Expenses:
Investments - 75.00
Food - 106.00
Dining Out- 166.00
Housing - 124.00 (part of this is material for upholstery)
Transportation - 17.00
Entertainment - 20.00
Clothing - 60.00
Medical/Dental - 15.00
Misc - 18.00
I definitely spent alot in the last week. I am going to try to keep the next week down. I am over for Dining out and Food. I also have the 250 from Moving that I didn't plan on. I know that those are the two hardest categories that I have. I think that I am going to increase my Dining Out budget up to 200 and Food up to 300.
I decided to place 1000 in a Calvert Mutual Fund and funded that this week.
I am going out for drinks tonight and am having a birthday party on Monday.
Sunday I will be picking peaches with Bev. I need to find out if CM is up for making the Peach Wit beer. That will affect how many peaches I go for. 20 or 40 lbs.
Need to ask J if Oathead has a jin pole so I can drop the rig.
I tried to cancel the EX's gym membership but he has to go in and do that himself. I called him and asked that he do it.
Tuesday, August 12, 2008
Wednesday, August 6, 2008
August Budget - Week One
So moving as so not what I was playing for the first week of August and with that the expenses of buying new pots, a small one burner stove, and a cooler. I am still going to try and make the budget work. I will just be cutting back on the extras that I have budgeted in.
Here are the real numbers:
Moving - 244.99
Food - 175.60 (some of that might be buying things for setting up new kitchen)
Dining Out - 13.00
Storage - 83.00
Housing - 230 (Owner of the wood boat I am staying on is coving the moorage this month since I am doing so much work on it)
Misc - 60
Med/Dental (also known as the Gym) - 65
So far I am doing ok. Having the second moorage covered definitely has helped with all of the expenses of moving off of the EXs boat. Right now I am going to be close to going over for the month in food. But I think I can still pull it off...if I do go over it should be by a small amount.
I believe that I will be doing well on the other catagories - except debt. I ended up needing to use my credit cards last month since my debit was stolen by my cab driver. I also bought a number of things that I didn't need. Nothing like therapy by shopping to blow a budget. Hopefully with the EX gone I will not be feeling that need any time soon.
NOTE: Make sure you cancel the EXs gym membership - am not paying for that any more.
Here are the real numbers:
Moving - 244.99
Food - 175.60 (some of that might be buying things for setting up new kitchen)
Dining Out - 13.00
Storage - 83.00
Housing - 230 (Owner of the wood boat I am staying on is coving the moorage this month since I am doing so much work on it)
Misc - 60
Med/Dental (also known as the Gym) - 65
So far I am doing ok. Having the second moorage covered definitely has helped with all of the expenses of moving off of the EXs boat. Right now I am going to be close to going over for the month in food. But I think I can still pull it off...if I do go over it should be by a small amount.
I believe that I will be doing well on the other catagories - except debt. I ended up needing to use my credit cards last month since my debit was stolen by my cab driver. I also bought a number of things that I didn't need. Nothing like therapy by shopping to blow a budget. Hopefully with the EX gone I will not be feeling that need any time soon.
NOTE: Make sure you cancel the EXs gym membership - am not paying for that any more.
Budget
My monthly budget (Fingers Crossed)
Housing (moorage on now two boat - hopefully this will be for just a short time) - 480
Storage Unit - 83
Food - 225
Dining Out (this includes drinks) - 80
Debt - 80
Entertainment - 65
Clothing - 80
Savings - 100
Med/Dental - 80
Investments - 150
misc. - 90
This budget should allow from me to save 960 into the cruising kitty. The other 100 in savings will be split into an Emergency Fund and a Travel fund. The investments will be what I use for my Sharebuilder account. This month I will be very careful about documenting what money is spent on.
Housing (moorage on now two boat - hopefully this will be for just a short time) - 480
Storage Unit - 83
Food - 225
Dining Out (this includes drinks) - 80
Debt - 80
Entertainment - 65
Clothing - 80
Savings - 100
Med/Dental - 80
Investments - 150
misc. - 90
This budget should allow from me to save 960 into the cruising kitty. The other 100 in savings will be split into an Emergency Fund and a Travel fund. The investments will be what I use for my Sharebuilder account. This month I will be very careful about documenting what money is spent on.
Friday, June 6, 2008
May Final Results
Grrr!
That is the best way to describe my progress this month. The Checking account went down to 1,800. So much for progress. I did invest 300 into my Sharebuilder Account. I also sold a few shares and turned a small profit. That money was also immediately reinvested. My Prosper and Lending Club accounts are going well. But I just spent way to much money. I still have my plane ticket to buy for PH-Mac. So this money other than the plane ticket and groceries I will NOT be spending any money.
