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 got up very tired. I hadn’t gotten quite enough sleep before. But at least by sleeping on my side, the crick in my neck wasn’t as bad as it had been the previous two mornings. Small mercies.
I got up and got through emails and my other duties and then lay down for a bit. I only dozed, really, but I woke up feeling significantly better. Yay!
But I wasn’t really hungry, even though I knew I should eat. Whee, emotional-stress induced mania.
Aaron messaged around 1 p.m. asking if I could come over that night. We hadn’t been able to hang out the day before thanks to a last-minute work issue on his end. I said sure, I’d drive over.
I ran out to pick up a prescription ($1.83) and got some lotion and cinnamon bears with my CarePass Extrabux ($3.75 plus $6 in saved savings). I had a small snack. Then I got home, got ready in between answering emails, and took off for Aaron’s around 3:15 p.m.
I had to stop for gas ($33.18). I got there around 4, and we chilled out for a while. Around 6, I ordered some delivery for $40.35. Lord those delivery app fees add up.
We called it a night around 11 p.m.
Total spent: $85.11
I left Aaron’s around 7 a.m.
I got home, caught up on work — which took a few hours — then lay back down.
I stopped at Fry’s for a few items ($13.36) — and almost walked out without the stamps I needed ($11) –and got some candy at the Dollar Tree ($3). Then I stopped at CVS to pick up some things I’d forgotten the day before ($17.81).
I ate a bit, finished the workday and then got ready for my session with my trainer.
After the training session, I just munched and watched TV. Around 9:30 I realized I’d forgotten to edit and schedule the next day’s spending diary. It took a while, and of course my Internet went out right as I was ready to save and schedule it. I briefly made my phone into a hotspot and got it all set.
I went to bed around 11 p.m. but it took me an hour or so to finally fall asleep.
Total spent: $45.17
I woke up around 8 a.m. and stumbled out to feed Josie and grab a protein bar. Then I headed back to bed and didn’t get back up until about 10:15.
But I felt great when I did finally wake up. I set the Roomba to run in the bedroom since the floor in there needed some serious attention. Then I started a laundry ($3.50 to the Washer/Dryer fund), swept up a bit around all the spilled kibble (Josie likes to tip her bowl on its side and eat that way), mopped up some spots where Josie had apparently puked on an empty stomach at points unknown and mopped my very small kitchen floor which was grungy. I put some dishes in the dishwasher and took out some very old food from my fridge, throwing in the dumpster out back. Yick.
I messaged Mom to see if she wanted to chat, but she was on her way out the door to run errands. So we agreed I’d call the next day.
So instead I just chilled out, watching TV and resting for going out later.
At 2:30 p.m. I started getting ready for a 4 p.m. MeetUp board game singles event. I had fun at the event and learned some new games. Which I’ll absolutely forget by the next event.
I had two drinks and a large pretzel while I was there, so I paid $34.50 after the tip.
Most folks left around 9 p.m., but four of us, including the host, sat around talking about a variety of things. I really enjoyed talking to the gal who stuck around. She was interesting to talk to — and she agreed wholeheartedly with my being nervous around unvaccinated people. And since I’m now on the hunt for more friends, I asked if she wanted to trade numbers. Which happily she did.
When I got in the car, I was startled to find it was midnight. But I guess that’s a good sign.
I got home around 12:30 a.m. and passed out at 1.
Total spent: $38
I woke up around 10 a.m. and messaged Mom to let me know when she was up for FaceTime.
I was most of the way through the next day’s monthly spending report post when she messaged she was ready. We chatted for quite a while, so I put away the laundry from the day before.
After the call, I finished up the post and scheduled it. Then the rest of the day I basically just chilled out and watched TV. The gal from the night before and I texted off and on during the day, so that’s promising.
I didn’t want the food that was here, but I also didn’t feel like leaving the house. So I just made do with the food available to me.
Around 8:30 p.m. Aaron messaged that he’d tried to call me. I hadn’t gotten anything on my phone. So I called him and we chatted for about half an hour. Then I got ready for bed.
I was asleep around 10 p.m.
