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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 did a load of laundry in the morning, so I put $2.50 into the Washer/Dryer fund. I know that $2.50 is unrealistic these days. Any of you who use a laundromat, please let me know what you spend.
I returned some shoes to Macy’s. I’d ordered them online, then promptly found ones I liked better at a thrift store. That’ll teach me to look before I leap.
On the way home, I picked up groceries. I spent $15.93 and put $7.68 into saved savings thanks to some digital coupons and a sale on my frozen meals.
I came back, and it continued to be a quiet, quiet day. I didn’t feel well when the time came to work out, so I skipped it.
I was supposed to see Darryl after he got off work, but he was beat. He switched from being a delivery driver to being back in the store, this time as the plumbing specialist. It had been a hectic day, and he apparently wasn’t going to be great company. So we agreed to see each other Friday. Ho hum.
I finished up Season 3 of Van Helsing, then ran to Walgreens to get some candy ($9.99). Ostensibly, most of it is for trick or treaters (with some pretzel M&Ms for myself). But we’ll see how long the candy lasts.
My book club book — The Haunting of Hill House — came in, so I read that while I munched on pretzel M&Ms. It’s definitely a bit eerie. Maybe I won’t keep reading it at night in the dark.
I went to bed around 9:30 p.m.
Total spent: $36.10
I woke up around 2 a.m. for no apparent reason, staying awake until at least 4:30, just lying there waiting to fall back asleep. It sucked because it means I was too tired to work out.
Plus I had two appointments that day that I had to make, which I was weary for. Oh well. One of them was my monthly massage, which just requires me lying quietly, so not a big energy expenditure. I tipped the masseuse $13 out of my walking around money.
I had takeout during the daytime ($9.34). It had been eight days since my last takeout meal, so at least I’m spacing them out okay.
I got through the day and even went to dinner with Darryl. He had a $50 gift card to a local restaurant. I picked up the small amount leftover after the GC was applied, plus I took care of the tip ($19.56 total).
Total spent: $41.90 ($28.90 out of weekly funds)
I’d hoped to sleep in, but I was awake around 7 a.m. I lay in bed trying to doze until around 8, then I checked email and texted with a friend. Around 9:30, I went to fill a medication ($15).
While I was at CVS, I picked up a couple of things. I used some gift cards Mom had gotten me through one of her rewards programs, so $10 went into saved savings and I paid just $5.45. I got $3 in Extrabux from my purchases, which I used to buy a bag of Flipz ($0.89) because I didn’t need anything else and frankly they sounded delicious.
I got home around 11 and read for a bit, then dozed for half an hour or so. I also ate a copious amount of candy. Always happens when I read. It’s something I need to work on.
The bar crawl was that night, so I tried to rest up during the day, especially since I hadn’t slept quite enough the previous two nights. So I spent most of the day bored, but it was worth it to go out with my friends.
Here’s a shot of our little quintet:
The first two are obviously pirates. The gal in the pink leggings is the Lisa Frank leopard, and the one on the end is a black widow spider. Impressively, she put that costume together in about three hours, plus an hour or two of shopping.
The crawl itself was fun, but the finances are confusing.
My friend Leila (the spider) and I live close to each other, so I drove to her house and we Ubered downtown and back. We figured she’d pay for the ride there, and I’d pay for the ride back.
The ride down was only $18.03, whereas the one back ended up being a heinous $57.42 after tip thanks to surge pricing. We could have waited 30-45 minutes — or, in retrospect, taken a cab — and saved probably $10-15, but I was exhausted (two nights of not-enough sleep, plus being out until 2 a.m.). So I needed to get home asap.
Thus, we paid through the nose, and I paid significantly more than she did getting us around.
That said, she paid for the group’s two drinks each at one of the places. (It was so crowded that we ordered as a group at the bar.) So I owed her $18 for the two drinks there plus $9 for the first Uber ride. After doing the math, we realized we could just call it even.
I paid $6 for the drink at the first bar, the next one was covered by Leila, and the third drink (a $3 shot) was covered by a second friend when we once again ordered in bulk. Then I paid $5.34 at the fourth bar.
Plus I had to Uber between bars at one point because it was a 3/4 mile walk, and my shoes were hurting my feet already. The Uber was $13.78 after tip. Damn you, surge pricing!
