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 about 20 minutes before my alarm and was wide awake. So I just got up and started work a little early. Unfortunately, there was a very low number of emails. Like, nervousness-inducingly low.
Let’s pray it was a blip.
I was full of nervous energy for some reason, so I worked out at noon instead of 1 p.m. Then I sat around eating crackers and cheese, plus rainbow sherbet for dessert. Because why not?
Mom took a midday nap. They seem to really help her. I had therapy at 3:30 p.m. We discussed ways I can get interaction once Mom leaves, since she obviously can’t stay forever. We settled on FaceTimeing Mom instead of just calling her, FaceTimeing with friends, the weekly Zoom chats/game nights with my trivia group and maybe some socially distant hanging out with a friend. As in, six feet away and probably with a mask but at least in person. Oh and if I start spiraling, he told me to go for a drive just to change my environment.
I felt a little better about the prospect of being alone after that session. That is, I’m not struggling to hold back tears at the thought anymore. So that’s a start.
For some reason, insurance isn’t charging a copay on tele-sessions, so I took the $25 I normally would’ve paid and put it in the saved savings account.
At 5:30 p.m. we went over to the guest house because the fridge was having issues staying shut/shutting all of the way. We took the heavy stuff out of the door and tightened the nuts on the hinges. It seems to have helped for now, so hopefully that fridge will last a while yet.
Mom and I then watched Justified and worked on the puzzle my coworker so kindly (or perhaps evilly) sent us. It’s so very very full of browns and tans that it’s driving me crazy. This puzzle may be the tipping point for my losing it during this pandemic.
I called it a night at 9:30 and was asleep around 10 p.m.
Total spent: $25
I actually slept until my alarm for the first time all week. It was nice.
I was greeted once again with a very low number of overnight emails at work. Very nerve-wracking. But my boss seems pretty unperturbed, so I’m trying not to worry too much.
I took a walk with Mom in the park, then came back and answered the emails that came in. After that, I messaged pretty extensively with a friend for most of the morning — in between answering emails as they came in, of course.
A Twitter friend was raising funds for a dog groomer who had helped her out when her own times were tough. (She’s on very limited funds, and her dog had needed a special diet short-term. The woman had given her enough for a couple of week’s worth of the diet, maybe more.) So she was trying to help the groomer now. I donated $25 to that.
I worked out in the afternoon, then after work Mom and I watched some Justified until it was time for me to take a shower so that I was presentable for my Zoom chat with my trivia group.
The group chatted for about four hours before I signed off at 10:30 p.m. They were getting pretty doom and gloom about the future — even by my standards — and it was ramping up my anxiety. So I said goodnight, intending on going to bed. But then Mom pulled out the puzzle. And somehow it was suddenly midnight and I had to crawl into bed.
Total spent: $25
Despite the late night, I woke up at 6:30 a.m. and couldn’t get back to sleep. Ugh. So I got up and started my overtime weekend a little early.
It was pretty quiet, so I worked on the blog after catching up on emails. I made an image for Monday’s post and got it scheduled, then scheduled the social media posts for it. I might just be getting organized! Riiiight.
My paycheck came, so I deposited it virtually. It won’t clear until Monday or Tuesday, which is annoying, but oh well. I means my finances should be settled on Wednesday.
Around 1 p.m. I went out and got Mom and I some Chino Bandido ($18.68). I used the gift card I’d gotten with some of my stimulus money, so no money came out of weekly spending.
After tipping $2 for takeout, I was out of walking around money. Rather than having me go to the bank and touch an ATM, Mom offered to just give me $20 from her walking around money, and I could PayPal her the amount. So we did that.
Mom and I watched Justified while I kept an eye on emails. Suddenly it was 7 p.m. and I was done for the night. About half an hour later, I decided I wanted pizza and cinnamon sticks. (When I don’t get enough sleep, my impulse control goes way down and carb cravings go way up.) So I ordered that.
I ordered an extra large so there’d at least be leftovers. It’s a pricey place, so the total was $36.21 after tip. Ouch. Still, it was delicious, and still works out to less than $5/meal.
I was pretty tired, so I called it a night at 9:30 and was asleep by 10 p.m.
Total spent: $76.89 ($56.21 out of weekly funds)
I was awake at 7 a.m., but at least I felt pretty rested.
I’d been using a folded bandana plus rubber bands as a mask, but it itches horribly. And since this virus isn’t going anywhere any time soon, I decided to get a proper mask. Military Dollar has been making and donating ones recently, and she decided to sell some to help recoup some of the cost of materials.
She was charging a ridiculously low $4 plus shipping for a basic mask with a Velcro closure. So I found two prints I really liked and PayPaled her $20. I figure the extra money is going to help others and $4 is way too low for her time and effort.
If anyone else wants to get a super affordable mask (which includes pleated or non-pleated and a variety of closures), you can contact her on Twitter (@Military_Dollar) or via email (militarydollar at militarydollar dot com).
The day passed relatively uneventfully. My lungs were acting up again. I’ve never had pollen/dirt cause any problems before, but this year it’s been an issue. That or I’m still kicking the bronchitis-or-something I had two months ago, which seems unlikely. Whatever the cause, I didn’t feel comfortable working out because I already felt a tad breathless without any exertion.
