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Friday Finances: February 2015, Week 3

February 20, 2015 by Lulu in budget with 0 Comments


Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this.

I will now post SOME of my actual expenses and leave the rest to your imagination. All income and expenses are recorded in Mint and any amounts are rolled over into the next month.

This week my expenses were:

$23..43 for food….which was mostly fruits and vegetables. I have already run out of almost everything that I bought and I am dangerously close to the monthly food budget. I can always borrow money from another budget like the car budget, which I am well below…but I am trying not to do that.


I Am Making Money Off My Friends

February 16, 2015 by Lulu in Credit Cards, Make money online with 4 Comments
I Am Making Money Off My Friends

I am making money off my friends and they don’t seem to have a problem with it. I have two friends who are in my degree program and should know a lot more about the best ways to manage their money. They are actually a couple that live together but they both admit they have problems with sticking to a budget.

In order to prevent too much spending they both employ tactics such as not having Amazon accounts. They both feel that if they have accounts they will not be able to resist the urge to order things constantly.

I actually have the female of the pair using Swagbucks to earn cash on the side. She is aware of the extra points that can accumulate from using Swagbucks to go through Amazon for shopping but still chooses not to use it. The male of the pair is just not interested in using a cash earning site because he feels he will get unnecessary items.

img from lifehacker.com

img from lifehacker.com

Still Waiting On Some Income Tax Documents

February 2, 2015 by Lulu in Finances with 0 Comments
Still Waiting On Some Income Tax Documents

I am still waiting on some income tax documents so I can finally cross filing taxes off my list. I have most of the documents that I need but there are still a few that are dragging along. I really want to have everything in so I can just fill out the forms and hit file.

I know the majority of people that I deal with on a daily basis actually dread doing their taxes. It is not because they are very complex or even because these people will have to pay. People just seem to be afraid of the word taxes like they fear the word budget.

I actually enjoy doing my taxes whether I get a refund or have to pay because I am just nerdy that way. I like seeing the bars in the online program advance as I fill things out. Good financial planning should mean that you get a very tiny refund or even have to pay a small amount!!! If you are getting a large refund it generally means that you have given the government use of your money for no reason.

In fact the only time you should get a big refund is if you have some of those really crazy credits coming in. If you have a big refund of your income tax because you were having too much withheld then that is just poor planning.

If you are not able to trust yourself to save then you need to have the savings automatically deducted and placed in an account that you do not have a debit card for. That way your money earns interest, instead of you letting Uncle Sam hold on to it for a whole year.

Until then I am still waiting on some income tax documents.

Friday Finances: January 2015 Week 5

January 30, 2015 by Lulu in budget, Finances with 2 Comments

Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this.

I will now post SOME of my actual expenses and leave the rest to your imagination. All income and expenses are recorded in Mint and any amounts are rolled over into the next month.

This week my expenses were:

The phone bill…or at least my portion of it. I am back on track with the phone bill after missing one month’s payment. I paid double last month because I forgot to pay the previous month. I am on a shared plan and the person I share with did not mind paying my part because it is so small.

$28.68 on food for the week, including bread, milk, and eggs.

We get paid next week so that will be great because I need the new month to roll over so I can get some more items.

Friday Finances: January 2015 Week 4

January 23, 2015 by Lulu in budget with 0 Comments

Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this.

I will now post SOME of my actual expenses and leave the rest to your imagination. All income and expenses are recorded in Mint and any amounts are rolled over into the next month.

This week my expenses were:

$10 for a car wash. I know this sounds expensive, especially since I usually spend $4 to get the car clean. I have not washed the car in over a month and the area I live in is VERY dusty. My poor car looked horrible. I also paid extra to get the full undercarriage wash so I could get rid of the salt from the winter weather we have been having.

I also spent $7.40 on having lunch with a student that I mentor. We only meet twice a month so that is a good thing and I won’t have to spend so much on eating out.

I am proud to say that other than the lunch with my student I have not bought any other fast food and I have made a greater effort to bring more lunches from home.

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