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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:
Our Halloween celebration depleted my Uber cash, and it was the last day that Raise would be offering 6% cash back on Mr. Rebates. So I loaded up on $100 worth. I paid $97.50 and will get $5.85 cash back later for a total discount of 8.35%. Not bad.
Since this is more than $75, it doesn’t come out of weekly funds.
I worked, worked out and worked on the blog. After work, I went to Walgreens to get more candy in case of trick or treaters. But I’m not counting it here because I got zero kids coming to my door, so I returned the candy the following day for a full refund.
While I was out, I got a mini pizza for $10.77 after tip. Then I sat around all night watching Empire and waiting (pointlessly, as it turns out) for costumed kids to arrive.
Total spent: $108.27 ($10.77 out of weekly funds)
It was a quiet day for the first half. I worked, worked out and worked on the blog per usual.
After work, I ran a few errands, including returning the Halloween candy to Walgreens.
And it’d been a couple of months since I got a stain on my bedspread so of course it was due for one. Which meant taking the damn thing to the dry cleaner. Again. I’ve spent more on dry cleaning than I did on the comforter set. I may need to get a duvet cover, but I really love the design of the bedspread. I’ll figure something out. Anyway, it was $25 to get the bedspread cleaned.
Then I ran to the store. I picked up too much junk food, plus some vodka for future house parties as it was on sale. So the total was $41.92.
Darryl came over for a little bit, but he was wiped out. He had partied hard the night before for his birthday and was still pretty weary. So he didn’t stay long.
I chilled out after he left, eating too much junk food and watching Empire.
Total spent: $66.92
I woke up at a glorious 9 a.m. I ate Cap’n Crunch and watched more Empire and generally did nothing. At least until I realized that I had never paid the mortgage for October and it was November 2nd.
Then I dashed out to the nearest Bank of America and paid up. I don’t think you get dinged with a late fee unless you pay after the 5th, but it was still stupid. I’ll have to be more careful in the future.
And yes, I had to pay in person. When they took Tim’s name off the mortgage — despite the loan number staying the same — something weird occurred so that I can no longer make online payments. I have to call or mail it in or go in person to the bank. Since I needed the payment to go through asap (and it was the weekend so no phone support), that left the bank visit.
And no, I can’t do auto-pay in the future because the amount I pay each month varies depending on a variety of factors. So I usually just call it in.
It’s a pain, but what can ya do? Other than kvetch about it a little, anyway.
I went home and proceeded to watch TV, play on Twitter and do absolutely nothing other than a load of laundry all day. It was glorious and very restorative. I put $2.50 into the Washer/Dryer fund for the load of laundry.
Total spent: $2.50
It was another cheap day. I did a little cleaning, then worked on the blog. I worked out in the afternoon. Begrudgingly (it was weights day) but I did it.
Beyond that, I watched Empire and ate too much junk food. That’s about it.
I got up groggier than usual, maybe because the light was so dim. I think it’ll be time to pull out the SAD light soon. I worked and worked on the blog, then laid back down for a bit.
I paid a doctor bill for $27.63.
A friend put a house party on MeetUp for Friday night, which was the only night this week I wasn’t doing something, so I was pretty jazzed and RSVPed.
After work, I went to AutoZone and picked up a tire pressure gauge ($13.02). The “Check Tire Pressure” notification has been on for a few days now. The car needs to not have been driven for three hours when you test, so I’m going to check the pressure tomorrow and put in air as needed.
I went home and chilled out for a while. Darryl came over around 7 and we hung out for a couple of hours before I had to get to bed. We agreed to see each other on Wednesday.
Total spent: $40.65
I worked and worked on the blog. I skipped working out to ensure that I had two rest days this week.
My friend changed his house party to Saturday, which is the day my friend Christine is celebrating her birthday. Poop. I un-RSVPed to the house party and pouted a little.
I checked the tire pressure and ye gods was it low in a couple of the tires! After work, I went to QT and put some air in. I was feeling like such an adult, but then the digital pressure gauge was giving me funny readings and eventually a guy had to come help me out and do three of the tires for me because there were multiple people waiting. So… Not terribly adult-like. Sigh.
I went home and chilled out until book club.
I found a pashmina to go with my dress for my friend’s wedding. (It’s a sleeveless dress and, embarrassingly, I now find Arizona winters chilly. Sigh.) The pashmina was a lightning deal on Amazon so it was only $11.07. Here’s hoping I like it!
Around 6 p.m. I drove downtown for book club. I paid for three hours’ of parking ($4.85) though I ended up only needing two. I had a grilled cheese sandwich and fries there, which was $13.82 after tip.
The book club was fun enough, though it was sometimes hard to hear everyone above general restaurant noise. And we got sidetracked pretty quickly from talking about the book — we didn’t feel there was a lot to say about it — and just chatted in general. At the end, we decided to read All the Pretty Horses for next month.
I came home around 8:30 and got ready for bed because I had to be up and alert for the electrician at 7 a.m.
I worked and worked on the blog while the electricians did their thing. When they were done, I was charged the remaining balance (after the deposit I put down), which was $415.69. Ouchie.
I worked out but otherwise passed the day quietly until 5 p.m. when I saw Darryl again. We just chilled out, watching some Shameless on Netflix, then got some dinner and later some dessert. I tried to pay for dessert, but he waved away my card. I feel bad because I make more than he does, yet he pays more often than not. I’m trying to start paying more. We’ll see if he lets me.
I left around 9 p.m., came home and passed out.
Total spent: $415.69 ($0 out of weekly funds)
Total spent: $662.77 ($149.58 out of weekly funds)
Welp, this is another strangely dichotomous week. Obviously, my spending was far, far, far up for the week, but also obviously the electrician bill is what really did it in. When it comes to weekly funds, it was actually quite the frugal week. So I’m not sure how to feel about this one. I guess pretty good overall? After all, the work on the guest house needed to be done.