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:
It was a quiet day. I worked, worked on the blog and worked out.
The monthly charge for my massage hit the credit card. By letting them bill me once a month, I get one massage for $50 instead of $65 (and subsequent massages for $40 that month).
I watched TV and generally chilled out.
Total spent: $50
I worked and did my workout early because I had a doctor appointment at my normal workout time. The medication I take for energy is a controlled substance, so I have to see my doctor every month for a new prescription. At least it’s a $0 copay.
On the way home, I stopped at the grocery store to get $20 out for walking around money. I picked up some hummus and cucumbers while I was there, as well as some limes to make Moscow mules at home. The total was $28.87.
I spent the afternoon and early evening doing some flirting on Bumble. As expected, the guys are better about hiding their grossness (at least initially, which is really all that I ask).
Allegedly, I had a date the following night, but the guy was being really noncommittal about picking a time and place, communicating a little sporadically.
That night I went to my friend Kevin’s house party, paying $9.67 (after tip) for the Uber.
It was a lot of fun, even if it was a smaller than usual party. I got a lift home, so that saved me around $10-12 (it’s always pricier to get a return trip around midnight).
Total spent: $38.54
Despite going to bed around 1:30 a.m., I woke up at 8:30 a.m. and couldn’t get back to sleep. I lazed around chatting on Bumble and with a friend.
I got a single text from the dude I was supposed to go out with that night, saying he’d try to think of a place. This was at noon. The day of our date. Still no set time. I decided there was no way it was happening. And this dude is my age, by the way, so he should really be better about communicating.
Anyway, I got pizza and cinnamon sticks ($19.99) as my takeout for the week.
At 3:30 p.m. I headed out to a MeetUp event at a comic book themed-restaurant. It was a lot of fun, though I wasn’t terribly impressed with the wings I ordered. I told the waiter he could take the mostly full plate away, so he comped me for it. So (since I was only paying $4 for the side of fries I got) I gave him a 100% tip as a thank you for a total of $8.34.
But I really shouldn’t have had the fries. Thanks to overindulging in pizza/cinnamon sticks, I was painfully full. Which is, of course, when the guy finally got back to me to set up firm plans. At 6:30 p.m. Ugh.
Still, I had nothing better to do (other than lie around and rub my distended stomach, which I seriously considered), so I agreed to meet him at 8 p.m.
It was actually a pretty fun date. We went to a place that had video games, so we played some Street Fighter and Rampage while we talked. Then we sat down and chatted. He’s super liberal too, so we had a lot of views in common (even if he supports a different candidate for the primaries).
Unfortunately, I’m still trying to decide whether I’m attracted to him enough. His personality helped, but I’m still kind of shallow and (as best I could tell since he wasn’t wearing the most form fitting clothing) he’s got something of a belly. I dunno. I guess we’ll see what happens if he asks for a second date.
I got home around 11:30 p.m. exhausted and crashed in bed. And couldn’t sleep. Ugh. I ended up chatting some on Bumble and even having a phone call with a guy. A 26 year old, so I guess I’m back to my old ways? But he’s an archaeologist and actually has a brain in his head and made me laugh quite a bit. So we’ll see what happens when we go out next weekend.
I finally fell asleep around 2:30 a.m.
Total spent: $28.33
I initially woke up at 8:30 a.m. again. Seriously?! Luckily, I was able to doze back off for about an hour. But I was still tired when I woke up. And had a nasty crick in my neck. Sigh.
I worked on the blog a little, but I was too tired to work out. So I mainly lay around watching TV and resting. I finished the leftover pizza from the previous day and… Yeah, just chilled.
Around 7 p.m. I headed out to meet a guy for ice cream. One who’s 38 years old, incidentally, so I’m occasionally dating age appropriately these days. Who knew I had it in me?
I had a good time, and we decided he should come over the next day to watch a movie or something. I crashed when I got home around 9 p.m. but it took me a while to fall asleep and I woke up for a bit in the middle of the night. I’ve gotta get my sleep back on track.
Total spent: $0
Ugh. I was exhausted. Very, very exhausted. And of course I had two appointments plus a date.
I went to the gynecologist to discuss a new birth control (having issues with the current one), but they didn’t charge me a copay. I guess they’ll bill me later.
After work, I went to therapy ($25 copay).
I was exhausted, but I had to drop off a prescription at CVS. So I stopped in, dropped off the prescription, picked up my new birth control ($0 copay) and signed up for CVS CarePass.
CarePass is pretty cool. For $48 a year, I get a $10 reward each month, and I usually have to get a bottle of contact lens solution every month. So I might as well discount it to $3, right? (Well, $7 if you amortize the $48 over 12 months.)
Anyway, I’m not out of solution yet, so I used the reward to pick up some Aveeno lotion (which I was out of). It was BOGO50, so I spent $7.85 on two $11.49 bottles of Aveeno. Well, again I guess it’s $11.85 when you add in the monthly cost of the CarePass. But still a pretty good deal.
When I’m exhausted I have no willpower, so I picked up some takeout for $9.34. Then I went home, ate it and then lay prostrate on the bed watching TV until it was time for my date. Which was, mercifully, just watching a movie with the ice cream guy from the previous night.
He left around 10:30 p.m. so I didn’t get to bed until 11. Whimper. And of course I woke up for about two hours in the middle of the night. Sigh.
Total spent: $90.19 — ouchie!
I got up, got caught up on work and called my doctor to ask for a Lunesta prescription as my last refill had expired. Thankfully, he called it in immediately.
I lay back down and then almost immediately heard more email notifications go off. So I caught up on those and was going to lie back down when a friend messaged me needing to vent. By the time we were done chatting, I was too awake to nap. So I just spent the day alternating between answering emails and lying down — not to sleep, just to rest.
After work, I picked up two prescriptions, including the Lunesta ($38.25 total) and then picked up pizza and cinnamon sticks because my frozen meals didn’t sound good and following the trend for the week, my willpower is zero in the face of exhaustion. That was a painful $18.27. Ten days into the month and I’ve already blown the takeout budget. Sigh.
I came home, ate and watched TV until 7:30. Then I got ready for bed, took a Lunesta and was out by about 8 p.m.
Total spent: $56.62
Twelve hours of sleep later, I felt practically human!
I woke up, answered emails, did a little work on the blog and then went back to bed because I still had a fair amount of missed sleep to make up for.
I woke up feeling pretty good, but I still didn’t work out because I wanted one more good night’s sleep under my belt. So I just finished out the day quietly, then went to get my lip wax. I bought a package for those back in November, but I still take the cost out of weekly funds. That way the credit card sort of gets paid back. The total was $15 after tip.
I got supplemental coverage for my health insurance, so I now have dental and vision. It’s $24 a month, but the company failed to bill me last month. So I got a $48 bill, which I paid online.
Then it was time for trivia! Normally, I try to order something separate from any group food we get with bar cash (won from previous trivia nights), as this helps support the bar. But we’d accumulated $40 in bar cash and happy hour items were only $6. So we got six dishes to share among the five of us. There was no way I could order more food on top of that. So I just threw in $5 of my walking around money toward the tip.
Total spent: $68 ($63 out of weekly funds)
Total spent: $331.68 ($326.68 out of weekly funds)
Ouch, quite an expensive week. But what with the $48 CarePass, $48 insurance premium and $50 massage charge… I’m not too shocked. Hopefully, next week will be quieter financially.
How did your week go?