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Archive for July, 2017

Budget maintenance and some spending

July 27th, 2017 at 11:20 pm

Did some calling around and decreased my phone bill by about $8 by removing insurance I don’t need on my 5 year old phone (I buy these in cash when they need to be replaced since I found out the “free” phone on most plans is just billed to you in monthly installments). I also bought a router/modem for $100 that will remove a $10/month modem rental fee from Comcast- wish I’d done this years ago, it would already have been so cost effective!

Disputed a fraudulent $99 charge I noticed this week successfully- it pays to read your statements!

Today I got out of work early and actually paid $10 to get my eyebrows done (I usually do this myself, but when I neglect it for too long it is hard to shape them correctly, so it was worth it. Plus sometimes it’s nice to get a little self-confidence boost from looking your best). Picked up milk, yogurt, and noodles at the grocery store, where I resisted the spray-on olive oil because I know those cans are terrible for the environment. Luckily the dollar store next door had a spray bottle I’m going to try using instead, plus ear buds, two packs of pens, and a USB/phone charger cord (can’t beat this place for electronic accessories, and the quality is the same!).

On the earnings side, a raise became effective this July and will net about $148/month. Also completed a side job that should pay around $200 before tax- will have to wait to see the final amount when the check arrives, but it’s going to be thrown at debt.

The current high interest loan balance is $1156. I am sending in $130 left over from the June parking category and $55 from the July loan difference category, so it should go under the $1000 mark!

June deals

July 5th, 2017 at 11:46 pm

June is a great time to pick up used furniture during moveout if you live near a college or grad school- I got a few pieces I’ve been contemplating for a while this way, and kept the total under $50. I had actually already checked Ikea, but found a used version of higher quality that matches my existing furniture better for less than half the Ikea price!

Workwise and personally June was extremely busy, but the up side to that was I didn’t have time to spend much. Sent a $557 payment to the high interest loan. The total should be around $1200 after the payment clears.

In other good money news, a small raise should hit my paycheck in July and I’ll be able to update the budget. This should hopefully offset an insurance increase of $143/month. I also have a potential lead on a small side project, but won't be counting any chickens before they hatch.

Has anyone heard anything else about Ima Saver?