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 extremely tired. It had taken me a while to fall asleep, and then in the middle of the night my Restless Leg Syndrome acted up. I’d had to get up and use the foam roller to quiet it down. (Yes, I’m going to try the soap hack because at this point I’m desperate but really don’t want more meds if I can help it.)
So as soon as I got through the morning emails, I lay back down for a while. I woke up a little groggy but then felt much better.
I caught back up on emails. Then I changed the sheets on the bed, started a laundry, scooped the litter box, took out the trash and started the dishwasher. I was feeling very efficient. Since I did a load of laundry, $3.50 went into the Washer/Dryer fund.
I checked COVID numbers. The number of results is staying low, but that seems to actually be from fewer tests being administered than from a backlog. So the lower case numbers may be indicative of our starting to get this thing under control.
Anyway, 1400ish new cases, which is low compared to even last week. Unfortunately, 70 new deaths were reported. That number will probably trend at or above that level for a while, as people who’ve been battling COVID for weeks finally succumb. But I was trying to take heart from the lower case numbers.
Then I settled down and then FaceTimed with Mom for a while.
When I got off that call, I realized I was feeling a little emotionally weary. Most days I’m okay — bored, but okay — but every so often I hit a wall at the thought of living this way for another year or so. Thursday was one of those days.
I just got through the day as best I could, and at 3:30 p.m. I had a therapy telesession. We talked about my glumness a bit, how life was going overall — including with the 41 year old — and things like that. I felt a bit better afterward.
My insurance is waiving the copay for all telesessions, so I put the normal $25 copay into Saved Savings.
After that, I watched TV and just generally killed time before bed. I was in bed by 9:45 p.m., but my brain wouldn’t switch off. I finally fell asleep some time after midnight. Ugh.
Total spent: $28.50
I got up, exhausted from too little sleep. Not only did I fall asleep so late, I was woken up in the middle of the night by Restless Leg Syndrome. (Spoiler: It’s been about 2 weeks since this particular day and I still haven’t tried the soap thing. But I’m going to tonight. Because ugh.)
I caught up on emails and got a text from the other gal at work. I was supposed to work Saturday and Sunday for my monthly overtime, but she asked if we could switch weekends so that I worked the following one instead. I’d actually been annoyed it was my OT weekend because I’d planned on spending a good chunk of Saturday with my friend Kevin, since his birthday was Friday (but he had family stuff that day). So this worked out well, and I agreed to switch.
Then I crawled back into bed.
I got up feeling a little better but not great. I yet again went and got takeout ($9.34 plus $1 from my walking around money). The meal was paid for with a gift card, so the $9.34 went into Saved Savings.
After work, I went and had a $40 beauty service done. It’s probably not the smartest idea given the pandemic. But cases seem to be on the wane. Plus it makes me feel better, is relatively quick, we both wear masks and she cleans in between each client. So I rationalize it.
I came home utterly exhausted, so I just lay in bed watching TV until it was time for my trivia group’s Zoom call. There was once again just four of us — trying to get everyone at once never quite works — but it was still nice to connect.
They were talking about potentially meeting in person, indoors. People are being pretty careful, so the idea would be that as long as it’d been four days since we last visited someone in person (trips to the store not counting) and we feel fine, they’d feel comfortable meeting. (I assume the four-day thing is because the average for COVID symptoms starting is five days.) I’m not sure I’m quite there yet comfort-wise, but it’s certainly tempting.
We ended the call around 11 p.m., at which point I was completely out of it with fatigue, and I was asleep around midnight.
Total spent: $50.34 ($49.34 out of weekly funds)
I woke up at 8:30 a.m. I was still a little tired due to not enough sleep on Thursday night, but I couldn’t get back to sleep. So I got up, was on Twitter for a bit and checked COVID numbers.
Only about 1,050 new cases that day (out of 13,000ish results) and deaths were relatively low at 56. So it was a relatively good day, and it was heartening that cases were staying down somewhat.
Then started working on Monday’s blog post.
I went in without knowing exactly what my topic was — I just have one part of a subject I wanted to address — but luckily, it came together really well. Still I spent the better part of three hours writing, editing, writing some more, editing again, etc.
In the middle of all that, my friend Kevin — who I was going to hang out with that day — asked if we could reschedule. He had an, um, offer for companionship from a gal he knew. I told him absolutely, go get ’em tiger, since I was still free… Pretty much whenever.
The prescription I’d taken a few days prior hadn’t quite done the trick, so I’d ordered a refill that was available at 2 p.m.
Unfortunately, by then I was super hungry and nothing in the house sounded good. Even I couldn’t eat more of my usual takeout meal, Thai food sounded blah and was kind of far away, pizza was vaguely tempting but too pricey if I had only lukewarm feelings about it. Also, it takes 45 minutes to an hour to be delivered once I order it, and I was already very hungry.
I thought about going to the grocery store — I wanted to get more cherries anyway, since I was going through the ones I got faster than expected — but I was worried I’d come out with half the store. On the other hand, at least it’d be cheaper than pizza and I’d have fewer leftovers — so a slightly better chance I’d get back on my diet in the near future. (Very slight.) So I decided to go that route.
I went and picked up the prescription ($2.55) and then hit the grocery store ($23.62). Then I came home and just watched TV/snacked. I called it a night around 10 p.m. and was asleep around 11 p.m.
