On my daily check of the accounts I found a gas entry...not that it would hurt us...but, nice to know now...and husband forgot to tell me.
It seems the more kids we have the less we talk!
Last minute possible plans to go see my bro in GA on Saturday.....have to pack food and rearange shopping, plus gas to get there.
Husband sold two things on ebay, then paid for shipping from our checking....but he is getting paid in his paypal..somehow the math is way in his favor! But I am not really complaining, I am happy the stuff is out of the house.
(hey those were quickies...)
Archive for January, 2007
On my daily check of the accounts I found a gas entry...not that it would hurt us...but, nice to know now...and husband forgot to tell me.
I am google defficient, I rarely find what I need though I am getting better.
I was killing time and came accross a list of 100 altenate search engines and decided to try http://www.chacha.com/b, it was mentioned as having a guide. I assumed I was getting a some sort of computer program that would help narrow down the options or something.
But instead I got a live person!
I wasn't desperate for information or anything just wanted to test it, so I asked about plantains and said my husband bought one for the kids to try but I was clueless. (Cause he did)
Within seconds she brought back three recipe sites, the first of which included a discription of what it is like at each color phase (very important for a newbie like me)
I was way impressed, true I might have eventually searched out recipe plantain, but the live person understood 'new food' and all right off the bat.
I totally am going to use this way more, in fact if I can figure out how to get them on my bar instead of google I want it.
Due to some silly things I want right on my spreadsheet budget, I am having trouble copying the equations easily, and by hand is a pain, there has to be a better way.
While I work on it, I did most of it by hand to be ready, in February I plan on recording which store we go to and how often, my goal is to make it once a week for BJs (I was earlier aiming for less, but we get gas there, and we can't do that less than once a week) and every third week for the other 3. (harris teeter, aldis, and food lion)
The less you go the less you spend, and I want to spend less, though I have plenty budgeted.
Anyway I set up the form for that, so I have no excuse when I go shpping Friday-or Saturday (at Bjs and aldis, not food lion- I hope) not to fill it in properly.
Should make DH happy because the church is sponsering a food bank thing and I want him to buy some stuff for it, aldis seems like the perfect place for a tighwad to find things to donate. No offense to the recipients, but one can of corn is like another...
Though I am glad I read, oh phooey was it contrarys blog? about not all knowing how to cook? I am aiming for simple, though he list doesn't say pasta, wonder why not, posta topped with tomato sauce is way easy.
Oh well, canned fruit, veggies, and maybe meat if they have it it is.
I had this big old post about goals and how things were going and plans for February..and I lost it, the whoel thing thru one dumb click as I was switching between an IM and the main screen...
UGh I hate that.
Oh well, we have one trip to the Post office to mail some games my husband sold to add anyway. (so happy bout him selling some dust catchers!)
When he is done I will be taking that extra and transfering his portion to ING and mine writing a check for most to the church, and the remainder I so have to call the car company to see how to get it applied to principle.
I'll rewrite goals review after that.
Well not really, but I did decide to splurge yesterday and we all went to the discovery place.
We have a membership so the only cost was food.
While we were there at the end of the day we watched them set up some tables. They do this everynight or at least everynight we are there, so I sent my husband to ask what was up. He discovered a members only event. Did I mention we were members? So we stayed, and got to eat free, candy cookies and icecream, watch them destroy peeps via liquid nitrogen, a vacum, and somehow blow one up..I missed the explination, but I was there for the fire .
Then we got a first look at the new exhibit. All kinds of cool info on sugar (it is in concrete!) and taste buds (loved JC's face when the grape jelly bean turned to strawberry as she stopped holding her nose!)
There was more but we had to leave, it was past the kids bedtime, we rarely do that at all, but oh it was a great day.
total cost....16$ for dinner for 5 of us, plus the gas to drive there, not to shabby for a very full day
On a side note today we went grocery shopping and we are under budget to close out the month, and the rest of the loot burning a hole in my pocket I will call the car company today...if they arn't there i will call Monday to get it to them. applied to principle, not prepayment!
K I might be the only one to find this funny, but dude writes an article on how to lose weight, and says the actual diet he follows is weight watchers.. but he didn't pay for it...he read their patent!
Lastly, for the curious out there…I followed the Weight Watchers diet. I did not pay for the diet, nor did I go to meetings. I found out all the information about the diet on-line. The first place to look is at their patent.
course I don't recomend his tips....but I do recomend searching for a patent before you pay for the plan!
Pre kid (of course) We lived the easy life, we had checks for weeks waiting to be cashed. We frequently went as much as a month in between trips to the bank, and still spent plenty..though plenty less than most of our peers.
I remember one persons shock when my husband told him about the backlog of checks waiting to be deposited, he couldn't understand how anyone could survive without constant cash in. We couldn't understand why not....
I also worked with a few people who were in love with the 'extra check months' (paid weekly) I thought they were nice, but never really had an effect on my budget. (extra then went to pay off my husbands loans)
Now my shock is not that many live paycheck to paycheck (went thru that phase, when the money out is that close to the money in..hard to balance, but we have)
No I am shocked that we wasted all that interest! We could have paid off the loans faster, paid less interest each month, saved it in a high interest account...a CD or simply savings, anything. But no, we were too lazy to make an extra trip (or three) to the bank!
Now there is direct deposit, love that, no trip to the bank! But now that we are back on track, we have a 'cushion' for 'mini emergencies' and a roll over, to pay bills that come in before the check does (first check is first friday nowadays, first bill is mortgage on the first..) That cushion and roll over are not earning interest in ING nor are they reducing the car loan. This has to change!
Of course you know I am lazy, so change has to be easy, and painless, and no work for me. which is why we looked into ING checking, direct deposit, no delay in transfer from checking to saving..I so hope it all works out.
