First I started my taxes and got the bulk of it completed, just need to add in the deduction for sales tax (I bought a new car last year so I will save on that), in addition to my IRA contributions and I am done. I went to the grocery store and bought snacks and made dinner that will last me at least two days including lunch. Then I headed to the library to get some studying done. I am stumped basically on one chapter...but will review tomorrow night. Next I took a nice long nap and my brother who I hardly see stopped by for a little while which was really nice.
As far as finances goes today is the end of the month for me because payday is Tuesday so I am uploading this month's spending
My hair expense is really up there, I will start back perming my own hair which will save me an extra $40
I normally would not have nonreimbursable job expenses but I bought several dress pants and tops for my summer intern
Expense Categories
Taxes : Federal Income Tax $303.87
Insurance : Automobile $291.00
Automobile : Maintenance $281.00
Personal Care : Hair $198.00
Taxes : Social Security Tax $190.57
Groceries $161.69
Automobile : Car Payment $141.69
Miscellaneous $131.63
Job Expense : Non-Reimbursed $114.13
Clothing - Unassigned $106.85
Automobile : Gasoline $100.02
Bills : Electricity $94.05
Healthcare : Dental $85.00
Bills : Cellular $74.69
Bills : Cable/Satellite Television $71.53
Bills : Online/Internet Service $61.25
Dining Out $59.27
Gifts $54.55
Clothing : Acessories $45.50
Taxes : Medicare Tax $44.58
Bills : Water & Sewer $43.94
Sales Tax $43.03
Bills : Telephone $40.01
Charitable Donations $40.00
Personal Care : Make-up $19.00
Healthcare : Prescriptions $15.00
Hobbies/Leisure : Entertaining $11.00
Leisure : Entertaining $10.00
Healthcare : Eyecare $8.99
Household : Laundry $7.00
Household : House Cleaning $6.38
Personal Care : Hair Supply $4.99
Leisure : Newspaper $3.00
Snack $1.80
Household : supplies $1.50
Total Expense Categories $2,866.51

I have not posted in awhile so this is a long one. First of all my part-time job finally found some one for Sundays so now I am off 1 day a week Bad news is that my boss still has not paid me my vacation pay from last year, so I will be reminding him on Monday.

I was able to up my challenge a little being that I am only depositing extra cash to it and everything else is going to the cc.

Since I am now off on Sundays and am single and lonely, I decided to do something once a week on Sundays for myself. So today I went to the fair walked around a little and came home, it felt good to get out of the house. My brother actually gave me the ticket so I did not pay to get in ($15) the only thing I did was buy a drink because it was so hot and had my handwriting analyze which I thought was fun. Next week I will go to the movies since I have two free passes

Now I want to look at last month's spending not too good. My grocery bill is still way to high. School started so I had some high expense in this category
Internet service is high because I paid February's in January
Automobile : Car Payment $144.39
Automobile : Gasoline $116.61
Automobile : Maintenance $134.21
Automobile : Registration $36.75
Bank Charges : Finance Charges $5.72
Bills : Cable/Satellite Television $68.14
Bills : Cellular $73.37
Bills : Electricity $133.88
Bills : Online/Internet Service $121.80
Bills : Telephone $39.43
Bills : Water & Sewer $46.79
Charitable Donations $40.00
Clothing $53.69
Dining Out $67.43
Education : Books $33.25
Education : Supplies $2.59
Education : Tuition $831.12
Expense Categories
Gifts $29.69
Grand Total -$3,513.41
Groceries $201.54
Healthcare : Dental $196.65
Healthcare : Eyecare $7.00
Healthcare : Physician $30.00
Healthcare : Prescriptions $15.00
Household : House Cleaning $8.63
Household : Laundry $9.99
Household : supplies $10.16
Income - Unassigned $0.00
Income Categories
Insurance : Automobile $58.14
Leisure : Entertaining $29.59
Leisure : Movies & Video Rentals $12.09
Leisure : Newspaper $2.25
Miscellaneous $245.23
Facial Supplies $6.99
Feminine Products $17.08
Personal Care : Hair $135.00
Personal Care : Hair Supply $10.18
Sales Tax $16.95
School Supplies $2.66
Snack $1.37
Spending by category
Subcategory Total
Federal Income Tax $289.65
Medicare Tax $43.30
Social Security Tax $185.10
Total Expense Categories $3,513.41
Total Income Categories $0.00

