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 $250* 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 to very few emails, so I was able to get everything squared away before I had to leave for my doctor appointment at 9 a.m. My friend Leila messaged to say her volunteer shift at the vaccine distribution center was going okay.
Because my doctor moved, my insurance company kicked him off the plan and said he had to get re-credentialed at the new address. He’s willing to prescribe me Adderall for the off-label use of helping with fatigue, which very few doctors will do. So I have to stay with him, which means I’m paying out of pocket. I’ll register a request for an exception with my insurance company, but I’m not optimstic.
The doc is only charging me what Medicare would’ve paid him ($65), so that’s a small mercy, I guess.
I came home and re-upped my Mint cell service for another year for $201.37 after taxes and fees.
Aaron videocalled around noon to say hi. Unfortunately, he’d been roped into a 5:30 p.m. to 6:30 p.m. meeting, so coming over didn’t seem very feasible, since it would mean such a late start.
He said he would be available the next day. I warned him he’d have to meet a couple of my friends who were coming over. But he wanted to thank Brandon for helping him secure a vaccine volunteer shift anyway.
Around 4:30 p.m. I started feeling very tired for some reason, so I lay down in the bedroom and watched TV. Later in the evening, I also worked on transferring some Redbubble designs; but my computer is terrible and was acting up. So the process was extremely slow. Still I got two more designs up. Barely.
I called it a night around 10 p.m. and was asleep by 11 p.m.
Total spent: $266.37 ($65 out of weekly funds)
I woke up feeling not too groggy.
Work was light, so I got through that relatively quickly. Then I polished and scheduled the next day’s spending diary post.
The mail came, and it had my paycheck. So I deposited that with my phone. Ah, innovation!
Josie’s Banfield plan monthly charge hit the card for $33.95.
I went to the pharmacy and picked up a medication ($0 copay). I tried to drop off a prescription, but they couldn’t have filled it until the following Tuesday. I had too few pills left for that, so I drove to a different CVS where they could have it filled the same day. I told them I’d pick it up the following day.
Then I ran to the grocery store and got some fruit, a little cheese and some crackers to feed Leila and Brandon (and maybe Aaron) who were coming over. That was $8.68.
I came home and chilled out — work was pretty slow — and then cleaned the litterbox so the kittens wouldn’t be deterred by the smell of another cat’s leavings.
I decided to pad my stomach before drinking, so I got takeout with a gift card ($9.83 to Saved Savings). I ate, got ready and had just finished prepping the snacks when Aaron and the kittens showed up.
Josie was… not happy. See the video in this tweet and you’ll get an idea of her night.
We scolded her when she hissed and just generally tried to keep the boys away, which was difficult because Nimbus was friendly. She let Aaron pet her while she hunkered in her box on the cat tree. But about half of the time I’d come over to try to soothe her, she’d actually move away from my hand. Like “No! YOU DID THIS!” Sigh.
Leila and Brandon came over right as the boys were getting the lay of the land. And everyone spent a lot of time looking in at them playing with toys and just generally wandering around being cute.
It was nice to just sit and chat, but eventually around 11:30 p.m. we called it a night.
Aaron and I fell asleep around 12:30 a.m.
Total spent: $52.46
Josie woke me up a few times in the night because she’d get to the bedroom, see the boys camped out on the bed and hiss. I’d sit up and scold her, and she’d scamper back down the hall.
Around 8 a.m., I got up and fed her, but I moved her food over to the cat tree and gave her a different water bowl since the boys had helped themselves to hers and I wasn’t sure how she felt about kitten spit.
I lay back down for a bit, then we got up because we were hungry. I ordered for pickup at Cracker Barrel ($28.03); but as we were getting ready to leave, Aaron noticed Stratus standing in a weird position on the couch and realized the lil guy was starting to pee. (I guess he didn’t see the litter box like his brother.) Thankfully, he was standing on some items, so we caught the pee before it hit the cushions.
Stratus peed a bit in front of the couch, so I threw a towel over it and said we’d deal with it when we got back.
We got the food, ate, I caught up on emails again, then Aaron noticed a pee smell. Stratus had peed in the hallway. Aaron grabbed my WetJet and took care of it.
Then we lay back down for a little bit because Aaron was sleepy and wanted to nap before he had to go. He set an alarm but ended up turning it back off and dozing a bit more. Then we just lay around for a bit. He finally took off at around 1:45 p.m.
