I just went and had my taxes done.
We are getting $1066.00 for our federal return and $118.00 from the state.
These additions alone will bring the car savings up to $7467.08. They said it could take 6-8 weeks to get our return. [Insert frownie face here.] But in the meantime, I will be adding in more to that sum.
As my Grandma used to say, I'm cooking with gas now!
Archive for January, 2019
I am making more progress on my plan. I just got a survey payment of $11.35 today. That brings my car savings balance to $6283.08. Woo-Hoo!
I get paid tomorrow. This is my progress of my 2019 Financial Plan.
1) Transferring $80.00 to car savings, bringing the car savings balance to $6251.73. Woo-Hoo!
2) Payment to cc 1 $20.00. I will be paying an additional $93.81 on February 1.
3) Coupon savings and cash paid to grocery bill $11.00. I transferred this amount to car savings and it is included in #1 above.
4) I am also using the money I normally use to pay for mowing in the summer ($50.00 every 2 weeks) towards the car savings until we buy a car. After that, I will pay it towards the credit card. That $50.00 is in addition to what is listed in #1 above.
1. Establish a budget in whatever format is useful to you. It should be portable enough for you to access when out shopping. I put my budget on a 4x6 index card with amounts for each category. When I exhaust a category, I line through it and write the date.
2. Pay yourself (put money into savings and retirement) and pay all bills before buying anything else.
3. Limit most purchases to what is needed.
4. Before doing regular grocery shopping, do an inventory of all cabinets, fridge, and freezer.
5. Use cash to pay for small purchases, such as snacks from a convenience store, etc.
6. Use any remaining cash to pay towards weekly grocery tab. Pay an equal amount towards savings or debt, if you have any debt.
7. Use grocery store loyalty card to get discounts. Pay an amount equal to the coupon savings to savings or debt, if you have any debt.
I will update this as I think of more things to write.
1) Breakfasts - eggs, piece ham or chicken, raw veggies like cucumbers or peppers, banana, almond milk
2) Chili - 2 suppers
3) Scouse - leftover - 1 supper for 2
4) Meatloaf - leftover - 1 supper for 2
5) Burgers and roasted veggies - 1 supper for 2
6) Tuna Salad and side of veggies - 1 supper for 2
7) Salads with ham, chicken, or tuna - 4 lunches for me
8) Tuna and guacamole with carrots - 2 lunches for me
9) Lunch Out - 1 lunch for me
10) Stir with chicken sausage and veggies - 1 supper for 2
11) Salmon patties - 2 lunches for DH
12) Shepherd's Pie - 4 lunches for DH
13) 1 leftover lunch for DH
I have been having a hard time writing 2019. It does not seem like it should be 2019. Anyway, when I wrote my last entry with my 2019 Financial Plan, I put 2018. ha-ha! I have fixed it now.