Just reviewed my spending for Novemeber and in some areas I did much better while others not so good. I have to double check my 401k contribution which seems not right:

Expense Categories
401k $4.22
Automobile : Car Payment $168.60
Automobile : Gasoline $126.01
Bills : Cable/Satellite Television $68.14
Bills : Cellular $74.51
Bills : Electricity $119.59
Bills : Online/Internet Service $60.87
Bills : Telephone $41.51
Bills : Water & Sewer $43.94
Cash Withdrawal - Unassigned $120.00
Charitable Donations $40.00
Clothing $199.67
Dining Out $54.96
Expense - Unassigned $302.76
Gifts $54.84
Groceries $180.30
Healthcare : Dental $436.65
Healthcare : Prescriptions $15.00
Leisure : Lottery $1.00
Miscellaneous $450.29
Personal Care - Unassigned $180.10
Sales Tax $8.02
Snack $3.20
Taxes : Federal Income Tax $325.89
Taxes : Medicare Tax $48.06
Taxes : Social Security Tax $205.44
Total Expense Categories $3,333.57

I was so afraid to look at October's monthly spending, here it is and I went way over in almost all the categories:

Expense Categories
401k:19.44
Auto: Car Payment $153.02
Auto: Gasoline $167.88
Auto: Maintenance $32.96
Bank Charges : Interest Paid $21.8
Bills: Satellite $68.14
Bills: Cellular $149.48
Bills: Electric $341.5
Bills:Internet $121.69
Bills: Telephone $78.79
Bills: Water & Sewer 43.94
Charitable $60
Dining Out $149.83***
Education: Tuition 535
Gifts $26.65
Groceries $164.13
Dental $131.65
Prescriptions $15
Household : supplies 4.29
Movies & Video Rentals $9.99
Leisure : Newspaper $6.25
Miscellaneous $73.18
Personal Care $78.02
Sales Tax $13.93
Snack 0.65
Taxes : Federal Income Tax 363.96
Taxes : Medicare Tax 55.16
Taxes : Social Security Tax 235.9
Total Expense Categories 3122.23

Grand Total -3122.23

I have got to really stop dining out. I know, I have been singing this song now for months but it is a drug I guess. I have over come my shopping addiction but can't over come the dining out syndrome
Grocery bill is up as well, my miscellaneous is high because I let my sister borrow money, bought some ink for the printer a other non essential things; here are the numbers for last month

Automobile : Car Payment $158.48
Automobile : Gasoline $152.03
Automobile : Maintenance $451.85
Bank Charges : Interest Paid $5.04
Bills : Cable $68.14
Bills : Cellular $58.30
Bills : Electricity $148.95
Bills : Online/Internet Service $121.72
Bills : Telephone $80.54
Bills : Water & Sewer $41.39
Charitable Donations $40.00
Clothing $16.99
Dining Out $83.40
Education : Supplies $3.03
Gifts $47.35
Groceries $190.28
Healthcare : Dental $31.65
Healthcare : Eyecare $2.79
Healthcare : Physician $30.00
Healthcare : Prescriptions $15.00
Household : Furnishings $14.99
Household : House Cleaning $14.66
Insurance : Automobile $236.30
Leisure : Newspaper $2.50
Miscellaneous $252.85
Personal Care $92.37
Sales Tax $12.20
School Supplies $0.47
Snack $5.98
Taxes : Federal Income Tax $283.64
Taxes : Medicare Tax $42.35
Taxes : Social Security Tax $181.07
Total Expense Categories $2,886.31

