Monday, June 30, 2008

June wrap up....

Well, I started out really well, then faltered a bit, but reigned it back in for a fairly good finish. I'm pleased.

I was able to keep to 16 no spend days for the month which I really didn't think I would accomplish since I had only 5 by the middle of the month. Very pleased with that. In the past once I feel I have failed, I decide oh well, I've blown it, I may as well give up this month, I'll try to get back on track next month. This month I was good!

Groceries: $37.01 (that really is my month total, my parents gave me tons of their food when they unpacked and moved into their new house, so I have non-perishables coming out my ears!) :)
Gas: $80.00
Dining out: $87.97(OUCH!)
Entertainment: $26.00
Gifts: $88.21
Clothing: Nada!!

I earned $75 from surveys and surprisingly this month I wasn't sent any freebies. Darn it!

I also put $1312.33 into my savings account. Next month will be great because I will be able to add my stimulus check, my land lease money and $700 from my paychecks. I'm making a goal of saving $3600 next month. Let's hope I can do it.

I hope everyone has had a great June and is looking forward to a safe and happy 4th of July!!

Received my money

from our land lease! yeah! It was so nice to open the mailbox on Saturday, first to see there were no bills, then to see that my check came for the oil land lease. I will take that to the bank this afternoon and will tomorrow send the $2200 to my ING account. I'm keeping the remaining $50 to do something nice for myself. :) Have to spoil ourselves a little bit, don't you think? It will be great to add this to my savings and let it earn some interest, even 3% is better than nothing. I might be a CD with it, but not sure yet, I'll keep looking at the rates.

Monday, June 23, 2008

That was definitely a frugal weekend....

I didn't spend anything, not one dime!! I can not believe I didn't spend anything all weekend, and I was busy too! I didn't have to fill up the car yet either, that will probably be tomorrow. I'm sure it helps that I stayed home all day yesterday. Unfortunately that was because I had such a horrible migraine and couldn't stand the thought of even getting up or eating. Ugh! Definitely not the way I would have chosen to spend the day if I had a choice. Hmm! Still not feeling great today, but doing better.

Did anyone do anything fun this past weekend?

Friday, June 20, 2008

Frugal weekend ahead....

Yeah! I am hoping to have a very frugal weekend. I have plans tonight, a BBQ with family and friends. I made a big pasta salad for that. Tomorrow I am going to a skincare party, I'm not planning on ordering anything, but a gal I work with asked if I would place an order for her. So, I get to go to the party and not have to feel weird about not ordering. :) Sunday should be a pretty mellow day at home, doing chores and relaxing. I'll probably have to fill up the gas tank this weekend which never fails to amaze me how much it can cost to fill up a Honda Civic, but thankfully it usually lasts me at least 2 weeks. So, other than gas, I don't think I will be spending any money this weekend.

Do you have any plans this weekend? Do you think you will spend a little or a lot?

Tuesday, June 17, 2008

Just when I was doing so well...

I had been doing so well so far for June, not spending too much money on food or eating out. Ugh! Then came the weekend and I blew it! This just reinforces why I need to go to the grocery store! I worked in grocery stores for 14 years, so that must be why I dislike shopping so much, but I have to get over it! Friday night, I didn't feel like going to the store, so I ordered a pizza and salad; $18. Saturday, still didn't feel like shopping, so I went to McDonalds, >$7. Sunday I had to go to the store for my share of Father's day dinner, so what do I do? I only buy what I need to make my share of dinner. Why didn't I do more shopping while I was there? Because I was irritated that it was so busy and all I wanted to do was get what I really needed and get out of there. So, I had yesterday off from work, would have been great to go shopping in the middle of the day when it's not busy, but no, I called my aunt to see if I could take her to lunch for her birthday which was last month, $35. Who do I think I am? The Queen of Sheba? Yikes!! I really, really need to get my spoiled butt to the grocery store and pronto!

