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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 and was kept decently busy at work until I had to leave for my lip wax. I have a prepaid package, so nothing came out of weekly funds for that. But I tipped $3.50.
Later, I had my doctor appointment. He’s still trying to get recertified with my insurance, so right now I pay $85 out of pocket. Amounts of $60 or more don’t get taken out of my weekly funds.
I came home and caught up on work. Then I went online and paid $27.10 for a screen curtain for the guest house. (As an Amazon affiliate, I’m compensated for purchases made through my links.) A handyman had opined that a regular screen door could get ripped off in the high winds we can get here. This way, she can still keep the bugs out and, as a bonus, the dog can go in and out easily.
After work, I went to trivia. There were three of us, but I had $40 of bar cash to spend. So we all ate quite well. I went a bit over $40 — gotta support the venue — so after that and tipping on the pre-bar-cash amount, I paid $16.04.
I came home and went to bed not long after. But I fell down the rabbit hole of the auction site’s offerings and then had trouble falling asleep. So I didn’t pass out until after 1 a.m. Whee.
Total spent: $174.78 ($73.74 out of weekly funds)
Thankfully, work was slow, so I was able to lie down for a nap.
Aaron called in with a status update on his pinkeye. It was getting worse. Poor guy.
The workday was pretty uneventful, but I was meeting a friend for happy hour at 4:30 p.m. So I spent the last half hour of work getting ready while intermittently checking for emails.
I got to the restaurant at 4:30 p.m. and my friend showed up not long after. We chatted for a few hours before calling it a night. I paid for the happy hour food since she’s bought me drinks in the past, so I spent $14.11 after tip.
We were right by a Cheesecake Factory, and I have a gift card so… Chocolate cake! (Yes, I’m basically the only woman in the world who doesn’t like cheesecake.) I wouldn’t have bought the cake without the GC, so in this case, nothing went into Saved Savings.
I got home, enjoyed my cake and watched an auction for a towel hook. I figured it would free up a lot of visual space instead of the towel bar that takes up most of the space between the shower and open bathroom door.
Initially I thought it was silly to do an auction to get something so small. Then I found out they start at $15 retail. Eek! So it was great that I was apparently the only person interested in the hook and thus got it for $6.24 after buyer’s premium and sales tax.
Unfortunately, at bedtime I once again fell down a rabbit hole — this time, secondhand markets — and found a guy who was selling tile. I asked a couple of questions and determined those weren’t for me. But then I asked if his liquidator store had any polished marble look tile, and he said yes — there were 190 sq ft he’d give me for $180 cash. Yay!
I fell asleep around 1 a.m.
Total spent: $20.35
I woke up a little before 8 a.m., not thrilled to be conscious. But since I couldn’t get back to sleep, I got up, did a couple of small chores and got ready to pick up the tile when the place opened at 10 a.m.
I had to fill up the car, which was $36.52. Ouch on rising gas prices.
I stopped at the bank and took out $180, then headed to the store. Only to find that it wasn’t polished marble tile. It was matte. And the few tiles I looked at had barely any veins — it was mostly just white.
The guy suggested another store called Sales Sumo. And I had a couple other options I wanted to check.
First, I stopped and picked up the towel hook. Then I drove to the ReStore but didn’t find anything there. Then I went to Sales Sumo which was… a lot.
It was three large warehouse rooms — two of which had several four-foot-high bins filled with various products. Most had a bit of a theme — plumbing and showerheads, for example — but some was pretty random. It was visually overwhelming.
I got directions to the tile section, which was also a mess. There were three rows of options, and some of the tile was different from what was underneath it. So I had to go up and down the rows multiple times checking that I hadn’t missed anything. Because I had found one single box of polished marble look tile, so I was hoping to find more.
Alas, most of it was vinyl tile or wood-look tile. Then I spent the better part of 40 minutes checking shower doors because they were all leaning against one another and some were glass and some were full kits and it was just a mess. I had to look stuff up by the model number on the side of several boxes because there were too many doors leaning against the box to be able to move it so I could see the front.
Once again, nothing. Gah.
I stopped at a discount flooring place I’d heard of. The prices were basically the same as everywhere else.
At this point, I’d been out for four hours and was exhausted. I stopped by Dairy Queen and got a meal for $12.14. Then I watched TV and rested up for trivia.
Trivia got a late start because a football game was going on that people were loudly cheering for. Who knew we had so many Nebraska fans?
I ordered some fries, and it turned out there was a $10 minimum for the credit card. So I took one of the $20 bills out (I’m redepositing the rest so I’m only counting the $20 here as having been withdrawn), and paid. It was $8 after tip.
We unfortunately didn’t place in the top three, but we had fun. And a new guy came, so hopefully we see him again. Especially because he knows science and sports.
I came home around 10 p.m. but once again spent too long checking the secondary markets. So I fell asleep around 1:30 a.m. Sigh.
Total spent: $88.96
I woke up late but well-rested.
Unfortunately, despite being pretty fatigued, I had to run to CVS. I also discovered I was more or less out of money for the month. Ack! I think it was from all the spending on house items. So I had $84 left in my account.
So of course I needed several things from CVS, and they added up to $53.13. Gah!
I came home, snacked and watched TV. Oh and did two loads of laundry ($7 to the Washer/Dryer fund).
Aaron videocalled, and his eye was worse than ever. I told him to call urgent care in the morning.
