Saturday, May 5, 2007

Observations

Scanning over the most recent receipts, it occurs to me that we've been going to a store - sometimes the same store! - almost every night. It's insane. I sat here for a while tonight, giving everything some thought, trying to figure out what in heaven's name was going on... and I think I've finally figured it out.

Under normal conditions, I keep my car on certain days and do all the shopping during the day while A. is at work and K. is at school. However, we've not been working under normal conditions lately. Since he got back into town, A. has been using my car exclusively. He has offered to let me keep it to run errands a few times (with him either taking his car or me driving him to work), but with the extensive burns I suffered recently, driving (much less doing all the stretching and bending involved with a short woman shopping) was out of the question unless absolutely necessary. I was just in far too much pain - not to mention so extremely tired while healing - to put a shirt on my burns and go shopping. Anywhere. For anything. So A. has been driving me to this store or that one after he gets home from work.

There was one instance where we had to go back to Sam's a few days after we'd just been there because we needed water - they had been out the day we'd gone and after looking at other stores, I remembered why I normally drive over to Sam's for it (cheaper cost for higher quantity) - and it wasn't going to wait until this weekend when I had originally planned to go back for salad greens.

Another instance we went back for more menstrual pads. In that case, we're still trying out the new brand (Natracare) and didn't buy enough supplies for the month. Notation has been made on my monthly shopping needs list and that probably won't happen again. After a few months, we'll be as well stocked as we were before.

It's just little things - little adjustments - that have us looking crazy right now. Little things that don't happen or don't bother us under normal circumstances.

I guess, looking at the big picture, I can breathe a small sigh of relief that this isn't the normal trend. Anyone looking in through the small window I'm creating with this blog would surely think I'm insane, but no, that's not the case (ok, maybe, but not because of this!!). Things are just a little hectic and out of balance lately. Things will get back to normal soon, though.


Coming soon: slush fund vs. life improvement fund

Expense Accounting; New Balance

Technically, Mother's Day cards can't really be considered something that would fall under "Life Improvement", but... um... yeah. I had the cash there, and I'll make the sacrifice. The recent influx of school related expenses has completely (1) taken me by surprise and (2) drained my resources.

Also, um, technically the additional (and unexpected) expense of feeding A. and K. while at MGM on a field trip shouldn't come from the emergency fund, but the original notices said they'd be provided a bag lunch, then at the last minute we got noticed saying they needed funds for food. Wee. Seeing as how I'd already wiped out every other bit of money I could spare, I took the money from the emergency fund. Some of the $100 that was taken out was returned to me (along with a present! yay!) but that money is being shuffled off to cover a few other things.

The money coming out of the life improvement fund for my contact lenses was the balance due after the insurance kicked in.



Emergency Fund (5/4)
$100 - taken out for K.'s field trip (A. playing chaperone)

.........

Life Improvement Fund

Target (5/5)
$3.99 - mother's day card
$1.99 - mother's day card
$2.25 - mother's day card
$2.25 - mother's day card
$2.99 - mother's day card
$4.99 - mother's day card
$3.99 - mother's day card
$1.58 - tax
---------
$24.03 - total


Vision Works(5/3)
$13.88 - contact lenses
---------
$13.88 - total

=========

ING savings - $85.67
EF - $230.00
personal savings - $10.00

slush fund - $24.95
Dental fund - $100.00

Disney fund - $40.00
Christmas fund - $126.50

Life Improvement fund - $23.00

Grocery Accounting 5/1 - 5/14

Sam's (5/5)
$3.88 - dinner rolls (48 count)
$3.88 - dinner rolls (48 count)
$5.88 - red grapes (3 lbs)
$1.09 - bananas (3 lbs)
$1.09 - bananas (3 lbs)
$4.47 - romaine hearts (6 hearts)
$2.87 - whole wheat hoagies (6 count)
$4.37 - potatoes (10 lbs)
---------
$27.51 - total


Publix (5/5)
$3.75 - milk (1 gallon)
$0.99 - nail clippers (impulse buy - mine went missing; these have a chain)
$0.07 - tax
---------
$4.81 - total


Target (5/5)
$1.38 - medium heat, chunky salsa (Market Pantry, 24oz, clearance)
$1.38 - mild heat, chunky salsa (Market Pantry, 24oz, clearance)
$5.49 - toilet paper (Angel Soft, 48 roll pack)
$5.49 - toilet paper (Angel Soft, 48 roll pack)
$1.94 - tissues (Kleenex ultra soft, 180 pack)
$1.94 - tissues (Kleenex ultra soft, 180 pack)
$0.76 - farfalle (bow tie) pasta (1 lb, clearance)
$0.76 - farfalle (bow tie pasta) (1 lb, clearance)
$0.55 - medium shells (1 lb, clerance)
$0.55 - medium shells (1 lb, clerance)
$0.55 - penne rigate (pointy end tube pasta) (1 lb, clearance)
$0.55 - penne rigate (pointy end tube pasta) (1 lb, clearance)
$0.55 - angel hair (1 lb, clearance)
$0.55 - angel hair (1 lb, clearance)
$2.24 - light bulbs (6 pack)
$1.20 - tax
---------
$25.88 - total


