Well my new boss (J) has come to the party, he realized that our old boss (D), is a nut.
He came into our office complaining about her. Smh. It's sad because J is a super great guy, very knowledgeable but once again, D can make you feel little. I'm praying that J stays but something tells me that if D continues on the path that she's on, he'll be gone.
I've been applying for jobs, but honestly, I love what I do and the people I work with, it's just D. She was promoted, not due to her knowledge or lack of, but who she knows. Sad, just sad.
On a financial note, we went out to happy hour/dinner at Bone Fish yesterday. I had the $15.99 meal with a $3.50 drink, total $19.49, plus $5.51 tip. Oops I did not calculate the tax. I was going to treat my colleague but I thought about my envelope and spending the $25 I had already accumulated, it actually annoyed me, so I opted out. Dave Ramsey was right, when money leaves you it hurts.
Today we all went to chili's and I spent another $20, thank goodness for my budget envelopes. Even though I'm within my budget I hate spending money eating out. I told the girls that was it for me.
So I'm updating my spending spread sheet and balancing my accounts. I realize I have $66.68 in my checking account that I have for fun. So I transferred $30.68 to EF, that's for baby step 1. I would have transferred all funds but I like leaving a little something in this account.
Ive signed up again for Dave Ramsey's FPU. I'm really enjoying the class and need that extra support
Viewing the 'Dining Out' Category
Well my new boss (J) has come to the party, he realized that our old boss (D), is a nut.
Things have been a little low key today.
Super busy at the office, one fire after the next. One of the girls offered to take me out for happy hour, she knows that I'm on a strict budget. Even though I budgeted $100 for dining out and entertainment for two weeks, I still said no. I didn't not want to spend my money on eating out. Dave Ramsey is really working on me. My co-worker insisted and stated she would buy so I finally said okay.
Upon arrival to Chili's 🌶 I ordered from the bar menu and ordered fries, a drink and wings, total about $17. I offered to pay for my meal, she insisted that I do not, so I left a $5 tip. I'm things worked out the way they did because I still have $95 to last me until next Friday. 😃
After leaving chili's I filled up my car 🚗, $27. I'm hoping that this last until next Thursday because I only have $20 left in this week's budget for gas ⛽️.
I've completed my zero balance budget for the next pay date. Things will be tight. I have a wedding (gift 🎁), two birthdays (🎁); Halloween 👻(🎁) Boss' Day (🎁) and refill on contacts. Because of all these up coming items that cost money, I had to cut some things short. For example, my dining out/ entertainment and saving contribution amount was decreased 😢.
Since I'm all about saving, I did a little research and found a cosmetology school that provides pedicures for $10 vs the usual $20. I'm going to give them a try.
Lastly, I have a phone inter tomorrow. I love what I do now and the people I work with, but the director of the department makes things extremely difficult.
That's all I have for now.
So I usually pack my lunch because one, I can't afford to eat out every day, two I like my quiet time to read up on a few HR things and Bible study, three it's expensive to eat out.
So my boss comes and says the team is going out to lunch and she'd like to take me out for my birthday. I declined respectfully and explained that I had already plugged in my crockpot lunchbox. She insists and so does other teammates, so I say okay. We get there order, and the waitress comes and ask if the checks are separate. My boss who was taking me out to lunch says yes.
😡 Now I'm annoyed. First you said you wanted to take me out, second I had already packed my lunch and two we spent our lunch wolfing down our food because you're in a hurry, not to mention she didn't eat any of her food and complained the entire time. Ugh
Lunch was $14 but I added $5 for a tip costing me $19. And because I had not budgeted and any time I do this I pay the same amount on my CC. Ugh. $40 I really didn't want to spend and it was rude.
Twice this week I've been bamboolzed and it won't happen again.
Next time I pack my lunch, I'll be eating my lunch.
Happy New Year everyone! 🥂🍾🎆
Today was a little busy for me. Went to church, then off to find a belated Christmas gift for my boss, cleaned my car, meal prep and grocery shopping. I really wanted to get my shopping out of the way so that I could have a no spend day tomorrow but I forgot to get gas.
Church was awesome, it's been a while since I've been the first Sunday of the month, let alone the year. Unfortunately, things are tight so I was only able to make a $20 donation.
From there I headed over to Michael's, I wanted a new planner but just couldn't bring myself to spend over $30 on one. I would have had to purchase the binder, that was $20, the calendar another $5, plus other things I wanted like the meal plan, and fitness items. Just not worth it.