Once he was gone, I moved the litterbox back to its normal spot by the cat tree. I’d had to move it away because Josie would hiss when Nimbus got close. Then I swept up the litter Nimbus had kicked out and a bunch of kitten kibble they’d scattered all over the floor.
When Aaron was using the WetJet, we’d forgotten about the first puddle Stratus left. So I took care of that, moved the food back and cleaned the water bowl so there was no kitten spit in it.=
I answered some emails and, since the WetJet was already out, mopped my very dingy but thankfully very small kitchen area. Then later realized I hadn’t changed the rag (Mom gave me microfiber rags so I didn’t have to buy disposable pads), so I’d mopped with the rag I’d used for kitten pee. Sigh.
I redid my mopping and then started a load of laundry to get rid of the pee-reeking towel. ($3.50 to the Washer/Dryer fund)
I then wrote out the paycheck I give myself as an employee of my company, used mobile deposit and then settled in to figure out the next month’s finances. Josie quickly came over to snuggle, so I guess she didn’t hold a grudge.
I dealt with emails as they came in, and FaceTimed with Mom for a while. After we hung up, I watched TV for a bit; but Aaron called around 7:30 p.m. We chatted for about an hour before he was starting to drowse. I told him goodnight and then went back to TV.
I realized I had a bunch of strawberries in the fridge that were getting overly ripe. As in, a few cartons of berries in various stages of ripeness. I separated them out into “must eat ASAP” and “should eat soon.” But the former category had a lot of berries.
And so I overate on strawberries — delicious, but my stomach was uncomfortably distended for the rest of the night.
I put what I couldn’t eat but had cut up into some Tupperware and hoped it would still be okay the following day.
I watched TV until about 11:30 p.m. and was asleep around midnight.
Total spent: $31.53
I got up at 8 a.m. with a slight headache. I suspected another round of slight dehydration, so I didn’t take anything for the headache — so that I’d have a reminder to drink water.
I answered emails and then wrote up Monday’s post. I had mostly finished it when I felt pretty tired, so I lay down and dozed for a bit. I woke up feeling better, but I was sick of the headache. So I took some ibuprofen, finished and scheduled the post, and then just chilled out.
I ate more strawberries hoping that would help with the craving for sweets I was having. But unfortunately, that didn’t work. I really wanted some Cadbury mini-eggs. And spicy cheese with crackers.
I went to CVS to pick up a prescription that turned out not to be ready (even though it showed as filled). I had decided that I could get a single serving bag of the eggs as a compromise. But then I lost interest when I saw how few were in package — and were still 200 calories. So… some self-restraint? Yay!
But I did stop at Fry’s and get cheese and crackers (baby steps, folks) and more strawberries (because I may be even more addicted to those than cheese and chocolate). I paid $11.18.
The prescription was ready at CVS, but it was out of my way. So I just set up delivery — an option when you have the CVS CarePass — and paid the $37 copay online.
I left a voicemail for my old personal trainer, since he hadn’t answered my Facebook message. I had decided to use the last of the second stimulus to buy 10 sessions. He’s a small business, and I need to get active. So everyone wins.
I came home and ate my cheese and crackers, watching TV in between the occasional email. At 5 p.m. Aaron messaged asking if I could come over that night. Since I’ve been frustrated that we’ve only been seeing each other once a week, this was a lovely thing to hear.
I started getting ready, answered the last couple emails that came in and left. I got to his place a little after 7 p.m. We chilled out and talked and watched the kittens play. His legs were very sore because he’d worked out and done a relatively challenging hike. So I worked on the knots.
We went to bed around 10:30 p.m. and I fell asleep by 11 p.m.
Total spent: $48.18
I woke up at 7 a.m., but couldn’t get going until 8 a.m. So I got started at work a bit late, but I quickly caught up and dealt with a few other things.
The trainer messaged me back on Facebook saying yes, we could absolutely do that. He asked about my preferred times/days and what equipment I had available at home so he could plan workouts. So at least that was finally underway. Even if it was gonna suuuuuuuck.
I didn’t have too much to do during the day. Josie was trying to snuggle most of the day — I think she missed me the previous night. So I tried to give her plenty of attention.
I messaged with a friend when emails were slow. Aaron called around 1:30 p.m. and we chatted a little. I’d found another trail to hike that would be a little more of a challenge than the first one. He said he liked it, and then I warned him I might need to rest partway through. I honestly wouldn’t know until we were doing it.
