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Archive for October, 2010

I might join a gym.

October 6th, 2010 at 08:32 pm

I can workout at work, they have free weights, a 4 piece multi-something, two treadmills and two of those what are they called where you are running or jogging but the peddles slide so you have no knee impact. Yes it is very small.

Well the College just opened a pool which is the feature I want, and there is a rumor out that alumni can get FREE membership. The current students are free, it is a for sure thing, need to get clarification on the alumni part.

The college wellness center has a few workout pieces and they partner with another center in town so if I have a membership with one I can use the other free. Well the college has childrens under 12 years old memberships for $15 per month and the other place has daycare during the week for 4 hours for $10 per month. So if I swam at the college then worked out at the other place It would only cost $25 per month.

I am wondering if I might just get the swimming membership and then if I want to workout then I could either workout while my child is at the after school program OR I could bring him to my work and have him hang out in my office....There is no one under the age of 16 allowed in the workout room at work. The only problem is my son gets into things when I leave him in my office...he gets snoopy.

The other positive is now that there is another pool in town the other place went down in price, (I still think the $51 per month plus $50 application fee plus $17 a month for a daycare or $17.50 for 10 hours of daycare is expensive).

I wish my medical insurance gave discounts like others but whatever.

I have my fingers crossed, If I can get a free membership for me I will be spending the $15 to get a membership for my son starting November 1st since swim leasons would start on the 5th. We missed the start of the current session.

Are you Average? I am not!

October 5th, 2010 at 01:14 pm

I was listening to the John Tesh Radio Show on the way to work. He said the Average person spends $9,000 a year on their car not including their car loan payment. The topic went on to talk about ways to reduce that including car pooling and taking public transportation.

I spend about $2,175 per year

Insurance 112-124 per 6 months = 250 year
Gas 75-80 per month rounded to 100 = 1200 per year
Car Tabs 65 = 65
Oil change 40 x 3times per year = 120
Wiper Blades 40 = 40
Repairs/maintenance 500 = 500

I put 500 in for repairs/maintenance because it seems like every 2 years I have a repair. This year it was new tires and everything flushed because my car hit 120K miles. That cost $830 with Oil change factored in. Two years ago I needed body work after I had a small fender bender which left me needing $1,200 in work. So every two years or so I need 1000 with or work which averages to $500. I do not have to replace my wiper blades EVERY year but it seems like it and with the High Volume of Snow we get here, I tend to buy and put on top of the line wipers.

I live in a area that I am lucky enough that I do not pay toils, I do not pay for parking, I have gotten 2 speeding tickets in my life (knock on wood) the first one was $25, the second was $40. I am trying to think of other car expenses which might drive up the cost of car usage for others but so far none apply to my situation.

So I am $6,825 below average.
Then to top it off I bet I am below average in the fact that I drive a car without a loan.

Spending Money.

October 4th, 2010 at 04:03 pm

Well this weekend went QUICK! Yep Capital letters. My son woke up this morning went to get a drink of water and offered to turn off my bedroom light on his way back to his bed. I was just laying in my bed having a hard time getting out of it. So I said thanks sweety but I need to get up and get ready for work and to pack your lunch for school.

His Answer "BUT IT IS SUNDAY!!!!" Yeah poor boy is not the only one who thought the weekend went by too fast.

Saturday I went to Wal-Mart to buy a birthday present for a party my son was attending, when we got there the greeter was handing out coupons for an additional 50% off all clearance items priced $50 or less. I was able to purchase 3 pairs of jeans for my son at $5 each, a t-shirt for $2.50, and swim trunks with a swim shirt for $1.25. I bought flip flops AKA shower shoes for $.25 and a set of organizers for $2. I also bought some grocerys and of course the birthday presents.

I bought the jeans for next fall. I want to stock up on clothes for my son. That way if my son stays with my cousin or my ex while I am out of country then the clothes are there and less for them to deal with/buy. I do not want my cousin to have to purchase stuff, and I do not want to hear my ex complain about having to buy stuff either so I made a list and between now and leaving I want to complete the list (hopefully as cheaply as possible). I have big plans for Black Friday.

After the party I went to Kmart and purchased a picture frame and camera batteries. I need non-rechargable batteries because I put fully charged rechargables into the camera and it is not enough juice...I guess I have recharged the batteries a few too many times for use in the camera. I want two frames but they only had one so I will need to go back. I wanted frames for the two photos I got mailed to me of my mother. One is a copy of her high school graduation picture and one is of her 1st communion.

Sunday I finished pricing the clutter I had around the house and boxed it up for next summers rummage sale. I have more clutter to gather up and price but for now I am slowly making progress. Yeah me!

It is pay day!!!! Well Actually Yesterday was!

October 1st, 2010 at 01:57 pm

I get paid on the 15th and the end of the month. I usually just say the 1st and the 15th since the 15th and the End of the Month sounds goofy.

Well Today I am going to be figuring out how much money I need on hand in the checkbook and then put the remainder into (#4 pay CC bill) of get done prior to 1 Sept 2011 goals.

I realized I am going to be doing this in #4, #3, #2, #1 then #5 order and am wondering if I should reorder them. See when I made the list I was not taking interest rates into account. The problem with #4 is that it is going to get larger as I start to purchase stuff for my work assignment, but I still want it paid off so that I do not have to deal with it.

This paycheck I pay my afterschool daycare, Gas & Electric, Mortgage, and put $100 into savings for future car replacement repair. I have $423 left in checking once those are all deducted so I will apply $324 to my credit card and have $100 in checking for bills that have to be paid by check.

My new CC bill after making the payment above
the new balance is $1656.57 with a interest rate of 8.9%; my statement balance is paid in full. I will need to pay off this amount and any new charges made before the 9th on or before the 1st of November. I save $100 each month for car repair and replacement and since a little over $830 of that is from the car service work If I cant pay the balance in full prior to 1 Novemeber I will take as much as I can out of the car repair account. Right now I do not have $830 in the car repair account though.

Oops, I just realized that I applied $423 to my cc so I will actually only have about $16 in my checking once the Gas & Electric bill is pulled. Well good news is I work best under pressure and now I will be motivated to find some extra money. Guess I will be getting around to listing the furnature I have to sell this weekend. I will also make sure to call this guy who buys cell phones about getting the extra cell phones I have sold, since every bit helps.