Grand Total -$2,886.31

Here are my totals for the month, I think I am doing fairly well there are some things that needs to be adjusted:

Expense Categorie
Automobile : Gasoline $39.00
Automobile : Maintenance $5.00
Bills : Cell Phone $83.60
Bills : Water & Sewer $41.39
Charitable Donations $20.00
Dining Out $26.36
Education : Tuition $415.00
Expense - Unassigned $8.64
Gifts $5.00
Groceries $98.49
Healthcare : Dental $11.65
Healthcare : Eyecare $35.92
Healthcare : Prescriptions $15.00
Insurance : Automobile $182.13
Leisure : Newspaper $1.25
Miscellaneous $21.05
Personal Care $87.47
Sales Tax $1.96
Snack $1.00
Federal Income Tax $251.75
Medicare Tax $37.05
Social Security Tax $158.40
Total Expense Categories $1,547.11

Income
Income/Interest $3.08
Other Income
Gifts Received $20.00
Total Other Income $20.00
Refund (items returned) $142.36

Wages & Salary - Unassigned $3,284.72
Total Wages & Salary $3,284.72
Income - Unassigned $0.00
Total Income $3,450.16

Expenses

Gasoline $131.45
Maintenance $87.98
Total Automobile $219.43
Bills
Cable/Satellite Television $82.85
Cellular (paid twice) $167.20
Electricity $106.70
Online/Internet Service $122.05
Telephone $46.57
Water & Sewer $41.39
Total Bills $566.76
Charitable Donations $20.00
Clothing $116.74
Dining Out(down) $75.71
Education
Books $29.00
Tuition $240.40
Total Education $269.40
Gifts(too high) $190.91
Groceries $194.83
Healthcare
Dental $401.65
Physician $15.00
Prescriptions $56.98
Total Healthcare $473.63
Hobbies/Leisure
Books & Magazines $20.00
Total Hobbies/Leisure $20.00
Household
Furnishings $18.99
House Cleaning $2.50
Total Household $21.49
Job Expense
Non-Reimbursed $10.69
Total Job Expense $10.69
Leisure
Entertaining $76.75
Newspaper $5.04
Total Leisure $81.79
Miscellaneous $87.45
Personal Care $288.98
Sales Tax $18.57
School Supplies $0.61
Snack $4.79
Taxes
Federal Income Tax $313.03
Medicare Tax $47.63
Social Security Tax $203.65
Total Taxes $564.31
Expense - Unassigned $133.57
Total Expenses $3,359.66

Income less Expenses $90.50

I was reviewing my spending habits, I have since decreased my dining out but upped my personal spending ( seeing the hairdresser once a week at $35) Haven't did much clothes shopping which is great, but I was able to up my challenge. I don't think I will hit the $4000 mark for this month but I think I will make it to $3000. So here are the numbers:
Income/Interest $3.08
Gifts Received $20.00
Total Other Income $20.00
Refund $58.76
Total Wages & Salary $2,994.02
Total Income $3,075.86

Expenses
Gasoline $96.45
Maintenance $87.98
Total Automobile $184.43
Bills
Cable/Satellite Television $82.85
Cellular $167.20
Electricity $106.70
Online/Internet Service $61.19
Telephone $46.57
Water & Sewer $41.39
Total Bills $505.90
Charitable Donations $20.00
Clothing $116.74
Dining Out $41.57
Education
Books $29.00
Tuition $240.40
Total Education $269.40
Gifts $107.73
Groceries $135.88
Healthcare
Dental $381.65
Physician $15.00
Prescriptions $41.99
Total Healthcare $438.64
Hobbies/Leisure
Books & Magazines $20.00
Household
Furnishings $18.99
House Cleaning $2.50
Total Household $21.49
Job Expense
Non-Reimbursed $5.98
Total Job Expense $5.98
Leisure
Entertaining $46.75
Newspaper $3.79
Total Leisure $50.54
Miscellaneous $50.45
Personal Care $195.33
Sales Tax $16.38
Taxes
Federal Income Tax $294.15
Medicare Tax $43.41
Social Security Tax $185.63
Total Taxes $523.19
Expense - Unassigned $15.53
Total Expenses $2,719.18

