I’m halfway to another payday. I feel like as the month ended I thought “where did all that extra paycheck money go?” Turns out, I think it’s still in my checking account. I moved over about $375 to my savings account at the beginning of the month–maybe I should have moved more?
I had to pay for parking today, which was unfortunate. The good news is that I wasn’t as late to work as I thought I might be today, and when I got out of my doctor’s appointment I realized that I’d be taking the same train whether I went to my old train station, or if I went to one slightly more towards the city. The farther station would have meant more gas money and more traffic on the way home. Going to my old train station also meant cheap gas! I wasn’t really in need of a fill up, but gas there is about 30 cents cheaper than gas near my house, so if I’m in the area I take full advantage.
I made a genius decision, which thus far has been notsomuch genius. I had this brilliant idea to split up my loan payments on Mint into principal and interest payments, this way i can eventually graph how my interest payments are going down, and see that the same payment is having more impact. Whatever I did, I ended up doing something to my payments to make it seem like they were money coming in and not money going out. Wouldn’t that be nice. Anyway, what I eventually ended up doing was making a new category in Fees and Charges for student loan interest, and when I make my payments I’ll split them between this new category and the Education/Student Loan category I had been using. The bad news is that whatever I did totally messed with October, and I’m past where I want to put effort into fixing it (especially since I already took the magical screenshot in my October recap post). Attempting to mess with the Mint website on my phone was also extremely frustrating, and train time is my main money obsessing time. The good news is I think I’m now all set for November–I just have to wait until payday to put this plan into action by making more payments.
Today I bought gas for cheap, and if I stay in my part of the state this weekend, I shouldn’t need to get gas at all next week. I don’t have plans to do otherwise this weekend, but I might try to arrange some kind of bowling excursion with my sister the following weekend. Bowling is cheap, right? This week I’ve bought 0 lunches (and have sufficient food for lunch tomorrow), and 0 coffees (made my own Monday through Wednesday and, because I was going into work late, went without one today–GASP!) In terms of monthly progress, I’m under budget so far on food (thought not by a lot, due to eating out on Saturday night), a little over on gas (but with a full tank), and shouldn’t spend more than a few bucks or less on movies/tv entertainment. I also have decided to try not use my iTunes budget until the end of the month–if I need to squeeze somewhere it’s probably going to be there.
When I was in college I used to see how many days I could go in a semester without skipping a class. I knew that once I skipped one, it was all downhill for the rest of the semester–such a dedicated student I was! See!? We need a sarcasm font. Anyway…I’m kind of seeing how much I can do of the same with coffee and lunch–I’ve only really been keeping track since Monday (though I know I didn’t buy either on Friday and maybe Thursday), but let’s see how far I can go.
Lastly, I attempted Day whatever of this plank challenge business. We’re now increasing in 30 second increments. This is not fair–30 seconds was like what we started with. I tried today’s 3 minutes and 30 seconds this morning and went down at about 3:10. But this is not the first time I’ve tried in the morning, and went back when I got home from work (or a party at 11:30pm) to try again, and each time I’ve made on the second (or third ) try. Tonight I lasted even longer than I needed thanks to some early 90s hip hop. There’s some kind of lesson here. I think the lesson is that you’re more likely to succeed if you embrace your terrible taste in music.