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 had spent the night at Aaron’s, and we’d gone to bed a bit late. Meaning I was a bit groggy and didn’t feel up to driving home right away, so I worked from his place for a while.
I’d brought some protein bars just in case, but Aaron grabbed me a bagel when he picked up his post-gym coffee. (Aw.)
At 12:30 p.m. I left for my doctor appointment. My insurance is making my doctor recertify, so for now I pay $85 out of pocket for visits. Amountsover $60 don’t come out of my weekly funds.
I had to fill up the car before I could head home, as I was down to just a few miles in the tank. That was $34.19.
On the way home I was ravenous, so I stopped at Dairy Queen and got a meal ($12.14).
I came back home and finished work. Normally, a workout would’ve been next, but an early trivia start time meant I couldn’t squeeze exercise in that day. =
I got to trivia and had planned on ordering something, but I was still very full from my late lunch and couldn’t handle the thought of more food.
It was Marvel movie trivia, which was fun but we came in 8th.
I came home, videocalled Aaron who’d messaged while I was in trivia. We talked til about 9, after which I battled food cravings for a while. Unfortunately, I lost the fight, so at 9:30 I went to Fry’s and bought $9.98 of junk food.
I sat up watching TV and wasn’t sleepy for quite a while. So I caught up on the emails that had come in thus far, allowing me to sleep a bit later that night.
I think I was slightly manic because as I was getting ready for bed I got preoccupied with how much gunk was on my Clarisonic brush and proceeded to clean it far too thoroughly given that it was past midnight.
And even after that, I couldn’t shut my brain off when I lay down. Being Bipolar II is super fun.
I finally fell asleep around 2 a.m.
Total spent: $141.31 ($56.31 out of weekly funds)
I had put my phone on silent but not Do Not Disturb. And when my phone rings more than a couple of times and isn’t picked up, my iPad rings for some reason.
I mention this because someone called me three times between 7:30 a.m. and 9 a.m. I gave up and got up to find Aaron had called multiple times and messaged, increasingly concerned that I wasn’t responding to calls or messages.
Once in a while, he has a bad reaction to a workout — fever and body aches for a few hours — and had wanted to at least chat but maybe come over and work from my place.
I wasn’t feeling so hot either, so I messaged the gal I was supposed to go out with that night to see if we could reschedule for the next day. She said it was fine. So I told Aaron to come over.
I kept an eye out for new emails, but we sat around feeling slightly maudlin together and cuddling for a while until we were both a bit more back to normal.
Around 6 p.m. he suggested we go bowl, and I had rested enough that it was feasible. We tried to find something to eat along the way, but nothing stood out. So I got a basket of fries at the alley, along with a soda for Aaron. It was a painful $11.43.
After we finished up — I finally had a game where I broke 100! — we got some takeout and went home to eat. Then fell into bed around midnight.
Total spent: $11.43
It was my overtime weekend, so I got up and dealt with emails while Aaron slept more.
He woke up right as I was finishing up emails, and we lay around for a bit and even ended up napping.
I woke up around 12:30 p.m. and said I had to get my workout in ASAP since, thanks to a 40-minute light rail ride, I’d need to start getting ready at 5 to be able to meet my friend downtown at 7.
Aaron said he needed a rest day, so I went by myself. By the time I’d gone through my cardio and legs and crunches (and let’s not forget stretching and foam rolling) it had been two hours since I left the house. Eesh.
I got back and caught up on emails, then lay around with Aaron for a bit before hopping in the shower.
The light rail was $1, but I used cash on hand. Any cash on hand is always from ATM withdrawals, which are accounted for in spending diaries, so cash expenditures don’t get counted in weekly funds, lest I count the money twice.
I got downtown famished and with slightly rubbery legs. The gal messaged to say her Uber had gotten stuck in traffic and her ETA was uncertain. So I ordered some fries and a drink while I waited.
She got there about 30 minutes later than intended, but I’d assured her it really wasn’t a big deal.