Income less Expenses $356.68

This month that is. I did not do well at all; over budgeted big time

I did not even meet my $1000 mark for April in regards to the challenge, so for the month of May I have got to hit the $4000 mark in order to make up for April this will be tough but I think I can do it

Any how here are my totals:
Monthly income and expenses

4/1/2007 through 4/30/2007


Subcategory Apr-07

Income
Other Income
Gifts Received $18.49
Other Income - Unassigned $46.84
Total Other Income $65.33
Refund $121.85
Wages & Salary
Wages & Salary - Unassigned $3,107.88
Total Wages & Salary $3,107.88
Income - Unassigned $1.55
Total Income $3,296.61

Expenses
Automobile
Gasoline $106.18
Total Automobile $106.18
Bills
Cable/Satellite Television $81.87
Electricity $93.29
Online/Internet Service $60.52
Telephone $42.27
Water & Sewer $44.08
Total Bills $322.03
Charitable Donations $20.00
Clothing $321.50
Contact solution $2.24
Dining Out $193.60 Too high
Education
Supplies $2.00
Tuition $100.00
Total Education $102.00 [b]
Gifts $105.74
Groceries $173.10
Healthcare
Dental $11.65
Physician $30.00
Total Healthcare $41.65
Job Expense
Non-Reimbursed $29.06
Reimbursed $43.98
Total Job Expense $73.04
Leisure
Movies & Video Rentals $20.00
Newspaper $1.25
Total Leisure $21.25
Miscellaneous $49.33
Personal Care $173.82
Sales Tax $35.17
School Supplies $0.00
Snack $1.10
Taxes
Federal Income Tax $310.49
Medicare Tax $45.07
Social Security Tax $192.69
Total Taxes $548.25
Expense - Unassigned $12.73
[b]Total Expenses $2,302.73

Income less Expenses $993.88

Here are my totals so far, I guess it is not too bad but the gifts are really high...birthday's and holidays my dining out is also high as well:

Expense Categories
Automobile : Gasoline $40.01
Bills : Online/Internet Service $60.52
Bills : Water & Sewer $44.08
Clothing $90.83
Contact solution $2.24
Dining Out $53.91
Gifts $68.17
Groceries $82.97
Healthcare : Dental $11.65
Job Expense : Non-Reimbursed $5.32
Miscellaneous $36.47
Personal Care $67.94
Sales Tax $10.35
Taxes : Federal Income Tax $140.29
Taxes : Medicare Tax $21.12
Taxes : Social Security Tax $90.27
Total Expense Categories $826.14

Grand Total -$826.14

ok I went way over again on my dining out, I just can't get this under control. I also treated myself last month (clothes) so nothing new this month or the next and I also bought way too many gifts. Here are my totals:

Monthly income and expenses

3/1/2007 through 3/31/2007

Income
Income/Interest $1.44
Other Income
Gifts Received $130.00
Other Income - Unassigned $79.40
Total Other Income $209.40
Refund $122.45
Wages & Salary
Wages & Salary - Unassigned $2,693.01
Total Wages & Salary $2,693.01
Income - Unassigned $0.98
Total Income $3,027.28