I was going to go to Bed Bath and Beyond but decided to head to the Christian bookstore to get a gift for my aunt ($7). While there, they had a lotion/bath set at half price for $10 so I picked this up for my boss. Not bad. Though I hate gift exchanges we had one at the office, the boss was on vacation so I made out like a bandit by waiting. Oh yeah and I found a lovely planner for $10.
From there I ended up buying a sub, ugh. Cost me about $10 with a drink and chips, needless to say because I ate out, I had to also pay $5 on the CC and add $5 to my savings. I figured, if I had the money to eat out I should have the money to pay down debt and save.
Once home, I created a meal plan for the week. From that I went grocery shopping ($64), I'm hoping to stay focus and keep up with my meal planning.
Lastly, I washed my car myself, costing me about $6, saving me another $6 so I'm adding the $6 saved to debt reduction and savings.
I know when I blog I stay on track, I hate when things throw me off, when that happens I stop blogging and start spending. Have to stay focus.
With that said, I'm trucking right along. The BF took care of my car's oil change and filled me up. I didn't ask how much he paid, but I estimated about $60 for everything. So I added the $60 to my $20/52 Week challenge. New total $2,082.26. I'm so happy.
Dad and I will be running errands and he usually give me a $100 on the days we do this. Even though I tell him he don't have to he always do. He says he'll rather give it to his kids than other people who will sure enough take it.
I splurged and had McDonalds for breakfast $3.60 so I paid $3.60 on the BoA credit card, I figured if I have extra to eat out then I have money to pay down debt.
Lastly, we are getting our security cameras installed. It saddens me that we are in an age where Big Brother always have to be watching. Awful
Went out to lunch with an colleague and spent $20 so I decided to pay $20 on CC1, how I see it if I can eat out I can pay extra on the CC.
New total $1000
Friday was pay day and all my bills were paid and for some reason I found myself with an extra (about)$700. I could not figure out why. But I soon realized, duh you no longer have a car payment, that saves you about $400.
I was so tempted to go shopping, it was like fighting off an addiction. Instead, we went to the museum. I was a little annoyed because I could not find my free entry pass but the clerk gave us both student discounts saving us $14. I'll pay this amount on the CC challenge. I must say the exhibit was really nice.
Also I had a $25 gift card to Brewzzi's so we went there for dinner. Needless to say we won't be going back. Dinner came to $68. We had a side salad, burger, fries, and cocktail. I thought that was way too much. Looking at the menu the food wasn't expensive but they killed us on the drinks, something I didn't catch. All in all it cost me about 47.00 with a tip. I look at it this way we had a nice time out for about $60 something we hardly do and I didn't blow the $400+ on shopping.
Next I went to my dad's who gave me $50, for no reason. He does that from time to time. So I guess you can say I made out like a bandit.
Friday night I was drained , I hit Wal*Mart up for a few personal items, came home and crashed. Yesterday, I went to the dentist spent $100, which I will get back from my FSA, got 1 set motor mounts installed ($25.00), cleaned my pool, and then date night with th BF to the Improv, which was a disaster.
Regarding the Improv, I personally did not want to go but I must admit that it was a nice outing at first . There were three couples, usually when I go out with other couples the bill is split amongst the couples. Well the bill came and I made the comment to my BF to simply split the bill, long story short he was upset because the bill was $191 and he paid $80 which was more than the three way split. But what frustrated me was he was trying to blame me. Huh? First of all I did not want to go. Second of all if you didn't want to split the bill you ask for a seperate bill, secondly if you had split it three ways it would have been $63 or you could have simply paid for us which came to about $50 with tip. If you can't open your mouth then I feel like you wanted to spend the $80. His reasoning for spending the $80, well his cousin gave $80 so he did which left the couple who ate the most with a $31 bill and if I'm not mistaken their bill was about $80+
Moving a long, just needed to vent. Today I went to spin class which was awesome! I bought a gel seat for the bike and felt so much better, I cleaned my room which was a must, washed and colored my hair ($35 saved) and now I'm getting ready to fill my car up and vacuum the inside. That will be it for me.
Wednesday we leave for our trip to Alabama and I made it clear I'll pay for the room, BF will pay for the rental car.
Wow now I understand what a championship fight feels like. I am on my way to a TKO. Just paid $200 on CC1 and the balance is now about $250. I think by time I get paid again it will be paid off, or knocked out. Lol
I can't believe it's not quite a week yet, and I've knocked off about $300 plus what ever interest I would have paid on this CC. I am really feeling great.
