99+ coupon. The shoes were Skechers (aka kind of pricey), so I paid $86.22 after coupon. I don’t take $75+ expenses out of weekly funds, so nothing comes out of the weekly funds here. I wouldn’t have purchased the shoes without the coupon, so no saved savings here either.
Later that night, Victoria’s Secret was offering 25% off. I spent $122.99 — but that’s the initial price. I plan on trying and on returning all but one bra and three pairs of undies. So when all is said and done, I will have spent $51.73.
Neither amount comes out of weekly funds, since that will happen when I pay the bill.
Total spent: $209.21 — really, $137.95 — with $0 out of weekly funds
I had a specialist appointment, which had a $15 copay. I’m getting very sick of doctor visits (and I have one on Friday too).
I worked and worked out. Then after I was off, I picked up a $37 prescription. I got a 40% off CVS coupon, which I decided to use while I was there. I’m running low on lotion, so I picked up a bottle for $7.48 post-coupon and tax. I put $4.60 into saved savings.
Unfortunately, when I got home I discovered that I’d already bought a backup bottle of lotion. That’ll teach me to check the cupboard before stocking up. But as it’s the desert, I go through a lot of lotion, so the second bottle won’t exactly go to waste.
Total spent: $64.08
I worked and worked out. I really wish I enjoyed working out more. I enjoy having worked out. Does that count?
During and after work, I did some blogging. Then I went and got some takeout ($9.34). It’d only been six days since my last takeout, but at least that’s almost a week.
I watched the last half of season one of The Marvelous Mrs. Maisel. I can’t believe I waited so long to watch it! Had I known it was by the creator of Gilmore Girls, maybe I wouldn’t have. Point is, I’m watching it now and it’s fabulous.
I called it a night around 9 p.m.
Total spent: $9.34
I got up, worked and worked on the blog. (Shocking, I know.)
I also paid my city services bill. In the flurry before FinCon I forgot to pay it last month, so it was $88.47 this month, meaning it’s too much to come out of weekly funds. Oh well, one more lingering charge for the credit card. Sigh.
In the end, I actually paid $93.47 because I donated $5 to the electric company’s low-income assistance program.
I got my lip wax ($12) and tipped $3 out of my walking around money.
The ex-plumber had me come over and made me dinner. He was going to make his special — pepper pasta in a cream sauce — but he’s still moving in/getting everything he needs for his kitchen, so that was a no-go. Instead, he made chicken with beans and rice. He apologized, but I thought it was tasty.
We chatted a bit about the fact that I’m dating other guys too. He’s understanding that I’m still (more or less) just out of a long, long-term relationship (12 years, but who’s counting?). But at the same time he’s not interested in dating around himself.
I smell an ultimatum coming in the next month or two. Not sure what I’ll do there. I like him — more than I’d prefer, really — but we’re still different in a lot of ways/beliefs. Ugh. I’m putting off too much contemplation until an ultimatum comes and in the meantime dating around to see if I can get rid of these inconvenient feels.
Total spent: $108.47 ($12 out of weekly funds)
Total spent: $729.48 — minus the impending Victoria’s Secret returns of about $70 — $244.82 out of weekly funds
An expensive week to be sure — what with the glasses, shoes, Victoria’s Secret stuff and utilities being $482.66 — but some of these were long overdue purchases, even the Victoria’s Secret stuff. A black bra is kind of necessary for certain tops I have. Granted the matching undies were hardly necessary (except that I now have a weird thing about matching). But I keep reminding myself that $50 isn’t bad by VS (or most nice underwear) standards.
As for the $244.82, the massage and cut/color accounting for nearly half of that, so I don’t feel too bad about the total there. Still, here’s hoping next week will be quieter financially.