Expenses
Automobile
Gasoline $69.72
Maintenance $811.06
Total Automobile $880.78
Bank Charges
Service Charge $1.50
Bank Charges - Unassigned $1.00
Total Bank Charges $2.50
Bills
Cable/Satellite Television $68.14
Cellular $136.41
Electricity $97.81
Newspaper $1.25
Online/Internet Service $60.52
Telephone $39.94
Water & Sewer $41.39
Total Bills $445.46
Charitable Donations $40.00
Clothing $203.59
Dining Out $81.45
Education
Fees $5.00
Total Education $5.00
Gifts $101.69
Groceries $227.24
Healthcare
Dental $676.65
Eyecare $41.89
Prescriptions $15.00
Total Healthcare $733.54
Household
Furnishings $3.19
Laundry $10.00
Total Household $13.19
Insurance
Automobile (3 months) $182.13
Total Insurance $182.13
Job Expense
Non-Reimbursed $13.70
Total Job Expense $13.70
Leisure
Books & Magazines $3.99
Entertaining $20.00
Newspaper $2.50
Total Leisure $26.49
Miscellaneous $139.31
Personal Care $216.34
Sales Tax $42.02
Taxes
Federal Income Tax $252.80
Medicare Tax $39.06
Social Security Tax $166.97
Total Taxes $458.83
Total Expenses $3,813.26

Income less Expenses -$785.98

Wow I have been spending like crazy, I have got to return some of those things I bought over the weekend no later than Thusday. I was looking at my spending for the month and I already went over my budget of $43 for dining out by $10, gift total is high so is clothing I just can't believe all the money spent...at least I can slow it down before the end of the month

Expense Categories
Healthcare : Dental $365.00
Personal Care $168.36
Taxes : Federal Income Tax $130.28
Clothing $124.78
Miscellaneous $109.04
Groceries $108.84
Taxes : Social Security Tax $85.78
Bills : Cellular $73.77
Bills : Online/Internet Service $60.52
Dining Out $52.81
Healthcare : Eyecare $41.89
Bills : Water & Sewer $41.39
Gifts $33.36
Automobile : Gasoline $30.72
Taxes : Medicare Tax $20.06
Charitable Donations $20.00
Leisure : Entertaining $20.00
Sales Tax $18.25
Healthcare : Prescriptions $15.00
Household : Laundry $10.00
Job Expense : Non-Reimbursed $8.67
Bank Charges : Service Charge $1.50
Leisure : Newspaper $1.25
Bank Charges Atm fee $1.00
Total Expense Categories $1,542.27

Grand Total -$1,542.27

I have really got to get my dining out to a science I eat out wayyyyyyyyy too much:

Here are the totals

Expense Categories
Bills : Student Loan Payment $787.93 Paid in full
Miscellaneous $691.79 loans to family
Education : Tuition $357.70
Taxes : Federal Income Tax $193.88
Groceries $161.15
Personal Care $154.74
Taxes : Social Security Tax $120.89
Gifts $115.36
Bills : Electricity $99.45
Healthcare : Eyecare $99.00
Automobile : Gasoline $96.57
Dining Out $93.12
Clothing $80.88
Bills : Cable/Satellite Television $65.87
Healthcare : Prescriptions $61.99
Healthcare : Physician $60.00
Charitable Donations $40.00
Bills : Telephone $38.78
Taxes : Medicare Tax $28.29
Job Expense : Non-Reimbursed $28.14
Sales Tax $20.48
Household : Furnishings $17.29
Healthcare : Dental $11.65
Household : Laundry $7.58
Job Expense - Unassigned $6.94
Leisure : Newspaper $0.99
Total Expense Categories $3,440.46

Grand Total -$3,440.46

Reviewing my spending for the month and my dining out bill has jumped. I really have to work on this, we are not even at the 15th yet

Expense Categories
Automobile : Gasoline $20.01
Charitable Donations $20.00
Dining Out $18.90
Gifts $2.00
Groceries $37.14
Healthcare : Eyecare $99.00
Healthcare : Physician $30.00
Healthcare : Prescriptions $15.00
Household : Furnishings $16.29
Job Expense : Non-Reimbursed $13.49
Miscellaneous $40.55
Personal Care $36.27
Sales Tax $4.24
Total Expense Categories $352.89

Grand Total -$352.89

here are the totals for the month of January...not too bad, I am glad I got my dining out down a bit, but still high

