This post contains referral links. I may be compensated for sign-ups through them.
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:
This was a lazy day. I was up late with the date from the night before, so I needed a nap once I got caught up on emails. I woke up and worked on the blog for a while in between emails.
My legs were tired (read: feeling slightly weak) for some reason so I decided to skip the workout.
Mom and I sat around watching TV and chatting. I didn’t actually leave the house, so no money spent. Hooray!
Total spent: $0
Mom and I went out for breakfast to Cracker Barrel — with a gift card she redeemed from credit card rewards, of course. I left $3 from my walking around money as a tip.
I got caught up at work and crashed for a short nap. Then I got up and worked out. My legs were still tired today, not sure what’s going on there, but I couldn’t skip working out two days in a row. So I just did the video without ankle weights.
A friend suggested maybe I’m low on magnesium, so I’ll consider getting some supplements.
Mom and I ran out to do a few errands. I mailed my health insurance premium then took Mom to Dollar Tree. It’s one of her favorite destinations when she visits me. I got a few cleaning supplies at Dollar Tree ($3.26).
We then went to PETCO and got two boxes of litter plus a bag of food ($83.59). The PETCO charge went on a discount gift card I’d purchased a while ago (at around 30% off, baby!), so it didn’t come out of weekly funds.
I wanted a couple more things from Fry’s (okay hummus, I wanted hummus), and Mom got some more soda and a couple odds and ends for a total of $10.15 with $3 to saved savings.
I went and got some candy from Walgreens for $1.69.
Mom did a load of laundry that evening ($3.50 to the Washer/Dryer fund).
Total spent: $108.19 ($18.10 out of weekly funds)
It was my overtime weekend, so I got up at 8 a.m. and tackled emails. They were pretty reasonable, so I was caught up by 9 a.m. Then I switched to working on the blog for a few hours, answering emails as they trickled in.
I worked out. Legs are still a little tired-feeling. Not sure how much that’ll change if I keep working out. On the other hand, I don’t want to miss exercise days because — yesterday’s Cracker Barrel breakfast and evening candy aside — I really am intent on losing weight.
So I compromised by strapping on the five-pound ankle weights but doing the easiest of the three-mile videos.
I finished up the workday, but Mom was still plugging away at a freelance piece. I decided to give her some more quiet time and went to a party at my friend Kevin’s house.
Unfortunately, everyone who stuck around at the party seems to have Ubered to the party too, so I had to pay for both a Lyft ride there and back for a total of $25.34. Not the cheapest fun to be had, but certainly better than hurting myself or someone else by driving drunk (and much cheaper than a DUI).
Total spent: $25.34
I was up until about 1:45 a.m. and woke up at 8 a.m. to start work, so I crawled back into bed as soon as I was caught up on emails. I felt much more human when I woke back up from the nap.
I worked on the blog a bit and worked out and otherwise killed time until I had a dinner with a guy from my company who’s in town on business. He comes in once a year for a conference and we have dinner and catch up. This time, his daughter was there, and Mom was invited too. So we all chatted.
Mom and I came home and started Locke & Key on Netflix. I’d read the graphic novels a few years ago, so I was curious to see how they’d do it. So far, suspenseful and a little spooky.
Total spent: $0
I woke up and took care of emails. Then I laid back down. I’d had trouble falling asleep the night before because my brain had been racing.
I’ve been a little restless the last few days, so it may be that I’m having a low-level manic cycle. I dislike it greatly — who likes racing thoughts and being slightly antsy? — but all I can do is use any extra energy it generates to get stuff like errands done.
It was a rest day, so there was no workout. Meaning the workday felt even longer than usual.
Mom used some of her Amazon credit from Swagbucks to buy me some fiber gummies. I put what I would have spent into saved savings ($25.48).
I was running low on a couple of makeup items and Walgreens was having a BOGO50 sale plus there were $8 worth of coupons. Mom used her Walgreens rewards to get me another $10 off, so I paid $0.49 for foundation and concealer. I put $10 into saved savings. The $0.49 came out of my walking around money.
Monday is 50% off day at the thrift store Saver’s, and Mom loves to poke around when she’s down here. So we headed there after work. I found two three shirts. Mom found two plus a new nightshirt.
We decided I’d pay for everything ($13.79) with my credit card and Mom would PayPal me her portion. That way, I’d get the Swagbucks. (If you’re not already signed up for Swagbucks Local, definitely check it out. Local restaurants will provide SB when you use a linked card. But also some local retailers like Saver’s!)
On the way home, I swung by Frys to pick up my annual dose of conversation hearts, some chocolate for my desserts, and one thing for Mom that escapes my memory. The total was $6.57.
Total spent: $64.33 ($56 out of weekly funds once Mom PayPals me the money)
I had to start a new financial week, but the last one went on for 10 days, so that’s pretty darn good! Unfortunately, as it was the end of the month, money was getting tight. Which is a little puzzling.
Given that most of my financial weeks are lasting more than seven days, but I’m budgeting for 30-31 days at $40 each, I should have more of a surplus at the end of the month than I do. I need to sit down and figure out what’s going on.
I worked, worked out and worked on the blog. I took my car to the mechanic because the “Check Tire Pressure” notification wouldn’t go off even though I’d gotten the tires filled. Also, there was a scraping sound when I went over dips or right as I started up small inclines. I was worried that there was a small leak in the tires and it was causing something to drag.
Turns out, the front… Um… I think they called them shields underneath the car? Well, one or more of them (there are apparently three) had started to drag. Apparently, these aren’t the cheapest things to replace. So, God love ’em, the guys at the shop just zip-tied the things up and said they’ll re-evaluate whether that’s enough when I come back in for my next oil change. They’re hoping we can just avoid replacing them altogether.
They also managed to turn off the notification. And this all cost me $0. Which is why I love that repair shop.
I came home, and Mom and I watched some The Fabulous Mrs. Maisel.
Total spent: $0
I didn’t sleep well Tuesday night, so I was dragging most of the day. Mom fussed around doing yet more cleaning (she’d mopped the night before). I love it for obvious reasons, and she likes to feel like she’s making my life easier. Which she is, of course. The point is, everyone wins.
Around noon, I ran to the bank to get $20 of walking around money, then I dropped by my optometrist to pick up my new left contact. (As you may recall, I lost the last one at some undetermined point. The prescription is so weak that I couldn’t easily tell the difference when the lens fell out.) The replacement lens was a painful $90 but whatcha gonna do?
I was having pretty terrible fatigue in the afternoon. So I had to practically drag myself out the door to go get my business taxes done. I got there only to be told that the person they scheduled me with doesn’t do S-corp taxes.
No one who did those type of taxes was available, so they rescheduled me for the next day. But I was pretty peeved given how hard it was for me to get there in the first place — and I’d been very clear when making the appointment that I had an S-corp. I complained (politely) on Twitter @-ing H&R Block.
To its credit, H&R Block responded within 10 minutes and within 40 minutes I got a call from someone at a different branch. They apologized, said they’d rescheduled me at that location with an expert in business taxes and let me know I’d receive a discount. So all in all, pretty great customer service.
Other than that, Mom and I sat around watching The Marvelous Mrs. Maisel and chilled out.
Total spent: $110 ($20 out of weekly funds)
Total spent: $307.86 ($119.44 out of weekly funds)
Wow, a super cheap week! I had an unprecedented THREE no-spend days. Obviously, I go out less when Mom’s here, so she deserves some of the credit there. But mainly I just had very, very few things I needed to buy this week. It happens once in a blue moon.
How did your financial week go?