Double Payday! ($105,410)

Hooray $105!
I’m going to see if I can schedule a student loan payment for tomorrow, since I would like to see that all in my November budget. I’m excited to re-set my budget tomorrow, which hopefully includes:
$2,225 student loans
$500 savings
$335 train pass
$20 parking (a few days driving up to the farther train)
$175 gas
$97 phone (standard)
$40 iTunes/netflix/TiVo (I’m not going to mess with my mint budget here, but my November TiVo charge has actually already cleared)
$30 financial (standard–life insurance and credit score subscription)
$84 car insurance (standard–though I have a dividend/free month coming sometime soon)
$500 food (I did pretty good on this, especially at the beginning of the month–hopefully I can come closer to $400, but this would still be a serious improvement from the beginning of the year.
$400 everything else (I usually plan for far less, and I spent around $700(!) this month. I’m going to try to stay well under this, but I’ll be happy if I stop the bleeding here)

If I can do math this early in the morning, this brings my total budget to around $4,400, which is probably a bit more than I’ll bring in for the month. When the mint screen is in front of me I’ll find places to make cuts–hopefully I’ll end up spending less on gas, parking, food and entertainment categories.

I’m also returning $40 of something’s after work tomorrow. And I’m due a refund from the event I attended on Monday night, to the tune of $45. This would actually bring my budget about even for the month.

I often blog from the train on my phone on the way to work. It’s really difficult to give my posts the organization and coherence they deserve. Maybe I’ll try to save my posts for when I get home.

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Ugh! ($108,204) (not completely updated)

Went to see my primary care physician this morning.  Got some shots.  Sadly she couldn’t do what I wanted (nothing major, just looking to get a birthmark thing removed, not because I’m concerned about it being something, but because it snags against my clothes and hurts), so I have to go back next week.  The good news is my appointment is a little earlier in the morning, so I shouldn’t have transportation problems.

Today, however, was a different story.  Stopped to get gas.  Thought I was at a SmartPay station, and would save 10 cents a gallon, but realized it wasn’t, so only put in $10.  Drove to a farther train station, because trains ran more there midday.  I’m pretty sure I paid $7 for parking (through my EZ-Pass, which has had $30 on it forever, so I’m not too crushed about this).  Pull in, take my sweet time, don’t know what time it is.  Get to about where the trains are, and see one pulling away.  Damn! But there’s probably another one in like 20-30 minutes.  Wrong. The next one is in an hour, and I would like to get to work at some point today.  The really unfortunate thing is that I easily could have made this train, if I had realized what time it was, and that the trains were getting further and further apart as it got this late.  

Try to go to a subway station with parking.  Get off the exit, follow all the signs…Garage Full.  But this isn’t obvious, so I was about ten minutes trying to establish this.  Resign myself to driving into Boston, and parking at the lovely underground heated garage, and am greatly chagrined at the posted cost. 

So I leave work around 6 (hey at least I stayed 45 minutes later), and go to the garage to get my car and pay.  My firstborn wouldn’t fit in the slot, so instead I was forced to give them $35.  What a waste of money!

 

p.s.  That part in Big Daddy, where Adam Sandler mentions rum to Frankenstein’s friend, and the friend is all “Rumplestiltskin?” and Sandler replies “Rumplestiltskin’s a good man…”  Umm no he certainly is not.

A Little Proud? ($108,194)

I really wanted to get home tonight.  My library books were due back today, and I didn’t want to pay $35 in late fees again.  Not that one day would be $35, but it’s money I don’t need to lose. Respecting your money or something like that.  I also really really wanted Wendy’s (I wanted Wendy’s last night, went out of my way to get it, and it was closed!)

But alas, I went to the library, dropped off my books, went home, ate my leftover calzone.

On another note, most of the difference from yesterday’s post is my monthly TiVo charge (I don’t pay for rent or cable, so I pay about $23 each month for a combination of TiVo and Netflix).  I don’t know why sometimes the charge shows up on the prior month, but it messes with my budget.  I have money in my account if it comes out early or late–I just want it to be in the same place every month.