The rest of the day was relatively uneventful. After work, I ran to Dollar Tree to get a few things ($3.17) like new reading glasses and a box for some plastic litter I was going to have to make Josie use. I ducked into Fry’s and spent $3.09 on more cheese.
Then I came home, watched TV and chilled out.
At 6:30 I started cobbling together my year-end numbers for tax purposes. I had to go through and add up what I’d paid for utilities, find where I’d created a table for the depreciation on the various guest house stuff, etc.
I was able to fill in all of my taxes except for my home insurance premium, which is partially deductible since I rent out my guest house. I checked my insurance account history, but I’d cancelled the policy and it was no longer visible. And I no longer have online access to mortgage information (long story). So I’d have to call in the morning.
Incidentally, if your taxes are remotely complicated, I don’t recommend Jackson Hewitt. It kept trying to tax my state refund from last year (not taxable if you didn’t itemize, but it didn’t ask me that) and I had to search for “depreciation” in the Help section to find the form. I had to do that for each of the five items I needed to depreciate. Sigh. But it was only going to be $40 for both state and federal returns, so I just grumbled and dealt with it.
As I was getting ready for bed, I checked my email and discovered an email saying my medication had been delivered — except it hadn’t. And the “delivered” zip code being noted was the CVS store’s, not mine. I’d have to call in the morning about that too. Argh.
I fell asleep around 11 p.m.
Total spent: $7.26
I got a slightly late start and there were more emails than usual. So I didn’t get caught up until nearly noon.
I got my insurance premium information from the bank, then I called CVS. The guy I talked to said it sounded like a scan error and the package might still arrived on Wednesday as initially predicted. So I said I’d wait until Thursday to call again.
I tried to finish my taxes, but the site didn’t recognize my password, and the access codes it said it was sending weren’t reaching me. I called, but there was a long wait. I opted for a callback.
Hours later, I called again to see if I’d just been missed. But nope, it was just a long, long wait. Meaning it would likely come about when my training session was starting that day. (And sure enough, the phone rang right as we were getting the Zoom call set up.) So I called a third time and set up a second callback.
The trainer kept the session light to sort of see where I was at. But at least it was a start. Afterward, I used the foam roller and stretched a lot.
Then I went and got that plastic litter so I can get a urine sample from Josie (whee), then went to Dollar Tree to get a small tray, since they don’t give you much litter. I paid $1.09 for that, then went next door to Fry’s and got $9.99 in groceries.
Around 6 p.m. Jackson Hewitt finally called back. I’d been on the wrong section of the site. D’oh!
But when I finished, the numbers didn’t add up. My taxes owed plus tax refund were more than I’d paid. So I gave up and went to TaxAct to compare. TaxAct made me discover that Jackson Hewitt hadn’t given me my $3,300 Qualified Business Income deduction. Fuuuuun. So I was due $600 more than I thought.
So yeah, I do not recommend Jackson Hewitt unless your return is incredibly straightforward.
Instead, I winced and paid TaxAct’s $135.64 for the premium package for state and federal. Ouch. But worth it for an extra $600.
I was tired, so I called it a night after e-filing and printing out a copy for my records. But I didn’t fall asleep until almost 11 p.m.
Total spent: $146.72 ($11.08 out of weekly funds)
I slept well, but it wasn’t a super productive day. Work was pretty light, and I didn’t feel like following up on some overdue cases yet.
My legs and glutes were somewhere between stiff and sore, but nothing too bad. I stretched more and used the foam roller.
I decided that after work, I’d get myself to go sign up for a gym my insurance plan gives me access to. It’s the easy part, but still a big step. I then realized that, since I’ve been working out at home for years, all of my workout clothes have paint stains and some have small holes.
Leila suggested I check out Amazon, so I found some affordable tops and put them in a list. Then work was over, so I went and signed up at the gym. On the way home, I picked up some takeout using a gift card ($9.83 into Saved Savings).
I came home, ate and watched TV. And cursed because the medication hadn’t come in the mail.
Aaron videocalled, so we chatted for a bit. We agreed that if I wasn’t too sore/tired after my training session the next day, I’d come visit.
I called it a night around 9:30 p.m. but didn’t fall asleep until at least 11 p.m.
Total spent: $9.83
Total spent: $562.35 ($225.34 out of weekly funds)
Ouch, not a great spending week, even ignoring the one-off purchases of taxes and cell service. Sigh. Well, I guess I’ll just hope things settle down a bit in the near future. (Hint: It won’t be true of next week’s spending diary post. Double sigh.)
How did everyone’s weekly spending go?