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Extra Payday in August

July 21st, 2012 at 09:38 pm

I get paid every 2 weeks, which sometimes means I have 3 paydays in one month. I still only have 1 month's worth of expenses, so I have decided to make a plan on how to spend it wisely. Here is what I am planning for my August paydays:

1) $00 to regular savings
$100 to house savings
$100 to car savings
$150 set aside for cc #2 (not paid til later in month)
$200 set aside for mortgage
$240 for groceries
$30 gas for car
$57 gas bill
$7 cigarettes (not mine, hubby's)
$45 chiropractor visit
$40 lawn mowing
$100 Miscellaneous
TOTAL $1069.00

2) $00 to regular savings
$100 to house savings
$100 to car savings
$150 set aside for cc #2 (not paid til later in month)
$200 set aside for mortgage
$240 for groceries
$30 gas for car
$152 electric bill
$40 lawn mowing
$37 trash bill (billed bi-monthly)
$7 cigarettes
$45 chiropractor visit
$40 lawn mowing
$100 Miscellaneous
TOTAL $1241.00


3) $00 to regular savings
$100 to house savings
$100 to car savings
$150 set aside for cc #2 (not paid til later in month)
$200 set aside for mortgage
$240 for groceries
$30 gas for car
$50 water bill
$7 cigarettes
$40 lawn mowing
$80 internet and landline phone bill
$100 Miscellaneous
TOTAL $1097.00

30 in 30 Days Challenge and Debt Payments

March 18th, 2010 at 04:47 pm

Well, today and tomorrow I have off from work. I have spent the entire morning decluging trash out of my bedroom. I organized all my tax paperwork from 2009 and put it away in a document folder. I also put copies of checks and bills stapled together for old medical bills into the appropriate tax year folder. My next target is my receipt drawer. I need to get rid of the debit receipts that I no longer need to keep. Obviously, certain ones I will keep.

Tomorrow, I get paid and will mail payments for hospital debts #1 and #2 and pay the cell phone bill. The rent will be due later in the month.

Oh, and I learned something very valuable. Last week, I got two survey payments totalling $11.00 which I put directly into my checking because I was anticipating the arrival of a bill for hospital debt #1 and wanted to be able to pay it ASAP. Well, I had some unexpected expenses and said survey checks wound up being what tied me over until payday. What I learned was to delay those paypal transfers until I actually have the bill in hand ready to pay it. Arrgh!

More Decluttering

February 12th, 2010 at 09:28 pm

Howdy, neighbors. I have done some more decluttering by discarding 2 more pairs of threadbare socks. This seriously pared down the number of wearable socks in my drawer, so I opened up a new bag of socks I had already bought months ago.

That's 6 things so far this month!

More Decluttering

February 7th, 2010 at 09:19 pm

My dh decided to list some more books on bookmooch because there are some books he wants to get. However, he needs more points. Anyway, two of the books we don't want anymore don't have isbns even though they were published in the last 30 years. I have decided to take them to Goodwill next weekend.

Continuing With Decluttering

February 7th, 2010 at 04:23 am

I was inspired by the 30 in 30 Days Challenge and have continued to declutter. Today, I got rid of an old cd player/radio combination unit that hasn't worked for years. I have no idea why I still had it sitting in my bedroom. Since I rarely used it, I don't see a need to replace it.

I also got rid of a pair of courduroy pants that my dh held up to fold after laundering. We could see daylight through them, so we threw them out. I will have to replace them on my next payday.

30 in 30 Days Challenge!

January 30th, 2010 at 06:39 pm

Well, I guess the month is not officially over, but I am calling my part of the challenge over. I was able to get rid of 35 things. For my dresser and closet, it helped me to clear out some space so I can see better what I actually have. As far as saving money, I think that would be it there. If I can see what clothes I actually do have, I won't be so tempted to go and buy more. A feng shui expert I know does say that clutter represents stuck "chi" or energy. So getting rid of clutter can help with that, too.

- gave all clothes to charity, except for a threadbare pair of socks
- gave a lot of plastic bags to charity
- gave 2 books to charity
- recycled some old magazines and one water-damaged book
- took old receipts, old checks, old deposit slips, and junk mail to a place where they are guaranteed to be shredded
- recycled old insurance information packet
- threw away old non-working marker

How did you all do? How did it help you?

30 in 30 Days Challenge

January 23rd, 2010 at 09:20 pm

Well, I found another shirt that I have never worn. Someone bought it for me and I hate it. I also found a pair of pants that don't fit well. I took both of those to the Goodwill today. While at the Goodwill, I bought a sweater in a neutral color and a pair of khaki pants. The sweater replaces a couple of other sweaters I have that are no longer suitable for work, but I can wear around the house. The pants are a better fitting pair of pants that replace those I took to Goodwill.

That makes 35!

30 in 30 Days Challenge

January 17th, 2010 at 05:09 pm

Well, last night and this morning I have made a lot of progress. This is what I found.

- 1 pair of threadbare socks
- 5 old magazines that I no longer need
- 10 pieces of junk mail that I had sitting around for awhile
- 1 bag of receipts I do not need to keep
- more plastic grocery sacks
- 1 box of checks with the wrong address on them
- 1 box of deposit slips from a closed account

That's 31! I don't think I will stop there, though. I have a lot more junk to get rid of one way or another.

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Update: I found one old marker and a state employee health insurance information packet from 2 years ago. I guess I don't need that anymore.

That's 33!

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I also wanted to add that I do use the nylon canvas type shopping bags, but I only have 4, so every week, I usually have 1 to 2 of the plastic variety. After they sit around for awhile, they seem to multiple like bunnies. So, after a few months, I gather them up and take them to some place like Goodwill, who seems to be thrilled to get them. I would like to get more of the nylon bags, so I am keeping my eyes open for them. I will also add that I am recycling the magazines, not throwing them away.

30 in 30 Days Challenge

January 16th, 2010 at 10:30 pm

Well, with the exception of one of the paperback books, I took everything else to the Goodwill store today to donate it. The paperback book I am going to recycle because it apparently got wet somehow and I can't see someone wanting to pay money for it. This morning, I discovered another clothing item which was threadbare and had lots of holes in it. It hit the dust bin. I don't know what effect this challenge will have on my finances, but perhaps by getting rid of stuff I no longer need or are unuseable, I can make room for other stuff.

That's 12!

30 Things in 30 Days Challenge

January 16th, 2010 at 02:58 am

Well, I have been looking for more stuff tonight after getting home from work. I found 2 books that I have had since college and have not opened them since. So, because one is in good condition, I will take it to the Goodwill tomorrow. The other is warped by water, so I will take it for recycling.

That's 10 items so far!

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I found another shirt. That makes 11!

30 in 30 Days Challenge

January 10th, 2010 at 05:21 pm

Well, I did not think I would be able to participate in the 30 in 30 days Challenge. Well, I did yesterday and didn't even realize it until just now. I gathered up 2 pairs of blue jeans we no longer wear and also a bag full of plastic grocery sacks and took them to the local Salvation Army. Before I get flamed for not reusing my grocery sacks, please let me assure you I have enough plastic sacks to last for quite some time. However, the Salvation Army and Goodwill can't do without donations and I know they can use bags. Also, I found another pair of blue jeans and more plastic grocery sacks to take to the Salvation Army today. I think I will count the plastic grocery sacks as a group. So far, I have gotten rid of 4 things. Wow. That's pretty cool. I also got rid of 2 pairs of socks that were threadbare. I just threw them away. So that's 6 things so far.

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As an update, I do want to say that I do use reusable nylon grocery bags for the most part.