Incredibly Annoyed!! ($108,174)

This post has only a small amount to do with money.  

I went to an event tonight that I signed up for a few weeks ago.  I sent an email a week an advance as I was supposed to.  Drive up to the old train station (about $5 in gas), paid for parking ($4) and left work a half hour early ($15).  For an event I spent $45 on.  Basically I sat there from 6:30 to 7:30 waiting, while other people participated, but my email was lost or something, so I sat around waiting for them to get to me.  When they finally did an hour later, I was so pissed off that I just asked for a refund.  The guy was very nice about it and all, because he saw how pissed off I was, but you should address your issue BEFORE I’m sitting there for an hour, waiting for you to get to me, while everyone around me is having a good time.  There was one other person who they weren’t ready for too–because she hadn’t sent them her information.  Maybe you should help me before her, SINCE I DID WHAT I WAS SUPPOSED TO.

I’m just really mad that this was something I was looking forward to, and even though I’m going to get a refund, I also spent other money or missed out on making money that I’m not going to get back–and that sucks.

Quick Life Update ($108,123.28)

1) I went to see a musical with a friend last night.  Ticket was $25 (not too bad, I thought), drink, snack and parking totaled about 32?  Not great but not terrible.

My boss told me yesterday that they’ve put in (again) to make my position permanent. I likely won’t hear anything on this for a while, because they wait until the year has begun to finalize the budget, but it sounds like there’s more of a chance this year–considering they had sufficient work to extend me past a year in June, we’ve been very busy lately, and it sounds like there’s more than just one person supporting it.  I think that the difference in pay would be at least $20,000–a difference that would only replace the pay from my second job, but I’ll be crossing my fingers (and toes, and any other available appendages) that it would be more like $35–so I could eventually move and not live two hours from my job! (Not paying for a place to live is pretty legit, but it CLEARLY has its drawbacks.)  Hopefully that would enable me to save for a year while doing both jobs and pay down some debt a bit faster.

But I have to get hired first.

The Good and the Bad ($108,047)

The good: I went through my old freecreditreport.com statements (not free by the way), and was able to approximate my debt (though not my negligible assets) by month since January 2012. I’ve paid off about $20,000 in those 22 months–about $15,000 of that in 2013, when I started keeping track of my spending. And there’s two more months to go this year. And if I pay the exact same amount towards debt next year, it will make an even bigger impact, because I’ll have less principal and interest to contend with. Exciting stuff.

As of today this difference in cost of my train pass has been exceeded by the amount I’ve saved in parking.

Unfortunately, a lot of what I’ve saved in gas has been spent elsewhere. I have one set of purchases I need to return this weekend to get about $40 back–this is what happens when you have a few free hours and you’re near lots of shopping.

I also bought my lunch yesterday and am buying again today. Yesterday because I only wanted soup (and spent under $5, which while it’s more than I should spend–$0–it’s better than $10) and today because I had to take care of something at the house that cost me about 15 minutes this morning. Kind of infuriating. I’ll be buying coffee today too, but yesterday I was still feeling really sick, so I skipped all coffee entirely.

I currently have about $180 to get me through next Wednesday. I think peanut butter and jelly sandwiches are in my future next week–though I’m not remotely upset about that.

Hypocrisy ($108,035)

Back in the 108s.  Sigh.

Just re-read my last blog.  I’m pretty hypocritical, considering all the money I spent this weekend. It’s nothing I couldn’t have saved until next month, and definitely wasn’t money I needed to spend AT ALL at this time, but what’s done is done. I moved $100 into my savings account so I’m going to try to live on $195 until next Thursday–which is about how much I have in the budget anyway.

I’m home sick from work today, and left early yesterday.  So my working on Columbus Day basically just got nullified, and then some, but even though it won’t be a “full” paycheck, it will still be an extra for the month next week.  I’m planning on spending $225 in what was formerly my minimum, plus another $725 in extra payments, and moving $500 to savings.  That should more than wipe out one paycheck, and I’ll have most of the other smaller one for my spending and bills.  Since I clearly can’t be trusted with money in my checking account.