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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. As charges accrue, 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 worked, worked out and worked on the blog. (I know, surprise surprise.) After work I ran to Fry’s to pick up two medications and some groceries. The medications were $16 and $81.96. Amounts over $75 don’t come out of weekly funds, so I just took the $16 out. I also bought $26.04 in groceries with $3.07 more going to saved savings.
This required me to start a new financial week a day early. Too much spending lately!
I came home to find that Schitt’s Creek had new episodes, so I watched that all night.
I also texted with Darryl for a bit. I kind of miss him when he’s not around. I don’t like that. Makes me feel all vulnerable, and I’m staunchly against that. I’m very comfortable with my emotional walls.
Anyway, we agreed to see each other the following day, which made me annoyingly happy. Ugh.
Total spent:$127.07 ($45.11 out of weekly funds)
I worked, worked on the blog and worked out. Yep, again.
After work, I ran to CVS to pick up a couple of things, including a medication. The total was $17.37.
I swung by Darryl’s around 5 p.m. and we hung out for a bit. We ended up making a trip to Goodwill so he could find a cookie sheet. While we were there, I looked for shoes to go with the dresses I’d found on Monday.
I found a pair for $9.99 that were killer (in both fashion and probably for my feet but oh well, that’s high heels for ya).
I picked those up, then we went back to Darryl’s place to watch a little TV.
He gets up ridiculously early thus was ready for bed at 8:30. I took off, came home and tried on the shoes with the dress. Definitely killer.
Granted, he probably won’t be going back out to the club any time soon — which is great for both of our budgets — but if nothing else, now I have my New Year’s Eve outfit!
I woke up before my usual 6:45 a.m., which was annoying since this is the only weekend this month I get to sleep in. Sigh. I stayed in bed for half an hour or so checking emails and putzing around online, then gave up and got up.
The Banfield plan hit the account for $33.95.
I had a few errands to run, including picking up the one dress whose zipper was being replaced and returning a couple of things to a couple of stores. Unfortunately, one of those things was at the mall, which doesn’t open until noon (it’s a dying mall). So I had to vamp until then.
I worked out, ran the errands and then stopped by Fry’s to pick up the makings for buffalo chicken cheese dip. Darryl had invited me over to his place to watch football on Sunday. While I don’t give a hoot about football, I figured it was better than sitting around twiddling my thumbs at home.
I picked up blue cheese dressing, cheddar cheese and tabasco sauce plus a premade sandwich that looked delicious for a total of $15.51, and $1.20 went into saved savings.
Around 5:30 p.m., a friend texted me. Apparently, the guy who throws all of the house parties was having a few people over, and I was invited. Hooray! Something to do!
I ran back out and got some juice as a mixer ($1.89 plus $0.10 to saved savings), then hopped in the shower and made myself presentable. Then I took an Uber over ($11.14 after tip).
We drank, played games and generally kibitzed. A good time was had by all. I took an Uber back for $12.21 after tip. I still have an Uber gift card balance so the amount I paid for Uber went into saved savings.
Total spent: $76
I woke up around 7:30 for no good reason. Especially frustrating because I didn’t get to bed until around 1 a.m.
I lay in bed checking email and discovered Raise was having a 4% off sale, and Mr. Rebates had Raise at 6% cash back. I’m down to about $5 on my Uber gift card. Uber GCs were only 0.1% off, but with the discount and cash back, I got just about 10% off. So I picked up $80 worth for $76.76 upfront (with $4.62 coming to me in cash back later).
The purchase was good for two reasons: My new rewards card came, and I need to make sure I hit the spending threshold; and I know I’ll use the Uber credit at some point. So I might as well get the discount.
Since it’s over $75, the money doesn’t come out of the weekly funds.
I got up and threw the chicken in the slow cooker to start the dip-making process, and then I did some work on the blog.
At 1 p.m., I turned off the slow cooker, and at 1:30 I started making the dish… Only to discover that I’d grabbed chipotle tabasco instead of regular. I muttered a few swear words, then went to the store to exchange it for the right kind.
There was a backup at the customer service desk, so I didn’t get back until 2 p.m. I finished putting all of the ingredients together, then threw it into the slow cooker, worried about the time since Darryl was due to get off at 3 p.m.
Luckily, it took him a little longer to get home than expected, so there was plenty of time for the dip to cook. I headed over to his place around 3:45 p.m. I’m happy to report that the dip was a big success. The two of us polished it off completely. Now I just have dishes to clean up. Sigh.
We watched a little football before he got disenchanted with the game. So we watched The Good Place, which I’ve just introduced him to. He’s loving it.
I left around 8 so he could get some sleep. (He wakes up super early.) I came home, figured out the monthly finances — since my check had finally come on Saturday — and then went to bed.
Total spent: $76.76 ($0 out of weekly funds)
My Groupon Select membership hit my card ($4.99). I signed up for it with a six-month agreement so I’ll be cancelling it in December. Still, I saved more than $30 by agreeing to sign up, so it was worth joining.
I’m almost out of fiber gummies — I swear I’m a grownup, but dang those things are tasty! — so I bought some more. I got a 220-count bottle for $21.44 after tax.
I picked up a medication from Fry’s for $5.44. I also picked up some more chicken breasts (the buffalo dip took me down to just one) and a bag of chips for a total of $8.24, plus $2 going to saved savings.
I picked up some bleach and sponges at the Dollar Tree for $2.17.
Then I went home and watched the TV show Van Helsing until an hour before bedtime, at which point I put on The Rookie as a palate cleanser to help avoid nightmares.
Total spent: $44.28
I worked and worked out. Today was the day that Hulu was debited out of my account ($6.49).
At 4 p.m. I met up with Darryl to go see Gemini Man. It was a decent film, though the first half was very different from what the previews made it out to be, and I’m not sure the movie completely knew what it wanted to be — action or a character study of a burned-out hit man.
I was going to pay for the tickets, but I got an AMC gift card by redeeming MyPoints. The film was only available in IMAX, so the tickets were $19.89. I put that amount into saved savings.
Darryl got the popcorn and his drink, so it didn’t cost me anything. He also paid for us to get some pizza after the show.
So all in all it was a low-spend day compared to the days I’ve been having recently. Especially since most of what I “spent” went into saved savings.
Total spent: $26.38
I worked, worked on the blog and worked out. So unprecedented, I know.
After work, I went and got my weekly takeout ($9.34). I was going to a book club, and I didn’t want to be struck by hunger pangs while out and about. And lately, my diet dinners haven’t been staying with me all that long.
I also purchased my ticket for the Halloween bar crawl my friends and I are doing on the 26th. That was $6.24 after service fee, so not much at all. Meanwhile, we’ll get drink specials at six different bars. One of which has drinks that I loooooove. So it’s worthwhile.
Book club was okay. Nothing spectacular as we just didn’t have a lot to say about the book. Maybe because it was a series of disjointed short stories with no real overarching theme. We set up the next book to read (The Haunting of Hill House), and agreed to meet in early November.
Here’s hoping the library gets me a copy in time because I prefer not to buy books. I never reread them (Terry Pratchett books aside), so they just sit there gathering dust.
I came home and watched a bit of the TV show Van Helsing, then went to bed around 9:30 p.m.
Total spent: $15.58
Total spent:$393.43 ($234.71 out of weekly funds)
Not the best week, but not bad overall, especially given all of the spending I’ve been doing. Here’s hoping that next week can be a little quieter.