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Archive for September, 2015

Extra boost

September 13th, 2015 at 10:24 pm

My paycheck on Friday included the money for some extra hours I picked up last month- $190 after tax. Right now the student loan stands at $9,546.50 before that payment. Should be able to get under $9,000 by the end of October!

Spendy August, Meal planning

September 1st, 2015 at 07:22 pm

The budget totals for August are in and they're ugly. I blew way past my $350/month general spending cap at $588.83. This wiped out the "cushion" category and cut into the parking category as well. Unusual expenses this month included

About $45 in medical costs (visit and prescription copays, dressing supplies)

A friend came from out of state and stayed with me for a few days. I treated her to a couple meals out because she had to buy a train ticket down, which has worked pretty well for us in sharing the cost of visiting. Also got some snacky groceries to keep around the apartment while she was here that I don't usually buy. It's rare that we have any matching days off to visit, so this was totally worth it.

Another close friend got married in August, so that meant traveling out of state, extra gas costs, etc. I wore a dress I already had, so no extra spending there. Again, totally worth it.

Some long stressful days at work that ended with me buying dinner there after only bringing a lunch. This is an area for improvement.

I worked a few hours on a side job this month, but since payments are very slow from these projects, I just count them as snowflakes when they actually show up in my bank account.

Won't post the whole boring spreadsheet, but I have $140.88 to send to debt repayment after balancing the budget, in addition to the $50.50 already sent in from the utility and internet category earlier this month.

It's time to get back on track for September. Today I need to clean out my kitchen/fridge and make a menu plan to limit waste and eat from the pantry. Otherwise it was a low key day off- chores, lots of paperwork for my job (can do online), studying, writing a letter, taking a walk with a friend and catching up.

Meal options from a preliminary look at the pantry:
Halushki (a cabbage and noodle dish, delicious. I make it without onions from personal preference) Have a large head of cabbage that will make several meals
Stirfry with noodles
Vegetable fried rice (have some seasoning mix packets to use up)
Cereal with milk
Potato-lentil Indian curry
Grilled cheese
Frozen bean burritos
Samosas (use crescent roll dough and fill it with a mixture of spicy garlic mashed potato, peas, garlic, ginger, and Indian spices)

I also moved an extra $100 from the emergency fund to my Roth when I saw how low the market had dipped- love when the stock market goes on sale! As I've mentioned before, my EF is actually higher than it rationally should be, so it's a good thing when I bring myself to put some of that cash to work on investing or debt : )