March budget is ready to go.
I applied and was approved for a new BofA MasterCard. The terms are 0% for 15 months, no balance transfer fee. I requested that $9300 of my existing $9400 AmEx balance be transferred. That leaves me with $100 to pay to AmEx in March, and then the minimum payment to the new MasterCard. I budgeted $100, but of course it might be more.
If the time comes I can no longer keep this debt at 0%, I will take a Heloc draw and finance it that way. Meanwhile, it is (oh so) slowly decreasing.
Nothing newsy here. SB and I continue to live our quiet little life in the woods; I continue to commute to the big town with 11k people and be gainfully employed.
Archive for February, 2018
Heres how it went in February.
Income - In addition to my one-time bonus, I received my federal and state income tax refunds. I filed with 1040.com this year.
Unbudgeted spending was mostly misc household items and medical supplies I picked up at Rite Aid (125.96). I bought two tickets for a community theater production (36.00), had to pay for a lost Netflix disc (15.02), paid to file my state tax return (4.95), and used up 2.76 of a 54.00 annual renewal for Allstate Motor Club. (I no longer need it).
So, all in all, not too bad. Im making progress towards my goal of building up my savings.
I will receive my one-time $2400 bonus in February. I'm guesstimating $1400 in take home pay.
$350 for concert tickets? SB and I are going to see James Taylor (squeee!) and Bonnie Raitt in June in Sacramento. And then in September, we will see the Eagles and the Zac Brown Band in San Francisco. (Vince Gil is singing in place of the late Glenn Frey). My brother and sister-in-law are also going. Possibly a nephew and his wife too, but they haven't decided. (This nephew is the son of my deceased brother). If they decide not to go, my brother will sell those two tickets to the highest bidder. Neither concert is cheap. The $350 is just for me. I'm going to pay for mine this month and be done with it.
Here is how my January budget plan shook out:
Wages - I worked some OT. I took some as pay and banked some in my Comp Time hours.
Repay NB - I was asked and chose to agree to a 2 week extension. Instead of two $200 repayments, I received one. The other should be arriving any day. I am not worried about this.
Groceries - We were eating down our pantry and so spent less than usual. It's really best to not stock up when you have very limited space, a lesson we are still learning.
Unbudgeted spending: An area which continues to be a struggle for me. $141.59. This included several meals out and a $24.99 purchase on Google Play - season 9 of Sister Wives, my guilty pleasure. It also includes $36 at a drug store for medical type supplies.
I did manage to sock $540.72 aeay in savings, in addition to sinking funds.
All in all, I'm pleased with the month.