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September

September 23rd, 2009 at 02:44 pm

I mentioned earlier, that I was short a lot, in checking, for the month of September. Excess spending just kind of snowballed from my dad being in the hospital and everything, in the spring and summer.

I also said that I am making "pay myself first" a priority, and how it all seems to work out in the end. Not exactly worried about it!

Dh had a good sales run this month. However, a $50 items did not sell on ebay yesterday. He had a high minimum because it's the type of thing that can sell for too low, once in a while. I think he will easily sell it before the end of the month.

But assuming that doesn't sell, I currently face -$200 in the checking. Which is not bad. It was -$500.

Dh's family is big on cash anniversary gifts, so I won't be surprised if they give us $100.

The -$100, that will probably remain, will probably transferred from savings, as "emergency expenses."

Phew!

I will be so glad it wasn't the original -$500 or so I saw at the beginning of the month.

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Credit card bill for this month is rather benign. We are up to $1200, and I think all I have is $60 due for karate. That leaves about $250 for gas and groceries. We budget for about $1500 on the card, monthly. We pay EVERYTHING on the card.

We will take $500 out of savings for our beach vacation. I will probably transfer it over Monday, so that there is enough in checking for all the 9/30 payments (mortgage and health insurance). I'll probably be $100 short otherwise, as mentioned. Speeding up the transfer makes it easy. Actually, gives me another month to come up with $100. Now that I think about it, I may not need to transfer money from savings at all. Which is how it all snowballed in the first place).

I don't want to jinx it, but September has been rather low key. Phew! Even with our rather impromptu beach weekend, our expenses will probably be under $4k for the month.

I am not sure what October will bring. The rest of the fam is going to Florida (on MIL's dime). BUT I am sure there will be some expenses there. But, with them being gone, it will be pretty low spend here for a week. October can go either way. We already have halloween covered though, so that is good.

In November, we should probably get my car taken care of. It still has a potential $1k repair. November is just kind of slow at work and probably a good time to get it taken care of. I just needed some time after all the car repairs of August!

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I finally give up. One of the few things I spent any money on with my kids was their nursery. In the grand scheme of things it wasn't a lot, but I did spend in the realm of $200-$300 for the crib bedding and decor. I have been trying to sell it for a year at $40, $30, $20, $10. At $10-$30 I had PLENTY of interest, but just interest from a LOT of really flaky people.

So I give up. My posting expired, and to the donation pile it goes. Some charity comes by every other week or so, so I will set it out next time I get a pickup notice.

I guess not very many people want a sophisticated leopard print theme for their nursery. I LOVED it, and it was worth every penny. I had just hoped to get a little something for it. *sigh* Hardly spent so much on anything else *baby.* But most everything else was extremely re-saleable.

De-cluttering of the last year is complete! Yay!!!!! Now it is time to hit the closet, as I also mentioned. Time to go for another round! Hopefully I will have the motivation and energy while the family is gone. I am taking 2 days off work to enjoy the peace and quiet. Here's to being productive. (Fall gets me in the de-clutter mood, not sure what it is!) I assume true fall weather will arrive in October, and will help. Though even in this heat I have been eager to de-clutter.

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That's the long and the short of it. Boring can be good. Big Grin

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We treated out last night since BM lost his tooth. Main reason being we have been encouraging him to wiggle out his "stuck" baby tooth. We had been promising frozen yogurt since his new permanent tooth already came through - many weeks ago. Spent $30 on fast food and frozen yogurt. Was a nice treat!

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I got a cheap tickets promotional e-mail, and perused airfare prices. Nothing tempting, which is good. I perused Vegas and Denver airfares, etc. But I looked at Kaui airfare for next summer, and almost fell over. Looked at spring and fall too. I think if I ever see $500 tickets to Kuai again, I will bite. They don't even sell tickets for September 2010 yet, though. But I'd go in May if I saw a good price. Big Grin I can usually find cheaper tickets to Oahu. But I think Kaui adds a fair amount of cost. I barely saw anything under $800 per ticket. !! Though, yes, I saw $500 per person tickets, earlier in the year.

I will start keeping an eye on things and set up a price alert - maybe for May or September airfare. I didn't really want to decide anything until next summer. But it doesn't hurt to start pricing things. I think if I saw a good price I would nab it though. I got the Hawaii itch!

P.S. I found $500 RT tickets for May. But I will hold off. It was flying out of Oakland. Which works for me, to save $600!!! I think this is why we never spend much on airfare. We have 4 major airports at our disposal. Of the 4, one will usually have some pretty discounted airfare. You can never tell which one. Last time we went to HAwaii, starting in Sacramento was pretty cheap. As of today, that would be the most expensive starting point. Will see!

1 Responses to “September”

  1. Jerry Says:

    I don't like having to do that kind of juggling but it is necessary sometimes. We had $300 from our reserve credit transfer over to cover our mortgage and insurance. I hope this month leads to less expenses and less juggling.
    Jerry

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