Budget & Finance

How We Spent It 6-30-2016

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The fabled and much-awaited fifth check of the month has arrived.

It makes for a boring read but trust me the feeling of relief and the relaxation in the muscles of my shoulders and neck are very exciting for me.

Incoming

  • Workers’ Comp: $721.30

Outgoing

  • Living Expenses: $370 (Gas, Groceries, Spending)
  • Buffer Refill: $100
  • Rent Savings Refill: $251.30

Last week I blew through a lot of money. I bought hiking boots for two girls (for sleep away camp) and they were on clearance for $25/ea. They are Merrill so hopefully both pairs can be kept and reused when Little Sister grows into them. They seem very well constructed. We also spent $50 at Meijer getting odds and ends they would both need for camp. So…I spent twice as much as I needed to right now in order to not have to go shopping at all (or so it seems right now) at the end of next month when both older girls go to sleep away camp for the week.

Mr. Brickie wanted to go to Shoreline Brewery while we were shopping for kid shoes and that ended up being $90. I kind of died inside a little because we didn’t expect it to be that pricey when we went in. Lesson learned.

Last but not least last Monday we paid $90 for the two younger girls to attend another two week swimming class while the oldest is at camp. Today was the last day of this two week session and I feel a sense of relief whenever I see them in the water. They used to be petrified of the water and wouldn’t go near it but now they stay safe and close to the edge but have a level of confidence that makes me so happy.

I’m sure there were many other things because I spent a lot, but I’m going in to this new week feeling refreshed and feeling NO need to spend money outside of next Tuesday being the last two week swimming lesson session and all three girls are signed up for it. That will be $135 ($45/kid/session) and should really mark the last of the summer spending.

The sense of knowing what was going on financially this morning is probably the best thing I could ask for on a birthday. Since my oldest is away at camp until tomorrow afternoon, I won’t celebrate with a cake until Saturday so she can join in on the fun and not feel left out.

While I wish very much Mr. Brickie was back at work already he has been able to have some great experiences with the kids this summer that we will both cherish the rest of our lives. Watching our 6-year-old jump off a diving board was some majestic unicorn-level stuff since she’s always been SO SCARED OF THE WATER OH NO SOMETHING IS GOING TO KILL ME WHAT DO YOU MEAN THAT DOESN’T HAPPEN IN THE SHOWER HERE IT COMES I’M GOING TO BE KILLED BY THE GENTLE SPRAY. Now she’s a rock star. I’m really thrilled she’s come so far because I love the water and last year watching her take two hours to get into the two foot deep kiddie pool at the public pool was painful. This year she’s going at the water like a little duck.

I managed to get all my bills separated into the four weeks of paychecks, in order to even things out and have more of a flow during the month. I do wish there was a program where you could put in all your bills and then how much you make a week (approx.) and the program would separate your bills for you in the most even way possible. I love to use technology as a way to double-check my work.

I’m trying to increase Mr. Brickie’s credit score to help us qualify for a mortgage once we’ve saved 20% down (which could be forever, and we may change our minds and continue to rent, who knows…it’s early days) but no matter what good credit scores won’t hurt us, you know?

Thanks to the budget program I know what’s owed on each card and that the money is there to pay it since we don’t spend if it’s not in our budget. If I go over budget I take it from a savings category because NO NEW DEBT is where we are at right now.  I’d rather be at PAY DOWN DEBT but being able to accrue no new debt is pretty much unicorn status considering he’s injured and out of work so you won’t hear a peep from me about what I’d rather be doing if he were working because he’s not and I live in reality. Most of the time.

Also, Sam’s Club is having this thing right now where Costco members can use their cards to shop at Sam’s. We checked it out but the only thing they don’t have that I thought was kind of cool was 50 packs of Cheetos because who doesn’t love Cheetos? Mr. Brickie reminded me that we don’t send chips as snacks with the kids to school so there was really no reason to have that many bags of mini Cheetos in the house. He also said the mini bags of Frito’s could not come home even if I swore to make walking tacos once a week until they were. He said something about getting everyone sick once a week and blah blah that’s not how you show love to your family yadda yadda.

So we left with nothing but might be going back for this set of six stoneware bowls because we are desperate for bowls and Goodwill has not been terribly helpful. It was $12 for six HEAVY stoneware bowls with a nice pattern. Regular kitchen bowls, not mixing bowls. So yeah that’s probably going to happen. I like splashes of color in my kitchen and would like to have bowls that are sturdy.

I’ll be back with you sooner than next week, I have a list of topics unrelated to specific budget numbers that I’m going to work on writing in between how we spent it entries. There’s so much happening but most of it is better suited to a parenting blog or a wifing blog. I try to work it in a little so you know what’s happening but I like to keep my eyes on the financial prize.

The only part of this post that bothers me is the paragraph in the beginning about spending no money and then the later paragraph written after we went out for a few hours talking about just one bowl set. That’s how it starts. Slipping down the SPEND ALL THE MONEY rabbit hole. I have to find a way to determine what’s a want and what’s a need and if something is a need is it okay to get ….but in an objective way.

There are so many things swirling in my head right now it’s difficult to keep any one train of thought pinned down enough to progress. The issue with my dental work and messed up bite, should we buy or rent, blah blah blah it’s all too much. I want to enjoy my kids and their activities and get through having Mr. Brickie home for a few more weeks and please can someone get him back to work? I need to get my mind right and that’s going to require more of a break than the couple hours here and there I get while he’s at the park or at an activity.

I appreciate him, don’t think I don’t….I just want him back to work. Let me miss him….just a little bit.