Friday, June 13, 2008

Nearly the middle of June already...

where is this month going? Time is flying by! I am doing pretty well sticking to my small spending plan, but I really, really need to go grocery shopping. It's already the 13th, and I haven't gone to the grocery store yet! Surprisingly I haven't spent that much eating out either. But, I have to go to the store so I can at least cook some real and balanced meals.

Today, I took another vacation day, my mom took the day off too and we had a great time. We went to a furniture store that was about an hour away that we had been meaning to go for several months now. Then we went to the art festival that was going on in town, wandered around quite a bit and just checked everything out, didn't buy a darn thing though. :)

I'm looking forward to a nice long weekend, I have Monday off too. Yeah! ;) Not too much planned for the weekend, so hoping to not spend too much money. I will get to the grocery store though, I have to! I hope everyone has a great weekend! Enjoy!

Thursday, June 5, 2008

Taking a vacation day

this Friday, yeah! I have too much vacation time on the books and if I don't use it up soon, I will lose it. No way I was going to let that happen, so I am taking the day off. Unfortunately it's going to be one of those days with lots of errands, which means lots of money spent! Darn it! Oh well, it must be done. I am getting my eyebrows waxed first thing, using a gift certificate for this, so that will be nice, and I have a Starbucks gift card that I will probably use to start the day. Then I am going to get my hair done, color and cut, this should cost me about $100!! Ugh! Next up is taking the car in for service, hopefully this will be $250 or less, oh well, also needs to be done. And, I must remind myself, it's cheaper to maintain a car than it is to replace one. I also have a Dr. appt later in the afternoon. Boy oh boy, doesn't this sound like a fun filled day off??

Anyway, a day off from work is never a bad thing, especially when you are still getting paid for it! :) Happy Friday!!

Wednesday, June 4, 2008

Debt payoff

I have changed my mind again in regards to how I am going to pay off this loan to my parents. What can I say, I'm a woman, it's my prerogative to change my mind! :) Since they still haven't done anything with the check I gave them almost 2 months ago, I can tell they aren't desperate for the money. So, I have decided that next April when the next payment is due, I will pay them $10,000, then the following April, I will pay them another $10,000 and be done with it. Along with the $2100 I have already paid them, I will have paid them back a total of $22,100 which is still higher than what I would owe them at 5% over 3 years on the original $20,000 ($21579). So, not only will I be glad to have it paid off, they will get a deal too. And I don't have to remember to write them a check every 3 months.

Now, if I could just get them to deposit the check I gave them already! Sheesh! Does anyone else get irritated when it takes people so long to go to the bank with checks you have written them???

Monday, June 2, 2008

May wrap up....

May is done, boy that went!! May wasn't nearly as good a small spending month as April had been! Darn it! I must get back to my frugal ways....

Groceries: $56.18
Gas: $74.01
Dining out: $117.36 (OUCH!) I even bought my lunch 4 days this month, up until now I had brought my lunch every day this year.
Entertainment: Nothing!!
Gifts: $89.82
Clothing: Nada!!

And to top it all off, I had 15 No Spend Days!!

I also earned $49.80from surveys. I also received my eBates check of $123.46 and my Office Depot Worklife Rewards of $142.57 which I turned in for gift cards, one of which is a $100 Visa Gift Card which will really help out with the grocery budget next month. Hoping to use that to build back up my pantry again. I have been cleaning it out for awhile and now it has that Mother Hubbard effect. In May I also received a free brick of cheese from the grocery store and 2 cans of tomato soup that were a trial. Oh, and 2 rolls of paper towels which should last a really, really long time since I mostly use cloth napkins and towels for everything.

For June I would like to get back to my more frugal ways again, I felt like some of my spending was really out of control in May and that to me is a really unsettling feeling. My money will be coming in, in June for the mineral farm land lease so that will be nice to add to my savings; and I am forcing myself through auto draft to save another $1000 from my payroll to savings. That should really give the savings a boost, and if it's not in my checking account, I can't spend it! :) So, here's to a much more frugal June than May was!!!