There was another auction lot I was interested in which was ending that night — this time for trash cans. My current master bathroom trashcan is a stained white one, which is fine hidden under the vanity, but would be a bit of an eyesore when I nixed the vanity for the pedestal sink. This auction was for stainless steel kitchen and bathroom cans. Normally if I were low on funds, I’d just put off purchases for a couple of days. But auctions can’t be put off til later.
I won them for $15.70. I also won a disposal but for reasons you’ll see shortly, I’m not counting that here.
I got to bed at a reasonable hour for a change, so that’s… something.
Total spent: $75.83
I got up, got through the emails and then set to my unpleasant monthly task that requires me to politely nag a lot of people over email. But at least it made the day fly by.
Aaron let me know that he’d called the urgent care where he’d been seen, and they determined he was having an allergic reaction to the medication. Oops. They gave him a different type, and the drops started having an effect almost immediately.
After work, I went and picked up the trash cans and disposal (which were thankfully at the same facility). On the way home, I stopped at a Fry’s ($7.52), but it didn’t have everything I needed. So I got in the car to go to a different aaaaand… My car wouldn’t start.
My battery had died a couple of weeks before, but my tenant had jumped it for me. It had been running fine since, but I’d still meant to get it tested at AutoZone. Really, I had. But of course there was always something more pressing for my limited energy.
Thankfully, someone was putting away groceries near me and was willing to give me a jump. After that I went directly to AutoZone where, not shockingly, my battery was pronounced a dead man walking. The replacement battery was $220.98 after tax.
I went to the second Fry’s ($7.61) and Dollar Tree for some ginger snaps ($1).
I went home, ate and rested, then went to test the disposal since you have to notify the seller within 24 hours if an item doesn’t work.
And that’s when I found out that the disposal had exactly three of the eight pieces of hardware it was supposed to come with. Argh! I emailed the company and left a voicemail message.
Josie’s monthly Banfield charge hit my card for $33.95. And just to make the no-money matter worse, I needed a couple of things from Amazon that I had already been putting off and couldn’t any longer. So that was $44.52. Siiiigh.
I should have just transferred money from Ally to cover the spending, but for some reason it just didn’t occur to me — even when I transferred in money for something else.
Specifically, I found some new-in-box shower doors on OfferUp for $399. I messaged asking if she’d accept $375, and she said yes. So I transferred money in from Ally to cover that. But not my weekly spending for some reason. D’oh!
I went to bed around 10:30 p.m. but didn’t fall asleep for ages.
Total spent: $315.58 ($8.17 since that was the remaining weekly funds)
I woke up and got through emails, increasingly worried that someone would contact the gal selling the shower door and offer full price. So I messaged her to say that I could come at 1 p.m. (the earliest she’d be available) if that was still convenient.
Then I contacted the auction people about the disposal, and they approved a return. Which was lucky because technically the terms say that no hardware/accessories are guaranteed unless mentioned in the description.
I went to the bank and took out $220, since I’d never gotten around to redepositing the money I’d withdrawn from the tile. Which in retrospect I also could’ve been using to cover weekly spending. I don’t know what was wrong with my brain, frankly.
Anyway, I went and got the shower doors, which was a huge debacle. After all that was done, I finished up work and tried to rest.
Thankfully, no auctions were ending that day. Not surprisingly, I went to bed at 9:30 p.m. and fell asleep almost immediately.
Total spent: $375 ($0 out of weekly funds)
I got up, got through emails and then left to return the disposal. It was a quick process, but it was a 20-minute drive each way — so not the quickest errand in the world.
I finished up work and thankfully my check finally arrived. I deposited it in my business account so I could get some money in my personal account the next day.
Then I just rested up for trivia that night.
I realized that some auctions were going to be ending during trivia — so I couldn’t bid — so I put in my maximum bids on a towel ring that I really liked* and a medicine cabinet I liked way more than the $15 one I’d found on Facebook Marketplace. I wasn’t willing to spend much on either one, so I wasn’t optimistic about my chances.
I talked briefly with Aaron while I was getting ready for trivia. His eye was starting to get better. Hooray! We were missing each other quite a bit.
I got to trivia, which turned out to be a different format than usual — apparently the trivia company has diversified into multiple forms of quizzes. We ended up coming in 4th out of 13 teams — all of whom had more than two people, so we felt pretty good.
The food was good, but the service wasn’t great. So between that and the different format (which neither of us particularly liked), I don’t think we’ll be going to that venue again. I spent $19.59 on food/tax/tip.
After trivia, I checked the auction site and found that I’d won both items: the towel ring for $6.24 and the medicine cabinet for $12.49. The medicine cabinet retails for $199 (!), and the towel ring for $40 (!!!) so these were pretty great deals.
I came home, looked in vain for tile on the various marketplaces, and went to bed around 10. I fell asleep about an hour later.
*You’d think all towel rings were basically the same, but I didn’t like the ones with conical bases as much as this one, which has a square base.
Total spent: $38.02 ($0 out of weekly funds)
Total spent: $1,072.48 ($267.05 out of weekly fund — but should’ve been $286.23
Woooooow. In the 2+ years I’ve been doing these spending diaries, the only time I’ve spent this much was when I had $700ish in car repairs.
Intellectually, I know that more than 40% (about $466) of that was on necessary stuff: car battery, doctor appointment, gassing up the car, personal health items and my cat’s vet plan. And that another 38% (about $415) was for my impending redecorating of the bathroom. But still…. owwwwwwwww.
Hopefully, everyone else had a much calmer spending week?