Mom and I watched Justified while I kept an ear out for new emails coming in, pausing the show as necessary. But it was pretty quiet overall. I was in bed by 9:30 p.m., asleep by 10.
Total spent: $20
I woke up ahead of my alarm, which I hate. The room was stuffy — I’d forgotten and closed the door all night — so I’d slept fitfully and was tired, but also wide awake. Not a great start to my day overall.
I answered emails, then worked on the blog for a while. I couldn’t take another rest day (I try to work out a minimum of four days a week), so I just skipped the ankle weights that time. I made it through the workout pretty well, considering.
After work, I watched Batwoman for a while. I can’t quite decide about this show. I want to like it perhaps more than I actually do. But it’s something to watch when Mom is doing her own work.
I did some work on the puzzle by myself and actually made a little progress. Mom joined in when she was done working on her own stuff. We watched a few episodes of Justified and made a bit more progress. We will finish this puzzle, dammit!
I called it a night at 9 p.m. and was asleep around 9:30 p.m.
Total spent: $0
I woke up at 6:10 a.m. for no apparent reason. I think it may be the sun, so I really need to get a blackout curtain for my room’s small window.
I caught up on emails relatively quickly, then worked on the blog for a while. I chatted briefly with a couple of friends, and my cousin and I agreed that we’d FaceTime when Mom goes home. We always mean to stay in touch but are terrible at it. Besides, much as I’m not a fan of FaceTime, visual interaction will help me feel less isolated, so I’m trying to set up some people to chat with.
My paycheck cleared the bank, so I wrote out my paycheck to myself. (I’m my own employee). That should clear on Wednesday, and I can settle all my money stuff then. Hooray!
I worked on some logic puzzles for about an hour (in between answering emails). I’m trying to exercise my brain, since I rot it with a ton of TV.
Speaking of exercising the brain, I found out there was going to be a virtual meet of a book club. The book was available at the online library, so I checked it out and signed up for the event. I’m trying to do as many virtual MeetUp events as I can (not that there are a lot) to better simulate in-person interaction.
I worked out, but a little more lightly than usual. I’ve been struggling a lot trying to wear the 5-lb ankle weights for the video where I also use 5-lb dumbbells. So I switched to my 2.5-lb ankle weights and, while still challenging, that was far more feasible. I’m going to have to work back up to the heavier weights, I guess.
Anyway, I finished that dripping sweat (ick) but proud of myself for not ducking the workout. The rest of the day was pretty quiet. I ate after work, then sat down with the puzzle by myself for a couple of hours. Mom came over and worked on it too for about 45 minutes. But after that, she had to do some work for a while.
So it was late when we started watching the remaining episodes of Justified. I didn’t realize how late until after we watched the finale. It was 10:30 p.m. Eek! I normally start getting ready for bed at 9 or 9:30! I jumped in the shower, brushed my teeth and such and finally got into bed at 11.
Total spent: $0
The cat woke me up crying on several occasions starting around 5 a.m. Eventually, I patted the bed and she jumped on it, then climbed on me. At least then we finally both got back to sleep — until my alarm about half an hour later.
I gave to my friend’s GoFundMe. He is my old personal trainer — the only guy I trust not to overwork me because he studied to work with special populations (as we’re apparently called). He opened a gym a few years back, renting space to other trainers. Unfortunately, he of course had to close the gym for the last three months (he’s in Seattle, so the lockdown started earlier) and isn’t able to pay his rent. Due to his business setup, he doesn’t qualify for loans or grants. So I donated $100.
Even though I hadn’t had enough sleep, I wasn’t sleepy. Which sounds like a good thing, but it meant I couldn’t nap. And I try not to work out unless I’ve had my full eight hours of sleep. (Yay chronic fatigue.) So that was out.
So I passed the day answering emails and playing on social media. After work, we ran out to the grocery store. I had to pick up a prescription ($30.41) at Albertson’s and we got a few things there ($7.46). Then we hit the Dollar Tree where Mom got a few items that she paid for.
Finally, we hit Fry’s ($44.80). We got an abundance of fruit: four cartons of strawberries (all me — I have a problem, I think), two mini watermelons and a bag of mandarin oranges. And hey, that sorta balances out the sherbet (me), ice cream (Mom) and Whoppers (me again) that we got. Right? Right?
I ate when we got home, then worked on the puzzle with Mom for a few hours. We’re getting awfully close to finishing, but it’s been maddening. I think I’ll give puzzles one more shot — but I think a 250- or 500-piece puzzle would be more advisable next time.
Around 8 p.m. a friend I’d sort of fallen out of touch with texted to see how I was doing. So I chatted with him a bit in and around puzzle work. He’d apparently been out of work, so he decided to learn to code. I still don’t get people doing this kind of thing when a lot of us are just trying to survive mentally/emotionally intact, but good for him for learning a skill, I guess.
I was in bed by 9:30 and asleep shortly thereafter.
Total spent: $182.67 ($82.67 out of weekly funds)
Total spent: $329.56 ($208.88 out of weekly funds)
Overall, not a bad week, especially considering that around 1/4 of my weekly funds outlay went to saved savings and giving.
How did everyone else’s week go?