Total deposits:
Challenge/home $510.92
Car account $65.34
tuition account $64.00


Expense Categories
Automobile : Gasoline $88.08
Automobile : Maintenance $225.08
Bills : Cable Television $67.87
Bills : Cellular $140.25
Bills : Electricity $132.90
Bills : Online/Internet Service $60.52
Bills : Student Loan Payment $97.10
Bills : Telephone $38.02
Bills : Water & Sewer $46.77
Cash Withdrawal - Unassigned $300.00
Charitable Donations $41.00
Clothing $198.83
Dining Out $71.43
Education - Unassigned $1.97
Education : Books $179.63
Education : Supplies $5.77
Education : Tuition $357.70
Expense - Unassigned $0.11
Food $5.00
Gifts $35.00
Groceries $148.10
Healthcare : Dental $11.65
Healthcare : Eyecare $11.94
Healthcare : Physician $30.00
Healthcare : Prescriptions $15.00
Household : House Cleaning $5.14
Job Expense : Non-Reimbursed $10.25
Leisure : Newspaper $4.23
Miscellaneous $235.81
Personal Care $77.29
Sales Tax $30.15
Snack $0.60
Taxes : Federal Income Tax $385.03
Taxes : Medicare Tax $57.22
Taxes : Social Security Tax $244.70
Total Expense Categories $3,360.14

Grand Total -$3,360.14

I was reviewing my spending for the month, once again I am over on dining out and clothes

Income
Other Income
Other Income - Unassigned $22.21
Total Other Income $22.21
Refund $151.97
Wages & Salary
Wages/Salary Unassigned $1,295.20 1,295.20
Total Wages $1,295.20
Total Income $1,469.38 $1,469.38

Expenses
Automobile
Gasoline $58.08
Maintenance $222.58
Total Automobile $280.66
Bills
Cellular $75.52
Online/Internet Service $60.52
Student Loan Payment $56.00
Total Bills $192.04
Charitable Donations $21.00
Clothing $98.71
Dining Out $43.54
Education
Books $92.25
Supplies $5.77
Tuition $357.70
Education - Unassigned $1.97
Total Education $457.69
Gifts $15.00
Groceries $62.58
Healthcare
Dental $11.65
Eyecare $11.94
Prescriptions $15.00
Total Healthcare $38.59
Household
House Cleaning $5.14
Total Household $5.14
Job Expense
Non-Reimbursed $10.25
Total Job Expense $10.25
Leisure
Newspaper $2.25
Total Leisure $2.25
Miscellaneous $149.11
Personal Care $47.51
Sales Tax $20.07
Snack $0.60
Taxes
Federal Income Tax $117.06
Medicare Tax $18.79
Social Security Tax $80.30
Total Taxes $216.15
Expense - Unassigned $14.14
Total Expenses $1,675.03

Income less Expenses -$205.65

I just went over my spending for December I was a little afraid but here it is...way too much on clothing,gifts and dining out, not to mention taxes. But at least the cc's are paid off and I can really start saving. Next I will look at my spending for the year also my misc. expenses are high because I had to lend my sister, friend and nephew some money
Category Total

Income Categories
Other Income $30.21
Refund $426.52
Reimbursement $200.00
Wages & Salary $4,222.50
Income - Unassigned $1.55
Total Income Categories $4,880.78

Expense Categories
clothing/accessories $30.58
Automobile $132.00
Bank Charges $10.48
Bills $488.78
Charitable Donations $50.00
Clothing $328.00
Dining Out $135.13
Gifts $350.98
Groceries $99.63
Healthcare $26.65
Insurance $207.44
Job Expense (non reimbursed) $3.73
Leisure $2.50
Miscellaneous $532.06
Personal Care $162.43
Sales Tax $51.27
Snack $0.99
Taxes $842.36
Vacation $100.00
Total Expense Categories $3,555.01

Grand Total $1,325.77

I have not done too well this month and I have not even came close to my X-mas shopping here are the totals:

gas $27
Cell $68.15
internet $60.42
tithes $20
dining out $47.67
gifts $63.83
car insurnace $207.44
misc $173.43
personal $4.65
sales tax $10.66