I know where all of the money went but damn it is hard to see the end result.
That is the best way to describe my progress this month. The Checking account went down to 1,800. So much for progress. I did invest 300 into my Sharebuilder Account. I also sold a few shares and turned a small profit. That money was also immediately reinvested. My Prosper and Lending Club accounts are going well. But I just spent way to much money. I still have my plane ticket to buy for PH-Mac. So this money other than the plane ticket and groceries I will NOT be spending any money.
I know where all of the money went but damn it is hard to see the end result.
Wednesday, April 30, 2008
April Goals - Update
Save 1000 - Didn't make it. Saved 500. Plus 550 into Prosper and Lending Club. 500 invested at Sharebuilder. So I don't feel bad that I didn't make the full amount into the Straight Savings Category.
Decided against getting a dry suit. I will just use C's foulies since his are heavier than mine and have a hood etc.
Personal Chef - I did one dinner. They are interested in having me come back so that will continue. Have another person also interested. Will see how that shakes out.
$50 - dining out. Ok that was not a realistic goal for me. I did however cut back on eating out.
Goals for May:
$1000 into Savings. I will really try to make it this time. I am investing 300 but then most of my income should be good for savings.
$250 for Groceries. I purchased a CSA share through one of the farmers at the market. $300 for $400 of credit. 25% return is great as far as I am concerned. I really should find out what other markets they go to since this month I am racing almost every weekend. I think the 250 for groceries is very reasonable.
Get the Rig down on my boat by the end of the month. This shouldn't be to hard. I am hoping that C and I can take it down before he leaves for swiftsure. One evening should do it. After that is done I will be able to start on pulling the decks. I have to figure out where I can store the mast. Definitely not at the Marina. With the way things disappear it would be gone in a week. Maybe I can store it at Kat's place. Will have to email her.
Make appointment at Bastyr for couples counseling.
Decided against getting a dry suit. I will just use C's foulies since his are heavier than mine and have a hood etc.
Personal Chef - I did one dinner. They are interested in having me come back so that will continue. Have another person also interested. Will see how that shakes out.
$50 - dining out. Ok that was not a realistic goal for me. I did however cut back on eating out.
Goals for May:
$1000 into Savings. I will really try to make it this time. I am investing 300 but then most of my income should be good for savings.
$250 for Groceries. I purchased a CSA share through one of the farmers at the market. $300 for $400 of credit. 25% return is great as far as I am concerned. I really should find out what other markets they go to since this month I am racing almost every weekend. I think the 250 for groceries is very reasonable.
Get the Rig down on my boat by the end of the month. This shouldn't be to hard. I am hoping that C and I can take it down before he leaves for swiftsure. One evening should do it. After that is done I will be able to start on pulling the decks. I have to figure out where I can store the mast. Definitely not at the Marina. With the way things disappear it would be gone in a week. Maybe I can store it at Kat's place. Will have to email her.
Make appointment at Bastyr for couples counseling.
Wednesday, March 12, 2008
Searching for Cheap Plane Tickets
So in the interest of keeping my costs down for my trip to Michigan. I have been hunting the different websites. The best price that I have found so far is 164 RT (on Airfare Watchdog) , the only problem was that you had to travel by June 10th. So this will not work for me. I am going to hold out hope. If I can find a ticket for under 200 I will have an extra 100 to sock away. Here's to hoping that Detroit gets/stays cheap to fly to.
Monday, March 3, 2008
Upcoming Expenses
I have a couple of larger expenses coming up.
The largest being the re-decking and finishing of my boat. I am hoping to do this for around $1000-$2000. While I am mainly doing this project to learn how; I should be able to recover most of the cost. I should be able to sell the boat for between $8,000-$10,000. This will help put me over my goal of $24,000 in savings.
The other expenses are related to racing. I have two races coming up that are not local and that I will need to outlay some money for. The first one is Oregon Offshore. This is a race from Astoria to Victoria, BC. I am going to purchase a good pair of sea boots for this race. Part of that will be paid for with the gift certificate that I got for my birthday. The boots will be reusable so I pretty happy with this. However, I have decided that I will need (want) a dry suit for this race. I found a place here in Seattle that rents them by the week. I definitely want to check them out (this is the route that I will most likely go). I really don’t have a need for one and the storage alone makes me much less inclined. For the other race I am going to have to cover $300 for charter plus a plane ticket. So I am figuring on a $1000 for both races. I know that this is a lot of cash to pay out, but these are races that I have wanted to do and they are a onetime expense.
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