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 woke up feeling relatively alert, which is always a nice change of pace. I got up, took out the recycling and then settled in to work.
After I got caught up on emails, I got a message from my tenant that she’d found some silverfish. Eek! So I called Orkin and set up an appointment for later that day.
A friend messaged to see if I had a USB headset because her company said that if she got one of those and had an Internet connection, she could work from home. It took me about 20 minutes of rifling through drawers, but I finally found it. She’s going to come pick it up Friday or Saturday. She was very excited.
Mom started a laundry. Which made me realize that I forgot to put money into the Washer/Dryer fund the last time she did laundry. So $7 went into the W/D fund this time.
I did some work on the blog, and at 1 p.m. I worked out again. Once again I spent the rest of the day feeling a little wheezy. Stupid bronchitis-or-whatever-it-is.
After work, Mom and I made our weekly grocery run.
We spent $6.09 at the Dollar Tree and $53.18 at Fry’s, plus I took out $60 to pay Mom back for the yard guy. She’d fronted me the cash a couple of days prior so I wouldn’t have to make a separate trip to the bank.
We came home, put everything away, then I watched some Elementary until she was ready to watch Star Trek Discovery with me.
I went to bed around 9 p.m. but didn’t fall asleep until about 10:30 p.m.
Total spent: $126.27 — ouch ouch ouch
I worked, worked on the blog and worked out. That’s… pretty much it.
My paycheck did come, so I deposited that.
After work, I watched some Elementary until Mom was once again ready to watch Star Trek Discovery. Once we finished season one of that, we decided to switch over to Archer because we needed some laughs. Mom’s missed the last three seasons, so we’ve got some episodes to get through.
I went to bed around 10 p.m.
Total spent: $0
I had to work this weekend, so I got up at 8 a.m. and cleared out the inbox. Then I worked some on the blog.
I wrote out a paycheck to myself and figured out the month’s finances. Looks like it should be a good month.
It turned out Mom’s milk had gone bad. We thought it had a few more days left in it, so we hadn’t gotten any when we went to the store Thursday. Argh.
I’d already wanted to go to Walgreens to get my yearly Cadbury Egg (Fry’s had been out on Thursday) so we figured we’d get her milk there. And since I have no willpower, once I was there, I also got two bags of M&Ms for a total of $6.99.
Unfortunately, the only milk they had was going to expire in three days. So we had to go back to Fry’s and pick up some milk there. While we were there, Mom stocked up on soda and also some ramen, now that it was back in stock. I’d covered the last few grocery bills, so Mom insisted on paying for her stuff this time.
Then we came back, and chilled out. It was my rest day, so no exercise. Mom doesn’t like to let food go to waste, so she used the old milk to make pancakes and put them in the fridge for later.
Around 3 p.m. we started watching more Archer episodes in and around emails coming in. I ate way too much food — hooray, stress-eating — and generally just killed time/laughed at Archer’s foul, silly humor.
I went to bed around 10 p.m.
Total spent: $6.99
I got up and cleared out emails, then I worked on the blog for a bit, finishing Monday’s post and creating an image.
The Banfield plan hit my card for $33.95.
I waited til Mom was up before starting laundry, since I knew she had a few things she’d want to throw in. I put $3.50 into the Washer/Dryer fund for that load.
Late morning, I saw a tweet that infuriated me. It was a callous joke about COVID-19 death rates. (Essentially, it boiled down to, “I’m writing fiction about a pandemic and really want to scare people. So should the survival rate be 97% or 98%?”) I’m fine with humor about COVID-19, even macabre humor, but to minimize deaths because “only” 2-3% of infected will die… That bypasses macabre and goes straight to heartless.
So I tweeted about it and got mostly supportive tweets but some of the predictable rude/dismissive ones too.
I got ones telling me to calm down. (Why do men think it’s okay to tell women to calm down? I’ve literally never seen a man tell another man on social media to calm down.) I had a couple of guys say that some people just look for things to be offended by. (I’ve taken off on someone else’s tweet maybe five times in my five years on Twitter. Probably more like three. Truly, I must be on the hunt for outrage.)
And of course some people felt the need to point out that other things cause even more deaths. (I reminded them that my problem with the tweet was its cavalier attitude toward deaths, not whether these were record highs for all known conditions.) Also, of course one guy had to note that the deaths that were happening were disproportionately elderly and already-sick people, which… Makes their deaths okay I guess?
I stopped checking social media for a bit so I could work out. By the time I was done, the person whose tweet had sparked this all was looped in, and he let us know that he’d actually deleted the tweet shortly after I had initially tweeted about it (without having seen my reaction). He realized it was in bad taste and removed it. He then apologized to various people in the Twitter thread.
He even messaged me, saying mine wa an account he enjoyed so he was sorry and hoped I wouldn’t block him. So I agreed to his request to remove the initial tweet, and I announced in a separate one that he’d apologized and removed the offensive post.
(Fun fact: A few days later, he blocked me and a few others who’d agreed with me and tweeted that he’d been attacked by “brittle spirits” and that people could accept his humor or [expletive] off. So predictable. But too bad because, other than that one tweet, I had enjoyed his account.)