Then at the end of the night, we went to a bar that also served food. I overordered on food so have leftovers, but I paid $33.15 for the food and my drink.
All in all, I paid $119.69. Owie.
Waaaaaay too much obviously, so I’ll be more careful next year. That means being prepared to wait out surge pricing, not ordering food if possible (and keeping it small if I do) and trying to avoid a costume with heels. Still, it was a fun night out so I’m going to try not to beat myself up about it too much. Too much.
The dollar amount is large enough that it doesn’t come out of weekly funds.
Total spent: $151.03 ($31.03 out of weekly funds)
I was able to sleep in and got a full eight hours. Not quite enough for my purposes, but better than I had been managing.
I read for a while, then fell back asleep for about 40 minutes. Ahhhhhh, that’s better.
I got up but stayed in my PJs. I ended up staying in them until around 5 p.m., so all in all a good day.
I had a lunch of the leftovers from the prior night. Then I finished the book club book, The Haunting of Hill House, which was actually pretty spooky. (As an Amazon affiliate, I earn a small commission from sales made through the Amazon links on this site.)
I didn’t work out because the shoes from the night before caused some sore spots on my toes, and it hurt to wear shoes.
Still, I did manage a grocery store run at 5 p.m. (I just winced a little when I walked). I went out because I was craving hummus and besides I was nearly out of my dessert chocolate. The total was $9.85.
I came home and ate dinner and watched a little TV and called it an early night to help me catch up on my rest.
Total spent: $9.85
It was a quiet day. My toes’ sore spots were still pretty raw so I skipped working out for a fourth day in a row. Re-entry is going to be a pain.
I worked on the blog and worked and then just generally killed time. I finally started watching Empire. I totally get the fuss now — it’s very engaging.
Total spent: $0
It was another quiet day. I gave my feet one last day to heal, so I just worked and worked on the blog all day.
The guest house had yet another problem. Which probably shouldn’t be surprising. This time, the outlets for the fridge and two of the other outlets on the same wall stopped working. (Puzzlingly, the stove still worked though.)
We put some of the tenant’s stuff in my freezer, and she put some fridge things on ice in a styrofoam cooler.
I spent the night trying to get an on-call electrician to call me back (unsuccessfully despite three calls) and watching Empire. I also paid a utilities bill for $45.
Total spent: $45
Two hours in, and it was already a day.
My iPad (aka my alarm clock) died due to low battery, so I woke up an hour late. There were 51 emails waiting for me.
While I was trying desperately to catch up, the tenant texted to see if I’d had any success with the electrician, which I’d completely forgotten about in my panic. I caught up on emails and called the company from the night before, politely-but-tersely complaining that I’d never gotten a call back.
They apologized profusely and got me an appointment for 12-2 p.m.
I worked out at 11 a.m. since the electrician could come during my normal workout time. So all in all, it was a rushed morning.
It turns out the problem is that the fridge and outlets are on the same circuit. The electricians got everything working again ($240, ouch!) but highly recommended installing a separate circuit for the fridge. They also recommended converting the outlets in the kitchen to GFCI ones and found a small leak in the roofing above the fuse box (eek!), which they recommended fixing.
Based on their description, I was expecting a $1,500-2,000 estimate, but it came in at $651.39. Painful, but nowhere near what I was expecting.
So I called the company and set up an appointment for the following week to get the work done. I had to put down a deposit of $235.70.
Then I settled down and watched Empire until Darryl got off work and could come over around 8 p.m.
Once he got there, I was finally able to give him his birthday presents. I’d only had the things wrapped and ready to go since the 9th! It was two framed pictures of Marilyn Monroe. He loved them, so that made me happy.
We got some food ($20.47), which I paid for. We hung out for a bit, and he left around 10 p.m.
Total spent: $496.17 ($20.47 out of weekly funds)
Total spent: $780.05 ($171.35)
Well, this week was just good and bad simultaneously, wasn’t it? Great spending out of weekly funds, terrible spending in general. Now, most of the “terrible” comes from the almost-$500 in electrician bills. But of course the Halloween fun was a big culprit too, so I can’t count this as a truly frugal week. Sigh.