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Seeking some clarity.

August 9th, 2007 at 03:18 pm

In an effort to find out WHERE THE HELL IT IS ALL GOING (money, that is) I pulled up our bank account online, had it show all purchases only for the past sixty days, and then printed it out.

Normally, we're not rich or anything, but we can pay our bills with no problems, put a little away in savings, and go out to eat or shop once in a while. That has not been the case this summer.

We started off nearly cleaning out our savings with a $2500 city property tax bill. That might have been part of the problem - no savings to dip into for unexpected bills.

I suspected that a lot of our money was going to summer-related expenses, what with summer camp (though several of those were paid for in the spring) and other recreation. I'm not necessarily regretting any of it, but it does make me feel better to know that it's not going to be situation every month.

Anyway, looking just at where we used the ATM card, not cash or credit card (though ATM would be what we used the most), we have spent $885.48 since June 11 on the following:

- Movies (6 times, all matinees) $19.75 each trip, except for one where all four of us went, for about $27
- Lunches out with the kids (Moe's, Chick-Fil-A, Coldstone Creamery)
- Other kid activities/recreation (Bounce 'n' Bob's, Sun Valley Beach waterpark, a trip to the Lego Store, a weekend camping trip to a state park in Alabama)
- Two trips to the used book store for used DVD movies (about $25 a pop)
- Only a little bit of shopping (once to an antique store, to Old Navy, and to DSW Shoe Warehouse, totalling about $100 altogether; once to REI for something Michael needed for camp)
- Two trips to the liquor store (about $28 each time)
- DH spent $209.60 at various local pubs either with the boys or with "the guys"
- $279.20 spent at either of the local Ace Hardware stores or at Lowe's; most of what I spent at Lowe's was on paint/paint supplies for the kitchen & living room; I know I bought a bunch of plants in June, too.
- $193.92 spent at Target (though I frequently get $20 cash back, so that's not entirely accurate).

This helps explain why we are in the predicament we're in.

It's not like I can eliminate all these expenses and voila! We're flush. However, we won't be going to the movies six times in the next three months, or eating out lunch, or going to Sun Valley Beach. I am also going to mention to DH about what he's spent; he takes the boys to the neighborhood watering hole to let them play pinball, and three beers later, he's spent $25 just like *that*.

I hope I am not just kidding myself thinking that we'll be in better shape once the summer is over (three days!!!). I hope I don't just replace all those summertime expenses with other "stuff".

In other bill news, I was looking at our cell phone bill and saw that when DH was out of town right before the 4th of July with the boys, he called home four times for a grand total of $42 for non-network roaming calls. Part of the time he was camping and part of the time he was calling from a hotel where he said the house phone cost a fortune. Jeez louise! I about crapped a brick when I saw the bill. This is the first bill we've gotten since we switched to a family plan with my provider and got DH a phone, so I was going to be seriously depressed if that was what I was facing every month...however, it's going to be closer to $80. There sure are a lot of damn taxes tacked onto the bill.

In some GOOD bills news for a change, I looked at my BP bill on line and saw it has a zero balance. No one's used the card since I paid the bill last. Huzzah!

School starts on Monday and we have a whopping $64 to last until Wednesday. However, I have food for lunchboxes (we went to Trader Joe's today), the boys are set for clothes, I have half a tank of gas and food for dinner until then. I have to pick up two or three things at Kroger on Monday, but that's it. Fingers crossed there's no crises in the making.

5 Responses to “Seeking some clarity.”

  1. Joan.of.the.Arch Says:

    Does the advice to "pay yourself first" apply here? Put away some money for savings before it goes into the entertainment kitty?

  2. Amber Says:

    How much was spent on dining out? I spend way too much in that catagory. Haning out with the guys can be expensive, I use to do this with the girls and easily spent $50+

  3. mamayogini Says:

    I DEFINITELY need to pay myself first, though when I total up my bills and see that I barely have enough to pay them all, it doesn't happen. I am very hopeful that will change this month!

    And as for eating out, we don't do it very often as a family because of the expense, but DH's $25 here, $20 there, $30 here definitely add up. Plus, he buys lunch two or three times a week at least. In the two months detailed above, we ate out as a family one time, at a Mexican restaurant, for $42. And a few times I took the boys for lunch at Moe's, Chick-Fil-A, or for ice cream.

  4. Ima saver Says:

    YOu definately need to pay yourself first!

  5. Amber Says:

    I agree with Ima,even if it is $5 a paycheck

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