Sam's Club (5/3)
$4.46 - water (32 1/2 liter bottles)
$4.46 - water (32 1/2 liter bottles)
$4.46 - water (32 1/2 liter bottles)
---------
$13.38 - total


Nutrition S'Mart (5/3)
$4.69 - Natracare pads
$0.33 - tax
---------
$5.02 - total


Target (5/2)
$6.29 - Listerine (1.5 liter)
$0.99 - shaving cream (trial size)
$1.24 - wax paper
$3.69 - toothepaste (Crest sensitivity)
$4.64 - razors (Soleil)
$2.99 - razors (Noxzema)
$1.39 - tax
---------
$21.23 - total


Super Saver Supermarket (5/2) (it's so NOT)
$0.99 - whole coconut
---------
$0.99 - total


U-Save (5/2)
$3.25 - V8 hot & spicy
$1.15 - dried baby lime beans (1 lb)
$2.19 - 1/2 gallon 2% milk
$1.99 - Crisco shortening (1 lb)
$2.50 - Country Crock (3 lb)
$1.59 - margarin sticks (1 lb)
$2.29 - Kraft Deluxe mac & cheese
$1.88 - Shur Fine Deluxe mac & cheese
$0.99 - Kraft mac & cheese dinner
$0.59 - Golden Grain Mission mac & cheese dinner
$0.23 - tax
---------
$18.65 - total


Chick-fil-A (5/1)
$18.78 - dinner out due to double school outing
---------
$18.78 - total


Natural Foods Market (4/30)
$4.39 - Natracare pads (night time)
$4.29 - Natracare pads (slender)
$3.99 - Natracare tampons (regular)
$2.39 - Endangered chocolate (Harp Seal - Smooth White Chocolate)
$2.39 - Endangered chocolate (Manatee - Milk Chocolate with Rice Crisp)
$2.39 - Endangered chocolate (Elephant - Milk Choc. w/ Peanut Butter Brittle)
$2.39 - Endangered chocolate (Rain Forest - Dark Choc. w/ Deep Forest Mint)
$1.56 - tax
---------
$23.79 - total


Sam's (4/30)
$5.05 - Tropicana orange juice (1 gallon)
$1.09 - bananas (3 lbs)
$3.88 - dinner rolls (48 count)
$5.47 - tuna (10 cans)
$5.02 - cheddar cheese (2 1-pound packs)
$2.67 - carrots (5 lbs)
$1.78 - eggs (18)
---------
$24.96

budgeted for 5/1 - 5/14 - $220.00
total spent - $185.00
tossed into change jar - $3.00

total remaining - $32.00

Wednesday, May 2, 2007

Expense Accounting; New Balance

K. has a field trip to MGM in Orlando later this week. Seeing as how she can't take a purse, but did need to have something small purse size to carry a few personal items in, she got a fanny pack-type waist travel bag. Paid for it with cash in the Life Improvement fund.

Target (5/2)
$9.99 - waist pack
$0.70 - tax
---------
$10.69 - total

=========

ING savings - $85.67
EF - $330.00
personal savings - $10.00

slush fund - $24.95
Dental fund - $100.00

Disney fund - $40.00
Christmas fund - $126.50

Life Improvement fund - $61.00 (change was tossed into the change jar)

Grocery Accounting 5/1 - 5/14

Target (5/2)
$6.29 - Listerine (1.5 liter)
$0.99 - shaving cream (trial size)
$1.24 - wax paper
$3.69 - toothepaste (Crest sensitivity)
$4.64 - razors (Soleil)
$2.99 - razors (Noxzema)
$1.39 - tax
---------
$21.23 - total


Super Saver Supermarket (5/2) (it's so NOT)
$0.99 - whole coconut
---------
$0.99 - total


U-Save (5/2)
$3.25 - V8 hot & spicy
$1.15 - dried baby lime beans (1 lb)
$2.19 - 1/2 gallon 2% milk
$1.99 - Crisco shortening (1 lb)
$2.50 - Country Crock (3 lb)
$1.59 - margarin sticks (1 lb)
$2.29 - Kraft Deluxe mac & cheese
$1.88 - Shur Fine Deluxe mac & cheese
$0.99 - Kraft mac & cheese dinner
$0.59 - Golden Grain Mission mac & cheese dinner
$0.23 - tax
---------
$18.65 - total


Chick-fil-A (5/1)
$18.78 - dinner out due to double school outing
---------
$18.78 - total


Natural Foods Market (4/30)
$4.39 - Natracare pads (night time)
$4.29 - Natracare pads (slender)
$3.99 - Natracare tampons (regular)
$2.39 - Endangered chocolate (Harp Seal - Smooth White Chocolate)
$2.39 - Endangered chocolate (Manatee - Milk Chocolate with Rice Crisp)
$2.39 - Endangered chocolate (Elephant - Milk Choc. w/ Peanut Butter Brittle)
$2.39 - Endangered chocolate (Rain Forest - Dark Choc. w/ Deep Forest Mint)
$1.56 - tax
---------
$23.79 - total