We chatted for a while and I had another drink while she had her first one. But before too long we decided to move to another bar. After tip, my bill was $29. Since (as you’re about to see) drinks downtown add up quickly, I don’t take out-on-the-town charges out of weekly funds.
There is a ’20s style speakeasy in the back alley of a local hotel, but it wasn’t open yet when we got there. So we went into the hotel and had a drink at the bar ($16.29 after tip).
At the speakeasy, the gal insisted on paying for my drink since she’d kept me waiting. We found a couch and chatted for quite a while. We were both hungry, so we went to a complex with bars and food. I ordered a pizza ($18.99 after tax and tip) at one place and a drink at another ($12.86).
We settled in to eat and drink and chat. Eventually, she said she had to work in the morning, so we should probably get going. I looked at the time and it was 11:30 p.m. Eek!
She walked me to the light rail station. Where both ticket machines weren’t working and wouldn’t register my credit card or debit card. And I didn’t have any singles to try cash. It got closer and closer to the next train, so my companion suggested I just take video of the issue. It’s rare that the security folks check for tickets, but just in case they did, I could show that I really tried to pay.
I did that, we said good night, and I got on the train. Where I wasn’t asked about a ticket, thankfully.
When I got to the park ‘n ride, I felt woozy. I wasn’t sure if I was still tipsy or just exhausted, but to be safe I ordered a Lyft for the few miles to my house. It was $11.83 after tip. In the morning, I’d take a Lyft back to my car.
It was 1 a.m. when I got home, but my stomach apparently didn’t appreciate that many sugary drinks and late night pizza, so it took a while (and a heating pad) to doze off.
Total spent: $89.97 ($0 out of weekly funds)
I slept in a bit, so thankfully there weren’t many emails to deal with in the morning. Unfortunately, I was still groggy, so I lay back down.
Which meant it was 1:30 p.m. before I was ready to go get my car and get to the gym.
The ride to my car was $12.88. I consider this part of the night out drinking, so it won’t come out of weekly funds.
I got to the gym at 2:30, and the gym closes at 4 on Sundays; so I couldn’t do both cardio and my upper body workout. I chose the latter, but even so, I only finished the routine/crunches/stretching/foam rolling about 10 minutes before closing time.
On the way home I stopped at Fry’s for munchies, which added up to $12.69.
Then I went to CVS and picked up a few things. I used $3 in Extrabux and had a coupon for 25% off. So the total was $20.99. Normally saved money goes into Saved Savings — but only when I would’ve bought the items anyway. Some of the products I got had only been purchased because of the coupon, so I put just the $3 for the Extrabux into Saved Savings.
The charge for Josie’s Banfield plan hit my card for $39.95.
Then I came home to chill out and watch TV. Aaron videocalled and we chatted for a bit. But I eventually let him go so I could properly snack in front of the TV.
Total spent: $89.51 ($73.63 out of weekly funds)
I woke up with a slightly sore right knee. It would mostly just complain when I sat up or sit down. I think I’d gone too heavy on the leg press.
I had run out of birth control and the refills had expired, so I called my gynecologist. The receptionist said I might have to come in for an appointment, but she’d check with the doctor.
I tackled emails and caught up on work pretty quickly.
Aaron videocalled me and said that Saturday he was going to hike Mt. Humphries. It’s apparently the tallest mountain in the state. It’s a few hours to the mountain, so he was staying Friday night and tackling the mountain in the morning.
I was going to Aaron’s after work, but the new development meant we couldn’t see each other the rest of the week. And we’re trying to see each other at least semi-weekly.
He had an early session with his personal training Wednesday morning, so Tuesday night was out. Wednesday I had trivia, so that wouldn’t work. Thursday I had also had trivia. Buuuut… No one had RSVPed. And the bar had a Saturday night trivia.
So I cancelled Thursday’s event and switched it to Saturday. Problem solved!