Total spent: $26.17
I managed to sleep until almost 10:30 a.m. Then I got up and did some work on the blog.
While weekend numbers tend to be lower, I was very excited to see the new COVID cases on Sunday be only about 800. It was the first time it was under 1,000 in weeks! And only 13 deaths.
I had lunch and watched a little TV before heading over to Kevin’s around 1 p.m. We chatted for a few hours and took a dip in the pool for a while. It was good to see him in person again. It’d been a couple of months by that point.
I got home around 6 p.m., watched some more TV and called it a night around 9:30 p.m. I was asleep around 10:30 p.m.
Total spent: $0
I woke up to an actually decent amount of emails. Hooray!
New COVID cases were down even further — though some of that may be due to weekend lag (fewer than 7,000 results reported) — at 600ish. That’s the lowest I’d seen in months. And only four deaths. I was desperately hoping this trend continued, though I expected deaths to be up for a while.
I played on Twitter for a bit, then went online to pay a couple of copays I’d received bills for ($30 and $10). I was down to about $11 in the primary account, but Monday was the 11th day in my financial “week” — so I was doing pretty well overall.
The rest of the day was spent finishing work, playing on social media and watching TV. Well “play” on social media is a bit of a misnomer. At one point I masochistically got into a discussion/argument with a guy about the oversexualization of women in society.
It’s exhausting how often women have to explain to men that just because that particular guy doesn’t oversexualize women (and actually almost everyone does in at least one small aspect) doesn’t mean it’s not a widespread issue experienced by the majority of females. Also that you can’t say “there’s such a thing as dressing provocatively” as though that were an objective standard. Because in Victorian times a woman showing ankle was considered slutty or at least racy. Our bodies are fetishized by society no matter what we do.
I wasn’t sure whether to laugh or cry when he said that, sure, oversexualization of women may happen but that happens to everyone — look at ancient Greece’s adulation of naked men. As though ancient Greek men were routinely punished, told they’d get themselves/had gotten themselves raped, or just were sent home because what they wore was “inappropriate” or “distracting.”
Men really don’t get it sometimes. Sigh.
In the end, amazingly, he mostly conceded my point and just admitted that it didn’t make sense to him because he was raised to respect women. So that was a nice surprise.
I watched some more TV and called it a night at 9 p.m. I was asleep around 10 p.m.
Total spent: $40
I woke up to another decent number of emails. Hooray! Still, I got through them relatively quickly and settled down to work on the blog some.
New COVID cases were back to 1,200 — but Tuesday numbers are often higher than the rest of the week. And that’s still significantly lower than what it had been for months. So this was pretty good news. Unfortunately, another 45 deaths.
The day passed pretty quickly. I got into a Twitter “discussion” with one dude — yeah, I know, I need to lay off these because inevitably they say something that makes my soul hurt and brain explode.
This time it was that people could just move somewhere cheaper if money is an issue. (Sure, somehow save up the money for a move, potentially move away from family who might offer support/childcare, potentially away from good healthcare options if you have chronic issues — or even to a cheaper part of town because clearly everyone just scraping by can come up with first month’s rent plus deposit in time to secure a different apartment before their own apartment rent is due.) Which ended up in him saying that people could do something like rent a storage locker and live in that, showering at truck stops, and save up money that way.
So that happened.
I called it a night around 9:30 p.m. and was asleep around 10:30 p.m. I’ve got to start falling asleep more quickly.
Total spent: $0
I woke up not feeling too groggy for a change. That was nice.
I got through emails and then did some work on the blog. Some of the previous night’s argument had sparked ideas a post or two, so at least I have some fodder.
New COVID cases continued to be low — just 706 that day. Unfortunately, a terrifying 148 deaths, but presumably some of that was likely a reporting lag from the weekend. I certainly hoped so anyway.
As regular readers know, I’ve been having a terrible time getting back on my diet. I just can’t seem to make myself care enough to eat the stuff I know I can lose weight with. So the current compromise is just delaying eating lunch until it’s more or less an early dinner, keeping calories lower. Not the healthiest thing in the world, but it has to be better than overeating.
Unfortunately, by the time work was over my stomach had stopped sending hunger signals, and I was completely apathetic about food. I know intermittent fasting is all the rage, but I don’t personally think it’s healthy to go extremely long periods of time without eating. Especially when it would mean a total calorie intake of just 400 in a given day.
So after a few hours of dawdling on social media and watching TV to see if anything would start to sound good, I gave up and ate some cherries and then after that some corn chips and generic Fig Newtons. Not “healthy” by any stretch. But better than having a 400-calorie day.
I had seen a coupon in the mail that my tenant got about $20 off a bottom-loading water dispenser. (She has water delivered, as what comes out of the tap in Phoenix is terrible.) She has some health issues that make her joints problematic, so I had texted her to say that if she wanted to get one, I’d buy it for the guest house. She did, so that night I gave her a check for $160.23. (After making a copy for tax purposes, of course.)
I called it a night at 9:30 p.m. but I didn’t fall asleep until probably 11 p.m. Ugh.
Total spent: $160.23 ($0 out of weekly funds)
Total spent: $305.24 ($144.01 out of weekly funds)
Well, while overall spending was pretty high, actual weekly-fund spending was very low. I guess one thing about a pandemic is that you don’t have many places to spend money as a single person. (I imagine people with kids are probably investing a lot in toys, books and apps right about now.)
How did everyone else’s week go?