I did ok for the month of November other than eating out and clothing, I did a little better:

Category 11/1/2006 -11/30/2006

Income Categories
Wages & Salary 2,076.40
Refund 23.97
Income/Interest 0.52
Income - Unassigned 1.61
Total Income Categories 2,102.50

Expense Categories
Taxes 345.47
Sales Tax 19.31
Personal Care 69.58
Miscellaneous 224.38
Loan 40
Leisure 14.5
Job Expense 2.19
Insurance
Household 9.08
Healthcare 32.03
Groceries 153.34
Gifts 24.17
Expense - Unassigned 115.77
Education 5.66
Dining Out 106.28
Clothing 223.26
Charitable Donations 40
Bills 495.02
Bank Charges 35.68
Automobile 108.92
Total Expense Categories 2,064.64

Grand Total 37.86

I decided to review my spending for the month and it was not good. I really splurged this month and we still have two more days to go

Gas:$82.36
CC Interest: $48.87
Cellphone $172.90 ( replacement phone)
electricty $162.87
Internet $23.41
Student loan $40
Telephone $39.31
water $43.08
Tithes $40
Clothing $85 (bookbag)
Dining $92.15
School Supplies $1.57
Gifts $28.62
Groceries $170.55
healthcare $51.65
Home supplies $9.90
misc $241.80
Personal care $28.81
Job exp (non refundable) $2.99
leisure $66.89 (software)
sales tax $7.29
Federal, SS, Medicare taxes: $456

Total $1966.09
Total income: $2826.34
Differnce:$860.25

Oops I forgot I paid a total of $1458.31 towards my cc

went through bills and balanced out my account and notice I forgot to transfer some funds to the challenge But that is ok because I did find my errors and balanced my accounts. However, for the month I went crazy just spending...looks like I am slowly but surely going back to my old ways in which I need to address ASAP especially since I was doing so well all year with minor errors.
thus far this month:
Misc $133.85
Gas $43.34
Cell: $120.55
Water $43.08
Groceries $64.99
Dining Out $49.61
Tithes $20.00
Extra on Student loan $20
Credit card payments: $217.26
Leisure $63.89 ( Norton Software)
Sales tax $3.32

Gas:$113.01
Car Maintenance: $300
Electricty: $163.28
Student Loan: $28.00
Auto Ins :$207.43
Cable: $65.87
Telephone:$40.75
Cloting $33.98
Dining Out:$41.06
Gifts: $47.77
Healthcare:$32.64
Personal $26.59
Cleaning Supplies:$14.10
Groceries:$180.04
School Supplies: $19.16
CC Payments:$383.65
Job exp (not refunded)$18.38
Misc:$848.48
Sales Tax: $65.86
Interest on CC: $58.34

Well I did get my notenook, which did it in for me regarding miscellanous spending and going back and forward to school boost my gas spending. Overall for the month I spent a lot more than anticipated I'll have to be really frugal for October

I am checking my mid month total and it is not too good but not too bad either:

Gas: $57.00
Groceries $98.01
Cleaning Supplies $14.10
Car Maintence $300
Clothing $33.98
Dining out $29.90
Gifts $24.41
Health care $22.64
Misc $817.03 (including notebook)
Personal Care $5.92
sales Tax $58.65
Total $1460.74
The misc items $600.00 of that was for a notebook it wasn't a need so I included under Misc

Ok it is the end of the month for me so I have to tally up all my spending and savings. We did get our pay stubs today, my check won't be deposited until Thursday but I prepaid everything online for Friday's date 9even bills due next month) to be on the safe side. I am just looking at transactions that are important to me so here we go:

Total wages for the month before taxes $3626.27 and after taxes $3326.65 (?) this is what my MS Money shows