Sam's (4/30)
$5.05 - Tropicana orange juice (1 gallon)
$1.09 - bananas (3 lbs)
$3.88 - dinner rolls (48 count)
$5.47 - tuna (10 cans)
$5.02 - cheddar cheese (2 1-pound packs)
$2.67 - carrots (5 lbs)
$1.78 - eggs (18)
---------
$24.96


total spent - $108.40
total remaining - $111.00
tossed into change jar - $0.91

Tuesday, May 1, 2007

Expense Accounting; New Balance

Spent $10.00 at the open house at the middle school tonight. Bought K. a Spirit Pack - a bag full of school goodies with the middle school mascot on them. Took the money out of the Life Improvement fund because it improved my life by (1) getting us out of there, and (2) not hearing her whine about not being able to get one.

=========

ING savings - $85.67
EF - $330.00
personal savings - $10.00

slush fund - $24.95
Dental fund - $100.00

Disney fund - $40.00
Christmas fund - $126.50

Life Improvement fund - $72.00

Grocery Accounting 5/1 - 5/14

Chick-fil-A (5/1)
$18.78 - dinner out due to double school outing
---------
$18.78 - total


Natural Foods Market (4/30)
$4.39 - Natracare pads (night time)
$4.29 - Natracare pads (slender)
$3.99 - Natracare tampons (regular)
$2.39 - Endangered chocolate (Harp Seal - Smooth White Chocolate)
$2.39 - Endangered chocolate (Manatee - Milk Chocolate with Rice Crisp)
$2.39 - Endangered chocolate (Elephant - Milk Choc. w/ Peanut Butter Brittle)
$2.39 - Endangered chocolate (Rain Forest - Dark Choc. w/ Deep Forest Mint)
$1.56 - tax
---------
$23.79 - total


Sam's (4/30)
$5.05 - Tropicana orange juice (1 gallon)
$1.09 - bananas (3 lbs)
$3.88 - dinner rolls (48 count)
$5.47 - tuna (10 cans)
$5.02 - cheddar cheese (2 1-pound packs)
$2.67 - carrots (5 lbs)
$1.78 - eggs (18)
---------
$24.96


total spent - $67.53
total remaining - $152.00
tossed into change jar - $0.47

General Accounting - 5/1 - 5/14

PRIMARY

budgeted:
$725.00 - rent
$70.00 - water
$160.00 - electric
$87.00 - phone/DSL package
$45.00 - ING (automatic transfer)
$25.00 - emergency fund (direct deposit)
$50.00 - life improvement fund
$50.00 - dental fund
$220.00 - groceries (includes everything)
$20.00 - K. allowance
$80.00 - gas (for 2 cars)
=========
$1532.00 - total budgeted


PAID:
$725.00 - rent
$65.00 - water
$______ - electric
$______ - phone/DSL package
$45.00 - ING (automatic transfer)
$25.00 - emergency fund (direct deposit)
$50.00 - life improvement fund (taken out in cash; set aside)
$50.00 - dental fund
$48.75 - groceries to date per record
$______ - K. allowance
$______ - gas (for 2 cars)
=========
$1008.75

budgeted total: $1532.00
spent total: $1008.75

========= =========

SECONDARY
balance at $512.39 as of May 1, 2007

PAID
$51.47 - newspaper subscription - 6 months
$72.20 - car tag renewals (both cars)

new balance: $388.72

Monday, April 30, 2007

Grocery Accounting 5/1 - 5/14

Natural Foods Market (4/30)
$4.39 - Natracare pads (night time)
$4.29 - Natracare pads (slender)
$3.99 - Natracare tampons (regular)
$2.39 - Endangered chocolate (Harp Seal - Smooth White Chocolate)
$2.39 - Endangered chocolate (Manatee - Milk Chocolate with Rice Crisp)
$2.39 - Endangered chocolate (Elephant - Milk Choc. w/ Peanut Butter Brittle)
$2.39 - Endangered chocolate (Rain Forest - Dark Choc. w/ Deep Forest Mint)
$1.56 - tax
---------
$23.79 - total


Sam's (4/30)
$5.05 - Tropicana orange juice (1 gallon)
$1.09 - bananas (3 lbs)
$3.88 - dinner rolls (48 count)
$5.47 - tuna (10 cans)
$5.02 - cheddar cheese (2 1-pound packs)
$2.67 - carrots (5 lbs)
$1.78 - eggs (18)
---------
$24.96


total spent - $48.75
total remaining - $171.00
tossed into change jar - $0.25

New Balances

ING savings - $85.67
EF - $330.00
personal savings - $10.00

slush fund - $24.95
Dental fund - $100.00

Disney fund - $40.00
Christmas fund - $126.50

Life Improvement fund - $82.00