My gynecologist’s office called back and confirmed I needed to be seen for my annual exam before they’d provide a refill. But they had an appointment the following morning.
The rest of the workday was pretty quiet.
Happily, I got my paycheck in the mail and deposited that. Which meant I’d have to do a bunch of money math the next day.
I took off for Aaron’s as soon as I was done work, so I got there around 3:30 p.m.
I thought he’d want to bowl, but he just wanted to chill out. So we did. He had some leftovers from his lunch takeout, so we had that for dinner. But I was craving ice cream, so we went across the street to the Water ‘n Ice store and got some pineapple coconut flavor. Num!
A pint was $5.26, which I paid with cash from my wallet. The cash gets counted in spending diaries when I withdraw it from the bank, so this price isn’t included as coming from weekly funds.
We had ate the ice cream and then just chatted til bedtime.
Total spent: $5.26 ($0 out of weekly funds)
Aaron’s alarm went off at 5:30 a.m. (ugh) and then he set a second one for 6 a.m. I dozed a bit after he got up, but at 6:45 a.m. I gave up and started work. I was working from there rather than home because it was actually faster to get to my appointment from Tempe. Yay freeways, I guess.
He came back from the gym around 8:30 but immediately had meetings to deal with. Which he finished right as I was packing up for my appointment.
The doctor was running very behind, so I didn’t get called back until about 40 minutes after my appointment. The nurse practitioner didn’t come in for another 15. At least they apologized profusely.
I didn’t have a copay, since this was my annual. When I left, they called in the prescription for the birth control.
I came home, got caught up on work and sat around being annoyed that my knee was still acting up. Grrrr. I’d even tried wrapping it and using ice intermittently. And I kept it elevated by lying back in the recliner. No results.
That afternoon, I wrote out my “employee” check from my S-corp and did my monthly computing of how much to withhold (and my saving rates for the month).
After work, I picked up the birth control ($30) and some munchies ($12.44). The rest of the night was just eating and watching TV and continuing to ice my knee. Unfortunately, for some reason I wasn’t sleepy until almost 1:30 a.m. So around 1 a.m. I answered all of the customer emails that had come in, allowing me to sleep in a bit in the morning.
Total spent: $42.44
I woke up around 9:30. Knee was still complaining when I sat down or stood up. But as an added bit of fun, I’d somehow stressed out my lower back, so it was intermittently threatening to be a problem. Siiiigh.
I lay down on the heating pad once I was caught up with emails. That helped a little, but honestly I was starting to feel doomed.
I paid my quarterly taxes online. I had the federal ones taken directly out of my account. But for the state one, I had to use a card, so there was a convenience fee of $8.81.
After work, I chilled out a bit, and Aaron called to talk for a while. Then I got ready for trivia, which I got to a bit early. But the couple who comes to most of my events was already there, so we had time to chat.
I bought a beer from the brewery ($5.84 after tax/tip) and, since the venue didn’t have food, got a chicken schwarma plate from the food truck outside ($15.54 after tax/tip).
Trivia was… rough. We scored very low in the rankings. But we had fun, so I suppose that’s all that matters.
Afterward, the husband got out his phone, and I learned about the wonders of Auction Nation.
I signed up because I saw a light fixture I really liked, and I ended up winning it for $31 — or $38.93 after the buyer’s premium and sales tax.
I messaged with people a bit before bed. Suddenly it was 10:30 p.m. and I was still pretty alert. (I’ve got to start using my blue light glasses that block blue light in the evening.) So at 11:30 p.m. I answered all the emails in the queue at work so I could sleep later the next morning.
I fell asleep around 1 a.m.
Total spent: $69.12
Total spent: $449.04 ($252.93 out of weekly funds)
Ack, so much money on the card! My doctor appointment alone was almost 25% of overall spending. But the night out on the town definitely got expensive quickly. As for money coming out of weekly funds, I guess it could be worse. But I feel like a lot of it was takeout (or groceries that mainly consisted of junk food). So I guess I’d better work on that.