This month and last Month
Gas: $136.65, $121.05
home Exp: $894.49 , $188.98
Tithes: $60.00, $21.00
Clothing: 00.00 , $9.50
Dining Out: 36.07 , $43.81
Education: $874.48 , $00.00
Gifts: $11.35 , $33.10
Groceries: $192.29, $207.31
Healthcare: $129.98 , $221.65
Cleaning Sup: $25.60, $.87
Misc: 22.05 , $45.49
Personsl: $35.60 , $43.36
Leisure: $4.75 , $8.24
Hurricane Sup:00.00 , $9.88

CC debt: $1324.21
total savings$450.00

Until the end of the month that is. I was looking at my total spending and I am a little surprise but here we go:
Gas: $107.69 down by $13.36
Car Maintane: $3.19
Cable: $91.74 up $51.74
Celluar:$159.54
Electricty: 167.43
Home phone:$41.45
Water & Sewage:$40.39
Charitable donations : $40.00
Dining out: $19.71
Education/school:$800.26
Gifts:$9.85
Groceries: $169.76
Healtcare:$119.09
Personal Care:$35.60
Leisure: $3.50
Sales tax;$8.40
Household:26.49
Misc:$19.05
Can't wait until the end of teh month to see how I do

Gas: $35.00
Bills:$370.36
Cable
Phone
Water & Sewage
Electrcity
Tithes: $20.00
Dining out: $19.71
Education/tuition: $370.10
Gifts:$9.85
Groceries:$39.28
Healthcare:$40.00
Eyecare
Prescription
Cleaning Supplies: $5.25
Job Exp:$.89
Leisure:$1.25
Misc: $3.10
Personal Care:$7.65
Sales tax: $2.74
Total: $925.18

Taxes:
Federal Income tax:$97.41
Medicare:$14.49
SS:$61.96

total:$173.86
I am very pleased thus far with the grocery bill

Today is July 31 and I must say I think I did pretty good this month, here are my totals:

Total income $1829.58

expenses
Gas:$121.05
Bank Charges: $133.00 my mistakes
Interest Paid (cc) $77.33
Fixed Bills:$118.98
Charitable Donations:$21.00
Clothing $9.50
Dining Out $43.81
Gifts:$33.10
Groceries:$207.31 ;( I did not use coupons
Healthcare/insurance: $221.65
Household Cleaning/laundry:$18.70
Hurricane Supplies:$9.88
Job exp (non Reimburse) $5.99
Leisure: $8.24
Misc: 30.54 this is way down
Personal Care $43.36
Sales Tax: $9.52
Federal Income tax: 164.32
Medicare: $25.64
SS $109.66
Total: 1482.58

Income VS Spending Difference: +$397.08
So some things I went over but a lot of things were cut. Atleast I have funds saved

looking at my spending habits it seems a though I get really lazy at the end of the month and start dining out a lot more, but so far I have done pretty good for this month:
So here we go:

misc: $20.5
personal care:27.10
leisure:3.75
home expenses (cable,phone etc)$145.90
Gas: 77.04
Dining out: 30.23
Groceries: 149.98
Gifts: 33.10
Healthcare: 221.65 (100.00credit)
Hurricane Supplies: $9.98
I think I did really well this month, especially with the dining out. I still have a few bills to pay but I am happy

I am so glad the month has ended. Bills are paid and I was able to send off another extra $125.00 on CC 2
I also added about 16.00 to the challenge today bringing my new total to $220.80(I met my $100.00 goal this month . Taking a look back I was able to cut down on eating out, that is always good news.
As I look back I did pretty good this month, 3 cc's paid off and 1 student loan

Misc:$121.76
Student Loan: $280.07 (paid in full)
Groceries: $162.79
Gifts : $67.08
gas: $50.01
HUrricane Supplies: $41.39
Clothing:$46.11
Home bills (cable, Cell, etc) $509.84
Tithes: $60.00
Dining out $91.80
Healthcare: $21.65
Leisure:$34.51
Personel: $69.26
So all and all I did pretty good