Total spent: $0
I got up and go through emails and my secondary duties within the first 90 minutes of my workday.
I checked my email and found out I’d forgotten to pay one of my credit cards. D’oh! I fixed that, but I still had a late fee.
I had also been meaning to call and cancel my Citi American Airlines card, as I’d accidentally let the annual fee hit and didn’t want to pay it again. So I took both cards and called customer support.
The Citi customer rep said he wasn’t able to waive the fee, so I said that I understood but I was going to need to cancel. He got someone on the line who offered to downgrade the card to one without an annual fee (just fewer benefits). I said that sounded good — no need for my credit score to take a hit, after all — and was delighted to find out this meant they would remove the annual fee charge.
After that, I called the card company where I’d missed the payment. They waived the late fee and interest. As many of you probably know, most card companies/banks will remove fees at least once or twice. And some will do it up to once a year. So it’s always good to ask.
I messaged Aaron to see how his day was going. He said his last meeting was at 4:30 p.m. and then we could hang out. I told him my lower back was bothering me, so bowling was probably out.
The rest of the workday passed pretty quietly. I had my personal training video session with Elston — we concentrated on upper body — then hopped in the shower to get ready for when Aaron got there.
We ordered food, but he paid this time. Other than that, we just chilled out and were asleep around 10:30 p.m.
Total spent: $0
Aaron woke me up at 6:30 because he was getting ready to leave so he could make any early meeting.
My back was worse, so I worked from bed and used the heating pad. Which is super fun in a 78-degree house, by the way.
Around 12:30 p.m. I ran out for some “Poor me, I hurt” snacks. Though the good news was that the heating pad had helped enough that I could do a grocery run. I spent $10.84.
I came home, munched and finished the day. Then I watched TV. I chatted a little, but otherwise did… nothing. Well, other than stretch and work on my back, which was starting to feel a bit better.
I started getting ready for bed around 9 p.m. but didn’t fall asleep until after 10:30.
Total spent: $10.84
I woke up to quite a few emails. More than double the usual amount. As I dealt with those, more came in, plus I had a bunch of stuff come in for my secondary job duties. So I was basically busy straight through until 1 p.m. Oof.
The $32 dental coverage add-on hit my card that day.
My lower back was feeling better, thankfully. A little stiff but not painful. That meant the masseuse could still focus on my upper back, neck and shoulders, which were pretty bad. The tightness in my neck was causing a slight headache.
I also called in my mortgage payment for the month. Since taking Tim’s name off the loan, I can no longer make online payments for some god unknown reason, and the amount I pay varies each month so automatic payments are out too. Hence the call.
I finished up the day, then left for my massage. She did Ayurvedic massage which meant that while she did a fair amount of actual muscle work, she also massaged my scalp with essential oils for a chunk of the massage. I just need to get rich enough to be able to get a massage every day. Or at least three times a week.
The massage itself was $40. In order to be able to tip, I took a $20 bill out of the cash I have lying around the house (so I wouldn’t have to find an ATM), so I transferred $20 out of the weekly funds and will replenish my cash cache the next time I’m by my bank.
On the way home, I stopped at Fry’s to load up on fresh produce that was on sale: $1.77 for two pounds of strawberries (so I got multiple ones) and $1.99 cherries. Plus a couple munchies. The total was $25.37.
I dropped everything off at home, then went back out to pick up the personal pizza I’d ordered from a local chain called Barros. Their white pizza is amazing. That was $11.82 after tip.
I came back home and finally relaxed. And ate far more strawberries (and also junk food) than was likely advisable. Loved it.
I got into bed around 9:30 p.m. but at 10:30 p.m. my brain was still whirring. So I took one of the pills my psychiatrist prescribed. It still took at least half an hour to fall asleep. At least.
Total spent: $129.19 — owwwwwwww
Total spent: $308.31
Okay… ouch. Of course, 30% was for healthcare stuff (massage and tip, prescription and dental premium) and another 10% was to gas up the car. But yeah almost 25% of that was either takeout with Aaron or when I went to the MeetUp event. Both important for my mental health right now but still… Eesh.
How did everyone else’s spending go?