Mom and I watched some more Archer. Archer is made up of such silly, dirty humor but… It’s just so damn funny.
I did all of my quarterly taxes and unemployment forms. It meant filling out four forms and one online filing plus writing out three checks. Ugh.
Mom read me an article from the Washington Post that was an account by a small business owner of how hard minority neighborhoods are being affected. He himself has started tabs (something he’d never done before) and therefore isn’t sure how he’s going to pay his own bills.
It was moving, so I looked up the store’s address and wrote out a $50 check. I told him to cover someone’s tab with it. I’m not counting it in today’s total because charitable giving doesn’t come out of weekly funds.
If anyone else reads the story and is similarly moved, the guy’s address is: Burnell’s Lower 9th Ward Market, 2036 Caffin Ave, New Orleans, LA 70117
I went to bed around 10 p.m.
Total spent: $87.45 ($37.45 out of weekly funds)
I put the envelopes out into the mail first thing.
I couldn’t believe it was only Monday. The pandemic makes time passage feel surreally slow, and having worked the weekend didn’t help either.
I worked and worked on the blog in the morning. My check still hadn’t cleared — annoying since it was drawn on a Chase business account and deposited into a Chase checking account. It meant I couldn’t settle my finances for the month yet, let alone write them up for Thursday’s post, so I was very grumpy.
About an hour before I was supposed to work out, my lungs started bothering me again. I felt increasingly breathless. Nothing worrying enough to see a doctor, but certainly enough that I didn’t feel safe working out.
I don’t know if it’s pollen levels — those have never bothered me before — or if it’s an upper respiratory or some combination of the two. I just know it’s inconvenient, and the seemingly random waxing and waning is a bit maddening.
I went out and got takeout ($10.34 after tip) from my favorite local business for the first time in ages. I want to support it, but I also am trying to stay home. It was curbside pickup, and I was careful not to touch the woman as she handed me the food. Annoyingly, I didn’t think to get a gift card while I was there. Next time, I guess.
I went home, ate and watched what turned out to be the series finale of Elementary. So that was surprising.
After work, Mom and I finished catching up on Archer, then we started the latest season of Lucifer. Mom and her friend are fans, but they don’t have access to Netflix. So Mom’s friend is going to be very jealous when she hears about it.
I went to bed at 9:30 p.m.
Total spent: $10.34
I woke up a little groggy, but I worked and worked on the blog.
My check had finally cleared, so I spent the morning (after catching up on work) doing all the math, setting up all of the transfers and then writing up my monthly financial update.
My lungs felt better, so I had no excuse not to work out. And it was the day for the video that included 5-lb. dumbbells. That was… not fun.
Afterward, I had a lot of trouble drawing a deep breath. It was super uncomfortable and, what with my history on a ventilator, made me mildly panicky.
I started watching Legends of Tomorrow’s season three. I had given up on the show after season two, but a friend convinced me that it got more fun starting in season three. So I decided to give it a whirl. He wasn’t wrong.
Mom needed to take a walk, and DF wasn’t available to talk to on the phone. So I went with her as company. It wasn’t a terribly long walk — thank goodness, since I’d already worked out — but it lasted probably 15 minutes. And everyone’s always trying to convince me that fresh air and sunshine will help my overall disposition, so at least I’m giving it a try, right?
Mom was working on a post — she’s going to try hard to post regularly, especially now that a lot of people are needing more frugality advice than they have in a long time — so I kept watching Legends. She stopped around 8 p.m., so we watched two episodes of Lucifer.
I went to bed at 10 p.m.
Total spent: $0
I woke up, worked and worked on the blog.
This was the day I upgraded to the 5 lb. ankle weights. I chose the easiest of the videos, but I still had to quit with about 10 minutes left (so I did about 30 minutes). My legs had gotten very rubbery, and I was afraid of overdoing it/falling.
After work, I watched Legends of Tomorrow and ate my diet food. Around 5 p.m., Mom wanted to take a walk, so we went and did a couple of laps on the loops in the park next to me.
I tried to stick to my diet. I really did. But anxiety and extra hunger (but, let’s face it, mainly anxiety) made me give in and order pizza and cinnamon sticks ($29.97). I got a medium pizza so there’d be fewer leftovers. (A small or personal would’ve been under the delivery threshold.) But I’m still a bit disappointed in myself.
Still, it’s a tough time. So I need to not be too hard on myself — while still trying to lose the 5ish pounds I’ve already put on during this quarantine (and I was already up a few to begin with). It’s a balancing act.
Mom finished her post and put it up, then we watched some Lucifer. Meanwhile, I’m compiling a list of other shows we should watch. Because we’ve still got some time left in this stay-at-home order.
Total spent: $29.97
Total for the week: $261.02 ($211.02 out of weekly funds)
Definitely not the cheapest week, especially considering I only left the house one day. But a good chunk of the total was groceries and yard work, so I don’t feel like I was going crazy with spending.
How was everyone else’s spending this week?