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Another Payday - More Debt Paid and More Saved

September 1st, 2012 at 11:59 pm

Hello, financial savvy people. I got paid my third paycheck of the month yesterday. It is not turning out exactly the way I planned, but it is better than it would have been without any planning. Here is my plan for what to do with my third paycheck. The reality of what happened is in red.

1) $00 to regular savings in favor of paying off more debt
2) $100 to house savings - $140 spent on new faucet for kitchen instead, more than I expected
3) $100 to car savings - $40 added to car savings
4) $150 to cc - $100 to cc. I will be getting about $13.00 more to add to this courtesy of mrrebates and about $8.00 or $9.00 courtesy of cash4books. So, that gets me closer to my goal.
5) $200 set aside for mortgage - $161.61 set aside for mortgage - had intended to have $33.00 extra for the principal and $5.00 extra for the escrow, but wanted to get dishwasher (cc #1) paid off as quickly as possible, so compromised there. The credit card is a higher interest rate than the mortgage.
6) $240 for groceries - We were out of practically everything, so I have already spent about $150 out of the $240 two-week allocation I give myself for groceries.
7) $30 gas for car - spent $20.11 on gas
9) $50 water bill - water bill was $51.95
10)$7 cigarettes - spent $7.00 on ciggies for dh
11) $40 lawn mowing - allocated $40.00 for mowing, though I am not sure we need to do this much longer this year
12) $80 internet and landline phone bill - just switched over separate internet and cell bills to a combined internet and landline bill and it was more than I thought it would be - $105.86
13)$100 Miscellaneous - Who knows?
TOTAL $1097.00 I don't want to think about it.


Due to the unexpected expenses, I am trying to use my food as wisely as possible to get as much out of it as possible. I bought about 5 pound of chicken breasts and a pot roast. I also got 3 packages of Farmland ham. That will give me my meat for the weak. The rest is mostly raw veggies. I will also make some soup for my lunches. My meals for the week include:

1) Eggs and ham - 3 meals

2) Oatmeal. Side of grapefruit with stevia. Side of ham. - 4 meals

3) Chicken salad with green onions and cayenne pepper - 3 meals - (already had cayenne pepper)

4) Kale salad with beef, olive oil, cider vinegar, cranberries. - 1 dinner meal - http://allrecipes.com/recipe/kale-and-feta-salad/detail.aspx (I already salt. I am leaving off the feta cheese because I am allergic and substituting strawberries because I could not find currants. I will add some chicken strips. I can't seem to find the currants for this recipe in my area. So far, I have tried making it with strawberries and cranberries, and I must say that I vastly prefer the strawberries. Delicious. With beef is better also.)

5) Flat Iron Steak and Spinach Salad - 1 dinner meal - http://allrecipes.com/recipe/flat-iron-steak-and-spinach-sal... (I already had red onion, olive oil and red wine vinegar instead of wine. I left off the cheese. This one was delicious. We had it last night.)

6) Thai Salad with whole grain rice and chicken. - 1 dinner meal - http://allrecipes.com/recipe/thai-salad-with-whole-grain-bro... (I already had olive oil, garlic, onion, chicken, and peanut butter.)

7) Green Salad with Tomatoes and Cucumbers, and either chicken or ham - 1 dinner meal - (I just made this one up. We already have lemon juice, olive oil, garlic, ham, and chicken to make it.)

8) Quinoa and Chicken/Tuna Salad - http://allrecipes.com/recipe/carons-kickin-quinoa-salad/deta... - 1 dinner meal (We already have the quinoa, mayo, lemon juice, black pepper, chicken, and tuna. I haven't decided whether to make it with chicken or tuna, but either way, it should be good.)

9) Grilled Chinese Chicken Salad Slaw. http://www.foodandwine.com/recipes/grilled-chinese-chicken-s... 1 dinner meal - (We already have the ginger spice, and olive oil. We are substitution lemon juice for lime juice and white onion for scallions.)

10) Chicken Soup with Rice. Already have brown rice, broth, carrots, onions, salt, and pepper.

2 Responses to “Another Payday - More Debt Paid and More Saved”

  1. Jerry Says:

    Paying down debt with the 'extra' paycheck is perfectly viable, in my opinion, because it leads you toward getting out from under the debt without hurting the average monthly bottom line. You have some insurance that you can do it from time to time during the year, so have it! Good job, even if there were frustrating additional expenses.
    Jerry

  2. Homebody Says:

    I love allrecipes.com! I will have to add a few of your meal recipes to my box!

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