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Alone again

September 20th, 2005 at 02:37 pm

I'm alone today as my dh has gone fishing with the neighbor boy. I don't really mind though as it is a pretty day and I'm enjoying puttering around the house. We went to our weekly senior breakfast at church this morning. It is a potluck and is usually a very nice spread. I took cornbread and drizzled some melted butter and honey on top. Afterwards we listened to the old hymns played on the piano with different tempos...kinda ragtime style.

Today I transferred some money back to checking from my dh's ING account. Remember that was one of the things that made us short this month..I accidentally set up 2 transfers for Sept! So now that is back plus a little more due to the bonus he earned for opening the account. That will help us to be able to pay a little extra toward our debt this month! I left $91 in ING for small unexpected expenses that might come up.

I've been playing around with my new budgeting software...I think it's kinda fun. I have been trying to divide up our bills between the 3rd and the 21st...odd dates but we don't get all 3 of my dh's checks until the 3rd so I want to wait until then to start paying bills. Most of our bills are due before the 21st however, or at least I want to have them on their way before then. I tried the 17th but most are due before even then. We have only a very few that are paid after the 15th. Many of them are auto paid and I have been just letting them come in whenever but now I am keeping track of the date and scheduling this in my budget plan. This plus our using cash for our daily expenses should help to prevent the overdrafts we've been getting. So for now I will leave most of the money in checking to pay almost all the bills and then just pay the few that remain out of my check on the 23rd. We will take some cash on the 1st and the 15th and on the 3rd and 23rd I will transfer some into savings.

At this point everything looks good for the rest of this month and for October. I'm excited about getting starting on my new system and keep going over it to make sure I know what I am going to do. :-) It is quite a bit different than what I was doing. I am sure there will be things come up that I don't expect but I think I have most things accounted for and that once I get the hang of it, it will be a much easier system. Today one of those unexpected things came up...I got a notice from our CU that the custodial fee is due on my IRA Term Share. So now I have put that into the budget so I'll be prepared for it next year. It's only $9 so not a big deal but I want to be sure I have everything covered and know what and when things are going to come up.

I hope to have some extra money at the end of this month to put toward our debt, AND be able to do it without worry of an overdraft!

We spent $19.28 for gasoline today, but that's the only money going out today.

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