And I so hope that I can teach my kids painless lazy ways to save/reduce interest earlier than I learned them! I also hope I can pass on easy painless budgeting, and a sense of how to rearange when kids come.
Well since I put my budget on the computer with excell, and of course my checkbook, I also have my goals, and a couple 'counting chickens' pages.
and I am checking the bank account every day! sheeshe, this from a gal who used to balance the book once a month and fill in all the reciepts only because I had to write a check, (or three).
Now I am at the opposite end, I don't feel I finished online unless I take a peek to see if any bills that were pending came out, or if the latest paycheck posted. I soooo am rolling my eyes at myself!
So I followed a link just to see what my retirement saving should be, I know it isn't where it should be right now, but I was just curious how far off it was...
you ready for this?
According to the calculator I should be saving 139% of my yearly income (well of my husbands, since I don't make any)
err yeah, I read it again, not a typo of mine, they said 139%! Exactly how am I supposed to do that?
I also looked at the graph and it says I would make the exact same salary for the next 40 some years, at which point I will switch to withdrawing my retirement, which goes up every year....err somehow that seems backwards, wouldn't I make more as I work, and need less as I grow old? (to a point)
I am not sure what a real retirement calculations would be, but I can understand why so many don't even bother if we are supposed to save more than we make, we might as well give up and enjoy the loot while it is here!
This is not to say I don't want to save for retirement, just that calculators may do more harm than good!
You ever count your chickens before they hatch? That makes very little sense unless you have read aesops fable http://www.pagebypagebooks.com/Aesop/Aesops_Fables/The_Milkm... (that is one version of many)
So the other night I was plotting how fast we could pay off the car, and I was looking at wether or not we should drop the food bill to pay it off earlier, but well I am enjoying the luxury so much lately I am not sure I am interested in cutting back again for a few months off the car bill.
Course that is not including any future expenses that may come up (insurance rising, kids needs, minor emergencies, ect)
I also did some math, my husband says he wants to take his 15% of the leftover and store it in ING (really the man is wonderful-my 15% will go to church and family splurges) and watch it pile up, of course I know the average leftover based on 45 hours a week and of course I figured out what it would come to....silly, counting chickens.
Course there is no pail on my head to fall as I daydream, but is there a harm in it anyway? Does Aesop no best, should I keep my dreaming to myself and focus on well something more useful?
I know compared to the northern portion of the country it is snuggly warm, but we have thin blood!
I lived in cold frugal houses most of my life so I am used to it (though don't you worry I complained a plenty then!)
My poor husband on the other hand grew up with climate control being tops on the 'spend here first'category, when you were cold you turned the heat up...he hates temperatures below 70 indoor.
But cold weather brings up an irritation of mine...wear a coat people!!!! Yeah you rubbing your arms, stamping your feet, and muttering about the cold....this is what coats are made for!
And please tell me, what would you do if your car broke down and you plus your small child were stuck waiting for help? Do they have to suffer because you assumed you would get right into a car, then straight to the store?
My daughter gets carsick and is in general required to remove her coat as soon as she gets in the car, and yet I still require her to wear one, it is a lap cover when she first gets in, it is warm and snuggly from house to car to church. And should the unthinkable occure, she will be relativly warm.
Oh and as to whether it will help you stay healthy, no a coat is not a barrier to cold germs, it is however useful to keep you warm..leaving your body free to fight any germs, instead of ignoring them as your body desperatly tries to keep you from freezing to death!
new, iso, veggie/fruit
19: nothin, yep, yep
20: nothin, yep, err no
21: food only, yep, and yep
So far, you cannot pay anyone if you do not have a phone number..which makes sense, if they are going to promise to pay someone they want to be able to get ahold of them in case I type the address wrong.
Also, no paper checks, means you might have trouble when autodraft requires a voided check. So far one company says a note explaining it is an online bank will get me past it, but I have to mail the form and wait a month to see.
I think if I used bill pay that wouldn't be a problem, but I don't.
nothin, yep and yep
My husband came home today and told me ING has a checking account, that pays interest, with no minimum to recieve it.
Way cool since we always have a 'cushion' and we often have to leave money for bills that havn't cleared yet. We could be earning interest on that!
Course two things I noticed already, there is an 'overdraft credit' instead of linking to a savings account.
And transfers between ING accounts are instant! I never had a chance to test that before, but it is way cool
One thing I forgot to try..follow a link for a bonus, and see if I could choose checking instead of saving, I might have screwed myself out of 25 (and someone else out of 10) by failing to do that .
Well we have it all worked out, found all the err money, OT was piling up thankfully, but not enough, too much lax on the grocery spending. So I made excell tell me how much I spent so far this month, and how much is left from the budgeted 500 (seeing as how it used to be 400, I feel soo much freedom, and I love it)
I also made a sperate category for 'misc' which would mainly be gifts, right now if we eat out we call it food and take it from the grocery budget..so you could buy gormet nuts or you could buy lunch out.
and we are going to up the auto saving, which will actually bring us up OVER 10%!!! first for our parenting lives. (pre kid we wer rolling in loot!)
Still no allowence, but since he does work so much OT we are going to use it for paying off the car and some 'fun'. I am thinking of being anal and making it a % system, IE leftover from one month is 15% his to waste and 15% mine, remaining 70% goes to the car, course I still am not figuring how to pay the principle of the car instead of a prepay...have to call them next month (when we know how much is leftover) and figure that out.
Anyway being anal gives each of us more fun when he works more, while still having to be a budgeted amount, instead of 'I think we have extra why not splurge' (which is why the leftover in the account isn't as nice as it could be right now!)