On a different note, I've been using my crockpots and dinner has been delicious not to mention cost effective. So far I have added 12$ to my challenge/EF. Brining my total saving close to $1100
Things are looking great. Now I am just hoping I receive my GC from BCBS before my trip next week.
I fell off the wagon, about $65 in dinging out this weekend.
$43 for dinner with cousin and BF
$12 for breakfast and dinner today
$6 for breakfast yesterday
The bad news is the $43 and $6 came out of my leisure fund so I have cleaned that out for the month but on a positive note I had the money.
$12 was not in the budget so $12 was added to my challenge for dining out.
This was the wrong month to spend my leisure fund so quickly and foolishly
Just redeemed my cash reward from BoA for $37.50
Once received I'll add $12.50 to this amount and give the cash to my BF daughter as a Christmas gift.
I had Panera's today at a whopping $14.58, I bought dinner and lunch. After my purchase I felt really guilty. I used my BoA card to earn the points and paid the bill as soon as I got home.
I also missed the gym tonight so $2.00 was added to my challenge.
I just checked my account I have about 5 months left and I'll be car payment free.
That's my day in a nutshell
Yep, dinner came to $42. Thank goodness there were left overs. The BF and went to dinner last night, it was my turn to treat, the money came out of my fun account so I don't feel too bad but yet and still I feel like this was a waste, so $42 added to my challenge/emergency fund.
Even though, the money spent was monies set aside for things like this, I feel like I wasted $42. I think since I have started back blogging about my finances, well matter fact I know, I hate wasting money. Period!
I am so mad, I spent $18 today on dining out. $3 for breakfast then $15 for lunch all because I didn't hit the grocery store but it won't happen tomorrow. To end on a good note $18 was divided up among accounts for the challenge, $9 on the CC, $4.50 towards house fund and $4.50 for my personal account. I really hope I receive my mileage check tomorrow that would be great
I'm really glad I decided to start blogging. Yesterday was a no spend day so I added two dollars to my CC balance. Today I had breakfast at home so $2 was paid on CC. Now I just had my lunch (homemade) $1 was added to Cc and $1 to saving. At this rate I should have my debt lowered a lot
First I realized there wasn't any eggs in the house so I bought breakfast ($1.07) then what was suppose to be lunch from my job, turned out be sucky so I had to buy lunch ($5.37). On a good note, I added $6.44 to my $20 challenge--matching what was spent on breakfast and lunch plus another $1 for going to the gym today.
I cashed in my change in my piggy bank, $67.87, this was added to my EF
All in all it wasn't too bad today
Today was to be a no spend day, when I woke up to make a grill cheese for breakfast there was no cheese and I was cutting it close for work. So I had to stop and pick up breakfast which cost me $2.61. Then I was dying for thirst and only packed one juice bottle for work and ended up spending $.75 for a soda arrrgghhhh
So $3.36 went towards CC debt and $.64 towards my savings (rounded up the change)
All in all $4 went towards my challenge. Plus today was payday and $75 went into my savings.
Looks like as long as I am blogging I am saving
Almost had a no spend day but I just had to have a cheeseburger and fries
The damage $2.08; therefore, $2 was paid on the cc (part of my $20 challenge)
hmmmm just wondering why I fell off track, just hope I have learned from my mistakes.
Here are today's numbers:
Bills : Electrcity $124.92
Dining Out $5.75
Sales Tax $0.54
Grand Total -$146.74
Since I ate out today, $6 went towards my $20 challenge (the debt portion) and .19 cents towards the savings. This was the change after I rounded up to the nearest dollar
Just went and got my free meal from KFC which was great, I tasted a small piece and am saving the rest for dinner tonight.
$18.88 was what I spent today on a large pizza and tip. I took lunch today but the rice I brought was terrible and by 4:30 I was starving. So I ended up buying a large pizza for the office. There is one girl who doesn't eat meat and since I'm paying I bought what I like which was pepperoni. Well she has this bad habit of picking things off and leaving it for some one else eat or simply picking over things. But I told her today; do not do that, take a slice and what ever you don't want trash. I know, we are wasting food but I do not want to eat on what she has touched, it is a peeve of mind. Needless to say she was ticked off and didn't have any, fine with me because now I have some left for lunch tomorrow.
