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Where the money is going

April 26th, 2013 at 07:49 pm

Today is payday! Woo hoo! This is where my money is going this week. (Writing it out...keeping myself accountable)

Starting Balance: $584.24

Gas - $50.00
Groceries - $80.00
Household - $50.00 (Holding account for utilities/bills)
Dining out - $20.00
Cash - $20.00 (Hoping it helps me not spend by having cash TO spend)
Cleaning Supplies - $10.00 (Jar Money)
Pet - $10.00 (Jar Money)
Household Supplies - $20.00 (Jar Money)
Holding for next week - $160.00
Savings? - $30.00
Other - $10.00 (Misc jar money/ clothing/ gifts)
Savings for Step-Daughter Graduation - $30.00
Loan - $40.00
Sister Bday - $20.00
HSBC CC#2 - $25.00
_______________________________

Ending Balance: $9.24
Actually, I will have an ATM fee for the cash...so it will actually be $7.74

I did send the $15.00 extra dollars to the CC#3. And I have to pay the $25.00 to CC#2 because the minimum is due.

I also have $3.00 left from my cash from last week. The numbers aren't super high or wonderful, but at least I have a plan?

Posted in Budgeting, Debt, Personal Finance | 7 Comments »

7 Responses to “Where the money is going”

  1. baselle Says:
    April 26th, 2013 at 11:38 pm 1367019521
    1367019521

    You have a plan! Time to feel the frugal burn, if you can. You have $3 left (actually $20 + $3) - how long can you hold until payday/dip into the jar money? Make it a game.

  2. creditcardfree Says:
    April 27th, 2013 at 12:42 am 1367023356
    1367023356

    Do you have a way to avoid the ATM fee? Those small fees add up.

    Good plan. It will be interesting to see how it works for you.

  3. rob62521 Says:
    April 27th, 2013 at 02:06 am 1367028396
    1367028396

    Good plan! Any way of avoiding the ATM fee?

  4. baselle Says:
    April 29th, 2013 at 12:08 am 1367194125
    1367194125

    Good point about the ATM fee. Most grocery stores in the US will give you money over your purchase w/o an ATM fee. Not sure where you live; any chance that you can use that trick?

  5. rachel021406 Says:
    April 29th, 2013 at 08:01 pm 1367265671
    1367265671

    I like to try to get cash back at the store, but I needed $170 and it was over the limit. I go to Racetrac (gas station) because their ATM is only $1.50 compared to $3.00 and $4.00 to the banks around us. I would go to our bank but it is about 10-15 miles further away, so I am sure it would cost me at least $1.50 to drive there. But at least our bank doesn't charge us an ATM fee...just the fee of the ATM.

  6. scottish girl Says:
    May 8th, 2013 at 08:52 pm 1368046326
    1368046326

    So how do ATM fees work in US? Do you get charged by your bank for using the ATM and the ATM too? The majority of ATMs here don't charge for withdrawals.

  7. creditcardfree Says:
    May 8th, 2013 at 10:04 pm 1368050661
    1368050661

    @scottish girl: It varies, it can be the ATM if you aren't a bank member, or it can be by your bank for using a 'foreign' ATM. And sometimes, it both. It really varies by bank and ATM machine. I have several in my area that I can use and not get charged a fee on either side, but if I have too many in a month (over 10), our bank charges us.

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