On a different note I got about 45 minutes of studying today, tomorrow I plan on being at the library for a few hours.
I also found out today that my friend who passed away yesterday was going through a possible divorce and having a lot of trouble. They are contributing her death to stress, so sad. I pray for her family
Today wasn't a bad day, I found my ring, had lunch and breakfast at home, got my $28.34 from DollarInbox and went to class which was just an hour long. But the bad part was I had Mcdonald's on the go for dinner (woke up late for class) spending a little more than $3 so I doubled this amount and added it to my cc challenge. On a different note when I was feeling down about being single (still am ) I met this guy yesterday who I am really not into but it is ok to have some one to talk to once in a while. I guess it's the holidays that drive me into this depressing mode. With V-day approaching I guess I just went down hill
Today was a good day, I had to work but it wasn't slow and time went by very fast. Next I went to Macy's to use my $25 GC, I needed a sweater for work, so I saved $22 and then I hit the library and got about 2 hours of much needed studying in. I packed my lunch so that I wouldn't buy any thing but in the end I really wanted a cheese burger from McDonald's, now I did have my lunch but 2 hours later the cheese burger won (.95 cents)
I am really committed to brown bagging my lunch and having breakfast at home. Today I just did not feel like packing lunch and thought hmmmm I do not have anything to pack for lunch. Then I thought you have to be kidding me
I thought you have every thing there is to make a sald, plus I took a grapefruit as well as other fruits and snacks
Long story short I stuck to my guns and had breakfast and lunch at home No need in wasteful spending
Today was my birthday and I had a ton of emails wishing me a happy birthday...sites like Mypoints, Macys, Coke rewards and even saving advice. I thought it was neat because of all the emails I got this is the only site that didn't want me to buy anything
My mom and I went to dinner, my treat and TJ Maxx home good store and I did not buy a thing. Mom on the other hand picked up some things I used the cc but she paid me as soon as we got home, which I knew she would
I also finished up one of my projects for school so that was a plus and watched a great Lifetime movie
I paid $1.06 on my cc/challenge and picked up my check from my sister, whew glad that is over
Dining Out $14.56
Misc(mom purchase) $13.97
Gifts(dinner for mom)$14.56
Sales Tax $1.01
Total Expense $51.94
All expenses were put on the cc for point but as soon as I got home I paid it
Well my winning streak for not dining out ended today. Came home from work to have lunch and mom decided she wanted my turkey and left me enough for a half sandwich I'm not annoyed that she had it only annoyed that I'm the only one who ever buys it.And Boar's head is not cheap. Anyhow I was starving and heading to gym so I stopped at McDonald's and got a kids meal costing me $3.30 so $6.60 was paid on the BoA cc/challenge.
Today was the first day of class which I'm happy with because the instructor seems to be really nice and I'm closer to graduation. The only problem was the book cost me $167 arrrrgh. I emailed the instructor prior to class for the ISBN number and never got a response so I had to buy it today. But I am really considering copying the first few chapters and ordering online, the international version for about $40 plus shipping
I always buy international books which are the same material but are in black and white...like who cares, but we'll see
Added my weekly deposit of $10 to the challenge. I have about $20 to last me until next Friday and I am really trying not to transfer any funds from other accounts. Also I have had breakfast, lunch and dinner at home for the last two days but haven't been able to add to my challenge so all in all I'm doing ok about not spending any money
Almost went to Sonic for burger and fries but changed my mind and decided to make a salad. Just hope I can keep this up
Have to go to the gym later, my shoulder is so sore. I normally do not work my arms and chest are but I did the other day and now I am paying for it
I was upset because I left my lunch at home and then I remembered I had a GC for Sweet Tomatoes so the only thing lunch cost me today was .49 so I added $1 to the cc debt for dining out and $7 to my challenge house fund because that is what I would have spent had I not had the gift card
I was doing so well these last few weeks and today I forgot my lunch, arrrrrrrrgh
So now I have to buy lunch which burns me
In addition, I had breakfast at home so rather than adding my $2 for not dining out I was only able to pay $1 towards my challenge/cc debt because money is really tight until the next pay period
I also had to cancel my oil change and tire rotation but that's ok because I have a little more than a 100 miles to go before I actually need to take care of this
I decided not to bring lunch today because the boss always take who ever wants to go out for lunch, well today he decided he was going out with an old friend so I had to buy lunch Cost me $5.17 so I added $10.34 (matched the amount spent) to my challenge/cc
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